vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
On XX/XX/2020 I received an email from XXXXXXXX, ACE CASH SERVICES, stating that I was going to be legally prosecuted, reported to local sheriffs office, reported to my employer, have my wages garnished and reported to credit bureaus for past due loan that I have NO IDEA about! 

CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICES This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXXXXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX XXXX  to XXXX XXXX ( EST ). 
In order to resolve this you can contact us at XXXXXXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a report from the FTC along with local police report #, sign affidavit that the XXXX account was a fraudulent account. The reporting Co. Removed the fraudulent account from my report. But now it has shown back up and they refuse to delete it. I read the law as follows ( If a consumer submits to a credit reporting agency a copy of a valid police report, or a valid investigative report made by a Department of Motor Vehicles investigator with peace officer status, filed pursuant to Section 530.5 of the Penal Code, the consumer credit reporting agency shall promptly and permanently block reporting any information that the consumer alleges appears on his or her credit report as a result of a violation of Section 530.5 of the Penal Code so that the information can not be reported. The consumer credit reporting agency shall promptly notify the furnisher of the information that the information has been so blocked ) So how is it that it shows back up on my 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 2020-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/2020, I sent a letter to Pentagon Federal Credit Union ( PenFed ) and enclosed the following 3 negotiable instruments : Money Order for {$750.00} ( part of regular mortgage payment ) Personal Check for {$120.00} ( ck # ( part of regular mortgage payment ) Personal Check for {$39.00} ( additional money for replenishing escrow account ) Only one of these instruments was negotiated, the check for {$39.00}. The Money Order and check for {$120.00} have not been negotiated. 

As a result, PenFed has been issuing me default notices and threatening foreclosure. 

I have inquired about the non-negotiated payments ( see letter dated XX/XX/2020 ) but PenFed has not responded. 

I also sent a letter to XXXX XXXX but have received no response. ( see XX/XX/2020 response )

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 2020-07-12 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: EQUIFAX, INC.
State: MN

Complaint narrative:
MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX XXXX Equifax I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX Experian XXXX I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!

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 2020-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: EQUIFAX, INC.
State: MN

Complaint narrative:
After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file Equifax and XXXX when XXXX XXXX XXXX remove this violation please send me a updated copy of a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file XXXX  and Experian when XXXX  XXXX XXXX remove this violation please send me a updated copy of a 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 2020-07-12 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I obtained a 36 month lease on a vehicle. 

From XX/XX/XXXX through XX/XX/XXXX, that vehicle was being repaired by the dealer due to repeated mechanical problems. 

According to the customer service department if the financing company, because I was not provided a loaner vehicle by the dealer, I would not be responsible for lease payments until the repairs were complete. 

When the vehicle was picked up on XX/XX/XXXX, the odometer read 15,000 miles, rather than the sub-500 miles it read when it had when it was dropped off. After a threat of a lawsuit, the dealer agreed to cancel the lease. 

On XX/XX/XXXX, I received a letter from the financing agency reflecting the cancellation of the remaining balance. 

On or about XX/XX/XXXX, my credit reports with all three major credit bureaus were updated to reflect delinquent payments for XX/XX/XXXX through XX/XX/XXXX. I sent in a copy of the cancellation letter and an explanation of the repairs, and the delinquencies were adjusted to XX/XX/XXXX through XX/XX/XXXX, with the status being changed to 'repossession ', and an open balance of {$13000.00}. 

On XX/XX/XXXX, my credit reports with all three major credit bureaus were updated once again to reflect this account as having a " most recently paid '' date of " XX/XX/XXXX '' with a payment amount of XXXX  dollars, an account balance of {$26000.00} and an account status of " Charged off as bad debt ''. 

I have disputed the facts of this debt with all three credit bureaus, but they all claim it " meets FCRA requirements ''. I have also sent multiple requests for debt validation via certified mail ( the most recent was received on XX/XX/XXXX ), but the financing company has refused to comply with my request, and is continuing to report my information to the three major credit bureaus ( the most recent credit report was submitted XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today for the 5th or 6th Time I have tried to access my XXXX  credit report online on XXXX and I am not able to see my report or my score at all. I even tried to purchase my report and it does not allow me to, yet XXXX  still deducted XXXX $ from my bank account that is still pending. I have contacted XXXX  on at least two occasions with regard to me not being able to see my credit report any longer and they claim that everything is fine and that I should be able to see my report. I have had to clear my cache on my computer, I have deleted cookies, I have done everything to try and access something that I have always been able to see and nothing is working now as of XX/XX/2020 I first discovered that I could not see my report any longer and I noticed before that on XXXX XXXX that my score was not updating with some key disputes that I had submitted to XXXX. I contacted XXXX XXXX  and they deleted my account and had me to re-register. This did not fix the issue and not I can not even see my XXXX  report on XXXX XXXX. I also can not even access my report for free on the my free XXXX XXXX XXXX website. I have not been able to access that one for some years now. I am having this problem consistently with TransUnion and XXXX  in all actuality. The only report that I CAN SEE is TransUnion via XXXX XXXX. I am also not able to access my report from TransUnion either. I have provided each bureau with my identification documents, Drivers License and Social Security Card along with A recent bank statement. This had not made a difference and some of the time when I call into the bureau the automated system acts as if it can not verify my identity. This is causing me mental distress and I would simply like to view my report and make the proper disputes to inaccurate information that they are reporting and each company is hindering me from doing so. I have talked to many supervisors and I have talked to regular representatives, I have talked to the fraud department you name it I have talked to them all and I have not gotten anywhere with this issue. I need someone with the highest authority in the company to contact me and get this fixed for XXXX  and TransUnion. it is not fair that I am not able to see something that is so important that affects my life. I was told that one of the reasons that I could not see my reports was because of disputes in progress but this is not true because before I submitted any disputes I could not see my reports. This has been on going with TransUnion and XXXX  is now doing the same thing. I feel as if they are doing something shady and it needs to stop.

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 2020-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a report from the FTC along with local police report #, sign affidavit that the XXXX account was a fraudulent account. The reporting Co. Removed the fraudulent account from my report. But now it has shown back up and they refuse to delete it. I read the law as follows ( If a consumer submits to a credit reporting agency a copy of a valid police report, or a valid investigative report made by a Department of Motor Vehicles investigator with peace officer status, filed pursuant to Section 530.5 of the Penal Code, the consumer credit reporting agency shall promptly and permanently block reporting any information that the consumer alleges appears on his or her credit report as a result of a violation of Section 530.5 of the Penal Code so that the information can not be reported. The consumer credit reporting agency shall promptly notify the furnisher of the information that the information has been so blocked ) So how is it that it shows back up on my 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 2020-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one keeps updating a Walmart account which now is delinquent on my XXXX credit report please see attached. I didnt really know but the representative says its reporting I owed a balance when it was fraud on my account and it was investigated and found to be fraud on my Walmart/capital one card and I called several times and they kept saying they were gon na update it right. No late payments and no balance. No I get an alert and my scores goes down 40 points. What is the problem? Why cant you get right after about 6 months youd think this would be corrected by now.SEND ME A COPY OF THE FRAUD CLAIM AND THAT MY REPORTS WOULD BE UPDATED! XXXX  has stopped honoring FTC reports etc especially when it comes to inquiries on my credit reports saying they only send out letters and if the dont respond then the inquirys still stay on your report. My problem with them is they are responding to my complaints about me being a victim of identity theft why arent you doing anything about it? This practice you have adopted about the inquiries is wrong and its not fair or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive disputed the debt to XXXX its TransUnion TWICE and they continue to tell me the debt is accurate. This debt has been paid off since XX/XX/2020. XXXX can confirm payoff as Ive called them And they have stated that the bureau is supposed to remove the debt because it has been paid. TransUnion has not effectively and thoroughly investigated this by FCRA 611 standards and this debt needs to be deleted as it is already paid off.

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 2020-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I need a advance on my check but its denying me from using a app i`ve used with my account plenty of times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America closed my account without any notice. I have been a customer of theirs for over 5 years. Now they have my money and I have no access to it. I am unable to feed my family, my utility bills are due and I also have my car insurance and car note payment due date coming up. This has put a halt to my life and cause me much anxiety. I have no one to go to who can support me or lend me money at the time. I need my money ASAP so that I can live my life.

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 2020-07-12 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: Experian Information Solutions Inc.
State: AP

Complaint narrative:
Experian is allowing one of its customers to make fraudulent reports on an account that is closed. They continue to violate my rights and FCRA. 

Experian parrots what their clients states and does not do their own investigation. 

Ive asked both Experian and their client to please provide me any document showing Ive opened or reopened this account since its been closed in XXXX. 

Account is reported closed paid in full one month then open with a different ( raised amount ). With no documentation of this being linked to my authorization.

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 2020-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Full access to my account online has been denied. I request restoration of access to manage and submit disputed online.

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 2020-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently sent letters over 30 days ago to this bureau or these bureaus and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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