vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
At the initiation of me surrendering my property back to the mortgage provider, I sent paperwork, legal documents and other pertinent information due to the home being sold illegally by a builder who was not licensed to build a home. Inevitably, the home 's foundation failed. The home sold at auction in XXXX. The mortgage account was closed with the correct payment statuses listed in my report. There is no foreclosure listed, and that is correct. In XX/XX/XXXX, I received a 1099C with and identifiable code of G which is identified as decision or policy to discontinue collection. Not identifiable code D, which is foreclosure. Which is correct. I have repeatedly requested the loan company update my credit report to reflect this and remove any remarks listed. Nothing has been done although my Experian report has been updated as of XX/XX/XXXX to reflect a foreclosure code. My XXXX  report is correct. My XXXX  report still states foreclosure. 

The mortgage company has failed to remove this information from my credit bureau reports after multiple attempts. Either I need an updated tax form or they need to remove all remarks and statues stating foreclosure from my credit bureau accounts.

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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I had applied to do a refinance via TD Bank of my current mortgage. Throughout the process with TD Bank I experienced so many issues with the quality of service that at the closing I decided to cancel my application and sent them a request to rescind by XX/XX/2020. By XX/XX/2020 they told me that they had accepted my request to rescind. But in XXXX I received a mortgage statement from TD Bank saying that they transferred XXXX dollars out my escrow account into their escrow account and that I was due the first payment. So now I have two mortgages, my current mortgage which was never paid as I cancelled the refinance, and a new mortgage with TD Bank. My credit score has gone down 12 points because of the extended financing out there ( twice as much of what I had before due to their mistake ). 

I've contact TD Bank multiple times and they just tell me they're looking into it and someone will get back to me. It's now almost 2 weeks and so far nothing has been corrected. I'm so regretful for started anything with TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/20 it has been brought to my attention that my investment account with XXXX was unable to be linked with my bank acct at PNC due to changes PNC has made. This impedes my ability to save and invest money accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TX

Complaint narrative:
I have requested information from Equifax via online and in writing about an account with XXXX XXXX account ending in XXXX. I did receive a response however they did not supply the full history. What they sent was partial history. They are showing the account was 2 months behind but at no point are they reporting 1 month. This isn't true investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: OH

Complaint narrative:
While conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am  allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I noticed that my two Citibank checking accounts had a $ XXXX   monthly fee for the first time in years. Nothing changed with respect to my accounts meeting the criteria for monthly balance over $ 10K and monthly direct deposit, and I called Citibank who told me this was a system error. Citibank did correct the error, but I am raising this complaint since I had to notice and call in to get this issue remediated, and it's important to me that Citibank takes more proactive action to make sure its other customers are not harmed.

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 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
In XXXX I refinanced my home. The loan was immediately sold to a company called RP Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I received a confirmation from the RP Funding company that they received {$2500.00} from my escrow on XX/XX/XXXX. In mid XXXX, I called the company twice because the first two requests from my local insurance agent, were not successful in obtaining payment for my homeowners insurance. According to RP Funding, on XX/XX/XXXX a check # XXXX was cut to my home owners policy XXXX XXXX XXXX XXXX ( XXXX ) for {$1300.00}. On XX/XX/XXXX, still having no payment XXXX insurance reached out to my insurance agent who spoke to RP Funding, and they subsequently wrote a partial payment for {$160.00}. This according is not satisfactory for the insurance payment because of the type of insurance plan I have it requires a full payment from the escrow. We will still be in default XX/XX/XXXX at 90 days without a payment in full. She contacted me XX/XX/XXXX, and I called on XX/XX/XXXX twice. First, speaking to the insurance department. They gave me a run around that I had to wait until XX/XX/XXXX or XXXX to ensure the check isn't cashed ( XXXX business days ) before any action could be taken. Then, I called for a manager who requested a new check, but not a stop or check payment (? ) on the original check. On Monday XXXX, my insurance agent contacted me to say we still had no payment from RP Funding. On Tuesday XX/XX/XXXX, I was on hold for 1.5 hours for insurance and at that point I gave up. I called back yesterday and got to a manager.  XXXX, who said that the manager on XX/XX/XXXX followed the wrong procedures, and we still have to research the original XX/XX/XXXX check. Once that is established as un-cashed we can begin to issue a new one. I was supposed to hear back by the XXXX via email and have heard nothing. The wait times and customer service is despicable and I am a patient person! My issue is that on XX/XX/XXXX my insurance will be in default and the mortgage company received the cash on XX/XX/XXXX. I feel we are running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: MD

Complaint narrative:
To whom it may concern I filed a dispute with Experian back in XX/XX/2020. The balance that was shown for loan through XXXX XXXX XXXX was incorrect. Experian informed me that it will take 30 days to resolve. I had also submitted documentation showing the new balance. 
XX/XX/XXXX Experian sent an email stating that my information have been updated. I had 1 point decreased in credit score with out an explanation. Also the updated balance was still incorrect. I called Experian customer service and the person I spoke to didnt know why my credit dropped a point or why the information wasn't corrected. Now it's going to take another 30 days to resolve this matter. Experian is one of the 3 major credit reporting agencies. Not having the right information, is disappointing and also a road block in trying to apply for credit or to make businesses transactions.

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 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal - negative {$4600.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4600.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4600.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: FL

Complaint narrative:
I have asked Experian Numerous times to send me a signed copy of everything I XXXX XXXX XXXX say 's I purchased on the XXXX account they have yet to provide me with this information. I need these copy 's because I did not make these charges. XXXX and XXXX   have both deleted this account from my credit reports because they could not provide this information. Experian needs to provide me with this information or this account needs to be deleted 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 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/2020 PayPal - negative {$6300.00} XX/XX/2020 Transfer P PayPal - negative {$6300.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$6300.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6300.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I have a debt that has been bought by Credit Systems Inc . The total was XXXX. Plus and interest rate of 13.99 % per annum. Which on my original contract states the interest is {$32.00}. 

I thought my garnishment was going to be over a month ago. But I keep getting charged. From XX/XX/20 to XX/XX/20 I have been charged {$18000.00}. I've contacted the creditors and been told that this additional debt has been the interest rate. But according to my original contract this is much more than I was originally told I would have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has refused to respond to my disputes because I used a free dispute letter from the internet and Information on how to submit it for free and have it track both ways. I have done nothing to violate any regulations. I provided Equifax with all the required information to identify me. Equifax claims my disputes look like others from a " credit repair company '' but fail to acknowledge that they have responded to the vast majority of those disputes regardless. Why am I being singled out? The Fair Credit Reporting Act requires that I be treated fairly. Equifax has already not treated me like others who used the same process. Additionally, the delays are more than the 30-days laid out in the FCRA. Please immediately process my disputes and send me the results ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XX/XX/2020 PayPal - negative {$4600.00} XX/XX/2020 Transfer P PayPal - negative {$4600.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4600.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4600.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Tile loan was paid off XX/XX/XXXX and I have not received title for trailer. 
When contacted they stated they did not have title. 
DMV contacted and stated Lendmark was lien holder on title and has not released lien. 
Lendmark contacted again stated they did not have title that XXXX never sent it back in XXXX. 

I just want title for vehicle that has been aid off since XX/XX/XXXX it is now XX/XX/XXXX. 
Unable to sale due to no title and lien holder still on title. 
Lost income due to financial institute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
on XXXX XXXX I was notified that a collection was put on my credit report from a company i don't know. i have never been contacted by phone. letter. or in person by this company. there is no amount stated. I want this removed from my credit report it is doing me great harm,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: HANCOCK WHITNEY BANK
State: SC

Complaint narrative:
I had an account with Midsouth Bank that I opened in XXXX. When the bank announced it was being purchased by XXXX XXXX I immediately closed my account to switch financial institutions. I went, in person, to Midsouth ( before the transition to HW ) to close the account. I had {$80.00} worth of pending charges left on the account so I left {$100.00} in the account to ensure it would be enough for all remaining transactions. Midsouth called me within two days to confirm that I had closed my account completely ( I do not have a way to confirm this as it was well over a year and a half ago ). My account was closed and I have not thought about it sense. On XX/XX/XXXX at XXXX EST I received a collection call on behalf of Hancock Whitney. The caller stated that I owed " an amount over {$200.00} '' but she was unsure of the exact amount. I immediately called Hancock Whitney and the three different people I talked to all gave me  different amounts of money that I owed to close an account with them. An account I never had with a bank I have never done any work with. I was told that my information had been carried over from my closed Midsouth account and that Hancock Whitney never went through the steps to make sure it was closed. They opened an account for me and allowed fraudulent purchases on this new account. On XX/XX/XXXX of XXXX ( A full year after I closed my account ) a purchase was made in my name. They could not give me the exact amount, nor could they tell me where the money was spent. They could only tell me that I had {$210.00} in late fees from Hancock Whitney and that the amount of the purchase would be added to that amount. I checked my credit score and this is not on my credit report ( XXXX XXXX ), but I am  afraid it will be soon. This bank has committed fraud by opening an account in my name without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Comerica
State: TX

Complaint narrative:
Comerica bank forced me to sign a forebearance letter even though all payments were current. Comerica announced they wanted to drop my loan and I needed to find another bank. After signing forebearance no bank would talk to me. They took my XXXX dollar commercial property. 

Now they refuse to give me info on my home mortgage Acct #, Payoff, why no statements? They refuse to talk to me. 

This cant be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Correction XX/XX/2020 at XXXX XXXX PDTTransaction ID : XXXX Payment Status : COMPLETED Gross amount - {$9000.00} USD We have no postal address on file Your Payment Gross Amount- {$9000.00} USD PayPal Fee {$0.00} USD Net Amount- {$9000.00} USD Contact info PayPal Funding details Funding Type : PayPal Balance Funding Source : - {$9000.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim. 

Memo {$9000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uptain Group, Inc.
State: MS

Complaint narrative:
On XX/XX/2020, I contacted Uptain Group to resolve an outstanding balance under {$60.00}. XXXX maintained a professional tone, but when I asked if Uptain Group reports unpaid collections to the credit bureau, her response was " This account hasn't been reported at this time. '' I then asked again if their company reports to the credit bureau. After asking the third time, she said they do not report. Her initial response was beyond false and misleading by answering " This account hasn't been reported at this time. '' The statement left much room for speculation that the account would/could be reported at some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Our Country is facing challenges times and therefore the Consumer financial Protection should step up to the plate and enforce certain provisions that help consumers retain their homes. It is why you exist ( Consumer Financial protection Bureau ), without consumer complaints this organization would be non existent, please take this complaint seriously. 

On XX/XX/2020, BB & T received our request for a loan modification. Pursuant to Federal Rules, upon receipt of financial package servicer 's are to comply with the Federal rules and provide borrower 's notices of acknowledgment within 5 ( five business days ), of receipt. As of today XX/XX/2020, we have not receive any acknowledgment from the servicer. The servicer believes that the Federal Rules do not apply to them. No one is above the law, in fact the Supreme Court recently made this very clear In : District of New  York  v Donald J Trump, ruling. BB & T is NOT ABOVE THE LAW. BB & T must provide the following 1 ) acknowledgment letter 2 ) Notice of process and or missing additional information 3 ) outcome of the request whether is approved or denial 4 ) in the event of denial provide information where to mail appeal. BB & T must comply with the RULES!. Consumer Financial do not just stand here, do your job!.

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