vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX am trying to avoid foreclosure by doing a short sale. I am working with my Realtor to XXXX XXXX to resolve this debt. I am a US Veteran and am currently unemployed. I need to do a short sale to decrease the damage on my credit and for relocation assistance. I have been unemployed for several months and have been unable to maintain my property. My property currently has damage in the interior and has not been review by M & T Bank or the Veterans Affairs ( VA ). We have been told by M & T Bank that an exterior appraisal has been done and came in at {$240000.00}. 

The appraised value of {$240000.00} is for a condo in that complex that has upgrades and in excellent condition. The appraisal that is being used is incorrect and we need to have an interior inspection completed. This current value of {$240000.00} is either a mistake or a fraud value. This situation will cause XXXX XXXX a foreclosure. It is impossible to sell this condo in its current condition at {$240000.00}. As we have told M & T bank several times there is not a buyer on earth that will ever pay {$240000.00}. We believe the current value to be {$230000.00}. We are sending a current sale in the same complex that recently closed a {$230000.00}. XXXX  XXXX was in excellent condition. Please keep in mind due to COVID-19,  were a down market, not up.

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 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is Debt Recovery Solutions XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Debt Recovery Solutions failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) Debt Recovery Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation Debt Recovery Solutions is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Debt Recovery Solutions is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Debt Recovery Solutions has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
This company has been a complete Nightmare. I traded in my XXXX XXXX XXXX into the XXXX Dealership for a new Vehicle XX/XX/XXXX. 

It was paid off and transferred from my name by XXXX XXXX to XXXX XXXX. Over the years I've contacted Exeter Financial about the late remarks and continued bad errors. 

The have refused to remove them. I called them to ask for the removals and they retaliated and added 2 More. Please investigate and reprimand this company for tarnishing the reputation of my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive made an attempt to update information on my account and several accounts were included in bankruptcy. Now, it appears that the accounts are showing as new collections and in dispute. Ive not initiated any disputes, please update with current information.

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 2020-04-02 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: MS

Complaint narrative:
One of my creditors, XXXX XXXX & XXXX Account XXXX, continues to report me to Experian as " delinquent '' after I settled this account at least a year ago. In fact, it says on my report that this account was settled ( Paid in settlement. {$500.00} written off ). And yet the company is still reporting to Experian each month that I am delinquent, when I already settled this account. I have disputed this account twice with Experian, and Experian has refused to remove the derogatory remarks that continue to be added to my report each month, even though this account was settled at least a year ago.

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 2020-04-03 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: AES/PHEAA
State: PA

Complaint narrative:
I've tried calling AES multiple times and messaging via their website and XXXX in the last 7 days. No direct reply. They are sending out stock answers to people saying that they are a commercial lender that does not have to comply with the CARES Act. They are refusing to stop interest and will only offer 90 days forebearance. They consolidated my federal student loans, I had no choice In the matter. They are skirting law yet brag about being an officially designated FEELP servicer right on their website. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, I entered into a closed end mortgage with XXXX XXXX  as the lender for a sum total of {$50000.00}. The contract provided for monthly payments beginning on XX/XX/XXXX and ending on XX/XX/XXXX total amount paid in full. 

A full payment was made XX/XX/XXXX which should have been the final payment. On XX/XX/XXXX I received a payment notice to make a full payment of {$430.00}, on XX/XX/XXXX I called Santander Bank NA who had taken over the bank and the mortgage from XXXX XXXX in XXXX. On XX/XX/XXXX I received an invoice stating that a balance of {$5500.00} .plus cancelation fees for a total payoff of {$5500.00} would be needed to pay off this mortgage in full. On XXXX XXXX I sent Santander Bank a check for {$5500.00} ( the amount of payoff ) On XX/XX/XXXX I received cancelation documentation that was dated XXXX XXXX the documentation included the original mortgage contract the was canceled and recorded by the XXXX County Clerk XXXX XXXX XXXX. Which stated the a for mentioned provisions of the contract. 

On XX/XX/XXXX I contacted Santander Bank and informed them what I had observed in the canceled contract the I received. They told me this needed to be escalated to there back office and that I could call then back on XX/XX/XXXX and they would have an answer for me. On XXXX XXXX I called back and I was informed that sometime during the life of the mortgage that 7 extensions were made to the mortgage they could not tell me how, when or why.. The canceled mortgage I received was the original document and contained no modifications or addendums. I asked to have a copy for there findings sent to me in writing, they told me that the normally do not do that but since I asked they would send me a copy of what they read to me over the phone but it would take 5 to 10 working days. That time period has passed and I do not find it productive to contact them again. At this writing I believe that the documentations that will be attached to this complain justify a return of {$5500.00} that I should have not paid.

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 2020-04-03 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: TX

Complaint narrative:
XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of 2018.

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 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Attempts to collect debt not owed ( debt was only {$50.00} and paid in full/satisfied almost ten years ago ; XXXX, Wachovia ( Wells Fargo ), and I have proven documentation of this ) Written notification about debt ( never received any notification in writing of a 1,000 plus debt as it NEVER existed ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) Took or threatened to take negative or legal action ( threatened to sue, arrest, seize property, deport, collect exempt funds, damage your credit ( report to XXXX  again with a fabricated amount, XXXX is aware it was paid, satisfied, AND ALREADY REMOVED years ago and was only {$50.00} NOT 1K plus )

