vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Happy Money, Inc.
State: FL

Complaint narrative:
I opened a personal loan with payoff a few years ago during some financial hardships. I have regularly made payments and then realized I was being charged extra interest and had fallen victim to a predatory loan company. I started struggling to make payments during 2020 as I lost my job during the covid pandemic. I am currently working again and need to catch up on payments. Now I am being harassed by the company and have received over 300 emails for debt collection. They are sending an email every 10 minutes for weeks. I cant even use my email address anymore and I am suffering anxiety and panic attacks. I have to begin counseling next week and am having serious mental and physical health issues due to this company. I want them to cease all contact with me and I will pay what I can if I can when I can. Or I will be filing a civil suit in court and take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I paid the debt of {$840.00} with debit card ending in XXXX on XX/XX/21 to Ad Astra Recovery Service phone number XXXX. The day I paid, I specifically informed the representative named XXXX XXXX that I needed to get this off my credit report because my lender instructed me to pay some of my debt off. I made it clear I needed this off. She said that the phone call is being recorded after she told me she couldn't give me a letter stating that this would be deleted from my credit report. I said its her word against mine I need something saying its going to be deleted from the credit report. She then stated that I would receive something in the mail indicating that I paid. Well here we are over two whole weeks and have not received a receipt. Then I find out today they have the wrong freaking address so I had to provided the updated address. This entire time they were being extremely sarcastic with me so I hung up on them after I obtained the information needed. This must be deleted from my credit report asap. I had another debt larger than this amount and they deleted it in a timely manner. I know it can be done. These debtors or whatever they are called are very deceiving and divert from the issue! If my explanation isn't completely understandable, please do not hesitate to contact me. My phone number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was in XXXX branch of capital one bank to withdraw a cash of {$500.00}, to make a purchase for my business in XXXX store near XXXX.I would have made my purchase with my debit card but unfortunately I left my card at home. As I was filling my teller for withdrawal the teller attending to me made a call through to whoever, that I have a ppp loan deposited in my account. I was called immediately from capital one fraud prevention unit by one XXXX XXXXshe gave me an email address and asked me to forward my XXXX tax return. I did sent it the same day XX/XX/XXXX. The morning of XX/XX/2021.I got an email from capital one bank stating that my account has been restricted. I have a balance of {$7700.00} in my account. I have been calling the number that was on my email, but it was never available. I went back to the XXXX branch of capital one on XXXXaround XXXXBecause I needed to know what is happening, why the bank wasn't talking to me and my account was restricted. I was given another number to call. by the teller. The number was on hold for more than 2hrs until it got cut off..I pray CFPB to intervene on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX and I went to prison on XXXX and I was released XXXX of XXXX. XXXX XXXX  XXXX sent me and filed with the credit bureaus that I owe {$560.00} to Citi and XXXX. I blocked my card at a Citi bank and was told no charges would be allowed on the card until I reactivated the card. I did this because I was going to be in prison and I did this for this exact reason. I contacted XXXX and they told me the card was used and someone paid some of the balance through XXXX. I did not authorize this and the card was locked. I don't know how this happened, the card was locked. When the card was locked in XXXX XXXX I had a limit of {$2000.00}, a credit of {$5.00} owed to me and rewards in the balance of {$690.00} which Citi never returned to me. I have sent paperwork to Citi and XXXX to show that I was in prison and I had locked my card but nothing has been 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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/21 I went into my bank which is Suntrust Bank to withdraw funds from a wire that was from a client for in the amount of {$50000.00}. It was a new account. And Ive had a long relationship with Suntrust with no issues whatsoever until now. They froze my account. Would not tell me why and I had to find out through multiple calls through the wire department. It was because the sender who happened to be my client accidentally sent himself as the beneficiary. XXXX XXXX  has electronically reached out to Suntrust confirming the wire as well as the sender. I was told they are in the process of closing my account and have sent me mail as of XX/XX/21 but I have yet to receive it. Ive requested to have them release my funds as soon as possible but have not been helpful at all

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 2021-05-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I went to prison on XXXX and I was released XXXX of XXXX. Midland credit Management sent me and filed with the credit bureaus that I owe {$560.00} to XXXX and Midland. I blocked my card at a XXXX XXXX  and was told no charges would be allowed on the card until I reactivated the card. I did this because I was going to be in prison and I did this for this exact reason. I contacted Midland and they told me the card was used and someone paid some of the balance through XXXX. I did not authorize this and the card was locked. I don't know how this happened, the card was locked. When the card was locked in XXXX XXXX I had a limit of {$2000.00}, a credit of {$5.00} owed to me and rewards in the balance of {$690.00} which XXXX never returned to me. I have sent paperwork to XXXX and Midland to show that I was in prison and I had locked my card but nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XX/XX/2021 : A door to door sales man came to my house and asked if I would like to try XXXX internet service for 30 or 90 days for free ( I do not recall the stated trial period ). I told him I was happy with my existing provider. He said that I do not need to give up my existing service to try XXXX. They would just mail me a modem. I allowed him to send me the modem. 

About 1 week later, I received the modem but did not remove it from the box. I did not try the service. The modem remained in the box. 

XX/XX/2021 : I received a late bill from XXXX XXXX XXXX XXXX XXXX stating I have a past due balance of {$60.00} plus additional charges for the current month {$58.00} for a total of {$110.00}. 

XX/XX/2021 : I received another late bill notice for {$170.00}!!! I telephoned them to inform them that I have never used their service and the modem remained in the box. They provided instructions for me to return the modem which I did, following the instructions to return the modem to a XXXX store. I kept the shipping receipt with tracking number as proof. The modem was returned to XXXX on XX/XX/2021. 

XX/XX/2021 : I received another Past Due Notice for {$110.00} from XXXX 
XX/XX/2021 : I called them and explained the details above. The person said she will take care of the issue and to please allow 7 to 10 business days to resolve the issue. 

XX/XX/2021 : I received a Collection Agency ( Sequium Asset Solutions , LLC ) notice that I owe XXXX XXXX XXXX XXXX XXXX {$110.00} dated XX/XX/2021. They wrote that I have 30 days from receiving the notice to resolve the debt issue or they will obtain a Judgement of the debt and a Negative Credit Report will go to my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
I get notifications on my phone any time a withdrawal is taken from my direct express card I pay all of my bills with this card and I also shop online with this card, all of my purchases and bills are the same every month so my question is why would they allow a purchase from somewhere I never shop to go through and on top of that they let it happen not once or twice but 3 times and after the first time when I called and complained about it I never got my money back and it has happened twice since then. Today XX/XX/2021 is the first time I actually read the terms and conditions and It says that they would freeze the card if they suspect suspicious activity, well if thats true why didnt they freeze my card when they saw these purchase on my account especially when I called and complained that I didnt make this purchase the last time this happened was XX/XX/2021 about two weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: MN

Complaint narrative:
I took out a loan for {$1000.00} on XX/XX/XXXX from American First FinanceXXXX Bank. Bi-weekly payments of {$77.00} starting on XX/XX/XXXX. I made the first payment on XX/XX/XXXX for {$77.00}. The next payment of {$77.00} was due on XX/XX/XXXX, but couldn't make that payment. Instead I made a double payment to cover the XX/XX/XXXX AND the XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$150.00}, to be caught up. My bank account was debited twice for {$150.00} on XX/XX/XXXX for a grand total of {$310.00} One of the {$150.00} payments that was debited twice was returned back to me. Now on XX/XX/XXXX, the company attempted to debit my account for {$77.00} via my debit card. They state my account is past due, how is this even possible when my next payment isn't even due until XX/XX/XXXX? Something is not right here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
( brief ) Today, I received a call from XXXX. She didn't identify herself and immediately was asking me to confirm my identity. She asked to confirm my name? ( she provide it XXXX. I inquiry about reason of the call. She said she was from XXXX and proceed to ask about my last 4 of my Social Security? XXXX she provided the numbers ) I didn't confirm, instead I asked her about who she was and reason of the call and I continue asking. She hung up. 

I contacted XXXX, they clarify she was impersonating an agent ( they didn't call me XXXX. He gave me some recommendations. I decided to file a report to the Federal Trade Commission and followed their recommendations. I contacted XXXX  and then I did a number search. The XXXX is showed under AMSHER COLLECTIONS. Location : XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX. Phone : XXXX. I decided to review my XXXX  credit report and for my surprise, I find it under Inquiries : AMSHER COLLECTIONS. I filed an FRAUD ALERT. PLEASE, BE AWARE!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been working with chase card to dispute a charge because XXXX charged me for non satisfactory reservation that was canceled due to unethical compliance from their side and to the fact that they provided a reservation that is very awful and the agent was fraudulently giving information. 
I tried to dispute the charge and have been going back and forth between XXXX and Chase one pointing to the other. 
I took every step to cancel the reservation professionally and decently but both Chase and XXXX are lying to me and not taking my concern seriously. I provide all necessary pictures and communication to proof the fraud and sent all texts and emails to both companies to show how the seller had or is fraudulently trying to rent us a messed up room and make the money off the scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Imagine struggling as a single father of XXXX, all the while owed thousands of dollars because of company 's negligence and non willingness to correct their errors. Imagine calling a company hundreds of times only to be ignored. Imagine feeling rage and hearing dark thoughts because the constant sadness caused continues to hinder the improvement of related circumstances and financial stability. In my XXXX  years this would be considered the most angering, neglectful, and disrespectful action I've personally ever experienced by a company especially a lender. On a statement as well my records indicate on XX/XX/XXXX I had accumulated {$10000.00} in my escrow balance. This balance is also not including, XXXX, XXXX, XXXX payments with monthly escrow payment of {$770.00}. Basically it seems they lost thousands of my dollars during one of their failed alleged servicing transfers. XXXX/DovenMuechle has made countless mistakes the entire time of servicing my loan. One of the main issues being how I was, and still being charged monthly for taxes at a XXXX rate though I proved many times the appraisal had been adjusted. I have countless complaints I want handled in a court but for now I just want the money they have stolen, causing the new servicer to also create a negative account. I have hundreds of inquiries, complaints, phone calls, federal complaints but no at these lenders is being held accountable for neglect. The company has sent me completely inaccurate information, has deleted sensitive and critical data, and refused to resolve these issues though several employees including management has claimed a mistake they made on their end. This all has taken place during the loss of my job due to the early stages of the pandemic. Those finances could have been used for the wellbeing of my family. I have every intention to take all of these circumstances to the court as soon as I'm financially possible. This is a severe violation of every lending law and my rights. This is called discrimination and predatory lending. This is very clear violation of the law. Statements will be attached. 

Escrow Balance : XXXX Statement XXXX Last Stmt ) - XXXX - {$10000.00} XX/XX/XXXX - {$11000.00} XX/XX/XXXX - $ XXXX Escrow Payout : Total - ( XXXX ) * XX/XX/XXXX - ( - {$2000.00} ) Insurance XX/XX/XXXX - ( - {$5700.00} ) County Taxes Owed to me ( {$5600.00} ) The problem is also for the unapplied payments for ( XXXX, XXXX, XXXX XXXX As of XX/XX/XXXX my servicer has been transferred to XXXX XXXX and XXXX was attached. 

As of XX/XX/XXXX XXXX has stated upon a call they sold my mortgage in a few short weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
I'm not able to withdrawal my crypto ( Virtual Currency ) because I'm not getting the verify emails to withdrawal. I get all other email and I've whitelisted all Binance.US emails. Binance.US is the only problem not receiving the emails. First email to Helpdesk : XX/XX/XXXX to report this problem, Ticket # XXXX. XX/XX/XXXX Binance.US responses : whitelist the emails. ( done ). XX/XX/XXXX 2nd response via email & XXXX ( NO RESPONSE ). I stated maybe the problem is with their Email XXXX XXXX ( XXXX XXXX XXXX ), an email delivery service, to send withdraw verify emails. XXXX will mark an email address inactive and will not send future emails to the email address if the address has had at least 1 delivery error in the past ( Commonly referred to as a Bounce ). XXXX XXXX issue Link : XXXX : XXXX I emailed and posted on twitter for status update on XX/XX/XXXX NO RESPONSE. Posted on XXXX for status update XX/XX/XXXX NO RESPONSES and today XXXX. 

XXXX : IDs :@XXXX  / @ XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NY

Complaint narrative:
To whom it may concern i have 3 hard inquries from XXXX  which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX Inquiry from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.

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 2021-05-28 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: MO

Complaint narrative:
The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX  {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. XXXX XXXX {$810.00}

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