vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: WA

Complaint narrative:
On XX/XX/XXXX and then again on XX/XX/XXXX my bill payment company sent two payments to my mortgage loan servicer. My bill payment company then turned off my bill payment services until one of the two payments was returned to them. On XX/XX/19 I called my mortgage servicer who confirmed receipt of two payments that month, however they said I could only request a refund of one of the payments by e-mailing in a request along with evidence of the double payment coming from my account with the copy of the check or with a bank statement that had to have my bank logo on it EVEN THOUGH they could see they had received two payments for the month.

The payment was made via ACH, so I could not produce a check AND my statement had not yet cut so I was not able to produce a statement. I did a screen print from my online banking to show the payment coming out of my account, but ANYONE in this industry knows I was not going to be able to get my bank logo on the screen print. It's a fraud deterrent to not allow the bank logo to be printed. I explained this to the mortgage servicer on the phone and I got " I'm sorry that's the procedure that is our procedure we have to follow ''. This is an unacceptable procedure that makes it unduly hard on the consumer to get a double payment refunded. 

I e-mailed the required e-mail address on XX/XX/XXXX and asked for one of the double payments to be remitted back to me asap. If this was not possible I asked to be called. I got a bounce back e-mail saying that I needed to allow for 2 business days for my inquiry to be addressed ( attached as Exhibit A ). 

I never received the phone call AND I was not responded to until a FULL 13 BUSINESS DAYS LATER - XX/XX/XXXX. I was told my double payment would not be returned as then the loan would be past due for the XX/XX/XXXX payment ( attached as Exhibit B ), and that my case was closed ... 

As a consumer, I HAVE BEEN HARMED in several ways. My bill payment services were shut off until I refunded my bill payment company one of the two mortgage payments. ALL my other payments due were NOT MADE causing all my other credit payments to be made late. I had to charge on my visa the amount of the mortgage payment so I could get my bill payment services turned back on, which means I had to pay interest on my credit card. 

I am beyond disappointed and horrified at this mortgage loan servicer and how they have treated me as a customer and consumer.

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 2019-07-23 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: FL

Complaint narrative:
I was an Equifax customer in 2017 when my personal data was breached unlawfully by someone outside the Equifax system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX . XXXX # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, CA XXXX Not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Not my address * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Company name : Square. inc. ( Squareup ) My ID : XXXX Account name : XXXX I was small business owner planed to provide online divorce service as XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX, Registration # : XXXX. 
The business closed by Square. They hold my money without reasonable reason. They said their decision is final will never release my money to me, but refund to customers. 

The total stolen my money by Square is {$18000.00}. It's been 4 months already. Today I asked my money again with XXXX. They declined and told me their decision is final they will not release my money to me but they will only can refund. 

3 customers ordered for divorce services and paid court filling fees. These money hold by square with no reason. I contact them to release the money but they denied. 

I could not process legal service without money. I had to refund them from my own money because Sqaure hold the money. I had not enough money and it is these guys responsibility I used my owned credit card purchase using square to refund money to customers.However, It failed because these square people hold this transaction again. 

This square company greatfuly hold my credit card purchase too. And this their good reason to hold this money forever. I found out alot of square small business customers having similar issue. they never release money. and they use these money to but other company ( please XXXX square complain and acquisition ) Right after I complained about the holding. They distinctive my account. There were no record left. All my {$18000.00} was gone. I contacted them so many times then the account appears again. They intentionally tried to get my money because I guess my email account is foreign and it is easy target. 
They are holding my money without no reason ( there are no charge back ), dis-active, keep denying because I am sure they discriminate. This is illegal irrational and impossible happen in human world. 

I am keep asking my money back since fist day but the customer service is asking me to refund. I know and these square people know I can not refund these money because refund means loss all the money. I already refund them using my owned money to customers. Square know I will never refund.That 's why they are so bravely holding my money and keep use my money to something else. 

