vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NY

Complaint narrative:
Ace cash Express  Repeat phone call I called back, they gave me a docket # And claimed I owed {XXXX}. 
I never heard of this company, I never had a cash express loan. Ive never been to this place, They knew the last four of my SS numbers, I live in NY. They said I have to get an Atty and appear in court on Tuesday but would not tell me where or what court? Or I could pay him over the phone now!!! I looked on line for Ace Cash Express and I see they were barred and fined for doing this robo call operation in 2018 in Texas. I have never been there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: LA

Complaint narrative:
I switched mobile service from XXXX to another carrier on XX/XX/2021. After switching service I called XXXX to finalize billing and ensure that my service with them was terminated. The CSR told me to disregard my current bill since I did not have service the entire month, that i would receive a pro-rated bill, which I did in XXXX. The amount was for {$120.00}. On XX/XX/2021 I went into my local branch and made the payment. I also took a range extender which I was given by XXXX because I had no service in my house and had safety concerns because of my wife and kids not having any service ( Of course this did not help ). The CSR at XXXX branch did not show as this on my account, and stated that XXXX did not use these anymore, and she couldn't take it back in the store. She did state that if XXXX wanted it back they would send a return box for me to ship it back. I haven't heard from XXXX since. XXXX, I received an alert from XXXX that I had a collection on my credit report. It was from a collection company called Receivables Performance Management , LLC  out of XXXX Wa. for a debt of {$310.00} with XXXX XXXX I do not have ANY late bills with ANYONE! I have never received anything from this company no email, mail, or phone call. With no notice, this company, Receivables Performance Management , LLC, is in violation of the FCRA and CFPB, and have taken my rights to dispute or resolve this matter. They have also put in jeopardy my first home purchase at XXXX years old. I have worked too hard to clean all of my credit up over the last XXXX or XXXX years, to let anyone steal this from me by violating my rights as a consumer. I look for the CFPB  to step in before I escalate this matter legally. This needs to be removed from my credit report ASAP and these predatory collection practices need to stop. Many companies believe that they have the right to jeopardize consumers livelihood, and tear down the work of others.

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 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Abra
State: FL

Complaint narrative:
I was approached by a person who allegedly claimed they work at Abra which said if i put an investement worth XXXX, i'll earn XXXX and figure was only written on phone possibly the person just thought of the amount just to lead me into a scam. By my investigation she wasn't an Abra user according to the company. 

I started chatting with XXXX on XXXX, then later switched to XXXX chat. I tried to invest on XXXX or XXXX XXXX, so i bought cryptos of up to {$1300.00}, hoping to earn some profits. The card payments and bank transfer that i made was to buy some BTC cryptos which i bought using Abra via XXXX, so it gave a few options like XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results.

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 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I recently refinanced my home loan with XXXX. XXXX XXXX XXXX ( XXXX ), who I believe is a partner or subsidiary of XXXX first held my mortgage. I made the first payment to them on XX/XX/2021 as required. The mortgage was then sold to XXXX XXXX XXXX ( XXXX ) post payment on XX/XX/2021. 

XXXX is not harassing me for a late payment, threatening credit problems/reporting until payment is made. They are pressuring me to make the payment I already made to XXXX. 

XXXX is telling me I need to get my money back from XXXX, XXXX is telling me XXXX is lying to me and the money will be transfer and it takes time, etc. XXXX is insisting they have the loan, but money was never transferred. 

Both banks are leaving me in the stuck in the middle with no way to turn. XXXX insist I pay the money now. 

XXXX has said they will not report to credit within XXXX  days, but will got back and report all problems that occurred within that XXXX days. I am not sure how this is right or fair. 

Proof of payment and receipt of payment is attached. My bank statement shows the money withdrawn and the other statement is from XXXX showing it recieved.

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 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX XXXX of this year, someone was able to walk into the PNC bank located at XXXX XXXX XXXX XXXX in XXXX TX. and using a false social security number, a false address, my correct birthday, and a signature that didn't match, and withdrew {$3000.00} in cash from my checking account. As you can see from the copy of the withdrawal ticket, they tried to get {$4000.00}   but the balance wouldn't support it. The teller, who may have been in on the scam, gave them the money even with all that inaccurate information. The teller clearly did not follow banking protocols and did not check the information on file, if they had they would have know this was a scam! 
We contacted the local branch here and they are working on the problem, but we were told it may take up to 90  days to get our money back, THIS IS TOTALLY UNACCEPTABLE. This is felony level back fraud and without a doubt the sloppiest case of bank teller performance I have ever heard of. I am enclosing a copy of the withdrawal ticket so you can see what I'm talking about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I XXXX XXXX, have been trying to dispute these fraudulent charges on my credit report due to the XXXX breach. There have been several accounts opened and inquiries made using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter from Citi bank  on XX/XX/XXXX stating my late mother was owed {$450.00} and that i needed to send documents to retrieve these funds before it was forwarded to unclaimed funds in XXXX. I faxed them her death certificate along with other documents to prove who i was and a form that came with the letter. On XX/XX/XXXX i received another form to fill out and a request for her death certificate and copy of the first letter. I faxed those today along with original packet of documents sent XX/XX/XXXX and fax confirmation. I also mailed the same faxed documents certified mail today as well. This is absolutely rediculas that it takes them XXXX weeks to reply and instead of a check i received another request for the exact documents they requested the first time. citi bank abandoned funds dept XXXX Ref ID # XXXX. Her name was XXXX XXXX DOB XX/XX/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 2021-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Here are the inquires that are my credit profile that I didn't authorize Bank of America - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2021 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 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX  major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I was notified of legal action taken against Ally Financial. All XXXX credit bureaus are still reporting this debt on my credit report. All payments were to stop and I thought it should be removed from my credit reports. XXXX is reporting payments made and there has not been. Should this debt be removed from my credit reports?

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 2021-11-22 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: AL

Complaint narrative:
This account has been falsely validated & verified as accurate while maintaining several inaccuracies. As pertained by the XXXX, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX & Experian continue to break statute, U.S. code XXXX U.S. Code XXXX  - Compliance procedures, article ( b ). 

Inaccurate Address Inaccurate updated status Inaccurate date of last payment Inaccurate first late payment The inaccurate information being reported by XXXX is a direct violation of my consumer rights. I wish that this account be deleted from my report expeditiously.

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 2021-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NC

Complaint narrative:
Fed Loan Servicing is impossible to deal with. Currently on hold for XXXX hours to try to get basic answers to related to the XXXX application and employment certification I submitted a month ago. The website says my application was processed but my payment counts dont make any sense at all. But I cant get ahold of anyone to try to talk about the error or how to get it fixed. 

This has been an ongoing problem with Fed Loan Servicing and I know I am not the only one dealing with this problem. It is incredibly disappointing that the Federal Government allows such incompetent servicing from the company it contracts with for the servicing of federal student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I noticed that XXXX purchases had been placed on my Chase Bank account for the prices of {$990.00} and {$2600.00} paid to " XXXX XXXX '' and " XXXX XXXX '' respectively. I had never made these purchases, nor had I ever heard of the business the payments were made to. I immediately contacted my bank and was told that a telephone transfer had occurred on XX/XX/2021, in order to transfer {$5000.00} from XXXX of my accounts to the other, then these XXXX purchases were made immediately after. I informed the bank that I had not made these purchases, I was told they would give me back my money and I changed my account and password information and got a new Debit card. 
Believing the situation had been resolved, I didn't think any more about it. A few days later, the money was placed back into my account. I thought it was over. Today, XX/XX/2021, I awoke to find that the money had been removed from my account once again. I found out that my fraud claim had been reversed and the bank had decided that these charges were authorized. I never authorized these charges, I still don't even know what the company who charged me does or makes, and I was told there was nothing Chase could do about it because whoever made the phone call to transfer the money was authorized through their automated system. I do not know how this is possible, who called the bank, or how they knew enough of my information to convince the bank they were me. I am attaching to this report the statement made by Chase bank claiming they determined these charges to be authorized, despite them not having been authorized by myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ERC
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: MN

Complaint narrative:
I called XXXX XXXX to file a dispute about XXXX charges I saw on my bank statement. XXXX was for {$XXXX} and the other one was for {XXXX}. The Banker asked me if I wanted to cancel my card. I said no, that I had payments coming out and I buy many things on line. I asked her if the were cancelled how long would it take to get another XXXX, I can't remember her exact reply, but I believe it was XXXX days or there about. I got upset and told her not to cancel the card. I went about my business and ordered some glucose tablets from XXXX The next morning I got a notice that I needed to make another kind of payment. I called XXXX and they said my card had been declined. I am afraid I freaked out. I called the Bank and got a slow Banker who mumbled something about the Fraud Department. He connected mean and I found out that a dispute automatically goes to a Fraud case and the card gets turned off. I am afraid I freaked. I am XXXX XXXX XXXX. I am on XXXX XXXX. I work very hard to keep my finances in order. I have a printer as well as a computer and I regularly print off copies of my Bank pages. I called several other Bankers and got different stories. At the time I didn't have anyone to take me to the branch and get a temporary card. After the last Banker treated me badly. I decided to file a compalint. I called my son and told him about my problem. We had to negotiate a time and he will come over today at XXXX to take me to the Branch. They have a drive up window. I have spoken to the manager before. and he has helped me out. My main concern was that my blood suger had gone down for XXXX nights in a row and I was running out of Glucose tablets to bring it back up. If I didn't have my card I couldn't get more tablets. I don't have a car and no one in my Senior Building, know me well enough to ask them for their help. I didn't think my son could help me because he is a XXXX XXXX  and has a hard time when other people keep digging into his work day. But he agreed to help me get a temporary, I was very upset that the bank had no compassion for the health issue I was dealing with. If I could not raise my XXXX XXXX I could go into a XXXX or get XXXX. I work very hard on covering my bases in taking care of myself. Their not understanding me was extremely frustrating and threatening. They couldn't seem to get it. That woman did not tell me she would have to cut off my card. She led me to believe that it was okay.

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 2021-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 XXXX XXXX XXXX  XXXX, VA XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear XXXX Hi, I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent. According to Section XXXX of the XXXX, I would totally appreciate if you kindly provide me the permissible purpose, proof that I initiated these inquiries. In addition, written authorization for all inquiries listed on my credit report. If you have NO PROOF, please delete these inquiries immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide a permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. According to my research, under Section XXXX. Permissible Purposes of Consumer Reports XXXX XXXX. XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX.? XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. The following companies did not have permission to request my credit report : { multiacct } Once again I demand the removal of these unauthorized inquiries immediately. Please send me an updated credit report to my address listed above.

Company response to consumer: Closed with explanation