vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I am a homeowner that had put my mortgage on forbearance at the start of Covid-19 with LoancareXXXX. Since then, as recent as XX/XX/2021, I received a written letter from Loancare/XXXX  that my forbearance would be active until XX/XX/2021 and that approx 30 days prior to it expiring, I would receive information from LoancareXXXX outlining options and next steps to defer missed payments and/or mortgage forgiveness for the missed payments. As of today, I still have not received any additional details from LoancareXXXX however their customer service team continues to call me multiple times per day threatening to foreclose upon me and remove me from my home and yet they have not provided ANY options to resolve my situation. I am begging that your agency please steps in to help resolve this matter as I can not find a point of contact within Loancare/XXXX ( despite the HOURS I have spent on the phone with them and being placed on hold ) to get this ordeal resolved.

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 2021-11-02 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of updating the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXXBalance {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2021, I was called by a fraud company that used the caller ID of my utilities services company, XXXX. I was told that if I did not pay immediately, I would have my electrical services cut off. I sent four payments for a total of {$1900.00} through XXXX. I contacted my financial institution ( Chase Bank ) and they denied my claim. XXXX was also unable to help me since the money had already been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: GA

Complaint narrative:
XXXX XXXX : {$340.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED i would like this account to be removed from any credit bureau it is reporting to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX and financed it through Santander Consumer USA in XX/XX/XXXX. We sold the vehicle to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a check for the amount owed on the vehicle to Santander, and as of XX/XX/XXXX the account was paid in full. XXXX XXXX owes me money on the vehicle, but they are holding the money until the receive the title. In South Carolina, titles are held electronically, therefore Santander must release the lien on the title electronically. Santander keeps sending letter stating the lien has been paid off, but they for some reason will not send a electronic release to the DMV. I can not get anyone from Santander to give me a clear answer, they just keep sending the letter over and over again. The DMV told me there is nothing I can do because Santander will not send over the electronic release of lien. The letter they sent really does not mean anything. Santander also keeps giving me different reasons for not releasing the lien electronically, and they tried to say South Carolina is not a title holding state, but they more definitely are. I have contacted Santander numerous times, and they will not help us. We are having money held from us because of this issue. I am not sure why they will not send the electronic release. This is become a huge issue for me, as I have spent hours trying to fix it situation. It is getting to the pint where it is becoming a legal issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: TX

Complaint narrative:
Person called a relative phone number Ive never been contacted or received notification in the mail about this debt. Received several of the court-threatening calls. Today, I got a vm from XXXX XXXX, this time with the 'I was listed as person of interest for ( random person 's name ) ' scam mentioned earlier. Tell you to Call back from a different number, but had the XXXX for callback.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I didn't receive {$100.00} for a new account. I have asked the customer service of Chase. They said the banker named XXXX who helped me open my new bank account, didn't apply the coupon. However, XXXX said he had applied the coupon ( Proof in email screenshot Picture No. 1 ). 

The customer service of Chase told me that I could fix this by visiting the branch in person. However, another banker in the branch said XXXX was the only one who could help me fix the problem. I got in touch with XXXX again, but he said he felt sorry about the mistake but couldn't figure out how to fix it ( Proof in email screenshot Picture No. 2 ). 

Therefore, I contacted XXXX 's manager XXXX to ask for help or compensation. The manager XXXX said she would reply to me that week, but she didn't reply me. I emailed her again about how long I could get compensation. She avoided telling me when to give me an answer in a reply email. When I asked for a fix time, she stopped replying. ( Proof in email screenshot Picture No. 3 ). 


This experience is frustrating because no one could fix this problem. I have been following up on this matter for two months, but to no outcome. 

It's not my fault. I want compensation because of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Roughly 4 years ago, I was a victim of check fraud for {$400.00}. In my freshman year at XXXX, a XXXX  teenager asked me to deposit a check for them so they could collect their first paycheck from their new job. Being young and wanting to help someone, I deposited the check to assist them. After finding out this is a common fraud, I worked with XXXX to correct the issue and had my account closed. The personal banker told me that after a year at another bank I could return. 4 years later, I wanted to open a new account after obtaining my XXXX XXXX from XXXX to build back my checking history. I was told despite never receiving formal writing that my relationship had ended and essentially received a lifetime ban for being a victim of a {$400.00} scam at age XXXX. After being on hold for over 8 hours over the course of 2 days, the decision was reversed and I was able to open a new account. However after funding the account with {$1000.00}, I was locked out due to suspicious activity. 1 week later and over 10 hours of calls, I am unable to access my online account, withdraw my funds, or speak with anyone to inquire about my new account or the considerable funds locked inside. If being banned for life after being a victim of fraud for an immaterial amount with no disclosure or writing was bad enough, Chase has decided to play phone call ping pong with me, separating me from a balance more than double the {$400.00} they chose to end the relationship over. Terrible customer service may not be illegal, but making life impacting consumer decisions without proper documentation and notice and refusing to serve a new customer with over {$1000.00} feels comparable to fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My bank, Wells Fargo, notified me by email on XX/XX/2021 that they had detected unusual activity on my debit card. On XX/XX/2021, when I read the email I checked my account online and found that there were three unauthorized charges, one of which Wells Fargo had already reversed. 

I filed a fraud claim on XX/XX/2021 for the charges that I did not make. The first charge was made XX/XX/2021 for the amount of {$160.00}. The second charge was made on XX/XX/2021 for {$240.00}. There was a 3rd charge that was reversed. It was readily acknowledged that the other charge was fraud. According to bank records, all three charges had the same thing in common- they were for an exorbitant amount of gas within a two day period at XXXX stores. 

I received notice by mail on XX/XX/2021 that my claim was denied. I called the number provided to ask for the reasons for the decision and how to appeal. I was told by three different people on three different phone calls, once on XX/XX/2021, and twice on XX/XX/2021, that I could not appeal the decision. They also said it would take a ridiculous 30 days to receive an explanation letter. 

The denial letter states in part that their decision was made based on my banking history, however according to my banking information, the charges were made for large amounts of gasoline at XXXX stores within a two day period. One charge was made in XXXX, Washington. 
If they did go back through my banking history, they would have seen that I have never purchased that much gas at any one time, that I do not go to XXXX, and I have not patronized XXXX. These points alone should be enough to indicate fraudulent activity. Also, my other purchase history for the dates in question shows that I was not even in the areas these fraudulent charges were made. XXXX is a two hour drive and XXXX a four hour drive. I was at or near my residence both times. I do have witnesses to that effect. 

The denial letter also said that because the debit card was in my possession and my pin number was used, that they determined I, or someone with my permission, used the card. I maintain that it was not me and I did not authorize anyone to make any purchases. 

I believe that Wells Fargo has not acted in good faith, especially considering they say that I can not appeal.

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 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I created a Cash App that individuals sent money over to. There was {$550.00} in it. When I logged back using the same email my balance was at XXXX with no transaction history. I noticed that the cash tag ( account name ) had been changed to an identical name but one letter off. I contacted Cash App through support and by phone numerous times and explained the situation. They would not provide any information over the phone and told me I could only be helped via email. After several emails explaining the situation, I kept getting the same response below : Hi ___________, This is ________ from Cash App Support, and I'll be taking over your case right now. Thanks for reaching out, and thank you, __________, for your patience in our delay in getting back to you. I understand you can not sign into the correct $ Cashtag as it wont let you, so let me assist you with this process. 

After reviewing your account, let me confirm that we're unable to grant access to $ _____________ for security reasons. To protect your current account, we can not override this decision.

You may continue using your current Cash App account to send and receive payments.

We are sorry for this, __________. If any other concerns come up, just let us know. We're here if you need us!

In addition, I ordered a cash card before the account was inaccessible. I attached a picture of the card for your ready reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a XXXX checking account with Capital One, and setup my paychecks to be deposited into it. I never received my card, but apparently someone did because they withdrew or charged all of my funds in the account. I reported this to Capital One and they temporarily credited my account on XX/XX/XXXX while they investigated. They also told me that they'd send me a new card, which I'd have to sign for. It was delivered to me but was just left in an envelope on my porch. Luckily I was home and retrieved it before someone else did. I thought it possible that someone could've broken into my mailbox and took the original card because some other items I was expecting were missing as well, so I submitted a claim to XXXX on XX/XX/XXXX, but they weren't able to help. Capital One eventually reversed my temporary credits on XX/XX/XXXX, stating that they " didn't find any errors during [ their ] research. '' On XX/XX/XXXX I submitted an appeal and asked for further clarification ( steps they took to investigate, etc. ) but was offered no further information except to tell me that my claim was closed and they wouldn't continue any dialogue with me about it, even though I had many more questions and concerns and even asked what documentation I could provide to them to prove my case. Performing an insufficient investigation is one thing, but to also provide no reasoning and to decline to answer any of my questions is absolutely appalling. Also, the logic behind basically calling me a liar, accusing me of attempting to commit fraud against them but still keeping my account open, is perplexing to me. I'm not sure if that's standard practice. But I'm inclined to close the account myself if this issue isn't resolved. I wish I had never opened an account with Capital One and would advise against anyone else doing so. 

Fraudulent Transactions : XX/XX/2021 - {$800.00} - ATM Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Withdrawal Time : XXXX XXXX GMT-5 Amount : {$800.00} ATM Fee : {$3.00} XX/XX/2021 - {$510.00} - XXXX # XXXX - Debit Card Purchase : XXXX XXXX GMT-5 XX/XX/2021 - {$60.00} - ATM Withdrawal - XXXX XXXX XXXX XXXX, TX XXXX Withdrawal Time : XXXX XXXX GMT-5

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: FIRST MIDWEST BANCORP, INC.
State: IN

Complaint narrative:
Online money fraud scam i don't need a loan nor do want this

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 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
My account as a XXXX person let me send money through Venmo for students, Venmo had no right to freeze then threaten deactivation of my account with funds still in it, at first the Venmo person XXXX XXXX said she couldn't validate me is why she deactivating my account, but then in her last email she admitted she decided to validate me, yet she decided she is still going to XXXX on me for my XXXX because she didn't like my selfies as much as her own ever since then she wanted to discriminate me then blame me for nothing but harassment and XXXX with being XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently looked at my credit report and noticed numerous fraudulent unauthorized credit inquiries listed on my credit report for the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XX/XX/XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this complaint. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-11-02 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: AZ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a letter from Kia informing me that I had an outstanding balance of {$2600.00}. I have never missed a payment and have a copy of my payment history showing that I had not missed a single month. I made a phone call and spoke to a CSR Ms XXXX, who told me that she would have the finance department look into the account and would contact me. Since then I have not heard anything, but when I checked the website the " debt '' had been removed. Today when I went to make a payment, it shows no payment is due. The payments are due on the XXXX of each month. I went ahead and made a payment even though the balance said " XXXX ''. 

This is not the first time I have had a problem with Kia Finance. Two years ago I was making payment on my XXXX XXXX XXXX. The payments were being transferred to the account for my XXXX XXXX XXXX which I had sold back to the dealership. I got this corrected after several phone calls.

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