vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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: GA

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX SSN : xxx-xx- XXXX | DOB : XX/XX/XXXX Equifax Information Services LLC . 
XXXX XXXX XXXX. 
XXXX, GA XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX 2 XXXX Unverified Account XXXX XXXX  XXXX XXXX Account was never late XXXX/XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NFCU continues to redirect accounts that they deem to be " delinquent '' to a different page or access site which makes navigating to your normal account page more difficult. These accounts which are past due are not even 30 days late and includes an actual account meant for overdraft and for which they are being compensated for each time in overdraft fee 's. I will attch screen shots of the " normal '' page and the one with account restrictions. The settlement in XXXX was supposed to prevent them from doing this and in all the years I have been banking have never been subject to this humiliating and unnecessary tactic. Additionally, NFCU sends by certified mail, letters addressing a delinquency on your mortgage a week before it is even 30 days late. That notice threatens foreclosure and some options you may take advantage of. Being XXXX and low income does not mean not knowing when your mortgage is paid late but my mortgage is always paid before it is 30 days late and the amount of mail NFCU sends is wasteful and unnecessary. They have harassed me every single month unless it is paid on the XXXX and I am already suffering from XXXX  XXXX   without them making it worse. Additionally, a prior complaint about their reporting practices was successful in NFCU stating that the late payment would be deleted from the credit bureaus. I made the complaint in XXXX and as of today, XX/XX/XXXX several credit bureaus have received NOTHING from NFCU to that effect. They have failed to notify the bureaus of their promise to correct that and delete it. NFCU is causing me irreparable harm to my scores and has done so for a long time and now during this crisis I need to be able to access credit and unable to do so because of their reporting alate payment on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is an on-going problem ONLY with Bank of America Business Checking account. I have similar accounts with XXXX XXXX and XXXX and never had this problem. 

The scenario that I would describe occurs every time I use my business debit card to purchase fuel from any gas station. Every time the purchase is made that day, I would check my account online and would see that gas purchase marked PROCESSING and the amount debited from the balance that evening. In a day or two, that line item transaction DISAPPEARS and RE-POST three days after the original purchase date. Each morning, I depend on BOA to send me a phone notification of my current balance so I can make the decision how much I can use the debit card each day. Since there is a FLAW in that BOA removes the line item gas purchase displayed on the first day purchase, each morning the phone notification I received is INACCURATE and USELESS for me to keep track. Because of inaccurate balance notification on my phone, several times the account would charge an OVERDRAFT FEE because the gas purchase that originally was " PROCESSING '' three days ago would RE-APPEAR to POST on the third day after I made other purchases that would create a shortfall of funds. 

The main problem here is that gas purchase originally purchase today and would show PROCESSING today would DISAPPEAR in two days from the line item online transactions and REAPPEAR three days later to POST the charge, hence the balance notification becomes USELESS and INACCURATE to depend on. Again, this is an on-going problem and I can recreate the problem with an investigation staff or would ask other consumers if they have similar problems.

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 2020-03-20 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have tried to file a dispute with Chase on a Southwest Visa Credit Card and have been on hold a combined 4.5 hours with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One has stated that I owe {$4000.00}. This amount is inaccurate. I filed a claim with the FTC stating that Im a victim of identity theft. They have not attempted to help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collectors Corp.
State: KY

Complaint narrative:
I had medical debt that was sent to collection agency from the hospital. I am a XXXX XXXX  XXXX veteran and these type of emergency bills are covered. The hospital failed to Bill the Department of Veterans affairs. So it went to a collection agency, I called the collection agency and tried to get the records, so I could get them submitted to the VA to get them paid as I had 2 years to do so. They told me to call the hospital which I did, they submitted everything in there system they could find to the VA. They could not find the debts in question. I called the collection agency and again asked for information and billing for the debts. I never got anything from them and was told to recall the hospital. I am unsure who even owns the debt and at this point I cant even verify the debt. I have did my best to resolve this matter and need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PHH Mortgage Corporation violates Dodd-Frank Act an other statutes. PHH Mortgage Corporation continues to practice unsafe and unsound practices relating to the foreclosure and sale of my residential home. MERS was the original servicer on my home. Then during the foreclosure process, XXXX   XXXX  sold my mortgage to PHH Mortgage Corporation. This bait and switch practice has left me confused as to who has foreclosed on my home. The bait and switch has also applied to the legal counsel. The first attorneys were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now XXXX, XXXX XXXX XXXX, XXXX has sent a Notice To Quit Premises demanding that we vacate our home in 10 days. There is no note and MERS has mishandled the mortgage foreclosure process. The services have foreclosed on the home without a note and has no " standing '' to foreclose on my home. MERS is continuing to violate the Dodd-Frank Act. Please fight for us as I do not know what servicer or attorney to fight. My home has already been illegally stolen from me and now I am forced into XXXX. I am XXXX and I deserve justice and due process of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Account Number : XXXX Original Creditor : XXXX XXXX XXXX ( USA ) XXXX. 
Balance : XXXX This will be my second complaint I am submitting against PORTFOLIO RECOVERY ASSOCIATES before I seek council for Fraud and Identity Theft. I have tried to resolve this matter with this company to many times and the results they have provided are useless. I have no Knowledge of this account what so ever. This company has my name and social security number on there private accounts for a debt that doesn't belong to me. I have asked for a simple contract and a simple promissory note that has to be attached to there terms and conditions and they have failed to produce either one. This means they are not the HOLDER IN DUE COURSE of this alleged debt according to Subsection 3-302 under the UNIFORM COMMERCIAL CODE. Since PORTFOLIO RECOVERY ASSOCIATES won't remove this alleged debt from my credit report and claim I owe them, then I am now seeking ( Recoupment ) under U.C.C. subsection 3-305 Defenses And Claims In Recoupment. Fraud is the factor here and this company is in VIOLATION and all its entities who conspire to help PORTFOLIO RECOVERY ASSOCIATES. Please submit the evidence to me that I have provided for you in the resolution section of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
This loan was not discharged in my bankruptcy, I want that removed from my records

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 2020-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I previously had a checking account I've been using for years. Then all of a sudden I realize that {$750.00} was unauthorized withdrawn with a withdrawal slip with a forged signature and my social security number in XXXX TX, Meanwhile I'm in New York. This happened XX/XX/20, I called and filed a fraud report then I was refunded the money back in 5 business days. I eventually closed the account, That was the first time. Now I opened an account last week and the same exact fraud happens for the same amount ( {$750.00} ) yesterday XX/XX/20. I have no protection from the bank. same forged signature and social security number written on the slip.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I am writing with grave concern that we are not being helped by our mortgage company. We were transferred to them XX/XX/2019 from XXXX XXXX  XXXX when they went out of business. We had gotten a letter stating that during the process of being transferred over we wouldnt have to pay right away, they gave us a 90 day grace period. We missed one payment, and we paid double the amount of our mortgage in XXXX of {$3500.00}. Since that time the company has put us in default, I had to start a loss mitigation and when we were almost to the finish line with a better house payment, they denied us with no answer. When I call I get transferred to a heating company, when they call and I tell them this they dont have any answers. When I call about why my payments are being placed with the month they are being paid on they tell me that we are MONTHS behind. We have never been behind like they are saying with any house payment in the past. They have made it completely impossible to catch up, refinance and not live in fear of losing our home. We send the documents they ask for just to send them three to four if not five times more. Nothing we do seems to be leading us in the right direction. We are two military Veterans that work hard every day with the injuries we have and are being taking advantage of. I need to get out from under this mortgage company and I need to keep my home. I have all the statements, all the statements from a year ago til today. I dont know where this all went wrong and can not get any answers from the mortgage company. Please can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo has stated that I owe {$3100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Wells Fargo has not attempted to help me resolve 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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This loan was not discharged in my bankruptcy, I want that removed from my records

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 2020-03-20 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: TN

Complaint narrative:
Barclays Bank has stated that I owe {$950.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. They not attempted to help me resolve 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 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
As of XX/XX/2020 I received a notification that I had a new collection on me. I have not been to the hospital while uninsured in more than 5 years. I have not been to any type of emergency room or a hospital in over 2 years. This is not me. I demand to receive proof of this supposed debt. Legal actions will be taken if this is not removed from my credit. I have been working very hard cleaning up my credit and this is unacceptable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Activehours
State: CA

Complaint narrative:
Since XX/XX/2020 i've tried to re-connect the app to my bank. The app has worked fine before. I am approved by them and in good standing. They say it's a technical issue. My problem is they have me on their Payday Advanced schedule. I've paid my previous balance and now I am short till next payday unless I can use the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I received a response after a complaint on the balance on my loan. I voluntarily surrender my car after releasing payments were too high and at the time I could no longer afford it. They called and set up a towing pick up to leave the key in the car and take off plates and towing company would pick up. So I did that night theft got to the car before the towing company it was a Friday morning I woke up show the car gone and thought the towing company took it. it was still a couple of days later I received a call that the car was never picked up. I called my apartment complex and asked if the car was towed by them they said no so I asked to run the camera for that night and on video, there were 2 men going in the car and finding the keys and going off in my car. I reported to the police they found my car and told me who had it, I called the bank to advise them the police found the car and it was at a towing company should I pick it up they told me no to tell them the company and they will set up a pickup. If I would have known they would have charged or set up a pick up so far apart to accumulate a bigger charge I would have picked it up myself. Also, I could have told the police the charges and the theft would have been a force to repay my lost funds. I've never had a car stolen so I'm in shock they would of charge to pick up my stolen car. Besides that this contract was a flaw and I was sold into a payment that would never have paid my loan. I was paying and paying and my balance remain the same for 2 years. When i surrender the car i was told it would be sent to auction and whatever the balance that paid would be taken off and i would owe the rest. How the XXXX did they sell the car for XXXX XXXX and then still jump right back up to XXXX XXXX where i started. I was young when i purchase this car and what they told me was not to explain thoroughly i believe they took advantage of my uneducated self. I do not find fairness in this balance would like to take this up to the highest possible outcome even if nothing happens I rather fight on this balance this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs - Apple Credit Card : Fraudulent Charges : Refuses to refund unauthorized charges. 
In violation of The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) The account is being reported to credit agencies as late but all charges on Credit Card are due to unauthorized charges which Company refuses to provided documentation from the merchant. 

I have been requesting Documentation of resolution since XX/XX/2019, Apple Card has violated its own policy 's which state that they will provide all documentation in a timely manner when requested. 

I have contacted a requested this documentation every 2 weeks from Apple Credit Card since unauthorized charges happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019, I file a claim with Bank of America EDD Prepaid Cards for transactions that I did not make or authorized as well i notified to this institution that I was victim of identity theft on a prior call and before XX/XX/2019 I cant see whats going on my accounts, transactions etc, the reason? Because they did not send me any any statement by any form e-mail or mail. They stat mailing my statements since I report the following claims : claim number XXXX {$2500.00}, claim number XXXX {$420.00}, claim number XXXX {$150000.00}, claim number XXXX XXXX, claim number XXXX {$97.00} but from that point I cant recovery from that and BoA send me a statement said we have concluded our investigation and have determined that no error have occurred in this instance and that I am liable for unauthorized transaction ( s ). So Ill could that that but they they weren't even mailed statement ( for making sure that I have the knowledge of my transaction ( s )  thats unfair and Im supposed to have trust in this institution my funds instead be aware of 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 2020-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I obtained a loan for {$2600.00} because I was desperately in need. The loan originated in XX/XX/2019. The interest rate of the loan is 219.08 %. To this date, I have paid {$2300.00} and still have a balance of {$920.00}. Because of the coronavirus, I had work reduced and I reached out to the company to request interest deferment. They refused to assist me with my request. They only offered loan payment extension which do not help because the interest keeps accumulating. I would like to see the CFBP reach out to them and ask what their procedure is for these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I do not have any contract with this company and am not aware of this debt. It appeared on my credit without any knowledge of this debt. I have tried to reach out to this company and have not had any solution made to this problem. I want this taken off my credit ASAP. I do not owe this collection agency any money.

Company response to consumer: Closed with explanation