vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
The bank Dovenmuhle is withholding my escrow amount of {$4000.00} for the past 7 months. It is very difficult during this unprecedented times and the bank is not responsive in returning the money. I refinanced my mortgage with this bank on XX/XX/XXXX. Therefore, under law I am entitled to my escrow amount. Below are the times I have contacted the bank XXXX - First inquiry was made to request status of the check. I was told the check will be coming. 

XX/XX/XXXX, XXXX Second inquiry was made to request for the check, I again was told it needed to go through the system so I should get it in 30 days. 

XX/XX/XXXX - Third inquiry was made to request for the check, I was told it is in the mail XX/XX/XXXX XXXX Fourth inquiry was made to request for the escrow check, I was told by the supervisor XXXX XXXX XXXX , the check is coming. 

Today is XX/XX/XXXX. I have been waiting over 7 months. Coronavirus is a difficult period of time. For the bank to withhold money to ordinary people, is immoral and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I held a credit limit of XXXX for a year with Synchrony bank. I have made all payment on time. Paid balances in fill every billing cycle. During the pandemic they closed my account stating I had a low credit score and to many accounts. Which at the time none of this was true. When they close my account ; I lost all rights to rewards I earned using my card and no one has made me whole. I have made several attempt to resolve matter with company. But no avail

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 2020-07-25 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$1100.00}, no account number listed ; account stated opened XX/XX/XXXX ; company address XXXX XXXX XXXX XXXX CA and XXXXXXXX XXXX XXXX XXXX CA XXXX, listed on both XXXX  and TransUnion

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 2020-07-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/2006 my brother took out a loan against our house. I had no knowledge or did I sign anything to approve the loan. But XXXX and XXXX XXXX XXXX went around the law and issued the loan ( I have proof from a title company that they knew there was a 2nd party on the title and they just took me off title ). Needless to say my brother defaulted on the loan. I fought for 3 years for this even tried to get a modification on his loan but I got no paperwork saying they rejected the modification just a call from an attorney that they said no. I have spent lots of time and money to fix this and in the end we paid to catch up the loan and the foreclosure was dismissed. I am refinancing the house now and since XXXX went bankrupt a new company took over the loan. They are trying to charge us again for the legal fees that were already paid. I showed then the proof and once again so sorry but no. This is a difficult situation made worse by XXXX, XXXX XXXX XXXX and Shellpoint mortgage. I have sent numerous e-mails and it went on def ears. They all have done illegal things and I find it horrible. I was lucky enough to be able to save my home but I am sure there are others who found themselves in the same situation that lost their homes. They all should be responsible for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: OneMain Finance Corporation
State: AR

Complaint narrative:
I submitted a complaint. The company responded and said they have the loan application showing it was me that took out a loan. I have never lived in XXXX Alabama and I have filed multiple identity theft reports to get this account removed from my credit report. The company also didn't send any copies of ID or social security card. This account is not mine. Delete it from my report. I have also filed a police report against this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc

Complaint narrative:
Hi Today XXXX XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX stating that I owe XXXX with Ref PayPal I contacted PayPal immediately and they confirmed that I dont owe anything or have unpaid or overdue payments or transaction with PayPal at present time and day. PayPal admited that they do business with XXXX Debt Collector .I asked to get in touch with one another to inform each other that my account is clean. PayPal said since my account is clean they cant open an enquiry or dispute unless theres a payment issue, which is not at the moment. I dont know how to deal with this mistery debt.. 
Please reply Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have a cash app a account and I use it from time to time on Friday ( yesterday ) I cashapped my mom money for rent. My fianc called me and asked why I send her the payment multiple times It was XXXX to my mom XXXX XXXX ( we have a joint account ) I told him I didnt I looked in my cash app account and it only had one transaction. I then look at my banking mobile app and saw someone is using my debit card on there cash app and sending money from my bank account to theres. I immediately called the bank reported my debit card lost/stolen. I then contacted cash app via there support team on XXXX and demanded a refund. They allowed someone to upload a card to there cash app that didnt belong to them. They basically said they couldnt help me and to contact my bank. This is fraud I dont know the people who the money went to and I want a refund and my card to be removed from there cash app although I already closed the card I also filed a police report. The total amount taken was XXXX I have no idea who XXXX XXXX is or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I want to use my XXXX XXXX it won't let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XX/XX/2017 {$1100.00} reported negatively on my credit profile from a company I never did business with or ever had a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
I called GM financial on XX/XX/20 after seeing they put a charge off on my credit report. I called them and asked for information about the charge off. I wanted to know the amount they resold the vehicle to, and more details about the sale. I told them I wanted to know how they came up with this charge off amount. They rudely told me it was my job to update my address for this information and that they couldnt give me the details. That they can only mail me the charge off amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I began an IRRRL in XX/XX/2020 with XXXX XXXX in XXXX, California. 

Following closing of my previous loan with XXXX XXXX Mortgage, I was to receive XXXX months without a payment. 
I left town to visit my sick father in XXXX ; my mail was forwarded to my father 's address.

I received a mortgage statement from New Rez Mortgage stating that I owned for XX/XX/2020. 
I contacted my loan officer and informed him of this, then his boss.

I never received the " promised '' amount from my escrow account.

I found out later that New Rez used part of my escrow refund for some other purpose ; not acceptable. 
I contacted the XXXX XXXX XXXX in Florida, I advised something was a miss with my loan processing. 
According to my records, my escrow balance was {$980.00}, but only received {$280.00}. 
It appears that while my XXXX loan was processing, my lender sold it to New Rez ; I was never made aware of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have reached out to XXXX XXXX card on several occasions asking to remove the account off of my credit bureaus. The account has been paid for over a year now and they refuse to remove it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: AR

Complaint narrative:
I submitted a complaint. The company responded and said they have the loan application showing it was me that took out a loan. I have never lived in XXXX Alabama and I have filed multiple identity theft reports to get this account removed from my credit report. The company also didn't send any copies of ID or social security card. This account is not mine. Delete it from my report. I have also filed a police report against this company

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I initially filed a complaint XXXX. I want to file another complaint because this is an urgent matter. I must get my credit freeze lifted from Experian but NO ONE AT THAT COMPANY WILL TAKE OWNERSHIP AND HELP ME. I WILL ANSWER ANY AND ALL QUESTIONS TO VERIFY MY IDENTITY. NO ONE AT EXPERIAN WILL EVEN ASK ME QUESTIONS INSPITE OF ME PROVIDING MY DEMOGRAPHICS, INCLUDING SOCIAL SECURITY NUMBER. 

On XX/XX/20, after I provided an Experian rep all verification info., she asked me for an email address. I provided it to her. Her response was, " your email does not even generate questions for me to ask you to verify your identity ''. She said " you do not have an account with us. '' WHAT DOES THAT EVEN MEAN??? 

Of course, Experian has my credit information. I have worked for 47 years. 

I was not afforded the opportunity to answer any questions to verify my identity ( contrary to XXXX  and XXXX  ) The rep also stated I lifted the freeze on my account from XXXX XXXX, 2020. I DID NOT DO THAT!!!! If I did, I certainly would have remembered HOW TO LIFT A FREEZE AND WOULD DO IT AGAIN THIS TIME. 

I believe someone else lifted that freeze and Experian permitted it. NO ONE ELSE BUT ME HAS ACCESS TO MY PERSONAL FINANCIAL INFORMATION. NOW IT IS IMPOSSIBLE TO GET TO AN EXPERIAN EMPLOYEE WHO WILL ASK ME VERIFICATION QUESTIONS OVER THE PHONE. 

I UPLOADED VERIFICATION DOCUMENTS TO THE EXPERIAN WEBSITE ON XX/XX/20. NO ONE AT EXPERIAN CAN SEE THOSE DOCUMENTS. Why is that?? 

Experian is preventing me from refinancing my home. I am missing the opportunity for low interest rates due to Experian 's incompetence and obstructive business practices. Both XXXX  and XXXX  lifted the freeze on the SAME DAY I REQUESTED. 
Experian needs to do their job and solve customers issues caused by their incompetence.

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 2020-07-25 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have on numerous occasions explained to this company that this is not my issue. I have reported identity theft to all other agencies to include IRS, Social Security, other creditors, USPS, etc. and all have resolved this issue. This company Portfolio Recovery will not listen and continues to harass and damage my credit. Looking at my individual credit reporting, all is exceptional except this XXXX  company. They even have me living in a different state. I am looking into my legal ( lawsuit ) options. They need to get their act together and stop the harassment and damage!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have two Capitol One credit cards. During the mandatory shutdown of my state, I took advantage of deferring payments from several companies with no problems. 
One of my cards from Capitol One I had no issues with and resumed payments as instructed. I did this also with the other one based on the information the representative on the phone gave me. Capitol One reported a late payment during this deferment they offered. I have an exceptional on time payment history with this company. This affected my credit. I sent copies of my statements as well as my credit report to the address they instructed me to and have had no response. 
They are taking advantage during a crisis and it's unacceptable. 
I would like them to remove the late payment reporting on all three credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25 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: Conduent Incorporated
State: GA

Complaint narrative:
Never received a card its now been 6 weeks no customer service response at all. I am now XXXX   because of never receiving my card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have requested the removal of fraudulent/unauthorized inquiries with Equifax many time. These inquiries are damaging my credit report and opportunities to obtain credit. 
These inquiries have been removed from my XXXX & XXXX   report. I am now requesting Equifax to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I became XXXX and unable to work due to my XXXX XXXX XXXX after serving 23 years as an XXXX. I received compensation from Social Security XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   XXXX ( XXXX ). The income is tax free and under most cases not subject to normal garnishment. However, since XXXX ( XXXX XXXX XXXX /XXXX/XXXX XXXX ) do business on XXXX XXXX around the world by XXXX XXXX   they claim that unpaid debt to the XXXX XXXX Credit Card is secured by the Treasury Offset Program. TOP allows any unpaid debt to be paid from Federal Tax Refunds. 

I attempted to contact TSI by phone to determine if my XXXX tax refund was to be garnished. The person had no information about the COVID-19 exemption and stated that my last garnishment from my Social Security XXXX was made in XX/XX/XXXX in the amount of {$220.00} that started in XX/XX/XXXX. I had made 5 payments totaling {$1100.00}. Then my XXXX tax refund of {$1800.00} was garnished as well. {$2900.00} has been collected by TSI and my offer to settle the debt for the money already received {$2900.00} was denied and a counter offer of {$4000.00} was made. I told the person to get bent and that I would not pay anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
In XX/XX/2020, I noticed a debt reporting on my XXXX, XXXX, and XXXX  credit reports from TransWorld System Inc., for {$100.00} original debt is from XXXX I wrote Transworld System stating I was not aware of this debt and requested the original billing and address this debt came from, letter was mailed out through USPS with confirmed mailing slip. 
As of today, XX/XX/2020 I have had no reply from Transworld System.  Yet, this debt, which I have no information or knowledge of continues to be reported to my credit reports by Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America took more than 45 days to investigate my complaint. Also they did not fix the inaccuracies that was reported on my credit profile. The late payments on my credit report under Bank of America credit card is negatively affecting my financial health and ability to obtain financing.

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 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
Debt Recovery Solutions state that I owe {$1100.00} for a emergency bill in XXXX XXXX, Nevada. This bill is from a physician. This debt is not valid and does not belong to me. The bill does not have my correct date of birth. The bill also shows that I was uninsured at the time ; however, that is false. I can provide my health insurance information at the time. I have been attempting to have this debt validated by Debt Recovery Solutions for four months and they have yet to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I need to be able to use the XXXX XXXX to be able to avoid getting XXXX  overdraft fees that are literally fees of me being dead broke so please allow earning to be an authorized partner with Pnc

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XX/XX/XXXX To whom it may concern, I am writing this letter due to numerous disputes with XXXX XXXX in regards to my closed Amazon credit card account. 
On XX/XX/XXXX I contacted Amazon customer service after finding out that during my 10   months of XXXX my Amazon credit card had been compromised and my account was closed with a balance of {$450.00}. I spoke with a representative by the name of XXXX XXXX, who refunded the {$450.00} to my Amazon credit card. I have emails from Amazon over the course of three days from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is insisting that I pay the {$450.00} even though the charges are no longer valid. 


Sincerely, XXXX XXXX XXXX

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