vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was issued a US Bank ReliaCard for PUA Unemployment in Pennsylvania. 

I had issue getting a credit for a merchant for merchandise I did not receive so I disputed the charge with ReliaCard. I provided ReliaCard all of my email communication with the merchant and was issued a temporary credit AND my account was frozen for fraud.

I subsequently provided ReliaCard with information about my identity on 3 occasions : XX/XX/XXXX uploaded my social security card and bank statement ; XX/XX/XXXX faxed my passport, social security card, and W2 after being told the upload was insufficient ; XX/XX/XXXX uploaded my driver 's license after receiving an automated call requesting that I do so. 

I called ReliaCard on XX/XX/XXXX and was told that there was a XX/XX/XXXX note on the account stating that the documents had been received ; however there was no note authorizing the activation of my account. The card specialist " transferred '' me to the fraud department and the call was disconnected. I followed up with an email. 

I received a text message on XXXX stating that my account was validated and ready for use. However, the online account remains restricted ( I can not transfer funds ) and I was unable to withdraw money from the ATM. 

I called ReliaCard on XXXX and was told that all of the documents had been received but the account was not updated properly. The specialist " transferred '' me to the research department and the call was disconnected. I followed up with an email. 

I have been unable to access my unemployment benefits since XXXX and seem to have no recourse. US Bank is improperly holding my funds under false pretenses.

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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
During a loan application to refinance with Mr. Cooper ( https : //www.mrcooper.com/ ) I was asked to sign a large number of documents online. One of the documents was the California Privacy notice which informed me that Mr Cooper would sell my data to third parties unless I chose to opt out. The electronic forms had no way for me to opt out so I called the customer service ( XXXX ) and spoke to XXXX. After 90 minutes on the phone they said there was no way they could help me and referred me back to the loan officer The loan officer advised that the only way around this was to print the forms ( XXXX of them and sign by hand Mr Cooper are making it deliberately difficult for customers to protect their privacy Other details Loan Officer : XXXX XXXX XXXX XXXX NMLS # XXXX Privacy notice attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I wrote the company a validation letter not verification. I never received a response so i called they sent it out XX/XX/XXXX. I told the lady I never received it she said ok they would email it. I called a couple weeks later and told her I never received the email. She then stated she will do it again. Weeks passed again still no email so I called again the lady said they can't email it she mailed it XX/XX/XXXX. I told her I still have received it. I told her that what she is doing is against the law and that I was filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
On XX/XX/2020 I made an online transfer ( XXXX dls ) reference no. XXXX in XXXX by Money Gram to a XXXX XXXX  account in XXXX XXXX and the money did not appear in the intended account. 
I contacted Money Gram to be able to make the cancellation since the money was never received and they told me that they cant return it that they have to investigate first, but in the rights there it clearly says that if the money was not received, the cancellation can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOAN TO LEARN
State: NJ

Complaint narrative:
In around XXXX I came to find out that my father took out a loan with EduCap in the amount of {$12000.00} and used my information to obtain it. I used federal financial aid to fund my education and never used a private loan so I was surprised to learn this information. I filed a police report and my father who has now passed wrote a letter explaining the situation to the lender. I never received and do not recall receiving any information regarding this loan since about XXXX. Recently, I received a letter that my wages will be garnished. I have asked for and never received fraud and identity theft paperwork or a hardship request and reached no solution. This company and their collectors have been harassing me for over 8 years. I tried to reach a solution but was told to contact a lawyer and that the company decided I am responsible after several attempts following their rules to show I did not take out this loan. This is continued harassment and has to be illegal to never summon me to court and only send notices that I have to pay or they will take my hard earned money. I want the matter resolved and filed as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
A XXXX XXXX XXXX vehicle I financed with Santander USA was wrongfully towed by the XXXX county police impound during the COVID-19 lockdown on XX/XX/XXXX, due to expired tags. And Santander USA failed to regain possession of the vehicle from the impound before the Police Auction date of XX/XX/XXXX that was provided to them weeks in advance. The vehicle was auction off at {$15000.00} way less than the {$20000.00} market value, which leaves me liable for a large portion of the remaining loan balance because they failed to pick up the vehicle in due time even though they were advised to. And now Im left to pay for a vehicle I no longer have possession of because they fail to regain possession of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: National Credit Adjusters, LLC
State: OK

Complaint narrative:
XXXX XXXXXXXX  or NCA or XXXX XXXX is reporting 1 debt 3 times. The same debt and same amounts reported 3 times.

I've asked company to correct and they've IGNORED my requests.

I've contacted all 3 credit bureaus and disputed these items MULTIPLE times and all 3 bureaus REFUSE to remove or even VERIFY the information is correct.

THIS IS PLAIN AND SIMPLE CONSUMER ABUSE. PUNISHMENT BY THIS COMPANY BLATANTLY REPORTING THE DEBT MULTIPLE TIMES. NOT ONLY IS INFO INCORRECT, BUT OPEN DATES ARE INCORRECT. AMOUNTS ARE INCORRECT AND TGE REFUSAL TO CORRECT IS ABUSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-07 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: ME

Complaint narrative:
XXXX ( formally account with XXXX XXXX ) is claiming that I did not return a modem from 5 years ago. This is an error in their system -- they believe the error was caused because I moved their modem to a new address and terminated and returned the modem from the second address. However, they will not remove the item from my credit report.

In the past five years, they never contracted me to inquire about the modem. They added a charge of {$59.00} to my credit report five years later.

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 2020-10-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent an reinvestigation requests regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing of accounts being late and wrong information on my profile by way of certified mail. To date, my file as been placed in archive and am ignored by XXXX. I must assume that it is flagged as " suspicious ''. I am now updating here for help to update all these accounts " paid as agreed '' since they failed to send me the proof of how they were verified and also to remove the invalid employers from my files. Equifax just willfully violated my rights. I will escalate to small claims as a case if they keep fooling around. I had to call to fix my wrong names but they did not even acknowledge my certified letter.

BASED ON THE FCRA GUIDELINES, copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

EMPLOYER IS WRONGLY SHOWING- PLEASE DELETE  XXXX XXXX XXXX - - never received mail - provide proof of documents never being late -- wrong opened date and wrong limit XXXX XXXX never received mail - provide proof of documents never being late- - wrong opened date and wrong limit XXXX/XXXX  XXXX  XXXX - send proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX/XXXX  XXXX  XXXXend proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX XXXX XXXX, XXXX- Please delete this inquiry as I never worked or never had any business with them -  non authorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Asked for items that was purchased to send me a copy plus they said payments were made requested copy of how payments were made because Ive been with the bank for over 30 years no replies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
I am filing a complaint against Santander, but I believe they have failed to comply with my SCRA rights. On XX/XX/XXXX, I received orders that called me onto full time XXXX XXXX duty. I reached out to Santander on XX/XX/XXXX by email and asked that they apply the SCRA benefits to my account ( lower my interest to 6 % or less and retroactively adjust my account ). I included my military orders along with this email. Since  XXXX, I have been called on to XXXX XXXX sereval times. I have included all of the orders as an attachment. I emailed again on XX/XX/XXXX to follow-up on my request, but I still have not received a response. When I log into my online account, I am unable to see my current interest rate. I reviewed my account transactions I do not see any adjustment to my account. I would like Santander to immediately apply these corrections. In the future, I would also appreciate much more responsive communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
I applied for a personal loan on XX/XX/2020. I was approved and Upgrade Inc. wanted additional information to finalize the loan, When I saw the apr, I deleted the email and never finalized the loan. I later got an email a few days after that stated my loan will be deposited into my bank. I notified Upgrade Inc. instantly via phone call and email to cancel the loan and asked who completed the  finalization paperwork since I didn't do it. They apologized and said the loan would be cancelled. The loan was retracted from my bank on XX/XX/XXXX. XX/XX/XXXX, Upgrade tried to retract the loan again, after it'd gone through. XX/XX/XXXX, the XXXX retraction was declined by my bank. I've sent at least XXXX emails between then and now, called at least 8 times and have been assured they will cancel my loan. I have many emails to back up what I'm saying as Upgrade Inc. did apologize after they personally spoke to a rep from my bank. Upgrade has sent my account to collections which is negatively impacted my credit score dropping it by 21 points. I expect Upgrade Inc. to fix this problem ASAP.  Otherwise, I'll pursue legal council. 

XXXX  Link : https : /XXXX XXXX XXXX   XXXX & XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I received a letter from IC Systems in XX/XX/XXXX. The letter is dated XX/XX/XXXX. The letter stated that I owed {$59.00} with an account number to XXXX. I was a current customer with XXXX  at the time. I called the agency and they stated they received the account 5 days ago and that is was from equipment from XXXX. I told them that there was a mistake that all equipment from me moving was returned. I then called XXXX and asked them why they did not reach out to me regarding a balance when I am still a customer, I receive a bill to my current address, and transferred services when I moved. XXXX  advised me that they mailed a bill to my old address by mistake. I informed them that I returned the equipment. A representative stated that she would research it and give me a call. I never received a call and called to follow up on the research. I received a notification that the collection agency reported the {$59.00} on my credit on XX/XX/XXXX. I disputed this with XXXX. XXXX  never or the collection agency called me back to validate the debt or provide me an option after I disputed the debt to make a payment to avoid any reporting to my credit. XXXX  clearly admitted to making a mistake. If I am still a customer and had an up to date account why wouldn't they mail it to my address that I provided and still used? Why did they wait over 2 years to report to collections and why did no one ever return my phone calls to state they are still collecting. This was extremely unfair to the consumer that is blind sided by a debt not owed.

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 2020-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
Specialized Loan Servicing took over my loan from XXXX XXXX XXXX in XX/XX/XXXX. I made my XX/XX/XXXX monthly loan payment to XXXX XXXX XXXX before I was aware of the transfer and began paying Specialized Loan Servicing in XX/XX/XXXX and have paid them every month on time from XX/XX/XXXX through XX/XX/XXXX. 
My first payment to SLS in XX/XX/XXXX was apparently applied to XX/XX/XXXX and they have considered me behind on my mortgage ever since. I received a delinquent notice from them in XX/XX/XXXX as a result and learned that my credit had been negatively impacted and called in to dispute that on XX/XX/XXXX. During that call I provided proof of my payment to XXXX  XXXX XXXX in XX/XX/XXXX. I was led to believe that the issue would be corrected. Over the past two months I have spoken with nearly a dozen of their customer service and consumer escalations reps during 10 calls and have provided them once again with proof of my payment to XXXX  XXXX XXXX in XX/XX/XXXX and proof of my payments to SLS from XX/XX/XXXX through XX/XX/XXXX. Nearly all of their reps clearly understood the mistake and claimed to submit cash correction tickets and credit department correction cases on my behalf. On XX/XX/XXXX, I was told that because the payment correction is more than 90 days old it can not be corrected. Because of their mistake and misapplication of my payment, I have had late fees assessed and had multiple delinquent payment occurrences added to my credit report that they are claiming to be unable and unwilling to correct. The amount that they claim is past due amounts to only {$300.00} or so yet they are severely impacting my credit. This is the worst company I have ever interacted with and there is no way that they should be permitted to service loans. Their support staff is friendly, but none of them are able to actually do anything, talk with anyone that can do anything or connect me to anyone that can do anything and it takes an inordinate amount of time just to speak with someone. Please help make them accountable for their mistake.

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 2020-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax credit bureau will not assist me with an account balance verification ... the company name is XXXX XXXX XXXX, this company is price gauging due to the covid 19 pandemic, this company double the balance on a vech that was sold or auctioned, the balance should be {$5200.00} and they have doubled it to {$10000.00} in 1 month as of XX/XX/2020 ... .I have disputed this acct with no help from Equifax credit bureau XXXX I requested proof of the balance and they will not provide ... please help I am a victim thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I apply for credit to buy-new tv on line whit XXXX electronics on XX/XX/XXXX. I received my tv after abat a week at my address the company that finance my tv was TD bank I call to set up a automatically payment from my bank account and for some reason they put wrong bank account information. After 2 months that I dont see any transaction for that account I set up payments whit my bank to have my bank send the payment to TD bank but by then TD bank was generated late fees because the wrong information.after that I decided to close my account and pay off my balance, but I still have a problem whit them and I still receiving letters about the account that they have on file. I call this number XXXX XXXX and they put me on hold for hours total balace was {$670.00} my bank send 4 payments of {$40.00} and 1 of {$520.00} total {$680.00} and I still receiving bills to my address for unpaid balance. Thanks very much in advance for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: PDQ Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2016, PDQ Services, INC added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, PDQ Services , INC has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

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