vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ON XX/XX/2020 AT XXXX XXXX  RECEIVED MY DISPUTE PACKET AND AFFIDAVIT FROM THE FEDERAL TRADE COMMISSION . I NEVER RECEIVED A RESPONSE FROM XXXX. ON XX/XX/2020 I CALLED AND FILLED A DISPUTE OVER THE PHONE. TO DISPUTE 2 BANKRUPTCIES, ADDRESSES, AND ACCOUNTS. ON XX/XX/2020 I UPLOADED MY DRIVER LICENSES, FTC COMPLAINT, FTC AFFIDAVIT, AND POLICE REPORT TO XXXXXXXX. ON XX/XX/2020 I RECEIVED AN UPDATE FROM XXXX  THAT MY DISPUTE HAS BEEN COMPLETED. UPON CHECKING THE RESULTS THE 2 BANKRUPTCIES REMAINED ANS 2 INACCURATE ADDRESSES REMAINED. I THEN CALLED ( XXXX XXXX @ XXXX ) I SPOKE WITH XXXX IN THE SPECIALIST DISPUTE DEPARTMENT. XXXX SAID THE CREDITORS CONFIRMED MY IDENTITY, WHICH I DON'T UNDERSTAND BECAUSE ITS NOT MY ACCOUNTS IM A VICTIM OF IDENTITY THEFT. XXXX REENTERED A DISPUTE FOR THE 2 BANKRUPTCIES. I NEED ASSISTANCE WITH GETTING THESE INACCURATE ACCOUNTS BEING ILLEGALLY ON MY CREDIT REPORT. THIS IS AFFECT ME FROM OBTAIN EMPLOYMENT AND PROVIDING SHELTER FOR MY FAMILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I paid the Debt even though it was not owed and they are still reporting this to XXXX. All the other Bureaus have removed this Debt because it was Inaccurate and never owed National Credit Systems XXXX the company contact is : NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX  XXXX  , GAXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Spoke with XXXX XXXX with Ace cash express in regards to a loan obtaining a personal loan in the amount of XXXX. I was prompted to verify my XXXX account by Ace cash XXXX in order to receive the loan on XX/XX/XXXX Ace cash advance deposed {$690.00} on XX/XX/XXXX. The deposit came from XXXX XXXX, into my XXXX account. I was then asked to purchase two visa gift cards. One in the amount of {$390.00} at XXXX on XX/XX/XXXX and the second at XXXX in the amount of {$690.00} on XX/XX/XXXX. I was told to take pictures and email the gift card information to XXXX XXXX at XXXX. I was told this was part of the verification process. 
After doing so. I was told I would receive my loan by that evening of XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from XXXX XXXX stating that I would have to verify my XXXX account one more time because they did not typically deposit loans through XXXX. This time he stated he would deposit an amount between XXXX to XXXX and I would again need to purchase another vanilla visa cash card. 

I refused to buy any further gift cards and and asked what me buying gift cards had to do with verifying my account, after already doing so once. 
I then felt there was something wrong with the situation after multiple personal text messages and phone calls from XXXX XXXX from the phone number XXXX. Asking me to proceed and being very pushy. 

I had not heard from or spoken to XXXX XXXX again with ace cash advance until I called demanding my funds back on XX/XX/XXXX. 
I was notified that {$240.00} was deducted from my XXXX account, also connected to my bank account. In the amount of {$240.00} the transaction stated it was a fraud claim. ID XXXX. On XX/XX/XXXX. The {$240.00} was every penny in my account On XX/XX/XXXX. Im sure more would have been have been taken if there more in the account. 

I then contacted my bank in regards. Shutting down my cards and account. I called the XXXX Fl sheriffs office to file a report through officer XXXX on XX/XX/XXXX and was directed to file a claim through www.ftc.gov/complaint in regards, due to the report happening out side of XXXX XXXX. The office of ace cash express is out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I Spoke with XXXX customer service Rep from XXXX XXXX XX/XX/2020 @ XXXX. I C System is reporting Balance being reported to credit bureau is an inaccurate balance. Balance XXXX XXXX has on file is substantially lower than the balance I C SYSTEM is reporting and seeking. My fair credit rights are in violation. I have sent letters off to I C System through a third party consumer called Smart credit with out any resolution.

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 2020-10-08 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: AL

Complaint narrative:
XX/XX/2020, I sent a letter to XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX XXXX XXXX, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with Equifax and they came back as verified account but did not removed and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Company claims I owe {$1900.00} I never heard of company or did business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: DISCOVER BANK
State: AZ

Complaint narrative:
They haven't removed the card from my report as promised. I have a police report i submitted to them and they still haven't kept they word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
XXXX of 2019 I submitted a 609 dispute letter to the company and was sent back a bill this response did not provide me with the information I requested per my 609 dispute letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
On XX/XX/2020 I disputed this debt. I have never signed a contract. I don't know who this company is. I have not done business with this company. I do not owe this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC
State: WI

Complaint narrative:
On XX/XX/2020 I disputed this debt. I have never signed a contract. I do not know who this company is. I have not done business with this company. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: T2 Financial LLC
State: OH

Complaint narrative:
On XX/XX/2020 I began a refinance loan application and process thru T2 Financial dba Revolution Mortgage. I had obtained a home loan to purchase my home the year prior with ease and was looking to refinance with rates dropping so low. 

I was dealing with XXXX XXXX as a loan officer. Everything seemed to be going along well albeit it was taking a long time 60+ days. When we got to the point of scheduling a close date, I was then dealing with not only XXXX XXXX, but another person, XXXX XXXX. They then began to make the process complicated and difficult ; first by having me have to deal with 2 separate people, but then began demanding more and more information after I was already approved for closing and they had already requested multiple payoff statements from my current lender ( to which I was charged each request for a total of {$50.00} ). They even contacted the title company about closing, only to then delay the process by continually asking for more information, even after I provided it. They would claim it wasn't detailed enough or anything they could to delay my closing. 

In my opinion, especially after dealing with multiple home loans in my life, this company never intended to close and was making things more and more difficult, including cancelling my loan without my implicit request to do so, just to get me to walk away so that they didn't have to deny me outright. 

I have demanded that they reimburse me for my incurred fees due to their incompetence and that they remove their credit inquiry from my near perfect credit score so I can go with a more reputable and competent company. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
Re : Plains Capital Bank in XXXX, Texas Per Plains Capital Bank they stated I had signed up a XXXX XXXX which intended to send money to friends, family, and others trusted. They stated I signed up for this service and I did not. I am XXXX XXXX XXXX. I dont use a computer. They charged my account {$900.00} for this service. I protested and I received a letter just saying the investigation was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX, initiated 3 hard inquiries on my equifax credit report without my authorization. The inquiries where improper and unnecessary. All three inquiries were done in less than 90 days. I contacted XXXX XXXX XXXX by phone and they told me they had no record of the inquiries. I also contacted them on writing, with no response. The inquiries were done on the following days. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
H & R claims I owe {$500.00} never did any business with company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have a mortgage with Banco Popular de PR. My home suffered damage by the earthquakes in the south. The Bank make me put an insurance to the house, by this date nor the bank or the insurance company helped me with the process to fix the house. The insurance offeres me a low quantity of money to fix it. I ask the bank for helped the only thing they offered me is in benefit of the bank not in the benefit of me or my family. They now are calling me asking when I'm going to pay.

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 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Results Unlimited of XXXX  XXXX, VA, Attempted to take EXEMPT funds from my XXXX pension from XXXX. 
Tried to collect wrong amount $ XXXX, and put a lien on my XXXX XXXX account, denying my access to my pension!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am trying to close an account held jointly by my deceased parents. My father died in XXXX and my mother died in XX/XX/XXXX. I am the sole heir and listed legally as her personal representative. 
Last XXXX, I have trouble getting any response at all from Chase despite numerous phone calls. Finally, I was able to get an address to send information to, but after that I received no further information. By XXXX, I was able to get hold of someone in a branch who insisted that I had not submitted the documentation despite my receipt of a certified letter that I had. By XXXX, I was able to speak again with someone who told me that Chase did have the documentation I sent but that I needed one piece of additional documentation, in the form of a small estates document. I submitted that today and now was told that I need additional documentation and that the documentation I sent previously was somewhere in the system but unattainable by the people in the bank who needed to see it. 

I believe that the bank is withholding the money in this account capriciously, being careless and irresponsible with personal documents and continually changing requirements to access money so that the money remains at Chase.

I want to transfer the money that was in my parents ' joint accounts at Chase into my an account my mother and I held jointly at Chase. I believe I should have been able to do this in a timely fashion and can document the fact that I started this process before XX/XX/XXXX. I also made bold the part of a Chase document that states that the bank will let consumers know within 30 days if additional documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a XXXX  on XXXX. A buyer won an auction in XXXX and was delivered exactly what was promised. A month after product was delivered, she made a claim in XXXX  claiming the items arrived damaged. I fought this claim as it was untrue and XXXX closed the claim in my favor. The buyer was unsatisfied with this result and then opened a claim with Paypal for the same reason. I let them know that this was already handled by XXXX and that they determined that the items were undamaged and the case was closed in my favor. I heard nothing back from Paypal for over a month until the product was returned to me unannounced and they forced a refund from my account. I was never informed that they needed more information or that they had instructed the buyer to send the product back. I now have a negative balance in my account that they expect me to pay for an unauthorized return that should have never occurred. The timing of the sale had a lot to do with the price the buyer paid, so their attitude that I can just sell it again and make my money back is an insult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
On XX/XX/2020 I disputed this debt. I have never signed a contract. I do not know who this company is. I have not done business with this company. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XX/XX/2020, I sent a letter to NCA, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX XXXX XXXX, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with XXXX and they came back as verified account but did not removed and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a 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 or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, 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