vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 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:
I applied for refinance with my current lender Freedom mortgage. I left voice mails in XX/XX/2019 for refinance option without any response. I did another time, but still no response. I finally reach out again around XX/XX/XXXX, I finally got a nice gentleman helped me with refinance application. We submitted all documents almost immediately. A few days went by, I didn't hear anything. I reached out to the gentleman helped me, and was told we had a new loan processor. I emailed multiple time and left multiple voicemails to the new loan processor and had no reply at all. I called refinance department and was place on hold for 35 mins, I finally hung up. I called again on XX/XX/XXXX was and told we got a new loan processor, i left her a voicemail, and got no reply again. I called her again and had no answer. I called the customer service and was told to hold for refinance department. I was on hold for another 45 mins and no one answered. It's been a long and frustrating process with no response at all. I believe it's my legal right to request a copy of my appraisal report at least.

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 2020-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
The screen wont load after I add my bank details

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
On or about XX/XX/2020, I submitted a dispute letter disputing information on my credit report to Equifax. Then, on or about XX/XX/2020, I submitted another dispute letter disputing the information on my credit report that was not resolved in my opinion. Finally, on or about XX/XX/2020, I submitted a dispute letter disputing the results of the investigations. I had supporting documents from the company they said that they received the information from. It was a third party company called XXXX. I contacted XXXX, they said that they did not have ANY information on me. I also contacted the court who also was to have supplied information about me. The court DOES NOT supply any information to credit reporting bureaus. I do not feel that Equifax resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A charge to my Citibank account was made early 2020. It was for a flight to XXXX Ga, to cover the XXXX XXXXXXXX XXXX as a XXXX. This was a XXXX XXXX, transportation was paid for by my employer. ( They reimbursed me for the fee ) Covid-19 cancelled the tournament. I told Citibank the airline was refunding the fee, but the money had to go to the bank account on file. I talked to Citibank 3 times during the process, they said it would be taken care of. In fact, on the third call, Sunday, XX/XX/XXXX the rep from Citibank said this would be taken care of in three business days. Nothing. Today, XX/XX/XXXX, the company said it's not their policy to send back money, they reimbursed my account, end of story. It's not my money, it's not their money. They either lie to their customers to get them off the phone or chat or every rep is ignorant or a liar.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of XXXX Bank of America reported a 30 day late to the credit bureaus which is incorrect. I make my payment on time every month. There was a balance that I was not responsible for due to Fraud but I still made my payment. Bank of America confirmed this was an error and said nothing was reporting 30 days late during this period however it still shows on my credit. I requested Bank of America to correct this on multiple occasions with the credit bureaus and when I followed up with the credit bureaus and disputed this inaccurate information they advise that Bank of America confirmed the 30 day late in XX/XX/2017 but when speaking with Bank of America they advise nothing was confirmed and to open a new dispute with the credit bureaus but I was informed a new dispute could not be opened. I am requesting the inaccurate 30 day late reporting in XX/XX/2017 be removed from my credit history

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 2020-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently went online to the Equifax website and as I was logging in I got till the end of login page it gave me a number to call I called the number, it ask to enter in all the correct information as I entered in all the correct information it told me that it would send a code to my phone the code never came, so it sent me to a questionnaire that had nothing to do with my report information/all information was wrong and incorrect so then it sent me to an agent as I spoke with the agent the agent told me that he couldn't do anything until I send in my 3 pieces of identification. When at the end of the day it clearly verified me over the phone and said it was going to send a text message to the phone on file which is my primary phone number my initial reasons for even going online was too dispute some items, I'm pretty skeptical about Equifax and sending them my information because it was stolen/ breached from this company in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH Mortgage acquired our mortgage several months ago. In early XXXX, we received an email to prove that we had homeowners insurance. This was done via fax on XX/XX/20. Additionally, we submitted the information through their portal. We also called PHH and our insurer. At the same time, we received notice that our homeowners insurance from XXXX XXXX was going to expire on XX/XX/20. It was due XX/XX/20 but it had not been paid by PHH. 
After multiple phone calls, a fax and online sumbission - PHH issued payment on XX/XX/20. On XX/XX/20, I contacted our homeowners insurance agent and was told that the payment was still not received. In order to prevent cancellation of the policy, I paid {$2200.00} to XXXX XXXX. As of XX/XX/20 - XXXXXXXX XXXX still has NOT received the payment from PHH mortgage. Obviously, PHH collects money monthly for our insurance. How can they be allowed to not pay the insurance in a timely fashion? And it cost us and extra {$2200.00}. Thank goodness we were able to do so - what about people who would be unable to double pay thousands of dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Just checked my credit score and I see a new collections account with Security Credit Services. The original creditor says XXXX XXXX, XXXX. The alleged amount owed is {$350.00} and the alleged date opened is XXXX XXXX. I have never heard of Security Credit Services or XXXX XXXX XXXX and I certainly have not leased anything. This needs to be removed off of my credit immediately as this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I have tried on several occasions to move funds from my XXXX vault and XXXX vault to my wallet in order to sell the crypto-curriencies and remove my funds from XXXX. The most recent attempt was on Wednesday, XX/XX/XXXX. I have tried from several different devices over the past forty-five ( 45 ) days in hopes that it would successfully transfer, to no avail. I have contacted customer support twice XXXX XX/XX/XXXX and XX/XX/XXXX ). They were unable to provide the help I needed, and stopped communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MT

Complaint narrative:
To : Specialized Loan Servicing LLC/CMC Funding XXXX. XXXX  XXXX XXXX, CO XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at : XX XXXXX Road, XXX XXX, XX XXXXX. 

I have been notified by the XXXXXX County Treasurer that your company failed to pay the following expenses from my escrow account : Property taxes : in the amount of {$1200.00} which was due on XX/XX/XXXX. 

I have been notified by the XXXXX County Treasurer that there are now late charges in the amount of {$24.00} and total accrued interest of {$17.00} XXXX as of XX/XX/XXXX ) for a new total due of {$1200.00} by XX/XX/XXXX. I fully expect Specialized Loan Servicing LLC to pay this added expense on our behalf. 
Please remit payment to : XXXX County Treasurer PO Box XXX XXXXXX XXXX, XX XXXXX A property tax lien is pending on our property and will go into effect as of XX/XX/XXXX if you do not, once again, remit payment on time. Please properly disperse the funds that we have already paid to you from our escrow account to the XXXXXX County Treasurer. 

We have called multiple times in an effort to get you to pay our taxes from our escrow account before the due date was passed. These calls were placed from XXXX through XXXX in an effort to seek a resolution. Our property and names have been published in the local newspaper as delinquent taxpayers due to your negligence and breach of fiduciary duty. This error needs to be addressed well before the deadline of ten days.

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 2020-07-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
account was placed on my credit report as a collection, I disputed with the credit bureau and it came back as accurate, I spoke too many times with the collection agency and they were rude and won't help me or verify any information. 
I called the collection agency on XX/XX/2020 and I asked for the name and he gave me a different spelling name but it's similar to mine.

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 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In XX/XX/2020, I attempted to pay off my car loan with Citizens One bank. On XX/XX/XXXX, I made a payment of {$500.00}. On XX/XX/XXXX, I looked up my vehicle loan online and made payment of {$500.00}. This was the listed payoff amount on my account details, and is listed on the Citizens One page as where to find the payoff amount. At this time, I believed my account was paid off. 
A couple weeks later, I still had not received my pay off documentation. I looked on the website for my vehicle loan, which stated I owed {$0.00}. I immediately called Citizens One and spoke with a representative, attempting to pay the {$0.00} to close the account. I was told at this time, that I owed over {$600.00}. As I attempted to review payments with the gentleman, I was advised that there was only one payment noted to my account in XXXX, when my bank confirmed two transfers to Citizens One for my vehicle loan. After confirming again with my bank, I contacted Citizens One again to provide confirmation numbers for both payments. The next gentleman I spoke with stated payoff amounts on the website do not include late fees and I owed approximately {$380.00} to pay off my loan. He stated that I owed nothing on principle, only late fees. This gentleman was able to confirm that two payments were made in XXXX on this account. We confirmed all payments made this year and he was to send an accounting of my vehicle loan records ( I still have not received ). He stated late fees do not show on the account ( which they do XXXX and that was why I owed {$380.00}. I advised I would follow up after reviewing the accounting. Later that day, I received a call from a collector from Citizens One who provided me a completed different amount that I owed of approximately {$400.00}. 
Today, I tired of waiting for this statement and attempted to contact Citizens One to see what amount I owed that this time. I was told {$600.00}. The website shows that my principle balance is now {$400.00} while my XXXX statement shows a principle balance of {$0.00}. So my principle balance increased by {$400.00} over the last 20 days. I spoke with a representative, who stated my second XXXX payment of {$500.00} was Backed out. However, I never received a refund for this amount and she was unable to explain where this {$500.00} disappeared to. I am also being charged interest on moneys that were already paid to Citizens One. I feel this loan was paid off in XXXX and they are refusing to allow my to pay if off by " backing out '' my last payment and being unable to provide an accurate, consistent pay off amount.They have also now added {$93.00} in " fees '' that no one has been able to explain. If you remove the {$93.00} in unexplained fees and reapply the {$500.00}, there should actually be a credit on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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:
The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX  ( TU ) Names : XXXX ( TU ) Address : XXXX XXXX XXXXXXXX ( TU XXXX XXXX ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX   ) Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  ) ; Bal : {$59.00} ( TU, XXXX, XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC 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 2020-07-22 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:
The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX ( XXXX ) Names : XXXX ( XXXX  ) Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  XXXX ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
Company has called everyday for the past week ( XX/XX/2020 - XX/XX/2020 ). They have called 4 times today XX/XX/2020. They also call in another name - Americredit. I do not have an account with them. My account is with GM Financial. I tried to submit a complaint online but it stated that I had to call. When I attempted to call they stated that they have a very high call volume and to call their remote customer service agents. They call my cell phone and my job. I want them to stop calling me at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My wife and I have a VA 30 year fixed loan with Carrington Mortgage Company at a XXXX interest rate. On or bout XX/XX/2020 I spoke with an agent to discuss a VA IRRL loan for 15 or 20 years. She sent an email to start a refinance application for a 25 year mortgage, they ran our credit reports and offered us a 25 year IRRL Refinance at 2.75 percent withe credits for the various charges outside the principle. We did not want to enter a longer agreement than we owed so we asked for a XXXX or 20 year loan at XXXX withe the same terms that were initially presented to us. We were told that the payment for a 20 year mortgage would be {$20.00} more a month than our previous payment and therefore does not meet one of the stipulations of the IRRL which would be to lower your monthly payment. Because they would not offer us a 15 or 20 year refinance we stopped the application process.I feel that the reason we were denied the 15 or 20 year refinance at 2.75 with the added incentives was not offered because they wanted us to enter into a 25 or 30 year loan. We received a statement of credit denial, termination or change dated XX/XX/2020 and they had the term of the loan as 20 years which we would have accepted initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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:
There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Address : XXXX XXXX Hwy XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX & Equifax ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) ; Status states Included In XXXX ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( Equifax ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( Equifax ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; Opened : XX/XX/XXXX ( XXXX & Equifax ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) SCREENING REPORTS XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 2 TIMES ) XXXX

Company response to consumer: Closed with explanation