vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
On XXXX XXXX at XXXX XXXX my account was debited for {$1200.00} from Ace # XXXX ( Ace Check Cashing ) Which to my understanding is in California. I live in XXXX Florida and I have never traveled to California. I have reached out to the institution to inform them of the unauthorized debit from my account and they advise my claim was denied solely on the fact that their associate verified my identity which is highly impossible I have filed an id theift report with my local police department regarding this matter. I asked the customer service team was any video footage pulled regarding the verification their only rebuttal seems to be that they believe there associate did the correct verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}

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
Consumer complaint received 2020-05-29 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: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I am receiving derogatory remarks on my credit score on all credit reports from an account in collections from a company I do not know nor recognize and do not owe {$2300.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
We were approved for a mortgage through Quicken Loans and fully disclosed our financial information and supplied all documents requested on time. On the morning of our closing date, our closing representative called to inform us that our loan was cleared to close and ready to go. Two hours later we received a phone call from a different closing representative telling us that our loan was being denied because they were never informed that our employer was a relative and that goes against their policy of offering loans to individuals employed by relatives. Besides the fact that this policy is very anti- American small business and anti- family business, we actually made this fact known from the beginning with this company. It was no secret. We told our pre-approval representative a month ago, and our closing representative weeks ago that we were taking a job in the family business, and our offer letter that we provided during our pre-approval and our closing both clearly had the names of the family members ( same last name ). We specifically provided this information and asked for reassurances so that this would not be an issue. The offer letter was approved, the loan was conditionally approved, the closing was cleared and we were assured that everything in our file looked excellent. And still, we were denied due to an eregious oversight by Rocket Mortgage of Quicken Loans. They clearly did not listen to us when we provided information and then proceeded to string us along for weeks. Now we lost any chance at getting our house because they waited until the last day to deny and now it will be impossible to find financing in time elsewhere. This was a gross, egregious and negligent handing of our loan and customer service. We recommend not using Quicken Loans, and suggest looking elsewhere to avoid the headache and heartbreak. If I could give zero stars I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan is owned by OCWEN Loan Servicing. Ocwen 's CEO was criminally charged for inside trading and Ocwen purchased PHH Mortgage Services to hide from its bad reputation and place our account in care of XXXX XXXX on behalf of PHH. Ocwen removed from its statements or did not instruct PHH to include a detailed description of the Deferred Principal Balance or Balloon Payment. Ocwen 's statements depict my additional payments as credited to the " Deferred Principal Balance '' payment, which originally began at {$40000.00}. It is now at {$14000.00}. However, Ocwen through PHH now claims that I can not make said payments, ( after challenged ), it states that I can, but that it will not apply my payment as I request. Rather, it will apply it as it wishes and will be identified as Extra Principal, which is NOT the same as an extra payment toward the Baloon Payment. I have made numerous calls and spoken to Supervisors, I emailed the head of the Board of Supervisors and am waiting for a response. A series of changes have taken place. 1. First Ocwen credited my payment as I requested, 2. then after it purchased PHH , it did not. 3. Then after I complained and being told that I can not pay toward my Baloon Payment, it did but only for 2 months. 4. Ocwen/PHH again is not crediting my account as I request. 5. Ocwen/PHH refuses to provide a detailed statement to include my Principal Deferred Balance, Balloon Payment or as they identity if, my " 2nd loan ''. I spoke to a PHH Supervisor and am still waiting for confirmation of correction. I spoke to another Supervisor and I am told that Supervisor # 1 is new and doesn't know much. I am still waiting to hear from Supervisor # 2. Why am I being forced to spend so much time on a matter that should be on my statement? Ocwen/PHH is failing to provide me with an itemized detailed statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: MO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: MO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove 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 2020-05-29 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: MO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove 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 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am receiving derogatory remarks on my credit score / credit report from an account in collections from a company I do not know and do not owe {$290.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue. The CBE group replied to my prior submission and said they will look into this further yet this is still negatively affecting me during these hard times, and reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I contacted these debt collectors and let them know that I recently obtained my consumer credit file and discovered their agency was reporting alleged debts due and owing. Accordingly my records reflect that they were not, neither have they ever been a known creditor of mine. Therefore I respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, and 15 USC1681, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Having issues linking to my pnc account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 i filed with my Bank BBVA a dispute on few items, total amount {$180.00}. Since then i called several times ( even though was Very difficult ), but their response was Misleading & Confusing. It seems to me that they don't want to investigate properly my disputes. Plus when i opened this checking account on XX/XX/2020 it was attached a promotion bonus of {$200.00} if a direct deposit of {$500.00} or more was done by XX/XX/2020, which i did but i never received the {$200.00} bonus. Plus their customer service/website is Very poor. It seems that they don't care about ordinary consumer 's accounts & customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}

