vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Home Loan Center, Inc.
State: PA

Complaint narrative:
On XX/XX/2021, I applied for a loan through LendingTree.com. ( THEY are not the issue/problem. ) When doing so, I received multiple emails from different " banks '' stating my application/info has been approved. I clicked on the email that I received from " LendingTree '' and move forward with the process. I began to get emails and text messages from the Loan Officer, XXXX XXXX, who walked me through their process in order to have the {$5000.00} deposited into my checking account. I unfortunately gave them my login and password for my bank account. They then said that they had to 1st deposit {$1400.00} into my bank account, which would increase my credit score. I would have to then pay them back that amount immediately and then they would deposit the {$5000.00} into my account. When I contacted them about the {$1400.00} being deposited, they told me that I had to pay it back either using the XXXX XXXX or by purchasing XXXX XXXX XXXX. I immediately told them I was not comfortable with moving forward with them, and I contacted a rep at LendingTree.com this morning, XX/XX/XXXX. I explained to the rep what had happened and she tried to pull my email address up to see if 1 of their banks was working with me. No surprise, she couldn't find anything! She walked me through what I needed to do to be certain the scammers wouldn't be able to mess with my bank account any further. I sent the rep at LendingTree.com my emails, texts and documents that I have received by the scammers. 
As of now, the {$1400.00} is still in my bank account that the scammers deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Due to Covid we got behind on payments starting XX/XX/2020. We tried to pay and figure out options in XX/XX/2020 and the mortgage company has refused to talk to us. They also shut down my online account I was paying on. The mortgage company is Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: VA

Complaint narrative:
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : 1ST CRD SRVC, Account Number : XXXX. 
I would like for 1ST CRD SRVC to show proof of verification that I owe them {$210.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 XXXX took money out of my bank account without permission. They had no business doing so. The amount is {$64.00}. I do not accept this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America at XXXX XXXX XXXX XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of {$350.00} of collection has been past due. I have expressed to them multiple times that the overdraft was fraud and some stoped my card. Also my Id and social as well.

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 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021, I was a victim of identity fraud. I was called on my phone from USAA 's 1-800 number and told by the person on the other line that they were a representative from USAA and they had to place a hold on my card because multiple charges were being made in California. With this I went through the entire process with whom I thought was a USAA representative as far as stopping the fraudulant activity an so forth. They even had the capabilities to send me USAA codes that I had to read back to them. What triggered me to think something was off with the caller was that they told me they were getting a supervisor on the line to speak with me and instead they hung up. I immediately looked at my account and saw {$1000.00} missing that had been XXXX  to someone named XXXX XXXX. I called USAA and told them what happened and they realized this was fraud and connected me to the fraud & security department. Long story short, I went through the entire story with the department. They said I had been spoofed where someone used an app to make the call look like it was from USAA. During the call, the representative asked me was I on a XXXX  or XXXX. I told her I only use XXXX products & have never used a droid. She then said she see 's an XXXX  as well as a droid accessing my account right now which confirmed that there was someone else accessing my account. She then remotely disconnected all phones and blocked all use to my account. We then went through the process of changing all access codes to my account. Before hanging up, she told me the hold will remain for 3 business days and I would receive my money back. What has happened is the fraud department ruled against me stating it was not fraud making me the victim, the criminal. After several complaints I still have not received my money back. I have been with USAA over 14 years with not one issue and I am flabbergasted with how I have been treated by this bank.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : PROF DEBT, Account Number : XXXX. 
I would like forPROF DEBT to show proof of verification that I owe them {$1900.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
I got divorced and my exhusband XX/XX/2019 and he was taking the car that was financed through GM Financial and was suppose to get it put in his name and take me off per the Judges orders. I took possession of the XXXX and have been continually making on time payments of {$380.00}. He was paying me {$300.00} a month to make the payment so that I could pay the loan until he got me off the loan. He stopped paying me and stopped paying child support so there was no way I could pay the payment. I notified GM Financial and they didn't seem to care. They said I was the cosigner so if XXXX ( my ex ) did not pay then I had to. They also said that it was a civil matter and they would ruin my credit unless I paid since XXXX wasnt paying. Its not fair that this is hurting my credit when he was responsible for the payments. The car got repossessed. I just want this off my credit and it should only be affecting him. This isnt fare that I'm raising our kids on no support ( he got caught by XXXX and was forced to start paying again but has recently quit his job so child support is stopping again ). There is no way I can pay his debt too. And I can't afford to hire an attorney again to take him back to court for not taking me off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax will not allow me to log into my account to manage my freeze. Their account recovery system does not work and I can not reach anyone. Upon further research, this is their common practice and I find it absolutely unacceptable to either intentionally lock people out of their accounts or to have software so poorly written that accounts require someone to file a complaint before anything will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
I applied online with Guaranteed rate on approximately XX/XX/21 for a mortgage loan. It pulled my credit and said I was prequalified. It assigned me to a loan officer. I never spoke with the loan officer until around approximately XX/XX/21 after completing all the online steps. I spoke with XXXX XXXX From Guaranteed rate. She told me my credit score over the phone. She stated it was a XXXX. Why the online site would have said I was prequalified with that score I dont know. But I do know I never received a adverse action notice about the decision with a credit score and reporting agency. I never received this from them. XXXX XXXX also inquired about how much money I had for a down payment. She also stated they like. XXXX or higher score. The type of loan I was applying for was a usda loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA ( now PNC ) froze my checking account when I submitted a stop payment on a check and refuses to unfreeze the account. BBVA says they have initiated closing the account and that it will be closed in less than 30 days from today.

Furthermore, BBVA ( now PNC ) has requested that I sign a document that lies about the circumstances of the check stop payment request. They want me to commit fraud by signing this document.

BBVA freezing this account has caused harm to myself and my XXXX wife. We need this checking account unfrozen for medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; Experian, XXXX, XXXX. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry. 
I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.

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 2021-08-27 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I sent documentation via Certified mail to EXPERIAN on XXXX disputing an inaccurate account listed on my credit file. Experian received the dispute documentation on XXXX. I also submitted a complaint to the CFPB on XXXX and on XXXX EXPERIAN closed the complaint stating the company needs my authorization to respond. I contacted EXPERIAN today XXXX and was told by the dispute department that the reason why the complaint was closed was because EXPERIAN does not recognize the CFPB, and that the complaint has to be placed directly with EXPERIAN to be valid because that is EXPERIAN 'S procedure. EXPERIAN has constantly provided me with false and inaccurate 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 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$1200.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDITOR ADJUSTERS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime bank in connection with XXXX XXXX  was authorized on XX/XX/XXXX to send XXXX to a XXXX XXXX linked to my name. The account number was correct but within ACH Guidelines did not arrive within 5 business days. XXXX XXXX did all authentication they could and said the money never arrived. CHIME refused to due any research activity at all. They refused to perform an ACH trace or file a dispute. I called in excess of 15 times asking for trace and dispute and they repeatedly declared the money was at XXXX, blamed XXXX and exercised ZERO effort to contact XXXX to see if the money was even sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I had 4 CDs with First Horizon in XXXX, TN ( Formerly XXXX XXXX ) years ago. I was cleaning out an old file on the CDs I had and found paperwork on the 4 CDs. I called and spoke with XXXX initially on XX/XX/21 to look into what happened to the proceeds of the CDs. She was able to find out the info on 3 of the 4 and said she would get back with me on the fourth CD. She did not call me back so I called again XX/XX/21 and she said she would email that department and get back with me. Again, no call back so I called and spoke with XXXX on XX/XX/21, he said she was off and would have her call me the next day. Again, no call back. All I wanted was documentation on what happened to the proceeds of the last CD. She told me the other 3 were closed but I no longer trust that information verbally and now l would like documentation on the other 3 CDs. Please contact me for the account numbers on all 4 of the CDs. Thank you,.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that XXXX refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company XXXX have its bank remove me as an obligated borrower. The letter from XXXX to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

XXXX MASTERCARD Card No : XXXX Thanks profusely Respectfully XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
phishing call from XXXX, claiming XXXX charge of an I phone from outside of the country wanted me to go to computer and fill out form for refund and got angry and said I would be charged if I did not, they hung up. There is no such charge on my XXXX account. XX/XX/2012 $ XXXX. First call was a warning to call that #, was given a name and an ID #, redialed and got further instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
XX/XX/2021 I was contacted by revenue group and was told that I owe a debt and the lady language was very intimidating. The amount was around {$330.00}

Company response to consumer: Closed with explanation