vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the XXXX XXXX, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company. 
FCRA XXXX ( a ) ( XXXX ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution XXXX submit additional negative information to a consumer reporting agency described in section XXXX ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 

( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice XXXX not be included in the initial disclosures provided under section XXXX ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who XXXX that it was XXXX and XXXX me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a correct statement so we wont have this maundering anymore of my account and stated that this mistake would be corrected. XXXX payments were sent for XXXX when my lease was up, and I got another card. I have never been late on any of my accounts and have perfect history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX a company - XXXX XXXX in XXXX, Oklahoma - charged my BOA Visa {$3000.00}. I had made a purchase with that company earlier that year & they kept my card info on file! When I contacted the company they issued a credit on XX/XX/XXXX, but on that same day that amount was charged again! XXXX XXXX said it was a mistake made by my credit card company. They told me it was my problem to deal with ( even though they initiated the problem with the initial false charge ) Over the last 10 months I have made several calls to BOA. The last two reps I spoke with said it was a glitch in the system and the charge would be removed. That hasn't happened. I closed the account, but continue to get billed for the amount plus interest and late fees. It is extremely frustrating as every time I call, I'm always directed to someone new, so I have to begin all over with the history of the problem. They never provide proof of what they tell me regarding the removal of the false charge. I've spent a so much valuable time on this with absolutely no help from this company.

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 monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Ive spoke with this company XXXX. I paid off my car on XX/XX/2021. I over paid by XXXX and some change. I called them made them aware they said I needed to wait XXXX business days for payment to clear. On XXXX XXXX I called customer service said they spoke with the accounting and that I will receive the check by before the end of XXXX. Its now XX/XX/2021. I called and my refund payment is still pending approval from a XXXX and I get told to call back on XX/XX/2021. The first time I spoke with someone they said it would only be XXXX weeks XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Upon checking my credit report, I notice an account from WELLS FARGO BANK that I believe is not being reported correctly on my credit report. On XX/XX/2020, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that WELLS FARGO BANK is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.

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 2021-10-05 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: TX

Complaint narrative:
On XX/XX/2021, I ( XXXX XXXX ) with account ending in XXXX sent a claim to : Chase Amazon Claim Services. In regard an unauthorized charge for amazon.com. Order XXXX. Order date XX/XX/2021. Dispute Amount : {$140.00} USD. 

However, I have not received my credit back. For this reason, I appeal to your help to resolve this issue. I did not authorize this charge to my credit card, and They have not give me my credit and money back. Consequently, I am paying that debt and that fraud plus interest. I am a XXXX person and I have no money to pay for the theft they are doing to me. So I ask you to fix this fraud with Chase Bank and Amazon, to return the money that I have paid, and to get back my Amazon account, due that although I am paying, they cancel my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have had this XXXX account since XXXX, or XXXX, which is used for many dental offices. 

At the beginning of the year I had a XXXX balance, and then went to the dentist multiple times starting XX/XX/XXXX, through XXXX. 

As with all my bills, I paid XXXX {$100.00} every time I got my monthly email from XXXX saying that the minimum payment due was {$56.00}. 

I was shocked to find out this month that my balance has gone up, am being charged {$120.00} interest alone this month, etc. etc. 

Am still on hold with XXXX, as I type this, for more than an hour. The previous two people keep trying to tell me that this was some promotions, and that the dentist should have told me about it. 

This was an active account before I ever went to this dentist. with a XXXX balance, which I had paid off years ago. 

How can an existing credit card company say that a new charge was a promotion? How can they say that the dentist should be telling me this? An existing card!!!!!!!! 

They say that the current, and multiple charges on my card had their own multiple promotions, again for an existing credit card. 

Am pretty sure that my legit charges were somewhere around {$1600.00} by the time I was done with the dentist. And now, after six months of paying {$100.00} a month, almost twice the minimum payment due, my balance is over {$1700.00}! 

How is this legal??????????????? 

Still on hold waiting for the supervisor 's supervisor. But if it's like the previous call, I fear they will just disconnect me again. 

This can't be legit! I've been through enough with Covid, financially speaking, haven't we all. 

Can you please help me! 

The company can identify me through my name and phone number XXXX XXXX XXXX XXXX Thank you,

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 monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I had been approved for a loan modification, XX/XX/2020 payments have been on time for 7 months, now I get an XXXX payment returned due to lack of paperwork, I have try to reached out to SPS and each time a new answer, pending who answers the phone, even the onbudsman has conflicting information ; help I getting further define, as daily life happens and the mortgage is getting further behind, I not got a brand new answer one I have not heard. That I was to have 2 copies of the notarized papers.. what.??? Ok. Now I wait. Once these will be returned I can know it will be a different matter, no wonder the rating is 1 and most consumers would like to make this company a XXXX, Has been almost a year and they are still missing documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CarMax, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a letter from CARMAX AUTO FINANCE accusing I of an alleged debt with an fictitious name attached. 

Definitions from XXXX XXXX Dictionary 3rd edition : 1. Person- An individual or an organization. An individual man, woman, or child or, as a general rule, a corporation under the negotiable instrument law, an individual or a body of persons whether incorporated or not. 

The word person in legal terminology is perceived as a general word which normally includes in its scope a variety of entities other than human beings. See e.g. 1 U.S.C. Sec. 1. Church of Scientology v. U.S. Dept of Justice ( 1979 ) 612 F. 2d 417, 425.

2. Straw man- A dummy. An irresponsible bondsman or surety. One made to appear as the owner of record who in fact holds title for another. 

Per the constitution, ( Article VI ) The senators, representatives before mentioned, and members of several state legislators, and all executives & judicial officers, both of the United States & of the several states, shall be bound by oath or Affirmation, to support this constitution : Violations 18 USC 1341-Frauds & Swindles 26 USC 1275-other definitions & special rules 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666b-Timing of payment ( You cant treat any payment as late ) 12 CFR PART 1026-Truth in lending 15 USC 1666a-Regulation of credit reports 26 USC 6304-Fair Tax collection practices 15 USC 1666d-Treatment of credit balances 15 USC 1692c-Communication in connection with debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
1. My CD has matured and I clicked the link on the website ( and also the mobile app ) to close the account.

2. BBVA bank wanted to send a security code to my phone.

3. The phone number on file is a landline and can't receive text messages 4. When i tried to change the number, the bank wanted to verify be sending a text message to my landline, which can't be done 5. I called the bank, and 2 customer service people hung up on me after I explained the problem.

6. A third person understood the problem and told me he changed the phone number.

7. I received an email from BBVA indicating a phone number had been changed and the i would have to wait 24 hours to make any transactions.

8. I waited more than 24 hours.

9. The website still has the old phone number and won't allow me to change it.

10. I now have less than 7 calendar days to resolve this problem, but the bank is not providing me with any help.

11. Last year, I requested the account be closed and the money transferred, and they didn't do it, locking me in for an additional 12 months at 0 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I've paid them and they still are showing that I'm derogatory. My next step is to file a court petition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
There are several unauthorized inquiries on my account that I have no knowledge of, these inquiries has been on my XXXX credit report since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
There are several unauthorized inquiries on my account that I have no knowledge of, these inquiries has been on my XXXX credit report since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTS REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS SD IS CONNECTED TO A FRAUD LOAN. ALSO THE ATTORNEY FOR XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS 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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of 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 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ive been a loyal customer of BOA for about 3 years. On XX/XX/XXXX - XXXX, Bank of America had a worldwide technical difficulty that caused payments to not be received or sent. I linked my Bank of America debit card to my XXXX account and proceeded to Add Cash in two separate transactions of {$400.00} and {$460.00} totaling up to {$860.00}. Once I submitted for the payments to be sent to my XXXX, NONE of the payments appeared onto my XXXX account! The money was taken off of my BOA account but never made it onto my XXXX account. On XXXX XXXX, I contacted XXXX and they said they seen NO HISTORY of the transactions. XXXX suggested that I call my bank and get the money reimbursed because they werent able to see any transactions of it on their side. I was surprised because the money was still taken off of my Bank of America account. On XXXX XXXX, I then called BOA and they filed a dispute, but gave all type of excuses not to reimburse me of the transactions. My transaction to XXXX got lost in the crossfire of Bank of Americas website having technical issues. My money was never retrieved, nor was provisional credit issued from Bank of America! They told me 90 days until it can get resolved. Thats ridiculous!! Im currently late on rent because of this situation. BOA is always having major website/app issues that puts customers money at risk. I need my money reimbursed now! I wish the customer service was more helpful and considerate of peoples money.

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 monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I began the process of refinancing my home with " Freedom Mortgage Company '' on XX/XX/2021. After submitting ALL the documents requested by Freedom Mortgage, the company was negligent with the handling of my loan. They would ask for the same documents over and over again because they would pass my loan to several agents within the company. As a result of this process, seven months has gone by and TWO appraisals and one termite inspection that I paid for expired. Freedom Mortgage requested that I pay for and submit a THIRD appraisal and SECOND termite inspection. At this point I am cutting ties with Freedom Mortgage and requesting to be reimbursed for the money spent.

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 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court

Company response to consumer: Closed with explanation