vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
I was contacting two days ago by some type of debt collector law firm and they're claiming to be some type of law firm for some type of payday loan company that's stating that I received a loan in the amount I think it said {$850.00} from them and that I never made a payment on it I have never gotten a loan in my life I do not have any credit whatsoever nobody would give me a loan if I tried but this is a payday loan and payday loans are illegal and North Carolina the state I live in so it's not even a possibility that I could have ever gotten this loan I had applied for some loans a few months back online none of them worked out I was not approved for any of them approved for any of them and this debt collector is very rude and I have told them the situation that I do not know what they're talking about I don't even know who this company is at the speaking of some kind of cash advance company and he is stating that I have got assigned contract with these people which I do not and he is threatening me on a daily basis over this and I want this taken care of I want my name taken off of whatever it is that they've got it on here is a quite from the email of who they say they are representing. 
Note : This notice is provided to you on behalf of ACE Ace Cash Express. And its parent company, and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates ... ... here is the email in which I am being contacted from ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I sent my mother XXXX XXXX XXXX XXXX {$400.00} on XX/XX/21 and {$400.00} on XX/XX/21 to help her pay for her dogs ' medical bills after her dog had to go into a special veterinary hospital in our area to get checked for a XXXX I sent the money through PayPal. Before my mother could send the money to her bank account so that she could pay for those medical bills, they locked her account for 180 days claiming " fraudulent activity '' even though she has used the account for years and was trying to send the money to a different bank account she now wanted to use for PayPal. After she spent hours on the phone telling them the situation, they still refused to unlock her account and told her that I needed to ask for the money to be refunded. I proceeded to do so the next day and found only one option at first, " reporting unauthorized activity '' which I found to be ridiculous but I used their description box to explain that it was not unauthorized and that I needed the money refunded. Their response was to the likes of, " There was no unauthorized activity, no refund will be done. '' I am in the process of trying to contact their customer support directly but they keep hanging up on me even though it is during normal business hours supposedly, it says they are closed and it ends the call. I sent a message through their website and am awaiting a response. While waiting for their response I figured it best to fill out this report since I see this being a necessary step that they may need to be contacted by you guys to get this properly resolved so they aren't taking advantage of people who are simply using their service to send money to relatives especially to pay medical bills that -- can not be held up for 180 days --. Thankfully, we found out from the vet and the tests, that her dog " XXXX '' does not have a XXXX, and even though XXXX is very old ( XXXXyo ) she just has a XXXX  XXXX issue and is getting the treatment she needs now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I contacted Loan Depot by phone on XXXX to question interest adjustment based on early payments. 

Only first names are provided by representatives. I spoke with XXXX and was told that someone would call me regarding my concerns. 

I heard nothing back & on XXXX I tried again and after waiting for some time the call was dropped. I was unable to try again as I have to make contact before work. 

On XXXX I called again & again after a wait of over 15 minutes my call was dropped. I did call again and finally reached XXXX ( a? ). I explained the promise of a follow up to my concerns by Loan Depot back on XXXX & that I had not received a call or email. I also told her of the dropped calls issue. She was able to get her supervisor XXXX XXXX to look at my file. She also apologized for the difficulty I had experienced. She told me that her supervisor would look at this immediately. He did. 
I was told that XXXX XXXX reviewed my file & that I had been credited properly. I was not given the opportunity to speak to XXXX XXXX directly. 

I put to together an excel spread sheet so that I could track my concerns with anyone at Loan Depot. I called again on XXXX. I asked for XXXX XXXX but was told that he would not be available for a couple of hours. I spoke with XXXX who told me that she would submit a research request. About a hour later a phone message was left by XXXX XXXX telling me that the additional payments that I had made were applied to principal balance and that I could call back if I had ay other questions. 

I called back 25 minutes later. I was able to speak with XXXX ( not XXXX XXXX ). 
I explained that I need to talk with someone who could review this with me and resolve interest calculation and proper application of funds to principal. He told me that there was no one that does this. I told him that this made no sense and that the only alternative that I was left with was to file a complaint with the Consumer Financial Protection Bureau. He said that he hoped that I wouldn't do that. I asked if there was someone else I could speak with to resolve my concerns and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Someone hacked my account, chase then closed my account. They told me I could come in and get my funds, I came in 15 minutes later and they said my account had suddenly closed, then they said a check was generated on Tuesday and Id have it by Friday, I called Friday when it didnt arrive and they told me the check had been generated but not sent out, I then called back again and talked to a supervisor who told me that I had been lied to and check had not even been generated yet and that they didnt know when it would. This is now at 10 business days and the amount is XXXX. I have a family of 6 and started a new job I have no money for 2 more weeks because of a check being held. Im late on rent, utililities and cant even afford groceries for my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I called US Bank because they negatively reported this account to the credit bureaus without my knowledge that the account was missing payments. They were sending my statements to a different address so I never received proper notification. I also was experiencing a hardship due to COVID-19. I called US Bank about the credit reporting issue and made a payment to bring the account current. I was told by a manager that they couldnt do anything about the credit reporting. I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when I wasnt contacted about the status of the account.

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 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a Macys account that was closed. Due to my husband job loss. This account was covered up on the insurance benefit that Macys offered. About a claim in 2017. The insurance company approved the claim. However they have not processed a payment because they say they do not get the proper work from Macys. Ill forward the information to Macys Macys sent me a letter. The letter clearly support my claim. Maces and the insurance company is refusing to except responsibility. In the meantime my credit has been severely damage. Please review and advise.

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 2021-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Wake field and Ass. sent text ab out debt Icalled them XXXX. They checked to see if I had an account with them. I Did not. I gave them personal info. They said no account. I called to make sure all iwas ok. They said I owed {$1100.00} to XXXX XXXX XXXX XXXX XXXX. They said I could dispute it. I asked fir debt validation, they ignored me. I called them back and explaned this was not me. They said they made a mistake.I called back to make sure all was over. They brought up the debt owed again. I said this was not me and they said sorry. I do not trust them in what.they told me, that it is over. Now worried I will get a letter of this debt. Will call layer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Unable to access my account online. Lender non responsive in requesting for paper statements. Their website has been nonfunctional for the last couple of months. 

Given my inability to access my account I have no clue my account info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity bank has called my phone nonstop for the last 3 weeks. From XX/XX/2021 to XXXX XXXX. They have called at least 7 times a day from unknown numbers. This is after I told them when to expect their payment. This is not acceptable I can not have my phone ringing 10 times a day for a debt that I made clear when I was going to pay. I also stated many times for them to stop calling from unknown numbers and to leave me alone. They have refused to do so, and have now started calling BEFORE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
I recently purchased some crypto  currency on gemini.com. After putting in {$750.00} I discovered I could not withdrawn my funds, just getting the notification " User Verification Pending ''. I have waited almost a month for them to supposedly " Verify my account. Doing some research online I discovered many others had had this problem and their money was held up indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: LoanCare, LLC
State: AZ

Complaint narrative:
Contacted my lender to ask them why they had stoped AutoDraft with my bank on my mortgage payment which Ive had turned on for the last 5 years, my lender tells me that they looked at some public records and saw that my wife was filing for bankruptcy which is totally inaccurate. My wife has never filed for any type of bankruptcy ever. However, my daughter who have the same name as my wife but shes a Jr. is the person filing for bankruptcy so after I clarified this information with my lender, indeed lender admitted to me that they had made an error on reporting inaccurate information so I asked them to fix the issue and they suggested I file a dispute with the 3 credit bureaus assuring me a faster response through them to fix this error which I did I started a dispute with the 3 credit bureaus but 3 weeks later my lender fought this information against me stating that the information the have is accurate and wont fix their own error even though they admitted to me their error over the phone.

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 2021-03-06 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: CA

Complaint narrative:
I checked my credit this morning XX/XX/XXXX to find out on XX/XX/XXXX I got two hard inquiries that I did not make one from XXXX  department stores the other from XXXX  XXXX on XX/XX/2021 it says they were made I believe my identity has bench hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I opened a Carnival XXXX XXXX XXXX about 5-7 years ago, I paid off a $ XXXX balance about a year ago. I tried using my accumulated fun points, but on XX/XX/2021 I was told by " XXXX  '' the account representative that since the bank had closed my account, I had forfeited my fun points. 
I told " XXXX '' that such terms were not included in my original agreement, and she said " they don't have to, your account is closed. ''

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 2021-03-06 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: IL

Complaint narrative:
My information was exposed by the Equifax data breach and items are still being reported on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: CITIBANK, N.A.
State: VT

Complaint narrative:
I lost my Best Buy credit card and I call them to replace it for me and now they open a new account for me wich i never requested or they run a new hard inquiry on my credit again wich is not normal and this really dropped my credit down. 
I just talk to them on phone a couple of minutes ago and they recognize that it was a mistake and theyre going to work on it. 
But my problem now is that they put a hard inquiry on my credit without my permission and my credit get harmed and dropped 74 points I really went this damage to be repair so I can get my points back because I really have a lot things to do with my credit and now because of this my plans cant work as planned.

Im planning to take this case to court incase i couldnt get my 74 points back. 
I need your advices.

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 2021-03-06 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: MI

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2021 I wrote a letter to Midland Credit management requesting validation for an account they have listed on my credit report, I specifically asked for validation bearing my signature showing that I have ( or had ) some contractual obligation to pay them. I also requested that if validation was not provided removal of all entries to the credit agencies must stop pending the out come of the investigation. As of XX/XX/2021 the validation has not been provided, Midland continue to report to the credit agencies which is a violation of the Fair Debt Collection Practice as well as the Fair Credit Reporting Act, I'm respectfully seeking your assistance in resolving this matter. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My bank account was hacked back in 2018. My bank suspected the fraud and but a freeze on my account. They later mailed me a copy of a fraudulent check that hackers used on my account after getting into my online banking username and password. That account was closed but I had an investigation on it because I had money in my account when this happened. I went back and forth for over a year trying to get information on this and got nowhere over the phone and in person at my local branch. This account and debt from fraudulent activity is now on my XXXX XXXX report. I disputed it with XXXX XXXX. XXXX XXXX never mailed me anything but when I called them to follow up XXXX XXXX is saying the Bank of America verified the account. Just a few months ago Bank of America mailed me 2 checks saying there was an error made by them but this account is still in my XXXX XXXX debt and 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 2021-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XX/XX/2021 Synchrony Bank blatantly closed all Store and General Purpose Visa & Mastercard Accounts with them when I Refinanced a mortgage and Paid 5 of the credit cards with Synchrony down to less than 1 %. I have never been late with any payment and all account are even set up on automatic recurring payments. I refinanced a mortgage and paid off some credit card debt. So my debt to income was actually lower for my new mortgage payment would be lower. 

The same time they closed all accounts they received over XXXX XXXX dollars in payments for accounts ( XXXX XXXX, XXXX and XXXX ). 

The mortgage with XXXX for XXXX had been paid off in full which was a monthly payment of {$890.00}. It was replaced with a mortgage of XXXX with a monthly payment of {$660.00}. 

Again XXXX had not update my report so both mortgage were being shown, I informed Synchrony of this to no avail.

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 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I dispute this and it was remove from my credit report but however it came back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: LA

Complaint narrative:
I recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: UT

Complaint narrative:
Over the last year I have paid two credit repair companies to fix my credit. My credit is at XXXX as of today. I am trying to purchase a home, I was in injured on the job in 2015 and am unable to work, the thousands of dollars these companies took could've helped my housing situation. Most of the items on my credit are closed and some aren't even mine and that is all they were supposed to do is get them removed.

Company response to consumer: Closed with explanation