vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
Conns has been blowing up my phone 4 to 5 times a day monday thru Saturday. Even when I spoke to them and let them know that I lost my job a couple of months ago due to covid-19 and that I literally had no money to pay them they continued to call my phone numerous times a day. They are causing even more stress to an already stressful situation. And every single agent that I told about my financial situation had the nerve to ask me how I was living when I need to buy food and keep a roof over my head. That is none of their business. Then after asking me that they continued to ask can I at least pay something. It's too much. Even when I had a job they called my job 4 to 5 times a day. I also fail to see how I owe XXXX dollar s on furniture that only cost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Bank will no longer allow XXXX transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In late XX/XX/XXXX, BofA notified my wife and that no mortgage payments for XXXX or XXXX of that year were made. They were made by our bank and BofA did something with the funds that were never credited so with no notice to us, they foreclosed. 
We did not know this until mid XX/XX/XXXX when attorney 's began flooding our mailbox to represent us in foreclosure. 
To further disgust us, a third party investigator discovered that a XXXX law firm they hired to handle court proceedings, purposely changed the FHA loan into a conventional violating every rule possible. 
We were never notified by anyone on anything regarding the loan changes or transfers. 
There is a document uploaded for your review on this.

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 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have tries to reconnect my PNC account to my sons XXXX account and my own XXXX account several times over the last year, even with the help of the bank, but it doesnt work. Thw accounts were connected when I first opened them, but since then the bank has changed something which makes it impossible to link it to outside accounts such as XXXX. This is ridiculous and I will have to get another bank account somewhere else if it is not resolved because I need to be able to transfer money to and from my son 's XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
This company LVNV FUNDING LLC is still reporting this account to XXXX, XXXX  and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report. I dont want this company saying that this isnt me, doing this complaint because it is I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have applied for HELOC with Bank of America. Application was denied due to hidden limitations. Agent stated that right now no heloc is approved unless Bank of America issued the mortgage and you have a checking account with them. I dont match either of those criteria. On the application and during the applying process no statement was issued or warnings were posted that those are primary requirements to be approved. Basically I was applying and running my credit for no reason, since I wasnt eligible from the start. Bank of America failed to provide disclosure conserving limitations and current requirements to get HELOC. I even went to talk to branch, and they referred me to XXXX XXXX who tried to pursuance me to refinance my house and get the cash out. That was not what I wanted in the first place, and I feel that bank of America tried to take advantage of me by not providing full disclosure about limitations, denying me heloc, and pressuring me into refinance and take cash out.

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 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I wish to deposit find from my bank account to XXXX  to be able to trade stocks online. PNC will not allow the transaction to go through. I am being restricted access to my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Ive been using cashapp for years and never had this problem my account was frozen on XX/XX/XXXX then unfrozen a few days later so I thought it would be easier by taking all my money out my cashapp so it wont happen again then a few days later my cashapp froze again but this time for weeks and I tried to get in touch with cashapp through XXXX  they said theyll me with me soon weeks go by no text back I emailed them and still nothing I dont understand why

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I was out of a job from XX/XX/XXXX to XX/XX/XXXX. I missed several payments on my mortgage. As soon as I started working again, I sent partial payments and tried catching up. I decided to try a loan modification with Quicken Loans. I was approved for a modification, put on a payment plan where they said I would skip a month of payment then the plan starts. Find out 3 months after the start of the first modification that it failed. I contacted Quicken Loans, instead of looking into the issue, they put me on another loan modification, set up a payment plan that had me skip a month of payment, then the payment plan starts. Find out later the modification failed. Quicken states there is an issue with my deed. I explain that I refinanced my ex husband off the loan back in XXXX with Quicken Loans. The Account Resolution team says ok, I see that and then put me on yet ANOTHER modification. Same thing as above, this has now happened four times and I just found out that I am now on month 8 of FORECLOSURE??? I have never received a summons or anything saying I am in foreclosures. Quicken refuses to take a payment, and is demanding either a {$10000.00} payment outright or I lose my house. Apparently they were running a foreclosure on me at the same time forcing modifications that will never, ever work because of the errors they made at closing 4 years ago. I tried speaking with several " executives '' however, they are just bullies that deny all accountability. That is literally their job. I finally had to find out myself that Quicken Loans recorded not only the deed incorrectly with XXXX County but my mortgage was recorded incorrectly as well. So, technically I missed three months of payment back in early 2019, but because of all the loan modifications and Quicken forcing me to skip a month of payments ( that could have been made ) to set me up on a payment plan, now makes it look like I haven't been paying. Quicken will not answer me on how to fix the problem they created, their loan modification program is a complete scam and they will try to steal your home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I went to the emergency room as a private pay, non insured individual. on XX/XX/XXXX. The hospital and all associated services/personnel billed as such. All of a sudden in XX/XX/XXXX, amount of XXXX a derogatory collection shows up on my credit reports with NO PREVIOUS BILLING AT ALL. I do not know what the charge is for or how much it was to begin with. I contacted commonwealth finance systems and ask that they remove it from the credit bureaus as we work thru this and they ignored me and put me on a continual call roll .... my phone rings 20 times a day. Each time a different person calling from common wealth, instead of the XXXX individual I was told had my file, all correspondence was sent to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding LLC got a default judgment against me in XXXX, I found out about the judgment in XXXX. Then I filed a motion to set aside/vacate judgment. The judge would not vacate the judgment stating " The he believes that i was served because Midland Funding LLC produced a last minute postal ticket saying that i was served.

