vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019 through XX/XX/2019, we received unsolicited telephone calls from mortgage lenders and brokers and other third parties who were soliciting us to refinance the mortgage on or property at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. We had no intention of refinancing the mortgage, and we had not contacted anyone about refinancing the mortgage. The lenders and brokers told us that they received information from Equifax Inc. that caused them to contact us regarding a mortgage refinance. We never authorized Equifax Inc to secure mortgage refinance offers from anyone. Equifax Inc. used automatic systems to unleash a barrage of telephone calls from lenders and brokers regarding a mortgage refinance, and in fact we received 30 telephone calls from lenders and brokers in a 48 hour period, all initiated by Equifax Inc. None of the lenders or brokers provided us a firm offer of credit. All of the calls from lenders and brokers were initiated by Equifax INc. We requested the CEO and Chief Legal Officer to provide us a list of all mortgage lenders and brokers to whom they had sent personal and financial information about us, but they have failed and refused to do so. We asked Equifax to tell us what information they provided to lenders and brokers, but they have failed and refused to do so. Equifax Inc. charges lenders and brokers a fee to provide them with information about prospective mortgage refinance borrowers even when the property owners have no intention to refinance. Equifax Inc has earned fees by disclosing our personal and financial information to probably more than 100 lenders and brokers since we received calls from 30 lenders and brokers in a 48 hour period. The disclosure of our personal and financial information to numerous lenders and brokers potentially subject us to identity theft, but Equifax will not disclose to whom they sent our personal and financial information for a fee. Equifax business practice and model as described violates the Fair Credit Reporting Act. We have sued Equifax INc in federal court in XXXX, but they secured transfer of the case to the XXXX XXXX of Georgia, XXXX Division. We will litigate the case with them as they have refused to make an appropriate and adequate settlement offer though we have made offers to them..Please investigate Equifax Inc. as this is intentional unauthorized disclosure of our information and is an intentional data breach by Equifax for a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Phoenix Recovery Group
State: FL

Complaint narrative:
This company has contacted my boss, and my mother trying to get a hold of me. They have told them both they're trying to get a hold of me and to call the number they provide. This is obviously just embarrassing. In the current letter I received they also stated and I quote " Should it become necessary for the original holder of debt to seek legal remedies against you for the above stated amount the debt holder shall not only seek the entire balance in accordance with the original contract due, but also legally applicable pre judgement and post judgement interest, court fees and attorneys fees ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Was solicited as an employee of CashApp I was told I was being offered a line of credit and a {$90.00} deposit was needed to be sent to the user XXXX XXXX. 

They ran off with my money, this is a scam, and the number I was called on from a XXXX number is no longer in service. Cashapp has not responded to 5x emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Usaa made several errors on my account when instructed to make a scheduled transfer of XXXX. 

They instead tried to pull XXXX Thereby holding XXXX for not being there And stealing XXXX in return fees which was actually my transfer. This means they stole my original transfer of XXXX and evaded paying it back as they chalked it up to return fees for a false number XXXX. 

I called and they claimed they just sent it back to my external account but they did not. Its not there. 
However they left a XXXX negative balance. On the form it says ( XXXX ) XXXX. 

There errors show on the bank report and reflect irresponsible behaviors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Meridian Buyer’s Group
State: TN

Complaint narrative:
I bought this car with a warranty and it falls under the lemon law and no one helped me try and fix the car. I even took it to XXXX when the alt went out and they still didn't do anything. I told them where the car was and they said " it's not worth it '' ... ... ... .... Soo??? I getting charged for a car that they don't think it's worth getting back. Total 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 2020-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The company Portfolio Recovery Associates has fraudulently placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company multiple times that this account is not mine as I have not signed a contract with them and the debt does not belong to me. This account is fraudulent and was made without my consent. They have sent no verification of debt or requested paperwork. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Portfolio Recovery Associates is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. This account need to stop reporting against my social security number and be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good morning, After a long relationship with Wells Fargo we have reached the point that we are totally disgusted with the treatment we are receiving. The straw that broke the camels back is a NEW {$30.00} service fee assessed to our checking account from the Wells Fargo Bank at XXXX XXXX XXXX XXXX. XXXX because our balance, for the first time ever, declined below {$25000.00}. We have NEVER received notification, by mail or in person, that this NEW and usurious fee would be assessed. While we plan to deposit funds in our account to bring the balance to {$25000.00}, until we have an opportunity to re-direct monthly pension and Social Security deposit transfers to our other banking relationships, and then close our accounts, we ask for your intervention in obtaining a refund for the {$30.00}. We are hopeful that you will give this important matter your prompt attention. 

Respectfully, XXXX and XXXX XXXX ( XXXX ) 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 monetary relief
Consumer complaint received 2020-03-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Back in XXXX I contacted Experian after going online to XXXX and looking at my credit report. I noticed there were 4 inquiries on my Experian credit report that were not authorized by me. Those inquiries included XXXX, XXXX and XXXX  XXXX. I contacted XXXX XXXX, XXXX and XXXX  XXXX and let them know I did not authorize any of them to pull my credit. XXXX, and XXXX informed me that they would remove the inquires. XXXX  XXXX informed me that when I was searching for a merchant account they pulled my credit apparently to approve a merchant account I was searching for. The problem with that is I didn't authorize the pull I just wanted information about the account. Not to have a hard inquiry on my credit report. I informed every merchant account company of this before the application process to run a soft pull or not to pull my credit at all if they could not do a soft pull. I contacted Experian as well and asked for the inquiries to be removed. Experian informed me that it would take up to 90 days to remove the inquiries. It has been past 90 days. I am in the process of trying to buy and or rent a house and these unnecessary unauthorized inquiries lower my credit scores. XXXX  and XXXX  don't have these inquiries on my reports, yet Experian does. I even asked Experian to note in their computer systems my requests more than once to remove these inquiries and they informed me that they did. Please help me get these inquiries off my credit reports. The only thing I can think of to do next is file a lawsuit against Experian for not removing the inquiries which are causing my credit scores to be lower than they should be making it more difficult for me to purchase or rent a home at this point. Please help 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 2020-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have vehicle loan through Westlake financial. Iwas in an accident on XX/XX/XXXX, and my primary insurance considered the vehicle a total loss. From XX/XX/XXXX through XX/XX/XXXX i was not able to get through to Westlake financial insurance dept . It wasn't until i started getting collector calls that i was able to get transfered. But even then i kept getting hung up on, the only time i actually got through would be when i got transfered supervisor to supervisor. But after a few times of that, the operator would siply not transfer me to anyone and just hung up on me. 
My primary insurance was ready to pay out 2 weeks after the accident. But i wasnt sure if i wanted to keep the vehicle or not. My desicion would be based on how much i would have to pay. ( whether or not my gap insurance would still be accountable and to what extent, since i was never given a copy of the contract ). 3 times i got through to insurance dept each time i was given a different response. 
A ) that no it wouldn't be responsible B ) that it would pay the the equivalent of 5 payments C ) that it would pay the remainder from actual value report from primary insurance. 
Since the answer kept changing i asked for this information in writing to be sent to me in writing. But recieved 3 different payoff letters with different payoffs on each, each one being less than the one before. Its been 4 months now and i still cant get through when i call, but the collection calls dont stop. 
Only now the operator always has a taunting/smirky voice as if to laugh at me and will not transfer me to anyone. I know that they have made changes to my contract without notifying me beforehand such as removing the warranty. And never notified me in writingn, but an operator let it slip.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
i already submitted a complaint - number XXXX i was called by wells fargo on XX/XX/20 and XX/XX/XXXX and was left a voice message by XXXX XXXX ? 
I called the direct number for XXXX back on XX/XX/XXXX, XX/XX/XXXX and XXXX and left detailed messages. i have not received one call back.

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 2020-03-04 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MI

Complaint narrative:
I have found no recourse with ERC and their deceptive collection practices. 

I had no idea about this alleged debt, {$930.00}, until I obtained a copy of my credit reports. Which means, I was never given the chance to dispute it within the 30 days of notice. 

I have requested validation at least 3 times 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX ... ... ... .and have every request saved. ( see attached supporting XXXX ) They send me copies of an old bill, addressed to a person with a similar name. ( see attached supporting XXXX ) If they continue to ignore my request for validation, I have no choice but to bring about legal action against both this egregious company and the Reporting Agencies -- who fail to provide the method of validation with this ERC 's claim that the debt is, indeed, collectible and reportable. 

For one, these ERC agents aren't using my correct name to collect this debt. Second, the packets they keep sending me, for whomever this debt belongs, have a time-barred status. 

I've contacted the original creditor as indicated on my credit reports in an attempt to resolve this matter. They have no record. I have not accepted any more mail from ERC because they are not mailing it addressed to the correct person. 

Until ERC provides documentation as outlined in the FDCPA that proves this as a valid debt, and belongs to ME, then at that moment, as the alleged owner of this time-barred, alleged debt, I'll execute my duties as a responsible consumer and request that they stop reporting on my credit account. Until then, I will contact every entity that holds records in reference to ERC 's business practices.

*** UNDER ANY CIRCUMSTANCES I REQUEST THE CFPB NOT REMOVE THIS COMPLAINT. REGARDLESS OF ANY OUTCOME***

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To whom it may concern, Bank of America has acknowledged they have {$190000.00} our our money as of XX/XX/2020. BOA daily assures is the funds will be released to our checking account.

We have in writing the money would be deposited by XX/XX/20, we still have no deposit. 
We hope you can help us recover our money, thank you for your time, XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX XXXX 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 2020-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: SC

Complaint narrative:
I began working for a 501 ( c ) ( 3 ) XXXX XXXX  organization in XX/XX/XXXX and have worked continuously at such an organization since that time. I have been making timely payments on my federal student loans via automatic withdrawal under an income-based repayment plan since at least XX/XX/XXXX. In XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF )  certification to XXXX, my loan servicer at the time. InXX/XX/XXXX, I received a letter indicating that my loans would be transferred to FedLoan. 

In XX/XX/XXXX, I received a statement from FedLoan indicating that I had made 67  qualifying payments toward the 120 necessary to qualify for PSLF. Because I believed that FedLoan had made an error in this calculation, I requested a life of loan payment history which I received from FedLoan in XX/XX/XXXX. This history showed, by my count, that I had made 87 qualifying payments as of XX/XX/XXXX. I emailed FedLoan in XX/XX/XXXX explaining my position and asking that they review my account, provide an explanation as to why any payments made were not counted toward my PSLF eligibility, and correct any errors that it found. In XX/XX/XXXX I received FedLoan 's response which, without explanation, indicated that the number of qualifying payments I had made had been reduced from 67 to 40. I contacted FedLoan and spoke by phone with representatives in XXXX and XX/XX/XXXX and, each time, was informed that my loan had been placed into paid ahead status some time during the preceding years and then subsequently removed from that status. Each time I spoke with a FedLoan representative, I was informed that they would conduct a review of my account and provide me with the results of that review in writing. I have received no additional information from FedLoan. 

I have never requested that my loans be placed in paid ahead status and have made no additional payments on my student loans other than those automatically withdrawn by my loan servicer. Each of those payments has been in the amount determined by my loan servicer under an income-based repayment plan. FedLoan has failed to provide any explanation as to how my account could have been placed into paid ahead status under these circumstances, has failed to explain how it determined that fewer of my payments qualified for PSLF after I disputed its initial count, and has failed to offer or make any corrections to may account so that I receive credit for the complete and timely payments that I have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I got closed all my credit card accounts with no legit reason, and I believe the only reason this was done is due to discrimination against me and my family, since everyone in my family got closed down with different nonsense reasons, I and my family had a long standing great relationship with chase and we always made payments on time and being shut down took a toll on me and my family, and ruined our reputation with our clients and community

Company response to consumer: Closed with explanation