vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I applied for a 3 month forbearance plan due to COVID-19. It was scheduled to end XX/XX/XXXX with my total deferred payment and monthly payment being due on XX/XX/XXXX. I called Penny Mac to discuss repayment options as paying the entire amount back at once is a hardship. I called on or around XX/XX/XXXX to try and be pro-active to work out the payment details. The individual I spoke with kept pushing me to wait until XX/XX/XXXX ( 7 days late ) and I would hear something from them by then. I'm not going to wait until I'm late to make an arrangement that sounds like a poor plan. After speaking with him and giving some financial information he said I wasn't eligible for anything and needed to wait and kept pushing me to wait until I'm late with my loan ( bad plan ). I asked to speak with his supervisor and spoke with her. We re-checked my financial information provided and she offered me a 4 month repayment plan starting XX/XX/XXXX and ending XX/XX/XXXX with the money owed split into 4 equal payments. Over the next week or so I got a number of mailings with very confusing and conflicting information from what I was given over the phone and basically said my repayment plan was denied. I waited until my monthly statement and next payment due showed up, which conveniently wasn't until XX/XX/XXXX and Penny Mac customer service is closed, to see indeed my entire amount is due this next payment on XX/XX/XXXX. Very deceiving and late/slow practices here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I was harrassed by lexington law for months and after finally accepting there service, they didnt file one single dispute at all after 3 months of payments and other various fees ... wishing i could get my money back and get information about a company that actually helps with credit repair ... is there one out there?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: PA

Complaint narrative:
Attempted to link account to my rent paying site online and a message appeared that stated that through PNC I could no longer complete this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hello, MT Bank has my mortgage account and they have been incorrectly reporting my balance to the credit bureaus. My current outstanding principal balance is {$300000.00} according to my statement, MTBank website and their customer service representative. MTBank reported to credit bureaus on XX/XX/2020 that my balance is {$310000.00} and on XX/XX/XXXX it has reported my balance as {$310000.00}. Please note that according to MTB statements and their customer reps my balance is still {$300000.00}. My credit score dropped by more than 10 points over this balance adjustments that are incorrect. I spoke to MTB rep in XXXX, who was very rude and told me that he doesn't know who is reposting this that I should file paperwork with XXXX. I did, and XXXX  came back to me saying that this is a correct amount according to lender. I spoke to MTB again in XXXX and was told to fax them my credit bureau information. I did it the same day and was promised to hear back by XX/XX/XXXX. Today is XX/XX/XXXX and I still haven't heard back from them! Also in comments on this account on XXXX  it says - " Student loan - payment deferred '', which is WRONG, it is not a student loan. I don't know who is doing this but they need to be retrained to not make mistakes on customers ' credit files. This is an unacceptable mishandling of my information and I expect it to be fixed immediately. Thank you

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 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
i am getting 3-4 phone calls EVERY SINGLE DAY and when i answer the phone it HANGS UP ON ME .so basically, this phone number calls me 3-4 times DAILY starting very early in the morning and running very late at night and EVERY SINGLE TIME I TRYT ANSWER THE PHONE IT HANGS UP ON 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 2020-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
Regarding complaint filed with XXXX on XXXX XXXX in XXXX, Colorado. Company issued citation in XX/XX/2020 stating that I left the XXXX XXXX in XXXX, Colorado and re-entered it three times in 20 minutes. I disputed the citation in XX/XX/2020 via XXXX  and could not find the original complaint in their systems after COVID-19 stay-at-home order was issued across the State of Colorado and in the State of Texas. However, the business did not respond and the complaint was closed. 

The company resent the tolltag violation again and I attempted response through XXXX  and again never received notice of the business responding until XX/XX/2020. I was not on a toll road and do not accept resolution. I am not required to pay fees on toll violations that the business has not proven as mine. 

The company does not have video of any such incident and has continued to harass me via mail regarding a toll road violation it has not proven to be mine. Additionally, it sends information to its XXXX, TX offices which are completely out of jurisdiction and across state lines. 

Complaint ID : XXXX Filed with : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX URL : XXXX : XXXX Date Filed : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
On XXXX2018 I had to visit XXXX XXXX XXXX. Upon receiving the bill of {$6200.00} for a 2 hour visit ( nothing was done except a check up and a XXXX ) I attempted to call and request detail billing. Nothing was sent. I sent my insurance detailed billing in hopes they would make the proper adjustments, however they refused. Now a company called Aargon Agency Inc is attempting to collect this invalid debt. I have sent proof of this to Aargon and let them know I will only deal with the original creditor and Aargon is still attempting to collect. This is not right.

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 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Early XXXX, I called Wells Fargo, and asked what relief they could provide due to Covid-19. At one point in my life I worked as a XXXX XXXX XXXX so I am very familiar with how a forbearance versus a deferment works. I was adamant if all they could offer me was a  forbearance that I was not interested and I was assured by the Wells Fargo rep that they would just put the 3 payments at the back end of the loan and it was not a forbearance so I agreed. Yesterday XX/XX/XXXX, I received a notice from Wells Fargo asking If I need to extend my forbearance or discuss repayment options for the missed payments. I am livid! I was lied to or someone XXXX  up. I want the offer I agreed to nothing more nothing less.

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 2020-06-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, XXXX XXXX has my mortgage account and they have been incorrectly reporting my balance to the credit bureaus. My current outstanding principal balance is {$300000.00} according to my statement, XXXX website and their customer service representative. XXXX reported to credit bureaus on XX/XX/2020 that my balance is {$310000.00} and on XX/XX/XXXX it has reported my balance as {$310000.00}. Please note that according to XXXX statements and their customer reps my balance is still {$300000.00}. My credit score dropped by more than 10 points over this balance adjustments that are incorrect. I spoke to XXXX rep in XXXX, who was very rude and told me that he doesn't know who is reposting this that I should file paperwork with Experian. I did, and Experian came back to me saying that this is a correct amount according to lender. I spoke to XXXX again in XXXX and was told to fax them my credit bureau information. I did it the same day and was promised to hear back by XX/XX/XXXX. Today is XX/XX/XXXX and I still haven't heard back from them! Also in comments on this account on Experian it says - " Student loan - payment deferred '', which is WRONG, it is not a student loan. I don't know who is doing this but they need to be retrained to not make mistakes on customers ' credit files. This is an unacceptable mishandling of my information and I expect it to be fixed immediately. Thank you

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 2020-06-20 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: CA

Complaint narrative:
I HAD AN ACCOUNT REMOVED FROM MY REPORT DUE TO IDENTITY THIEF. I SENT ALL THE DOCUMENTATION NEEDED AND THE ACCOUNT WAS REMOVED. NOW THEY HAVE PUT IT BACK ON MY REPORT WHEN THEY KNOW I AM A VICTIM OF IDENTITY THIEFT.

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 2020-06-20 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Amex continuously pushes marketing ads to me for their Amex Offers. I decided to try one and added it to my card and then went to the participating merchants website and placed an order. Amex never gave me the promotional credit. I inquired and they said it was because the merchant was excluded ... from their own offer. That made no sense, so upon further questioning Amex said I didnt get the offer because I used paypal to check out. 1 ) I added the offer that was advertised 2 ) I made a purchase from the merchant using my amex card. I am bamboozled how Amex can try to weasel out of honoring its own advertised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between

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 2020-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
My husband and I are in the process of purchasing our first home. We waited until XXXX on XX/XX/2020 to get the greenlight about our mortgage loan before I sent a request for a wire transfer. 

I sent the request at XXXX on XX/XX/2020. Note : This was an hour after the Ally Bank wire cutoff time. 
About an hour later I called Ally Bank because I never received a reference number for the wire. I was told that the wire department would contact me to verify the wire and that I would get a call around XXXX the next day ( XX/XX/2020 ). 
Today XX/XX/2020 - the day of my house closing - I called at these times : XXXX, XXXX, XXXX, and XXXX. 
Every single time I mentioned that we were on a time crunch due to us closing on our house today. No one ever mentioned to me any sort of delay or mentioned that they needed additional information to make the process go by quicker. 
Since I sent the request after the cut off time on XX/XX/2020 it allegedly didn't give the wire department sufficient time to get the verification for the wire to send out today, XX/XX/2020. My closing officer got involved and nothing was accomplished. 
We didn't end up getting keys to our house today because the wire was never sent despite the urgency of the 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 monetary relief
Consumer complaint received 2020-06-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between

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 2020-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I Have requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have contacted Chase Freedom Card Visa five ( 5 ) times in order to transfer a large credit balance ( $ XXXX ) to my Chase checking account. The credit balance is the result of a cruise line credit due to cruise cancellation from COVID-19. Each conversation with Chase produces a different answer. At this point, the credit ( {$21000.00} ) has been removed from my Visa account, however, I have no idea where the funds are. I was advised that I would receive an e-mail detailing my options. No e-mail has been received. I have received two ( 2 ) text messages directing me to a link which requests a password which I don't have. Chase Visa advises that I could not have received a text message. 

I have been misinformed, disconnected, and generally been given the run-around. The monthly Visa bill for this account has been directly paid for over twenty years from my Chase checking account. Nevertheless, Chase claims they can not move funds the other way!! I have no idea where my $ XXXX is and Chase Visa advises that it could be another TWO WEEKS before it may arrive by check. Then, again, it may not. 

PLEASE HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: KS

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAD AN ACCOUNT REMOVED FROM MY REPORT DUE TO IDENTITY THIEF. I SENT ALL THE DOCUMENTATION NEEDED AND THE ACCOUNT WAS REMOVED. NOW THEY HAVE PUT IT BACK ON MY REPORT WHEN THEY KNOW I AM A VICTIM OF IDENTITY THIEFT.

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 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
This is a follow-up to a complaint I filed on XX/XX/2020 regarding a fraudulent cashier 's check that was deposited in my checking account with Bank of America. Since reporting this incident to the FBI and CFPB, as well as the SEC and FDIC and Bank of America, there have been retaliatory measures taken against me by Bank of America employees, namely in the Recall Department and the Fraud unit, which include : 1. Freezing my accounts twice on a Friday, leaving me without access to any funds and unable to use my debit card and checks. 
2. Closing my new savings and checking accounts this Friday, XX/XX/XXXX, accounts that had nothing to do with the fraud. 
3. Refusing to respond to my phone calls when I call 4. Forwarding my call to various departments before I am finally directed to the appropriate one. 
5. Refusing to conduct a fair and impartial investigation into the fraud 6. Faulting me numerous times for the crime. 
7. Closing the checking account involved in the fraud after I told them I was going to pursue the matter. 
8. Closing my new accounts that weren't involved in the fraud without notifying 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