vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: MD

Complaint narrative:
This account is not mine and I have already provided information to the credit bureaus in regards to this account. I have provided as much information that I have and the creditor has been given ample time to investigate. The request for more information that was already given is a delay tactic and I demand this be removed from my report. This fraudulent account is keeping me from being able to buy a home and causing mental and emotional harm. There is no account information as I never had an account with this company. i am left no choice but to take legal action if this account is not removed from my report. A request for information that was already sent via certified mail is not verification or validation of debt. 

Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  XXXX  from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.

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 2020-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for a payday loan. There was an advertisement for a loan from Crestline Finance, advertising a 19 % loan. I was able to qualify for {$600.00} to be paid in one month. I was informed of an annual {$30.00} charge. I signed the loan agreement. On XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I paid approximately {$670.00} and in return received {$570.00}. I questioned the fees but was never given a clear explanation. I called Crestline on XX/XX/2020 and informed them of my intent to pay off the loan on or about XX/XX/XXXX. I wanted to avoid any automatic deduction and was told the only way I could stop the ACH which I had never used was to write them a letter. They would not provide a fax or email notice. So I sent a Priority letter on XX/XX/2020 indicating that I no longer agreed to an automatic deduction. I then went to both the physical store and called Crestline to discuss what I believe to be undisclosed fees. I finally discovered that I was paying a 10 % fee each month for use of a third-party processor? There is no mention of this fee in the contract, nor could anyone explain why it was necessary since I paid in cash at the store on each due date. I called Crestline and attempted to resolve the matter but I was put on hold and then the telephone call was disconnected. 
I have attached the loan agreement, along with the transaction history from their website which does not include the {$60.00} charge. However, I also submitted a copy of a the referenced receipt and it shows a payment of the {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.

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 2020-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I can not send money as way of ACH using XXXX, to verify my account to send an ACH. I have had this problem a few months ago and the PNC Bank stated they are fixing it. I tried to verify again today and they have not fixed it at all. I will not be able to contuine having an account with this bank and if they want to charge me {$45.00} to send a wire transfer everytime, when I could send a ACH free. I don't belive this is fair to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This complaint is against 2 companies : XXXX XXXX XXXX ( XXXX, NY ) & XXXX XXXX ( XXXX, DE ). 

I, XXXX XXXX, received a letter dated XX/XX/XXXX from XXXX XXXX indicating I owed a balance of {$3300.00} that had gone into collection from PayPal , Inc . Since I have never had an account with PayPal, I filed a complaint with the XXXX  and XXXX XXXX quickly indicated that no debt was owed. I did not take it to the CFPB at that time since they fixed it. 

However today, XX/XX/XXXX, my wife, XXXX XXXX, received the exact same letter in the mail only it is for the amount of {$1400.00}. She just disputed it to the XXXX  on her behalf to hopefully have that balance removed as well. 

If you go to the internet and search up this company, the first XXXX auto-search shows " Paypal scam '' so obviously this is a real problem. Their mailing address on both of the letters say : XXXX XXXX XXXX XXXX, TX XXXX That address on XXXX XXXX  looks like a shack in the middle of nowhere. 

The second complaint is against XXXX XXXX as I, XXXX XXXX, received a collection notice for PayPal in the amount of {$46.00}. Coincidentally, that letter is also dated XX/XX/XXXX just as my wife 's was dated. Both of these were sent to our home address. 

If you XXXX XXXX XXXX, a similar auto-result shows up indicating " PayPal Scam ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 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: MD

Complaint narrative:
This account is not mine and I have already provided information to the credit bureaus in regards to this account. I have provided as much information that I have and the creditor has been given ample time to investigate. The request for more information that was already given is a delay tactic and I demand this be removed from my report. This fraudulent account is keeping me from being able to buy a home and causing mental and emotional harm. There is no account information as I never had an account with this company. i am left no choice but to take legal action if this account is not removed from my report. A request for information that was already sent via certified mail is not verification or validation of debt. 

Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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 AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.

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 2020-07-28 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 AM VICTIM OF AN IDENTITY THEFT, AND I DONT KNOW WHAT ELSE I NEED TO GIVE TO PROVE MY INNOCENSE OR THE FACT THAT I HAVE NO IDEA WHO THE THIEF IS. I HAVE SENT MY POLICE REPORT, MY IDENTITY THEFT REPORT. I HAVE CALLED NUMEROUS TIMES TO THE CREDITORS AND TO THE BUREAUS. BUT SEEMS LIKE EVERY BODY DOES WHAT THEY PLEASE AND AS A CONSUMER AND A VICTIM I HAVE NO RIGHTS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER MADE ANY OF THE CHARGES, THESE ARE NOT MY ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: FL

Complaint narrative:
We closed on a refinance on XX/XX/XXXX. Our homeowners insurance was due on XX/XX/XXXX. We received a notice of cancellation for the policy for XX/XX/XXXX. I have been in contact with my mortgage holder by both telephone and email in an attempt to get this paid. As of today ( XX/XX/XXXX ) the bill was still not paid. To avoid cancellation, I paid the premium out of pocket. My mortgage holder is Prime Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I have a loan with NISSAN MOTOR ACCEPTANC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and NISSAN MOTOR ACCEPTANC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group
State: WA

Complaint narrative:
Ive paid off the loan as of XXXX XXXX. I paid this loan on a settlement price of $ XXXXto XXXX XXXX XXXX. Upon payment they informed me that XXXX/ascedium wasnt taking incoming calls at the time to resolve the issue in my credit report. XXXX XXXX XXXX  deleted my account with them as soon as I paid the settlement amount and the payment cleared. Im calling them to receive an XXXX  balance report they told me they couldnt because they deleted my account. I finally got ahold of XXXX/ascedium and they told me they would not email me a copy of my XXXX  balance I would have to wait for a letter in the mail which could take up to 45 days. I informed them I needed this to be resolved for a mortgage loan. I provided them all documentation that it was paid and cleared. They still have refused to remove it from the credit bureaus as paid in full and in good standing. I have all documentation proving it was paid and has cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND THE STATE FARM BANK ACCOUNT WAS OPEEND FRAUDULENTLY WITHOUT MY CONSENT, I HAVE BEEN SCREEMING XXXX  XXXX FOR SO LONG I AM JUST TIRED OF THIS UNFAIR APPROACH TO CONSUMRS, THIS IS JUST RIDICULUS THIS ACCOUNT IS FRAUDULENT THE CHARGES ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
They call us all the time and now they are calling relatives that live thousands of miles away at work and harassing them. They can not call relatives unless they are trying to locate is which they have already. They have illegal collection tactics. They need to be kept on check.

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 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
Monterey Financial Services are attempting to collect a debt, but they have committed a couple of violations. The first issue is they sent me a letter after I made my initial dispute stating they notified the credit bureaus to remove the collection from my report. It was removed XX/XX/2019 from XXXX  and XXXX. When I sent proof to XXXX  they informed me that Monterey requested the item to stay on my report. I contacted Monterey and an account manager told me the letter they sent me was a generic letter and they no longer send those letters out. After doing some research I also realized my account number isnt the account number I have with them and what is being reported on my XXXX  report are different. I have also found that the company is not legally registered to collect debt in the state I reside ( Indiana ) this information was found in an online database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a credit card offer from Wells Fargo directly in my email inbox stating I had been invited to apply for their Platinum credit card. I responded to the offer and applied for said credit card. A week later, I received a letter denying my application stating as the reason : " Not a XXXX XXXX XXXX XXXX  ''. 

I am a working, highly educated lawful XXXX, on a XXXX XXXX  and I have been a client of Wells Fargo since XXXX. The fact that my application was denied due to me not being a US XXXX XXXX  holder demonstrates that I was clearly discriminated against due to my XXXX XXXX  and lawful XXXX  status. They pre-approved me for a credit card but once I responded to the offer, I was unfairly treated, discriminated against on the basis of my XXXX XXXX. 
As a woman of color, XXXX  and belonging to an XXXX minority, I could not, in good conscience, stay silent as many now in America face discrimination and unfair treatment due to being a minority. 
I have reached out to Wells Fargo via email on XX/XX/XXXX, in regards to this matter but they have not responded to my claim. 

According to the Equal Credit Opportunity Act : " The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, NATIONAL ORIGIN, sex, marital status, age, or because you get public assistance. '' In XXXX, Federal Judge XXXX XXXX from XXXX XXXX ruled " the right of noncitizens, including those with XXXX status, to be offered credit on the same terms as U.S. citizens in a lawsuit against Wells Fargo in a case identical to mine. 

In that sense, I do have grounds for legal action, however, I would rather settle this matter amicably, that is why I am reaching out to CFPB for assistance.

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 2020-07-28 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: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX I contacted my local branch of BB & T now 'Truist ' to notify them that I wanted to change the instruction my monthly consumer loan payment with them which I had with them for since XXXX. BB & T currently is using my checking account that I have established with them since XXXX to debit on monthly basis to get paid on this loan. 
my intension on XX/XX/XXXX was to change this arrangement to my checking account with XXXX XXXX XXXX. .Banker at XXXX XXXX XXXX XXXX FL XXXX processed the required paperwork the he presented to me for this request. Last week I contacted the BB & T consumer loan dept. to find out about the status of my new instruction on this loan payment I was told that as of XX/XX/XXXX they have NOT received any forms from me or the banker that has processed my request at the local branch. Immediately again I contacted XXXX office branch and spoke to the same banker that had processed my original request and was told by him after his research on status of the form that the form is LOST and the fax DID NOT go through be their system.! He wanted me to go back and start the process again. On XX/XX/XXXX I received a registered letter from branch manager of this branch that BB & T decided to CLOSE my savings and checking accounts with them in 10days and  as of the date of their letter to me I should not use their banking service and cease writing checks on my accounts. 
This action by the bank is very upsetting to me and my wife. As I indicated before Myself and my wife have been a long term customer of this bank and in a very GOOD STADING Status. I recently paid off my mortgage with them. Never wrote a bad check or violated any condition that may cause this action by the bank. No reason was given on their action. I will appreciate if your Bureau can look into this matter for me to find reason of this action. I have done everything right on my side and those are the one at fault for messing up my instructions.

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 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020, I called in to check on the status of my previous credit card payments. I was told that it would be in my favor to pay the amount due on the card {$27.00}. I did that 3 days before the actual due date and received confirmation that it has posted to my account leaving it at a {$0.00} dollar balance. I can not get an auto loan because of this and need it removed with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Accounts Management Services
State: IL

Complaint narrative:
I'm disputing several debts with XXXX XXXX XXXX XXXX. They actually sent this account to a collection agency. Which is AAMS LLC. I disputed this debt recently with AAMS. I then received itemized bills from XXXX XXXX XXXX XXXX saying address unknown. I informed the collection agency in the last complaint that I've been a victim of identity theft and they refused to remove this negative information from my credit report. If these charges were in fact incurred by me, why is the address unknown? No other information was given and why didn't they bill my insurance? XXXX XXXX XXXX, XXXX XXXX XXXX. No other hospital or pharmacy that I actually received service from had a problem billing my insurance. You all need to bill the insurance and remove this negative information from my credit report. If this is not resolved, I will take further action. 
The account numbers are below XXXX XXXX XXXX XXXX XXXX

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