vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
A tree fell though our house six weeks ago. Because we still have a mortgage with PNC, the insurance agency wrote the check to both us and the bank. It has been five weeks that PNC has had the check. 
They sent us a " document Package '' containing all of what THEY require before they will give us the money to stabilize and rebuild our home. PNC has never contacted us to inform us of any issues with the documents. 
We have contacted them at least twice a week to see when we can expect the needed funds. EVERY TIME we have contacted them, they claim one of the required documents is not right. We have always instantly responded and uploaded the changes or requested information. We have begged, requested and demanded that they tell us exactly what we need to submit and for five weeks, EVERY TIME WE CALL, there is another issue. We have escalated our concern to highest level of management today but do not expect any resolution soon. 
We have spent thousands of dollars of our own money to help stabilize and reconstruct our home. We just opened another line of credit so we can purchase supplies for the construction company. The construction company is now threatening to move on to other projects because of the financial delays. 
We also now are dealing with mice and other animals that have decided to live in our walls. 
The insurance company is requesting explanation for delays as they are paying for us to live in a hotel room. 
PNC delay is also causing further deterioration of our home. 
My wife and I have experienced emotional and physical issues because of their behavior. 
They have all the needed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, I was contacted by Chase concerning a debt that I owe on a credit card opened in my name. The credit card issued is not a card that I have ever possessed nor applied for. The account was fraudulently opened under my name. When I contacted Chase they stated that the card had been issued in XX/XX/XXXX and the account was bought by another company for collections. They then provided me with a phone number to contact regarding the account. When I called the number there was not an operator nor a legitimate company answering system. It was an recorded advertisement. I have contacted the FTC to report the fraud as well as XX/XX/XXXX. And now have put a freeze on my credit report throughXX/XX/XXXX. What are the next steps in removing the account from my name and reporting the Identity Theft? I would really like to have the account absolved from my name. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I went to Wells Fargo and asked if I could skip a payment because I had several medical bills. I spoke with XXXX XXXX. I agreed to pay {$400.00} more a mo. from XX/XX/XXXX to XX/XX/XXXX. I paid for XXXX on XX/XX/XXXX. I received my XXXX statmt and it showed my reg. pymt. I called on XX/XX/XXXX and spoke to XXXX and XXXX. The call was recorded. They told me the loan was paid and I had {$740.00} in a suspense acct.that I could use for my XXXX pymt. I only had to pay {$300.00} for XXXX. My XXXX statmt. showed 2 mos.late. I called and spoke to a supervisor, XXXX. She said XXXX and XXXX were wrong and I still had to pay my regular pymt plus {$400.00} extra in XXXX. I told her I had already paid other bills and only had {$300.00}. I asked her to listen to the recorded phone conversation I had with XXXX and XXXX. She said they were wrong and I still had to pay. They also reported to the credit bureaus that I was 3 mos.late with my mortgage. This isn't true.

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 2019-05-24 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: TN

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. (  Please see pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXX XXXX XXXXXX/XX/2018.  Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: LA

Complaint narrative:
As of XX/XX/2019, RGS Financial has contacted me 11 times during the month of XXXX   using an autodialer. Dates and times are as follows : XX/XX/2019 - XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX  XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX   XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX XX/XX/2019 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This complaint is in follow up to complaint XXXX which was closed by the CFPB onXX/XX/XXXX when Wells Fargo Bank gave instructions on how to have my bank, XXXX XXXX XXXX, reclaim the funds {$42.00} on check # XXXX that Wells Fargo Bank deposited into the wrong account back on XX/XX/18. On XX/XX/XXXX, my bank representative, XXXX XXXX, followed step 1 as noted in the attached letter. I was present when she made the phone call. She was informed Wells Fargo Bank would fax a form to reclaim the funds within 24-48 hours. The form was received on XX/XX/XXXX. On XX/XX/XXXX, Ms. XXXX faxed the completed form to Wells Fargo Bank. I just spoke with Ms. XXXX by phone and to date, XX/XX/XXXX, the funds have not been reclaimed by XXXX XXXX XXXX to be returned to my account. This is not satisfactory. I have emailed XXXX XXXX, the Wells Fargo representative who was handling my complaint about this delayed return of funds, but have opted to file a new complaint with the CFPB.

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 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was attempting to purchase new wireless service from XXXX. I have credit freezes with all three credit agencies. I went on line and successfully places a request to temporally lift the freeze and was successful with XXXX XXXX and XXXX. Experian refused to lift the freeze without explanation. I was unable to reach a representative at Experian for assistance and an explanation. The toll free number only offered me auto assistance and a response that I had to re submit my request in writing, via letter, to them and they were not going to respond to any correspondence. I then placed an order with XXXX, which was rejected due to the credit freeze from Experian. XXXX kept changing their story, saying there was a credit freeze, or a frozen file, credit, or a credit lock, but that they could not obtain my credit because Experian was blocking access to all credit, including XXXX XXXX and XXXX. I believe this is a violation of the Fair Credit Reporting Act. Experian should not be able to have service denied to me without explanation or appeal, and should not be able to block access to other credit reporting agencies.

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 2019-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pendleton Capital Management
State: NY

Complaint narrative:
XX/XX/2019 XXXX I received a call from a company claiming I have a debt that needed to be solved or legal action will be taken from a number them. 
XX/XX/2019 XXXX received the same call XX/XX/2019 XXXX again received the same call I decided to look up the number that was continuously calling me threating legal action, taking I have never seen this number before or have never been contacted by this number and most of the claims are harassing claims. 
The XXXX  reports within this company are horrible and several people claiming false legal action among them. 
I found 90 claims that most have said they have no debt and this company is calling harassing people. 
XXXX was the number I was contacted on and afraid of pressing 0 as they tell you to. I didnt want any of my personal information or personal things within my phone being obtained from a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital - XXXX - Is reporting on my credit for a debt I do not owe. It was sent to collection in error and it has already been paid. 
I never received a notice regarding this, I only saw it on my credit report. This is in error!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  and Transunion are reporting an incorrect coding of the XXXX/XXXX  partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
At the end of XX/XX/XXXX I refinanced my mortgage with Ditech. They received the wire to payoff my mortgage ( which was sent by the title company based on their payoff instructions ) on XX/XX/2019. I have the wire operations confirmation. The routing and account number the title company used was correct ( we verified that with Ditech. ) I received a late payment notice on XX/XX/XXXX stating that my mortgage payment was late, I was assessed a late fee, and it still showed the full balance of my loan. The {$250000.00} that was wired to Ditech was never credited to my account. After several HOURS on the phone with customer service I spoke to XXXX who claimed to be a supervisor. He said he has no idea what happened to the wire, but that it was not applied to my account. He said he could not verify that they received it. I asked to speak with his supervisor and he said she was on vacation and there were no other supervisors I could speak to. He said they would try to call me back in 3-5 business days. 
I now have TWO MORTGAGES on the same house, and Ditech can not tell me what happened to my wire ( that I have confirmation that they received. )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: FL

Complaint narrative:
I when to pull out my credit report last year and I found out that I have three account from XXXX XXXX XXXX XXXX which those are not my debt and start sending letter to collection agency and never get any answer  back from them. 
I also contacted Equifax+XXXX XXXX+ XXXX and no answer, trying to resolve this matter but no help from those Credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I recently became aware of a delinquent reporting for a credit card I had a long time ago that Wells Fargo just decided to close one day ( payments had always been on time ). 
This report had not shown up on XXXX XXXX, so I was not aware of the issue until I was applying for a mortgage. 

I immediately contacted Wells and was referred to their Attorney. 

Within a few days, the attorney and I concluded an agreement that was signed by Wells Fargo for payment of the account. 

I sent a Cashiers Check for the full amount of the agreement to the Attorney, The Attorney then paid Wells and wrote me a letter stating that the account was now paid. 

However, the credit reporting agency will NOT accept verification from " a third party '' stating the verification of the account payment MUST come from the reporting entity ( Wells Fargo ). 

When I contacted Wells, they refuse to provide any documentation to me. 
They said Wells automatically updates credit reports on a QUARTERLY basis and I would have to wait until that happened. 

I explained that I just need a letter / verification that it has been paid, so I can close on a house by the end of the month ( 9 days until the end of the month ). 

I then talked to the mortgage company -- they of course were surprised at Wells Fargo 's response. 

So I called them again. This time I spoke with a person named XXXX. 

XXXX said they NOT help me but would treat this " just like they do for for everyone else ''. I would need to just wait until Wells Fargo processed things through their system and reported it in a month or so. 

The fact that I stand to lose a considerable amount of money by not closing on time, was of no importance to her. That was JUST TOO BAD. 

She repeated and rudely stated that they NEVER provide letters or documentation. 
She stated there is NO LAW that forces them to do and she was not going to do anything to help. I asked if I could have the credit reporting agency contact her -- and she said NO. they would not talk to anyone or verify it with them. 
Again, I could contact or report it to any body I wanted, but she would not do anything to help and there was no law in the country that could make her do it. 

She repeated that Wells Fargo treats everyone the same and you just have to wait for as long as it takes. 

She agreed that she could see that the payment had been made. And it would be reported within the next few months. Have a nice day.

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 2019-05-24 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I emailed the company ( DailyOm ) 2x to ask them to issue a credit for a class I paid for and didn't wish to take. I sent the first email minutes after signing up for it after I read the outline and decided it wasn't for me. The class is only {$15.00}, but I've read a number of other complaints on line with the same issue, so I'm seeing a pattern. And they never even responded to my emails. I then contacted Barclays, the credit company I used. I called 2x and waited both times 40 mins and nobody ever came on. I tried a third time and after 10 mins I couldn't take it any more.

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 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX on XX/XX/19 has not validated the XXXX account and has failed to respond within allotted reporting time. In addition they are trying to collect on incorrect amount. 


process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: MI

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX, XXXX I have provided Experian with several letters for a method of verification for a bankruptcy and accounts included to be verified. Ive mailed experian letters from the bankruptcy court and XXXX. 
I have provided physical proof in document forms.

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 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I have been contacted by the attorneys for Nationstar Mortgage aka Mr. Cooper. There has been a motion filed to collect a mortgage debt on my XXXX XXXX mortgage. I am currently in chapter 13 and they have filed for a stay. I had no knowledge of nor did I sign anything having to do with that property. No amount of explanation has resulted in anyone listening to what I can prove. I now must incur legal fees I obviously cant afford to defend against this. My father has been dead more than five years a fact that they could easily verify. I am XXXX and in bankruptcy! I consider this unfair prosecution. Im being harassed by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX, XXXX, PA XXXX. The fact that a company that can recover losses on a mortgage via foreclosure and mortgage insurance amplified the unbelievable greed of this company. I may have been related but I am not responsible for a debt I did not incur or know about! Nothing has been done thus far to prevent these kind of unfair mortgage lender practices. 
Sincerely frustrated, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CORELOGIC INC
State: NY

Complaint narrative:
I was notified by XXXX XXXX that a hard inquiry was made on my credit by " CREDCO '' on XX/XX/2019. I did not authorize or consent to this and I do not recognize the company. My credit score has now declined as a result.

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 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received an identity theft notice from the IRS. Of the 3 reporting bureaus, Equifax has by far been the worst one deal with to try and place a security freeze on my credit report. I was able to complete my freeze requests online within minutes for both XXXX and XXXX, but Equifax ( which incidentally also breached all my data! ) has been a complete headache. I've had to call 4 different times to try and get access to freeze my account. My online account credentials won't work due to some sort of system issue on their side, and when i call to try get help, they send me through a useless password reset loop that doesn't resolve the problem. I was finally able to get the freeze set on the phone after multiple tries, but I anticipate another battle with their 'customer care ' team when I need to unfreeze my report at some point in the future since I can't get into my own account on their website, and no one seems to be able to help me. Horrible experience with their customer care team, especially since they should technically be better than all the rest now from a systems perspective after losing all my data!

Company response to consumer: Closed with explanation