vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 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 — Problem with personal statement of dispute
Company: Risecredit, LLC
State: CA

Complaint narrative:
In reference with CFPB Case # XXXX company reply. 

I do not agree to Rise decision as since it was clearly indicated that i called on XX/XX/2017 which i was recalled that if i pay the offer of {$1600.00} there will be no late payment on the account which i accepted and settled the account. I would like to have a copy of the transcript of the call recording made on this day. If they could not provide the recording i would like to have the late payment removed on my credit report. Since the verbal promise was not acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: GA

Complaint narrative:
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX   XXXX/XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: GA

Complaint narrative:
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX.XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX i opened an account with pnc bank. PNC initiated an ACH for XXXX to fund the account. The money was pulled from my bank account with XXXX but never ended up in my pnc account. I contacted PNC multiple times and they have not been able to give me an answer on where the money went. They said that they recieved the momey then transfered it back to my XXXX account via ach and gave me a trace number. They also told me on my next call that they never recieved the money. Its XX/XX/XXXX and they still have not been able to find out where the momey went.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XX/XX/2015 Amount was XXXX Person calling me to my wife 's phone number and stated they have been sending certified letters to an address I've not lived in 4 years. Also telling my wife that they will suspend my licence. Freeze my bank account and go after any assets. I'm willing to pay but can not pay the full amount at this time. They lady said they would settle for XXXX and now they want more to stop from sueing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
II am having problems with my new bank on his open up my problem is a my nephew owe me some money and he when I get paid he wrote me a check I went down to my bank that I king going to the XXXX and cashett the lady at the register told me that a has to take 7 days I had a would some day to get money back and she kept on persecuting of giving me her the check I said no when I was leaving I'm outside the bank in dress XXXX deposit in through the ATM treatments later I thought I can get money says I directly deposit {$20.00} out it did not give me no money it said An eligible account so sense I didn't get my check to lady inside the branch she flag me she shut my countdown I not know my account was flagged at all I got a loan that got dreads it to my count for me and a my went into my bank to go get out has since I am can get no money I'm doing with the money out and shut down the bank they said they flagged my account for supposedly I activity stop is fraud and does no father I is my money out and set my account they're not doing anything about it and they said they don't banker call the fried apartment they said it was because in my nephews check ID but ID posit and to the ATM I told my nephew XXXX to basely stop check stop payment so he stop payment so a got That's the bank and basically got rejected so I have available balance and they will not give me my money I behadden grounds from the get go from these eyes in the bank is called UMPQUA bank Located in XXXX Washington I try to get money out my dollars I get my up to get my money back so I can shut my back my bank account down I do have deposit coming from security and I would like to have that and since they're not doing anything um I need some help I'm not sure honey people that done this too but it's not right Am I name is XXXX XXXX Count number is XXXX XXXX My social XXXXPhone number is XXXX to XXXX cast my nephews check 3 days ago it was for XXXX that's when Glad me way before that sense I have a overdraft And Took out some money and after that they flagged me and I do not tell me at all and I show the XXXX XXXX balance XXXX XXXX  of dollars my game right now And top it off they shut up my online banking so I can't see what's Going on with my account So with them shutting down my online banking account I can't give you guys any kind of copies of anything

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 2018-06-14 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: TX

Complaint narrative:
On XX/XX/2018 someone made a purchase at XXXX using my account information, some how they got my pin number. I've had the same pin number for years and have never wrote it down. When I first made the claim the person i made the claim with said some must have gotten my card information from a scammer and generated a pin number. The person also made a balance inquiry at a non Chase atm using a pin number. When I inquired about why they denied the claim Chase said it was because a pin was used. I contacted XXXX and they said the person tried to use another card first but it was declined, then they used my account information and pin and the transaction went through. When I explained this to chase they said that this didn't matter. I've never been to the XXXX where my account information was used or the atm where the balance inquires were made. So both Chase and XXXX claim there's nothing they can do. Neither is willing to investigate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14 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: TX

Complaint narrative:
In my previous complaint i advised Experian of the Identity theft that has occurred and advised them of this information, as well as provided a FTC Law Enforcement Affidavit that was sent to the XXXX PD as well. When my wallet was stolen over two years ago my information was used and there were accounts opened fraudulently in my name. Not only were these Banks notified, Experian also stated they blocked the incorrect information from reporting. I still show the Credit Card from XXXX  XXXX XXXX displaying on my Experian report. This is a fraudulent account, i never opened this account nor did i receive any benefit from this account nor did i ever receive a card from them. Additionally Experian advised me in my previous response that they have complied and have followed the FCRA Requirements per my Identity theft documentation and proof to block these accounts. They did block one of the XXXX XXXX XXXX Cards, however they did not block both. Like i stated, additionally there is an inquiry from XXXX XXXX XXXX from XX/XX/XXXX, that i did not authorize nor apply for any credit with that i wish to be blocked. Additionally there is an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX which i did not authorize nor apply for and they stated they didn't pull credit since my report was frozen. Please block these accounts and update me once its been blocked with a new copy of my report as well as the inquiries.

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 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Real Time Group, Inc.
State: MO

Complaint narrative:
In XXXX, XXXX, the State of XXXX Department Of Revenue wrote to  XXXX requesting the title of the vehicle in question ( see attached ) be sent to XXXX Department Of Revenue so that the title could be perfected to a XXXX title from the original XXXX title. This is because I moved from XXXX to XXXX ( XXXX XXXX metro ). 

XXXX did not comply and in XXXX of XXXX transferred my account to Real Time Resolutions ( XXXX XXXX XXXX I ). 

Real Time Resolutions refuses to comply with the State Of XXXX  request as well as my many requests for them to forward the actual title to the State of XXXX. I am attempting to have this done so that I can obtain a XXXX registration. I have been unable to register my vehicle since XXXX, XXXX. 

I am requesting your assistance in notifying Real Time Resolutions ( XXXX XXXX XXXX I ) to comply with the XXXX  and my request to forward the title to XXXX Department of Revenue and once it is perfected, the document will be returned to RTR. 

Thank-you for your assistance. Please feel free to contact me at any time regarding this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I have been paying my loan off on time for the last 4 years with Lendmark Financial. My balance was {$170.00}. I processed my last payment online today and scheduled it for tomorrow. Due to issues I have heard about pay off practices with this lender, I decided to give them a call and confirm that all my obligations will be satisfied. I was then told that i will till owe money and that the amount listed is not what I actually own. 
I tried to speak with the manager and express concerns about irregular practice in which the information online and over the phone are not correct, and I was told that it is all in my loan docs! 
I have heard that a lot of other customers had the same issue with this lender and this is why I decided to submit my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: CA

Complaint narrative:
In my Equifax credit report there is one fraudulent account reported by XXXX. I filed a police report and submitted it to all three credit reporting agencies and two of them XXXX and Equifax   immediately block the fraudulent account from my credit report. Equifax refuses block the fraudulent account from my credit report and keeps stating that they have different policy. I have been speaking with Equifax customer representatives months now from fraud department, from regular department which is located by the way outside THE UNITED STATES in XXXX, XXXX. ( My personal information was exported to foreign country without my knowledge or permission ). 
Please, help me to resolve this issue. I am a victim of a fraud and the account that I was disputing with Equifax is a result of fraud and Equifax denies to block that fraudulent account from my credit report in order to show the true worthiness of my credit file.As a result of that I was recently denied for credit and for a job. In last 6 months I was contacting with Equifax representatives twice a month and they always were asking me to send Identity Theft Police Report, FTC Victim Fraud Affidavit form, my state ID card, my Social Security card and after providing all of this informations I lost my hope today that Equifax is going to block the only fraudulent account from my credit report. 
Please help me. I do not have anywhere else to go or to complain. Why the other two credit reporting agencies XXXX, XXXX XXXX have verified with creditor XXXX that it is a fraudulent account and deleted that account from my credit file but Equifax still playing a game with me. There is suppose to be one federal law for all credit reporting agencies regarding how to handle cases with fraud on behalf of consumers. Why Equifax is different in processing this kind a disputes. Please help me to get this fraudulent account removed from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX stated they blocked and or removed the fraudulent accounts from my XXXX XXXX XXXX  Reports however they did not. There are several inquiries listed on my XXXX XXXX XXXX  Report. One of Which is from XXXX XXXX and shows that an account was opened on XX/XX/2017. I have not ever opened any accounts with XXXX XXXX at all. These accounts if they were attempted to be open or opened are fraudulent. I did not apply for any accounts or services from this bank. Additionally there is an account on there from XXXX XXXX which i did not apply for nor have i received anything from this bank and this account is Fraudulent as well. 

Additionally i have not attempted to open a bank account in almost 4 years. There are inquiries listed on my EWS report from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I did not authorize any of these inquiries i haven't attempted to open a bank account either i want all inquiries listed on my report blocked. I have reported this to XXXX Police Department. Additionally you have addresses on there that are fraudulent as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
After Hurricane Irma hit Florida, my mortgage servicer Home Point Financial offered me a three month deferment on my loan to allow me to ensure sufficient finances were available for any home repairs that were needed. This period covered my XXXX - XXXX payments. In XXXX, I was contacted with an offer to roll up the three payments in deferment into a loan modification which I accepted. The terms were I would make three trial payments covering the XXXX - XX/XX/2018 payment, then a loan modification would be put in place. I made each payment. In XXXX I was told I had been successful and the process began. In XXXX Home Point Financial accidentally reported me three months past due and while they fixed it, the resulting error led to several of my credit cards dropping my balance by a total of approximately {$8000.00}. In XXXX I was sent and returned the loan modification documents and this was accepted. Then in XXXX my loan was transferred from between two Home Point Financial related company 's and in the process, one of my previous payments from XXXX - XXXX was removed from my loan modification profile meaning as of XX/XX/XXXX, instead of being up to date on payments, I'm now showing a month behind. I spoke to a Loan Modification Officer at the beginning of XXXX who told me not to worry and it would be addressed. Furthermore, on XX/XX/XXXX, an unauthorized attempt to debt my account occurred leading to fees being assessed on my Home Point Financial Loan. I called into Home Point Financial on XX/XX/XXXX and was told I had authorized the debt for the payment which I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
On or about XX/XX/2015 XXXX XXXX reported a debt of XXXX $ that I've never used nor received or did I have a credit card with, on my credit report. Not do I have a letter or receipts or any such contract with. I only learned of this by reviewing my credit report recently. How may have this resolved without paying a debt I never accumulated?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
I AM XXXX XXXX XXXX AS EX HUSBAND LAST NAME IS XXXX as divorce on XX/XX/2012, ALSO HE STEAL MY SSN NUMBER AND ADDRESS SO HE IS REAL XXXX XXXX XXXXXXXX XXXX SSN IS XXXX XXXX XXXX AND HE STEAL MY SSN CHANGE BLAME ME I HAVE TO PAY FOR THOSE 2 THINGS OWE FOR XXXX XXXX XXXX AND CAR PAYMENT ( XXXX ( SP ) SO PLEASE CHECK UP AS INSPECTION HIS PHONE IS XXXX XXXX XXXX AND XXXX XXXX ( EFFECTIVE COMMUCIATION ON VP WITH INTERPTER .. TKS HE REFUSE PAYMENT THOSE HIS PAYMENT OF TWO THINGS AS WE ALREADY DIVORCE PERIOD HIS ADDRESS IS XXXX XXXX XXXX, XXXX XXXX NC XXXX U HAVE ALRIGHT TO ARREST XXXX XXXX XXXX NOW .. HE NEVER LISTEN AND INGORE THEM SOMEONE TRY TO CONTACT AND INGORE THEM AS OWE PAYMENT LET U KNOW THANK U PLEASE LET ME KNOW MY NAME XXXX XXXX XXXX XXXX XXXX XXXX IF PROBLEM CALL ME QUICKLY I WILL GET LAWYER ABOUT IT ... 
MY ALREADY PAYMENT FOR XXXX CONSUMER PAYMENT PAY OFF THOSE AND ANOTHER XXXX XXXX XXXX HIS NAME ON TOP THAT ALL HE BORROW MONEY AND GET CAR THAT WHY HIS RESPONSIBLE THAT ALL AS VOWS PERIOD .. 
PLEASE HELP ME AS SOLVE DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax credit information services. Inc. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. Equifax added the amount and reaged without informing consumers. This is against best practices. Letter was sent to Equifax to remove account as it was recorded inaccurately account was then removed by Equifax. Then opened and added on!. Several letters has been sent to Equifax with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I have an alleged debt from XXXX XXXX property management that went into collections. The collection agency is XXXX XXXX XXXX. I called in XXXX asking for written verification to be sent to me, they told me they do not send out letters due to being an eco-friendly company. I wrote a letter asking for verification in XXXX and there was no response. I disputed the debt with XXXX and XXXX in XX/XX/XXXX ; they did not verify the debt with XXXX so it was removed from my credit report from that bureau. However, they did verify the debt with XXXX. I called them in XX/XX/XXXX to request information to be sent to me, but I was sworn and yelled at by a supervisor and called names, before he hung up on me. I called again and someone took a message, I have not received a call back. I had an attorney send them a letter in XX/XX/XXXX also, they still have not responded to him or me. I have also called and left messages for the original creditor. XXXX XXXX, asking if I could settle the debt with them without any response back to me. XXXX XXXX XXXX is adding interest to this debt every 7 days, but won't allow me to pay anything, because I can not get in touch with anyone! I have no way of verifying this debt nor do I have anyway to pay this debts off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation