vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and XXXX distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Student Debt USA, LLC
State: GA

Complaint narrative:
After not receiving the results I was expecting from the servicer assigned to my loan, I called Student Debt USA after seeing their Ad on the evening of XX/XX/XXXX. I spoke with XXXX XXXX. I told her about the student loans my husband and I have and asked about the PSLF program. We were advised to consolidate the loans. I have learned ( now 4 years later ) that this was bad advice since consolidating our loans disqualified me from receiving forgiveness for my loan. I am a XXXX and my husband is self-employed. I am now in the process of trying to undo this. About a month of doing business with Student Debt USA I made attempts to contact them but could never get anyone on the phone. When I finally spoke with XXXX XXXX, I told him that I did not appreciate doing business through text messaging. When I call them, I expect to get a call back. After numerous complaints to them about this, I continued to receive text messages and emails in lieu of a phone call. Whenever I call I get a voice message. Whenever I email, I receive an immediate message that says " Hi there! thank you for your recent inquiry with Student Debt USA. " We have received your email and will be in touch within 24 business hours. You can also text us at XXXX or call us at XXXX. Thanks, and please see our special referral offer below to make some easy cash! Regards, Student Debt USA '' I have filed a complaint with the XXXX on XX/XX/XXXX and so again I learned that this doesn't hold them accountable as long as Student Debt USA provides a response of which they did on XX/XX/XXXX. The only time we would hear from them is when it was time for recertification but if we ever have questions that is the problem. 
I sent an email to XXXX on Wednesday, XX/XX/XXXX and to The Processing Team XXXX on Thursday, XX/XX/XXXX. Today is Saturday, XX/XX/XXXX way pass 24 hours and I have yet to receive any response. I have tried to reach them at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife and I opened accounts ( checking and savings ) with Wells Fargo in XXXX. We eventually added credit card accounts, a business account and a business line of credit. Wells Fargo, for reasons unknown to us, closed all our accounts in XXXX of XXXX. To the best of our knowledge, these account were all in good standing from their creation to when they were closed. 

We have made several efforts to resolve this issues or at least get an explanation to why this action was taken, even suggesting to them that this may have been an issues of a mistaken identity. Our last complaint to Wells Fargo was in writing dated XX/XX/XXXX. We received an unsatisfactory response dated XX/XX/XXXX. 

We want an explanation as to why they closed our accounts. Copies of these correspondences are attached to this complaint.

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 2021-03-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I had call this company about the unauthorized inquiries on my report. they refuse to delete them, i have sent the copies of a police and FTC report certified and someone sign for them but they insist they don't have them. i don't have any accounts associated with these inquiries and they wont delete the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A damaged couch was delivered and returned to company. Chase will not take the charge off of my account although documentation was provided showing the couch was damaged and returned. Chase is charging me for a product I never received as advertised. In addition Chase gave a deadline of XX/XX/XXXX for documents to be sent. However closed the dispute prior to the XXXX stating it takes 3 days or more after documents are sent in to be reviewed. Chase is non- complaint with their own process. Holding the customer accountable for their delays in reviewing documentation sent. When I complained. Chase gave me a email to send proof ( XXXX and after 5 days ( sent in XX/XX/XXXX ) Chase still has not acknowledged receipt of files. Chase received no proof from the furniture company of their claim but sided with the furniture company for XXXX even though I have NO Product. Chase is allowing a XXXX company to scam me and make me pay for couch I dont even have. I cant sue the company i. the XXXX because they dont have a business here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am accusing SLS Servicing of Disparity Treatment. I am requesting an inquiry of how many people / loans the company has unilaterally offered a Modification without documentation vs documentation. How many people have been affected by the arbitrary judgment of the individuals in loss mitigation. 
SLS states to send an offer of a modification which was not received, and to not extend it. 
I am asking CFPB if an audit has been made for this company. 
I have a recording of SLS which stated my payment had been received and a statement stating it was not received and it was applied the following month. 
I have XXXX XXXX screenshots / PDF and recording that they refused to take a payment and had transferred the loan without the 15 day requirement. 
I also have XXXX XXXX send me documentation about another customer and their internal records and modification. 
I have documentation of the original lender not following proper loan origination, servicing and FDCPA practices. it has yet to respond to my original request via the CFPB complaint. Is this not of CFPB concern? 
let me know where I am to forward the over 100 pages of illegal practices. 
This is bad practices and bad faith on not 1 but 3 lenders/servicers by transferring the loan 6 times in under 12 months.

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 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: VW Credit
State: IL

Complaint narrative:
I had a car along with Volkswagen credit the car blew up if you see any news in XXXX theres a major issue with Volkswagen cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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.

Complaint narrative:
A different name is showing on my credit report which is affecting my credit rating. The name is very similar with a different middle name but at the same street address not correct flat number. I spoke to clear score and they told me to delete my account and re apply, I did this and the other persons details are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
A few days ago I requested my credit report and I was surprised that this American Account Adviserds company was reporting information on my credit report without first verifying the account and without notifying me about this charge. If I did not open my report, I would not find out about the existence of this account, which is total abuse against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am currently paying my student loan and have been as a direct debit, but my payment is still going to principle AND INTEREST, where I understand the full amount of my payment should be paying down the PRINCIPLE only ... and this is not happening. 
I called twice and both parties said I will get a call back ... and no one ever did. All my payments we never late ... and since covid issue ... I continued to pay every month ... its not fair I'm being charged interest as many are NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: FL

Complaint narrative:
Ive called multiple times trying to get information on this particular account thats being said its mine, which isnt mine, not sure why, the company has told me multiple times they have no information about me having a credit card with them or ever having one

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 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover is claiming that I voluntarily enrolled in their " Payment Protection '' back in XX/XX/XXXX when I first signed up for my card via online. I can confidently say I have never consented to this " benefit '' and was requesting documentation of my disclosure when I first signed up for their card when they were offering this. 
I spoke with multiple Discover representatives on XX/XX/XXXX and they stated that this " Payment Protection '' plan was a benefit that used to be offered, but is no longer offered to new customers. They did not provide a date when Discover had stopped offering this benefit to new customers. Seeing as though this is something that is not offered anymore, but used to be offered in the past, I requested documentation of my enrollment and consent for this benefit. 
One supervisor representative in UT ( via phone call XX/XX/XXXX approx. XXXX CST ) stated that they have record of my online Discover application from XXXX. I requested proof of this application or any proof that would have indicated that I voluntarily accepted and consented to having this benefit charged to my account. They denied this request. 
As a customer, I believe I am entitled to enrollment documentation. I have been charged for this benefit I have no proof of consenting to for 10 years and accrued charges on that I never enrolled in. If there is no proof of my voluntary enrollment of their " Payment Protection '' then I would conclude this as a deceitful practice which resulted in unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 my checking account was charged {$250.00} for a service i did not authorize. This was for a local hair salon, i reached out to my bank filed a dispute, dispute was denied. XXXX XXXX XXXX in XXXX is who charged my account and i was told i could reschedule for another day, and she has the right to charge my account. Bank of America denied my claim, after indicating what happened and that i never authorized nor did i receive services. 
There was no way i would have been able to authorize such thing as I was quarantined at home, was XXXX XXXX and now being charged this ridiculous amount plus an overdraft fee.

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 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is a second compliant What happened is that I submitted a compliant not too long ago and when they responded the compliant they just sent me a letter basically saying that they where still investigating my case and they gave me a phone number with an extension and a name of the person that would handle my account ( XXXX Ext : XXXX XXXX XXXX XXXX I called twice and got no answer so I called directly to midland and spoke to XXXX XXXX XXXX XXXX who put me on a wait for XXXX because she was on another call and she's the only one allowed to work on my account and then after a long wait XXXX gets back to the line and tells me that XXXX is out of her desk and once again I am still not getting any useful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I had a car along with XXXX credit the car blew up if you see any news in 2014 theres a major issue with XXXX cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help

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 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Both of my credit cards were cancelled today, without notice or warning, due to returned payments as a result of autopay. This is despite the fact that my payments are always made in full and both of the accounts are in good standing. By not providing any warning or recourse of such an event, Capital One harms consumers that may need these credit cards as a lifeline, especially in a pandemic. It is the responsibility of the bank to warn the consumer of any potential closures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20 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: NV

Complaint narrative:
I had submitted this information a couple of months ago. These are not my debts, nor do I have a contract with any of them. Please refrain from these companies reporting to my credit report as it's hindering me from attaining a house loan. Again, these are not my accounts so please remove them.

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