vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CT

Complaint narrative:
Good Evening On XX/XX/2020 during the height of this pandemic, we are both on the front lines in XXXX XXXX, my wife accidentally electronically paid our mortgage payment to Amerihome company ( Old company ) in the amount of {$1800.00}. This Loan no longer exists with Amerihome and was sold to a new company over a year ago. This was paid through the Bill pay  Service from XXXX XXXX XXXX. 

I Have contacted your company ( AMERIHOME ) Several times and was initially told that I would be receiving a physical check in the amount of {$1800.00}. I was told that I would be receiving this check within 7 to 14 days. That time has since gone and I have not received anything. I then contacted customer service again and was told they had no record of that and I was asked to submit proof of payment for my bank. This was after I was already told that I would be receiving a check that they already found the payment. I Was told again that they had no record of that check and that they wanted me to send proof of payment. Which I sent Amerihome the proof payment was made.

After hours on the phone Amerihome stated they sent a check to XXXX ( a company they claim that the check originated from ). I have spoken to XXXX XXXX customer service several time and they have stated that they have no business dealing with XXXX. I have contacted XXXX which states they do not deal woth XXXX  XXXX. XXXX XXXX stated I should call Amerihome and have them refund the {$1800.00} by a different means. 

I went back to Amerihome and they stated they could only refund to where the origional payment came from ( XXXX ) and they will refund the account. XXXX  XXXX states this is not the case and that they cant reverse the payment back into my account and still denies dealing with XXXX. 

This has been an ongoing circle for the past 2 months. I have been hung up on by bith companied XXXX XXXX and Amerihome. XXXX XXXX when I asked for a manager the CS representative stated to me " there is no manager higher than me '' When I asked for a name and a title she said it was XXXX and her tinal was " basically a supervisor '' I have involved the CT Dept. iof Banking and copied them on every email sent and received but have heard nothing. I do not know what else to do. No one at either company can or is willing to help. All I want is a refund of the money that is due to me for the payment made in error to an account that no longer exists. 

I have all the emails and correspondence as well as proof of payment from XXXX XXXX. I would like Amerihome to send me a physical check for the payment amount of {$1800.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Auto Finance refinanced my loan in XX/XX/XXXX. I have completed 2 limited power of attorney documents, notarized and mailed and they still have not completed title transfer. The car was totaled in an accident XX/XX/XXXX. XXXX XXXX XXXX is ready to payoff but Capital One will not provide letter of guarantee on title due to their ineptness in not transferring title. 

Please keep in mind I have been making payments on a car that they have no legal interest regarding lien holder status. 

I can not obtain a new loan until this is paid off when they are advising can take 3-4 weeks. In the meantime the loan is accruing interest even though they know the car has been totaled. 

I am requesting assistance in getting this resolved. 

Thank you

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I don't believe that I have been financially harmed at this point. However, it could have gone bad very quickly, had I not started using my online banking App. I was sold an " upgrade '' to my existing B of A account. A business credit card with " better '' reward benefits. I assumed it was an ordinary Mastercard account. What was not disclosed at the Branch where I signed the agreement, which I am now trying to understand how and why this account works. I use my card say it's 0001. Some time after the close of the billing cycle but before the due date, I go to my local branch to pay part or all of the balance due as reported by the teller, when I ask them to verify my current balance. That payment is electronically transferred and posted to the card. Some time after, whatever remaining balances that were unpaid are moved to the " Corporate acct '' with a different account number say 0002. So this balance sits there in the " corp '' and does not get paid when I send payment to 001 every month. So now I have about {$5000.00} in unidentified purchases that I need to review and pay the balance on. They were having a very difficult time explaining when and why my balances were being moved around. Looks to me like a splitting of the account that was not what I wanted.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a further issue with regard to complaint : XXXX IT APPEARS THAT CITIBANK IS ATTEMPTING REPRISAL FOR THIS COMPLAINT. 
CitiBank sent a letter received today indicating that they intend to issue a check for {$390.00}, which is {$33.00} less than what I am owed. The letter states that they are withholding this amount due to a disputed charge. Looking at my account record online, a 'reverse partial merchant credit ' item has suddenly appeared with a date of XX/XX/19, nearly one year ago. That item has not appeared on statements I have in my possession since I closed the account in XXXX. Upon further checking, it relates to fraudulent charges that I reported to CitiBank immediately upon discovering them last XXXX after CitiBank 's security system triggered an alert for a suspicious charge. They were made at a hotel in XXXX XXXX XXXX when I was in the United States. There were two, for {$140.00} and {$87.00}. I was half a world away, knew nothing of this place, and certainly had not authorized any charge. I made my report within minutes and the CitiBank rep indicated that another charge was being attempted by someone at the hotel in XXXX XXXX while we were on the phone, and I was in the US. This was clear fraud resulting from stolen information. CITIBANK POSTED THE REVERSAL OF CREDIT FOR THAT FRAUD SEVERAL DAYS AFTER I FILED MY COMPLAINT WITH THE CFPB. THIS APPEARS TO BE RETALIATION FOR MY COMPLAINT. Note also that they were quick to send this letter but no refund has been delivered so it remains unclear if they will be sending anything.

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: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX a consumer reporting agency named Checkr was contracted by a company known as XXXX XXXX XXXX - doing business as : XXXX! ... a ride share company! Checkr reported adverse information that was MORE THAN SEVEN YEARS OLD ... in fact it is a FIFTEEN YEAR OLD ( XXXX ) felony conviction for XXXX possession - which has ultimately caused my application to be rejected and my hiring for the position of driver/independent contractor to be denied!!! EVERY SINGLE THING ELSE - was clean & cleared on Checkrs report that they submitted to 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: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
I was in car accident attorney settled with Hospital. I had insurance was a victim of hit and run.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CASE : XXXX Macy 's response to you said that Macy 's had deposited my refund of {$43.00} into my XXXX Acct on XX/XX/2019. My bank statement does not show any deposit from Macy 's. You need to know they are misleading you, & Macy 's is now given my name to Debt collectors. What's more, I have informed Macy 's Reps of their error on multiple occasions, but Macy 's continued to charge me interest & fees on money I did not owe! In fact, they still owed me!

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

TransUnion submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX   regarding my concerns. XXXX provided the same recommendation but I was informed to contact XXXX and the XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
try to transfer money XXXX  account

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I mailed in a dispute to Experian on XX/XX/20 for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXX/XXXX XXXX  when they sold the account to collection agency XXXX XXXX Solutions? There should not be a balance on a charge off account that was sold to a collection agency.

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 — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
When I called yesterday, the CSR reps ( I believe in XXXX ) were very rude. She asked if I'd like to have a new card issued.. I told her I'd call back. When I called back, it was brought to my attention that acc oi until was frozen due to fraud ( despite that she had just offered me a new card to be shipped ). 

The lady I spoke with afterwards said I'd still be able to access checks. Well, those aren't processing. 

They told me it'd take a few hours after notarized ID faxed to be processed, but it's taking a few days. 

Im now locked out of checking and brokerage, which is a significant opportunity cost considering the market. Not to mention I need cash to buy food, etc. I'm now having to go on payment plan with electric company bc can't pay bill due to no access to funds ( which will cost more ). I've also had to pay for notary. 

They have the ability to process this faster, but won't. 

I feel like I was discriminated against by the reps I spoke with yesterday ( XXXX ). I feel confident they flagged me as potential fraud in spite. 

I request all calls be listened to, for the past 1.5 months, to fully understand the situation and how this was unfairly handled. 

Respectfully, your previously satisfied customer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX settled wit Hospital per my attorney.

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 — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank is preventing a 3rd party account making authorized withdrawals from my checking account. I have an investment account with XXXX  Investments that has been acknowledged and accepted by PNC Bank.

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: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
This is related to a rental property located at XXXX XXXX XXXX, XXXX TX XXXX. The Money Source phone no. ( XXXX ) XXXX funded the loan ( XXXX ) and they escrow for insurance and property taxes. 

Back in XX/XX/XXXX, I got notice from XXXX XXXX XXXX where the property is located that taxes were due on XX/XX/XXXX for the amount of {$2900.00}. I called the Money Source and they told me to disregard the notice because they make payments automatically. 

On XX/XX/XXXX I got a notice in the mail from XXXX XXXX XXXX advising of delinquent taxes, a penalty and a potential lien to my property. I called the Money Source and gave the parcel number and they assured me not to worry, the payment will be made. I checked with XXXX XXXX XXXX on XX/XX/XXXX and no payment was posted. I panicked and paid the taxes and a penalty of {$260.00}. I paid a total of {$3200.00}. 

The Money Source website reads as if they made a payment for the base amount on XX/XX/XXXX. I called XXXX XXXX XXXX and they said they had rejected a payment that came after mine even though XXXX XXXX reads they paid on XX/XX/XXXX. 

I called the Money Source on 7 different occasions. XXXX, XX/XX/XXXX. On XX/XX/XXXX spoke to XXXX who said she can read a note from XXXX XXXX saying that on XX/XX/XXXX the county rejected the payment but the funds have yet to be posted to my escrow account. Every time I contact The Money Source the story is a bit different. They keep asking me to continue checking periodically. 

Called again on XX/XX/XXXX and XXXX said that there is not any activity on my account but that most likely they were not going to refund me the penalty I paid. It was my fault for making the payment. Called again today on XX/XX/XXXX and XXXX says that these issues can take 90 days to be resolved and that they are waiting for XXXX XXXX XXXX to return the funds. However, when I spoke to XXXX XXXX they said they didn't take any funds, they rejected the transaction. XXXX says that they have escalated my case but I still haven't seen any refund from XXXX XXXX. 

Please help me to get the {$3200.00} I paid. I feel I'm getting a runaround and that there is no accountability from these folks for their faulty system and the customer is be being penalized for 1. their failure to pay the escrowed taxes on time, 2. Not issuing me a refund the moment I called giving them proof of payment, 3. Not providing me a number where I can log a complaint with a person  who has authority to resolve my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NC

Complaint narrative:
I received the attached letter on XX/XX/2020 from the said company ( Dynamic Recovery Solutions ) stating that I have a debt that I have no knowledge of. The letter states that I have an outstanding balance of {$1200.00} with XXXX XXXX as the Original Creditor and the Current Creditor as XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/2020 My gut told me to call mortgage company b/c I had trouble logging in that night before. I called about XXXX XXXX. to get help which I had already registered the previous weeks before. I was very concerned b/c they continually displaced my payments. Making it appear that I'm paying late which I have been consistent for over 10 years. I also had agreement with mortgage company to have auto payments set-up thru them. So how could I miss a payment. I did not request any assistance due to pandemic. I was very adamant about paying my account on time. When I read over my statement since it's paperless billing I don't notice as much. But I have noticed that by them making it appear that I'm late and reporting it. It affect the bottom line tax wise. The numbers are not adding up. I have reported before about inaccurate info. This totally changes interest rates.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I originally filed a complaint against ic collection in XX/XX/2020 for placing collection information on my credit I report for fictitious debt. 
I.C. Collection agreed to provide valid proof and statements for said debt. 
Today, XX/XX/20, I received statements for an account not mine. I.C SYSTEMS did not provide proof such as signatures, identification  documents associating me with the debt. 
I am still disputing the debt as 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 2020-06-08 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: NJ

Complaint narrative:
I have a XXXX account that was linked to my PNC bank account for a year with no issues. Today when I needed to use it I'm getting a message that PNC is preventing the connection. In checking with PNC, they are telling me that it should be working and it is on XXXX 's side since PNC sent the code to me to verify the connection. XXXX does not list PNC as a bank to link for finances. 
Currently, the perception is that PNC is blocking XXXX to force people to use the PNC XXXX  app for money transfers. 
Someone is XXXX  things up and not being honest and I need to make some other like to make this payment happen.

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: PA

Complaint narrative:
Can't connect my XXXX  investing account with my PNC account

Company response to consumer: Closed with explanation