vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: MS

Complaint narrative:
I went into loan max XXXX XXXX XXXX XXXX MS XXXX. Once inside I spoke to a woman named XXXX who said she was the manager and been there 9 years. At the time I was dating a woman named XXXX XXXX. Who told me her title pawn was do no later than XXXX on XX/XX/2021. So we agreed that I pay on or off the car and I get the title. Which XXXX stated she can not accept payment without consent adding me to the account XXXX. Which at that time the payoff was XXXX so paid XXXX towards the loan giving me a balance of XXXX to be paid off by XX/XX/2021. However after taking payment from me Ten days later XXXX demands I give her the car back without paying me the XXXX back. I told her she needed to fulfill her obligations. She called XXXX police department and placed Grand larceny charges on me. The officers came out and decided this was now a civil matter case number XXXX. I explained all of this to XXXX who then stated she would not refund my money and I was no longer on the account.This is a very deceptive trade matter. As XXXX took money and will provide no further help. My complaint is she never should have received my funds without grounds of fulfillment. Also the receipt that she provided and said I was on account reflects only my signature in the extended loan section. Please help me get my money fully refunded or the right to payoff and title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/2021 via Priority Express mail number XXXX  XXXX XXXX XXXX XXXX XXXX Fedloan Servicing received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. During the initial 30-day investigation period, Fedloan Servicing was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Fedloan Servicing did not provide me direct verification, proof that sufficiently satisfies their claims, and no response to any of my correspondences. Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Fedloan Servicing by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Fedloan Servicing has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Fedloan Servicing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
Good day dear Madam/Sir I am a citizen and a resident of the state of XXXX, in the XXXX XXXX. 
My complaint is of Citi Bank employees failure to provide me with accurate and true data from XX/XX/2021 - the day I called to close my checking account. 
One of them also waved away my request for XXXX $ US reimbursement of my XX/XX/XXXX, and XX/XX/2021 telephone talks with Citi Bank Customer Service - International call rate. 
In my attached letter is my present demand from Citi Bank.

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 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/2021 I opened a savings account in TD Bank. 
XX/XX/2021 I have sent amount {$20000.00} from my XXXX  checking account with Wire Transfer to my new saving account in TD Bank. 
This amount was returned to me on the same day minus XXXX dollars. 
For translation, I indicated : XXXX XXXX for Wires XXXX. 
Because the bank 's website wrote : " To receive a domestic wire transfer in U.S. dollars, you'll need to provide the sender : This XXXX XXXX number ( a TD routing number that's specific to wire transfers ) Your account number, full name, and address as they appear on your bank account Your bank name and address : TD Bank, XXXX, DE. 
Therefore, I consider it unreasonable and illegal return my wire transfer and hold {$40.00} from me. 
The bank misleads customers, pointing out the wrong information on its website for Wire Transfer. 
I wrote a letter to the bank with a request to return XXXX dollars, illegally received from me, to my account in TD Bank or account in XXXX, from which the translation was made. 
But I received an unreasonable refusal in my legitimate request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX BANK NA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
IC Systems Inc. Put a collection on my credit statement for {$280.00} that is not mine.Called them on XX/XX/21 .They said they could not help me it is my problem to fix there mistake have to send letters to all 3 credit reporting agencies .Bad business practice. wrong 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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX was paid in full. They hired XXXX XXXX  to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to XXXX  Equifax and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this .XXXX  The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have two complaints on the same transaction. ( 1 ) We are being charged for a balance transfer that we never received ; and ( 2 ) the company changed the offer rate even though we initiated the transaction in time and under the terms of the offer. 
We requested a balance transfer from XXXX XXXX XXXX Visa XXXX XXXX on XX/XX/21 in response to an offer of 7.24 % APR. Subsequently, we received a confirmation in the mail dated XX/XX/21 showing that the APR is 12.24 %. In addition, we hadn't even received the funds as expected. We contacted Cardmember Service on XX/XX/21 stating that we still have not received the funds, after confirming with our bank. Cardmember Service said that they initiated an ACH electronic funds transfer. They could not provide an EFT reference number ( I believe they referred to it as ACH Trace Number ). I confirmed our bank details with them, so it was not a mistake on our end. After speaking with several customer service representatives, they informed us that they would research and send us a letter within 15 business days. They also said that they would not offer the 7.24 % APR rate - even though we submitted the request online on XX/XX/21, they did not process the transaction until after XX/XX/21, which is after that rate expired. 
We received the credit card statement on XX/XX/21 showing that they charged our card for the balance transfer on XX/XX/21 at the rate of 12.24 %, yet as of XX/XX/21, we still have not received the funds and they are unresponsive to our requests.