I WAS NOT SERVED, I REPEAT, I WAS NOT SERVED. I proved to the judge that I was not even home at that date ( witness affidavit ) and I proved that I was NOT my signature, I tracked the ticket and the ticket showed Nothing as I was " untrackable ''. Though the judge believes the Process server as Midland claims they got the Postal ticket from the Magistrate who issued the default judgment. I need help here as I'm feeling very cheated because I was never served anything to appear.

My i also mention that Midland Funding LLC has violated almost every FDCPA & FCRA in the book, i proved/showed the judge over {$12000.00} in violations by them and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I made an international transfer from the XXXX to XXXX with wells Fargo as the intermediary bank on XXXX of XX/XX/2020. Wells Fargo has held up the funds for no reason and re not responding thereby delaying XXXX for my cousin

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 2020-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My name is XXXX XXXX. My XXXX score is XXXX. I strongly disagree with this score as it should have been more than 800. I have never been a defaulter & my all past records are good. I want clarification of having poor score.

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 2020-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
In correspondence dated XX/XX/XXXX, a third-party debt collector calling themselves the MEDICAL REVENUE SERVICE contacted me about an unspecified charge of XX/XX/XXXX. My wife called to determine the subject -- a ten minute XXXX visit XXXX years ago. I have received no outstanding balance statements from the provider since. I previously paid a XXXX 's co-pay amount determined by the front desk staff before even seeing the provider and for which XXXX XXXX was already paid by my insurer XXXX XXXX. This erroneous collection effort is harassing and unfounded. Please refrain from further contact falsely representing the status and amount of this alleged debt.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have an issue with reviewing my credit information on my report since I am member. 
Attempt to call and no resolution getting a live person

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 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Collection was removed and reinserted multiple times by a few companies as well as re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
I received this email and I have no outstanding debt with the company :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: NY

Complaint narrative:
In XX/XX/2020 Covid 19 Started .... At the time I was working with XXXX XXXX XXXXy. I filled out paper work to have a forbearance. It was agreed upon with my payments being deferred to the back end of my mortgage. I didn't worry as much. About 3 months in when I was going to start my mortgage back up I find that the note was sold to Gregory Funding. I reached out to this company to make sure everything was still in order. I was told they don't do deferments and full payments are due. That was close to {$10000.00} We don't have $ XXXX to pay upfront and now. And we can't afford to add principle onto current mortgage. I checked to see if the note was still backed by XXXX or XXXX and find out its no longer back or protected with the Cares Act.. As a consumer what can be done. I find this act of selling mortgages last minute is so unfair to the consumer. So I am trying to borrow funds from family members to get this done so I don't lose my home.

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 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Collection was removed and reinserted multiple times by a few companies as well as re-aged.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
State Farm Credit Card was open as identity fraud please send me all the documents and proof of suffocation it was put in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX case number : XXXX There is currently an inaccurate bankruptcy on my credit report that I have disputed with you many times and you have filed to remove it. I have contacted XXXX and they informed me that they have requested that you REMOVE THIS ITEM FROM MY CREDIT FILE. and it is STILL THERE. 
As you can see, I have enclose a photocopy of this letter and at this time you are in violation fo the Credit Reporting Act ( " FCRA '' ), I am requesting that the following bankruptcy be removed immediately!.

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 2020-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have submitted my XXXX loan forgiveness application. I worked from XX/XX/XXXX to XX/XX/XXXX at a low income school as a XXXX XXXX. My XXXX signed off to the fact that i fulfilled my contractual dates for 5 years completed at the XXXX XXXX. Due to the corona virus i left my school district in XXXX in order to keep my family safe and in tact. My loan borrower, navient, denied my application and will not allow me to appeal their decision. They are also still taking out automatic payments and incruing interest with the corona virus going on. All i really want out of this complaint is for them to forgive XXXX of my student loan for working as a science teacher in a low income school for the equivalent of 5 years that my XXXX signed off on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
My credit was ran twice by the company Mariner Finance without my consent on XX/XX/2019 and again on XX/XX/2019. 

I had an account with this company so they had no reason to run my credit again without asking me with is illegal.

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