vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: DC

Complaint narrative:
From XX/XX/XXXX to XXXX XXXX I online dated this person mentioned below. His name was XXXX XXXX  XXXX or XXXX XXXX. : His most recent mobile number that I sent numerous texting messages to was as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX - Outdated Mobile ( XXXX ) XXXX XXXX XXXX  XXXX -another old disconnected mobile number ( XXXX ) XXXX XX/XX/XXXX, XXXX I remained in the relationship with XXXX XXXX and was scammed by him ; XXXX XXXX XXXX never met him either, but he said he was XXXX XXXX XXXX PERSONAL stockbroker ), was the person that got my information and when he sent the checks that he ordered checks ( 2 times ) ( fraudulent conveyance ) on an account he created with my name on it ( so he says ) at the PNC Bank XXXX I never received any of this money, nor cashed any of the checks, although I tried the online bank declined me for Deposit that would have covered my tuition, books, incidentals of {$19000.00}. but the PNC Checking account # was XXXX for one account ; XXXX XXXX - Mobile # XXXX XXXX XXXX XXXX and it was PNC # XXXX XXXX Routing # XXXX XXXX, for the other account. 
XX/XX/XXXX - I received an invoice from XXXX, in the amount of {$28.00}. 
We were dating, so I asked him to pay my tuition for XXXX XXXX, which I have been attending since XXXX, but switched the school I was originally attending because I could not afford to pay such steep fees. 
I attended XXXX from XXXX to XXXX and was paying to finance it. 
I am now attending XXXX since XXXX - Present. 
Therefore, I asked the aforementioned boyfriend whom I never met to fund my tuition, so he said OK, that he would be willing to it. Therefore that's what I believed he was doing the PNC money for my tuition. But now I believe he was not real all those months and days, ane year that has passed, I now believe that he was a fictitious and fake person, that made up his identity. He set up an account and had checks mailed to me, of which I shredded, afraid to use them because I was being scammed, and had been issued fake checks to go to prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Law Offices of Robert J. Colclough, III
State: KY

Complaint narrative:
After viewing my report I have seen accounts that I have never applied.

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 2021-05-11 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: PA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.

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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I sent letters to Credit bureau stating this account is very old from year XXXX which should be off my credit report account they are Re-aging XXXX account # XXXX the year they have on my credit report XX/XX/XXXX on my credit report it comes off XX/XX/XXXX it should have been off my credit report years ago company name Convergent outsourcing 7years to report this company is reporting wrong information they re-aging this account they sent back letters saying its Verified

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 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I called the company who is in charge of my loan they told me that I would have to send them proof of being in the military/ my military orders. I sent them then I called they said they had never received them so I sent them again they said it would be updated in a day or two has yet to be updated and its almost been a month. My APR is 21 % but since I am in the military it can not be over 6 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have written many emails and did call several time. No proper help. My money is stuck since XXXX. I need help. I havent managed my coinbase account yet. They are a scam. Please help. The amount is now mear XXXX pounds. It still shows account restricted and I can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Last year in XX/XX/XXXX, I reached out to Harvest Associates Inc., for the XXXX  time regarding XXXX inaccurate and erroneous accounts : the XXXX account in the amount of {$660.00} for services they claimed was rendered on XX/XX/XXXX and the XXXX account in the amount of {$620.00} for services they claimed was rendered on XX/XX/XXXX. Both inaccurate and erroneous accounts are listed on my credit report. I previously sent Harvest Associates Inc., a letter explaining to them that both of my insurance companies did not receive any claims from Harvest Associates Inc or the original creditor XXXX XXXX XXXX. My primary insurance company XXXX. My secondary insurance was with XXXX which paid for any additional expenses my primary insurance would not cover. I contacted via phone both of my insurance companies and they stated to me that no claims were submitted to them for either {$620.00} or {$660.00} amounts from Harvest Associates Inc and/or XXXX XXXX XXXXXXXX. I even sent another letter to Harvest Associates attaching a copy of both insurance cards requesting them to call, write and verify with both insurance companies that my plans were active on the dates they claimed I received services on. However, Harvest Associates refused to follow-up with either insurance companies. I also requested the validity and accuracy of Harvest Associates Inc., last investigation of both accounts. However, I received a certified letter back from Harvest Associates stating that : " we have verified with the creditor that services were provided to you, or you are listed as guarantor on the account. According to the creditor 's records, the balance reported is still outstanding. " Harvest Associates did nothing to assist me and never contacted XXXX or XXXX. So, both accounts went straight to collections with Harvest Associates after XXXX months of not ever submitting a claim to my insurance providers in the amount of {$660.00} and after XXXX months of not ever submitting a claim to my insurance providers in the amount of {$620.00}. Harvest Associates refused to remove both accounts from my credit report and the credit bureau claimed that they had researched both collection accounts and had verified that the items had been reported correctly. This is not true because I sent the credit bureau proof that I had XXXX types of insurances on the service dates and the account numbers listed on my credit report for both Harvest Associates accounts is listed incorrectly. The credit bureau researched, verified and kept incorrect and erroneous accounts listed on my credit report. Both accounts are listed with different agency names on my credit report and not reflecting Harvest Associates Inc. To that end, Harvest Associates even have the name of my street misspelled on their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I signed up for a promotion in XXXX of 2020 where HSBC would pay $ XXXX/mo for 6 months if I kept a minimum direct deposit amount of $ XXXXmo. The promotion was supposed to start paying $ XXXX/mo at about 2-3 months after opening a checking account.

I messaged them about 4-5 months after opening my checking account when I did not receive my $ XXXX/mo. They said that they could not give an answer about the issue until more time had passed from the start of the promotion. 

I messaged them again recently, and they now are saying that they will not honor the terms because I did not use their " Apply Now '' button on their promotional page. Their excuse is not true. Their promotional page is the only one that I used to sign up for an account. There were two different options with the " Apply Now '' button and I remember deliberating for a while between the options before deciding to use the button that matched with the $ XXXX/mo for 6 months.

This is a classic bait-and-switch from HSBC. They promised an offer, gave me the run around when I asked about it, and now are saying that they won't honor the offer after the promotion is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
Amsher Collection Serv XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX continues to add a fraudulent account to my credit report destroying my credit rating. I have student loans that are I deferment but my revolving credit is excellent. All my credit cards have been paid 100 % on time. I have disputed this and won three times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It has been added to my credit a fourth time. I have no knowledge of this account. The company can not provide any signed documentation nor confirmed identity that I created this account. I have no idea where this account t came from and I have not seen any documentation supporting their claim this is me because they do not have any. I want to file a complaint on all three credit bureaus as well XXXX, XXXX and XXXX this be removed and not be allowed to unfairly negatively impact my credit score for years and it does not belong to me. I have 60 months of on time credit payments but yet my credit score is under 600 how is that possible. I havent been late on a credit card in five years, I pay my bills when I am able.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I have requested 4 times this company verify the debt through disputes. this company is great at dodging requests. ERC has a habit of losing items in the mail and consumer never recieve them. 

I have looked up many legal dockets where this has happened. I am requesting they verify the debt through this method not by mail. This company re-ages debts to continue to harrass consumers. Also, when you send the verification response make sure to include all disclosures and my rights. 

Also, have someone proof read your response for any typos. wouldnt want that to be your excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been told that the reason my claim was denied was one of two reasons an one was that i stated i said i was a victim of scam an gave my information. This is false an have never said anything claiming that. The one time i only stated anything close to that was when i made an example to the worker i was on the phone with who i clarified with him more than once that it was an example. He than to make it seem as if thats what happened when i kept having to defend myself that it was an example of what could happen but not what did happen. i brought up more theories and ideas to other workers an they never had a problem an understood i was just trying to give ideas. To know he used an example as a fact just shows the investigating you did on my account was not credible. To make it so easy for fraud to occur an with nothing to happen other than the customer having to pay double what he lost is beyond pro-consumer. I want a reinvestigation into my account an i also want to know what service provider i am using that you have because it seems two people cant have the same provider nor use a XXXX or a XXXX proxy to change the information coming from the phone. I was a victim of fraud and you guys are allowing your customer to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021, I received a notification in my cellphone that I have a pending transaction in XXXX XXXX  App. As I check it there is a pending transfer and immediately I called XXXX XXXX using my cellphone and my cellphone can not doesn't have an outgoing call. So, i used my employer 's landline phone. And I check my other bank accounts chase and XXXX the XXXX have a pending XXXX transfer and Chase account is freezed. When I call chase, they told me that there is a wire transfer of two transactions of XXXX dollars, total of XXXX dollars. I told them it's unauthorized and that is not me. And they said I need to file a complaint or affidavit letter which they will provide. So the next day, XX/XX/2021. I went to chase branch near in my place and file the " forgery packet '' which they provide and sent it to them with the help of their local branch which confirmed they received it. And on XX/XX/2021, I went to the XXXX Police department to file a police report and send the report to chase to their local branch thru fax on XX/XX/XXXX and XX/XX/XXXX to resend the " police report from XXXX Police department '' and the form from FTC for the identity theft report and the form which I filed from IC3 online. I send the 3 supporting documents to them even they did not requested it. Since XX/XX/XXXX, every day I am calling Chase claim department just to make follow up of the status of my claim. I am so desperate that I need the money back to my account because I have so many obligations like mortgage and recently my son is XXXX XXXX and that cause me and my wife to XXXX more than XXXX weeks on XX/XX/XXXX XXXX. We are being depleted to our funds. And when I call chase last monday XX/XX/2021 to follow up again and they said that I need to wait for 5 business days after the escalation of the status of my claim for the fraudulent wire transfer of XXXX. I just received the letter from chase denying my claim that I reported on XX/XX/2021 and filed an affidavit or their forgery packet on XX/XX/2021 and send the supporting documents on my claim. On their letter they said that I benefited from this fraud. That is not true. My account from them is been compromised as well my other bank accounts and online monetary site like XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. All of them have refunded me and reversed all the fraudulent transaction happen on XX/XX/XXXX. And on XX/XX/XXXX, I received a letter from XXXX stating that my account from them have been compromised and unauthorized activity happen on that day, XX/XX/XXXX. 
PLEASE HELP!! I AM DESPERATE TO RECOVER MY MONEY IN OUR BANK. ME AND MY WIFE IS WORKING IN THE XXXX AND THIS THINGS HAPPEN. CHASE DECISION IS WRONG! PLEASE HELP US!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I went to the bank because I could not get into my online account. I tried using the XXXX number but they said the date of birth was wrong that I was giving them. I went to the bank location and each time I try to reset my password I was told there was too many attempts by the app. I had to stand in line several times for almost 3 hours trying to get this straight. I tried to go online again at home because the banker told me to give it some time and it said the same thing. 
I attempted to go into my account again and it told me too many attempts and this was my first attempt in about a month. It said to call the XXXX number. The representative who answered my call had the audacity to say this is a males account and you sound like a woman. I asked for a supervisor and she closed the call because the automatic survey come on. 

I haven't had any sleep since yesterday because of death in the family and trying to get a flight out and a hotel reservation for almost 12 hours at this point. 

I am tired and frustrated and to add to that I feel that I have been a victim of XXXX discrimination. Who gives anyone the audacity or right to say how I'm supposed to sound and whether or not I sound to you like a male or female to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One Main XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX XXXX has made out a loan to me that seems to be fraudulent. I was not able to qualify for loan, but was made to use two vehicles as some kind of security. I now dont see them on my credit report and feel like I have been tricked into something very very wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX : Notice of Intent to Sue Dear Santander Consumer USA, This letter is to inform you that I have a claim against you On XX/XX/2021, for the contract where information was not disclosed on my contract within the XXXX XXXX, and you have several violations. Therefore I am sending you this letter and I am serving you and giving you the opportunity to settle out of court. 

The Right of Rescission, Pursuant 15 USC 1635, 15 usc 1605, 15 usc 1611, 15 usc 1640, for actual damages you have caused, also 15 usc 1602 ( f ) ( g ) ( I ) ( L ) The claim has not been resolved and unless it is resolved within 15 calendar days from the date of this notice, I intend to bring suit against XXXX Santander Consumer USA XXXX for XXXX damages or specify relief ). Report a positive balance this month and every month after to the credit bureaus for the accounts to reflect in a positive standing currently after my title is given to me free and clear of any liens. Please send the title and total invoice amount to the address listed. I am seeking compensation for the damages. To resolve the dispute or claim, I am willing to settle this out of court with the following. ( settlement offer listed above ). This offer is good until 30 calendar days. Unless resolved in accordance with the terms of this letter, you will be served with my XXXX XXXX. 


Your attention is appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Well fargo has refused to pay me my account balance on 3 different occasions. I went in for a refund after my closed account and was refused a refund after being told to come in for one. I am livid and living in my car. That money is my only way to keep my car. I have been living in my car since the pandemic. I have a weekly payment set for Friday. I need that money today! Please help me so that I can get on my feet.

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