vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: MD

Complaint narrative:
Company called me stated I owed a medical debt. They wanted me to pay over the phone so it would not go on my credit report. I was contacted by this company on XXXX XXXX which I was informed I had 45 days to pay in order it being reporting to credit report regarding a medical debt. They wanted payment over the phone without any written verification showing a detailed information over the debt owed. I told them no, not until I get something in writing. I asked them to email a letter to my email address the rep stated that was unable to email or provide any documents by mail. By law I told them I would need some type off documentation showing the debt is owed and the payment being provided is accurate. I asked the rep if I make a payment will they be able to provide proof. They said they cant even send proof of payment out to me. They said they dont send letters or emails out. I have called this company numerous time to get the issue resolved. Well, on XXXX XXXX I called and spoke to XXXX representative of this company. This individual has no idea about collection laws. She basically, told me to pay the balance to avoid any other issues I may occur with credit reporting. From my understanding I was thinking the bill was paid in full by insurance company XXXX and XXXX since this was apart of an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: PA

Complaint narrative:
I just today received a notification from PNC that my account was overdrawn, that they had " paid a transaction for me '' even though it was overdrawn, and now it has a negative balance and a fee tacked on for insufficient funds. I called and they told me that it was overdrawn due to the monthly service charge. They sent this notification through the mail, although statements are sent to my email address, and they have my phone number - which has not changed since 2002. The slow notification process is obviously purposeful. 
I told the person I wanted to close the account I have had for nearly 20 years. She said she could not close a negative balance, so tried to remove the fees ( which would leave me with a positive balance ) but could not do so. 
She said that someone higher up would call, but they have not, as we approach the end of business on a Friday. 
This is obviously designed this way. I can not get to the physical branch to resolve this, and they will continue to rack up fees, while telling me that they can not close the account because of the negative balance those fees have produced. 
I need help with this, as my bank simply wants to increase the negative balance, not help me close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank charged me an overdraft fee on there own monthly fee

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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a question on the other fee {$40.00} below from my mortgage statement for XXXX XXXX and they are saying the charge coming from lender department or underwriter contacting and expediting the payoff request document on XX/XX/XXXX and XX/XX/XXXX twice. But my loan application is never expedited and still in process. Please reimburse {$40.00} to me since the mortgage company can not waive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: FL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. Equifax shows XX/XX/XXXX, and XXXX has XX/XX/XXXX and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXX/XX/XXXXAccount # XXXX Account Name : US DEPT ED Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
In XX/XX/2020, after making my monthly PENNYMAC mortgage payment ( VA XXXX XXXX for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement PENNYMAC is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the XXXX I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID XXXX and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX XX/XX/2020 I went to Home Depot in XXXX MA to purchase items for a job totaling approx {$15.00}. Inserted my Home Depot commercial acct card only to be declined. Reason NO payment for XXXX. I had to produce {$110.00} via my debit/MC to pay. I went home checked my payment slip & I did make a payment in store on XXXX XXXX, 2020, have transaction receipt & the statement stating payment received XXXX XX/XX/2020. Called Home depot CS to have fees removed & card unlocked. They said the card has to remain locked till the XX/XX/2020. I argued that it was their mistake why should I shouldn't be penalized. I have been unable to use the card for small job purchases. I am a XXXX yr old XXXX man with a XXXX  XXXX   XXXX to help pay the bills. because of COVID it has been extremely stressful for the 1st 9 months. Now that I can make a few dollars I can't because Home Depot will not unlock the card after providing proof that it was their mistake. I also went to the cashier that took my payment on the XXXX XXXX to find out why it didn't electronically collect on the payment & she stated it was an equipment malfunction, again not my fault. I sent {$110.00} immediately they should have unlocked my card there & then. Home Depot/Citigroup has prevented me from earnings for this time period which have been estimated to be $ XXXX {$800.00}. They allegedly refunded the fees but won't unlock the card till the XXXX. They need to change their policy. If they get an immediate electronic payment that is applied within 24 hrs. Takes 2-3 days for a check to clear why can't my card be valid as soon as they get the payment so not to create a financial crisis worse than it needs to be for a XXXX senior just trying to stay afloat?

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 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I'm dealing with Wells Fargo. Earlier in XXXX, I had opened an account with them based on the huge ad all over their front page saying " get {$400.00} free when you make qualifying direct deposits in your checking account in 3 months. click here to create that account ''. So I created the account, and had direct deposited well over the necessary amount ( they had both a {$3000.00} and {$4000.00} offer, but I signed up at the time of the $ XXXX3 mo. ). When I was wondered where the credit was, I called and was told to call back at another time because no one was able to check the eligibility at that time. This led to me calling them nearly 30 times in the past month, being forced to get checked for eligibility about 5-6 times ( they had determined I was those times, but 'did n't have the authority to process the credit themselves ' ). So they forwarded me to the 'Executive Office ' where I was told I could receive the credit of {$400.00} that Friday ( which is 2 weeks ago now ). Well that payment never came in and since then I've been calling regularly with no help, being told someone would reach out to me within 10 business days each call. Being told my case manager ( which was the one who told me I was getting paid on that day ) wasn't available that day. Then to learn today that I currently " don't have a case manager assigned yet ''. Complete XXXX, I had talked to this case manager multiple times and now they just want to sweep this whole thing under the rug like I haven't been trying to escalate this case for nearly a month now.

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 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Someone else used my debit card on cash app and made charges to my account. No way to get a hold of anyone to take care of this transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax, XXXX, and XXXX  are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Webcollex, LLC
State: NV

Complaint narrative:
I tried to pay this debt my card was ran and then they reversed the payment. They then continued to call me telling they didn't have the payment. I asked them to stop thinking it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I sent a certified letter ( tracking XXXX ) via USPS mail LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC. XXXX on XX/XX/2020 req

uesting VALIDATION not verification on a debt they say I owe to them. The letter was in fact was delivered and signed for. I have received NO RESPONSE at all regarding this matter. I neither affirm nor deny that I owe this debt and under the Fair Debt Collection practices I am entitled to receive validation and other information I have requested in my letter to them for this debt that they have reported to all 3 credit bureaus.
They currently sit with a little over XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and over XXXX with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lien Removal not recorded after refinance. My parents refinanced our house over 10 yea
rs ago from XXXX XXXX XXXX  to XXXX XXXX, and the balance from XXXX XXXX XXXX  was paid off as part of the refinance. However, XXXX XXXX never removed the lien with the county. So when my parents deeded the house to me and I tried to sell it, the escrow company is withholding the proceeds due to this unrecorded paid-off lien.

I contacted WSFS Bank who acquired XXXX XXXX XXXX  over the phone multiple times and faxed the documentation on XX/XX/2020. Their response has consistently been that they don't even have this loan on their system and they needed to research it more. And since this loan was not on their system, they could not issue a " case number '' to keep track of this inquiry. So every time we contact them, they have to restart and " look into it '' again and again. 

My complaint is that this lender ( XXXX XXXX XXXX, and successor, WSFS Bank ) failed to record the lien removal for over 10 years and is causing lost of income/interest from the proceeds from  the sale of the house ( sold in XX/XX/2020 ).

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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My mortgage was refinanced on XX/XX/XXXX from M & T Bank. Every year I would send my mortgage company my tax bill as instructed to be paid. I did not send them my bill as I knew I was going to pay off the mortgage. M & T ended up taking money out of my escrow to pay my taxes on XX/XX/XXXX {$5400.00} even though they knew they were going to get paid off. My new mortgage company paid the taxes on XX/XX/XXXX and my tax collected received the payment from M & T on XX/XX/XXXX and mailed the check back to the address from which it came. I was told by M & T that this was done by wire and that it had to be researched and that I would need to call back in 30 days! I told the agent the my tax collected received a CHECK and that it should be cancelled and a new one reissued to me ASAP and they said that is not how they do things. I called back on XX/XX/XXXX and was told to call back tomorrow as that would be 30 days ... .I called on XX/XX/XXXX and they said they received the CHECK back and that they will be reissuing the check and it could take another 2 weeks ( I still have my account with M & T ). I am very upset as they have been  able to hold my funds for 60 days now with no recourse or plan of action.

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 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX XXXX. I work as a XXXX XXXX XXXX XXXX for XXXX XXXX. BMO Harris keeps calling my work landline for debt collection. I have no account or debt with BMO Harris. They are calling my work number in error. I have asked many times over the past few weeks for them to stop calling this number. Every time I call a " manager '' says they'll remove me from their " List '', but after multiple weeks they still haven't resolved the issue and keep calling.

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 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
On XX/XX/XXXX I went into the Navy Federal Credit Union ( NFCU ) branch located at XXXX XXXX XXXX, XXXX, VA XXXX. I saw a teller to make a couple of transactions. I was paying some bills with the funds coming out of my checking account. I told the teller that I was making a payment of {$100.00} to my credit card and a {$100.00} payment to my personal loan. I told the teller that I wanted to pay my car note but that I was not sure of what the exact amount The teller proceeded to look up the amount that is due and also made it a point to let me know that my car loan was paid up until XX/XX/XXXX and I told her that I was aware and that I was making XX/XX/XXXX 's payment. The teller said ok. At the end of the transaction the teller gave me three slips showing that a payment was made to three accounts but the receipts do not say which account so I thought that everything was done and done  properly. It was not until XX/XX/XXXX around XXXX XXXX  that I realized there was an error because I had received and notification that there was a change on my credit report. So I proceeded to look at my credit report to see what the change was it said that my balance had increased by {$77.00} in interest due to a missed payment. I then reached out to NFCU around XXXX XXXX  to address had been posted to my credit report and it was at that time that it was discovered that the teller had taken my car payment and applied it to the wrong account. The teller told me that they could reverse the payment to the wrong account and apply it to the proper account. I explained to the customer service representative ( CSR ) that the account that my car note had been applied to was now closed because it was paid off. The CSR then told me that I could just make another payment it I wanted to but that since my auto loan was paid up for months in advance that it really would not affect my credit. I explained to the CSR that if that were true then I would not have gotten a notification that there was a change in my credit status. I have tried to speaking with a supervisor and was not able to get any assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
I do not owe Americollect. I never had a contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes

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 2020-10-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing some accounts since XX/XX/2020 with the credit bureaus, but I have not received any answers from them, I want to know the status of my disp.utes

Company response to consumer: Closed with explanation