Help. I need my money back. Business closed. I am personally and financially damaged by square.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
This company is harassing my family about my loans. They declined to work with me when I lost my job. I called in XXXX to try to make a plan to help pay for my loans while I was unemployed and they refused to help. Since they wouldn't work with me, I was unable to pay them for 3 months. Now they are harassing my sister with phone calls. I never gave them her phone number and I have no idea how they got it, and that is VERY disturbing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: CA

Complaint narrative:
For weeks this supposedly debt collector has called me an enormous amount of times & have left multiple threats to sue & garnish my wages. They call from many different number some unknown and disconnect there numbers as they go. They claim they are representing ACE CASH EXPRESS but have yet to mail me legal documentation instead they keep emailing me supposedly proof of debt. I just received another voicemail that I have transcribed below from their dispatch office. Its a bit fragmented but you can clearly see the threats ( please see attachments ). I also  have all their numbers and information they have given me to contact them and pay. 

Calling themselves Office of XXXX XXXX Called me this morning from dispatch office XXXX Told me to contact ACE directly to get proof which was not their number which is XXXX Then told me to call the legal office to sort this matter XXXX I also attached the supposed debt that I owe. The loan was for XXXX originally from ACE EXPRESS but they told me there are processing fees that o have to pay. Please do all you can they are threatening to come to my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
CEASE COMMUNICATIONS AND REMOVE ALL CREDIT REPORTING OR BE SUED. FOR XXXX XXXX AND MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: MD

Complaint narrative:
On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate errors on my report, and send the corrections to me within 30 days. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
On Tuesday, XX/XX/2019 I called Synchrony Bank because I viewed on my credit report 4 hard hit inquires & the only recent credit I received was " Care Credit ''. I was transferred to " XXXX '' in the " Fraud Unit '' in XXXX, Arizona. He was professional and took his time to try and resolve the matter informally. After " XXXX '' advised me he couldn't locate any inquiries, I respectfully requested that since the hard hit inquiries were not able to be verified and made for permissible purposes that all inquiries be removed from my credit report. XXXX told me that he was going to contact a different department and get instructions. When XXXX returned he advised me that the inquiries were not able to be located and that I will need to contact the credit bureau 's. I advised XXXX that I did previously and they told me to contact the creditor. I will not continue to go in circles and have my credit score be reduced by 6 points. If Synchrony does not remove the following hard hit inquiries from all credit reports I will file a law suit in small claims court for Synchrony knowingly & willingly violating my rights granted to me under the Fair Credit Reporting Act ( FCRA ). 

Hard Hit Inquiries XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Cc : XXXX County Court House XXXX, Montana 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 2019-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested that Experian provide me with all methods used by Experian to verify that this account is correct, the original bill with my signature, services provided and detail billing for the services and the name of the attending doctors ' name and address. I requested that Experian provide all methods used by XXXX XXXX XXXX to verify this account as being accurate

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 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I signed into XXXX XXXX to check activity. There is a Hard inquiry on my report made by Synchrony Bank on XX/XX/2019, that says its about XXXX XXXX XXXX/XXXX. I have no idea what this is! I have tried calling every phone number I could find for Synchrony Bank and can not get a live person. They want account information or my social security number. I will not provide my SS number over the phone to a recording system, and obviously I do not have any account information because I am not the one that has tried to or have successfully opened any credit cards or bank accounts. After attempting to contact Synchrony Bank, I called XXXX directly and they informed me that they are unable to remove it or help without me contacting the bank directly. I informed them that I have already taken those steps. The only thing they could do was to put a lock on my credit account so no one can access or do a check without my consent.

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 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
American Honda Financial failed to provide me with rights to reactivate the contract. The agent seemed to have less patience and willingness to speak upon finding out we were XXXX American. Under the terms of the lease based on California State Law for Equity in real colleterial, I was entitled to As the recipient and executor of the Estate I was entitled to take over the vehicle contract. American Honda received notification but chose to ignore the will or my right to exercise the contract. Then they told me I had no  rights with the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a car loan with Wells Fargo Auto Finance. I paid off the principle balance on the loan on XX/XX/2019 at a Wells Fargo banking center. I was advised that I had a remaining balance of {$2700.00} that I needed to pay before Wells Fargo Auto would release the title on the car. It was also explained to me that the vehicle could not be repossessed for late fees only. It was my intention to make monthly payment on the late fees, however, due to a personal matter I was unable to do so. However, I rest assured with the knowledge that the vehicle couldn't be repossessed. 
On Saturday, XX/XX/2019, my vehicle was repossessed by Wells Fargo Auto. When I contacted their redemption department on XX/XX/XXXX, I was told by a representative that I had a principle balance of {$4.00}. I was then transferred to the Office of the President where I made a complaint. On XX/XX/XXXX I received a call from the Office of the President and I was told that my vehicle was repossessed because I had a principle balance of {$4.00}. The gentlemen said he would review the conversation that I had on XX/XX/XXXX to confirm what was said during the conversation. To date I have not heard anything from Wells Fargo Auto.