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX was paid in full. They hired credit karma to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to Transunion XXXX and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this XXXX. The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.

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 2021-05-22 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, XXXX of PHH Obudsman states that I disputed my XXXX  Credit Report, in which is untrue. 
XXXX XXXX swore that the information she provided was true to XXXX. Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have contacted my bank to let them know I'm still having the same issues about the lender taking payments from my account. 
I have initiated a stop payment with the bank and was charged {$99.00} for the service but the lender/merchant is still taking payments from my account. 
I contacted the bank to let them know but every time I call no one picks up. I've left several voice messages but still they never got back to me. I want my money refunded from the day I initiated the stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, Director of XXXX Obudsman states that I disputed my XXXX Credit Report, in which is untrue. 
XXXX XXXX swore that the information she provided was true to XXXX Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: FL

Complaint narrative:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.

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 2021-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Nationstar DBA Mr. Cooper has unethical accounting practices to attempt to mislead the courts when a client files a Chapter XXXX bankruptcy repayment. I have been attempting to resolve a matter related to an accounting error in a ledger Mr. Cooper shares with its local attorneys at XXXX XXXX since Fall XXXX. it appears that every three to six months this error in a ledger just continues to pop back at XXXX XXXX to increase fees and attempt to misleading everyone reviewing the finding. I have had to file several complaints with the Consumer Financial Protection Bureau ( CFPB ). Anyone reviewing the complaints will see that Mr .

Cooper has only provided attempts at misleading information to favor them. Just be advised this company knows which states to pull these misleading practices. Review fines paid to the CFPB over the last 10 years, It has been investigated and noted that the accounting system for Mr. Cooper does not accurately account for most bankruptcy repayment cases. See ledgers. 

If compared Mr. Cooper 's attorney could have this matter corrected asap. But it appears that misinformation and additional fees are what both parties want. I have provided receipts dating back to XX/XX/2019. Still, no one at XXXX XXXX or Mr. Cooper is willing to correct this error in accounting. Please compare the realigned ledger with the ledger emailed by XXXX XXXX. You will see that one incorrectly placed line in an excel ledger can cause cascading errors in accounting. 

It is important for all bankruptcy repayment plan clients to review their statements in fine detail for accounting errors and additional charges. 

Attachments : - realigned payment sheet - XXXX reply letter XXXX - XXXX XXXX XXXX ** Please note this response letter was sent to my attorney 's office after I requested the status of correction of errors in the ledger. ** Please review my complaints with CFPB for Mr. Cooper at least two have gone unanswered ( even after 6+ months ) and at least four other attempts to provide misinformation that does not compare with the audio recording of the Mr. Cooper bankruptcy department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I emailed the CEO of USAA in regards to late payments reporting inaccurately on my report. A rep from the CEO office called me and I informed them of the months that was reporting falsely on my XXXX XXXX & XXXX report. I sent my bank statements showing each month and my payment for each each month. Another rep called me and said that they see on time payments for all months except 3. But I clearly sent them my bank statements. The months that are reporting inaccurate are : XXXX, XXXX, XXXX & XXXX of XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
XXXX, and XXXX of XXXX. 
They asked me to fill out and submit a Consumer Report Dispute Form which I did on XX/XX/XXXX and they keep sending me this form without correcting the inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: FL

Complaint narrative:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.

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 2021-05-22 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts, public record and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Chapter 7 Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation