vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and seen there were some inaccurate and fraudulent accounts that are not mines and will need them to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, PENTAGON FEDERAL CR UN XXXX XXXX, XXXX  XXXX XXXX # XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.

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 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Bought house last year. Received tax Bill XX/XX/XXXX and sent it to mortgage company. Mortgage company did not pay the Bill that was due XX/XX/XXXX. There were 2 bills and they did pay one. Called mortgage company, assured the other would be paid. In XXXX, even though it was due in XXXX. called and spoke with an escalation specialist. Her name was XXXX, employee number XXXX. Called mortgage company several times. Checked with city today. Still not paid, although mortgage company says they sent it XXXX XXXX. In the meantime, the county sent a letter saying if not paid by XX/XX/XXXX, a lien will be placed on my property. Called mortgage company again. Spoke with another escalation specialist named XXXX # XXXX. She said money was sent to another department in their company and then sent by USPS. She could not give me a date or any tracking information. 
Company : Amerihome Mortgage, XXXX XXXX XXXX, XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America sold my credit card debt to an attorney. The attorney filed a complaint in my state to recover the debt. The debt recovery was a settlement. Now Bank of America is providing a 1099-C form to me telling them I owe a debt that they sold off.

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 2021-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: VT

Complaint narrative:
I have a VA home loan serviced by Veteran 's United Home Loans for my primary home. This loan began in XX/XX/XXXX and included a mortgage and escrow payment. 

On XX/XX/XXXX, I received a letter from Veteran 's United that was dated XX/XX/XXXX and stated that an end of year analysis of my escrow account was completed, and it was determined that there was an excess amount in my escrow to start the new year. Included with this letter was a check written to me for {$1100.00} and was dated XX/XX/XXXX. I am not sure why there was a three week+ delay in when the letter and check were created and when I received it. 

I electronically deposited this check into my personal checking account on XX/XX/XXXX and received a message from my bank stating the deposit was accepted for processing. 

When I reviewed my checking account on XX/XX/XXXX, I noticed a chargeback for {$1100.00} plus a fee charged to my account for the chargeback. I contacted my bank to inquire and was told that the chargeback was for the check I deposited from Veteran 's United and that the check " was not good. '' I then logged into my Veteran 's United account to review. I noticed in the payment history documentation of an Escrow Refund check being distributed on XX/XX/XXXX for the amount previously stated. There was also a payment made to the mortgage in the same amount, {$1100.00}. 

I contacted Veteran 's United on XX/XX/XXXX in the morning and spoke with an Escrow Department member. I was told that after the letter and check were generated on XX/XX/XXXX, Veteran 's United realized there might not be sufficient funds in my escrow account to cover my upcoming tax and insurance payments. It was stated to me by this team member, " we decided to stop payment on the check we sent you so we could make sure there was enough money for tax and insurance payments. We thought it would be better than your mortgage payment increasing for the remainder of the year. We actually did you a favor. '' There was no communication made to me in writing, electronically, or via phone call to this action. The team member could not speak to why communication did not occur and told me that there was nothing that Veteran 's United could do for me. I asked to speak to a manager or the team member 's supervisor and was told that one was not available but could call back in the next couple of days. When I stated that this was not acceptable and that I would file a complaint both with the CFPB and my State 's Attorney General 's Office, the team member stated that they actually had someone I could speak with. I was on hold for several minutes, and the team member came back on the line and stated that the manager was not available but would contact me by the end of the day. Over 24 hours later, there has not been a phone call from Veteran 's United.

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 2021-01-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I called Synchrony Bank on XX/XX/21 to close a CD. I was told it would take 3-4 days before the account could be closed. I challenged this delay, but got nowhere. Three days later, I got an email saying my account was closed and the money had been transferred. But when checking my other bank account at another institution, the money was not there. My money had NOT been transferred. So, I called Synchrony again on XX/XX/21 and was told it would be 3-4 days before the money could be electronically transferred to my bank. I told them they lied when they originally said it it would take 3-4 days to get the money. They deliberately hold on to other people 's money as long as they can. These people are XXXX crooks!

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 2021-01-28 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Nearly three weeks from today, my nephew and I contacted PHH Mortgage Corporation ( " PHH '' ) to initiate a short sale of my property located at XXXX XXXX XXXX, XXXX, NJ XXXX for which I became owner together with my late husband XXXX XXXX XXXX ( " Mr. XXXX '' ) ( died XX/XX/XXXX ) in the year of XXXX by deed taken as husband and wife pursuant to New Jersey law for tenancy by entirety under N.J.S.A. 46:3-17.2 as displayed within Exhibit A. 

PHH, however, refused to forward me the necessary documents to initiate a short sale by declaring that I had to, first, be granted authority to speak about the account associated with the predatory refinance transaction originated by XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with Mr. XXXX executing the note instrument as the sole obligor, and we both executed the security instrument a/k/a mortgage with even date. See Exhibit B for the mortgage instrument signed by both my late husband and myself on XX/XX/XXXX. 

PHH indicated the required documentation that I needed to execute in order to be consider by PHH to speak about the subject account would be forwarded to me within 7 - 10 business days which have since come and gone, and I have yet to receive the necessary documentation that I requested. 

I believe the tactics of PHH, refusing to speak with me about the subject account and a short sale prior to executing authorization documents ( that I have yet to receive ), when PHH knows ( or should know ) that I am authorized to speak about the subject account for which PHH 's predecessor Litton Loan Servicing LP ( " Litton Loan '' ) acknowledged by rights to the subject property upon : ( 1 ) commencing foreclosure against me and my husband ( on the same day Mr. XXXX died ) on XX/XX/XXXX as owners of the subject property as displayed in Exhibit C ; ( 2 ) offering me a modification effective XXXX XXXX as displayed within Exhibit D ; ( 3 ) taking from me and cashing approximately {$16000.00} in payments from XXXX XXXX through XX/XX/XXXX as displayed within Exhibit E ; and ( 4 ) addressing me in communications dated in XX/XX/XXXX through XX/XX/XXXX regarding the subject account as displayed within Exhibit F. 

Furthermore, PHH is now treating me as if I have no rights and / or ownership of the subject property, and no right to speak about the subject account despite : ( 1 ) commencing new foreclosure proceedings against me in XX/XX/XXXX as an owner of the subject property and executor of the foregoing refinance mortgage on XX/XX/XXXX as displayed within Exhibit G ; and ( 2 ) procuring final judgment against me in XX/XX/XXXX as an owner of the subject property and executor of the foregoing mortgage as displayed within Exhibit H.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
I had a deferment on my auto loan from XXXX, but XXXX XXXX reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with Experian and contacted XXXX XXXX who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with XXXX XXXX being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with Experian, but their online service is refusing to take additional information from me.

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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: NV

Complaint narrative:
every time I call the so call ed people saying I owe the this debt they keep hanging up on me.i never once received anything in the mail saying I owed the multiple debts.. and there are 2 collection agency 's trying to collect a debt from the same place it seems like everyone I check my credit new accounts pop up and places I never herd of or scene and I have medical insurance amcol systems inc {$3000.00} opened XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX  {$1200.00} opened XXXX online information {$1100.00} opened XXXX XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX {$710.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} opened XXXX XXXX XXXX XXXX {$210.00} opened XXXX XXXX XXXX XXXX  {$130.00} opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: NY

Complaint narrative:
Hi, I was contacted in XX/XX/XXXX by XXXX XXXX XXXX regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from XXXX XXXX XXXX  for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: AZ

Complaint narrative:
Hello, I hope that my message will not be ignored. The listed items are completely inaccurate and incomplete and is a very serious error in reporting. Please delete this misleading information! These wrong items killing my plans and planning in general ... I do not recognize this account as for two inquiries I have never gave anybody permission or I have never authorized something like this, please take appropriate actions and remove them all - I am victim of identity theft for sure.

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 2021-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello My name is XXXX XXXX, on XX/XX/2020 Arizona Department of Economic Security gained access to my Bank of America pre-paid debit card. They used that access to take {$2600.00} in funds without permission. I have called Bank of America on several occasions and I have called Arizona Department of Economic Security a total of fifty times in the past seven months. I have gotten no response from DES regarding my issue. I am still receiving unemployment from DES to this day. They have verified who I say I am they just have not given back the funds they stole.

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 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
I was charged a contract termination fee from a wireless company 10+ years ago even though I was no longer under contract with them. This amount was sent to a collection agency. I contacted the wireless carrier and the issue was handled but the collection company continues to send me letters/bills for a {$500.00} balance that is no longer owed. I have told them repeatedly that this is inaccurate and that the debt is not valid. They then send me copies of old cell phone bills showing the amount billed even though it is not accurate. This collection no longer shows on my credit report and they continue to ignore requests for them to stop contacting me, especially since it is well past the statute of limitations in Texas where they can take any further action towards me. Also, the most recent letter shows that the original creditor was the wireless provider and then current creditor as XXXX XXXX XXXX XXXX XXXX but the letter is addressed from Credit Control LLC ... which gives the appearance that they just continue to sell my information.

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 2021-01-28 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: GA

Complaint narrative:
Equifax, XXXX, and XXXX  are reporting erroneous accounts. I have attempted to dispute these with the bureaus through the past year but no validation has been sent to me. 

Certified mail slips for the attached letters below. 

XXXX XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
We closed escrow on XXXX and the Loan with Lakeview XXXX was paid in full. I contacted them on XXXX ( I was able to get through ) regarding the payment they drafted on XXXX ( which was now and overpayment ). They assured me I'd get my payoff notice, reconveyence and my overpayment within 2 wks. We got the reconveyence but no . When trying to call they do not have a LIVE person options stating busier than ever and you immediately get routed to their Automated System which only tells me my loan is paid in FULL! My issue is 1. They do NOT have any option currently to get through to a LIVE person and 2. It's well over 2 wks and still NO . If only they would answer the phone we might could resolve this because then they could tell me that my ck was in the mail, etc. Their letter says refunds/overpayments sent 10 business days after close. The letter indicates XXXX today is XXXX and NO $

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 2021-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
I am using the Robinhood app and was trying to purchase some more XXXX stock. I dropped {$100.00} on that yesterday and saw the prices were lower so I wanted to purchase some more today. When I logged in, I discovered that they are only allowing the sale of XXXX and NOT the PURCHASE of XXXX. This is absurd to me and seems like price fixing or market manipulation at the least. I find this woefully unacceptable and feel I have been scammed into a loosing position now by Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: AR

Complaint narrative:
I received a notice from XXXX that I had tried and opened a banking account at PNC bank on XX/XX/XXXX and XXXX, XXXX. I have called the bank 4 times and still have not heard back from the fraud investigators department. I do not live near a PNC bank nor have I ever tried to open an account with them. My social security number and date of birth is being used to open this account. I have not given anyone the permission to use my information for any reason. I have filed a police report with my local authorities, put a fraud alert on all credit reporting agencies and am working on credit freezes

Company response to consumer: Closed with explanation