vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 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: WA

Complaint narrative:
According to the Fair Credit Reporting Act, Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Equifax needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Equifax three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Equifax to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have "  asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Equifax has reported in error and for Equifax to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Went into PNC BANK in XXXX XXXX, FL to enter vault ( both keys in my possession ) I was told my step-father XXXX XXXX a man suffering from XXXX residing in the XXXX XXXX XXXX XXXX XXXX facility in XXXX XXXX XXXX, FL came into branch with locksmith and DRILLED OPEN VAULT. XXXX XXXX was a signer, however PNC was fully aware of XXXX XXXX mental condition. There is a " TRO '' in place banning him from location of bank. Temporary Restraining Order was given to PNC ... Lead Teller XXXX XXXX - along with Branch Manager. Yet they allowed XXXX XXXX to break into vault. Approximate amount of assets ( bonds ) {$170000.00} to {$200000.00} was stolen out of vault under the eyes and assistance of Branch Mgr. XXXX XXXX and Lead Teller XXXX XXXX. I have requested on several occasions copies of ALL vault documents and signature cards - PNC claiming Docs and signature are missing, lost ... That is a criminal act. XXXX XXXX of PNC Executive Offices has been made aware -- - ( XXXX ) 5XXXX Still nothing. Please LOOK into this matter and if required make a referral to the US Department of Justice, Washington, DC Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A few weeks ago I placed a freeze on my Equifax credit report due to their security breach. I was provided the 10 digit pin number which I saved. Equifax offers the opportunity to unfreeze a credit report online. I went to their site to do so in order to allow a mortgage lender to run my credit report. After providing all the information requested by the site including the pin number the site returned a message that I could not release the freeze on my report online and to mail in a request. Then I have to wait for written confirmation that it has been processed. I do not have time to wait. If when I originally froze my credit report I was not given the opportunity to release the freeze online I would not have done so. Equifax should not be offering services it can not fulfill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just turned XXXX and tried to fill out my XXXX application, but could n't because i do n't know the information about an alleged mortgage, car loan, student loan and credit cards i took out when I was XXXX or XXXX years old- I called the XXXX office and they said I had to take it up with Equifax , which has no working phone number to call. My mom said to fill out the credit report request but I ca n't get it because I have to know where I took out the mortgage and credit cards, etc. I tried to call the equifax customer complaint number but it was out of service. I filled out the form to dispute charges, but since I ca n't get a credit report to have details of the alleged mortgage, etc, I did n't have details of what it is I 'm disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to XXXX. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a XXXX account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a XXXX account. This also happened to my sister a few years ago with a fake XXXX account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
According to the Fair Credit Reporting Act, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Experian needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Experian three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Experian to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Experian has reported in error and for Experian to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.

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 2017-10-31 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017. I request to receive a comprehensive report of all updated verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: PNC Bank N.A.
State: MI

Complaint narrative:
I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017. I request to receive a comprehensive report of all updated verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX XXXX for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the  debt, including all interest and fees, XXXX. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a  copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a  Certified and True Copy of the original signed agreement or application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Without notice, explanation, or legal authority, Caliber claims that I owe them more than {$2000.00} in escrow arrears. Any shortage is the direct result of Caliber 's failure to adequately prepare for the XXXX 2017 annual property tax bill. Now, due only to Caliber 's error, Caliber has unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I bought a car. I started an allotment i was gone on mission then the hospital. I never knew my payment was n't being taken out. The bank said they sent letters to my house but i was n't there. They had my number yet they never called to tell me there was a problem. The company is there for military in a big wsu and i have been with them for half my career. I ca n't see why they would put me in that position knowing it was unintentional. As soon as I found out I corrected it. But if they had notified me through the contact info and means that I gave them I could have corrected it like i did as soon as i found out. I have truly been stagnated because of this. I feel like they had a major part in the late payment with the lack of notification. They refuse to fix it with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My name is XXXX XXXX, I live in XXXX, AZ and I have XXXX XXXX. 
I was awarded Social Security in XXXX and backpay of check dated XXXX XXXX for {XXXX, XXXX which was mailed to a wrong address and then was cashed by a thief that had no access or authority to cash my check. I filed a police report, called US Bank Fraud line and they refused to help me since the person that stole my check which is in my name only, opened a bank account with US Bank with me as a NON Signor and her as only access. She would have to open an account with my name since its the only name on it. I filed a report with XXXX XXXX office and they contacted Social Security which directed me right back to US Bank since they cashed the check without proper approval. She never should of been able to cash a XXXX, XXXX check that is NOT in her name. 
I am going to the media, online, every platform I can until my money is rightfully returned to me. I am the and I am treated as the accuser. This is downright ILLEGAL and UNJUST. Someone will help me one way or another. XXXX XXXX is the theif that stole and cashed my check. I filed a police report against her.

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 2017-10-31 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: PNC Bank N.A.
State: MI

Complaint narrative:
I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or  application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
My husband was diagnosed with XXXX and had to retire from work. We had to live on our savings and XXXX money until his SS XXXX kicked in. He also received some XXXX from work too. This XX/XX/XXXX it was found that we were overpaid from his work XXXX and had to pay this money back. At this time we knew we were n't going to be able to make our mortgage payment because we did n't have sufficient funds coming in. We called the mortgage company immediately to se what we could do, they suggested doing a loan modification. A package was sent to us which we filled out and emailed, faxed and also sent a hard copy, this had to be in by XX/XX/XXXX. Well for reasons unknown to us they never received the package, even though it was submitted 3 different ways. A second package was then completed, once again same thing never received. By now it 's XX/XX/XXXX, so we completed a third package, finally this one was received and I believe only because I called every other day to make sure they were getting it. It took clear till XX/XX/XXXX that we finally received a letter saying that we were approved for a loan modification, but we needed to submit a payment by XX/XX/XXXX of {$4200.00} first and then our next payment would be due XX/XX/XXXX in the amount of {$2300.00}. Now you tell me how this even helps someone who is struggling to make their payments. Had someone done their job and put through the first package we would n't have ended up 6 months behind as it stands now. I feel we are being taken advantage of and nothing has been done to help us. Why could n't they put the 6 months we were behind onto the back end of our loan? Why are they asking for a large amount upfront? Why did our payment or interest rate not go down? My mortgage company is Nationstar which recently became XXXX XXXX and they are based out of XXXX, TX. Will I have to file bankruptcy now to be able to keep my home? This whole situation is just ridiculous, especially after I called immediately in XX/XX/XXXX when I knew I would not be able to make my payment. Our income had been reduced drastically. We paid our XXXX overpayment back and now are getting our full XXXX amount, so we can make our payment if it were reasonable. My husband had stem cells extracted in XX/XX/XXXX, back XXXX in XX/XX/XXXX to repair fractures in his back caused from his XXXX, a XXXX XXXX in XX/XX/XXXX, had another episode with the multiple XXXX in XX/XX/XXXX that caused a XXXX XXXX XXXX, and then had a XXXX XXXX  transplant in XX/XX/XXXX, so needless to say the last thing we need to worry about is losing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We spoke to Bank of America nearly 4 months ago because we used their Billpay service to send a check to our HOA for a check for {$250.00}. This was on XXXX 2017. However, the check was stolen and cashed. The signature on that cashed check was not the HOA 's signature, and the account was not under the HOA name. We reported this check as stolen with the police. 

Bank of America, however, has yet to actually refund our check ( 3 months later ). They told us that we would get the money back in 90 days for sure. However, it 's been more than 90 days and they are saying that they are still waiting on the Federal Reserve to refund. I 'm not sure why they promised us we would get the funds back in 90 days if it was n't true. 

It 's taken more than 5 phone calls, countless hours and emails so far and we have not had the funds returned.

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