vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On monday XX/XX/XXXX at XXXX XXXX i received a txt message from this company saying that i had been approved for a personal loan with a certain amount of money to give them i call back to that number. 
I called back they had already my information and they said i will be getting the money they just had to increase my credit score. 
After that some hours passed and they said in order to help me out to increase my credit score they were going to deposit money in my bank account XXXX dollars and i had to pay them back that money right away in order for them to verify me. 
Some hours passed and they deposit XXXX dollars saying it was just to check my bank acount. Thay ask me to buy a XXXX prepaid card to pay back that money to them, i did that and after they ask me to deposit XXXX dollars into my own bank account in order for them to confirm all the transactions. 
XXXX XXXX that was his name called me back around XXXX XXXX that monday and said the money was going to be in my account the next day right in the morning. 
XX/XX/XXXX called me in the morning and said i needed to buy XXXX XXXX   cards. 
I check my bank account that morning and i had XXXX deposit in my acount i believe they were going to be for the loan. That called and they said my credit score needed to be higher and with those 8 XXXX cards they were going to help me, and that was the last thing i had to do. I bought the cards with that money and XXXX said to give them a couple of hours so the money could be in my bank account. 
XXXX called me back several times and ask for my bank account information saying that they were going to put they money but they couldnt because something was wrong with my account. At XXXX he called and said the money was going to be in my bank account fist thing in the morning that they had some problems with the manager. 
XX/XX/XXXX in the morning i check my bank account and i had XXXX dollars they called me and said they couldnt deposit the money because my account had minus if i had bought something or if i had bills to pay that i had to pay that off first in order for them to give me the money, i reply to them saying i didnt had any bills or anything it was just them and the XXXX cards they had made me bought. XXXX told me to give him 2 hours in order for him to check that, at XXXX XXXX   he called me back saying he couldnt fix it and i had to pay XXXX dollars in another XXXX card in order for them to fix it or to cancel all the loan, i tell him no and he said he couldnt do anything and that the minus moeny in my bank account had been me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
on XX/XX/15 at XXXX I sent {$300.00} through MoneyGram , sent it to the bank account of recipient as done before. On XX/XX/XXXX around XXXX, recipient called me and stated she had not receive the money. She called her bank and they research and could not locate the deposit. I called MoneyGram around XXXX, waited over 20 minutes for an associate. I was not satisfied with answer provided, asked to speak with supervisor ( XXXX ), he stated that their system shows it has been deposit, then came back and stated that there was a delay and they will have to open an investigation which will take 90 days to resolve!! They will not give me my money back until after their investigation about 90 days!! This is ridiculous, I need that money for my family and MoneyGram is not giving it back. With this situation ( pandemic ) my family needs the money for medicine and how am I going to be able to get another XXXX just like that?? I believe this is an abuse to the customers, however they are using our money but in situations like this ones at the moment it's not even humane..If there is a delay then the money is there with either MoneyGram or the bank but neither one of them can't locate it???? 
This is not fair, we all work hard to support our families and needs, I will never deal with any financial institutions like MoneyGram.. used them for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastpoint Recovery Group, Inc
State: AZ

Complaint narrative:
On XX/XX/20 this company did a hard inquiry on my credit which has no valid reason and was not authorized by me. This was done with malicious intent and I want it fixed and I will continue to file complaints until it is resolved. There was no reason to do a hard inquiry. If they wanted my credit report they could have done a soft inquiry to get whatever information they needed. They listed the reason as " installment loan inquiry ''. I never discussed, inquired, or authorized any type of application for any type of financial service. Further, the employee who called me violated FDCPA by harassing me, threatening me, and giving out information when no identity was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My Barclays XXXX Credit Card was used and the products were sent to unknown persons and I'm being charged for fraud and false 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 explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC Will not let me link my account to XXXX or XXXX for seemingly no reason. An error just occurs every time I log in to link my account. XXXX poor from PNC. I am not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My Barclay account ending in XXXX was paid off less the amount of {$15.00}, this is a returned check fee which is in dispute, due to a returned payment in the amount of {$50.00}. A replacement payment was made, which did in fact clear my bank, contrary to what a XXXX XXXX claims, a bank statement was provided and complaint marked as duplicate to avoid addressing it. The account was later paid off less disputed fee, additional interest brought the account to {$27.00}, account was later credited this amount.. XXXX claims it was credited as assistance related to covid-19,  this information is entirely bogus ... I can assure the CFPB account assistance does not include waiving fees/interest in this case. I attempted to clarify this by calling and speaking with customer service reps, was on hold for well over a hour and no one picked up. I am also attempting to clarify if account sent to collections or not, if so, I need the name of collection agency.. Additionally, I've called directly to number provided in prior CFPB responses, it appears leaving contact info is entirely pointless, the rep does not accept or return calls, a total of three messages left and none returned.. Further, the rep likes to include copies of her past replies which is also pointless, will refuse back if mailed to me. Unfortunately, this rep appears to be the only person replying on behalf on Barclays, no reasonable rep available to reply and or speak with.

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 2020-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent XXXX XXXX XXXX  loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX Midwest recovery systems Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with XXXX XXXX XXXX. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-15 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: CA

Complaint narrative:
I AM VICTM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO EXPERIAN AND I AM REQUESTING THE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. I HAVE NEVER AUTHORIZED THESE ACCOUNTS TO BE REMOVED, I NEVER AUTHORIZED THE CHARGES. I AM A VICTIM, WHAT PART OF BEING A VICTIM IS A JOKE TOT EH CREDITORS AND TO EXPERIAN. THE AGENT FROM EXPERIAN REFUSES TO FOLLOW THE 605B 10 U.S.C. & 1681c-2 ) WHICH MEANS THAT THE BUREAU NEEDS TO BLOCK THE FRAUDULENT ACCOUNTS FROM 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 2020-07-15 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-15 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XX/XX/2020. We are attempting to get our mortgage refinanced. We logged in to the account at Experian and filled out the required information. The page eventually showed our account as unlocked so I informed the bank we are working with. When the mortgage officer attempted to access the file, he was told it was unlocked. I went to the website, looked at the page, took a screenshot where it said " UNLOCKED '' - it it WAS NOT! The bank called and told me, so i attempted to go through the phone number at Experian. That would not work either. I am disappointed and frustrated at the lack of a " REAL PERSON '' to talk to. After all, it is MY INFORMATION they are holding hostage!! Please lodge my vociferous complaint!!

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 2020-07-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-07-15 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: Nelnet, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, Great Lakes transferred some of my student loans to Nelnet. At that time, my monthly payment was {$0.00}. I never received any information regarding the transfer. I found out about the transfer in XX/XX/XXXX. Between XX/XX/XXXX & XX/XX/XXXX I was under an Emergency Declaration related to flooding. I contacted Great Lakes to ask for a deferment and it was granted. At no time did Great Lakes tell me that there was a change to my account and I had not noticed since I still had a monthly payment of {$0.00}. During the month of XXXX in XXXX, Nelnet reported a 90+ day late payment to all three credit bureaus. During XX/XX/XXXX, Nelnet applied a deferment for the period of the Emergency Declaration. Nelnet will not remove the late payment notification from my credit report. I have never paid Nelnet any money as of today ( XX/XX/XXXX ) and I do not owe them any money as of that date. Nelnet incorrectly reported by account as delinquent even though I did not owe them any money. I have tried contacting them and they refuse to change the reporting. They reported my as delinquent even though there was an Emergency Declaration and had not made any two-way communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have no outstanding balance with this company and requested validation of this account about 7 times already. 
I have never received a single piece of paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Several Wells Fargo accounts were opened which were not authorized, numerous prior CFPB complaint were filed, unresolved, pertaining to this issue and fees/damages associated with these accounts.. A mediation session was made with Wells Fargo and a XXXX XXXX , rep on Wells Fargo side . XXXX offered a small remedy amount of {$300.00} then moved to a higher amount of {$500.00}, which does not cover damages sustained due to these accounts.. As explained in prior complaint, I've lost potential interest as result of inability to open accounts, due to information reported prior by Wells Fargo to one or more consumer reporting agencies. The amount, {$500.00}, does not cover damage amount and a lawsuit will have to be filed, unless Wells Fargo is willing to make a reasonable offer to compensate. Failing to do so, I request these mediation packets STOP .... I've received several of these, filled out five or six, no reasonable offer made which I described above..

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 2020-07-15 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-15 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( Santander ) agreed thru a goodwill  gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( XXXX ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I made a purchase of jewelry that had a precise value, two weeks later the jewelry had a higher price. So I decided not to buy it, but I had already paid the remaining amount which was XXXX. Why did I pay for this before the jewelry was shipped? Because Acima has a facility that if you pay before 90 days, you pay the exact amount of the product without interest. XXXX XXXX XXXX They say they sent me the product on month 6 on day 9, which may not be possible because the jewelry is in Florida. They have no proof that they sent me the product, because it did not, not even a tracking number. Acima from the beginning told me that I would insure my money, Acima credict had full knowledge that even a month later they had not given me the jewelry, since they made a call to me on XX/XX/XXXX to find out if I still wanted to continue with the order where I I gave him the approval that we wait a week to see if the jewelry really works. The jewelry information is Mr. XXXX the difference, telephone # XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation