vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am trying to purchase a piece of land which has an uncanceled deed of trust keeping me from obtaining a clean title. The original loan was taken out with XXXX XXXX XXXX XXXX  ( XXXX, NC branch ) in XX/XX/XXXXand has been succeeded by several banks since. In XX/XX/XXXX the property was refinanced with XXXX in XX/XX/XXXX and the old deed of trust was not canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have several inquiries on my credit report that don't belong to me. please remove .XXXX, XX/XX/2019, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX, XXXX  XX/XX/2019 XXXX, XXXX XXXX  XXXX XXXX XXXX your tution XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XX/XX/2019, hdc XXXX im starting to apply for credit and now I have all these inquiries on my report. They stated this was done online and not in person please remove this from my 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 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CountryPlace Acceptance Corporation
State: LA

Complaint narrative:
I got behind on my mortgage and was told my family and I needed to vacate the home immediately two years ago. The home went to sheriff 's sale in XX/XX/2019 and the bank ( Country Place Mortgage ) purchased the home back. 

In XX/XX/2019, I was sent an application to apply for mortgage assistance by XXXX XXXX with CPM. I returned the application and required backup documentation the beginning of XXXX ( it was emailed to XXXX XXXX, via a HUD housing counselor with XXXX XXXX XXXX XXXX ). 

Multiple attempts to verify that the application was received have been ignored. Our housing counselor has attempted multiple times to receive a return phone call from XXXX XXXX or someone by the first name of XXXX and has never received a phone call back. 

We have not received acknowledgment that our application was received and we can not get anyone to return our phone calls. 

Yesterday, when my wife called to check on the status of the application, she was told by a customer service rep that assistance was denied. We have not been informed of this by mail or by phone call. The rep told my wife that CPM is not obligated to inform us if assistance was denied or not. Yet, the letter we have dated on XX/XX/2019 stated that we should received a confirmation letter that our application was received. We can't even get a phone call to tell us that the application was received. The customer service rep also asked my wife if we had a packet to apply for assistance. This is the very packet that we have submitted already and can not get any information on. 

The runaround is not professional and we need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I continue to be harassed with phone calls from Ally financial with regards to my auto loan ending in XXXX. 
I already told a rep a few weeks ago I would be making a payment of {$550.00} for the end of the month I am roughly one month behind, But I am buried with their late fees for another {$500.00}. I often pay more than the {$510.00} they ask, but they do not apply the extra towards late fees like they used to. 
They call from a number that comes up as unknown and do not identify themselves properly. 
They are calling from the XXXX, and are asking for Sensitive identity info. 
I have asked them to stop badgering me, as I have already made a promise to pay, but they continue to call and press for funds before the date I said I could pay!! 
I have had a death in my family and needed money for funeral Expenses. Im trying hard to catch up. These calls are harassment and frustrating. 
Pls do something about this.

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 2019-06-26 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: The Bureaus, Inc.
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : 0,  REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : WORLD OMNI FINANCIAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : THE BUREAUS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX my wallet was stolen along with my debit card, phone and other credentials. I have an account with Bank of America. Initially I was told that temporary funds would be given to me in three days until the issue was resolved. Now it appears they are giving me a hard time about my money. My account was basically wiped out. The total came to slightly over {$1300.00} I explained I have financial obligations and I need my money. I have been receiving the run around and no clear answers. I am XXXX years old and in a terrible predicament not of my doing. I would appreciate any help you can provide. 
Thank you

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 2019-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I went to XXXX XXXX College from XXXX to XXXX. The school lost its accreditation and I'm still working to pay off this loan. My loan was consolidated by Navient to where I have been making payments for years. In not really understanding the interest and payment plans I often asked for payment to apply to the principal or what reasonable plan I can manage to do so. They offered a plan with a massive amount of over {$500.00} a month and other plans that would not benefit me so reluctantly I opt for the income driven plan. I later notice that my interest are higher than my payments. Evan when i over pay. My balance never decreases. Each month it increases. I'm only paying interest, nothing goes to the principal balance, not 1.00 dollar. I thought this was against the law. I am compliant. Navient does not have to call and hunt me down to make my payments. I work as a XXXX XXXX for XXXX but can not apply for a forgiveness because it's XXXX XXXX. I understand that I took this loan but do not understand how it can be paid off. I am trapped. If I fail to pay they will take it from from tax returns and my credit destroyed. Getting a better education should not result in feeling this way. This wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
This is a complaint for the debt collector company- ProCollect.

I had resided in an apartment for 1 year and was charged a XXXX cleaning fee after moving out. The apartment complex, XXXX XXXX  XXXX, located in XXXX, Arizona did not send me written correspondence outlining the fee that was owed. In the move out notice it explained that the fees would be processed and mailed to the forwarding address on file once I moved out. I was waiting for this to be mailed to either myself or my mom as she was the cosigner. Since we received no correspondence in the mail, I expected no further charges were due. 

In XXXX I received two automated voicemails claiming to be a debt collection agency and that it was an attempt to collect debt. Two more voicemails were left in XXXX. I have been waiting for mail correspondence from the debt collectors as they must contact me in writing within five days of contacting me. 

Recently I was going though my voicemails and decided to give the number a call back. They had barely any account information only that it was from XXXX XXXX  XXXX and it was in my name. They were unable to accept payment and told me I had to email someone to obtain further information. They told me that in order to find out more information Mr. XXXX at ProCollect needed to take the restriction off the account. 

ProCollect -- the debt agency -- has not contacted me in writing nor is willing to cooperate over the phone regarding money owed. 

I ask for this company to prove that I owe money -- in writing -- and provide a secure means for me to pay the balance. I want it to be sent to both my mother and I as my mother was a cosigner on my account and should have been notified as well.

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 2019-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have several inquiries on my credit report that don't belong to me. please remove .XXXX, XX/XX/2019, XXXX, XXXX XXXX, XXXX   XXXX credit card XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX, XXXX   XX/XX/2019 XXXX, XXXX XXXX  XXXX , XXXX  XXXX XXXX   XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX . im starting to apply for credit and now I have all these inquiries on my report. They stated this was done online and not in person please remove this from my 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 2019-06-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is an account that is erroneous. I don't recall the exact scan or  procedure, but it occurred during a time when i had health insurance and it would have been paid by that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: American Credit Financial
State: VA

Complaint narrative:
I was contacted by a " courier service '' telling me they needed to serve me with papers for check fraud and other offenses. Also contacted 2 of my family members and told them I put them down as references, which I did not. When I called back they sent me to Amercian credit financial LLC. They told me the only option I had was to pay them in full or a {$300.00} down payment and {$100.00} a pay check or I would be  arrested. I mistakenly set up a payment arangement, but all of the paper work they have sent me doesnt seem legit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit Management has repeatedly called my work on a daily basis. It's been going on for months. I talked to them on the phone at my place of work in XXXX of XXXX, I made it clear that they can't call me at work. I asked them to give me a name and number that I could call back when I was on break. They wouldn't give me any information and didn't want to get off the phone. They kept on saying I needed to talk to them right now and that calling them back later will not do any good if I didn't finish talking to them. I was forced to hang up the phone because the person on the other end wouldn't let me call them back. Since then, they continue to call me at work multiple times per week. I have phone logs showing that they have called me up to Four days in a row. They have even left a message with the receptionist giving them the name of the company, Midland Credit Management and a note to have me call them back. This is embarrassing to me and also humiliating as I work in a small office with Three other people that can hear every word of my conversation. Today is Wednesday and they have called my place of work every day this week, so again today XX/XX/19, I answered the phone and asked the guy to please stop calling me at work. He said he would make a note of that if I stayed on the phone with him and finished this phone call. I said sir, I have asked your company before to please stop calling me at work. He replied " I will remove this number from your contact list, but only after we finish talking about the reason for this call and find a solution ''. This is harassment, and I want action to be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, I started a car insurance policy with XXXX XXXX. The policy effective date was from XX/XX/XXXX - XX/XX/XXXX and the TOTAL premium was {$990.00}. I made my first payment of {$160.00} on XX/XX/XXXX. Shortly, after I made my first payment, XXXX tried to increase my premium. Thus, I cancelled my policy with XXXX via email and started a new car insurance policy with XXXX XXXX on XX/XX/XXXX. With that being said, I do not owe XXXX XXXX anything! Yet, XXXX is claiming that I owe them {$1000.00} and has either sold the debt to Credit Collection Services or hired CCS to collect the debt. Thus, CCS is now reporting on my credit reports that I owe them {$1000.00}. I have disputed the alleged debt with the credit bureaus and it came back as 'verified and accurate '. Therefore, I wrote a letter to CCS asking them to validate the debt by providing me with an original contract bearing my signature and full accounting for the amount claimed to be owed. In their response, CCS didn't provide me with either of the two, but instead, a bill printout from XXXX 's website. Lastly, I called CCS and spoke with a manager, XXXX. Basically, XXXX stated that although CCS does not have the necessary documents to validate this debt, CCS will not stop reporting to the credit bureaus, unless I could provide proof of my new insurance policy and notice of cancellation. I have provided the requested documents, even though, legally, I am not obligated. Please see attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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 joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan since 2011, and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have already filed a complaint against this lender. The case was closed, but the problem persists. I have faithfully paid my mortgage and also principle abatement payments every month. Since XXXX of 2019 I have made 6 payments of {$2300.00} the lender reversed one of them and is not crediting my account. The lender states that they have corrected any problems, yet my statements continue to show less than I have paid. All of the numbers are wrong, the principal balance remaining, the interest paid and still owing. 6 payments @ $ XXXX {$13000.00} yet my statement shows that I have only paid {$11000.00}. I am tired of chasing after this lender, this problem has only existed since they merged or were acquired and became XXXX. I insist this issue be corrected and a new statement sent showing what Ive actually paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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 joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan since 2011, and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item 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 2019-06-26 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 joint account for the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have not been associated with this account, nor has my name been on the loan, since 2011 and the account has since been transferred. This incorrect reporting is harming my credit score. Please delete this item 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