vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2021 I was scam victim via XXXX when someone pretended to be my friend using his Whatsapp account, he asked me a favor to send a money to another person using her name and phone ( linked to XXXX account ) which I proceed to transfer {$200.00} via XXXX from my Chase account, I did because I assumed XXXX was safe, secure and trusted ( wrong ). Then he asked me for {$250.00} more, so I started suspecting of a scam and I called him to his phone number to ask about this favor, which he denied. I started my claim process calling to Chase ( none available to speak ) only automated services which doesn't have any options for this. 

Now XXXX doesn't have acknowledge responsibility ( none to talk ) and the bank also denies their own responsibility by saying, you did authorize the transaction. My complaint now is who verify XXXX accounts ownership? can " anyone '' use " anyone 's '' phone number and open a XXXX account on behalf " anyone ''? I spend one hour of my time being transferred 4 times and explain same thing to different customers representatives and at the end they said " we are not responsible for that, it is your fault ''. I am not trusting XXXX nor Chase to do any online transaction, thinking closing my accounts there too. 

I am 80 % sure that the person who owns the phone number doesnt have knowledge about what happened to her account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am and international account holder from the XXXX who held the account with BBVA for over 7 years absolutely zero issues until the BBVA compass / PNC bank merger that took place on the XXXX to XXXX XX/XX/2021. 

I have not able to log into my account using the details PNC provided for nearly a month now since this merger. 

My complaint ref with PNC is XXXX During the last month I have spent numerous hours with PNC on the phone and sent emails and I still haven no resolution. 

After my initial call to customer services my complaint was given a number ( listed above ) and I had contact with a lady called XXXX on the XXXX and then the XXXX XXXX via the phone and this email ( XXXX ) She couldn't resolve and said she would escalate the problem. 
I then had contact from XXXX XXXX ( XXXX - Title = VP Executive Client Relations ) on the XXXX XXXX a few times via the phone and email taking more details. 

Again she couldn't resolve so passed the case on to another colleague XXXX XXXX ( XXXX - Title Executive Client Relations ) who I spoke to a few times from the XXXX onwards trying to resolve via the phone. I was promised a call back on the XXXX, that didn't happen so I emailed XXXX on the XXXX and he called me back to apologise, once again he tried to resolve after he had done some maintenance work on the account. XXXX then suggested he would have to pass it over to the team dealing with the BBVA compass / PNC merger issues. I immediately said this should have been done from the start and not 2 weeks into my complaint. 
I was promised an update on Monday XXXX XXXX, that never happen. 
I left it till the XXXX and then emailed XXXX again as for an update, I had no call or email reply to that email. 
On the XXXX I tried to call 3 times and left him 2 voice mail messages asking for an urgent update and a call back with progress. No reply yet again on either email or phone. 
I have called twice today on the XXXX XXXX and left another voice mail asking for an urgent update stating I am filling in this complaint and also emailing the CEO of PNC bank about the shocking situation i am in. 

Copies of all my emails attached in EML format. 

I have in excess of $ XXXXk in this account after just selling a property and need urgent access. 

If youre not already aware this merger is a total shambles doing research online, their customer service is overrun with thousands of complaints varying for no access, cards not working, accounts disappeared, business customers not able to make payments. 

Its a total and utter mess. 

Please intervene and help me regain access to my account. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian National Consumer Assistance Center at XXXX XXXX XXXX, XXXX, TX XXXX NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ).

I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. 

INQUIRIES XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . 

THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( XXXX ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.

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 2021-11-08 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: CCS Financial Services, Inc.
State: MA

Complaint narrative:
XX/XX/2021 I discovered a company named Credit Collection Services claiming I owed them money for a medical debt listed as a negative account on my credit reports ( all three bureaus ). I do not know this company. I sent them a 93A Demand notice requesting validation of debt and informing them in the state of MA it is not legal for a debt collector to place their name on a consumer report ( laws include : 209 CMR 18.18 : Unfair Practices and 940 CMR 7.07 : Deceptive Acts ). I requested immediate validation and removal from my report. 
Credit Collection Services failed to reply to me with any validation or correspondence but they did remove their listing from my XXXX Report and XXXX Report. They continued to report to XXXX. 
XX/XX/2021 I sent them a 2nd 93A Demand Notice again requesting validation of their claim and reminding them of Mass laws. 
They failed to reply or take any actions. They continue to list their account illegally to XXXX. 
XX/XX/2021 I sent them a 3rd notice informing them complaints would be filed with the authorities for fraud and violations of the FCRA and FDCPA. They again failed to reply and continue to report to XXXX harming my credit and making fraudulent claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have no problem with our ability to pay our mortgage and had everything set up for recurring, automatic payments. 

Suntrust recently took over our mortgage- the fourth transfer in about 6 months. So we had to set up everything all over again. There were many hiccups in the beginning and we got communications from them explaining that they were also merging with another bank and they took responsibility for the problem. 

Now they continue to have problems, they gave us no phone call, no email, no letter indicating any trouble until we suddenly got a letter indicating our loan is in default. 

We had to wait for an hour on the phone after being knocked out of the call twice when the system seems to have randomly kicked us out. We have finally been able to make the payment but they still did not set up the recurring payment. We are now waiting on the phone for a fourth department as they try to find someone to help do that. 

We did not choose this company, we would never choose this company. Why is mortgage transfer allowed without minimum commitment?

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 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself there IS NO THIRD PARTY INVOLVE. Attached is a right to rescission notice along with cease and desist notice and cease and desist response and notice of billing error. Physical copies are on the way to USAA FEDERAL SAVINGS BANK as well. Please respond back to confirm receipt of these items through CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Call from XXXX XXXX Claiming they Credit Collector Agency. 
On XX/XX/2021 at approximately XXXX XXXX a call came in from XXXX, asking to verify my address and DOB ( gave it up, unfortunately ) and claiming debt is owed to XXXX XXXX from XX/XX/2021 for the amount of {$79.00}. 
They threatened to report bad credit to credit holders. 

I had my spouse speak on behalf of me because I was not aware of any debts. We decided to take their information for a call back after confirming the claim of dept through XXXX XXXX. 
We called XXXX and confirmed there is no outstanding debt. There are no existing files on their system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
XXXX XXXX and XXXX inquiry has report defamatory information about me to the 2 credit Bureaus on XXXXXXXX XXXX. I am challenging the incorrect information with XXXXXXXX XXXX and XXXX inquiry on my credit report is fraud. Where Experian clearly violated the law. Experian put on my credit report an account number that is not my and the balance is false. XXXXl monthly payment of the account that is completely false and incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX, Experian and XXXX decided to ignore my demands for Validation. Validation of the debt XXXX and XX/XX/2021. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX  account and the inquiry with XXXX violation of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately.

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 2021-11-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: VA

Complaint narrative:
Fact I the affiant is aware and I have proof that Equifax has and continued to violate my consumer privacy Rights. I the affiant observed 11 Violations on my consumer credit report. Equifax is and continues to be in violation of 15 U.S code 168b ( 2 ) 15 U.S Code 1681a ( q ) ( 3 ) 15 U.S Code 1692 ( a ) 15 U.S Code 1692 15 U.S Code 1692g ( c ) Even After Being Informed Numerous Times that information was incorrect and should not be on there. I Have been Injured Numerous times from Equifax Gross Negligent and Willful Behavior These Injuries Include, And are not limited to being denied of credit, my Reputation has been Ruined, Loss Of business income, XXXX, XXXX XXXX the following accounts need to be removed from my credit report and stop the illegal activity I have never gave written instructions to Equifax to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX my information was also stolen in the Equifax Data Breach Equifax Needs To Make This Right And Remove These Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
I have many times disputed two accounts and requested proof of debt. 

I have requested proof of debt from EQUIFAX and from creditors and neither can supply anything. 

EQUIFAX only send letters of confirmation. 

The disputed accounts are : XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX to ask that they verify a collection on my credit report that I am not familiar with. The account was with ACIMA Credit FKA XXXX .... XXXX said that the account was verified. Now I am asking that they provide proof of how this account was verified. I am writing XXXX another letter and also a letter to ACIMA to verify and validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am in the process of purchasing a home and I noticed multiple occurrences of incorrect information on my credit report. My report shows incorrect name variations and other identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax this is your NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ). I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. INQUIRIES 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract 1.XXXX XXXX XXXX  2 . XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( s ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
XXXX  account and XXXX inquiry has report defamatory information about me to the 2 credit Bureaus on XXXX account. I am challenging the incorrect information with XXXX account and XXXX inquiry on my credit report is fraud. Where XXXX clearly violated the law. XXXX put on my credit report an account number that is not my and the balance is false. XXXX  monthly payment of the account that is completely false and incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX, XXXX and Equifax decided to ignore my demands for Validation. Validation of the debt XXXX and XX/XX/2021. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX account and the inquiry with XXXX violation of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX I am submitting this complaint myself and there is no third party involved.I have been patiently waiting on their response to the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ChargeOff : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation