vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I had some Fraud Transaction from USAA and they kept telling me to call this number which I have over and over ( XXXX ) XXXX and then when i contact their direct manager they told me that they never gotten any voice mail???? isn't that odd? at least try to call me back when i left you multiply message and you respond to that USAA but you couldn't or don't want to call me back, what the deal!!! COVID 19 is going around and USAA doesn't care about helping nobody ... .stop charging me with Fraud ... ..I called you guys so many time ... are you guys even working??? I even left you guys a message and you guys could only respond to that and kept telling me to call that XXXX XXXX XXXX number which i have so many time, just to find out that nobody want to pick up or call me back ... ..so kind of company this is ... and I should have done my research about this horrible company ... I just hope everyone see this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
This auto loan was fully paid XX/XX/2018. All payments were made on time. Yet, Credit Acceptance reports XX/XX/2018 as 30 days late? 

I have disputed this inaccurate reporting twice through the bureaus and a direct letter to credit acceptance. Verified each time, even though after reading FCBA and CRRG, it is obviously wrong!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} BANRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
For the past several months i've been getting calls from a company representing themselves as a debt collector for an old account that was held by household orchard bank, now defunct. I have no record of this debt, it also is not listed on my credit report as past due, in collections, charged off, etc. I have looked at XXXX, XXXX, and XXXX. When i contacted the collector, i was told the last date of activity was XX/XX/2014, which is within the 7 yr period for accounts to age off of my credit report if they had negative comments. Due to the age of the debt, i personally no longer have documentation of this account, although i am making attempts to find it. I am fairly certain however, the account was either, paid in full, or paid in settlement. The person i spoke with was named XXXX, and despite asking several times for the license number of XXXX, since they are a debt collector, as suggested by the PA  attorney General 's office, i was told she didn't have it. The amount owed in question is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Victoria Secret or Commenity Bank ... They have contacted me and harassed me all day for a week straight every hour on the hour from XXXX to XXXX at night. This is a time during Covid 19 that this seems like highly inappropriate behavior considering the global environment and seems even more inappropriate that they are essentially employees at a time when I am working less and just trying to pay my regular bills. They also contacted my sister maybe other family members Im not sure yet and told her to tell me they are looking for me. Ive had the same phone number and address for 12  years they have no reason to contact her they know where I live and how to get a hold of me. Ive been waiting to get a letter in the mail with an offer to possibly pay off the debt like other companies usually do they have sent me nothing in the mail and that seems even more strange to me that they wouldnt try to do that before contacting my sister that had nothing to do with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
Fed Loan services continue to furnish late payments multiple times on the loans. The account was updated on XXXX  and XXXX however, not XXXX. Requesting an update in payment history. This negative reporting continues to compromise credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: DISCOVER BANK
State: FL

Complaint narrative:
discover blocked my card during the corona epidemic request a 4506t form which i promptly filled out and they still have me blocked, i did another one for XXXX 3 days ago and they already got it back and i did discover 3 weeks ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
My complaint relates to the mishandling of escrow account funds. 

Since the loan origination in XXXX the escrow account was not setup correctly. In the closing documents it clearly states insurance funds are not to be included. My account payment was setup for auto payment and the oversight of being charged the insurance funds wasn't recognized until XXXX of XXXX. Since that time I have made nearly 100 calls to have this matter resolved transferred from the departments of escrow, insurance and general information. 
For almost a year I have been speaking to XXXX, a Manager/Supervisor almost weekly to try and resolve this matter. All of the said documents and calls are documented on their system. XXXX has been nothing but patient and helpful in resolving this matter but it is on the back end of their company that is not doing the work to correct this matter. Most recently after a so called review of my account they refunded me {$50.00} for escrow but failed to correct the initial error of charging me for insurance and failing to refund me the {$780.00} they paid for insurance that they should not have done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX The amount is {$220.00} I was told if it was paid the collection would get removed from my credit reports and would no longer shower up a negative information. 
The debt was already paid. The invoice number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My credit report is reporting negative information on an old mortgage. The account number is not verifiable " XXXX ''. I have tried to call BoA and also all three credit bureaus to resolve this information but I am unable to do so. I am unable to verify this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: AR

Complaint narrative:
I was trying to trade my vehicle for a 2020, due to the fact that I have an old car and it it soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get an explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site, pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been opened. These accounts are not mine, I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX  XXXX {$850.00} XXXX  XXXX {$4200.00} XXXX XXXX  XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
HARRIS BANK WAS ONE WEEK LATE with STARTING the PPP PROGRAM. On top of it, the first day they DID open they did not have ANY APPLICATION to apply for online like other lenders. 

They said fill in your informatiion and someone will contact you in 48 hours. NO ONE ever contacted me. And now the program is closed. They have virtually eliminated a chance for my business to survive since my business account is there. 

They are inept. How dare they start a week later, and only send you a canned email SOMEONE WILL CALL YOU BACK in 48 hours, and now the program is cancelled due to lack of funds. 

This is the worst bank in the world. INEPT INEPT INEPT. They have excuse for their unreadiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My dispute is in regards to my PMI. My calculations places my LT V ratio is between .67 % -.68 %. The original value my property is XXXX. The AVM value is XXXX. The value is not based on a certified apprasier, but on my current property tax value. 

The option that has been given to me has been to order a BPO cost of XXXX or make an escrow payment of approx.3000.00. 

I assume that the PMI would automatically be removed, buy I'm learning this is not the case with Wells Fargo. After 6 years of payment without ever a late payment. 

Thank you for your prompt attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
ive been with american express serve and i cant access my information online banking cant use my card to make transactions or withdraw money since XX/XX/2020 cant get a hold with the bank they said online i can access my account online or on app but it wont let me in. saying my email and password in invalid so i did a recover my password and it wont let me rest my password to get in. can get a hold with the team saying they might not be able to take my calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AG AH LLC
State: CA

Complaint narrative:
This is a complaint about an error I already reported to Arc Home LLC but am not getting any satisfactory results. 

I have a home loan with Arc Home LLC and mortgage payments have always been on auto draft. In XX/XX/2020, the auto draft didn't pull, and I was not given a reason why it didn't pull. 

Comes XXXX, I found out about it and already called Arc Home LLC to put the payments back on auto draft. In the same month, I found out that the " late payment '' was reported to the credit bureau and as a result, my score went down. 

I submitted a dispute on Arc Home LLC and result came back on XX/XX/2020 that they denied an error on their end. I called but am unable to get to an escalation path.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Chrysler Capital continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: DISCOVER BANK
State: FL

Complaint narrative:
Dear CFPB, On XX/XX/2019 I called XXXX XXXX. I asked when my promotional period ends. The customer service agent told me that my promotion will end midnight XX/XX/2019. 

I then told the agent that I DO NOT want to continue service past XX/XX/2019. 

I told agent to CANCEL my service on XX/XX/XXXX, and specifically told the agent DO NOT auto-bill my Discover Card because I am CANCELLING service. 

Once my service was canceled ( or so I thought? ) I returned all the equipment XXXX on XX/XX/2019. 

I then received a bill for {$170.00} on my Discover Card later in XXXX for services I did not use ... and for which I explicitly CANCELLED. 

Unlike ALL other utility service providers, XXXX is unable/unwilling to do future cancelation of services. 

However because I returned my equipment 37 hours and 52 minutes LATE I was billed the entire month of XXXX because I was still considered IN CONTRACT. Even though, on XX/XX/2019 I informed XXXX that I was canceling service. 

No customer is able to return equipment exactly at midnight when their contract expires. So the very next day when you return the equipment you are considered LATE and will be billed for an entire month by XXXX. 
I would consider that deceptive, misleading and unfair billing practices. 

I have sent numerous letters to both XXXX XXXX and Discover Card to resolve this issue of deceptive billing practices. Both times Discover Card has chosen to ignore XXXX XXXX 's malicious and unfair billing protocols and have agreed in their favor ... not to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
ENHANCED RECOVERY CO., ACCT. NOXXXX, A COLLECTOR FOR ORIGINAL CREDITOR XXXX IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT LEGALLY OWED, A DEBT THAT WAS PROCURED BY FRAUD. 
3 YEARS AGO, MORE OR LESS I BOUGHT SERVICE AND PHONES FOR XXXX WHILE LIVING AT MY HOME IN XXXX XXXX, CA. 
XXXX KNOWINGLY SOLD ME SERVICE AND PHONES THAT WOULD NOT FUNCTION PROPERLY DUE TO LACK OF CELL TOWER OWNERSHIP OR LEASES FOR THEIR SERVICE. 
THIS RESULTED IN DROPPED CALLS, INTERFERENCE, MISSED MESSAGES, GENERALLY A POOR NON-FUNCTIONING SERVICE.WHEN VISITING A XXXX STORE THEY EVEN OFFERED SWITCHING OUT THE PHONES, A FURTHER DECEPTION. 
THE PLACE, LOCATION AND NUMBERS OF TOWERS ARE INFORMATION THAT THE REGULATORS OF XXXX ARE AWARE OF. 
XXXX AND THEIR COLLECTOR XXXX ARE MERELY FUNCTIONING TO A PRE-THOUGHT OUT PLAN OF DECEPTION, FRAUD AND THEFT. 
IT IS INTERESTING TO NOTE THAT THEY HAVE NOW MERGED WITH THE 2ND BIGGEST FRAUDSTER IN MY AREA XXXX. 
BOTH HAVE OFFERED CHEAP PLANS THAT DO NOT FUNCTION.IT IS THE BUSINESS PLAN THAT GOVERNMENT PROSECUTORS SHOULD DO MORE ABOUT. 
CALIFORNIA 'S IMPLIED WARRANTY LAWS ARE STRONGER THAN THE FEDERAL, PRACTICALLY SPEAKING, THERE ARE NO LOOPHOLES. 
BOTH XXXX AND XXXX  AND PROBABLY OTHER BUREAUS DISPLAY THIS FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed an unauthorized balance transfer on my savings account, amounting to XXXX from 3 different transactions. The transactions were made on XX/XX/XXXX, XX/XX/XXXX and XXXX. When I found out about it, I immediately reported it to Chase claims department. I followed up on my case today, XX/XX/XXXX and was told that the fraudulent transactions on my accounts were valid even though I told them that I never used my savings account to transfer money to an external account. I only do XXXX from my checking account. They said that if I have no other evidence to support my claim that it was fraudulent, there was nothing else they could do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC called me about my 2nd home ... which is in default ... no fault of mine ... I tried to correct the problem but PNC would not work with me. I have a tenant with many children ... who is through XXXX XXXX XXXX. My tenant was to move XX/XX/XXXX ... but Covid-19 hit and we are in a state of emergency. PNC just called me ... threatening me ... ..and told me to evict my tenant in the middle of a global pandemic. 

Please see my email XX/XX/2020 ... to them ... and asking for at least payments to be deferred to the end of the loan ... as the President stated. 

To PNC : Good afternoon XXXX I just received a very disturbing call from PNC. 

We have a global pandemic and PNC just called me about my payments. 

As of now ... everything is frozen ... no evictions and no foreclosure because of Covid-19. 

My tenant was to move out XX/XX/XXXX ... but she is through Housing and Housing and our State has put a hold on everything. I have not received a payment from Housing because of the hold. The tenant is still there ... and I will not break the law by evicting her in the middle of this epic pandemic. 

PNC just told me to evict! Please tell PNC to back off or I will make the phone call very public. 

I expect ... as it's been stated - that at least 3 mortgage payments can be deferred to the end of the loan because of the global pandemic. 

Can you please have my payments deferred for 3 months ... as there is nothing I can do to change this situation. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, we noticed that our account was frozen, we can not deposit or withdraw money for our business account. We called Chase bank at XXXX XXXX to get an explanation, however they can not provide anything as now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit file for others to see. 

They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation