vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XXXX XXXX I was contacted as well as my relatives about an open proceedings case in the county of their address. The proceeding were going to be filed against me for account # XXXX and I had to pay my debt for Ace cash express for the amount of XXXX for a past due pay day loan. If I didnt do this the lawyers of this firm would follow through with the proceedings with Ace cash express and this was also being recorded as an attempted collection and notification of this process, and this was all recorded for their case against me. I was contacted by XXXX XXXX by the company XXXX on behalf to notify me of these legal actions being taken against me on behalf of Ace Cash Express. She stated the date of the loan taken out the and the amount of the original loan of {$500.00}. I attempted to make payments and she requested proof of income to provide. I explained I was unemployed due to the Covid-19 pandemic so they denied this request. To confirm this collection, I attempted to call Ace cash express On XX/XX/2020 directly to clarify this confusion they transferred me to their debt collections and confirmed they had sold it third party via DNP. I called the number back of the XXXX debt collectors whom notified me previously they had acquired the debt as well and settled for {$800.00} via my aquatintences credit. My friend and I and settled this debt together on a recorded line where he asked multiple questions, just as I did, and was told the same things. We requested and on a recorded line via phone number XXXX XXXX XXXX XXXX extension XXXX, a notified letter of proof of close of debt collection and closure of said proceedings as well as be emailed to both parties of confirmation. She confirmed that would be sent out and a email would be sent out following the ending of the call to both parties involved. She also confirmed my email address, she confirmed my address, and confirmed everything on file left with Ace cash express agency. I have not received any notification of closure, or payment in full, I have not been contacted by Ace cash express or the company acting on behalf of them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
XX/XX/2020, I was scammed {$200.00} by someone through cash app. I reported it and requested refund. But nothing happened. I did not get refunded and the scammer still has cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The incidents occurred 2015 on two capital one credit cards I had. I got a call from a marketing company saying they could reduce my interest rate on the cards. I asked if they were capital one and answer was no. I said I could call capital one myself and request rate reduced. End of call. I pay my two bills and discover the marketing company has already paid monthly payment and now attempting to reimburse themselves from my checking account!!! I considered a major scam data breach going on. I call capital one and they deny any third party working for them. Then how did third party get my check account info? I got bounced around asking for superior super duper supervisor who admitted yes the third party was under contact and the rate reduce was capital one attempt to consolidate and close the cards. I was flabbergasted because they issued me 4 credit cards!!!!! I told them I dont play back room games and how dare they distribute my banking info. I told them recently get error late payments off the cards alll paid off and closed or I am coming to your agency to recite what ugly tactics capital one engages. Here I am and End of story other than YOU NEED TO BE APPRISED OF THIS BREACH BY CAPITAL ONE. 
Good riddance to them and let them fall with XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Cant log into app

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
GM Financial misapplied my personal property tax payments made in XXXX, XXXX and XXXX, XXXX, resulting in their sending monthly billing notices to me throughout XXXX for XXXX-due. Despite my repeated attempts ( over a year ) to get the misapplications corrected, GM Financial would not acknowledge that it was their error until I finally located a customer service manager in early XXXX, XXXX who agreed and I reached an agreement to make a " catch-up '' payment in XXXX, XXXX once the account structure was corrected, which I did on XX/XX/XXXX. Instead, GM Financial that same month reported me as " past-due '' to the credit bureaus, despite the agreement I had reached with the customer service manager. This result is the epitome of a " Catch-22 '' and I view this as an unwarranted and untrue punitive credit reporting action, and my attempts to get this reversed or corrected have been ignored to date by GM Financial - it is evident that they have the " power '' despite the gross inequity of the action. The payment history GM Financial submitted in response clearly defends my version of how they misapplied my payments but conveniently omits any reference to the ongoing dispute I was trying to rectify for over one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I went to trade in my car in XX/XX/2020 and instead the sales person XXXX XXXX, Manager XXXX XXXX and XXXXne other associate were involved in a high pressure sales which led me to believe I could have my damaged vehicle be taken by my insurance carrier which was not the case. Instead I am now struggling to make two car payments on a very limited income. I need assistance as I have already tried to get assistance through the dealership at XXXX XXXX in XXXX Va with no further assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I got transferred to 3 different departments on the phone, when I finally got to talk to someone I told them what happened and they said they would escalate the situation to someone in higher power and will be contacting me they never did. I keep receiving emails from ACE cash express saying that I owe XXXX dollars on XXXX XXXX. I began getting the emails on XX/XX/XXXX saying that I made an in store appearance and I havent left my house since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I have recently sold a home XXXX XXXX XXXX XXXX CT XXXX held in Rights off Survivorship with a signed mortgage and name on the deed with my husband XXXX XXXX. He passed on XX/XX/XXXX which made me sole property owner. I continued to keep the mortgage current and sold the property XX/XX/XXXX and discovered I was not the legal title owner. The house was held by a Trustee of a XXXX XXXX opened without my knowledge. I received a loan pay off from M & T bank to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/XXXX and then a 2nd pay off notice on XX/XX/XXXX to XXXX and XXXX XXXX. I repeatedly sent my warranty deed and mortgage documents to M & T telling them this property passed outside any estate and they violated the Truth in Lending Act by not disclosing this illegal change of title. They annually sent me letters to change my home owners insurance to The XXXX of XXXX XXXX which proves the had a Trustee deed. So I paid property insurance for legal owner XXXX XXXX for over 4 years and was not covered because a Trustee held title. The have titled my new home XXXX XXXX XXXX XXXX XXXX CT XXXX in this trust too. XXXX mortgage company included a blank Deed of Trust in all my fully executed closing documents and will not give me the completed deed. This is property theft and illegal. I fear my home owners insurance in invalid. I need an investigation and help to enforce truthful lending. They are telling me I purchased a house but conveying title to probate without be truthful. When I asked M & T to assume the loan note after my husband passed, they sent me a residential sales contract listing three parties and further confirming the property title was held by a Trustee.

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 2020-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: MO

Complaint narrative:
Multiple call have been coming from XXXX. They don't have my name but ask me to confirm my address on XXXX XXXX in XXXX, XXXX. I own two apartment buildings on that street.  They will not reveal any of my information, or the purpose or intent of the call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
Good morning, not sure if I am talking to the right person. I have been trying to get help and advice from several places and no one can give a answer. I purchased a home in XXXX of XXXX  through XXXX mortgage for XXXX which was on a foreclosure. The home was worth at least XXXX if not more at the time. Our loan has been sold so many times and each time the loan sold they added the PMI which I called and asked why I was paying a PMI and they stated that our home was not able to remove the PMI, so I let it go not knowing what was going on. We have recently refinanced our home through our local bank. Which we found out that we should of never paid PMI as our home is worth XXXX. Also our last lender required that our escrow account to have a surplus in the amount of XXXX I thought was odd. That being said our new lender stated that we should be getting the escrow amount back as it is law, they have to send us our money back as we are going into escrow at this time that we had enough equity in our home to take the escrow out. I have just recently received a statement from our previous lender stating our escrow balance was only XXXX at that time I had called the last lender and asked where the money of our escrow surplus had gone, they stated that I needed to pay off the PMI of the remainder of the loan, and that they had to pay my insurance company my premium, which was already paid. As on the phone with them i was going though my escrow payments with the person helping me look through. We found a few problems. My house insurance was paid 2 times in the wrong amount and that they stated they got the bill from my insurance company for that amount. Talked to the insurance company today and they stated they never sent them a bill for that amount nor where they got that number from. this company is taking my money and will not return it to me. I am at a loss and not sure where to go from here nor who to talk to. Can you please help???

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MI

Complaint narrative:
I am trying to regain employment & the background check that was provided is very inaccurate I just look myself up on the XXXX XXXX  XXXX  XXXX & it comes up 0 matches found, so this company that performed the background check is very inaccurate this is horrific & I am highly upset & inaccurate & I do not appreciate this false information, this will affect my employment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian by mail to let them know that the XXXX account is reporting incorrectly on the credit report they will not update my account correctly everything on the account is incorrect thats why Im sending you the information so you can investigate on my behalf

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 2020-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I filled an application for a XXXX XXXX refinance on XX/XX/2020 and the company has been going out of its way to push me into a regular VA loan by placing extraordinary delays, costs, and requirements on the low documentation loan. I have also been subjected to repeated delays whereas my information is regularly submitted for the wrong amount or wrong loan product. Lastly, the company is attempting to re run my credit report after already charging me for a credit report and providing a copy of that report from XX/XX/2020. The lender is stating that the wrong social security number was entered into the system and another credit report needs to be run when that is not correct. 

A XXXX XXXX  IRRL does not require a credit report whatsoever and the fees should be less due to the lower processing. This lender is doing whatever it can, attempting to charge premium fees and costs for less favorable rates while the market rates continue to decline to discourage my VA IRRL application. for example, a rate quote of 4 % with nearly {$7000.00} in closing costs is both higher than my current rate and not allowable whereas an IRRL requires a rate reduction of at least .5 % as well and costs that do not exceed 36 months recoupment period. I have been quoted less favorable rates and fees of {$6000.00} - {$11000.00} which are significantly above the allowed limits and current market competition with suggestions to steer me into a full VA loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I continuously keep on contacting Experian to fix and issue on my credit report due to identity theft and they refuse to fix the issue. I sent in the FTC report and also did a police report. 
XXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # XXXX

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am reporting equifax on their myequifax account services. This is a service to get credit reports and to freeze or unfreeze your credit report. I have had trouble accessing my account since XX/XX/XXXX and have called them numerous time using the number XXXX, which was the number that was shown on their website whenever I tried to login. I eventually escalating my situation on XX/XX/XXXX, however I called a few days after to get a status on it and they said it could take up to a year to get it fixed and there was no time limit on when it will be resolved. I have called numerous time and no one seems to be able to help me, they won't allow me to talk to a supervisor and at this point I am going to sue them if nothing is being resolved. This is very important to me and need this fix now. This is basically preventing me from freezing my credit report and unfreezing it. I have been reading online and I am not the only one dealing with this issue many people are and they are also getting frustrated to the point there might be a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIERRA PACIFIC MORTGAGE
State: TN

Complaint narrative:
Applied for a home loan through Sierra Pacific Mortgage Co. Inc. on XX/XX/20, for the amount of {$150000.00}. After being turned down by a reputable local lender, the real estate agent sent us to SPM. Their lender then " assured '' us we would be approved for the loan, rushed through an application, and then " guaranteed '' everything would work out. After 3 weeks of not hearing anything regarding the mortgage loan, 4 days before the scheduled closing date, the lender called to inform us that in order to " be approved '' we needed to pay off many existing debts as well as provide more down payment than was originally discussed. Of course we couldn't, so we were not approved. We were then denied the return of our earnest money because the lender was then unwilling to provide a document saying we were not approved. The lending officer lied on multiple occasions to us regarding the approval and process and details of the loan. He failed to clearly and accurately disclose the terms and conditions. Over the phone, he articulated his opinion that this was not a good deal to take, and after the realization we were not qualified for the loan based on the inability to meet their approval requirements, we did not get the loan or the home. The lending officer then promised he'd send a letter over stating we couldn't meet the terms and were not approved based on those terms, and then promptly did nothing of the sort. We weren't able to get approved for the financing, yet the company refused to provide official documentation stating that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
I did not open an account with XXXX. Furthermore, this loan was initiated in XXXX - XXXX and my credit report states that it was started in XXXX. This vehicle was resold and the amount that is stated as owed is also incorrect. 

DEVILLE ASSET MANAGEMENT Last reported XX/XX/XXXX {$13000.00} Open balance 14 XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Account status Open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Movement Mortgage LLC
State: SC

Complaint narrative:
I initiated a mortgage with Movement Mortgage. The loan officer took 3 hard hits on my credit over the first without giving me a heads up. This significantly impacted the credit score I worked so hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
Noticed a large decrease in my credit score and noticed a new collection from Midwest Recovery Systems trying to collect a debt for XXXX XXXX XXXX. Ive never had a payday loan & know this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian credit reporting has made several errors with previous disputes. For an example report number XXXX on my Experian account is a error that I never disputed, they closed an auto loan which still shows I owe XXXX and is an active account I never submitted a dispute for this I'm not sure why they Experian closed this account in error. The other inaccurate information was report number XXXX this also was an error on Experian this shows an account that was paid in full as closed when in fact it's still active. These errors have negatively impacted my score and need these errors rectified.

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 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I disputed a payment with paypal for a transaction. I received a product that was completely different than what I ordered. Paypal communicated to the seller and seller offered partial refund, which I refused since I have no use for the product sent. Paypal said they would continue to investigate, but nothing has occurred since then. Paypal continues to increment the resolution date of my dispute daily and continues to do nothing. Here are some date I officially opened dispute with Paypal on XX/XX/XXXX I was told I could expect resolution by XX/XX/XXXX Each day since XX/XX/XXXX, Paypal has been incrementing the resolution date and continuing to extend it. 
The facts of my dispute have not changed and Paypal is just procrastinating on getting this resolved.

Company response to consumer: Closed with monetary relief