vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: MI

Complaint narrative:
Cfpb, Xoom has repeatedly discriminated against based on XXXX status. I have given them government ID, multiple pictures of credit cards for verification and they still discriminate against us for using their services. They have automatically locked us out based on age and gender. They have booted my husband for even using the service because he asked them why are they so XXXX and retaliatory if we do not use their preferred services ... my husband even has an email from them stating their retaliation for him removing a chase card from their account .... This is not right and needs to be addressed by a government agency. I work for government also, in policy administration and have never to this date seen the malicious process of ousting a united states citizens for using what they claim as a public services .... They have asked us for bank statements stating that united states government issued id 's are not sufficient ... This is a Rouge entity trying to mimic a financial institution harming and not helping its citizens.. I respectively ask a full investigation into xoom for its misuse of allowed business practices. This behavior has been going on for 1 full year now & NEEDS TO STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TX

Complaint narrative:
I have disputed the account with XXXX several times. Due to not receiving any evidence that the account reporting was correct, I continued to dispute. The credit bureaus subsequently declined to further investigate based on the initial investigation. It is my legal right to receive verification that a debt on my credit report is mine. Despite the fact it is showing a paid collection, I need to see verification that this debt was initially mine.

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ] Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX  XXXX-Alabama Account XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-JP  Morgan chase Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX XXXX-Alabama Account number-XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX XXXX XXXX Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Early Warning Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME Email-XXXX Contributors-XXXX XXXX-Alabama Account number-XXXX  Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX  XXXX XXXX Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and XXXX XXXX XXXX, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME Email-XXXX Contributors-compass bank-Alabama Account number-XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX XXXX XXXXXXXX Account XXXX Routing # XXXX FRUAD EMAIL USED-XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have never been in activity on this account or another account not consistent with capital one expectation or customer agreement. I called and ask can I get some type of help cause my payment was impacted by Covid-19 and they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage was with XXXX lending Loan care originally and I had called them during the COVID Pandemic crisis and let them know I wish to apply for forbearance which they had said they would look into it and has verbally agreed that I would actually be qualified for 180days period and they would discuss closer to 180 days for further extension if need be so due to my financial hardship.But after couple of week my mortgage services was switched to a new company PHH mortgage company.I had  to reapply for forbearance again and this time they only gave me 3 months for forbearance and have asked me to do a balloon payment at the end of the period Without giving me any options nor did they discuss any other resolutions. I am not happy with the current service provider and wish to have my original servicer to take care of my mortgage needs.If mortgage companies decide to switch companies amongst themselves there should be some discounts to the consumer as this is a ploy to harass us!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA terminated my account for filing a complaint for turning me into debt collection and terminating my account without cause. My father fought in the Korean Wat which is why I had an account with USAA to begin with. However, much like the VA USAA has decided under its new CEO to treat members of veterans like trash. I have attempted to login to pay towards my credit card and now I cant even login and I get letters from USAA that prides themselves falsely so that the take care of veterans and their families that I better pay or else. This conduct is outrageous and constitute harassment. Do something about it or I will turn it into the Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CA

Complaint narrative:
I sent a method of verification to to Experian and i didn't get no response. I have sent 2 letters and this is ridiculous. I am up freaking upset because my credit report is reporting inaccurate information and it affecting my life. Its been more than 30 days and they had 15 days to verify or they must delete by law and they didnt do either. So this is violation based on my research of the FCRA law. Next i will be emailing the attorney general with this issue because this isnt fair. I know they recieved the letters and didnt do anything to verify the accounts which is a violation.

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 2020-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have a loan with SANTANDER CONSUMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   SANTANDER CONSUMER with no successful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-07-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was laid off on XXXX, I filed my EED claim. 
When I call the bank asking for my debit card, what they do is to block the " card in transit '' and issue a new one. 
BOFA has issued 5 debit cards, each one of them per time I have called them  to request status of the Debit card and none of the 5 cards has ever reached my address. 
My address on file is correct. 
I have 3 months waiting for the first card they said they have issued but I have never received any. 
I need to access to my unemployment payment

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 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I got some calls on my cellphone. I goggled the phone numbers and they came back to Portfolio Recovery. The latest call was at XXXX XXXX at night PST. 

They do not have my permission to call this late. They have been calling from numerous numbers which they keep changing for a debt that is 6 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I believe this happened over 6 years ago. I took out a {$500.00} payday loan, repaid it before the due date, and that was that. Now, several years later, I attempt to cash a regular check at Amscot, and they tell me they can not due so due to my unpaid payday advance. This is ridiculous. Not only did they not credit my payment, they tried to force me into another payday loan. There is no reasoning with them. Due to COVID I was in need of a payday loan, and i can not get one because of AMSCOT. Now since this was sooo many years ago, I have since switched banks and moved to a different county. I do not have any documentation of that at all. Not even bank statements, I do not remember which bank i had used, but i am sure i no longer have that bank since i only have one bank and it is a credit union. I have no proof i paid them and they are saying i did not pay. There has to be a way to prove this. Please help and stop AMSCOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: WA

Complaint narrative:
I disputed a charge and the credit card company ( Bank of America ) issued a credit with a statement on its mobile app stating that if I don't hear back from it in 60 days since the dispute was filed ( XXXX XXXX, 2020 ), the credit issued by it is final. However, after 74 days ( i.e, on XX/XX/2020 ), the bank of america levied a fee ( corresponding to the credit issued, that is ~ {$1600.00} ) on my card saying that they have heard from the merchant and the collection is handled by another team, so they will charge me and not honor any 60 days commitment. The dispute notice on their mobile app to me clearly states that after 60 days ( i.e., after XX/XX/XXXX ) if I have not heard from them, the credit is final. See attached. 

When I reached out to them, the representatives didn't had an answer. Some of the representatives hung on me. After being juggled around from one representative to another ( ~almost 10 representatives in a period of 3 hours on the call ), one of the representatives said that I was wasting time and they can't do anything as another team handles fees and nothing can be done. 

I have since paid the fees, and due to lack of trust on Bank of America due to my experience with it, closed my credit card account. Terrible customer experience. Bank of America lacks customer obsession, and didn't think about long-term value from its customer.

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 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did not get {$25.00} cash back offer promised by Wells Fargo XXXX XXXX, and have called them multiple times during the weeks of XX/XX/XXXX, and kept getting inconsistent even illogic answers.

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 2020-07-22 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: AES/PHEAA
State: MA

Complaint narrative:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX 90 days lates. 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 check 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX/XXXX/20, It does Not slow me to connecy accounts with app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
First my ID and Social are attached so there should be no issues investigating my complaint. My identity is verified with information I attached. Please investigate and not closed complaint. 

Equifax refuses to update my credit report with information in a timely manner. Also With reporting the correct information. I have had to file 5 complaints in 2 years to get my information corrected. My last complaint was XXXX/XXXX/2020 about fraudulently reporting collection account. I used proof for my complaint from XXXX XXXX. XXXX XXXX allows me to know what Equifax is and is not doing with my credit report. 

Since my last complaint XXXX/XXXX/2020 Equifax is not blocking XXXX XXXX for access my account. There is nothing XXXX XXXX can do because this is blocked from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've continue tried working Experian to remove XXXX XXXX off of my credit file because it doesn't belong to me. But they continue to update instead of removing. I have no knowledge of this account on what Experian is reporting to me. I dispute the items and it updated within a day or two showing that they are taking it in their own hands updating the account. I ask for verification such as ID or signature for proof and verification. I get not result. I complain of there reporting schemes. What do I do when this company keep reporting false information about me? Please help resolve this issue. Did dispute XX/XX/20 results came back XXXX/XXXX/20 no changes or removal of false information.

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 2020-07-22 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: Consumer Portfolio Services, Inc.
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation