vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the years XXXX and XXXX, Equifax Information Services reported two debts in the amounts of {$19000.00} and {$24000.00}. After five-attempts to receive verifiable information in regards to the parameters of these reported debts, Equifax has only chose to respond with three " updated '' and " verified '' reports of the debts allegedly owed by me. No proof of these debts have ever been extended to me in reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). These reported debts are 23 and 17 years old and still today have yet to be verified by Equifax Information Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to sign up for online access to credit information with the credit bureau Equifax. Even though I entered all information correctly, Equifax denied access and stated that " for verification, I would need a verification code by mail '' to access my information. I requested and received this code on XX/XX/2021, then entered it online and successfully set up an online username and password. I received confirmation about the successful set up of the online account. However, due to some technical issue or Equifax 's extreme incompetence - or both - when I enter the information, I get a screen that states " Please try again later ''. This has been going on consistently for over two months. Equifax stated that if any issues occur, I can contact their customer service at XXXX. I sent three e-mails without response. Finally, on XX/XX/2021 I sent a paper letter to Equifax by mail, demanding a solution. This was also not answered. End result - I have a valid username and password but no access and no explanation or help of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Ive contacted Bank of America, who has taken zero action or authority and changes their story as to why the next step has not happened. They refuse to proceed with a foreclosure on a vacant, legally abandoned home since XXXX, cancelled a scheduled foreclosure for XX/XX/XXXX of XXXX. My loan is now 11 years old and I owe 56 percent more then its original principal because they have dragged there feet and hid behind the covid moratorium that does not apply given the property is both vacant and abandoned. Please help as the only one that is benefiting from this is Bank of America and it is not right.

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
Ginnys is an online store. Ginnys, XXXX XXXX, and XXXX XXXX are all 3 the same sister company. XXXX XXXX has sent me a letter saying the account was opened fraudulently. But the other 2 Ginnys and XXXX XXXX wont close theirs even though all 3 are the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: NJ

Complaint narrative:
I am XXXX Years old male, I was the caretaker of my spouse for 6 years prior to her passing of XXXX XXXX & XXXX failure on XX/XX/XXXX. 
During these 6 years my professional earnings were limited in hours and days as she needed 24/7 care and emergency visits to XXXX XXXX XXXX for treatments or E-R. She became ill in XXXX & passed in XXXX. 
During the duration of those 6 years & financial difficulties we access our credit reserves of our credit cards, XXXX, XXXX , & XXXX  XXXX. 
We made payments due for the next 3 years, XXXX and then Hired XXXX XXXX in XXXX OK to consolidate our debt of {$110000.00} to a monthly {$1100.00} for all. ( See attached 3 years of payments ). 

Now at XXXX unable to work due to XXXX  & other medical symptoms like XXXX 's with only income my Social Security of {$1800.00} and some residual commissions from previous employment that are less than {$2000.00} annually, I am no longer able to pay these Creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
Montgomery Wards is an online store. Ginnys and XXXX XXXX are all 3 sister companies. Down to the account numbers. XXXX XXXX has sent me a letter stating they found my account was found to be opened fraudulently, but Ginnys and Montgomery Wards do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion was reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 2nd dispute letters to TransUnion since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

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 2021-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
During the pandemic I had to make a decision to either pay my car payment of $ XXXX  monthly or pay my mortgage because Im a single mother of XXXX children. I decided to surrendermy vehicle to Chrysler Capital after numerous attempts to either lower my payments or refinance which they do not so I was receiving daily calls to make payment even through my job was uncertain. I explained my situation and asked why my balance in the beginning was around {$29000.00} and after three years of struggle to pay this huge car payment my balance barely ever decreased even when I was on time and continuously paying. Once I realize I couldnt afford the vehicle, the company towed the vehicle away. Some weeks later I got a letter about a auction to sell my vehicle during the absolutely worst economic time, they only received around {$6000.00} for my car. Then I received another notice stating actually the vehicle was junked for that balance Im not sure what really happened however the balance is still accruing causing my credit score to plummet from the rising unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer Acc # XXXX {$16000.00} XXXX XXXX XXXXXXXX # XXXX {$660.00} XXXX  / XXXX XXXX XXXX I Acc # XXXX {$470.00} XXXX XXXX XXXX Acc # XXXX {$500.00} XXXX / XXXX  XXXX Acc # XXXX {$350.00} XXXX XXXX  XXXX XXXX # XXXX {$220.00} Santander. Acc # XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX Acc # XXXX {$16000.00}, Convergent Outsourcing Acc # XXXX {$660.00}, XXXX  / XXXX XXXX  XXXX I Acc # XXXX {$470.00}, XXXX / XXXX Acc # XXXX {$500.00}, XXXX  / XXXX XXXX Acc # XXXX {$350.00}, XXXX  /XXXX  Acc XXXX XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to 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 explanation
Consumer complaint received 2021-07-17 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX Acc # XXXX {$16000.00}, XXXX XXXX Acc # XXXX {$660.00}, SYNCB / Car Care XXXX I Acc # XXXX {$470.00}, SYNCB / XXXX Acc # XXXX {$500.00}, SYNCB / Old Navy Acc # XXXX {$350.00}, SYNCB /Waltmart Acc # XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to 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 2021-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
There are several collection accounts on all 3 of my credit reports that are fraudulent and a result of identity theft. I've disputed these accounts multiple times but they have yet to all come off my reports. Can someone please help me get these collection accounts that are not mine off as they are hurting my credit? My wallet was stolen on the city bus about a month before the date on the 1st of these collection accounts. I '' m assuming that these accounts are from whoever stole my wallet and has my identification. These accounts are all from Wakefield & Associates and they are all for several thousands of dollars. I really need help removing these accounts and I'm not sure what else I can do because I've already reached out to both the creditor and all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
randomly i get this call saying i owe XXXX $ to this company when i in fact DO NOT. only time i have gotten any kind of XXXX XXXX are from my l and i claims and these guys have reportedly abused trying to call me. i am a XXXX  father to a beautiful XXXX year old and don't have time for this nor can i afford a ding on my credit i tried reasoning with them and they have said basically " NO YOUR GOING TO PAY US '' and at that point i have hung up and whenever i answer my phone and it is them i hang up on impulse because i know my truth 's and they harass me to the point of breaking and its the fact they wont try to negotiate anything.. i believe this to be true and sworn by XXXX XXXX on XX/XX/2021

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Good morning, I am reaching out to the CFPB due to an issue I am having with Chase Bank. Back on XX/XX/2021 I applied and was approved for a Amazon Prime Rewards Visa Signature Card. Since that time I have used the card as a normally would and made a my first statements payment in a timely manner for more than the minimum amount requested. A day after making my payment I received a letter from Chase Bank stating that they will be closing my account involuntarily due to Reputational Risk to the company. In the letter it does not explain what I have done to have them come to this conclusion nor does it explain what exactly they are referring to when they say Reputational Risk. Ive had other credit cards in the past and have worked with different financial institutions, not once have I ever had issues with them such as this. I reached out to chase requesting an explanation as to how they came to this conclusion and if I could receive a copy of the review they state they conducted on my account. I spoke with their live rep over the phone who informed me that they are unable to provide me information and that I would have to reach out to Chase Bank via the secure messaging center they have built in their client login on their website. Upon doing so, I received a response 24 hours later stating that they can not provide me an answer until 10-14 days from now. That response was sent yesterday and I replied stating, that due to the pending cancellation of the account on XX/XX/2021, I can not afford to delay communications or actions to prevent the account from being closed. I explained the window to prevent cancellation gets smaller every day, they replied back this morning stating they can not provide me further information until 10-14 days from now. As a consumer, Chase Bank appears to be stalling for time and waiting for the account to close without being able to provide an adequate answer. What I fear is that if the account is closed they will tell me there is nothing they can do to reopen it, which is why I want take action now while its still open and there is still time. If this account closes it will affect my credit report showing a closed credit card, and lower my overall available credit across all my accounts. Thank you, I hope to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been going through the same ordeal with wells fargo for so long. I'm tired of dealing with it. The funds get low then they automatic switch and overdraft. Then it keeps goings. I'm told I can't leave unless the fees are paid, yet I can't spend whT isn't there yet the account just changes. The balance keeps going lower and lower, then it hops negative from nowhere. It did it again. A -XXXX  to a negative XXXX  something. The woman said the charges should be all going through and are pending. But the amount is increasing with no recent swipes by me. It makes it i.possible to break away from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
We were affected by the Pandemic ... A business  venture we had projected as having promising possibilities was adversely impacted by the restrictions imposed by State Governments ... The Business was based on XXXX XXXX in the XXXX XXXX XXXX. 
The Need for this XXXX / XXXX XXXX / XXXX XXXX  is/was immense ... The potential Income from this XXXX XXXX XXXX career was intended to compliment our retirement benefits and provide additional career alternatives professionally! The Business  never got off the ground and the Venture Capital, Educational Certification, Cost of Course Requirements, Licensing Cost, etc was spent with no realization of the eventual Pandemic experience ... We have had to restructure our Finances, contact Creditors, budget our Monthly Income against the Cost of Living! We leased a Vehicle at the end of 2019 when income and expenses for us monthly was convenient ... We had no idea what was looming Economically after the New Year ... In essence we have been able to manage our debts by corresponding with creditors and making payment arrangements that provides partial payments and eliminates hardships for us monthly! We have written to Toyota on several occasions asking for relief with basically no remedy ... Toyota 's response has been Lease Cancelation Notices, Money Demands that have been met at the cost to other Bills Monthly. Toyota has attack our Credit Report and Credit Rating relentlessly ... Their Customer Account Reps are totally unconcerned with anyone they service ... the Reps recite Corporate Policy on the Phone with No Recourse ; therefore, I have discontinued Phone contact ... It's Senseless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
Received a phone call from person named Mr. XXXX from National Credit System, who said that I own almost {$1000.00} amount to an apartment I was renting before leaving in XX/XX/XXXX to join the XXXX XXXX. 

The individual have said that my security deposit ( {$500.00} ) and my pet deposit ( {$400.00} ) didnt cover the amount to fix the apartment even though I called the leasing office and asked them about it and about the water bill if it could cover it and she said yes, it will cover. 

Anyway, I kind believed the person at first and said yes I will pay it once I get paid, but what caught my attention was he insisted in providing my debt card number, which I responded I dont have any money right now and I will pay half of the amount by Friday, but he got frustrated and said that if I dont provide my debt card number right now, my debt will be unprotected status. Can someone please explain what does that even mean? I asked him to send me an email plus documentation that proves that I own money to XXXX  XXXX XXXX  in XXXX Florida and I want to pay it online but he said yeah, yeah sure I will send it ( he asked for my email in the beginning of the phone call ) and repeated that my debt will be unprotected status. 

Last thing, the person said he is from the National credit system therefore I am assuming he works for them. So, the company name is National Credit system and this is their website : https : //XXXX Also, attempted to contact the alleged company and their phone doesnt work and sounds weird. Therefore, I dont own no one my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
beginning when i first contacted Mr cooper via XXXX i have been manipulated the entire time 1.I was told that i needed to be in default to get a modification : this was misleading cause i contacted this business in good faith because of my pending financial pitfall ( after being current and never missing a payment or having a late payment ) for more than a year and i needed help and the rep lied cause the modification reason was to prevent unnecessary interest on my because of the setback 2.Mr cooper Doesn't process loss mitigation applications promptly : when information is given to this business in a timely fashion they hold on to it and then penalize the consumer by saying it wasnt timely filed 3. Mr cooper requires the same information already given to be given again : they claim that documents arent legible when they are or they need more information on the same data that was already supplied previously which causes a delay in the process cause you generally from MR COOPER you get a email DAYS before the deadline and its submitted only to be rejected cause THEY DIDNT GET TO IT even though documents are electronically timed stamped to show it was on time EVERYTIME!!

4. Mr cooper is NOTORIOUS for blatantly using incorrect income information in processing the net present value of a consumers income causing the modification to be rejected again even though Ive explained and emailed many people about this instance only to be ignored and pushed to foreclosure or short sale 5. Mr cooper either lies or is to big to function when it come to communications for a debt : i have three documents suppled by this business two letters indicating that they received my transmission and they had till XX/XX/XXXX and XX/XX/2021 to get back in contact with me. This is a classic automated tactic of this company cause if due diligence was performed they would have known i was communicating directly with the customers relations and modifications department in which i told them many times i was displeased etc yet they send a third party to my home to put a notice under my door because they couldn't get in contact with me me which is a lie. It might not have been in the manner they wished but they have been contacted by me every time they called via email which is why i guess i got they letters they would investigate and get back to me.

they have ZERO intention on helping they want to stick it too me cause they perceive me to be a deadbeat and tired of me complaining cause i was wronged

Company response to consumer: Closed with explanation