vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a CapitalOne card account opened since XXXX ending in XXXX. Around XXXX of XXXX, the account disappears from all three credit bureaus. I contacted CapitalOne when it first occurred and I was reassured that the there was no problem and that they had reported the account on XX/XX/XXXX, like they always do. I continued to check my report for the next couple of months and the account would not report to any of the three bureaus. I called several times and was reassured that they reported it and that it " must be a mistake by the credit bureaus. '' All three? I contacted the three credit bureaus and they said that they saw no so such account and that it was CapitalOne that was wrong. I contacted Capital One and they gave me an address to their obscure " credit reporting department, '' XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX and asked me to write a letter and send copies of the reports to substantiate my claim. There is no number or email in this age of technology for this so-called " credit department, '' just very slow snail mail. I sent the letter with the required information and got a response six weeks later with a statement saying that " they are reporting and they do not see the problem in their system. '' I gave up in frustration. Fast forward to the present and I have been back and forth again with both CapitalOne and the bureaus about this issue which is now negatively impacting my score by not showing a positive account with a good history and was told again to contact the same secretive obscure " credit department '' to try and solve the issue. Frankly, I don't believe that they will handle my request in good faith and that is why I am submitting this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a credit card with Bank of America. I have not used this card in many months. Because of this, I didnt check my online account for it. XXXX did an auto payment for prime ( XX/XX/XXXX ) and I didnt catch it for months. I did not receive a letter in the mail telling me about the charges or late fees. I spoke to a Bank of America agent on XX/XX/XXXX who told me she would reverse the fees because of this and also contact the credit agency to reverse this. A week went by and I see the fees are still there when I pulled up the online banking. Then I receive two letters in the mail saying my credit line has been reduced. I also checked my credit report and it dropped by 110 points. Had I known this charge occurred and I was accruing late fees, I would have paid it right away, as I always do. I spoke to Bank of America again today ( XX/XX/XXXX ) and was informed they will not drop the fees and they can not reverse the credit reporting. I went ahead and paid the fees, as I do not want my credit to be affected. Is there anything to fix this issue that has drastically plummeted my credit score?

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 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XX/XX/XXXX, my wife was laid-off from her job in hospitality, as a result of COVID-19. She was told by her employer that the furlough was indefinite and that, if she was reinstated, her pay would be reduced by 40 %. She was unemployed for 3 months before finding another job. As a result, we requested a mortgage forbearance under the CARES ACT.

Our mortgage lender, Fifth Third Bank, assessed our hardship and offered a 6-month deferment, which was agreed to over the phone. After the 6 months ended, the lender again offered another 6-month extension for our deferment, which again was agreed upon over the phone and officially recorded. 

In XX/XX/XXXX, we contacted Fifth Third Bank and agreed verbally to a work-out plan placing the balance at the end of our final pay-out to our loan. As with the first work-out agreement, this was recorded over the phone and purported to be official. 

In XX/XX/XXXX, we resumed making our scheduled payments to the lender. 

In XX/XX/XXXX, the Fifth Third Bank claimed that our forbearance was " On Hold, '' they were reneging our agreed upon work-out plan, and they were asking for complete payment of deferred payments from the last 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
ChexSystems reports to banks and credit unions that there is a security freeze on file. I have removed my fraud alerts from every company involved. Also I never had a freeze with ChexSystems. I dont appreciate the employees half doing their jobs by stating that I dont have a freeze with ChexSystems but fail to realize that credit unions and bank say otherwise.

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 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Strategic Alliances, Inc.
State: NJ

Complaint narrative:
On Friday, XX/XX/2021 I was contacted by First Financial Asset Managment. I was told that I owed money due to an accident that I had. I was lead to believe that if something wasn't done that there would be legal action taken against me. I was told to take the weekend and figure out my finance and callback in. 

On Monday, XX/XX/2021 I called back to First Financial Asset Management and I was told they refused to acknowledge that they were in fact a debt collection agency. They continued to say that they work for XXXX and they were simply just trying to confirm the balance and make arrangements on my account. I then said to them that if they are attempting to collect a debt then they are in fact acting as a debt collector. I was told that they did not have to follow the FDCPA, which was why they continued to make false and misleading statements. Instead of stopping the activity they lied about who I was speaking to and refused to transfer me to a supervisor. 

Finally, when I was transferred to a Supervisor he hung-up on me because he refused to take a {$5.00} payment over the phone. He stated that the minimum amount he can take over the phone was {$50.00}. This is after the employee said the minimum was {$100.00}. The company wanted me to set-up {$75.00} payments for two months and then they discuss other options later down the line. I told them I wasnt interested in doing that because my financial situation would not allow me to pay that much. 

This company is full of collection bullies. They spend there time trying to make themselves sound like lawyers and trying to set the belief that the matter is going to escalate when that wasn't what they were hired for. They use deceptive wording such as " claim number '' when in fact the account number is a file number in their office. 

Please request access to all calls. Even when they were told of my intent to file a complaint they didnt back off. Instead they got angry and hung-up on me. 

Please stop this company from abusing consumers!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My bank, Chase, encourages the use of the bank 's mobile app. The app provides access to XXXX for secure payments. I used this feature in Chase 's secure mobile banking app to transfer funds to a fraudulent website via XXXX becuase I was displayed a big green check mark when sending the funds. I never received the goods as agreed and my bank refuses to accept responsibility for verifying the legitimacy of the recipient. 
I paid {$800.00} to XXXX via XXXX. 
XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
I see an accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I contacted PHH Mortgage on XXXX informing them about acc number change for my automatic payment withdrawal.. Gave all information of new account number including account number and routing number .. Fully knowing it would take a while to input new information into their system I NEVER ever told the employee not to withdraw XXXX  s payment from old account .. Someone at that bank made that decision for me .. When I noticed payment was not withdrawn I contacted them wanting to know who made that decision for me .. They are looking into that but I did not still receive an answer two months later.. That decision sent my account into downhill spiral.. They are instead of providing me an answer sending me a bill for XXXX XXXX late charges and threatening to report me to credit rating company.. I have since send in 3 payments one of which they deposited on XX/XX/21 ... I wrote to them ... called them numerous times .. as they are still working on it .. Only response from them is late charge and threatening.. I do hope you can help me ..and thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This complaint concerns a billing transparency issue. QVC 's credit card, " QCard '' through Synchrony Bank offers a Promotional Financing option with deferred interest provided monthly payments are up to date. The billing statement gives a summary every month detailing the remaining promotional balance in a separate boxed area. No where on the billing statement does it say how much the payment is per month. The customer has to divide the original charge by the number of months financed to figure out the monthly payment ( as instructed by QVC Customer Service ). Furthermore, the Account Summary each billing cycle includes the total remaining balance of the deferred financing item in the New Balance ( payment due ). Each month the consumer must subtract the remaining deferred balance from the New Balance, then add in the monthly amount due for the item. The billing statement does not note the starting balance of the item, you have to remember the amount from your first bill. XXXX has a similar deferred balance option, and their bill CLEARLY states what is actually due ( New Balance includes the financed item ) and Interest Saving Balance ( the actual amount due ). You do not have to remember what the monthly payment is for the deferred finance item, do the math to come up with the actual amount due. I have complained to QVC to no avail.

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 2021-05-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank offered me a Covid deferral on my account and stated that all payments and interest would be deferred without any negative credit reporting or fees. I was in deferral for two three month periods, XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. In late XX/XX/XXXX, I discovered that Wells Fargo reported four of those six months as 30 days late. After two attempts to have them correct my report, still no corrections have been made even though it is clearly documented in their system that we were in deferral. All fees and interest were credited back to the account but they still have not corrected the credit report!!

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 2021-05-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

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 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax who is a third party agency willing and knowingly violated Fair Credit Reporting Act ( FCRA ) 15 USC 1681 a ( 2 ) as defined below in section ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

1. ) EQUIFAX NEVER GOT WRITTEN CONSENT TO FURNISH THE INFORMATION LISTED FOR ME FOR THIER COMPANY!!!!! I XXXX asked Equifax to delete the consumer report information that they have for me but they refused and blantly are violating the federal law stated above ALSO, EQUIFAX ALSO violated FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 15 USC 1692 g.Only a consumer which is me XXXX XXXX can validate a debt IF IT ACCURATE OR INACCURATE and no other person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I tried to order my free Equifax Annual Credit report online via XXXX. I was unsuccessful. I was successful in ordering my free reports online that day for XXXX  and XXXX. I received the following message regarding Equifax : We are not able to deliver your free Equifax Annual Credit Report online. I advised the XXXX site via feedback that I was unsuccessful. I received a letter from the ACR.com site stating to order via mail or XXXX. On XX/XX/XXXX I tried again to order my free Equifax report and thought I was successful in ordering via the phone number XXXX ; as I received a message when done stating it would be mailed within 15 days. On XX/XX/XXXX, I still had not received my free credit report from Equifax, so I advised the XXXX site via feedback that I was still unsuccessful. The XXXX site sent me another letter stating to order by mail or the XXXX #. I tried to contact Equifax but there is no email address, phone number or online form to advise them of the issues. I searched the Internet as well and everyone states it is impossible to contact Equifax for assistance. So on XX/XX/XXXX, I tried again to order my free Equifax report online. And was unsuccessful. I received the message : We are not able to deliver your free Equifax Annual Credit Report online. Even though again, I answered all questions correctly. I had all the information needed for the Equifax report from my reports from XXXX and XXXX, but Equifax online would not accept. I will not send my SS # or copy of my DL or any other personal info via paper via the XXXX or XXXX, etc as that is just asking for my personal information to be breached/hacked and opening up to fraud. I should not have to anyway as TransUnion and Experian both worked perfectly. Equifax should know this from their experience in XXXX regarding personal information breached/hacked. I want my free Equifax Annual Credit Report just like XXXX and XXXX provided. I therefore am requesting assistance from the CFPB please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I told Bank of America, of my pending class action suit after my cars engine locked on me, no fault of my mine own, and the car is deemed totaled unless I buy a new engine. Ive contacted BOF on many occasions over the months and never received any replies ... only my payment is due each month.

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 2021-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am receiving collections on Auto Loan that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Cap1/Saks 5th Ave XX/XX/2021 Cap1/Saks 5th Ave XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
HI. CONVERGENT OUTSOURCING XXXX ; I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists ... ... Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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