vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: NC

Complaint narrative:
There was a phone call made to resolve the debt from my phone for a settlement. I was listening in and the rude XXXX XXXX was aggressive on the line stating he wants a payment in full, I asked if they dont settle and he stated, I said it three times already pay this in full. XXXX XXXX obviously has issues with numbers and cant count because he did NOT state anything three times and demanded payment. He gave out the balance on the account without even attempting to verify any piece of information on the phone such as street address, date of birth, or social. Therefore ; my private information was given to a 3rd party without authorization.

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 2020-01-17 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: FL

Complaint narrative:
Please remove account and inquiries from my credit report which I have never had before and do not belong to me. Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Choice Money Transfer, Inc.
State: NJ

Complaint narrative:
I send an amount of {$6000.00} to XXXX from a money transfer store. The name of the store is " XXXX XXXX ''. Address : XXXX XXXX XXXX, XXXX, NJ XXXXXXXX. 

But the lady ( store owner ) closed the business and left the city instead of sending the money or refunding me. She used to send my using Choice Money transfer and her lending company is Small World Financial Services Gropup. Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NJ  XXXX. 

Short History : I went to the store on XX/XX/XXXX and gave {$6000.00} to the business. The lady said it will take few days to send the money as the amount is big. She asked for my bank statement and I provided that. She told me that once, they finalize the transaction she will give me the PIN number. She gave me a printout of my transaction and asked me to wait few days. I believed her as I used to send money from this store from last two years and this kind of transaction delay happened early. 

I followed up on XX/XX/XXXX just after the XXXX day and she said the transaction is still pending. She said same on phone when I called her couple of times. On Saturday XX/XX/XXXX I went to the store and she told me that the money transaction must be cleared on Monday ( 1XX/XX/XXXX ), otherwise she will refund me. I waited till Monday. When I visited the store on Monday she said that their system is completely down, and as that was a holiday week, she needs some times to restore the system. She said that they will fixed the system on XX/XX/XXXX and only then she can cancel the transaction and the refund will be available on XX/XX/XXXX ( Friday ). I had to wait but I got some scared but as it happened to me earlier and she had never cheated me, I just believe that and went to the store on 'XX/XX/XXXX '. But I found the store is closed. I revisited the store on next day XX/XX/XXXX and found the still closed. I spoke with another customer and she read out a notice which was written in XXXX. As per the notice, they will open on XX/XX/XXXX due to system failure. 

I went to the store on XX/XX/XXXX but found that closed. I also saw many people came there to inquiry about their money. But the lady left the city keeping all of us blind. Next day XX/XX/XXXX, I met an agent from Small World Financial Group who are the lender of the wire transfer. That agent told us they will take care the customer. But when I called them they had not received the phone. I called Choice Money transfer but they said they had nothing to do with the store as the lady did not actually made any real transaction. 
I went to the police station and filed a police report against the lady. Her name is XXXX most probably. 
I need help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: Source Receivables Management LLC
State: TX

Complaint narrative:
This the FOURTH collection agency that has tried to collect funds for XXXX account that has been closed for quite some time now. This contract was cancelled by XXXX. I made contact with the other collection agencies and they could not produce a SIGNED and WRITTEN contract between myself, XXXX XXXX, and them. 

I have made contact with this company verbally requesting that they provide a WRITTEN and SIGNED copy of the repayment contract between myself, XXXX XXXX and Source Receivables MNG. I was transferred several times before they disconnected the line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I paid {$90.00} to someone on PayPal for 3 concert tickets. The person who was selling me the concert tickets was a woman, but after completing the transaction, the payment was to a man. The woman stopped responding to me after I paid for the tickets and is not transferring them to me. This was fraudulent on behalf of the seller 's identity and failure to complete the transaction on her end by transferring me the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: FL

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, I believe, that somebody used my personal information and applied for it.

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 2020-01-17 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: FL

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, I believe, that somebody used my personal information and applied for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 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: FL

Complaint narrative:
Please remove account and inquiries from my credit report which I have never had before and do not belong to me. Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-01-17 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: FL

Complaint narrative:
Please remove account and inquiries from my credit report which I have never had before and do not belong to me. Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a notice dated XX/XX/2020 that my account # XXXX has a negative balance of {$40.00}. This account was previously closed with a {$0.00} balance. I went through the proper procedures to close the account and now I am getting this letter. This is ridiculous.

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 monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I have been trying to get this corrected since XX/XX/XXXX. I initially called to inform that I was moving insurance companies and to request the check not to be sent to the current company- that was confirmed. I called again on XX/XX/XXXX to inform of my new home insurance company ; the MSR advised there was no insurance binder she called and was provided and email address. She said she would get information and also update the binder on my QL, which I did. She then told me the other check had not been cancelled and would submit a request and it would take 2-3 business days for me to see the new insurance information. I called on XX/XX/XXXX and spoke with a MSR who advised the information was not updated and that nothing was received. When I advised I had uploaded the documentation she advised I was told incorrect information and it would be a different site ; while the girl was pretty annoyed with me she was able to update the policy and then told me I would need to wait for a escrow analysis and to callback ; I asked for a manager at that time as I had been told previously I would be able to ask the same day and it would take 1-2 business days for analysis. I spoke with the manager on XX/XX/XXXX who requested the analysis and then he advised it would be 3-5 business days and it could not be applied to my mortgage payment. After not seeing anything update I called on XX/XX/XXXX for a MSR to tell me it takes two weeks for the analysis. She transferred me to XXXX XXXX who then told me the analysis was done ; I asked again to have the payment applied he said this could be done and would not contact me unless something happened. I logged onto my Quicken today and they cancelled my homeowners check in error and now I could be at risk for a lapse in insurance thus causing future financial burdens due to a lapse in coverage. I have given more than sufficient time to fix the initial problem and it only seems to be getting worse. I called today to inform, I left XXXX a voicemail and waited til the afternoon with no call. I called and first customer service disconnected, second put me on a silent hold for extended period and third took forever to transfer me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2020 I attempted to send money to someone via PayPal, which I do on every payday. The recipient indicated they had not received a notification and I subsequently attempted to send it again. After the second try, I contacted PayPal who indicated the delay was caused by a negative balance in my PayPal wallet. I proceeded to bring that balance to {$0.00} and the PayPal agent advised me to attempt a 3rd payment to the recipient and that he would cancel the first two attempts. I did so, and then called my bank to make sure there weren't 3 attempts to send money. On the following Monday, all 3 payments were deducted from my bank account. I attempted to work with my bank and with PayPal to resolve the issue and there was no resolution. Since all 3 payments were deducted, my checking account went negative, resulting in an overdraft fee of {$74.00}. My bank also returned a car payment and charged me {$37.00} for a returned item fee. There is also now an additional overdraft fee pending on my account for {$37.00}. My frustration is that I worked directly with PayPal to resolve the potential issue only hours after the first 2 payments to the recipient were attempted. The recipient has now received all 3 payments, returned the 2 erroneous ones to me and my checking account is in good standing, however, I am out {$110.00} for fees with an additional {$37.00} fee pending. I would like PayPal to reimburse me the fees that could have been avoided had they properly cancelled the first two erroneous payment attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: UT

Complaint narrative:
XXXX XXXX / XXXX XXXX is reporting a serious delinquency on my credit report. I tried to resolve the issue with XXXX XXXX when it arose. I was never aware of the charges, nor did I receive a statement. I requested documentation of receipts and never received any. I finally paid the bill. They are reporting that I was seriously delinquent and I have no idea what the charges were, what they were, or whether they were mine. 

According to comments on my credit report 1st delinquency was XX/XX/2018, first reported XX/XX/2018. It makes no sense to me. It was a relatively tiny amount, I have no late payments on any other accounts. 

I am not and was not aware of any charges on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: MI

Complaint narrative:
Blue Trust loans is a complete scam. When I was approved, they quoted my interest rate at 15 % only to find out that it was 600 % after they sent me the loan documents a week later. I called today XX/XX/2020 to payoff the loan and it is more than the actual loan and they charge an early payoff fee.

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 2020-01-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have two paid accounts through : WELLS FARGO DEALER SVCS XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX 1 ) Closed XX/XX/XXXX- Remarks Payment after charge off/collection Settled - less than full balance- This is the first account. On XX/XX/XXXX this company took it upon themselves to change statuses on several dates from XX/XX/XXXX and XX/XX/XXXX that reduced my XXXX credit score by 63 points. If the credit reporting would of been accurately done when account was active or when paid, the work done for the past 2 years to improve my score would of been for something. Now, after 2 years, that work over the past 2 years has been taken away because of incompetent practice or vindictive behavior. There to be some sort of law protecting consumers from egregious practice and reporting 2 years after an account has been closed as paid. 

2 ) Closed XX/XX/XXXX- Remarks Payment after Repossession Paid repossession- This is the first account. On XX/XX/XXXX this company took it upon themselves to change statuses on several dates from XX/XX/XXXX and XX/XX/XXXX that reduced my XXXX credit score by 63 points. If the credit reporting would of been accurately done when account was active or when paid, the work done for the past 2 years to improve my score would of been for something. Now, after 2 years, that work over the past 2 years has been taken away because of incompetent practice or vindictive behavior. There to be some sort of law protecting consumers from egregious practice and reporting 2 years after an account has been closed as paid.

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 2020-01-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian refuses to remove fraudulent addresses from my credit file. I have submitted my drivers license to prove my address. There are 3 addresses on my credit file that do not belong to me!! I've been trying for over a year to get this fixed and Experian refuses. All my creditors have my correct address and Experian is steady saying otherwise. I reached out to all of my creditors and they have exactly what I've been telling Experian that they have.

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 2020-01-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX, and I became an XXXX citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a minority group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I XXXX XXXX XXXX in a XXXX XXXX located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student  loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX , XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the minority status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX , XXXX. I have attached a copy of the repayment agreement with XXXX XXXX , XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX , XXXX.. I respectfully request the associates credit bureaus such as Experian, XXXX and XXXX XXXX to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.

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