vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is my second complaint to CFPB for the same issue. 
I have a PNC Rewards card. For all of the many years I have had this card, I have been unable to redeem my rewards through their website. I have called each month, for over three years and get caught up in a 1/2 hour phone tree before I get someone who manually  redeems my rewards. I complain to them on the phone and to their supervisors and I have been assured that they are working on fixing the website. 
It was never fixed and to date, it is still not working. 
I filed a complaint to this organization a few months back and PNC did promise to look into it. I also received a personal letter from XXXX XXXX, Executive Client Relations, AVP who said I can call her anytime Monday through Friday XXXX to have her help me if the problem persists. 
I tried again on XXXX/2017 to redeem my rewards via their website, and the problem is exactly the same. Same error message. No changes. 
So I called XXXX XXXX. She did not return my call. The problem is not resolved. 
Please make them fix this simple website problem. It is not brain surgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: KY

Complaint narrative:
I had a loan with this company in XXXX of XXXX ( Loan # XXXX XXXX. I paid it off, in full, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they continued to take an additional payment out of my account. I immediately contacted them and requested a refund. I was told it would arrive within 10 business days. That did not occur. I then contacted them  starting XXXX/XXXX/XXXX to again request my refund. I have called every day since then and have been given the run-around. They have acknowledged, multiple times, that I 'm entitled to the refund. I 'm told different dates to expect the refund, always pushed back further each time I call. I 'm consistently told it is being handled by the resolution department, and they claim they have no way to contact that department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
Since XXXX I have been behind on my mortgage payments due to a reduction in pay with my current employer. I attempted to modify my loan earlier this year, but Fay Servicing denied me a modification and suggested that I proceed with a short sale. I hired a Realtor in XX/XX/XXXX as well as a short sale negotiator and that same day I received an offer on my property and began to work the short sale process. Throughout the process Fay Servicing was very uncooperative and consistently misplaced paperwork that my realtor and negotiator had to continue to submit. In late XXXX I received a letter that Fay intended to foreclose on my property. They never issued a denial of the short sale and they stopped taking calls or responding to repeated attempts by my realtor and short sale negotiator to obtain more information for me. On XX/XX/XXXX the locks were changed on my property while I was out of my home. I was never served with any eviction notice and I still have belongings in the property. On XX/XX/XXXX my realtor received a call from a man by the name of XXXX XXXX, who stated he was the REO manager who had changed the locks and that Fay servicing had never notified him that anyone was still living at the property. He was willing to make arrangements for me to get back inside the home to retrieve my belongings, but I still was never properly evicted and I feel that this is a violation of housing laws on the part of Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Community Health Investment Company, LLC.
State: IN

Complaint narrative:
WE ARE BOTH XXXX AND WANT TO SUE THEM FOR VIOLATING SEVERAL CONSUMER PROTECTION LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Credits post before Debits always. PNC Bank makes my deposits available the next day. PNC charges fees when my balance is not overdrawn or Uncollected. Also PNC has a system of paying the highest check so more items are returned and generate more fee income for the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In XXXX of 2017, I noticed a collection on my credit reports from XXXX XXXX XXXX that was incorrect. After disputing the information with the collection agency, the agency agreed to remove the negative trade line from my credit report. In XXXX, XXXX and XXXX  sent me documentation showing that they removed the account from my credit report while Equifax continues to show the negative item. I 've sent them documentation that I 've received from the CFPB as well as the collection agency showing that they have agreed to remove the account, but Equifax continues to report the negative information. I 've contacted the collection agency and they have advised me that they have sent the information to remove the account on multiple occasions due to Equifax saying they have n't received a request to remove it. I 've spoken with Equifax multiple times to resolve this issue, but they keep advising that the debt is valid when I as well as the collection agency has submitted the documentation showing the account was to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXXXXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On the day of XX/XX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XX/XX/XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XX/XX/XXXX my employer came up to me and asked if I re cashed a check from XX/XX/XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XX/XX/XXXX was re cashed on XX/XX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is bank of America. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a bank of America manager to let them know that the check that was cashed on XX/XX/XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to bank of America ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. Bank of America did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My home is located in South Florida in a county that was affected by Hurricane Irma. I was offered forbearance option from my Mortgage Servicing  company SPECIALIZED LOAN SERVICING for 60 days after which I was offered to apply for loan modification. I did but SLS was losing half of my documents every time I sent them, because of that the process was delayed on their end. During this time I was in constant communication with them and they told me multiple times that they will not report late payments as long as we are in the process of a loan modification. 
Unfortunately this morning ( XXXX/XXXX/XXXX ) they did report the late payments. 

I am in the middle of applying for a mortgage and my credit score went down by XXXX points. At this point, I can not close my loan anymore. 

I tried talking to them multiple times, unfortunately, they do not know anything and can not do anything for me. 

Please help me as this issue is v ery time sensitive. 
Their address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted an online dispute with equifax on XXXX/XXXX/XXXX for erroneous information on my credit report. The confirmation # is XXXX. It was says the completion date is XXXX and the results are N/A, but it also says the items are currently under investigation. You should receive the results of our investigation soon. I contacted them and was told that the investigation has not been completed and the results will be available soon. It has been past the 30 days and it says completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I sent a letter to National Credit Systems requesting they provide me with the methods they used to validate the {$1800.00} debt they are reporting on my credit file with all 3 credit reporting agencies. They in turn sent me a copy of my original signed lease agreement with XXXX XXXX but no breakdown of the {$1800.00} being reported on my credit file because I know that amount is inaccurate and by law they have to provide valid evidence of the amount being accurate. They did not. On XX/XX/XXXXI pulled up my official credit reports from all 3 credit reporting agencies and noticed this company National Credit Systems is reporting this invalidated debt with 3 different " Open Dates '' on all 3 reports. This is a violation of the Fair Credit Reporting Act. I have asked all 3 credit reporting agencies to properly investigate this matter and they clearly have dropped the ball because if National Credit Systems properly provided the credit they too would have noticed all the dates are not matching because they do n't have any proof this debt is actually mine. I will be uploading the pictures of the following " open dates '' being reported. 1 ) XX/XX/XXXX via XXXX 2 ) XX/XX/XXXXvia XXXX. 3 ) XX/XX/XXXX via XXXX This information is required to be verified and accurate and with 3 completey different dates there is now way that is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX XXXX. XXXX, XXXX & Equifax. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I made a payment on my car note of XXXX. I received an email onXX/XX/XXXX stating that my payment had been made and giving me a confirmation number for the payment.
I also received a mailed statement from my lender stating that I had made the payment, dated XX/XX/XXXXFive days later, onXX/XX/XXXX my lender, Ally Financial, stated that they had not been paid, as they had neglected to take the funds given to them on the day that they were given, despite the fact that they had issued two ( 2 ) written notices stating that they had been paid.
They have now begun credit collection activities against me, including calling my work phone number ad nauseam, Monday through Friday, sometimes seven to eight times a day.
When the money was available for the payment, the payment was made. Ally sat on my transaction for nearly an entire week, and did not take their payment, although they stated and confirmed with a confirmation number that they had.
Now, I am in arrears and owe penalties which seem to have been the aim of the company, to obtain more funds than the payment amount, or by the negligence, or laziness of their employees, I now owe said penalties, and am in danger of losing my vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I reviewed my credit report and Credit Protection Association has been attempting to collect a debt for {$740.00}. This company is not licensed to collect any debt in the state of Florida..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hi I tried to dispute with Experian about an account from XXXX, the account is no longer with that company and I verified that but yet they just updated the info and not deleted it. I actually do not feel like they even disputed it because the results came back way to fast for them to have thoroughly investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is reporting 2 public records both for {$0.00} and both items does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX Hunter Warfield was sent another request for validation and all account info and notified that the debt is not owed. Tracking # XXXX XXXX XXXX XXXX - As of today no response has been received. 

Previous request for debt validation tracking # XXXX XXXX XXXX XXXX XXXX Many other requests in writing however documents not accessible at this time. 

Their claim of over {$12000.00} for XXXX XXXX is a fraudulent amount and impossible. I submitted the signed and approved by XXXX XXXX `` XXXX XXXX Notice of Intent to Vacate '' on XXXX/XXXX/XXXX for move out on XXXX/XXXX/XXXX. XXXX was paid in full and an overage for XXXX. Later an attorney acknowledged that there was only a partial balance for XXXX and XXXX of {$4300.00} however that is AFTER and the case was dismissed because they were attempting to evict me when I had already moved out and provided notice with management signature. 

XXXX XXXX continues to ignore requests for validation and report inaccurate information and a debt that is not owed. They have not responded to recent request for removal 30 days ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: ID

Complaint narrative:
I was working with Guild Mortgage back in XXXX, XXXX to buy my first home. I had already been approved when I was asked by the lender if I wanted to either close before XXXX XXXX or prepay my taxes in order to qualify for the homeowner 's exemption that would reduce my overall taxes. The lender explained that either way, I would get the exemption and most of my pre-paid taxes would be returned to me at the end of the year when the tax bill came out, as I would be essentially double paying with both my prepayment and my escrow fees. The lender even called my mother to encourage her to loan me the money for these upfront tax payments, which she did, telling her the same thing. We closed on the loan and I moved into my first home. Then in XXXX, I got the tax bill with no homeowner 's exemption. When I called the tax assessor, they told me I did n't file the form before the XXXX XXXX deadline, so there was no exemption, and that they had never heard of anyone getting this exemption by pre-paying. When I tried to resolve this issue with Guild, they told me I had " misunderstood '' and that at no time did they ever say I would get the exemption, and that I prepaid in order to get lower taxes. None of that is true. I have essentially paid twice for the same tax bill, and I believe I am due the money back that I borrowed from my mother and paid up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX 2017.  XXXX, Experian & XXXX. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Numerous calls to XXXX XXXX XXXX XXXX to NOT call us for someone that has NEVER worked here. I have personally spoken with at least 15 " managers '' that promised to stop the calls. Bordering on harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: MS

Complaint narrative:
Global Receivables Solutions has been calling me every hour without leaving a voicemail. I 've received nothing from them in the mail, so I do n't know what their supposed business is with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation