vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
My brother was served with a summons with his name and my name listed on the summons. After receiving the information my brother called to inform me I was being sued. My brother shouldnt have been served with any sue paperwork for me. Wakefield and Associates Inc. ( WAI XXXX violated the FDCPA ( Fair Debt Credit Practice Act ) # 805. Communication in connection with debt collection. 

WAI also violated Act # 807 False or misleading representation. On XX/XX/2020 we appeared in court and I was presented with documentation stating they are suing me for {$3300.00}. In total there were 10 pages. The patient responsibility totaled out to XXXX. I have sent a copy of all documents to the Federal Trade Commission to give a more detailed understanding of my case. 

On XX/XX/2020 I was never given any type of consent form showing I signed for my information to be shared, which violates HIPAA policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I am wrote them in response to their letter dated XX/XX/2020 as an Outside Counsel to XXXX   XXXX XXXXXXXX XXXX. 
The information they provided was not the full history, its partial information. They did not validate enough information, I asked to provide from inception. I see inaccuracies on the statement. I am not in possession of that card in several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Direct Mediation
State: TX

Complaint narrative:
Got a text message early today from phone number XXXX, saying I had to contact them about a failed bank transaction and that it was urgent for me to call them. 

So I called, and this guy by the name of XXXX XXXX answered, without identifying the name of the company not giving me a debt collection warning or anything. He was asking me to confirm my information, which he had already in hand ( name, date of birth, social security number, place of employment, and old bank account info. ). He was also being very rude. I kept on asking for his name and the name of the company and he would say it very fast and would get agitated. I told him I think youre a scammer and he went off on me. He started screaming at me, saying that it was a shame that Im a cop and I cant pay a {$400.00} debt. And that he was going to give me a courtesy, but instead he threatened to file a lawsuit for  harassment and file criminal charges against me. 

He also stated that the debt was from a company called XXXX XXXX, and that he was representing them. I would repeatedly ask for his name and the name of the company he worked for and he rudely told me Learn English! And grab a pen!!!!. I was very offended by that. Rude and unprofessional! He stated he worked for a company called First Direct Mediation, based out of XXXX, NY. I also kept on asking to speak to his supervisor or manager and he was saying he had no supervisor or manager, that he worked for himself. All while raising his voice at me. I was at the doctors office on an appointment when this call happened. I told him I had to hang up because I was going to see the doctor and he still acted rude towards me and hung up on me. 

I then immediately searched in XXXX the name of the company and found the website and called and asked to speak to a manager. My call was transferred to a a gentleman named XXXX who identified himself as the operations manager. He seemed more reasonable and respectful. I told him about what happened and I asked if an individual named XXXX XXXX worked there. He confirmed to me and apologized about Mr. XXXX behavior. I also advised XXXX that I will be reporting this to an attorney at a consumer law firm. He apologized once again and said he will listen to the recording of the call with Mr. XXXX. 

I have spoken to an attorney at a consumer law firm and they will be taking action and investigate further into this company and the actions of XXXX XXXX. 

I submitted this report to the CFPB for record and so the CFPB can also see the abuse of debt collection companies and not much is being done about it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CA

Complaint narrative:
i have file disputes on XXXX XXXX and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
Trying to link PNC bank with XXXX app, digital assets. Unable to do so XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
XXXX sent an email to my daughter today about the bill I owe them and information about my. My daughter does not have the same email nor does she live with me her email is XXXX mine is totally different. When I received a call from her today asking me if I owed XXXX XXXX I felt violated and do not believe they had a right to do so. She did email them back and let them know it was not okay to be contacting her with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
While applying for the PA CARES ACT, i am a small busniess wirh all my accounts at PNC, im being told i cant link my account to receive funding!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
" Portfolio Recovery " has been calling me everyday sometimes multiple times a day about collecting on a 4-5 year old debt. ( and maybe others XXXX. I'm awaiting important phonecalls so i have to pick up every call i get. And it's always someone from " Portfolio Recovery ". Sometimes they won't even say who they are and tell me they can't give me that information unless i tell them who i am ... Last time i spoke to someone i told them are you seriously harassing me during a pandemic? To which they replied " we are not harassing you ''. If calling multiple times a day from different random numbers is not harassment then what is?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We have been trying to close an existing account for a HELOC. The home has been sold and we are having to cover the amount of the HELOC through an escrow account until the bank gives us a letter that states the account is closed. We originally tried to contact the bank Friday XX/XX/2020. We waited on the phone for approximately 1.5 hours in the morning and again in the evening without getting through to a representative. We again called on XX/XX/2020, Monday morning, with the same wait time and no contact with a customer representative. We made an appointment at a local bank for XXXX XXXX on XX/XX/XXXX and local loan officer could only call the same number we had previously called and informed us wait times were 1.5 hours or longer and he could not help us close the account. We finally reached an agent the evening of XX/XX/XXXX and explained that we wanted to close the account. We paid a {$25.00} fee to close the account and were told the account would close as soon as the fee cleared but that may not happen until XX/XX/XXXX due to a system update. We explained that we were closing on XX/XX/XXXX and asked could anything be done to speed the process. They stated the issue would be sent to an escalation team. We called back on the morning of XX/XX/XXXX to see if anything had been achieved and were informed nothing could be done until XX/XX/XXXX when the update was complete. We went through with the closing and had to place {$50000.00} from the sale of the home into an escrow account to cover the HELOC not being closed. After confirming the fee had cleared our account, we called back on XX/XX/XXXX to see if the account could be closed. We were again informed that there was issues with the update and they were unsure of when the account would be closed but they would make sure ( once again ) that it was sent to an escalation team. We have continued to call back with repeated wait times exceeding 1.5 hours with no answer from representatives or receiving auto-messages that they are closed and to call back during normal hours up to XXXX when it has been XXXX or XXXX XXXX when we called. It is now XX/XX/2020 and more calls have been placed without speaking to representative and only being able to leave a message after 2 hour wait. We need the account closed to receive the funds from escrow as we are closing on our next home. Any help would be greatly appreciated. 

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 non-monetary relief
Consumer complaint received 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : XXXX XXXX  Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account. 

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was deployed. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # 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 2020-08-11 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: CA

Complaint narrative:
To : XXXX XXXX  Dispute Equifax  RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account. 

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid. 

3. That the debt you say I owed and this account was setup, funded and used by me while I was XXXX. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CA

Complaint narrative:
To : XXXX Experian Dispute XXXX RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you a

re obligated by law to remove the item. There is a clear case of unverified debt here, and I

urge you to remove this item before I am forced to take legal action.

1. Please provide my written signature or valid proof that what your claiming is in fact my account.

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid.

3. That the debt you say I owed and this account was setup, funded and used by me while I was deployed.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue  you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # 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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
" XXXX XXXX " has been calling me everyday sometimes multiple times a day about collecting on a 4-5 year old debt. ( and maybe others ). I'm awaiting important phonecalls so i have to pick up every call i get. And it's always someone from " XXXX XXXX ". Sometimes they won't even say who they are and tell me they can't give me that information unless i tell them who i am ... Last time i spoke to someone i told them are you seriously harassing me during a pandemic? To which they replied " we are not harassing you ''. If calling multiple times a day from different random numbers is not harassment then what is?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MI

Complaint narrative:
I opened the account at the in XXXX and my open date was changed along with statement information such as deposit amounts and credits within the bank. I just as called by the personal banker at heineins XXXX Ohio branch to come back and sign another document to verify identity of me being the owner of the company when the information was provided at the beginning this was around about XX/XX/2020. I advice him that I had signed this document already but signed again anyways. He stated that they didnt have it and needed it signed again and resubmitted. Then on XX/XX/XXXX I experienced a decline with the same account was told to call and I spoke with someone and he stated that it came up that I was in California and I wasnt. I couldnt make transfers to access my money and I wasnt told anything but to call my branch. I called my branch and spoke with my personal banker XXXX and he said he didnt see anything wrong with my account and that he would issue me another card but when I tried to use it. It came back decline again while the branch was closed I called the XXXX number and the lady told me that a representative named XXXX closed my account and it says that he needed more information on the business. I am very disgusted with whats going on and would like XXXX to stay out of my account or whomever is deleting documents that verify the business that is available in the state website by the way

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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: VA

Complaint narrative:
This complaint is about : XXXX XXXX Loan Officer XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, VA XXXX T : XXXX | NMLS # XXXX My friend and I have been looking for a mortgage lender to finance our next property. We came in contact with Mr. XXXX XXXX, who's a loan officer. Mr. XXXX asked us for our financial documentation unlike other mortgage lenders who would simply ask for SSN,  name, and DOB to pull credit information. He demanded that we must provide him with our 2 years of tax returns, W2s, and latest pay stubs in order for him to pull our credit and qualify us for a mortgage. 

However, after we followed up with Mr. XXXX for the mortgage estimates, his demands gotten more absurd. He now wants us to sign a commitment letter before he shows us the figures he is offering. The commitment letter states, that after signing if we happen to find a lower interest rate and decided not to pursue the financing with Mr. XXXX, we will need to pay him {$1000.00} in fees. 

We have spoken to Mr. XXXX several times but he never mentioned this was supposed to be their company policy. Even when he was pushing us to send him all of our financial and PII information he did not mention that we had to sign a commitment. 

Mr. XXXX has wasted a lot of our time and in the end, he didn't even give us the numbers he promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation