vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Home purchase closed on XX/XX/2019. Escrow account was set aside to cover repairs. Repairs were completed over a month ago. The appraiser came and inspected them and told me everything was okay and that the information would be sent to the bank. 

The lender will not return calls so we can have the money released. I need to pay the contractors. 

My real estate agent and I have made over thirty calls, messages and texts to the loan officer, loan office manager and national office trying to get someone to release the escrow funds. We got sent in circles with no satisfactory response. No one returns calls. 

My real estate agent is a retired loan officer who says that Freedom Mortgae is acting in a negligent and criminal manner.

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 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was reviewing my credit report and Portfolio Recovery ASSOC account was listed on my report and I reached out to this company to provide me details on this account and they were unable to verify my information and I never received any notice from this company. 

I do not have any contracts with this company they should not be reporting on my credit file without verifying that the account and balance is accurate and is truly mine! 

I share same exact name as my father and son and they were unable to verify my information correctly via telephone and yet they are still on my credit report reporting negative unverified information! 

This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. 

This is against the FCRA to place unverified information and I have no contract with this company and they are on my credit report and they didn't even send out any notices pertaining to this account. 
Unfair! 
Against the law! During a global pandemic even worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
Our mortgage is a XXXX XXXX loan serviced by AmeriHome. 

For the past three weeks, we have been trying to apply for forbearance under the CARES Act. We continue to receive different answers to our questions, specifically, when asked how long can we apply for forbearance we are told 90 days only. When asked about credit reporting that we are in forbearance, we have been told that there is no reference of forbearance reported to the credit bureaus or posting of such on our credit reports by one staff member, that there will be posting to our credit reports signifying that the loan is in forbearance by a different staff member. Both my wife and I have worked hard to achieve and maintain excellent credit and don't want to do anything that impacts our ability to borrow, increase interest charges, or impact our credit scores. 

Can you please advise if we are entitled to initially request a 180-day forbearance term under the CARES Act on a XXXX XXXX mortgage, and if the loan servicer is mandated or allowed to report the forbearance status to the credit bureaus? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: NJ

Complaint narrative:
On XX/XX/XXXX, once I pulled my credit report from credit engine XXXX, I discovered an unknown account on my credit report. 
Going over I found out that the auto loan with XXXX XXXX   reporting on it was not mine. On XX/XX/XXXX, I filed an Identity Theft Police Report, On XX/XX/XXXX, I started my journey of disputing inaccurate information on my credit report. The time went by and I got removed the account on XXXX and XXXX. Unfortunately, I am still dealing with Equifax, they have been refuse to remove the same account that has been already removed with the other two credit bureaus. I recently, on XX/XX/XXXX filed an amendment to the previous Police Report with the specific auto loan on it. By the way, there is actually a law firm name XXXX XXXX XXXX XXXX bringing a judgment on me regarding the above mentioned account. On XX/XX/XXXX, I filed a complaint thru FTC website that I mailed on XX/XX/XXXX and delivered to Equifax on XX/XX/XXXX. 
I am now using my very last source to contact the CFPB for help, that account is affecting me very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coastal Credit, LLC
State: SC

Complaint narrative:
Coastal Credit LLC Is reporting a auto loan of {$19000.00} to the Credit bureaus XX/XX/2020 as a collection/charge-off. I also have received a letter saying I am past due in monthly payments. I do not owe this debt. I have not received any verification of ownership, auction of vehicle, invitation to come to the auction to retrieve vehicle. I also have not received any official loan agreement that says this belongs to me. This unidentifiable error has caused me hardship and cause my credit score to steadily drop.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: MO

Complaint narrative:
I have contacted the company multiple times. I have called, sent letters, faxes, and filed disputes. I have proof that all payments were made on time. The loan was paid in full of XXXX of XXXX and closed. They finally corrected my credit report at the end of XX/XX/XXXX and then in XXXX of XXXX reversed it and put the 30-day late payment back on my credit report on a loan that is closed. This is hindering my family from moving forward with any financial movements. Dovenmuhel Mortgage says they will remove it and will respond but then they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was trying to set up an payment arrangement the rep that told me was the payment schedule and the amount. but i got the bill different so when i called them back they said that their maybe some extra charge after the last payment. i been asking them to sent me contact never have one. i been told totally different. they are rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P.S.C., Inc
State: WA

Complaint narrative:
PSC Inc attempts to collect a utility bill outside statute of limitations. Washington statute of limitations debt RCW 4.16. 040 Continued attempt to collect on debt Notified PSC Inc of statute on XXXX/XXXX/2020. Tracking number XXXXXXXX XXXX Requested they cease collection attempts, to notify any subsequent collection company they transfer said debt to in the future of RCW 4.16. 040 and to cease reporting this debt to the credit bureaus. 
I received Notice of Attempt To Collect A Debt letter from PSC Inc. mail date of XXXX/XXXX/2020 continuing their actions. 
PSC Inc is continuing to report this debt weekly to the credit bureaus further damaging my credit for a debt that is outside RCW 4.16. 040 Spoke with XXXX  at your office, operator ID XXXX on XXXX/XXXX/2020 and was unable to assist.

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 2020-07-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX a letter was received at an address that belongs to my mother, and one that I have never been associated with. 

The document included amounts paid and owed in a judgment against me. 

I have never lived at the address that they sent the information to. I had previously received communications at my personal home address so there should have been no confusion as to what the proper address for me is. 

The letter received was sent from a law firm that Professional Choice Recovery had hired. The law firm stated that the address they used was provided by Professional Choice Recovery even though it was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
One day in XXXX, I tried to make a purchase with my credit card and found that it was frozen. I called my creditor to ask whether there was a problem or not, and the creditor said that there was abnormal activity regarding my account. They checked the activity with me and concluded that there were two transactions from XX/XX/XXXX that were not mine : one at XXXX 's for XXXX and the other at Home Depot for XXXX. The creditor told me that they would investigate the matter and give me an answer regarding how the matter would be solved. I made another call to my creditor in XXXX to check the status of the matter, however, the creditor had no answer for me. They suggested that I make a police report. I tried to consult with the police, but they told me that they do not handle matters regarding credit card fraud. In XXXX, I made two more phone calls to my creditor to inquire about the matter. They did not disclose any details regarding the investigation and concluded that the two transactions were not credit card fraud and were made by me. They then closed the case. 

Because of the Coronavirus outbreak, my bank was not open and I was unable to make a visit to dispute the matter. I made another phone call to the creditor on XX/XX/XXXX to dispute the decision and they agreed to reopen the case for further investigation. The creditor required me to obtain proof from the two stores at which the transactions were made. Both of the stores stated that they do not accept personal inquiries. 

On XX/XX/XXXX, I received a letter from my creditor. They decided not to acknowledge that the two transactions were not mine, nor did they acknowledge that I was a victim of credit card fraud. 

I have tried many methods to solve this problem. After calling XXXX, I was given your customer service number and called. One of your representatives directed me to your website to make this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
THIS IS A NEW COMPLAINTAN DO NOT SEND ME THE SAME RESPONSE WITHOUT LOOKING AT THE ATTACHMENT TO THIS COMPLAINT YOU FRAUD COMPANY!!!! I have a loan with CCB/CHLDPLCE. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I placed XXXX XXXXXXXX on my Childrens Place account and they were required to pay all billing while I was out on XXXX  leave for those 12 months. They failed me!! I tried contacting both XXXX XXXX, ALL THREE BUREAUS and CCB/CHLDPLCE with no successful resolution. There was definitely an error on their part. You guys are reporting late payments for all different months for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! was never 30 days late XX/XX/XXXX, never 60 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days late XX/XX/XXXX, never 30 days XX/XX/XXXX. THIS NEEDS TO BE REMOVED IMMEDIATELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC will not allow XXXX to access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
there was many charges in a 24 hour period i called as soon as i saw them and filled the response in the correct time then on the 11 day the suspended my account and said they said i authorized the charges and then after i said i would stand before a judge and swear i didn't and that all the charges where non swipe that only one after doing my own investigation was me and that i did not dispute that charge they did. they said well you request but since your account is suspended that i can not. when i asked what did i do wrong they said 22d of the member agreement but i said that says i was responsible for the charges and i am not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
On Saturday, XX/XX/XXXX of the current month, I tried to make an international transfer from the Transferwise platform ( Transferwise.com ) in US dollars, to a bank located in XXXX ( XXXX XXXX XXXX ). The information they gave me from the recipient bank was that I had to transfer the money to the intermediary bank : ( XXXX XXXX, XXXX XXXX ) as an ACH transfer. That was effectively what I did. The account number they provided me was XXXX ( will be provided later if needed ). The transfer was made for XXXX USD. 

On XX/XX/XXXX Transferwise confirms that the transfer has been completed. A few days later I contacted the owner of the account that should receive the funds and she confirmed that she did not receive them. Until today the funds were not received and from the receiving bank they know absolutely nothing and did not give me any response. 

I have received the following responses from Transferwise : Hello XXXX, Thanks for reaching out to us. 

I took a look at transfer # XXXX and can see that it was sent to the intermediary banks details that are shown on the document you've sent us. 

I have attached a transfer receipt to this email. Providing this receipt to the intermediary bank, and asking them to reject the funds, may help to get this money back to you. 

If the payment is rejected successfully, the funds would be sent back to us and we would notify you via email with the option to change the bank details of this transfer and send the payment out again, or, you'd be able to cancel the transfer and receive a refund. 

However, I'm also going to reach out to our payments team here to see what they would advise in this particular situation. We'll be following up with you via email as soon as we hear back from them. 

In the meantime, if you have any questions, please don't hesitate to ask. We are always happy to help. 

Best wishes, XXXX TransferWise After that I have sent more queries and have not received answers. Anyway, I don't know where my money is. I have also tried to contact XXXX NY to no avail so far. 

What I would like is for my money to go back to my transferwise account so that I can withdraw the money and pay my provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Performant Financial Corporation
State: TN

Complaint narrative:
I have called and said you are the only ones that can close these accounts out?

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 2020-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have been approved to refinance my home with a different lender than my current lender. Current lender is PNC Bank, new refinance loan lender will be XXXX XXXX XXXX. I have been told by XXXX  that PNC will not send over the 30 day payoff as they have requested multiple times. I have also personally been requesting such payoff for almost 2 months now and PNC will not send a 30 day payoff. Instead they sent one payoff by mail ( it was requested via fax ) and it was a 10 day payoff not a 30 day payoff. Every time I call PNC to request yet, another 30 day payoff I am met with brutal questioning and attempts to lead me to a refinance officer within PNC even though I am very clear of my intentions to refinance with another lender.

Since all this has been going on over the last 2 months, PNC has pulled double payment from my checking account 2 times, and they will not reverse or refund the funds they pulled from my account. My checking account credit union told me since the funds were pulled ( requested ) on  PNC side they couldn't undo the transaction. All of this leaves my account short XXXX $ and during these hard times of covid I could have used this XXXX $ for my other bills. I had zero intentions of paying an additional XXXX $ to my mortgage that I am in the mix of refinancing with another lender. I have written and called and emailed PNC but no one will solve the issues mentioned above. I am still without a payoff that is good for 30 days, even tho I requested a fax for one again yesterday. Any insight on how to get this resolved is appreciated and I just want the option to be able to refinance my home without being robbed via double mortgage payments each month. I feel as if I am being punished and robbed by PNC because they know I am refinancing my mortgage with another lender. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
So tell me this since you receive the last dispute via US mail with photo ID and current copy of utility bill and you still state that you didnt believe me that was me sending in the dispute what makes To believe that this time it is me if I send them again? But I tell you what you going to do is when you respond to this complaint via the CFPB you might as well send Security questions thats on the credit report and only XXXX  would know in this response and thats how you and I are going to conduct business or else you are going to confess to failure to conduct a proper investigation their is already CFPB complaint that you have lied claiming I needed to send in Government issued ID along with a utility bill or whatever I got XXXX and at this point you might as well say that you were compelled you to conduct a proper investigation is what its going to be but again during your response here is what I want you to do is send a list of security questions that only guy in you will know about in the credit file case closed bogus stall tactic that youre using

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 2020-07-17 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation