vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Company Inquiries : XXXXXXXX XXXX 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 2020-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, I noticed on routine review of my checking account and online bill pay account, that an unauthorized and unrequested payment in the amount of {$5800.00} had been sent by check to XXXX XXXX XXXX. I called the customer service line at Chase and was told I needed to speak to the " claims '' department, and was given another number to call, which I did. After nearly an hour of wait time, the representative told me he was only authorized to deal with debit card fraud and I would have to wait for another agent. Within minutes, the line disconnected. I called again and after 45 minutes reached another representative to whom I explained the situation in detail, including telling her that Chase had sent the {$5800.00} by check and asking her to stop payment on the check. After 10 minutes of " checking '' she returned to my call and informed me the charges " would be reversed '' and the credit would post to my account within 1-2 days. 
On XX/XX/2020 I received a form letter from Chase identifying the XX/XX/2020 date of my inquiry and identifying it with Claim Number XXXX. " Here 's what you should know : As we discussed and agreed, no action will be taken. This inquiry is now resolved '' Shocked, I contacted Chase Claims department by phone on XX/XX/2020 and asked to speak to a supervisor, who gave his name as XXXX and informed me he had no Chase employee ID for identification later. He reviewed the inquiry and agreed to stop payment on the check. He indicated that if XXXX XXXX XXXX cashed the check and refused to return the money that Chase would not be responsible. When I asked if he thought this was reasonable, given that I had asked for stop payment on XX/XX/2020 and that the conversation on that date had been recorded, he answered " yes ''. 
He further suggested that I contact XXXX XXXX XXXX myself to ask them to return the check. And when I asked that Chase acknowledge the change in the status of my inquiry in writing, he stated that no additional letter would be forthcoming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 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: FL

Complaint narrative:
I HAVE HAD WELLS FARGO SECURED CREDIT CARD SINCE XXXX. I MADE ALL PAYMENTS ON TIME FOR YEARS, UNTIL XXXX OF XXXX. I END UP MAKING 1 LATE PAYMENT, REASON BEING, ILLNESS TO XXXX, WHICH CAUSED ME TO BE OUT OF THE WORK FOR A PERIOD OF TIME. I CALLED A FEW TIMES TO SPEAK TO A MANAGER ABOUT THIS. THEY PRETTY MUCH DID NOT CARE. YOU WOULD THINK BEING A LOYAL CARD HOLDER FOR 5 YEARS WITH ONLY 1 LATE PAYMENT THEY WOULD BE ABLE TO HELP ME. THIS IS MAKING IT HARD FOR ME TO START BUILDING MY HOME. THE UNDER WRITERS ARE TOUGH. IF I WOULD OF NOT GOTTEN SICK. I WOULD OF NEVER GOTTEN THE LATE FEE. I THOUGHT CREDIT CARD COMPANIES TRY AND WORK WITH CONSUMERS THROUGH TOUGH TIMES. I HOPE THEY CAN UNDERSTAND WHAT THIS IS CAUSING. I AM PERSON WHO LIKE TO PAY THERE BILLS ON TIME AND COMMUNICATE WHEN I AM HAVING AN ISSUE WITH PAYING ANY BILLS.

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 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I need to be able to connect my banking accounts to my stock trading account so that I can transfer funds safely and electronically

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NY

Complaint narrative:
The collection agency told me if I paid XXXX this would resolve my XXXX  account as paid in full. I paid the money they removed it for a year now it's back with another company with demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
The requested specific short sale documents were submitted to Specialized Loan Servicing on XXXX and exterior BPO was completed on XXXX. During the process, they requested for additional documents including the ones that were already submitted, so we have to resubmit them. And then on XX/XX/XXXX, they countered the buyer so a value dispute has been requested due to the buyer not accepting the counter of the lender but on XXXX, the lender said that they are going to request for a new value because the current value already expired, so they did not continue to review the file for value dispute. So we waited until the BPO returned on XXXX - they again countered the buyer so the buyer increased but still low compared to their value. So we again resubmitted the documents for the value dispute and while they were reviewing it, they were requesting for documents that were previously sent to them - so again, we resubmitted those and finally the result for the value dispute has returned on XXXX but on XX/XX/XXXX the lender said that the contract was rejected due to some verbiages that we have already submitted to them several times already. So, we again resubmitted the requested docs on XX/XX/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 2020-07-14 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: OH

Complaint narrative:
There is an account listed on my credit report as " XXXX XXXX '' that had a balance of {$4900.00}. I disputed this account with 4 major credit bureaus. Two of the credit bureaus lowered the balance to {$4600.00} while other credit bureaus removed the account. Evidence from court records shows that the balance is {$3200.00} and that I am not the responsible party for this account. However, XXXX  and Equifax are reporting a fraudulent balance and information on my credit report, damaging my credit and ability to obtain financing. XXXX  claims that results are certified from lender. That is a fraudulent certification. The city of XXXX ( Ohio ) is a local government in the United States of America. Their records and legal ruling in the USA take precedence over any records provided by a private organization. Please see enclosed evidence which proves account status is closed, the balance is {$3200.00}, payments from XX/XX/2020 thru XX/XX/2020, and that I am NOT the responsible party. Meanwhile, the credit report shows a balance of {$4600.00}, missed payments from XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Obviously, this is a major violation of the Fair Credit Reporting Act. In order to comply with federal law, it must be removed since I am not the responsible party and the account information is not confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital One is continuing to report a fraudulent account to my XXXX  credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and XXXX  along with my 605b FCRA request to block this fraudulent information from my report. ( XXXX  and XXXX  have complied already ). 

Capital One is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
During the last week of XX/XX/2020 I received a promotional mailer from Citibank offering me up to XXXX bonus miles if I opened a savings account with a minimum of {$10000.00}. The $ XXXX amount would entitle me to XXXX bonus miles if I deposited it within 30 days of opening the account and left it on deposit for 60 days. I deposited $ XXXX on XX/XX/2020 and added {$3700.00} on XX/XX/XXXX. I expected the bonus miles by no later than XX/XX/XXXX but did not receive them. I called on XX/XX/XXXX and they opened an escalation file on my claim, I received a letter from them on XX/XX/XXXX stating that the requirements for the bonus had been satisfied. As of XX/XX/XXXX I had not received the miles so I called again, was on hold for over 30 minutes so I hung up tried again on XX/XX/XXXX. Agent I spoke with said the miles should have been awarded and she thought they would be on XX/XX/XXXX. 

Tried to chat on line 3 times yesterday but a live agent yesterday but after waiting 5+minutes I disconnected. Chatted today and agent told me to call 1-800 number. As of today, I have not received the bonus miles.

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 2020-07-14 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: PA

Complaint narrative:
Our company is applying for a DCID loan.

One of the steps is linking the bank ( PNC ) to the loan using the XXXX app. 
The linking fails, and the loan application is stalled at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
The collection agency told me if I paid XXXX this would resolve my XXXX  account as paid in full. I paid the money they removed it for a year now it's back with another company with demands.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, I received a notice that my city property taxes for XXXX had not been paid. Since then I have contacted the mortgage company twice monthly to get this resolved. I have been told that my concern was in the research dept, I spoke to a representative in the delinquent tax department, XXXX, and she confirmed the taxes had not been paid. She requested I forward an up-to-date statement through their website of what was now owed to include all late charges and penalties. It was confirmed through a a different rep ( when I called again on a later date ) that they did in fact receive it. I have been told that the check is being processed ( that was a month ago ), I again called and the rep was no help. I am in the process of selling my home, the XXXX taxes are due next month, XXXX, may name has been put in the paper for delinquent taxes and I need this to be resolved ASAP.

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 2020-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I receive 3 notifications yesterday in the evening that a dispute was resolved with Experian. I never placed a dispute. My credit score has been in the upper 700 's. When I pulled up my credit monitoring is showed a dispute # XXXX, which again, I never placed. It also would not the results, it indicated I need to contact the Dispute Department. After literally 7 people, 2 rude, disconnected and transferred numerous and put on hold and an automated voicemail picks and states they are closed. I called this morning and spoke XXXX, XXXX, XXXX and lastly XXXX ( extremely rude ). All could not help me, no reason, just that they could not provide any information pertain to this, I asked what do I do, no response but asked if there was anything they can assist with. Yes, I want to know why my credit dropped 29 points in an hour with no reason. No one can provide an answer. 
I have XXXX XXXX XXXX, spent over 3 years rectifying my credit My score has never been below 700 until now, with no reason or explanation. 

