vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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: CA

Complaint narrative:
I recieved a email from legalcorp on behalf of XXXX XXXX telling me i applied for a loan online which i have but have never been approved for any type of loan online i have recieved a payday loan a couple years back but only for XXXX dollars and i admit have failed to pay them back. But in this email im told if i dont respond today im going to be sued for quadruple what i recieved if this is about the payday loan but again email states i applied online .i attached the email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: TX

Complaint narrative:
D2 Management Representative from XXXX called me on XXXX at XXXX CST and Gave me my last 4 digits of my SS and the company name where i work. They then said I owed +/- {$550.00} on a pay day loan that they claim i used my check stub and applied for it on my account at XXXX XXXX . Number one i have never had an account at XXXX XXXX. Number two i have never EVER taken out a payday loan in my entire life. When I attempted to explain it to the lady she argued with me and said i was not correct. I asked where she got my last 4 digits of my SS and she would not answer. I then explained that i never had an account at XXXX XXXX and that i never took out a pay day loan in my life. She again said that i was incorrect. I asked for her to send me the documents showing this and she only wanted to know how i was going to settle the debt. I told her it was not mine and I was reporting them for Fraud and hung up. She also claimed, when i asked where she got my last 4 digits of my SS number, that she was recording the conversation for training purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My name is XXXX XXXX. I have an existing complaint against Wells Fargo Bank. Well Fargo allowed another person to open accounts, recieve debit cards, checks, change my account information. All this was done during an investigation of fraud I made on my accounts. 
Wells Fargo initially told me, law enforcement, experian, and the XXXX I stole my own money and they investigated this several times and I did this. I reported Wells Fargo to the Executive office of Complaints who also claimed there was no fraud and I stole my own money. I then reported them to your office. Low and behold they have now sent me a letter telling me the accounts are not mine and I did not open them. Wells Fargo is only paying me for what they allowed to happen the month of XX/XX/2020. I called and asked them about the remainder of the missing money, fraud. Transfers and why they will not cooperate with law enforcement. 
Wells Fargo is claiming I have to file a new claim for the rest of the fraud. I submitted this all to Wells Fargo from the beginning. Why are they picking and chosing what they get to claim as fraud. I am still out over XXXX XXXX dollars. I still have the person in my accounts. Wells Fargo gave this person and still is my information. They only gave me a portion of my money back because I reported them to this office. 
Wells Fargo is the most dishonest bank. This person has stolen my life. I am XXXX. So thats why I dont get my money? 
I have begged Wells Fargo to talked to my investigating officer. I have tracked the person who I think it is. He can not do anything without their help. 
They tell me they don't do investigations. This is never going to end if the person is not caught. I cant even open a bank account. I want my money. I live XXXX check to XXXX check. We can't run our buisness and they are still refusing to help me. I dont understand Wells Fargo is breaking the law as bad as the person who has my identity. They have and are stealing blind from me. They are continuing to let my identity be stolen. I truly believe this is an inside job. Wells Fargo purposly has given out my information and they will continue to do so. I cant stop them. 
Please help me. My investigation officer is XXXX XXXX. XXXX XXXX County Wisconsin Sheriffs Dept. XXXX XXXX XXXX. I cant afford Wells Fargo I cant afford to hire an attorney. This is completely wrong. NOONE from Wells Fargo will help me. I just keep finding more and more money missing and more and more accounts open. When I call them. They won't tell me anything. 
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 non-monetary relief
Consumer complaint received 2021-02-04 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: TX

Complaint narrative:
XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : DEPT OF EDXXXX {$0.00} Closed 12 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Transunion : XXXX  XXXX  {$23000.00} Balance updated XX/XX/XXXX XXXX late payments FCRA violations never late XXXX XXXX {$0.00} Closed 12 late payments FCRA violations never late fix it or remove it Base on the information found please remove these accounts : XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$1100.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$23000.00} Date Opened0XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Account Name U.S. DEPARTMENT OF EDUCATION Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax : DEPT OF ED/XXXX {$0.00} Closed 12 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment XXXX : XXXX XXXX {$23000.00} Balance updated XX/XX/XXXX XXXX late payments FCRA violations never late DPT ED/XXXX {$0.00} Closed 12 late payments FCRA violations never late fix it or remove it Base on the information found please remove these accounts : XXXXXXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$1100.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$23000.00} Date OpenedXXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Account Name U.S. DEPARTMENT OF EDUCATION Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report for XX/XX/2020. These multiple inquiries in XX/XX/2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XX/XX/2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XX/XX/2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Can you please look the attachments XXXX, XXXX and transunion? Listen, Im a little concerned because I received notification since XX/XX/2020 when I called this original creditor XXXX XXXX XXXX card and they mentioned that they did their investigation and noticed that Im not LIABLE for this account and theyve ordered all the major credit reporting agencies to DELETE this tradeline from my credit report as shown on the screen of a letter I received from them. Why are you still continue to report this account on my credit report? Not only Im NOT LIABLE, this account continues to report mullite inaccuracies and I want this deleted effective now. Look, at the pictures below, its reporting 3 different dates of last opened, last reported, last active, different account status, different account HIGH balance, different and inconsistent with payment history, etc.

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 2021-02-04 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: MA

Complaint narrative:
Can you please look the attachments XXXX, Equifax and XXXX? Listen, Im a little concerned because I received notification since XX/XX/2020 when I called this original creditor XXXX XXXX XXXX card and they mentioned that they did their investigation and noticed that Im not LIABLE for this account and theyve ordered all the major credit reporting agencies to DELETE this tradeline from my credit report as shown on the screen of a letter I received from them. Why are you still continue to report this account on my credit report? Not only Im NOT LIABLE, this account continues to report mullite inaccuracies and I want this deleted effective now. Look, at the pictures below, its reporting 3 different dates of last opened, last reported, last active, different account status, different account HIGH balance, different and inconsistent with payment history, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report for XXXX, 2020. These multiple inquiries in XXXX, 2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XXXX, 2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XXXX, 2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX, 2020. These multiple inquiries in XXXX, 2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XXXX, 2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XXXX, 2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony bank closed 8 separate credit accounts on XXXX with no explanation. I have paid more than minimum on all accounts and never missed a payment. My credit score has been holding steady or climbing over the past 2 years as our family has grown and we have been using these accounts to help finance furnishing and remodeling our new older home. Losing these large credit lines and safety nets for no apparent reason is going to XXXX  my credit score and our safety net with the Care Credit account is gone. I have read countless reviews now about how heartless this company 's customer service is and due to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am afraid to call and go through all that. Why would they close all the accounts of a good paying customer??

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 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I believe this was apartment rental agreeement i was unable to comply with due to corona 19, i informed the landlord of my position, and informed them of the delay in payment, they refused to give me time, evicted me, and i was not aware of any other payments requested, i have asked for more information about this account, but i just get harrasing phone calls, but no information has been sent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: STATE FARM BANK, FSB
State: IL

Complaint narrative:
As of XX/XX/XXXX State Farm Bank is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. State Farm is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted State Farm today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I was a victim of Mortg fraud XXXX and settle with Ocwen/PHH in XXXX I am still in the house and been making payments on time and no record of a 2nd mortage. 

10 years later Ocwen sold my 2nd morth $ XXXX to a Mortgage Company the 2nd was written off in XXXX. Now i have to pay is this legal. Ocwen sold this in error this was part of my mortg fraud i did not take out a 2nd mortg it was part of the fraud. 
Banks received money for this and this is not fair to come back after 10 years Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
RE : XXXX - ONEMAIN FINANCIAL XXXX XXXX XXXXXXXX XXXX ( E-CASE ) AND RE : XXXX - ONEMAIN FINANCIAL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( E-CASE ) I can not find a better way to address this, as i have never received an Initial demand letter of any kind from this firm in relation to either of these cases. 

The firm did in fact violate FDCPA by filing both of these cases in separate courts and or counties and did so by never ( to this day ) having my corrected address. 

The firm never sent an initial demand notice providing me 30 days for a hearing, they never served me, nor did they serve a responsible party that would convey the signed affidavit waiving my rights and or that legal action was going to be taken against me. Case XXXX signed by " XXXX '' This person is not someone I would trust with my light bill, let alone a debt that is worth more than the vehicle I drive. 

The fact of the matter is that I showed up in court on multiple dates ( RE case XXXX ) to explain that I don't live in XXXX XXXX anymore, and im back in XXXXXXXX XXXX ... .. and the attorney never once stated i was already had garnishments executed against me XXXX RE Case XXXX ) AND that they are trying to execute a garnishment for a company I never worked for initially. 

-Harassing process servers influencing a roommate to sign for me, resulted in me never getting knowledge of the debt. 
-Never getting initial demand notice from collectors at ANY address. Including the newly updated address in the correct county - XXXX XXXX -Multiple attempts to hand attorney my new address when in court cases in XXXX XXXX XXXX try to assist -Communication several times with the firm that Bankruptcy was going to have to be the end result ( when I could afford it ) -The origin of the debt is of unsecured nature However, upon questioning the need for additional funds .One main had knowledge this was a purchase for an Engagement ring that is no longer / has not been in my possession for several years ( my ex fianc did not give the property back and sold it for a lessor value and kept the funds ) -See XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Never did I work there, and you all should have had returned mail for any address associated with that Credit union ( as this was a bank that held a lien for a prior repossessed vehicle ). 

The practices are predatory, and even to someone like me that knows the FDCPA you seem to be able to pull one over on the consumer by slide of hand. 

I tried to even provide this attorney my new address, and it was declined .... I can not believe you are allowed to deal this way.

Company response to consumer: Closed with explanation