vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: VA

Complaint narrative:
CASE XXXX - Conn 's XXXX XXXX - NOT XXXXXXXX XXXX - Do not send to XXXX XXXX  Case not relaited to credit card, but installment loan with Conns Billing Address XXXX XXXX XXXX XXXX, Texas XXXX Fax XXXX ( Department in question direct fax number ) Customer Service Compliments or Complaints - ( XXXX ) XXXX On XX/XX/XXXX I called to Conns XXXX XXXX and made an offer of {$1900.00} to settle out the account in full. I explained to them that I would like to use the provisions under the CARES act that allows contract terms to be revisited, I would like to make a final onetime payment of {$1900.00} to close out the account that day in good standing. The accepted the terms and processed the payment. I asked that day and have continued to follow up on the status of closing the account in good standing and sending me a letter stating that the account was settled on for XXXX. Several calls and emails I still do not have the letter and the account is still open accruing interest and requesting a payment due in XXXX. When I call, I am told the letter takes thirty days. After thirty days I called again, and Im told another thirty days. I follow up again and was told it was with the wrong department and they need thirty days. 
As of XX/XX/20 I have been informed that my payment was rejected from the settlement department reason listed as " not paid in full ''. It was explained that this final payment of {$1900.00} was sent to the settlement department and because the consider it to be a concession pay off it needed to be processed with a different department. I have given ninety-eight calendar days and approximately sixty-eight business days for this to be corrected. Plenty of time to at minimum close the account officially and then begin working on sending me confirmation of the closeout.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. Otherwise, please provide me with your documentation showing that this account does indeed belong to me. Please send me copies of the contract used to establish the account with my signature on it. Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.

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 2020-07-17 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:
There are inquiries that were not authorized

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 2020-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are inquiries that were not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Last week, around XXXX, i noticed a strange charge on my XXXX  unemployment card, it was for a gas station in XXXX, i have not been to XXXX  in over 2 years, i called the gas station and they told me to call my bank. The next day there was another similar charge for a XXXX  gas station, i changed my pin and followed the online prompt to label my card as stolen and get another. In the mean time I could not access half of the phone menus because I had no card number, after getting the card I can not get in touch with anyone over the phone, and neithet the app nor the website have a way for me to dispute the charges. 
The website says that customer service is 24/7 but I have been on hold waiting for the next customer service agent for over 3 hours at one time. It seems that either the company, way2go card, does not care about their customers, or someone at the company is stealing the information on cards and then making sure victims don't get through to customer service. 
The total amount of losses is XXXX to XXXX, i cant get anyone to help me figure the fraud out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I contacted American Express Delta Skymiles gold card to cancel the credit card that I have never used or never opened. I have other American Express cards but never opened this account. 

On my statement in XX/XX/2020 there was a {$95.00} annual membership fee. I explained the situation to the agent and told her I have never used the card, opened the card and felt like I should not have to pay a XXXX annual fee. She said that she would cancel the card and waive the fee. A few weeks later, I received another statement and the fee was still showing as due. I called again. The second rep told me the card had not been cancelled and did not see any notes about the fee being waived. I requested the card to be cancelled again and the {$95.00} fee waived. This agent said the card would be cancelled and would waive the fee. 

Fast forward to today, XX/XX/XXXX, I received another statement from American Express Delta Skymiles card, with the fee of {$95.00} on it. There is a note on the statement that the account was cancelled at your request. I have not been receiving statements from them since XXXX so I am not sure why am still receiving this bill when I was told twice the fee would be removed/waived. 

When I spoke to the rep on XX/XX/XXXX, she would not waive the fee stating it was outside their 30-day policy. This is not right and should be investigated as a fraud. I never opened the account in the first place, never used the card, and should not have to pay their XXXX annual fee. Can you please investigate this matter as I have tried to resolve on three different occasions?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
HBSC had reported an unpaid balance under XXXX dollars to the credit bureaus harming my credit. 

I had CLOSED the account two times previously. 

ACCOUNT-RELATED QUESTIONS Please do not reply to this email as the message was sent from an address that is not monitored. If you wish to submit an account-related question electronically, please contact us online through Chat or call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX. 

The source of this email alert notice is HSBC Bank USA, N.A. 
HSBC is located at XXXX XXXX XXXX, XXXX, NY XXXX. 

Our postal address : HSBC Bank USA, N.A. 
XXXX XXXX XXXX XXXX, NY XXXX We maintain strict security standards and procedures to prevent unauthorized access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your Username, Password, or account numbers. If you receive such a request, please call our Customer Relationship Center at XXXX ( HSBC ) or call from anywhere in the world at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: AZ

Complaint narrative:
I reached out to Mid-america mortgage when I learned that my tenant would be moving out of my house in XXXX XXXX. I had a buyer contact me and started lining up a short sale with mid-america mortgage starting the end of XXXX. Mid-America completely botched the short sale twice. The first time they weren't sending the right documents to the buyer and title company, the second time they raised their expected revenue by $ XXXX on closing day and the buyer walked away. This company has been deceptively slow in transactions and responding to me, and when they acquired my XXXX loan back in XXXX of XXXX, I was not able to make a payment for almost 5 months, even when I phoned nobody would take a payment. I fell behind, hence the loss mitigation and trying to get rid of the house versus getting caught up which I can not afford to do, nor can I afford the $ XXXX maintenance on the property, which magically the Mid America Appraiser ignored compared to two other appraisal performed on the property. I believe Mid America is acting in poor faith and is negligent since last XXXX in regards to the servicing of the house and property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. During the second short sale attempt, they constantly misplaced documents that the buyer or myself had to constantly resend them. They originally asked for $ XXXX in revenue and bumped it up on closing day and my buyer walked away. I believe this is a tactic for them to be able to report a higher debt on a deed in lieu of or other public record against me, even though the property was XXXX through a chapter XXXX bankruptcy. I fought to get a buyer to benefit them and they blew that back in my face. They are already netting my Va Loan guaranty and there should have been no reason for them to come back and ask for more money. Now, they have sat on a deed in lieu of application for two weeks with no movement, and just keep " notating '' the account and telling me someone will contact me. Nobody from Mid-America has ever contacted me. This house and this company are adding unnecessary stress to a permanently XXXX combat veteran. I feel like this is the time to have the company have external pressure applied to protect my mental health and to do their job in a timely manner and to prevent them from somehow attacking me on the backend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Years ago i disputed this account that is not mine with Portfolio recovery. At the time i was told they would remove it from my credit reports as it was not mine. Well years later here we are and i am applying for a mortgage and i find out this account is still on my credit reports. This is outrageous. I disputed it with the credit bureaus recently and they have " Verified '' that the account is accurate. I am so mad right now. I need this account that is NOT mine removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: CORELOGIC INC
State: NC

Complaint narrative:
The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.

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 2020-07-17 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: EQUIFAX, INC.
State: NH

Complaint narrative:
I just obtained my free Annual Equifax Consumer Report and there are at twenty-six " soft inquiries '' from " XXXX XXXX XXXX XXXX '' over the past three years ( XX/XX/XXXX to XX/XX/XXXX ). Almost a monthly inquiry and I do not know how long Equifax has been illegally allowing " XXXX XXXX XXXX XXXX '' to be excessively accessing my credit report, when I have NO business with " XXXX XXXX XXXX XXXX. '' I also object to Equifax illegally allowing " XXXX XXXXXXXX XXXX XXXX '' to be accessing my credit report with six soft inquiries in a consecutive sixteen day period from XX/XX/XXXX to XX/XX/XXXX, when I have NO business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am reaching out because I have received 2 phone calls from this company about a debt that doesn't belong to me. I haven't written checks in over 10 years. The first rep asked if the dl number was mine. I told her no. She gave an address that I had never lived at. I am not going to give them any personal information that belongs to me. My information was involved in a breach and they need to remove this debt from me period.

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 2020-07-17 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My original complaint about this agency ( # XXXX ) was closed. Since then, the agency provided me with information as to how they arrived at their decision to continue to list the item in my credit file, a bankruptcy. I have provided this information to validate that the agency LIED as to how they received information regarding the bankruptcy item in my file. A letter from the Court specifically states they do not " perform '' such activities to Credit Bureaus. Giving false/inaccurate information in my credit file is a violation of the FCRA.

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