I can't get this resolved. It won't show me on my report and no one at Experian can provide assistance or is willing to help me. NOTHING has change on my Behalf. I would d like to place a lawsuit for deformation of character, getting so upset, my XXXX XXXX skyrocketed..

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 2020-07-14 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: RI

Complaint narrative:
XXXX  XXXX is continuing to report a fraudulent account to my Experian credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and Experian along with my 605b FCRA request to block this fraudulent information from my report. ( XXXX   and XXXX  have complied already ). 

XXXX  XXXX is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA.

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 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The complete short sale documents were sent originally to PNC on XXXX but then the POC said that we need to opt out of the DIL first and so we did and we were advised to resend the short sale documents - resent on XXXX. They then requested for missing documents on XXXX and we were able to send them on XXXX. Then on XXXX, they requested for another set of documents and those were submitted on XXXX. And then lastly, they requested for the same documents on XXXX so we resubmitted them right away but until now we still have not heard of an update or progress on the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: VA

Complaint narrative:
Not able to link my account to my stock options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Bayview Loan Servicing has disabled all options to make mortgage payments via online payment or by phone. I have been attempting to make my mortgage payment before the grace period ends on XX/XX/2020 but the website is not accessible and the ( 800 ) number for phone payments claims they are experiencing technical difficulties. I am concerned that this " technical difficulty '' will last beyond the grace period and Bayview will demand a late payment fee. The reputation of Bayview is terrible, according to thousands of reviews and there is reason to believe bayview would not assume responsibility for the inability to make a timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I called and wrote letters to the following companies and to the credit bureaus ( transunion, XXXX, and XXXX  ) and stated that the following inquiries were not valid and I didn't know who authorized for my credit to be looked at. Nothing was done in this manner. Here are the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-14 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I had a debt for 12 months no interest with a company called Regency Financial a part of XXXX XXXX in XXXX, OH. I made every single payment on time not realizing I was only paying the minimum balance as I was told it would clear the debt. I spoke with them and they explained the terms of my loan. I then went in an agreement to make double payments because they required me to call or come into the office every month. Coming toward the end of the loan they tell me I owe much more than I expected because they charged a late fee every month, even though they told me I could double up payments. They never mentioned a late fee. They end up selling the debt to Mariner Finance. At this point I feel scammed so I decide I am done with the deal all together. On XX/XX/2020 I receive a settlement offer while I am Furloughed from my job. 1 month after I start back working I call and speak to XXXX who says that has expired and in 2 months my balance has went up another {$600.00}. I ask to speak with the supervisor and she is rude saying that was only a COVID deal. The next morning I get a call from XXXX who then says he will take XXXX XXXX  off and he will pursue legal action as he can see now I need them so he will not offer a deal. He then laughs and says never mind you live in NC have a good day. I then called back to ask for an email of the new balance that they were requesting and was told that he could not send it to me even though they sent me an original settlement offer.

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 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
In XX/XX/2020 I ordered my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXcredit reports and identified a collection account in the amount of {$360.00} is being reported by a collection agency doing business as Credit Collection Services located at XXXX XXXX XXXX XXXX, MA XXXX. I initially disputed the account with the credit reporting agencies as not belonging to me due to the fact that I have not ever signed any legal contracts or had any credit accounts established with this company. The investigation into the matter with the credit reporting agency resulted in the account being listed as " verified ''. However, I never received any formal explanation detailing the nature of the investigation or a billing statement explaining the charges for the amount reported. On XX/XX/2020, I mailed a debt validation letter to Credit Collection Services requesting the company validate the debt and verify the account information reported to the credit reporting agencies. To date, I still have not received any response or proof from Credit Collection Services validating this debt as mine. Upon further investigation into the collection agencies right to perform debt collections practices in Alabama, I have found that the company is not licensed or registered with the Alabama Secretary of State and is not legally permitted to do business within the state, Ala. Code 40-12-80, which includes any attempts to collect debt. The company is in violation of the Alabama law and my rights under FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation