vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 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: CORELOGIC INC
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2021-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have contacted ACE Cash Express several times at the beginning of the pandemic stating that I had a 100 % loss of income and that no payment arrangements will be made until my employment is back up to a manageable level. They refused to work with me. I sent them an email restating the same thing. I'm doing all I can to feed my son during this time while attempting to rebuild an income. I'm 100 % on unemployment right now. No arrangements will be made until income is restored. 

They have repeatedly contacted me regarding this debt after I contacted them to stop the harassment. They have showed up to my dead father 's home in the state of Michigan, six years after his death. They have contacted my brother in the state of Michigan after I told them to stop harassing me. 

They have filed a lawsuit in the state of Texas in XXXX XXXX regarding this. I have contacted the phone number and case number regarding this legal claim and was told I need to deal with Ace Cash Express directly. They were not even able to provide me with a contact and phone number. 

I have contacted ACE Cash Express AGAIN, at their corporate offices and very explicitly and blatantly told them to stop harassing myself and my family we are in the middle of a pandemic and millions including myself are still unemployed. It is unconscionable that this is happening during this time after they have been repeatedly told the situation and to STOP HARASSMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Received a letter from a Law Firm : XXXX, XXXX XXXX XXXX XXXX Midland Funding LLC. stating a debt was owed. I sent a letter to the law firm requesting proof that the debt was indeed mine. All that was sent was a judgment that was filed in court. Nothing was submitted proving that debt is indeed mine from either party such as a signed contract. 

Upon further research, I see this debt recovery was initiated in 2011, in which there was never any communication. I request the necessary information be provided proving that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: MA

Complaint narrative:
Capital One Account # XXXX opened on XX/XX/XXXX is listed as current when it is closed and it is also listed as legally paid in full for less than the full balance, when in XXXX of XXXX I paid off and closed the account with a promise that the account would be deleted. The account was deleted until I applied and was approved for a card on XXXX XXXX XXXX. I applied for a card with Capital One knowing I was in good standing. So after a year and a half Capital One decide to put this negative account on my credit report for some unknown reason. Im asking that this info be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I had an international wire transfer coming to me and Wells Fargo was the intermediary bank. They said the funds came through but were given to someone else whose name did not even come close to matching mine but somehow had the same account number? Wells Fargo said this rarely happens but it can happen. They told me there was nothing they could do as the money was gone and spent. They even said they knew who took the money but could not get it back because it was already spent by the person who stole my funds due to Wells Fargos mistake. This wire was for {$8000.00} to help pay for my mothers XXXX  expenses. How can they think its okay to give funds to the wrong person without any recourse?

We called several times to speak with Wells Fargo on the missing funds and their answer was always the same. Yes, we received the wire, gave it to the wrong person, and there is nothing we can do. It got to the point where they starting hanging up on me as soon as I gave them the account information to see what can be done.

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 2021-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I have recently contacted customer service regarding a written request to receive all information regarding XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX AES has failed to do this and is purposely advising customer service representatives that they are not authorized to provide lender information. Since private lenders are not under federal authority, they still must provide their information. AES has repeatedly sent me a promissory notes from XXXX but not from XXXX XXXX XXXX XXXX verifying they transferred/bought the loan. I have repeatedly ask for a forbearance only to be told the lender states I have used up my forbearance time. If there is no contact information to XXXX XXXX then where is AES receiving this information. I have also researched this supposed lender and an unknown address in Delaware has surfaced with no telephone number to contact them. If AES does not produce the direct number to this XXXX XXXX XXXX XXXX entity then I will assume the promissory note they have sent me is not accurate or false which means XXXX is still the lender. My loan originated with XXXX and I have no verified proof that this XXXX XXXX XXXX XXXX entity transferred or bought the loan. AES can not seem to explain where they are getting the denial 's from regarding my request for a natural disaster forbearance or regular forbearance. I do not want a promissory note from XXXX as I have this documentation. I need to see the actual verification that XXXX XXXX XXXX XXXX owns the loan and not some flimsy excuse that lenders do this all the time. If XXXX  is an actual lender then I need the actual contact information and number as well and not some vague response regarding AES is not authorized to provide direct contact information. My monthly payment amount is on a modified plan ( {$480.00} ). The private loan is consolidated and was originated in 2007 with XXXX loans. the XXXX XXXX XXXX XXXX address I researched online is XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to XXXX XXXX via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.

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 2021-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ). 



Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on XXXX  My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an XXXX XXXX XXXX XXXX XXXX XXXX I can provide that documentation from the doctor as well.

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 2021-03-31 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: TN

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fcra violations : XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX not mine XXXX XXXX {$220000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Mortgage account Paid Off : 18 % Balance on XX/XX/XXXX Loan Amount {$220000.00} {$270000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$270000.00} XXXX XXXX Original creditor : XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$14000.00} - Payment Info Original loan amount - Balance {$14000.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX LVNV FUNDING Original creditor : XXXX XXXX XXXX XXXX {$84000.00} Balance updated XX/XX/XXXX XXXX {$0.00} Closed 2 charge-offs Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX FAIR XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Names not my : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My loan has been sold at least 4 times since XXXX, I ended up with a Company called mr. Cooper. 

Since XXXX, our insurance company has sent documents to prove that the property has continuous insurance coverage. 

Mr. cooper sneaked the account into insurance escrow, and reallocated additional monthly payment, off and on when one is too busy to catch it. My account should never be escrowed as I pay all taxes and Insurance yearly. 

I have spoken to, at least 20 people over the past 4 years, as at times my normal payment was received, but reported as late or past due, because of the added escrow amount on the standard automatic bill pay payment I had set up with my bank. 

This year, I was determined to bring this stressful deceitfulness to a head. 
I got my insurance agent and mr. cooper escrow representative on the line, I waited from XX/XX/XXXX to XXXX, for all insurance documents to be resubmitted and received with acknowledgement from XXXX in the escrow Dept, who finally promised the escrow flag will be removed from my account, and a refund will be sent. Ive had to make another 5 calls since then to get a response about my refund check. 

It is now XX/XX/XXXX, I still have not received my refund, nor a return call from Ms. XXXX, at XXXX, the supervisor of the complaint Escalation Dept I spoke with her one time only, she confirmed the escrow was removed from all of their various data base, and promised to get the escrow department to send my check promptly, that was since XX/XX/XXXX when I spoke to her, she promised refund will be received by me by the latest XX/XX/XXXX. 
I have been leaving her messages since for XXXX, she has not returned my call. I have been giving the run around for the refund of a minimum of {$1600.00}. Plus I truly believe mr.cooper is a deceitful company that the government must pay very close attention to. Their company is set up so that the left hand has no knowledge of what the right hand is doing, but I believe it is their perfect design to prolong resolving issues, to wear down the consumer. The employees know about their tactics of deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is reporting a fraudulent debt that is not owed to them. I sent debt validation request to the company to provide a signed contract of the alleged debt they sent me a letter which i will attach with a fake address with my name attached. I goggled the address and it didnt come up as a valid address. I have never lived at this fake address that they provided. I contacted the original creditor XXXX XXXX and they stated they couldnt find any information in the system for this fraudulent account. They are reporting this information as a debt owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was approved for a personal loan with a cosigner. During the verification process I and my cosigner uploaded our social security cards, driver 's licenses, voters registrations, military identification, utilities bills with cosigner address that on credit report, incomes, and my phone bill with straight talk which is the only current utility bill I owe on. Pedfed still will not give us the loans and repeatedly requested that I uploaded my social card and identifications that I already uploaded several times. I feel I'm being stonewalled around by Pedfed because they're denying us the loans by repeatedly asking for information that we already uploaded or information Pedfed know we can't produce. For example, Pedfed asked my cosigner my fiancee to upload an utility bill from my prior address that belong to my parents and she not ever live there. My parents address is the address I lived before my fiancee and I moved in together. I called Pedfed and explained this to a bank manager and got no results. I feel I'm being discriminated against by Pedfed using the verification process to deny me a loan by requesting information I sent Pedfed multiple times or information Pedfed know I can not produce because it doesn't exists like asking fiancee for a utility bill from my parents address when she sent them a utility bill that matches up with the same address on her 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 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
They allowed XXXX fraudulent transactions and are actively preventing me from completing my fraudulent claim, so they can keep my money. 

XXXX XXXXXX/XX/XXXX : called to report fraudulent transactions. I was told that I had to wait until the changes actually posted, and call back. 

XXXX XXXXXX/XX/XXXX : The transactions posted, but when I called, I couldn't get a live person on the phone. This content for XXXX weeks, where I called multiple times, and still couldn't get a live person, despite waiting more than XXXX minutes on hold for each call. 

XXXX XXXXXX/XX/XXXX : Finally got through to a live person, who had to transfer me to their Fraud Department. Waited on hold for another XXXX mins for a live person. I was told that they would initiate the fraud claim for the XXXX transactions ( which I received email confirmation that they did this ) and would be emailing me a form that I had to fill out and email back in XXXX  days. I never received the form. 

XXXX XXXXXX/XX/XXXX : called again in the afternoon regarding the form that they failed to email me. I was told that the department that generates the form was closed, and a XXXX message would be sent to the department. I became belligerent, because I only had XXXX days and their failure to send me the form would result in my claim being closed for inaction. 

Wednesday XX/XX/XXXX : Still have not received any form, and have been on hold for over XXXX minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Klarna AB
State: TX

Complaint narrative:
XX/XX/XXXX have reached Klarna last week today, XX/XX/XXXX as they refuse to connect me to a manager to solve issues. I also called last XXXX as they refused to connect to a manager as the reps are clueless. They will tell you to wait XXXX days for someone to call and no one calls. This company is running fraud transactions when I have returned MULTIPLE items and refused to credit my account, continue to bill me when I have informed them repeatedly of these transactions and some over XXXX weeks ago. They continue to debit amounts from my card when items returned and ignore the issue. I have overpaid and paid on items returned months ago as they refuse to acknowledge. All reps are foreigners and speak poor English and don't have a clue as to what's going on and could care less and cant comprehend XXXX. They are aware and poor service with incompetent workers. Refusal to assist. They need to remove their phone number as they refuse to help and direct you to text, go to the ap and never speak with a live person. They should not continue business if they feel like they cant address issues and their illegal transactions. Now they sent me a message and stated it didn't go thru for # XXXX and they never sent it per my bank. They are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I paid the account off in full per what the app said was due. The next month I got a statement for a fee. I called in because I had never been late nor had any fees. I was told I paid a day late. I asked if the fee could be waived because I paid the entire balance showing due on the app. I was told I would be contacted. I was never contacted until 8 months later. I was called and told I had an almost {$700.00} balance. I again explained the entire situation to the rep. i was on the phone with him for over an hour. He even stated the fees on the account were not correct but he wasn't allowed to touch my account. I have been charged fees on fees for something that was paid off. I never received any statements. I always paid what the app said I owed.

Company response to consumer: Closed with explanation