vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CitiBank NA continues to report my account as not current or charge off affecting my credit score and ability to get credit cards. The account was closed and settled back in XXXX. It was a Best Buy card, which I currently have another Best Buy card, oddly enough through citibank, which is current and in good standing. So why this one continues to show negatively on my report is beyond me. The last reported not Current was back in XX/XX/XXXX. Luckily the madness seems to have stopped, but from XX/XX/XXXX to XX/XX/XXXX it was reported as not current/charge off which is incorrect. I disputed it with XXXX and they said it is correct information. IT IS NOT CORRECT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I have late payments that appear on my credit history report for the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from American Honda Finance. I have reached out to them numerous times with no resolution. My payments have never been past 30 days late, but they profusely continue to report them as such. I disputed the issue to the credit bureau and in spite of my dispute, they added additional late payments to my credit report. When I called and asked why was this done, they told me that my payments were 31 or 32 days late. I know right. Wow. It's pretty amazing that an entity can be so spiteful about someone disputing incorrect information that they respond with invalid technicalities. This is what I get from a company that I have spent well over {$100000.00} on. I may have learned my lesson this time. These negatively impact my life. Yet, I am sure they do this purposely to ruin my credit and keep me as a customer for as long as they wish because they know I will shamelessly return. And since, I am a returning customer, they give me the benefit of the doubt and approve me with high interest rates and outrages terms. Then, they can dump me like trash and leave my life in shambles while they repeat this cycle consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Harley Davidson Financial Services Inc
State: NY

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I applied for the loan XX/XX/2020 $ XXXX {$25.00} interest+ {$75.00} processing had just had XXXX. Asked the processor about payments and interest rate was quoted wrong rate .08192 % his answer was he didn't have a calculator. Made scheduled payment of {$150.00} XX/XX/2020 and another {$100.00} XX/XX/2020. Principle balance on line showed as {$350.00}. On XX/XX/2020 he interest rate changed and they reduced my line of credit. Called on XX/XX/2020 agent stated rate as .08192 % no calculator, no accounting department and no supervisor. According to Virginia statutes the interest rate applied is usury and 10 % is the cap. On XX/XX/2020 I paid $ XXXX {$35.00} interest and informed CashnetUSA that acceptance of my payment acknowledged payment in full. I contacted the XXXX and Cashnetusa stated I had no account. I have received calls, emails and a letter. I am unemployed because of Covid19 and at high risk XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: KS

Complaint narrative:
I am trying to use XXXX and it says my bank PNC has a problem with me linking account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
I applied for a loan modificaiton onXX/XX/XXXX. I clearly marked on the application that I have a decrease in household income. I was told I need to send them proof to show how my income decreased. 
Since I am self employed, I sent them 3 months of bank statements from XXXX to XXXX showing the decrease of business income with a letter explaining this. 
When I called to follow up, the very very rude representative said that I did not show documents that my household expenses increased. I told him again and again, that was not my hardship. I never marked that. I indicated that my household income decreased and provided bank statements showing as such. 
He did not assist me and on top of it, my application was declien onXX/XX/XXXX even though their original letters said XXXX XXXX XXXX i SENT these documents prior to that. Now I am facing losing my home which I put a lot of work into. I put in solar panels for energy saving

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 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Southwest Credit Systems continues its attempts to collect a debt that I have disputed multiple times with them and 9 other collection agencies representing t-mobile before them. 

I was never mailed a notice that they were attempting to collect a debt from me. I first saw this on my credit report and immediately filed a written dispute notice with their company. 

The second time it was disputed when they called me and violated the written request for a do not call order and to have all communications in writing. 

I sent a third request through credit agencies XXXX months ago and have not received a response but they are still actively pursuing a false debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/2020 My mortgage servicer was XXXX XXXX XXXX they sold their mortgage servicing assets to NewRez LLC dba Shellpoint Mortgage Servicing XX/XX/2020. On XX/XX/2020 my mortgage payment servicing functions transferred to shellpointmtg. The problem began when XXXX intentionally transferred a mortgage escrow shortage balance to shellpointmtg on XX/XX/2020. The escrow shortage they transferred to shellpointmtg was in the amount of XXXX They also transferred incorrect Real Estate Tax information to shellpointmtg that caused my monthly mortgage payments to increases by {$230.00} monthly. The intentional incorrect information XXXX transferred to shellpointmtg caused my mortgage payments to increase from {$560.00} to {$800.00} monthly. I have written to shellpointmtg 10 times with documentation that shows XXXX records were incorrect in regards to the Real Estate Tax escrow shortgage ; and I have called them over 10 times to try to get the matter corrected. Shellpoint has refused to correct the mistake. They say it can only be corrected with a new Tax bill mailed or faxed to them showing a different amount, a lower amount. So now they are keeping regular monthly payments of {$560.00} in an unapplied funds for over 20+ days. It appears from my observation that they don't apply my previous month payment to my principle balance until it's around time for me to make the next month payment ... I have to call into their customer service department many times asking them to apply the money they are holding in unapplied funds to my regular payment. For example, they received my XXXX payment On XX/XX/2020, the funds were removed from my checking account on XX/XX/2020 by shellpointmtg but  they did not apply it to my mortgage principle balance until XX/XX/2020 ... after I called in atleast 4 to 5 times requesting them to apply my payment they were holding. They received my XX/XX/2020 payment on Friday, XX/XX/2020 and removed the funds from my checking account on Monday, XX/XX/2020 but have not as of today ( XX/XX/2020 ) applied it to my mortgage principle balance. It's setting in unapplied funds. Since XX/XX/2020 these are a few of the people I have called and talked to about my mortgage account : XXXX XXXX XXXX in customer service he said he was in XXXX Arizona, XXXX XXXX XXXX in the XXXX department she said she was with the XXXX SC office, XXXX XXXX XXXX in XXXX XXXX department, XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX in the collections department on XX/XX/2020, and last XXXX XXXX XXXX on XX/XX/2020 she called from XXXX Arizona..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Wrong outdated address on credit report, reporting agencies do not have my correct name has other names will not remove incorrect information

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 2020-06-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I can not use many of their features correctly nor can I link my account to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: MO

Complaint narrative:
Lending club offered 2 month deferment of payment which includes principal and interest to be deffered to back side of loan. These 2 months were for XX/XX/XXXX and XX/XX/XXXX payment. XX/XX/XXXX I made my payment and all {$920.00} was applied to principal. I called and they were going to get this resolved. Nothing happened so I called back about middle of XXXX and said it was still showing interest. They made lots of notes, put me on hold, called other departments and said they would get this figured out. Today I called because I logged onto account and my XX/XX/XXXX payment is showing {$760.00} went to interest and {$160.00} went to principal. the rep said it was because I skipped 2 payments and that the next 2 collects the interest. The first 2 reps on XX/XX/XXXX and the XXXX never said any of this and I have a letter dated XX/XX/XXXX that sais *Extended loan term : The term ( length ) of your loan will be extended to account for any deferred payments and interest accrual. Interest will continue to accrue daily on your outstanding principal balance as outlined in your truth in lending disclosure. 

So it looks like for XXXX and XXXX they charged me {$1600.00} of interest.. This is fraud!!! My interest for a normal month is {$430.00} so 2 months should have been roughly {$860.00} and even that should be at the back of the loan. 

The rep today had incredibly strong accent so very hard to understand but I still understand that this is an absolute rip off. Taking advantage of covid times should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
My economic impact money issued by the US government were scheduled to pay me on XX/XX/XXXX. I was told that I will receive a debit card issued by the bank ( XXXX ). Until today my wife and I don't receive cards. 
I tried numerous times call the bank ( XXXX ) but always I was disconnected because I don't have a card number ( I don't have because I did not receive it ). There are two cards issued one for me second for my wife. Both debut card should have {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX have noticed a negative balance on my credit report I call my credit bureaus and the company that place me for collections the company stated that the account is me I have try to file a police report but the precinct is giving me a round around I told them that its not me they still keep posting this negative balance on my report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
I sent a validation to this company via certified mail and I received a response however it did not validate that this debt was mine and that they were actually allowed to collect on a debt that has not been confirmed as mine. I receive nothing from them that they are required to send to prove that this is accurate and my debts. However I received a bunch of statements with services and procedures. They are also reporting on my credit reports and they are adjusting the amounts that i supposedly owe in order to re-age this inaccurate and unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Yes, Approximately two to three months ago a collector by the name of Paramount Recovery Service was harassing my job with unwanted phone calls, stocking my place of Residence and harassing me indirectly. Onced I figured out why I was going through trouble with my job, my place of stay and indirectly being harassed from Paramount Recovery Service. Paramount Recover Service sent me a bill in my mail box, which, I dont know how it received my place of stay I phoned Paramount and explained to the lady working the phone that, that bill was disputed over five to six years ago for the fact that I had insurance and it was canceled by the insure at the time I was seen a doctor and please stop harassing me indirectly ; but still Paramount is starting it up again with the harassment and posting it on my credit report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Granite Edvance Corporation
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on different month from 3 bureaus. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to unforeseen personal medical expenses I shopped around for insurance coverage for my condominium to see if I could save a little money. I was able to find a policy that met the requirements of my mortgage holder, Regions Mortgage, and for less of a premium than my prior insurer. 

Insurance is paid through escrow. When the new policy was written, Regions never paid the bill and a new policy had to be written. My new insurance agent called Regions, sent the bill according to Regions ' instructions and followed up with them when the bill was not paid. Finally, I alerted Regions in writing that I was without insurance coverage unless and until the bill was paid. At that point, a completely new policy had to be written. 

Instead of taking ownership of the problem Regions itself created, Regions billed me {$120.00} for lender-placed coverage for what they deem as a retroactive lapse in coverage in XXXX of this year. The attached documents show my two attempts to obtain insurance through XXXX XXXX ( in XXXX and XXXX ) and a Regions statement showing the {$120.00} charge. Essentially what Regions has done here was to take my alerting of them of my condo not having insurance in order to try and profit from their mistakes. Conflicts of interest between mortgage companies and insurance companies for purposes of forcing customers to buy insurance are common in this industry and I have identified what could be a conflict of interest between Regions and its insurance company. 

Dozens of phone calls and written correspondence to Regions trying to resolve this matter have yielded nothing. 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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I set up bimonthly payments with Specialized Loan Servicing on the SLS.org website. 

On XX/XX/XXXX SLS withdrew {$1400.00} via ACH for 1/2 of the XXXX mortgage payment. 

On XX/XX/XXXX SLS withdrew {$1400.00} via ACH for the second 1/2 of the XXXX mortgage payment. 

For unknown reasons SLS did not withdraw either of XXXX XXXX ACH payments and did not notify me until XX/XX/XXXX that my XXXX payment was late. In the notification letter they listed a next payment due date of XX/XX/XXXX for a total amount of {$2400.00} and a late charge of {$72.00} inferring that the XXXX payment was late. ( As stated above SLS had withdrew both XXXX debits. 

After 4 separate requests SLS is refusing to reverse the late charge claiming that they had already dismissed a previous late charge in XX/XX/XXXX. 

I don't feel that I should be responsible for this or any late charge as I paid the XXXX payment via ACH and it was SLS 's fault that they didn't process the XXXX payments via ACH.

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