vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems contacted me in XXXX regarding a collection account that was sold to them by XXXX XXXX XXXX. I sent them a certified letter requesting they validate the debt. In XX/XX/XXXX, Transworld sent me a bill in the amount of XXXX from a company by the name of XXXX XXXX. According the bill, XXXX XXXX ( not my name ) had electric service at XXXX XXXX XXXX in XXXX, TX XXXX. I have never lived in Texas nor I have I heard of XXXX XXXX. I filed a police report at the time. However, I can not find it and neither can the police department. I refiled the report today. I then learned that Transworld Systems placed a collection account on my credit report for a bill in the amount of XXXX with a company named XXXX XXXX. I have never had an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I paid an additional {$2200.00} as the company said I was short on escrow by that amount. This is due to the fact that in XX/XX/XXXX, they paid me out of the escrow $ XXXX in error because they did not calculate properly. 
On XX/XX/XXXX they paid my homeowners my homeowners never received the payment On XX/XX/XXXX, they paid my homeowners again. 
XXXX in the escrow dept said that the homeowners refunded the double payment, but my escrow account was not credited the {$2300.00}. Only the withdraws are showing. 
On my mortgage statement, it shows {$4700.00} paid to Homeowners On my statement, it shows my YTD Escrow payments as {$5900.00} My escrow balance is showing {$2900.00}. 
If I made a {$10000.00} payment to principal and my XX/XX/XXXX payments are {$760.00}, then how is the PAID YTD on my statement only {$16000.00} which does not even include XXXX - XXXX payments. 
with all of their errors i feel like I am playing the shell game with my money and trying to find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX I closed on a mortgage refinance with Lakeview Loan Servicing. They had sent ( I believe ) a third party to my house to sign the closing documents. I believe this was a third party because she could not answer any questions I had for her. She did inform someone would be in touch with me regarding my payment information. 

This was a refinance of a loan that I already had with them. They had my loan after my local bank sold it to them. On multiple occasions, I have checked my online account with them. I could only see my old loan information. I contacted them on XX/XX/XXXX but was not given any answers to the questions I had regarding my account. I was told that I have a new loan number, but was not given the loan number. I was told that my payment is due at the XX/XX/XXXX of the month, but have not been given an amount to pay and no way to pay it. I asked about getting my online account fixed but they told me that I needed to add my new account number to my account. As well as not knowing the new account number, it seems as if my account is locked. I am unable to access my account online, I can only log in and see the old information, but am unable to open any of the menu options. I am also unable to make a new account, as it recognizes my information when I try. 

I explained this to Lakeview Loan Servicing on multiple occasions. I was told on XX/XX/XXXX that a representative would reach out to me. I have not received any information from them since that email on XX/XX/XXXX.

I am trying to pay my mortgage. I want to pay my mortgage, but I am afraid they will not contact me and will only send me a notice when they can charge me late fees and hurt my credit.

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 2020-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
2 years ago in XXXX i was contacted by an office which they did provide informatio. Saying someone would be at my house to summon me for the money owed to Ace cash express, for the amount of XXXX made plans to have a payment plan of 3 payment money was taken from my account. Now today XX/XX/2020 i again get a call saying i will be taken to court for the amount i refuse to pay. Was told court date is XX/XX/XXXX but was not informed where, if i owed i would pay but i fix that situation. Either with a creditor or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { ALLY FINANCIAL } ran an unauthorized credit inquiry on me on XX/XX/2020. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX  XXXX XXXX and investigate such occurrence.

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 2020-11-20 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: NC

Complaint narrative:
I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went XXXX  and stayed XXXX  for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my XXXX XXXX. my XXXX XXXX, and my financial health.

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 2020-11-20 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: NC

Complaint narrative:
I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went XXXX  and stayed XXXX for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my XXXX XXXX. my XXXX XXXX, and my financial health.

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 2020-11-20 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: Exeter Finance, LLC.
State: IA

Complaint narrative:
I have reached out to Experian on numerous occasions regarding derogatory accounts reporting on my credit file with them. The 2 creditors in reference are XXXX XXXX XXXX & Exeter Finance XXXX XXXX XXXX XXXX is reporting a Original Balance of {$11000.00} Payment Status_ Voluntary Surrender with a Past Due Balance of {$690.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate The Closed Account should not be reporting a past due balance or monthly payment, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file.

Exeter Finance XXXX is reporting a Original Balance of {$12000.00} Written Off Amount of {$11000.00} Payment Status_ Charge-Off with a Past Due Balance of {$9800.00} Status Update of XX/XX/2018 So my argument is : The status update is inaccurate, The amount that's supposedly written off is inaccurate, I never received a 1099C as documentation that the debt was written off, Status Update shows that the account was NEVER properly investigated which are clear FCRA Violations & inaccurate/inconsistent reporting on my credit file.

Also everytime I submit a dispute my credit scores drop due to these disputes which is unfair to me as a consumer challenging various inconsistencies on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
This is a second complaint. Dont waste my time. I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD. At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website www.searahealths.net which claimed to provide me with facemasks. In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States. After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more. This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need psychological help. I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting. Further action : I have reported to XXXX XXXX Police. Case references : XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I told them to just send the balance to my credit report because I couldnt pay due to losing my job. I closed my account and everything. They continuously call all day and from different numbers.

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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a credit card offer from XXXX in the mail for my XXXX year old XXXX XXXX son. I have previously reached out to all three credit bureaus about his age and requested no report or frozen report be established for him.

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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ascend Consumer Finance, Inc.
State: OH

Complaint narrative:
My employer recently requested a background report for employment. I received an email yesterday ( XX/XX/2020 ) from a compliance company with a copy of the report giving your website to contact. On the report it specifically says that it is searching information from the past 7 years. Records thqaaat appear on the report are dated from more than 7 years ago, yet was flagged as a discrepancy and I recently lost my employment due to this. There is also minor items on the record that the dates are incorrect. I am a single mother and just recently received a promotion from my assignment and just finished my training for my new position when the Temp service terminated my employment. I would very much like to dispute the information on the report. If you could please provide me information on how to go about doing so, I would really appreciate it, I understand you receive a lot of complaints daily, but I would really appreciate the possibility of continuing with my employment assignment and promotion.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
During XX/XX/2020, I applied for a loan through Speedycash.com and was approved for an amount of {$250.00}. I was offered two ways to receive this payment - through direct deposit or in-person at a Speedy Cash location. I chose direct deposit and waited to get my payment. After not receiving the funds and contacting them multiple times, I became worried and stopped any withdrawal from them through my bank account. I have contacted their claims department several times sending them bank statements as a proof of not receiving funds. Despite my efforts, they have harassed me every day since then demanding a repayment of {$300.00}. However, I was not given the service I was promised. Now they are threatening to send my account to collections. I have provided everything necessary as proof of not receiving funds and now need some extra help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a credit card offer from XXXX in the mail for my XXXX year old special needs son. I have previously reached out to all three credit bureaus about his age and requested no report or frozen report be established for him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have an account with PayPal which since has been closed and they have been holding the funds for they say 180 days in case they have to cover anything. The account has {$180.00} and is under my email of XXXX I am going through and have been going thru, terrible ID theft and computer hacking. One of the accounts or companies in general was PayPal we are multiple accounts of mine were close by PayPal due to suspicious activity and I was never given any explanation as to why and left to pay balances on transactions I submitted to them as being on authorized. This particular account has {$180.00} in it and I have waited the 180 days and it is impossible to get a hold of anyone or get any information on this funds. I have a separate account as well with about {$400.00} and empathy I have erased the transaction history

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20 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: CA

Complaint narrative:
I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the equifax data breach and probably the wrong person got a hold of my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been a victim of identity theft. A couple of years ago i lost my wallet which contained my id and social security card and my information was exposed in the XXXX  data breach.

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 2020-11-20 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: NC

Complaint narrative:
Transunion - I have sent over 4 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX  - I have sent over 4 dispute letters to XXXX  all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020- XX/XX/2020 Actions Taken By Me : Sent 4 dispute letters to both bureaus ( XXXX  and Transunion ) by Certified Mail Return Receipt to remove inaccurate accounts.

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