vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Loan ending in # XXXX. We were told ( several times ) that there was never a loan interest rate of 3.625 % at the time of our application on a investment property. Why then did we receive two commitment letters, one dated XX/XX/18 and the other XXXX dated XX/XX/2018.

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 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2019-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Trust Management LLC
State: FL

Complaint narrative:
XXXX says that the comfortable collection Global Trust Management is responsible for not removing my negative negative, paid a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
turned over to my credit report to XXXX XXXX  2000 judgement called Jefferson capital systems and its not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed multiple Times of a debt that doesnt belong to me w equifax regarding a XXXX XXXX XXXX  credit card it had A suppose of {$300.00} limit opened in XXXX of 2012 I have disputed w XXXX XXXX as well as equifax I have asked for verification neither XXXX  XXXX or equifax has been unable to verify I have disputed this debt with XXXX & XXXX both were unable to verify So they deleted from my credit report equifax & XXXX XXXX keep responding account accurate With no verification that I asked for showing documents etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview had foreclosed on my home with forged and altered document and now have my house waiting to put up for sale, for the judge granted a final judgment on the plaintiff behalf, but refuses evidentiary hearing on how the plaintiff come about the assignment mortgage, back dating of false document, note without alonge, not chain of title.Debt Validation Letter, no response, and XXXX no response, enclosed with documents to support my claim. 
And XXXX XXXX XXXX who is authorized to give me a grant XXXX but instead a loan which they are not authorized but they did it anyway. 
So, my purpose is to let the CFPB know that I wants to have an Administrative Proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM FINANCIAL IS REPORTING THAT A LATE PAYMENT ON MY BUREAUS.I HAD NEVER PAID LATE OR MISSED A PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
hi we have been american express customers since XX/XX/XXXX having owned a centurion, platinum, gold, blue business plus, business platinum, simply cash and business gold i was an amazing customer never made a late payment always paid in full spent about XXXX XXXX dollars a year! i truly loved my cards and amex!! but now i am mad at amex they cancelled all my business and personal cards without notifying me .... they blaimed it on the bankruptcy basically, one of our old companies that we used to do business with, filed chapter XXXX bankruptcy under its tax id i have a perfect almost 800 credit score as i did not file bankrupcy and even thought the company we have not done business with for many years, went bankrupt they went and cancelled all my cards even my personal centurion   and platinum and gold,,,,, i am horrified at them i think everyone has american express cards should cancel them and run away as fast they can and go to XXXX XXXX or XXXX  i have other cards like XXXX  XXXX and XXXX and they ofcourse did not cancel any of my cards only amex can do such a terrible thing not only that it gets even worse can you imagine they refuse to refund any annual fees i just paid or even the {$7500.00} initiation fee i spent to open the centurion card that is true stealing its like buying something and not receiving it and then the seller refused to refund you complete robbery ... and this is american express run fast lets see what american express will do on my behalf and if they WILL refund any fees will keep you all posted on what happens

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I purchased thousands of dollars on Sears Citibank MasterCard and immediately paid the card off. In XX/XX/XXXXof this year, when I received a bill for {$29.00} I called Sears Citibank, paid the contested amount and closed the account. They confirmed the account was closed and I owed nothing. 

In XX/XX/XXXXI began receiving 4-5 calls a day from a robot saying to call Sears Citibank Master Card or contact Sears online. I contacted Sears and was told ( via chat ) that I owed XXXX dollars in interest on the previous {$29.00} charges. After wasting much time explaining the account was closed and waiting for them to look up all of my records ( I do not have the number any more ), they apologized for the error and promised to stop the calls. 

The calls continued. I called the number given which was changed to XXXX and got more robot directions. After hitting " 0 '' over and over and over, I finally received a human voice. I explained I did not owe anything to Sears, that I had closed my account and paid {$29.00} that I did not even owe, so I was sure not going to pay them any more. 

I was put on hold, transferred to another person who kept insisting my account said I now owed XXXX  DOLLARS. 

I am XXXX XXXX XXXX. This is consumer fraud. They badger people, wasting their time answering robot calls over and over and over, and then threaten to continue those calls and even damage their immaculate credit score if they do not dish out money to stop it. I want this stopped immediately and I want them to be 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 monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

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 2019-07-15 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: VI

Complaint narrative:
In XXXX of XXXX, I requested that Experian conduct an investigation into the false reporting being Done by my mortgage holder, XXXX XXXX. XXXX XXXX had been falsely reporting to Experian, that beginning in XXXX of XXXX and ending on XX/XX/XXXX, I had been defaulting on my mortgage note. As a result of this false reporting, my credit report precipitously decreased from XXXX down to XXXX. If XXXX had done any sort of investigation, it would have learned that my mortgage was paid automatically by my bank before the XXXX of every month for the entirety of the loan period. It would have learned that XXXX had been misapplying the payments to another mortgage account I held. XXXX did not have a proper accounting and servicing system that would and should have prevented XXXX from misapplying funds from one mortgage account to another, particularly since the funds had been paid automatically by my bank for the duration of the time XXXX serviced both loans. 

Instead, Experian simply changed my credit report to closed and transferred to XXXX which had assumed the mortgage from XXXX. I disputed the matter with XXXX which ceased the false reporting and conducted an investigation. It's investigation caused XXXX to repay the monies to me and I in turn paid the monies to XXXX which brought my loan current. XXXX was unable to fix the false reporting of XXXX, its predecessor. Experian violated its investigatory responsibilities of the Fair Credit Reporting Act.

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 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I called IQ Data International Collection company on  Friday XX/XX/2019 regarding a payoff letter for my lender. 

1. I was told that I had to provide a debit card number, expiration date and CVV in order to have my payoff letter " Generated '' - I hesitantly allowed them to use the card that was apparently already on file, though I personally never once gave them my debit card nor did I ever authorize them to have that. 

2. I have since called back today, XX/XX/2019, as I have not received that payoff letter. The woman I spoke to was able to verify my email address and a comment about how someone was scheduled to send that ( which means they lied, they told me it was already sent during the first phone call ). So I asked if she could resend that. she refused. I asked her who could, She said her boss could but that he wasn't around. 

This is preventing me from buying a mortgage. My closing date is XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
this is XXXX XXXX having issues with a old wells fargo account, currently closed my checking account was supposed to recieve deposit and subtract bills from account, but overdrafted cause mismanaged by bank as i can not control these now wells fargo state going to process lawsuit wells fargo threaten to slaunder my credit, name, and block all financials so i can not have any, because overdraft occured within bank account the deposit came after bills this was supposed to be deposit then billing same day but overdrafted.

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 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This complaint is about PayPal Holdings. They have not adequately safeguarded my financial information and have not effectively handled fraudulent transactions on both their XXXX and PayPal services. The transactions in question affected 2 bank accounts, 2 debit cards, and 3 credit cards ( which had to be replaced multiple times ) and totaled almost {$40000.00} being sent to XXXX, the XXXX, XXXX, and XXXX. 
I feel strongly that these incidents are not being investigated seriously and they are trying to inappropriately shift the blame to me. I feel that the fraudulent transactions need to be examined in detail by government agencies and or law enforcement or the state attorney general. 
On XX/XX/2019 I received a text message from XXXX XXXX and I learned of fraudulent transactions for foreign money transfers on the XXXX service on my XXXX XXXX credit card. I never had a XXXX account and did not know what XXXX was but when I looked it up, I learned that it was a PayPal company. Subsequent to that, on XX/XX/2019 I discovered that my PayPal account was and all my stored financial information was compromised. Rather than explain each incident, I am attaching supporting documents which tell the story. If you would like any additional information or have any questions, feel free to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I tried to do an online request of line if credit increase. The website said that a credit report wont be pulled. My credit line increase was declined and the bank sent me an email of the credit limit being declined. On the same day someone from the the credit card company pulled my credit report and increased my line of credit without my concern. After calling the bank the refused to remove from the credit report and keep on telling me to file a dispute with the credit bureau.

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

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 2019-07-15 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

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 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I got my 30-year fixed mortgage from XXXX and have always been paying on-time $ XXXX. In XX/XX/XXXX, New  Penn Financial ( currently NewRez ) bought the mortgage from XXXX. During the transition, I was informed that my mortgage remains absolutely unchanged except that payments will now go to the new servicer. Since XXXX NewRez started unfair and deceptive practices with this mortgage. In the XXXX statement the monthly payment changed from {$590.00} to {$600.00} without any reason. After contacting their customer service, they could not explain why and never fixed the wrong payment amount. Since XXXX they started sending me letters about hazard insurance that never had anything to do with my mortgage. I have never missed a payment ( auto-pay from my bank account ) and the mortgage has PMI from day one. For the past few months, NewRez continued harassing me with letters even after I contacted them. This month, they sent me letters showing they added thousands of dollars of insurance on my mortgage and showing huge deficit in my escrow balance and that I am default on my payments even though I have been paying the fixed {$590.00} per month on-time. On these letters, NewRez is threatening me to report me to the credit agencies and to take legal actions. Please see attached documents showing information on loan origin, current status and deceptive fees added by NewRez in recent months. Being a good citizen, I am requesting your urgent help against these fraudulent activities, deceptive tactics and harassment from this servicer. Your kind help will be greatly appreciated. Thanks.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
On XX/XX/2019, a check in the amount of {$2500.00} was received by my loan servicer, Fed Loan Servicing. I currently hold XXXX direct consolidation loans with Fed Loan Servicing. 
Correspondence with the check asked that the amount be applied to the principal of the single direct consolidation loan with the highest interest rate ( 7 % ). Included in that correspondence, was my name, my account number, the principal balance on the single loan I wanted it applied to, and the internal name that Fed Loan Servicing uses to describe this loan specifically. ( To them, it's " XXXX XXXX XXXX ''. ) My payment was misapplied. It was applied as an interest payment across all XXXX loans, directly against the stated payment instructions included in the correspondence. 

I am including a copy of the correspondence that was included with my loan payment.

Company response to consumer: Closed with non-monetary relief