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 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
Amsher Collection is claiming that I owe {$620.00} to XXXX. I've NEVER had phone services with XXXX as I've had XXXX  for the past 11 years. This collection has been placed on my credit reports and is tarnishing my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
Okay im resident of XXXX Ohio and I was scammed out of XXXX $ on Thursday XX/XX/XXXX. 
Okay this what happen i walked to the ace cash XXXX right and i had check in hand and id and was just trying to do business right. Im second in line up next, i get to the window and i gave her the check then she ask for id i gave it to her. Then she started talk to me like a Friend right we was talking bout nothing for real then she got the cash out the register right then counted the money .Then somebody walk in and i looked to see just a random boy then i looked back at the lady/employee she put some money back in the cash register. She acted as she put all the money up on the conuter all XXXX $ up but really put XXXX $ back in the cash register as i look away Sincerely unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I contacted the CFPB previously about the inquiry about the financial insitution previously stated in my claim ID # XXXX. I spoke with an institution that did not state who their name was when I spoke with them on the phone, believing from their letter to be from the VA. We provided them with information not realizing they were from another financial institution and never gave verbal or written authorization to run my or my husband 's credit. I would not have authorized the credit reporting had the person I spoke with asked or stated that was a step they were going to take. The FDIC closed my case # XXXX and when i spoke with them on the phone with them about it, they said to contact you guys again about it.

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 2020-04-03 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: TX

Complaint narrative:
XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of 2018.

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 2020-04-03 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: TX

Complaint narrative:
XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the Navajo Nation Human Rights Commission spurred the FTC to take action which began in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: FL

Complaint narrative:
After reviewing my credit report I noticed false and fraudulent information reported on my credit history. I am honestly disappointed and tired of scammers stealing identity and using it as there own! Only to hurt working class individuals like myself, livid!

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 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WI

Complaint narrative:
Falsely publishing information on XXXX XXXX and XXXX. This debt Doesnt belong to me as Ive never been to XXXX Nor have I received any paperwork Or contracts stating they have the right to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Best Buy Visa Card had a fraudulent charge of {$2.00} for a " Best Buy Donation '' Which I never made, I called to dispute the charge. After several hours and back to forth calls and transfers making it extremely difficult to get a resolution they finally said they would look into the disputed charge. I finally received a letter in the mail regarding my fraud claim, it states that they looked into the fraud claim and they are removing the charge and interest and related fees. However, my most recent statement is still charging me for this fraudulent charge and fees and stating that it is two months late, but now the charge says a 'balance transfer '' for that fraudulent charge. I have great credit and this has now lowered my credit score down substantially. I have done everything in my power to call and resolve this with this credit card company and they are acknowledging it as fraud but not removing from my credit card and continue to call me with an automated collection. I try to call and can never get anyone on the phone to resolve this, I keep getting transferred and transferred to now one. This seems like scam that they are charging their customers and I don't no where else to turn.

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 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MS

Complaint narrative:
Company - CashApp XXXX  XXXX  Primary Problem # 1 - Missing {$200.00} in a series of payments received between Monday ( XX/XX/2020 ) through Wednesday ( XX/XX/2020 ). 

Primary Problem # 2 - The CashApp Website provides no phone number to contact them for support and none of the self-help narratives offer a process to resolve this type of problem. 

Details : These 30 transfers are the payment activity ( including CANCELED transfers ) during this period : 1. Amount = {$50.00} - XXXX $ XXXX, Monday, XXXX XXXX  2. Amount = {$35.00} - XXXX XXXX XXXX  XXXX, Monday XXXX XXXX  3. CANCELED - Amount = {$450.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  4. CANCELED - Amount = {$300.00} - XXXX XXXX sent by XXXX XXXX, Tuesday XXXX XXXX  5. Amount - {$100.00} - XXXX XXXX XXXX, Tuesday XXXX XXXX  ** CASH-OUT = {$180.00} 6. Amount = {$450.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  7. Amount = {$100.00} - XXXX XXXX XXXX XXXX, Tuesday XXXX XXXX  8. Amount = {$38.00} - XXXX XXXX XXXX XXXX, Tuesday XXXX XXXX  9. Amount = {$10.00} - XXXX XXXX  XXXX, Tuesday XXXX XXXX  10. Amount = {$50.00} - XXXX XXXX XXXX  XXXX, Tuesday XXXX XXXX  11. Amount = {$75.00} - XXXX XXXX  XXXX XXXX XXXX, Wednesday XXXX XXXX  12. Amount = {$320.00} - XXXX XXXX XXXX  XXXX, Wednesday XXXX XXXX  13. Amount = {$480.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  14. Amount = {$94.00} - XXXX XXXX  XXXX, Wednesday XXXX XXXX  15. Amount = {$66.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX   16. Amount = {$100.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  ' 17, Amount = {$200.00} - XXXX   XXXX XXXX  XXXX, Wednesday XXXX XXXX  18. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX   XXXX, Wednesday XXXX XXXX  19. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX   XXXX, Wednesday XXXX XXXX  20. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXXXXXX, Wednesday XXXX XXXX  21. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX,  Wednesday XXXX XXXX  22. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  23. CANCELED - Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  24. CANCELED - Amount = {$300.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  25. Amount = {$120.00} - XXXXXXXX XXXX XXXX, Wednesday XXXX XXXX  26.Amount = {$50.00} - XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX  27. Amount = {$50.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  28. CANCELED - Amount = {$390.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  29. CANCELED - Amount = {$390.00} - XXXX XXXX XXXX, Wednesday XXXX XXXX  30. Amount = {$60.00} - XXXX XXXXXXXX XXXX XXXXXXXX, Wednesday XXXX XXXX  Total Payments = {$2200.00} Total Showing Available on CashApp for Cash - Out = {$2000.00} TOTAL MISSING - {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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:
After reviewing my credit report I noticed false and fraudulent information reported on my credit history. I am honestly disappointed and tired of scammers stealing identity and using it as there own! Only to hurt working class individuals like myself, livid!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: FL

Complaint narrative:
I noticed fraudulent activities on my credit report that I did not consent nor authorize! I am highly upset to know that I I've been scammed!

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