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
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I recently get a phone this morning and they didnt leave me a message I called back and it was some company saying that tied in with XXXX which longer in business.the rep claimed that she had all my infomation and she wanted me to verify and she said she had my information which is wrong and my wife I both listen to her .my wife know it was scam she wanted me to pay {$140.00} which is not my debit.i told her that am temporary laid off because XXXX and I cant pay. Anything that she demanded me to pay I told what does understand about I dont have the money plus this my debit.my wife tryed to research the phone number is come up as a scam call and this person is calling from possibly a hotel room.am tried of this scam company calling me and trying to scam me .I want them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I cant link my accont to XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I contacted these debt collectors and let them know that I recently obtained my consumer credit file and discovered their agency was reporting alleged debts due and owing. Accordingly my records reflect that they were not, neither have they ever been a known creditor of mine. Therefore I respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, and 15 USC1681, respectively.

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 2020-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to Trans Union and XXXX. I contacted all agencies about the fraudulent inquiries being reported to my credit report. There was inquiry done by XXXX XXXX on XX/XX/XXXX and by Credit Info on XX/XX/XXXX and I reported both inquiries to Trans Union and XXXX it but it was never removed after both written complaints. I added the fraud alert again for these inquires in XXXX of XXXX with FTC. XXXX and XXXX is still continuing to report these inquiries on my credit report. The inquiries are incorrect and are not mine and are continuing to report on my credit report. I want Trans Union and XXXX to remove the fraudulent inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX our mortgage was paid in full due to a refinance. In XX/XX/XXXX Loancare ( Lakeview Loan Services ) reported a 30 days delinquency for XX/XX/XXXX, XXXX has not corrected my XXXX  and subsequently reported another 30 day delinquency for XX/XX/XXXX despite my account being closed and paid in full with never being late and XXXX claiming the issue is corrected. I am on the verge of losing a real estate transaction.

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 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold childhood toys and sports jerseys on XXXX. I started selling on XX/XX/XXXX and have been active until they locked my account about 5 days ago. I was asked by PayPal to provide tracking numbers for sold items along with a copy of my ID. All of which were provided for my account and should have left my account in good standing. On XX/XX/XXXX, I was notified via email that my account was permanently locked and I could no longer do business with PayPal. My balance from selling on XXXX that is locked in PayPal is at {$1700.00}. I am unable to access that money in any way. I have contacted PayPal the only way they are available right now which is through a live chat on their website. I have spoke to 3 different representatives. All of which were rude, vague and unwilling to help me in any way. I contacted XXXX to see if they could tell me what was going on as I am very confused as to what went wrong in the first place. XXXX told me that it should have been an easy fix on PayPal 's end as there is nothing fraudulent on my account. I am not asking for my account to be unlocked so that I can continue to do business with PayPal, but unlocked so that I am able to transfer my money that was all honestly earned. I have proof of sales for every dollar in that PayPal account. If that proof is needed, I can gladly send it. 
Thank you in advance for taking a look into this for me. I look forward to a reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}

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
Consumer complaint received 2020-05-29 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to connect my bank account with XXXX XXXX 0n XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I initiated a wire transfer for down payment closing costs on my home at XXXX on XX/XX/29 with Discover Bank. I checked that this wire was for closing costs and I did not expect to have any more wire transfers in the future. I called to verbally authorize the transfer, confirmed that it was for a real estate closing, and was asked to upload my Drivers License and a bill or W2 to validate my address. I submitted those documents at XXXX, at XXXX I get an email from Discover that there was unusual activity in my account and they have frozen the account. I call Discover - was on the phone with them for 162 minutes, got hung up on twice from two different supervisors. They told me it was a " business decision '' to close my account, and they need to investigate the funds which will take 60 days. Then they will mail me a check IF they determine the funds are legitimate. I have banked with Discover for 5 years, never any issues. I have NO idea why my account was flagged, closed, and funds frozen. I was relying on those funds for my down payment, and now do not have access to them.

Company response to consumer: Closed with explanation