vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 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: TX

Complaint narrative:
Equifax is reporting incorrectly a collection/chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: LA

Complaint narrative:
I decided to get my credit pulled due to a couple of bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$760.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
This is NOT even for me. It is something apparently in my husband 's name. He would NOT identify himself and what company. I had to look up the number. I refused to give him any info and I was then threatened numerous times including showing up at my home and my place of business as well as my husband 's employer. I told them they had no right to harass me and he continued. It is against the law for him NOT to identify himself and threaten me. The only solution is to pay for the phone call and for threatening me. I will not accept ANY less. I told him to stop and he continued to threaten and NEVER identified where he was calling from. Nasty, nasty man in violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I reached out to my current lender who is presently holding my mortgage, to explore options for refinancing with them. I initiated the first contact with them on XX/XX/XXXX. After several delays and standing me up on a couple of meetings, the loan officer finally connected with me on XX/XX/XXXX. He sounded pleasant and eager to get my business and got all my details ( including my personal details, income, assets, property details, ssn ). He ran a credit check on me and my wife. Then he offered me 3 options ( interest rate for a portfolio, Interest rate for selling to agencies, Interest rate for selling to agencies with no closing costs except appraisal ) with a interest rates ranging from 2.375 to 2.875 % on each of these options. He told me to apply online if i am interested to take this forward. I filled up the application with them online onXX/XX/XXXX. The  loan number was created online and the interest rate in the system showed a different rate ( 2.75 % ) completely different from what we earlier spoke. I emailed them indicating this, and got a reply on XX/XX/XXXX, that i am eligible for the same rates and options that I was originally offered and there should be some system glitch. I responded to the email that I am choosing the portfolio loan ( 2.375 % ) and asked them to update their system and send me a loan estimate so that I can compare their offer with the other lenders and make a decision. They had not corrected the rate in their system nor given me a loan estimate till date ( its more than 5 business days since my application ). 

I followed up with them over emails twice last week as well as I called the loan officer and left a VM on Friday and i have not get any return call yet. 

I got an email from their processing team on Saturday XX/XX/XXXX asking me for documents and next steps for underwriting. I was baffled and told them that I have not even got the Loan estimate nor given them any confirmation to move forward. I requested them to cancel my application expressing my disappointment and explaining the situation. The processor acknowledged my email today XX/XX/XXXX copying the loan officer thanking me for the feedback. Till now I have not got any Loan Estimate from them.

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 2020-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC

Complaint narrative:
Never wanted our mortgage Servicer to change to Fay Servicing from XXXX XXXX. I read bad reviews & complaints about Fay Servicing. Always, constantly having issues. XXXX kept payment & kept trying foreclose & put my name on foreclose several times on court records, when mortgage was in modification. I was told that they only start at 5 % with modification when ours was 2 %. Then they told me I had get / pick own ins. So I did, then they forced place insurance making payment go up. When talk to representative Im told their placed ins taking off but when transferred to customer service told 2 forced placed ins and caused problem to run modification payment higher & messed up escrow. Figures not add up & charging wrongful fees. Our modification payment should be XXXX not XXXX. I feel they are wrongly forcing insurance & not honoring modification guidelines. I feel deceived and hard trust their practices. Consumers deserve be treated fairly and no extra cost when trying get only home paid for without added fees & wrongful cost. Fay servicing already been sued for same forced place insurance & wrongful practice that still engaging in and wrongfully putting on me & other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX didn't allow me to link with PNC bank. Please consider allowing a policy to link the app with a bank. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Since XX/XX/XXXX I got a. {$3000.00} dollar loan from going to a business college I had been exepted but? I had no business being there because I was a dropout freshman from high school and had no idea what in the world I was doing at all? So, I dont know why for all these years I've had my income federal income taxes taken from and nobody knows nothing about the money??? The IRS says they dont know and the borrower says they dont know and on top of that I was making payments on the loan throughout the years and no sign of payments havve ever been shown to me??? Its been take, take, take and the interest obviously just keeps growing and always just owe more and more!!! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
On XXXX a firm called Lockhart Morris & Mo on XX/XX/XXXX filed a Derogatory remark that lowered my credit score on a medical bill Collections account that was incurred in mid XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$1000.00}. This account is not eligible for such a negative impact status since it is now near to 7 years of age old. XXXX link from consumerfinance.gov in order to Dispute with XXXX are broken as of XX/XX/XXXX. Also the Dispute Claim link from their website ( after member registration and Terms Agreement and then Login ) did not respond as of XX/XX/XXXX either. Today, XX/XX/XXXX member login attempts at XXXX does not even offer slots of Name or Password to fill in. When clicking the XXXX link ( XXXX XXXX XXXX XXXX XXXX ), it simply reads ... 
" The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back ] ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I contacted Lakeview Loan Servicing , LLC in XX/XX/XXXX and XX/XX/XXXX regarding an adjusted amount to my County Taxes. I have an escrow account to pay my county taxes. I was told by a customer service  representative that they would pay the adjusted tax payments for XX/XX/XXXX and XX/XX/XXXX and that I needed to send the tax statements to XXXX XXXX XXXX, XXXX XXXX, VA XXXX. I contacted them in XX/XX/XXXX to be sure they received the statements and they said they did and were in the process of reviewing them and they would call me back within 3 days to provide an update. I advised them I need to have an update before XX/XX/XXXX as that is when the tax payments were due and would be delinquent. To this day no one has contacted me and I received delinquency bills from the County of Los Angeles. I contacted Lakeview Loan Servicing again XX/XX/XXXX at XXXX ( pst ) I spoke to the department that handles escrow and taxes. The representative said she would have to place me on hold and when she came back she said I would have to speak to a manager in which I was placed on hold again and the line was disconnected. My escrow balance is currently {$1100.00} and my tax bills total {$620.00} plus fees now that the payment was not made by XX/XX/XXXX. I have more than enough funds in my escrow account to cover my County Taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
An attempt to obtain a XXXX XXXX ' Master Card in my name was made with Citi Bank . They notified me via phone on XX/XX/2020 and gave me the application number, which was denied. 
My personal information was used in the application, but the email for response was to an address ending in 'XXXX. ' along with a request to send {$5000.00} to an address in Florida. 
I have notified XXXX and requested a 1-year fraud alert. 

This may be related to any of several data base breaches that I have been notified of in recent years.

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 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/2020 TRIED LOGGING INTO ONLINE BANKING AT PNC COULD NOT GET ON. TRIED CALLING PNC BANK CUSTOMER SERVICE WAS ON HOLD THEN KEPT CUT OFF .CALLED BACK CAUSE DISCONNECTED 5X. FINALLY CALLED A BRANCH WAS TOLD THAT SINCE WE WERE OVERDRAWN FOR {$.00} FOR A PERIOD OF TIME THEY CLOSED OUR ACCOUNT WITHOUT GIVING US ANY NOTICE. ASKED FOR CORPORATE PHONE NUMBER WAS TOLD NOT AVAILABLE. GOOGLED FOR CORP NUMBER AND IT WAS DISCONNECTED. SINCE IT WAS CLOSED AND PURGED THEY SAID THEY CAN NOT REOPEN ACCOUNT, SO I CAN NOT GET IN TO DOWNLOAD FILES FOR TAXES AND ALL SAVED INFORMATION. I ALREADY HAVE THIS IN ESCALLATION WITH THEM WAITING FOR A CALL BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I know this is probably small to you but I am a victim of fraud by counterfeit check because TD Bank did not do their job when a fake check with the WRONG routing number which should have been FLAGGED right, away instead, {$1900.00} was stolen/CASHED out of my TD Bank account & I followed all TD Bank protocol to resolve this. There is obvious proof that it is a counterfeit check, wrong routing number, wrong check stock, wrong address, and more, but TD Bank won't give me back my money until they do their investigation. I have auto bill pay for credit cards, etc. bouncing back making me liable for returned items. And all the bank can say to me is " how do they know I didn't have the money go to another bank account '' I feel discriminated against by that statement. Ive been with TD over 10 yrs & never bounced a check or overdrawn. What is the FDIC for? Why do I have to wait to get my money back meanwhile the perpetrator is out there and already spent my money. I am looking into a lawyer about this because little people like me shouldn't have to be broke because a counterfeit check they know that didn't have their routing number should not have passed into being a processed check and taken out of my checking account. I also reported them to the XXXX XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone- XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
on XX/XX/2020, I sent a validation letter on XX/XX/2020 @ XXXX XXXX my letter was received by the company. 

the letter states " If you fail to respond to this letter within 30 days of receiving it all references to this account must be deleted and completely removed from my credit file and a copy of such deletion requests shall be sent to me immediately '' on XX/XX/2020 a letter was sent to me by this company including billing statements from the credit card company. but not what I listed in my letter. In my letter I asked for a list of TEN things and I states " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) '' Not only did they respond way PAST the 30 days but they also did not even send the 10 items I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
On XX/XX/2020 I received my XXXX statement via US mail showing the account delinquent with no payment posted to my account with a late fee. I did not receive any notification prior to this that the payment was not posted. {$1200.00} XXXX Payment. Late XX/XX/2020 at XXXX XXXX I called Loancare and they stated that no payment was received and a late fee ( {$43.00} ) was asset and delinquent reporting to the credit bureaus. I sent the documentation as the payments has been paid through auto pay since they assumed the loan. A ticket was created and and 7 days passed with no follow up or correction. 

I called again XX/XX/2020 XXXX XXXX which I was hung up on with no call back. I called again at XXXX hours and spoke to another call taker and advised her of the situation. She stated the ticket was closed with nothing changed and she was not showing the XXXX ( {$1200.00} ) or XXXX ( {$1200.00} ) payments. Further she verified the negative reporting to the credit bureaus. 

I filled another appeal with more documentation that LoanCare received funds from my account and did not apply them. I have not received any phone calls, emails or US mail of this situation. 

No notification of the XXXX late payment were received by me as required by law. My credit and loan accounts have been negatively affected unjustly. 

My payments need to be applied to my account to make it current and all negative information sent to the credit bureaus needs to be rescinded and removed immediately.

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 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA

Complaint narrative:
NACA promises you can apply for a mortgage if you spend hours attending seminars and going through and around hoops and red tape. I did all this in XX/XX/2017. I met with NACA Counselor XXXX XXXX in XX/XX/2017. I also paid membership fees at this time. He told me I could qualify for any amount ( up to their maximum non-jumbo limit ) once I was ready. 

Three years later, I decided I was ready. On XX/XX/XXXX, I was given a new appointment with NACA Counselor XXXX XXXX. Because of COVID-19, it was distantly set on XX/XX/XXXX at XXXX XXXX PST. On XX/XX/XXXX, I emailed XXXX and XXXX to confirm my appointment. Neither responded. 

On the day of the appointment, I called the phone number for my appointment. No one answered so I left a voicemail. Instead of a call back, I got an email saying I got pushed to XX/XX/XXXX. Ms. XXXX did email asking how she could help. I've written her three times and she has never responded. I've also tried multiple times calling/emailing the national center for help. None of the phone numbers get me to a live person. Each email I response I receive asks me not to reply to their response ( even though their response does not address my email ). 

I feel like this company is denying my access to apply and they are misrepresenting what it takes to apply for a mortgage. I also wonder if some sort of discrimination is taking place.

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 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Due to covid 19 I was granted a mortgage forbearance with Wells Fargo Bank. When I asked and was approved for a mortgage forbearance I received a letter from Wells Fargo stating that my mortgage would be increased due to an escrow shortage. Although I paid my mortgage my mortgage was still increased. I called Wells Fargo and have been told several opposite versions of why the increase happened. As of now, my mortgage has increased and Wells Fargo is unwilling to fix the issue.

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 2020-06-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XXXX XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I opened a Dispute with XXXX and Experian credit bureaus about 2 collection accounts reporting the same collection item on my credit. I was wanting them to verify heat to account and get an understanding of how two collection agencies ( 1.XXXX XXXX acct # XXXX 2.XXXX XXXX account # XXXX ) can be reporting and looking to collect on this item. This is double jeopardy according to the Fair Credit Reporting Act and these accounts are supposed to be deleted. It's been over 30 days and I have not received a response from the credit bureau at all. I am asking the cfpb to step in and help me get an understanding of how 2 collection agencies can report the same item on my credit report and according to the Fair Credit Reporting Act after 30 days both are supposed to be deleted, and they are supposed to be deleted because this is double jeopardy. Please help me with this situation!

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 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC does not allow me to connect my checking account to XXXX financial.

Company response to consumer: Closed with explanation