vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2018 I filed a Chapter XXXX Petition in the XXXX, MI Federal Court.  Sometime in XX/XX/2018 my plan was confirmed and the auto financed through XXXX XXXX was ordered to be surrendered. In XX/XX/2018 the lender retrieved the vehicle from my residence and sold it at auction leaving a residual balance of around {$9000.00} which was rolled into my Wage Earners plan to be paid at 100 %. XXXX reports to Experian and XX/XX/XXXX. They are currently reporting correct information to XX/XX/XXXX, however, for some reason they reported nearly 12 months of late payments that destroyed my report. I disputed this item and called the creditor numerous times and requested they correct their Experian reporting. They verified their reporting was incorrect and verified that they sent over the correct information to Experian on 3 different occasions. Experian alleges they never received the updated information so my score is still suffering because of this one account and Experian 's " simple '' upload process does not work as it says my 2 pages document to prove this error is " too large to upload ''. The Experian Dispute team is not helpful what so ever and the guy I talked to today even hung up on me.

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 non-monetary relief
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I  have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX  two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a sycophany bank I do not recall any loans from this bank

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 2019-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I paid off through s company about XXXX to an XXXX XXXX XXXX  debt collector They said if I paid the lump some around tax time (XX/XX/XXXX/XX/XX/XXXX ) that the debt would be cleared and that they wouldnt be going after me ... .. 

A year later XX/XX/XXXX I tried to open an account and they said ( XXXX XXXX XXXX ) that I still owe about XXXX $ How is that if I paid their collectors XXXX in XX/XX/XXXX and was promised that the debt would be cleared?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was a victim of a fraud scam that occurred on XX/XX/2018. 
The scam involved me sending an unknown recipient money via the XXXX app associated with my Pnc checking account. A total of {$830.00} was lost to the scammer. 
At the time, I had a balance of {$0.00} in my PNC account because I had moved to a new location that didnt have any PNC banks and therefore transferred all of my money to a different bank. 
The scammer sent me a bad check for {$1300.00}. I cashed it at PNC. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my PNC bank account. 

I reported the incident to my bank, PNC. I also filed a police report. 
PNC sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. 
During a phone conversation with a pncs Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. 

The man I spoke to said I dont think anyone at PNC would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. 

My complaint with PNC and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? 
Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? 
People put their money in banks to keep it safe. Why was the such negligance by the bank here in my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
You do not help people. You take complaints, but take no action. You accept Ditech 's response and close complaint. Ditech lied about the way things were handled, but you would do no further investigation. You accepted their response at face value. What kind of help do you actually give? 

Ditech Financial LLC should be investigated. There are many complaints against the. What good do you do if you don't look into Ditech? 

I can prove Ditech lied, but you won't look any further. 

I DON'T THINK YOU ARE DOING YOUR JOB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
I bought a XXXX XXXX XXXX about four months ago at a dealership called XXXX XXXX in XXXX. I got financed by a company called XXXX  XXXX XXXX XXXX. The day I purchase the car the manager at the dealership didn't let me test drive the vehicle before purchasing it. The the car had problems with the transmission or the engine I'm not sure what the problem was. I told the dealership to fix my car and they denied to fix it. I contacted the finance company and they told me the loan went through without me giving authorization that the car was in good running conditions. I told the finance company to tell the dealership to fix my car. The finance company told the manager at the dealership about my situation and I got a call back from the manager. He was angry at me telling me that the finance company was going to back off from the loan if I didn't tell them that the car was running good. They told me they would fix the car if I told the finance company that the car was in good running conditions. But they never ever tried to fix my car. The finance company knew about this problem from the start ever since I got the loan. Now my car got repossessed because I haven't given the first payment. I don't think it's fair that I didn't even get to enjoy or drive my car in the time that I had it. Now I don't know what to do since the loan went through and it's already on my credit and my car is repossessed. This looks like the finance company and the dealership worked together to sell me a lemon car that I didn't even get to drive. And now I owe them {$8000.00} because the loan went through without me approving of it. I need help getting rid of the situation I have XXXX kids and they're the reason I bought the car in the first place. Only to have a car that I couldn't even drive for 4 months until now that it's gotten repoed.

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 2019-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I was a victim of a fraud scam that occurred on XX/XX/2018. 
The scam involved me sending an unknown recipient money via the XXXX app associated with my XXXX checking account. A total of {$830.00} was lost to the scammer. 
At the time, I had a balance of {$0.00} in my XXXX account because I had moved to a new location that didnt have any XXXX banks and therefore transferred all of my money to a different bank. 
The scammer sent me a bad check for {$1300.00}. I cashed it at XXXX. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my XXXX bank account. 

I reported the incident to my bank, XXXX. I also filed a police report. 
XXXX sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. 
During a phone conversation with a XXXX Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. 

The man I spoke to said I dont think anyone at XXXX would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. 

My complaint with XXXX and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? 
Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? 
People put their money in banks to keep it safe. And banks are using a money transfer service that has less buyer protection than XXXX. I would have better safety making my transactions on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian : Im writing to dispute the following incorrect information on my credit report. The items I dispute are on the attached screenshots of my credit report. 

Incorrect Personal Information Previously disputed.

- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I know ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Sincerely, 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 2019-01-19 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: IN

Complaint narrative:
This account has been verified re-verified as accurate in XXXX and XXXX. The reporting clearly shows its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I sent money through chase QuickPay using XXXX for a XXXX XXXX.I transferred XXXX dollars to the seller using the phone number he gave me.I received the bottle a couple of days later and checked it to see if it was authentic and realized it was fake.I filed a dispute with chase on XX/XX/XXXX and after 10 days they said they tried to take back the money from the sellers account but was unsuccessful so chase said that was all they could do for me because I initiated the transaction so basically XXXX and Chase make it easier for scammers because both deny liability and both are not willing to help at all and scammers know this and take advantage.There has been many stories of people losing money using XXXX and banks do nothing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW FINANCIAL SERVIC is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BMW FINANCIAL SERVIC along with a notarized affidavit claiming fraud. BMW FINANCIAL SERVIC is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BMW FINANCIAL SERVIC to close their files which have any information with my name & social on it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays reported an account to the credit bureaus and has been contacting me about this debt they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX XXXX or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I am requesting just this or I will be forced to take legal action against Barclays at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified documents well as a copy of the document itself and the response I received from Barclays regarding this account on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof.

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 2019-01-19 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: CA

Complaint narrative:
XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX along with a notarized affidavit claiming fraud. XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX to close their files which have any information with my name & social on it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO HM MORTGAG is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to WELLS FARGO HM MORTGAG along with anotarized affidavit claiming fraud. WELLS FARGO HM MORTGAG is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like WELLS FARGO HM MORTGAG to close their files which have any information with my name & social on it ...

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