vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
On several occasions I have filed a dispute with Equifax. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like Equifax claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with Equifax over an auto loan with XXXX from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which XXXX XXXX was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made XXXX aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed XXXX from my credit report after their investigation. But after 3 attempts to dispute it on Equifax they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

Equifax caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of XXXX from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a Bank of America debit card after registering for unemployment benefits and the card says activate immediately. I have called every number ever known to Bank of America, and can never get through, can't leave a message, can't get a call back. I can't activate the card, and Yes I have tried everything on line. Your websites the website on the card and just trying on a hope and prayer that your XXXX app would be able to help. But nothing ... ... and this is completely unprofessional by Bank of America. It's either no user name, no passcode, your security info is not valid, don't recognize credentials, need a password. And it says a passcode will be sent but it never shows up. I just need something as simple as activating a debit card, but no help from Bank of America or UIA, or the Dept of Labor or XXXX  or anyone period. Really frustrated and expect some to step up and help me activate the card. And Yes I don't have a Bank of America account, but I was happy to use a debit card because I always felt Bank of America was a class above. Apparently Not. Need Help ... XXXX 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 non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank XXXX XXXX XXXX XXXX, OH XXXX RE : Banks Failure to Post Payment Today, I received notice from PNC Bank ( Bank ) that our mortgage payment was late ; however, payment was made to the Bank on time, that payment was cashed by the Bank, and the Bank failed to appropriately allocate my payment to my account. 

Upon receiving the referenced late notice, I called PNC Bank Customer Service, where I waited on hold for approximately 10 minutes. When I was finally connected, I spoke to XXXX XXXX. I shared with XXXX, the following : 2 checks sent in one envelope to the bank, with the payment slip totaling {$2500.00} ( as done in prior months, with extra going to principal ) o Check # XXXX ( XXXX XXXX XXXX XXXX  ) - {$1500.00} was cashed by the Bank onXX/XX/XXXX o Check # XXXX XXXX XXXX XXXX XXXX XXXX  ) - {$1000.00} was cashed by the Bank on XX/XX/ Both checks included the account number XXXX advised that the payment for {$1000.00} ( # XXXX ) was applied to my account ; however, the other check ( {$1500.00}, # XXXX ) was not applied to my account. XXXX then requested a supervisor to review the account, but due to excessive wait times and heavy call volume, a supervisor was unavailable. As a result, XXXX was opening a research ticket into the matter. 

I am requesting immediate and full resolution to this matter, with written notice of the resolution, incorporating the following : The late payment of {$62.00} removed from account Any and all credit bureau reporting corrected, noting that this is a Bank error A copy of this letter has been sent to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a XXXX  ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( XXXX and Wells Fargo ) have refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. We have tried repeatedly to contact Wells Fargo by phone and by mail in particular, but they keep sending card statements and asking for payments when the police officer has told us repeatedly that Wells Fargo has never even approached him.

We have the credit card information, police report number, police report, and the Officer 's Contact Info and we can provide all of this information upon request. We've provided all of this to the companies that are mentioned. 

I haven't attached these documents for privacy concerns.

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 2020-04-24 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: CA

Complaint narrative:
I was applied for a loan and I founding fraudulent accounts I never open those accounts the police say is a identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? 

I explained to them that this debt is not mine. I also explain to them that I was XXXX in a XXXX XXXX in XXXX?? It would have been impossible for me to make these charges!! 

I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. 

I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! 

This item # XXXX has to be removed immediately! It is over 11 years old! It is unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. 

Please have them remove this item from my Credit Report with XXXX, XXXX and XXXX XXXX Immediately. Thank you I XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CA

Complaint narrative:
I was applied for a loan and I founding fraudulent accounts I never open those accounts the police say is a identity theft.

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 2020-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was applied for a loan and I founding fraudulent accounts I never open those accounts the police say is a identity theft.

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 2020-04-24 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On several occasions I have filed a dispute with XXXX. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like XXXX  claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with XXXX  over an auto loan with Santander from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which Santander USA was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made Santander aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed Santander from my credit report after their investigation. But after 3 attempts to dispute it on XXXX  they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

XXXX  caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of Santander from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Block, Inc.
State: TX

Complaint narrative:
I was paying payments for a trip through cash app. I paid {$100.00} XX/XX/XXXX, XX/XX/XXXX {$260.00},, XX/XX/XXXX {$260.00}, and XX/XX/XXXX {$260.00}. I was told my trip was confirmed. Then she said it was cancel and they gave us a better deal. Today I called XXXX  and was told flight was canceled XXXX received full refund. She never told me I was refunded. Today I asked her about it and she said the flight was still on. I asked for my ticket number and she can not confirm it. Then she text and said she will confirm Sunday. Cash app and my bank ( XXXX XXXX ) will not help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Someone, somehow accessed my bank account and withdrew XXXX dollars. Chase Bank has refused to refund it and I have tried to contact them to no avail. I'd like the camera footage pulled from the ATM accessed to illegally withdraw my XXXX dollars on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I began working with Freedom Debt Relief to consolidate my unsecured debt as I had run into much financial trouble through a series of bad events. I was told when I began with them to stop making any kind of payment to the creditors/accounts I listed with them, to begin depositing money ( a hefty amount at that! ) into a " dedicated account '', and that after 90 days of missed payment they would begin negotiating a reduced balance and interest rate. In more than 5 months they have only negotiated ONE account. I now have several accounts about to be moved as " charge offs ''. I have forwarded all communication with these creditors and asked repeatedly about why it had been more than 5 months and still no settlements, and many about to be charged off. their response each time was that I di not have enough in my dedicated account. I have researched what a charge off does to my credit ( they have never once told me a charge off would stay 7 years, and I have asked what it would do versus paying them monthly starting now ), and each of time Freedom has told me to let it go, and after the charge off they would negotiate. A charge off is too late and stays on my credit report for up to 7 years ( I have asked Freedom several times over the last 2 months about this )! I have one account that has already been charged off, and it was one of the smaller balances which they never tried to negotiate. I could have negotiated with all of my creditors based on the research and discussions I have now had with each of my creditors. All have stated once I agree to an amount and reduced interest rate directly with them, that the accounts would be reported as " being paid '' which is by far better I am finding out than a " charge off ''. Freedom has now put me in a position where I may never get my credit score back for multiple years, by stringing me along and skirting an real answers as to what this means to my credit, until the accounts reach the " charge off '' stage, all while holding my {$630.00} a month plus {$25.00} and some change fees, in their account, but not actually negotiating or paying anything toward my accounts knowing they would/wee not going to negotiate until after all accounts were at this phase, which was NOT how this was explained nor ever said or explained to me thats what they were doing every time I asked and forwarded the information about what each creditor was doing. I came to them for help with getting my debt payment negotiated and paid, they have put me in a much worse position and now holding enough money I could have paid several creditors with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have contacted XXXX in several occasions to try to rectify this issue and instead they continued to pass the buck around the company and no one would help me and yet this is still negatively reporting in my credit. 

Back in XX/XX/XXXXor XX/XX/XXXX not 100 % sure but i had an account with them i moved and transferred the account. The customer service rep some how created a totally new account for me not informing me of what she did therefore it resulted in a early term fee and some other unpaid fees that i have no clue about. When i contact the creditor EOS as well as XXXX no one can produce the finale bill Nor break down the charges to me. This is why Im bringing it here. I need this off my credit and Im at lost of what to do. My next step i guess is going to small claims court if i can not resolve it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Complaint regarding PHH Mortgage Services/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Regarding payments not properly applied to account/payments put in suspense account not used for mortgage and continue to receive Notice of Default which is stressing me out. I requested several times request for payment history. XX/XX/2018 PHH Mortgage lost {$1000.00} payment money order/I sending payments certified with money orders from USPS so i was able to report for replacement-in XXXX i received the replacement and sent to PHH Mortgage {$2000.00} which was never applied to mortgage but put in a suspense account my payments should be on track/there should have been {$2600.00} in suspense account but XXXX continue to report payments behind and Notice of Default continue to be received/unapplied balance {$2000.00}. 
( I do have all the return receipts and USPS money order ( s ) receipts. I will upload at a later time due to i do not have the ability to upload at this time ) PHH mortgage/XXXX XXXX company not only lose payments but also misapply payments and default consumer for their incompetent handling of funds PHH Mortgage/XXXX is not honoring " Modification '' for life of the loan/GMAC Mortgage changed to Ocwen then to PHH Mortgage now XXXX XXXX. I have done complaint regarding this and it has not been resolved. 

This is affecting my family and I unnecessarily during this CoronaVirus pandemic PHH Mortgage/XXXX XXXX do NOT apply payments received correctly and is NOT keeping accurate records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
OnXX/XX/XXXX I filed a complaint about southwest recovery services about a unverified collection on my credit report the company responded stated that they sent a validation letter before putting the collection on my credit file this is totally false I demand that collection is removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation