vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Loan Servicing Issue : I have an insurance claim from Hail   Damage to my home. Mortgage provider required numerous documents in order to approve a contractor so they may make the needed repairs. The required paperwork was submitted and received in XX/XX/2019 as confirmed by the website they use to upload the documents. I get a phone call claiming the paperwork was approved and they will issue a check addressed to me and the contractor. Two months go by and I make attempts to get a status to no avail. I finally get a phone call from a representative the w/o XX/XX/XXXX that confirms all the required paperwork was received ( again ) but they want a termination letter from the prior contractor that I didn't move forward ( zero costs incurred, I fired the contractor due to their inability to follow through with documentation on the work they WOULD be doing ) with and I terminated the agreement in writing, of which, they confirmed, in writing. I then, sent this termination correspondence to the lender and to-date ; don't have a reply. 

Additionally, I have submitted written correspondence through the same website to document attempts to get a status. The delays have caused damage to the inside of the home because the roof  is damaged from the hail  and I can not get approval to begin repairs. 

The negligence is significant on behalf of the lender - I will no longer stand by and allow them to manipulate a process they create and then simply ignore and abuse it.

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 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Acct info : Reserve - short-term savings XXXX - {$390.00} PNC says they will close my account - This is the acct that I use, this is my only acct - how will i pay my rent, how will i pay my bills, I tried to work things out with them but they refuse. 
Can you help I'm currently a XXXX and I have really tried to call, and speak with the reps, I've tried to email the manager - No response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: CT

Complaint narrative:
We recently sold our home and the XXXX mortgage company has yet to provide a closing statement. The proceeds are being in held in escrow without any communication. 

Myself along with my attorney called the company several times along with sending communications. 

The closing was scheduled for XX/XX/19 and was pushed out many times thereafter. The closing was finally held on XX/XX/19. 

The name of the company is Statebridge Company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Bank of America, I previously notified you that I am a victim of identity theft, and requested that you do the following : Investigate unauthorized transactions on my account Cancel my card Issue me a new card and account number, and Restore any funds withdrawn from my account without my authorization. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. My XXXX account was used for the following unauthorized transactions : Account Number : Charge : Date : XXXX {$700.00} XX/XX/2019 I did not authorize anyone else to use my card in any way. 
I am notifying you of the above unauthorized transactions, in accordance with the Electronic Fund Transfer Act. See Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205.6, 205.11. 
I request that you investigate any unauthorized transactions involving this card, including but not limited to those listed above. 
Please cancel my card, issue me a new card and account number, and restore any funds withdrawn from my account without my authorization. Please send me written confirmation of these actions.

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 2019-08-26 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My spouse and I filed a chapter XXXX bankruptcy in XX/XX/XXXX which did NOT include our home mortgage to Wells Fargo. Since that time, we have made several complaints to have them repair our credit reports regarding how they have reported our mortgage. The account is current and we have NEVER had a late payment. They have fixed all of the credit reports for my husband ONLY. The following is how they are reporting to the three credit reporting agencies for myself ( we are joint owners of the loan, so they should be exactly the same ). 
XXXX  shows me with zero open mortgage loans. 
XXXX  shows me with zero open mortgage loans. 
XXXX shows me with Wells Fargo Home Mortgage closed, included in a chapter XXXX bankruptcy and a failure to pay in XX/XX/XXXX. 
I received a letter from Wells Fargo dated XX/XX/XXXX with the following statements : " We've determined the account was handled properly and no corrections are needed as no error has occurred. '' " We've determined that we provided accurate information to the consumer reporting agencies and will not be making any adjustments ''.

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 2019-08-26 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: TX

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
We had fallen behind on payments, and had set up a payment arrangement via the chat feature, and video recorded the entire chat. Once this agreement was in place, the company repossessed the vehicle while my wife was at work. We specifically asked in the chat if there was any further action that we needed to take, and were told there wasnt. Upon speaking with the bank, they notified us that the decision of whether or not this was unlawful was up to upper management, but will not let us speak to a supervisor and has told us that only an attorney can speak to them. We felt that we were promised by setting up this payment arrangement, that we were safe from repossession, and are now finding it difficult to talk to someone who can make this decision within the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase has not responded to the suspicious activity I found on cards opened and closed in my name as per my XX/XX/XXXX credit report. The XXXX card opened in XXXX used an email address of XXXX and an address XXXX XXXX XXXX XXXX CT that was not mine or one I lived at. XXXX XXXX owns that email and used this card to embezzle funds from Chase to himself possibly posing as the merchant vendor. Please review the XXXX transactions on this card from the date it was opened in XXXX until I found it in XXXX and knew nothing about it. You are being scammed and sending money to a person and not to XXXX. Please review the transactions from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
Dear CFPB/ MADAM/SIR : I received letter dated, XX/XX/XXXX, From debt collection bureau. they are asking for me to pay them {$57.00} From : XXXX Hospital, date of service was : XX/XX/XXXX. I was at that time 3 days in the hospital for sickness matters. The Total Amount of the Bill was PAID bye my insurance, MEDICARE pay XXXX hospital over $! .000.00 PLUS. Hospital was already PAID in full, and I DO NOW OWE ANYTHING to either or none of them. Thank you. Very Truly Yours. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I told XXXX XXXX not to contact me via mail or telephone. I also the same from XXXX who XXXX XXXX told me was a debt collector but now they are switching to XXXX XXXX to have me sued. I have received threats of being sued. I do not have a permanent residence nor a job and can not pay this debt. I have already told the collectors and courts this information. Give me a job and I would pay but Until then I do not have a residence of my own. I just dont appreciate being threatened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. 

This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : XXXX # XXXX. Date Opened XXXX. Balance {$0.00}. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

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 2019-08-26 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: FL

Complaint narrative:
It's not my inquiries, i never applied for this companies. I don't recognize any of this inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-26 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TX

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-08-26 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: TX

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-26 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: FL

Complaint narrative:
Experian is reporting incorrectly a charge-off in the amount of {$7700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 5 attached from my credit report. ) This vehicle was in a car accident and was deemed a XXXX XXXX and the insurance company XXXX XXXX   the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this, however I have not been successful.

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 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a dispute on a charge for {$73.00} on XX/XX/19 for XXXX I disputed this with Capital one as being a fraud case of shipping a XXXX cent item when I ordered XXXX XXXX XXXX of XXXX ad. It seems to be a bogus company that has defrauded many consumers. There is no contact number or website anymore. I reported this to capital one or help. Again Capital one has not help me on fraud case. I received a letter from Capital one today case number XXXX Account Ending in XXXX that they requested additional information, which I never received a letter or email from Capital One requesting more information since I made the complaint. I feel every time Capital One has an issue with a bogus company or trouble contacting the company in question, they just send a standard form letter saying case closed and we are reapplying the charges. I want this to stop and have Capital one make it easier for consumers to fight back. I want my charges removed at once since I did not receive my item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
The calls were from XXXX. The name I was given was XXXX XXXX. They were starting they working with the XXXX district attorneys office and have issued subpoenas and have warrants for my arrest for a unpaid debt for toll roads. I did get suckered into paying over {$400.00} dollars to XXXX that I will have to dispute with my bank. They were extremely aggressive and were pretending to be part of the XXXX Police department as well. I was finally able to get in touch with one of the XXXX detectives and he was able to run my background ( found nothing ) and then attempted to contact these scammers and they would not talk to him and started to hide and not answer their calls or mine. They did have a lot of information about me but they had all my old info from prior to my move.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's not my inquiries, i never applied for this companies. I don't recognize any of this inquiries.

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 2019-08-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's not my inquiries, i never applied for this companies. I don't recognize any of this inquiries.

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 2019-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been receiving daily calls from XXXX from a " XXXX XXXX '' whom leave messages on my phone threatening me with multiple civil cases if I do not pay XXXX to them for a credit card I had from over 7 years ago. The debt in question is no longer reported on my credit and is past the statute of limitation. I brought this up to her and she said it didnt matter as they intend to sue in civil court over a " breach of contract '' I wont validate the debt because that number is not only inaccurate but older than 7 years. I have asked her multiple times for the name of the " legal firm '' she represents and the only information she will provide is " XXXX  XXXX ''. I have not been able to validate the company, she refuses to provide me a street address for the company, and would not transfer me to a supervisor once I asked. She becomes argumentative when I ask them for information and has yelled and disconnected multiple calls when I refuse to speak with her and demand to speak with someone else. When I call her number the message does not provide a business name and I am beyond stressed about the continual daily legal threats.

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 2019-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I, XXXX XXXX currently have a modification/forbearance agreement with Wells Fargo Home Mortgage. The original loan modification began on XX/XX/XXXX which I maintained compliance in making monthly mortgage payments. My income was reduced following my retirement in XX/XX/XXXX but I continued paying all mortgage payments until hardship from a fixed income began to incur in XX/XX/XXXX. At that time, while I was still in my modification agreement, I requested mortgage assistance from Wells Fargo Home Mortgage and was approved for a forbearance agreement on XX/XX/XXXX for twelve months that ended XX/XX/XXXX. Now that I am fully retired and not currently working and I need to readjust my mortgage payment, Wells Fargo is forcing me into a short sale on the property as my only remedy. My true intent is to keep my home and I am struggling to do that following the forbearance and furthermore, I believe this is form of discrimination. I know that Wells Fargo is definitely in breach of the contracts. They are intentionally taking my home ownership rights as well as my due process and I am asking for your help.

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