vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
My Experiance with Amerisave, I was told on many occasions that I was approved and we were waiting on the Appraisal, When the appraisal came and a week went by, I was told I would need to tear down my 2 car garage. Once that was resolved and they ok the separate 2 car garage, they started to request my updated paycheck stubs which I provided, The email came out on the afternoon of Friday XX/XX/XXXX and I submitted them on that Friday. On Saturday afternoon they wanted XX/XX/2019 last paycheck statement. None of these items changed anything with my financial information and they already had several years tax returns and previous pay check statements. I submitted the XX/XX/2019 last payment stub within hours of receiving the email. On Monday at XXXX XXXX I received an email stating incompleteness or we are unable to approve you for a loan program. I had in several conversations with the loan officer indicated that I felt they were looking for a reasons to denied me, including requiring me to tear down my garage. There was never any inspection done to my home, but there was an appraiser that came out. I still have not received a copy of the appraisal which I was told can be downloaded thru my porthole with them. Also now I am being told I can get a PDF copy of my Denial on line and when I go there all it says that the file was closed. No copy of any thing, I have not heard from my loan office after several attempts to reach him, it now goes staight into voice mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ATKB PORTFOLIO MANAGEMENT, LLC
State: TN

Complaint narrative:
Received a call about a payday loan thats over 2yrs old. The caller from XXXX XXXX XXXX XXXX stated they were taking legal action and sending over paperwork to my local county office for legal action. I originally set up a payment arrangement in XXXX, but then my bank started declining the transaction. Called the company I received the loan from were they verified that I was eligible to reapply for a loan with them. Which meant that I had already paid them what was due. On top of calling the real XXXX XXXX XXXX XXXX where not only did they verify that the caller was not an employee there, but the CEO of the company itself said he stopped this business and the name over 3 yrs ago. Its sad during times like these that there are people out there pressuring citizens with legal action to pay a debt. The company that was trying to withdraw from my account was ATKB Portfolio XXXX. And the senior associate that advised that she was sending the documentation over to my local county name was XXXX XXXX. When I tried calling back on XX/XX/XXXX the voicemail went to a XXXX XXXX  XXXX. Which is not XXXX XXXX XXXX XXXX or ATKB. The number that they kept calling me from is XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, JPMCB AUTO FINANC and XXXX XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I filed a dispute in regards of the incorrect items on my credit report and it has been well over 30 days. And I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc.
State: NJ

Complaint narrative:
In XX/XX/2019 XXXX added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, XXXX has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, GM FINANCIAL add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have a mortgage with PNC Bank on a property that requires flood insurance ( through FEMA 's NFIP ). According to several representatives of PNC, the flood insurance is required by law to be escrowed. Each year the premium is due, there has been issues with it being paid correctly by PNC. 

The National Flood Insurance Program policy expires on XX/XX/XXXX of each year. I received a letter on XX/XX/2020 ( confirmed by USPS ) from PNC dated XX/XX/2020 stated : " Your flood insurance policy with National Flood Insurance was scheduled to expire a short time ago. Since we did not receive a bill or renewal notice from them, and did not hear back when we tried to contact them, we paid a premium of {$730.00} to ensure your coverage continued. '' I got a letter from FEMA ( dated XX/XX/2020 ) stating that my policy had expired and that the premium had increased to {$740.00}. 

PNC was very negligent in waiting until the last day of the policy to notify me that they were having issues getting a bill from FEMA. By the time I even got the letter ( over a week later ), the policy had already expired and it was too late for me to do anything to prevent a lapse in coverage ( exposing me to significant risk ). 

What is also very troubling is that a major institution like PNC claiming they are having issues getting a bill from the NFIP. Surely PNC has numerous other customers with NFIP policies ( since they require these policies to be escrowed ) and should know by now how to get in contact with NFIP and/or to get something as simple as a bill. Ultimately the policy was reinstated but at a lower coverage amount d
ue to the partial payment ( {$730.00} vs. {$740.00} ) made by PNC from my escrow account. Fortunately the lower coverage amount is adequate but this could have exposed me to even greater risk if the new coverage amount was significantly lower.

This is the second time I have had this issue with PNC ( the first time costing me several hundred dollars ). When I contacted PNC through the phone number listed, the representative was very dismissive of my concerns and did not take any responsibility on PNC 's behalf in regards to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently did a refinance of my existing mortgage in order to lower my interest rate ( and lower my monthly payment ) and to get cash out to pay down existing debt. As a result I was able to eliminate 3 credit card balances and a personal loan for a total of over XXXX dollars. 

On XX/XX/2020 my credit score dropped 28 points to XXXX which is where it stands as of today. This is inaccurate and I want my report to reflect such. I don't believe a 28 point drop accurately reflects the elimination of over XXXX in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I sent a loss mitigation package and third party authorization to AmeriHome Mortgage by fax on XX/XX/2020. 

I called Amerihome Mortgage and spoke to XXXX XXXX on ID # XXXX on XX/XX/2020, who confirmed the loss mitigation package was received and was sitting in the mailroom in the financial inbox. She confirmed the package was received on XX/XX/2020. No letter was sent to the borrower and the file was not assigned to anyone. She told me would escalate the file and would have the file assigned and opened. 

I called Amerihome Mortgage on XX/XX/2020, and was on the phone for over an hour and spoke to Ms. XXXX ID # XXXX who also confirmed the loss mitigation package was received and not assigned. She spent the time on the phone with me and sent emails to the loss mitigation department.

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 2020-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation
State: TN

Complaint narrative:
This complaint is over a year old, so I may be too late : On XX/XX/XXXX, I received a bill from Global Credit & Collection Corp for {$3000.00}, and the " original creditor '' cited was XXXX XXXX. I have never had an account with XXXX XXXX, so this immediately aroused my suspicion. 

I called to inquire and was asked for my social security number, which I refused to divulge ; after pressure I finally cited the last four digits and the rep on the other end of the line cited my SS # in full. I was then told that this was a debt dating back to XXXX ( I believe that is the correct year ; if not it was somewhere near that year ) and that I should " do the right thing '' and repay this debt .... I kept insisting that I never had a XXXX XXXX account. At this point I was offered an option to " settle '' the debt for about half the price if I " paid today. '' I said I would call back and then immediately called XXXX XXXX, whereupon I was assured that I never had an account with them. 

I called Global Credit back and oddly enough the gentleman with whom I had previously spoken was gone. I then informed the woman on the phone that I had never had an account with XXXX XXXX and this was a fraudulent claim. She said they had received the claim from Velocity Investments, LLC ... 

I never heard from them again, but stories of recent scams in the news have lead me to feel a responsibility to report this agency for fraud. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXandXX/XX/XXXXCRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have been a with SANTANDER CONSUMER USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I attempted to send money to my mother from my XXXX account by using Quickpay by Zelle. My mothers name was used to identify her as the intended recipient but I mistakenly sent it to a phone number that no longer belonged to her. The unidentified person at that phone number accepted the money. I attempted to get money back by filing claim with XXXX because the intended recipient was obviously not the person at that phone number but my mother who was identified by her name. XXXX said that they could not refund money, that Zelle was a separate company that processes the subject transaction, and that Zelles policy when processing transactions does not take into account a persons legal name ; Zelle only uses the phone number. I attempted to contact Zelle to complain about this absurd policy hidden in the fine print of its terms and conditions, as every normal banking customer memorializes who they intend to pay by using that person or entitys name not their phone number. Unfortunately, it was impossible to get in touch with a representative and a pre-recording stated that I should contact my banking institution anyway because Zelle does not have customers personal information contradicting what XXXX advised me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I received a debit card from Wells Fargo that I never requested. I have never had an account with this Bank. 

It was a debit card not a credit card.

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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted Citi about an accrued interest charge that hit my account during my financial hardship/mortgage forbearance/car payment deferral- time earlier this year when Covid issues were peaking this year. I had a 70 % loss of income and put my mortgage and car payment on forbearance. Tried to keep up with all my other accounts like this credit card current w/ min payments and put food on the table for my family with the rest until things changed. 

It seems during this crisis a past charge was due other wise accrued interest would hit my account. This put my account with a $ XXXX limit and working down to under {$3500.00} balance at a new balance of {$7000.00} and with that I have been hit with late fees and over the limit while paying the minimum balance or so I thought. 

As soon as I saw this I immediately called Citi to ask for help and that I was trying to maintain all my accounts as they could see but missed the communication about needing to pay that charge off. After much back and forth I had to ask to escalate to executive office where I could speak with someone that could help as the rep said '' oh if you would have called 10 days ago I could have helped you but no Sorry nothing I can do to help. 10 days ago? How could they want to ruin my credit dropped over 60 points when someone wants to pay them money bc of a simple oversight during some very rough times. Now I am racking up late fees and over the limit charges being harassed by phone calls that tell me I am over the limit but when I ask for help and explain my situation there is nothing that could be done. I waited a few months bc I wasn't sure where to turn or if my executive office complaint in which I was originally disconnected was in the works. Please help

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 2020-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my bill for XXXX dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said they tried reaching me. they never notified me of the payments and just sent it to collections I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCYS TO MAKR A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXXand XX/XX/XXXX CRA. On XX/XX/2020, I mailedXX/XX/XXXX and XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, ALLY FINANCIAL and onXX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consume

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