vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: MO

Complaint narrative:
The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous Equifax breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX {$7700.00} 4 ) Dept of EDXXXX XXXX {$5100.00} XXXX ) Dept of EDXXXX XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase closed my account on the grounds of not using the card as intended which is a false allegation. The risk factor that brought them to this decision was based on the number of authorized users I added to my account in which they thought was some fraudulent activity in which I'm on a recorded line explaining that is was family members I added which is in line with the use of the card. I've spoken to higher authorities within the company which is also recorded letting them know that it was simple as reaching out to me for understanding instead of closing my account in which I've been a customer for XXXXyears, XXXX  months with no late payments. I've plead my case and they clearly stated on the phone call that I was operating within the scope of the cards intended use and if we are in agreement there then my card should have not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: MO

Complaint narrative:
The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous XXXX   breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX  {$7700.00} 4 ) Dept of ED/ XXXX {$5100.00} 5 ) Dept of ED/ XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous XXXX   breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX  {$7700.00} 4 ) Dept of ED/ XXXX {$5100.00} 5 ) Dept of ED/ XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}

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 2020-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cottonwood Financial Ltd.
State: NM

Complaint narrative:
XX/XX/2020 PAID XXXX After several times of contacting them the balance finally showed a XXXX recently XXXX showing as an open collection this has dropped my FICO 4 score 49 points making

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I can not add accounts to send money to. Apps like XXXX, XXXX require you to link you bank account for functionality of the app. Having my money held hostage is unethical, I should have the freedom to send money or link my account to whomever I choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
I closed on a HomeStyle Renovation Loan with Homebridge Financial Services on XX/XX/2020. There were two major red flags that occurred leading up to the closing, one of which was resolved after I complained. The 2nd one was discovered on the day of closing and I am still fighting with executive management level to get it resolved but no success as of yet. 

1 ) About a week prior to my closing, I received disclosure documents that had inflated fees built into my reno costs. The lender added a {$2000.00} " Rehab Fee '' that was never mentioned when I did my initial inquiry before starting the loan process. After complaining and escalating to the branch manager, XXXX XXXX, this was removed prior to closing. 

2 ) On the day of closing, I saw my amortization schedule for the first time. My XXXX begins at 137 % vs. being under 100 % as you would typically expect. This increases the length of time to reach automatic PMI cancellation at 78 % XXXX. This is a loan for a total of XXXX ( purchase price of XXXX and renovation costs of XXXX = XXXX ). The XXXX from appraisal company was $ XXXX. 

I know that the banks will use lesser of the XXXX values for XXXX but Homebridge used purchase price only. That is how they got the 137 % and get me hooked for PMI for longer than I need to. I disagreed and brought it with XXXX XXXX, who then forwarded my concern to the Renovations Manager, XXXX XXXX, who confirmed that 137 % XXXX is incorrect and that is due to a " glitch '' in their " encompass '' program. He confirmed that my XXXX should be 94.05 % to start based on a value of XXXX. 

So agreed with XXXX 's rationale as that was my argument to begin with. All I asked for was to get revised amortization schedule with the corrected LTVs showing the starting point at 94 %, not 137 %, as that would reduce the number of years to reach 78 % for PMI cancellation. 

I have escalated my email to highest of executives in the company including XXXX XXXX and XXXX XXXX for the past few weeks but no corrected amortization schedule to date. Please help me.

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I was having such a hard time w a loan modification w the servicer that I had to hire an attorney. At the end of XX/XX/2019 I was waiting for the signed permanent modification, it took so long to get back the signed mod & there was a pending sale date-so I withheld payment to be sure my loan was modified. I made the payment late in XX/XX/2019. I also applied for a modification ( it took the lender almost a year to correct errors and send a perm modification ) & finances had changed due to wildfires in CA. I never heard back. I was given the run around about the RMA. In XXXX and XXXX, following medical orders, my XXXX  & I were XXXX XXXX and very XXXX. I could hardly function. I sent in a request for COVID assistance of some kind. Still no reply. I was placed in foreclosure during the Pandemic, while the state was declared a Disaster & sheltering in place- I was placed in foreclosure. I did received modification application, which I sent back in XXXX. Perhaps bc of COVID they were understaffed, but in that time, my loan was put in foreclosure, I incurred late fees & foreclosure fees during a Statewide Stay at Home Order. Yesterday I submitted a request online for COVID assistance & sent in a RMA. I attached the docs here, aside from tax returns bc of size.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
We came to a settlement to pay XXXX XXXX down and XXXX payments after to close the account and have it dropped off my credit however i have made all payments now and there still trying to take another XXXX on XX/XX/XXXX i spoke to them and the lady said i made a total of XXXX payments which is more than agreed and was supposed to have emailed there supervisor to have it closed since she seen i made a total of XXXX payments to equal the full amount in stead of the settled amount that was around {$120.00} less i have screen shot of all payments on top of when it was taken out of my bank on my app. It started XX/XX/2020 with {$50.00} down then another payment of {$62.00} on XX/XX/XXXX and again XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX now they are trying to take another payment for XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing without my knowledge or permission placed me into a deferment status that I never authorized. I am now trying to refinance my home and am unable to do so because of the status Shellpoint put me in.

I have not missed any payments and my account always has been and is currently current. 

Because of their actions it is preventing me from taking advantage of the currently low rates and they are going to cost me thousands of dollars in savings each year. 
Thank you in advance for your help in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
It won't let me connect my pnc account says they don't work with you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Back in XX/XX/2019 a settlement was made to XXXX  XXXX for a balance on a card I had them with them. This was never updated to my credit report it currently is showing that this account is past due for {$7800.00}. As you can imagine this greatly impacts my credit worthiness and I can not close on a loan I am currently in contract with.

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX I attempted to " Round Up '' my purchases to invest that partial dollar into investments. I was notified that PNC had changed their policies and this is no longer allowed. My husband is out of work so this is one of the few ways I can save money now. 

Please encourage or direct PNC to change their policy. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: NY

Complaint narrative:
Back in XX/XX/2019 a settlement was made to XXXX XXXXXXXX for a balance on a card I had them with them. This was never updated to my credit report it currently is showing that this account is past due for {$7800.00}. As you can imagine this greatly impacts my credit worthiness and I can not close on a loan I am currently in contract with.

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 2020-06-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Back in XX/XX/2019 a settlement was made to XXXX  XXXX for a balance on a card I had them with them. This was never updated to my credit report it currently is showing that this account is past due for {$7800.00}. As you can imagine this greatly impacts my credit worthiness and I can not close on a loan I am currently in contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Since XX/XX/XXXX, I have called Kia Finance every few days at different times to ask questions about my end of lease on XX/XX/XXXX. In addition, their automated system states I owe a payment for XX/XX/XXXX, however, I paid my last payment when I entered into the lease agreement. I need to talk to an agent to address these issues with my lease. 

Every time I call the number on the letter, Kia states that they have a high volume of calls and their phone system hangs up on me. This is ridiculous! How can a company be allowed to operate without proper staffing in place. It's understandable to have some issues but this is the same message for over a month. They should be fined at this point if they can not answer calls. How it is even legal for them not to be able to take a call from customers on their accounts? I call at different times of the day, every day of the week and can never get through, can not leave a message, and can not stay on hold as the phone system hangs up on me at XXXX XXXX  when they first open. How can they have a call volume right as they open at XXXX XXXX  that they can not handle and hang up on customers? How can I resolve account issues when I can not get through to anyone at Kia?

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are reporting.

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Applied for a loan with TD Bank. Submitted necessary application received been Conditional Approval on XX/XX/20. Uploaded all documents necessary for final approval. 
Received documents in mail to review. Initial rate on 7/1 ARM was 3.25 % on Loan Estimate. 
As part of the loan documents, I received a Rate Lock Agreement. This Agreement included a Standard Rate Lock for a period of 90 days. 
The Agreement included a Float Down Option which allowed a one time adjustment if the " current Bank advertised rate was 0.25 % lower than my current locked interest rate '' ( 3.25 % ). 
The Early Arm Disclosure Statement stated The Index is LIBOR12M. The Loan Estimate also included an AIR Table specifying the Index + Margin as LIBOR12M+2.25 %. 
During this process the Index moved lower and I requested the one-time Float Down on XX/XX/20.On XX/XX/20, I received an email stating ; " There is no float down available for this application today. The market is not a full .25 % lower '' after my contact stated she reached out to her " pricing department ''. 
Correspondence back from lender stated that the bank uses the SOFR index to set the Float Down rate. 
Numerous email correspondence and unanswered telephone messages requested clarification on the index and continued request for a Float Down. 
On XX/XX/20, I notified the bank that : " If do not hear from someone from your bank regarding the index question ( SOFR vs LIBOR ) by XXXX XXXX today, I will be reporting this issue to the FDIC and Office of Financial Regulation ( OFR ) for their review. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020 at XXXX XXXX  I answered the call after ignoring 15+ times, or getting to the phone late. I let the man named XXXX finish his intro and let him know " Do not call '' I repeated this phrase over 5 times giving him a chance to respond each one, he demanded to know who I am or else he can not file the DNC and they will keep calling. I have done collections myself and know that you can mark a phone number as DNC without having an account pulled up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: AR

Complaint narrative:
The debt collection company AFNI put a debt that has been disputed with several companies and removed several times with other companies. After being tired of trying to rectify the situation through disputes I contacted AFNI on XX/XX/2020 and reached a settlement and was told if I paid the settlement the debt would be paid and removed. I was advised this would be updated the following Sunday on XX/XX/2020. As of today, XX/XX/2020 ; the collection still shows open, as if I still owe it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In an earlier complaint with CFPB I requested that Wells Fargo inform me of who has the money that was fraudulently taken out of my account as of the date of my complaint. They did not answer my complaint. They told me who they sent it to. They sent it to a third party attorney that works for them. I then sent the below email : From : XXXX XXXX XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX  To : XXXX, XXXX ( XXXX ) XXXX Subject : Request dated XX/XX/2020 re : XXXX XXXX Account Number ending in XXXX Hello XXXX, I understand that Wells Fargo mailed the {$39000.00} from my account to XXXX and XXXX on XX/XX/2020 . 
I would like to request that you contact XXXX and XXXX and request if they still have the {$39000.00}. If they do not still have the money, who was it provided to. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX P.S. If I do not receive an answer by the end of the day, I will contact the Consumer Finance Protection Bureau for help. Thank you very much, 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
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I received a message from a collection agency called Rent Recovery Solutions for unpaid rent in a property that I moved out of on XX/XX/16. As a result, the creditor, XXXX XXXX billed me for an additional month, per my lease I should of been billed through my move out date. I have an email thread from XXXX XXXX that solidifies my claim as well as a receipt from my moving company. My property manager was XXXX XXXX. The amount that is appearing on my credit is {$3400.00}

Company response to consumer: Closed with explanation