vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX  XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound

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 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I tried to link my PNC bank account with my XXXX XXXX account, but CFPB prevents me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX of this year I received a email from my current mortgage holder Freedom Mortgage saying I could reduce my mortgage payment and keep the same term on my mortgage. I callled the number and got a Loan Advisor named XXXX XXXX. He said we needed to provide oruXX/XX/XXXX 1099s for Social Security and our 11099s for ouur IRA accounts and to sign the loan documents. The loan promised a.25 % reduction in thhe interest rate on our mortgage.XXXX  got back to us an said our debt to imvome ratio was too high. I tolod him y son paid the mortgage on one the houses on our credit report. Ha asked for proof that my son paid the mortgage and we provide it.He said he uploaded the documents to his underwriting teaqm and he would let me know as soon as he hear back from them. I haven't heard from him since, despite several emails and phone calls to him. In XXXX of this year I got the same offer from nmy mortgage company again. I again called and got XXXX XXXX Loan Originator. I went through the same process as before. Provided the same documents and signed the same loan agreement, On Wednesday XX/XX/XXXX XXXX XXXX said she submitted my file to underwriting and I should here the results by Friday. I haven't hear from her yet, despite emails and phone calls.. 
I have attached some of my correspondence with both company rpresentatives.

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 2020-05-30 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: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I'm trying to use the XXXX XXXX  feature on XXXX  which is a well known app that has no security issues at all and seems 100 % safe, yet you guys do not allow it to work 100 % with PNC. Please let things work with well known, safe companies like XXXX. There is no reason to let these not work and will only push customers away from using PNC for banking purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
To acquire a mortgage through XXXX XXXX XXXX, they need to connect to my financial account through PNC. They use software called XXXX to connect my account instantly. 

PNC does not connect with XXXX  and therefore can not connect with my financial accounts in quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I have a loan with American First Finance - I was making two payments a month for XXXX each. Then I lost my job due to the pandemic - that was in XXXX - on the XXXX. I got a 14 day extension but I told them I was no longer working and if they could accept one payment vs two a month - they said they couldnt change the loan agreement and I would have to send proof that I wasnt working. They constantly call, and hang up all hours of the day and dont leave messages. The only time I can speak to anyone is when I call, and they tell me the same thing - when can you make a payment and tell me they are going to report this to the Credit Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I wanted to deposite money into XXXX  but pnc bank wont connect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/20 the full balance of the account was paid in full. 

On XX/XX/20 an interest charge was applied for {$76.00}. 

On XX/XX/20 I spoke on the phone to a Wells Fargo customer service agent who advised me that the fee would be waived and my account would be credited {$76.00} to offset the charge. 

I waited for some time and saw no transaction reversing the charge. 

On XX/XX/20, I initiated contact through Wells Fargo 's message center. 

On XX/XX/20, nearly a month later, I received a response stating : " Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and it's my pleasure to assist you today. 
I apologize for the delay in our response. 
I received your email regarding the charge of {$76.00} that is showing in your account. 
Our records show that on XX/XX/20, we processed a reversal of the fee. 
You'll see the adjustment on your next billing statement. '' It's now XX/XX/20, and my next billing cycle, and there is still no reversal of the charge. 

The least sophisticated consumer in this case would likely have taken Wells Fargo at their word and assumed the charge would be reversed. This would have created a situation where the account would continue to roll forward in delinquency and impact the customer. This is an unfair or deceptive practice. It's preying on unsuspecting consumers, many of which are experiencing a terrible time financially. It just so happens I actively use and pay the account and have monitored the situation. 

I've now worked through a phone contact, email contact, and a CFPB complaint. My next step will be to consult with an attorney if this is not resolved.

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 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Collection Agency, Caine & Weiner has NEVER supplied me with written verification of this debt from the original debtor, XXXX XXXX. 

On XX/XX/2020, I spoke with a supervisor XXXX at XXXX who explained to me that Caine & Weiner is contracted by them to " manage '' their collection debt. 
Supervisor XXXX further told me that my account is available on the XXXX  website and that Caine & Weiner has access to this information. 

Yet, Caine & Weiner has never provided written verification or sent a link to this information at any time I have requested it. The information Caine & Weiner has sent via mail was a bill, NOT an accounting of payments as I requested. 

Supervisor XXXX at XXXX tells me the account is still active and is not solely assigned to Caine & Weiner, yet Caine & Weiner, a company contracted by XXXX reported they had no access to information regarding this debt. 

Caine & Weiner has lied to me and the CFPD in stating they could not provide an accounting of payments. 

Further, XXXX, informed me that I could pay the debt directly to XXXX making Caine & Weiner 's reporting of this debt to the credit bureaus invalid as they are assigned to " manage '' the debt. 

Either way, I was NEVER provided a written accounting of this debt by Caine & Wiener,  or a contract with my signature validating this debt as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Around the beginning of XXXX, I checked my credit report and the item being disputed had been removed from my XXXX  credit report but has reappeared with a new creditor listed. The original creditor was XXXX XXXX XXXX XXXX XXXX in the amount of {$510.00}. The new creditor is ASSETCARELLC/CAPIOPART. I called the new creditor and was told that the original account had been opened with XXXX XXXX XXXX XXXX  XXXX  in XXXX. However, because it had been completed removed from my account, it should not have been reopened and processed with the date XX/XX/XXXX as if it was a relatively new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX i openedd a new checking account online with Chase Bank with {$300.00} bonus included. On XX/XX/XXXX i received the Debit Card and i activated immediately. The next day i called Chase Bank, because i had a question for the {$300.00} bonus. Their Hostile representative told me that my checking account as been closed without giving me any explanation, plus she put me on hold for 30 minutes on purpose as a punishment. My Report with XXXX, XXXX, XXXX, XXXX  is clean & my SCORE is over 700. Chase Bank proved again that is a Criminal Enterprise , XXXX & Discriminatory Company. Chase Bank should haven't been in business as well as most Banks/Mafia, especially after XXXX. But the XXXX American Government Bailed them out with taxpayer 's money which they never paid back. Even their Bribes to XXXX Politicians was taxpayer 's money. And since XXXX the same Banks are Defrauding consumers & Discriminate against them, as it happened against me now & few years ago by Chase Bank. I don't know if i can expect any positive outcome from CFPB, since it is a Department of the Government that receives Bribes from Banks annually???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I ended up with 3 seperate transactions on my Bank of America Prepaid Unemployment Debit card.

I did not authorize on my government prepaid unemployment card. The card was immediately blocked. Ever since I have not been mailed a new card and have been told that I won't get one until I speak to the risk department which doesn't answer the phone!. I have waited on hold for 2 hours 3 days in a row now. Once the 2 hours hits the phone automatically hangs up on me!! This is my unemployment money ... My only source of income! And I can't touch my money right now or pay my bills!. 
The charges were by Your XXXX XXXX. I have never heard of this company. It is video games of some sort. I have called this company and left messages saying these were not authorized purchases! I haven't heard anything back!! 
I am at my wits end!! I need to pay my bills so my utilities don't get shut off!! 
Please Help!! 

Thank you!! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I've been receiving repeated calls from a call center ( XXXX XXXXXXXX : XXXX ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to PayPal. When I call PayPal their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt : https : XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Of course, XXXX  XXXX  did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of XXXX 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had a linked PNC checking account with XXXX. The link was cancelled with no notice to me leaving me with no access to my funds in my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have had my identity stolen twice since I moved to XXXX  in XXXX. Between XXXX, someone falsely used my information and obtained cable  from XXXX in my name. The cable was listed on XXXX XXXX. However, I have never lived on XXXX XXXX and I don't know anyone that lives on this street. 

A collections agency has sent my letters in the mail attempting to collect money for this XXXX XXXX  bill. The name of the company is called CONVERGENT OUTSOURCING, INC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and telephone number is ( XXXX ) XXXX. 

I have called them many times to explain that I had my identity stolen and police reports to prove this and I have never ordered XXXX XXXX at XXXX XXXX in XXXX, nor have ever lived on XXXX XXXX. They keep sending me letters and now are sending my mother letters in the mail. 

About a year ago, I filed a complaint with XXXX  and had this removed from my credit with them. However, it is still on my XXXX   credit. I would like this removed immediately and if I can not get it removed I would like to file a lawsuit against this company. 

I am tired of this and should not have to keep reporting 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 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote Transunion in XXXX certified mail & no action was taken I resent requesting this be rectified on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive sent XXXX letters requesting all addresses and names be removed from 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 explanation