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 2019-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The problem is the credit card issuer Comenity Bank, and XXXX XXXX XXXX. 
The company is causing my credit score to not decrease or stay the same with ever payment I make. Every payment I make they lower my credit limit to keep my credit utilization percentage high. 
XX/XX/2019 my credit limit was {$1300.00}, I owed them {$1100.00}, I made a payment of XXXX on XX/XX/2019, brought my balance owing to {$800.00}, I was working on getting my credit card amount down, and decrease my utilization percentage to raise my credit score, Comenity lowered my credit limit to {$850.00} so on XX/XX/XXXX my utilization was 89 % I made a XXXX payment, and on XX/XX/2019 it went up to 95 %, with no purchases made. 

In XXXX I made multiple payments XX/XX/2019XXXX XXXX XX/XX/2019- XXXX My Credit limit was XXXX on XX/XX/2019, I made payments of XXXX, It states I made payments of {$77.00}, I owed {$800.00} and my balance was not {$730.00}. They again lowered my credit limit from XXXX on XX/XX/2019 to XXXX on XX/XX/2019, making me stay at 95 % utilization. 

In XXXX I made another payment XX/XX/2019 of {$45.00} and another one XX/XX/2019 of {$40.00} Said they got a payment of {$23.00}, which lowered my balance from {$730.00} to {$700.00} They again lowered my limit on XX/XX/2019 from {$770.00} to {$750.00} on XX/XX/2019 making sure they keep me at the 95 % credit utilization percentage In XXXX I made a payment XX/XX/2019 of {$45.00} They claimed I made a payment of {$28.00} My balance was {$700.00} and was lowered to {$680.00} Again they lowered my credit limit from {$750.00} XX/XX/2019 to {$720.00} Again keeping me at the 95 % utilization This company has to be investigated, look on their XXXX page, i am not the only one that this company is hurting, and this is allowed. 
Please help me get this taken care of, this is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
We purchased a car on XX/XX/XXXX from Santander Consumer, USA. It was a 2006 XXXX. 

In XX/XX/XXXX we voluntarily had the car repossessed due to job loss/income loss. 

After the repossession we never received anything from Santander indicating we owed on the car. It was not until XX/XX/XXXX that we received our first notification that we allegedly owed a balance of {$9000.00}. 

We then requested the following information to three different collection agencies ( the account was sold on several occasions ) and cc 'd Santander Consumer USA. None of the following information was ever received : The original contract from Santander The agreement giving them a security interest in the car The agreement giving them the right to sue for a deficiency after the took the car Proof of assignment of the debt Proof that our rights to redeem the car was sent and when we could have done that Proof of our right to reinstate the loan and when we could have done that had we chosen to If the car was sold at a private sale, the sale date If the car was sold at an auction, the date, time and location of the sale and A calcuation of the deficiency balance ( or surplus if applicable ), including a description of the fees and charges. 
We also never received proof that Santander sold the care in a " commercially reasonable manner. '' The original loan amount of the car was for {$10000.00} minus a down payment of {$1000.00}. 

At the time of the voluntary repossession the fair market value of the car was over {$7000.00} as it was in decent shape. Therefore, we have no idea how we could owe over {$9000.00} on a car that we did make payments on for almost 3 years and at the time of repossession was worth over {$7000.00}. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2019. COMENITY BANK, XXXX XXXX, XXXX, OHIO,XXXX. This bank issuing XXXX credit cards using XXXX XXXX XXXX, XXXX XXXX XXXX , SD,XXXX. Both in tendon uses XXXX  XXXX XXXX XXXX XXXX, GA.People with credit problems are applying for major departmental stores like XXXX, XXXX, XXXX, etc.through them using identity thefts.please investigate their operation ASAP.my wife has became victim of their operations.If they are allowed to continue lots good people will be victims of fraud and identities thefts.please act ASAP as a consumer financial protection in public interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Qvc credit inquiry fraudulent. Please remove

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