vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I was served a civil claim for money from Midland Credit Management. You should be familiar as a simple word search for " Midland '' in your system returns over 1600 complaints. That is only in the debt collection category. Initially I went online to pay the debt but with the pending court case I decided to call instead to make sure that the case would be dropped if I paid the debt. I called Midland on XX/XX/2021 at XXXX. I was advised by XXXX XXXX that for a payment of {$850.00}, my debt would be settled-in-full, that I would receive a letter stating this and that Midland would file a motion to have the judgement dismissed. I paid the amount in good faith and Midland has not upheld its portion of the agreement. On XX/XX/2021, I checked the state website and saw that the case was still active and no motion had been filed. I called Midland and spoke with a gentleman named XXXX XXXX who told me Midland had no intentions on filing the motion prior to the court date or providing any documentation that the account has been settled in full. I advised him that this is what I was told and that is why I agreed to settle otherwise I would have gone to the court and made arrangements with the attorney. Mr. XXXX stated that the " only way '' to dismiss a case is to show up and do it in person. I advised this is not true. you can file a motion prior to a case and the he was again being deceptive. I made it very clear to XXXX that I did not want a judgement and wanted it dismissed. XXXX told me that for {$850.00} a motion would be filed as soon as the payment cleared. The payment has cleared and no motion has been filed. XXXX also advised me that the {$850.00} would settle in full yet, the website shows they are still after the remaining {$94.00}. The website does not make mention of my payment though. In fact it states there is no payment history. Of course there was a payment made. How else did my balance go from {$940.00} to {$94.00}? Lastly, XXXX stated that the company would update their website to show the balance has been steeled in full. I specifically asked this question because I was leery of giving away {$850.00} without any sort of reassurance that the company would follow through. It turns out my concerns were correct as Midland has not followed through with any of these items. This is a violation of both UDAAP and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Social Finance, Inc.
State: TX

Complaint narrative:
SoFi lending is reporting an account on my credit report that I do not owe. In 2017, SoFi sued me claiming I owed this debt, but I do not and the case was dismissed. Despite this, SoFi continues to unlawfully pursue collection of this debt.

I have repeatedly disputed this account with all three credit bureaus and I have written to SoFi directly to dispute the debt. However, SoFi continues to verify the debt with the credit bureaus and provide inaccurate account information.

I am requesting that SoFi immediately remove this account from my credit report with all three bureaus, including, but not limited to XXXX, XXXX, and XXXX. I am further requesting that SoFi discontinue all unlawful collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Wells Fargo implemented a new policy that prevents anyone from exchanging foreign currency at their branches without having an account with them. 

In the past it used to be possible to go into the branch and exchange currency for a fee with proof of I.D . This is no where indicated on their website and customer service has been unhelpful, this makes it impossible to exchange money in the entire State of Alaska since they are the only major institution in the state that can do any kind of foreign exchange. 

I wanted to exchange a XXXX Peso bill back to USD that was acquired on vacation. All WF branches refuse to help or even explain the reason why this policy is in place, there is no other means to get my money back unless I open an account with WF. 

This policy is not only misleading, it forces you to open a product with them that allows a monthly service fee to accrue.

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 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To put it plainly someone has stolen my home. 
Kicked me out of XXXX XXXX XXXX unwarranted. 
XX/XX/XXXX. 
X husband XXXX XXXX knew full wel that I was to receive the marital home in our divorce. 
But since they found the Morgage loan null and void. He divided a new one with his bankruptcy And then assigned it to me. 
He files bankruptcy in XXXX two years after our divorce in XXXX doesnt show me as an owner or a debtor. Then slaps this fraudulent loan on me Forecloses and kicks me out. 
My identity is and has been mangled wrong into, no info, still shows me living at XXXX XXXX XXXX? 
I believe someone is using my equity in the house and I can get no help to straighten it out Please help me.. Im destitute,. Homeless and this constant harassment is costin me the ability to obtain gainful employment. Please

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 2021-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I believe I am a victim of predatory loan practices. attended XXXX XXXX University from XXXX and graduated in XXXX. As the first woman in my XXXX-American family to graduate from college, I have struggled financially. Five of my loans with Navient ( formerly XXXX XXXX ) more than doubled from the original principle amounts. I have been in repayment for 10+ years and will not pay off loans and interest for more than 20+. This company is legally holding myself and others in financial bondage with no repercussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Date : XXXX 2021 ACH Transfer : SBA EDILSG loan Amt : {$5000.00} Date : XXXX XXXX 2021 ACH Transfer : SBA EDILTG loan Amt : {$10000.00} These were deposited into my checking account with bank of america and when this was transferred I was not aware that I was going to receive these loans because the SBA actually put me in to get those funds because I previously had a PPP loan with this account information on my application. Basically the SBA used the account already on file to transfer my EDIL loans to. I do have a business account with a different bank. The bank of america recently closed my accounts because of past deposit made through the mobile app NOT authorized by me, in which I reported identity fraud and theft so they ended closing the account. But decided to do so after the ACH transfer of XXXX then said they mailed me a cashiers check i waited for 2 weeks to receive it. I was told by 4 employees of the bank that. When 2 weeks past i called bank of america again and they said sorry we decided to hold that money for verification until its confirmed because it was transferred into my checking instead a business account. I explained my reasoning that the SBA used prior account info to transfer funds. That if I had knowledge to the deposit i would have had it transferred to my business account. But again I had no control over that. I am super extremely upset that i was lied to about receiving a cashiers check when that actually wasn't even true. Then withholding my funds that are seriously needed to buy supplies and help me with transportation for my business to keep rolling. I cant work now because of this and have clients waiting on services i can not provide without these funds. There's absolutely no reason to withhold these funds from me the funds are mines and are the reasoning for my business to continue so i can support my family. 
Indeed I have reported identity theft and fraud to the right agencies and i have proof of that. My entire wallet was stolen and my phone i never have done anything illegal to be treated like I'm the perpetrator when in fact i am a victim. I have been more than patient for over a month now. The bank lied to me for 2 weeks then kept giving me the run around. I already contacted the SBA regarding this, and have requested for the funds to be sent back and re deposited into my business account. I am making a complaint because I lost out on a lot of revenue and money not being able to fund my business which is why i received these funds and have not been able to work or fulfill needs of clients. Thank you for your time! 
XXXX 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 2021-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I been in the forbearance program since XX/XX/XXXX when the Pandemic start and i was schedule to be out in XX/XX/XXXX, since than i been dealing back and fort with my Mortgage company which is Lakeview Subserviced by XXXX, they keep denying the require paper work to complete the XXXX XXXX, so far i have return 2 set of paperwork sign and by the Notary Public they keep saying that is wrongful fill out, since last one send out to them i have ask to have a Mobile Notary Public that i'm waiting it has been a month today XX/XX/XXXX that Mobile Notary Has not contact me, I call today XX/XX/XXXX and spend 2 hours on the phone to speak with a member of management XXXX ID XXXX from XXXX  XXXX and provide a Tracking number from XXXX XXXXXXXX which they was send out in XX/XX/XXXX and XXXX XXXX and could not be located, documents were requested Wednesday XX/XX/XXXX for second time which are due to be return in Thursday XX/XX/XXXX and still have not receive a call from Notary public to schedule an appointment to sign documents.

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 2021-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I subscribed to the XXXX XXXX for a year in XX/XX/2020 through a XXXX one year subscription. I did not renew the subscription but received many phone calls asking me to renew even after I told them to remove me from their calling list. Now I received a debt collection letter from A.R.M. Solutions ( XXXX, CA ) on behalf of the XXXX XXXX saying if I don't pay a debt of {$42.00} a negative record will be submitted on my credit report. Not renewing a subscription is not a debt, and these scare tactics by the XXXX XXXX are anti-consumer and I feel likely illegal. 

XXXX order : Purchased on XX/XX/XXXX Item # XXXX Redeemed on XX/XX/XXXXCollection agency : A.R.M. Solutions Inc Client Acct # XXXX Agency Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I had unauthorized charges on my account. These charges were in duplicates. ON XX/XX/XXXX in the amount of {$4900.00} a company called XX/XX/XXXX charged my card 2 times. I contacted this company regarding these charges and was not provided any resolution or refunds. 

I have disputed these charges with Wells Fargo on XX/XX/21. Their fraud and member services opened a claim. The claim number is XXXX. Their investigation terminated on XX/XX/21 which resulted in a denial of my claim. In a letter stating, I authorized these charges based on my statements. I have not authorized any duplicate charges for any merchant at any time using this XXXX XXXX account or any other in my name. 

I know these charges to be fraudulent and under my rights of Consumer Credit Protection Act any charges on my debit card which are not authorized as to be refunded. 

XXXX XXXX, Senior Vice President of Wells Fargo has not cooperated with my dispute case. I am seeking a refund for the fraudulent charges.

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 2021-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I paid my last VA loan mortgage payment and sold my house on XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted Amerihome on XX/XX/XXXX, in which the Agent stated it was applied and they can see that the mortgage was paid in full. I requested my escrow refund ( {$4100.00} ) to come to the home I'm staying at XXXX XXXX XXXX, XXXX TX XXXX- I never got it. I was told may take up to 14 days, so I called again on XX/XX/XXXX ; the Agent said it may be lost in the mail or take up to 30 days to arrive at my new home with my mail being that it was re-routed to Texas. I waited again until XXXX and nothing came. I called again on XX/XX/2021, to find out why my check never made it to my XXXX address and was told by the Agent that the address on file was still saved to the address where I sold the house ( XXXX XXXX XXXX ) I then told her to update my address to XXXX XXXX XXXX, XXXX, TX and she said that she would cut me a check and it would arrive with 7-10 business days. XX/XX/XXXX, I received an update on the address change confirmation letter but NO Refund check. On XX/XX/XXXX, I called Amerihome and spoke to an agent who stated that it would up to 14 days to look at my case from the date I called. I feel Im just getting the run-around to not give me a refund. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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:
Please see FTC report attached to this complaint. Equifax and XXXX are both knowingly and continuously reporting fraudulent information on my credit report which is a violation of the Fair Credit Reporting Act. For whatever reason, they refuse to remove the collections I have already reported as fraudulent. The accounts in question are XXXX XXXX XXXX {$2200.00} opened XX/XX/2020 for both Equifax and XXXX and XXXX XXXX XXXX XXXX {$130.00} opened XX/XX/2020 for Equifax. Equifax has stated that they neglected to remove these fraudulent accounts simply because the account numbers were not present in the report. However, after including them in the report they are still refusing to remove said items from my account.

Company response to consumer: Closed with explanation