vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: VW Credit
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX my wife and I purchased a new Volkswagen XXXX  XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time of the purchase my wife an I purchased the GAP insurance product for {$790.00} which was added to the total amount financed for the car. 
Today, XXXX XX/XX/XXXX, I went in to the dealership to request a pro-rated refund on the GAP policy as my wife an I no longer need the protection. I spoke with one of the finance managers who attempted to look the policy up on the insurance company 's ( XXXX XXXX XXXX XXXX ) website but could not locate the policy using the policy number on our GAP policy paperwork. The finance guy then called XXXX and spoke to a rep with the phone on speaker-phone. When asked why the policy wasn't coming up on the website the rep stated, " The paperwork for that policy was never submitted. '' The fincance guy then ended the call and I told him that didn't make sense as I had the policy paperwork in my hand and my purchase contract ( at home ) had the GAP policy on it. The finance guy then printed out a copy of the purchase contract from their archive system. The document he printed did not have the GAP insurance on it. He stated that my wife an I must have declined the coverage but did not have an answer when I asked him why I would have the GAP policy document signed by us and the dealer rep if we had declined the policy. 
I left and went home and looked at my paperwork. The GAP policy is listed on our purchase contract, which by the way is the real and legitimate paperwork. 
What has, obviously, happened is that someone at the dealership created a fake sales contract which omitted the GAP insurance and filed that contract in their system, never submitted the paperwork to XXXX to initiate the policy, and pocketed the {$790.00} premium we paid for the GAP policy. 
This is larceny and insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My mortgage servicer has not been applying my payments to my principal. My mortgage principal amount has barely moved in ten years despite me paying extra every month to my mortgage company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
I applied for a home equity loan and when the bank checked on the property title they found that there was a lean on the property placed in 2019 from Eagle Account Group in XXXX. So I called Eagle Account Group and talked to XXXX told her who I was and gave her the complaint number. She then asked me my birth date and if my middle initial was C, I told her the date and no it was W. then she asked if I live on XXXX  XXXX XXXX. or ever had, I told her no and that I have lived at my current address for over 30 yrs. she tells me that my middle initial doesn't match the address that they have in there file. Could not get any more information from her, she just kept saying I would have to have the bank contact her to verify who I am. I have never received any notice from them about any past due bills or anything ( probably because I'm not the right person ) I don't see how they can just pick a person with the same first and last name and put a lean on they're property. Shouldn't they make sure who they're filing on by checking birth dates and social security numbers or even contacting the person that they pick at random. Now I have bad credit report and a lean on my property for no reason other than the fact that I have the same first and last name!

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 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc.
State: OH

Complaint narrative:
Companies involved : Merchants and Professional Collection Bureau ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and XXXX, XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX ) I received a debt collection notice from Merchants and Professional Collection Bureau , Inc. that said I owed money to XXXX, XXXX. I never purchased goods or services from XXXX XXXX and was never contacted by this party with regard to any outstanding balances on purchases I did not make. My credit card information had been stolen some time ago and used by XXXX XXXX XXXX My credit card issuer was able to quickly verify that the those charges were fraudulent, so any attempt to collect on fraudulent charges. I believe this is another attempt by XXXX XXXX to commit fraud and/or allow a third party to fraudulently obtain financial information from me. 

Also, the communication appears to contain a " threat '' to report a debt that does not exist to the three credit reporting bureaus even though the amount in question is below a dollar threshold that would actually be relevant to those bureaus. In other words, the letter is cleverly structured to convince me to pay an amount that is trivial to avoid a scenario that won't actually impact me because the amount is trivial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LAGO Funding Corp.
State: GA

Complaint narrative:
They garnished my wages starting in spring XXXX. I spoke to them and told them this was discharged in a bankruptcy. They stated they didnt care about that but they did negotiate to a lower amount. This continued to the end of XXXX. 

When I moved out of state and they began garnishment again in XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX/XXXX XXXX XXXX XXXX {$1400.00} XXXX - CARD SERVICE XXXX {$4100.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX/XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX {$580.00}

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 2021-03-26 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: LA

Complaint narrative:
I HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX/XXXX XXXX XXXX XXXX {$1400.00} XXXX - CARD SERVICE XXXX {$4100.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX/XXXX XXXX  XXXX XXXX {$5500.00} XXXX XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I received notification through XXXX from Caine & Wiener which dropped my credit score 74 points for a balance of {$200.00}. I have been a victim of identity theft. The account was open on XX/XX/21. I have never received any information regarding the account until I called them on XX/XX/21. Speaking to the manager XXXX she didnt do anything to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
please remove these unauthorized inquirys from my credit report, i have no knowledge of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/20, I inadvertently sent {$600.00} to XXXX XXXX via Cash App. Immediately upon realizing what happened, I contacted Cash App to inform them of this error and to request a refund. I was told by the representative on XX/XX/20 that Cash App is unable to cancel or refund payments once sent to the recipient, but was informed I could request my funds back by submitting a refund request. Upon performing this action, XXXX XXXX denied my refund request ( document attached ). 

As a company, Cash App should have safeguards in place for those who make errors using its system. In addition, I was told " goods and services '' were received in full. However, this is also incorrect - no proof was sent by Cash App to support this erroneous claim ( document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
We sold a home and were advised by the buyers attorney that the wire transfer was sent to our Discover Bank Account on XX/XX/XXXX at XXXX XXXX EST ( XXXX XXXX Mountain time were the wire department of DIscover/ customer service is located ). On Thursday, XX/XX/XXXX at XXXX XXXX EST we called Discover to verify receipt. We were told that the wire transfer department was closed ( it would have been XXXX XXXX MT. We called the next day, XX/XX/XXXX at XXXX XXXX  as advised, they see the transfer and the deposit should appear in our account by XXXX EST. When we did not see the deposit, we immediately called and were assured it would show at XXXX XXXX. Each time, we were advised that the wire transfer was in process and we should see the money in our account soon. Our final phone call to Discover started at XXXX XXXX EST and continued until after XXXX XXXX as we spoke to one representative and her supervisor. During this conversation we were told that all the information provided to us all day was " inaccurate, and the Discover representatives misspoke, and should not have said the money was processed. If we were told this at XXXX XXXX, XXXX XXXX or XXXX XXXX, we would have immediately notified the attorney. It is now XXXX XXXX on Friday night, we were told the wire transfer was returned due to inaccurate information. When we reviewed all the information that we provided regarding the wire transfer / Discover information, it was correct, so we don't understand where the error was, nor could Discover provide this information to us. Because the money was returned, we notified our closing agent, who advised us to tell the new owners to vacate the premises as the funds did not go through. The new owner is an XXXX year old woman and her daughter. it is concerning that Discover will immediately notify us if we travel, alerting to " unusual activity '' for a {$20.00} purchase at a gas pump, but no one thought to call us about returning a check/ wire transfer for {$230000.00} because of a typo?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Wells Fargo is not a company that anyone should use for a home mortgage. I began the process in XX/XX/2020. They kept. asking for more and more information ; each time not giving any indication as to why. Of course, they got their initial fees right upfront. 

As the day of our closing neared, now FOUR months later, and they cancelled the loan due to a supposed problem with the new condos ' HOA insurance. The condo sales staff already closed 14 deals prior to ours. XXXX was the ONLY company that denied the insurance. Mind you, the agent called at XXXX on the Friday before our closing - very unprofessional. 

I can not get back the countless hours I spent getting the excessive information and the stress this company caused is unforgivable. 

If you have another choice, go with a company that cares about its clients and does not leave them in the lurch with no explanation and no apology. 

Since they wasted so much of time, rates increased and now I will owe {$44000.00} in extra interest over the life of the loan.

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 2021-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VT

Complaint narrative:
In XXXX I began working at a XXXX XXXX agency. I promptly contacted XXXX XXXX ( my loan servicer for my FFEL loans ) to make sure that my repayment plan would allow me to participate in the PSLF program. I was assured over the phone that all I needed to do was continue making payments as I had been, and that there was nothing else I needed to do at that time. I discovered in XXXX that my loan servicer did not participate in the PSLF program, so I lost 3 years worth of time and payments towards loan forgiveness. 
I have already tried this once, to no avail. I am trying again because I just read another report about how many borrowers have been similarly misled by their loan servicer, as I was. I can not understand why there is not more that can be done to make this right. Sending my complaint to the servicer at fault seems ludicrous since all they do is say the obvious, which is that my loans were not eligible for PSLF based on the fact that they were held by XXXX XXXX. I already know that. The issue is that I was told they would be eligible by an employee of that servicer. 
Please let me know there is another course of action. It is just wrong that they gave me wrong information, but there is no consequence to them, however I am stuck paying for an extra 3 years. 
I believe everyone who was making payments in good faith should get credit for those months towards the 120 needed for PSLF, even if they had the wrong servicer. It is obvious that many, including me, were deliberately given wrong information so the servicer would retain more loans in its portfolio. The CFPB was created to help people like us get fair treatment from these kinds of predatory practices. Please, please, please do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I learned on XXXX XXXX that I would not be receiving a tax refund because of a debt I owed to AAFES. I have never opened any kind of credit at any military store. However, back in XXXX, my spouse attained credit and had one in my name, which he got without my knowledge or approval. It seems to be a very easy process for soldiers to get this credit with little background or steps to protect the person who name is on the card. I find this very unfair. No one should be able to get a card or credit without a signature or some kind of identification. Im not sure when he got this credit, but the collection people said that it was sent to them in XXXX. This is the second time they have given him a card in my name. He has charged over XXXX dollars on this particular card. I am tired of him getting away with identity theft. We are seperated and he is using my info. which of course he knowes by heart after being married for 30 years. But for these malice actions, our marriage is about to come to an end, but in the mean time, im trying to put an end to him trying to destroy my credit. I refuse to pay this debt. Im sorry, but its not fair to me. This account was opened without my knowledge, and should be closed immediately. I will never open a line of credit with AAfes or any other Exchange.

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 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under XXXX section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Summit Financial Corp.
State: GA

Complaint narrative:
They garnished my wages starting in spring XXXX. I spoke to them and told them this was discharged in a bankruptcy. They stated they didnt care about that but they did negotiate to a lower amount. This continued to the end of XXXX. 

When I moved out of state and they began garnishment again in XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: IA

Complaint narrative:
On XX/XX/21 I received a Netspend All-Access prepaid debit card in the mail. The debit card account is in my name, and I have no knowledge or intention of requesting this account. Im not sure how they received my personal information, but I think what they are doing is wrong. 

I didnt ask for this card. I dont want this card. I assumed that my identity had been stolen and someone fraudulently opened an account in my name before I did research into why I received this card. I dont think its a very honest advertising tactic to send someone an unsolicited debit card in their name through the mail.

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 2021-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My wife and I have a first mortgage on a condo and have been in forebarance due to COVID. Instead of foreclosing, we have found a buyer for our condo and are supposed to close on XX/XX/21. Our closing attorney office has found that PNC has incorrectly filed the Deed paperwork for the second mortgage LOC that we paid off a couple of years ago, before the pandemic. Due to the incorrect Deed paperwork, we are unable to close and have spent multiple days trying to work with PNC to get the Deed paperwork filed correctly. PNC failed to identify the Tax Parcel ID, which was left blank, along with other errors. We expressed the severity of needing the corrections made so we can close on the condo property but PNC has not been responsive to our requests to correct the matter. This error has not only caused undo stress, but will also result in monetary penalties on my part due to their lack of accuracy and responsiveness. Our closing will have to be delayed and PNC representatives who have assured us the issue will be resolved have not responded as promised.

Company response to consumer: Closed with explanation