vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: CO

Complaint narrative:
I had listed a sofa for sale on XXXX XXXX, but ended up selling it off line to a used furniture dealer. Meanwhile, a prospective buyer, wanted to buy the sofa online, and I notified him that the sofa was no longer available. I never received XXXX XXXX from the buyer, and he received all of his payment back from XXXX. 

Now this AIC collection company is trying to collect what would have been owed IF there had been a sale, which there never was. 
XXXX spoof has been notified, and says my account is in good standing and that I owe nothing. This is obviously a scam and I have discovered many other people have also been scammed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: CO

Complaint narrative:
On or about XX/XX/XXXX I became aware by a vendor pulling my credit that XXXX mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with Equifax and XXXX. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance XXXX reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of pain and anxiety, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

XXXX is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The XXXX loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at XXXX XXXX named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I Consumer XXXX On XXXX I sent in payment via certified mail with postal money order and remittance coupon citing UCC 3-603B to NC STATE EMPLOYEES CREDIT UNION headquarters at XXXX XXXX XXXX XXXX, NC XXXX For credit card account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On or about XX/XX/XXXX I became aware by a vendor pulling my credit that WFC mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with XXXX and WFC. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance WFC reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of XXXX and XXXX, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

WFC is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The WFC loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at Wells Fargo named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named 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 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express has a history of discrimination towards people of XXXX and dont fix fraudulent issues with poor people of XXXX like myself Ive been a victim of fraud and I didnt apply for a Hilton honor credit card and my fraud case was denied due to payments were made and I didnt authorize these payments and I contacted my banks to issues a payment dispute and the bank returned the money back to me since it was fraud and American Express are not accepting my claim again I have filed a police report and send in the documents to them 4 fax numbers they gave me and each time I called them they lost them in transit and I would like for this account to be removed from my credit report I didnt apply for this card all the payments were reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Mortgagee letter XXXX dated XX/XX/XXXX, XXXXPage three ... .states, " Mortgagees must inform Borrowers suffering financial distress that these additional resources may be available through their state. '' However when I speak with representatives at Flagstar, they indicate that they have no knowledge of the HAF. I spoke with representative from Flagstar on XX/XX/2021, XX/XX/2021 and XX/XX/2021. Each time I engaged the representative regarding my intention of applying for HAF funds through the State of Texas upon implementation of the program, not one of the representatives had knowledge of the HAF in clear violation of the Mortgagee Letter references above. I can not enter into a good faith conversation with Flagstar on a path forward since my Covid Forbearance will be expiring on XX/XX/2021. Using Flagstars ' guidance i have started the reinstatement process. From my research ( US Treasury Website, HUD HAF Income Limits ) from a financial stand point I qualify however if my loan is fully reinstated prior to the program opening much less my potential approval it will be too late since I have fully reinstated my loan

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 2021-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report for Transunion and XXXX has dropped by 60 points since XX/XX/2021 for no reason. I have paid off a car loan to XXXX  XXXX since last month. I paid off all of my credit cards except for one. I refinanced my home from 3.25 to 2.25 %. The one credit card that I opened has a 16 month intro at 0 %. All of these positive points have been done since XXXX and yet my score goes down 60 points. This is unacceptable and needs to be reported. I contacted Transunion to find out why my report went down and could not get an answer from them

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 2021-09-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I asked for my southwest airlines cc to be closed. Upon making my request, I was told recurring charges could still be made on my closed account!!! How is that possible?!! When I asked additional questions regarding charges on a closed cc I was transferred to southwest airlines!! Chase card services are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I do not have a card with Comenity or owe them any debt. I am also on the Do Not Call List. This number is calling repeatedly and sometimes leaving messages. XXXX this number reveals many similar stories and stories of the person on the other end not believing that you are not the person they are trying to reach. Attached is a screenshot showing their repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I went to XXXX XXXX for a consumer credit transaction who then extended my credit to Santander bank. They furnished a contract obligating me to pay certain fees. Among these fees was a finance charge that did not include insurance which I had pay separately from the finance charge which is illegal under TILA 15 U.S.C 1605 ( C ). They also violated 15 USC1605 ( a ) which states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction meaning {$1600.00} in cash they received as a down payment was also illegal. This constitutes fraud which voids any contract. 15USC1692 ( h ) states if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. They have never presented proper paperwork or any paperwork for that matter of my right to rescind this transaction pursuant 15USC 1635 ( a ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX, I was confirmed successor in interest for a mortgage in which the original borrower was deceased. I applied for the mortgage assistance program as requested by the bank, and was set up on a trial payment plan to begin the loan modification process. Upon completing the trial payment plan, I was asked to provide additional information, and advised over the phone that i would not need to make another payment until XXXX. On XX/XX/XXXX, I attempted to login to submit the documentation that was requested of me, and I received a notification that my account was XXXX. Upon calling US Bank, I was told that I was not Successor in Interest, and that my information was no longer in their system, and the customer service representative was no longer allowed to communicate with me regarding the status of the loan. 
I was told multiple times on a recorded line that foreclosure would not take place since I made the trial payments as a confirmed successor in interest, and that a loan modification would be provided to me without issue.

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
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
XX/XX/XXXX : credit card amount due of {$3800.00} was sold to Midland Credit Management , Inc . 
XX/XX/XXXX : Midland Credit Management sent letter with transfer details and current balance : {$3800.00} Conversations with collector occurred : told Midland Credit Management XXXX Inc.I did not have the complete funds to pay off the balance. Was told I could offer a settlement XX/XX/XXXX : I wrote Midland Credit Management offered settlement amount of {$900.00} and sent check with offer. Clearly asked Midland Credit Management to inform me if the one-time payment settlement amount was acceptable, and if so to confirm in writing. Also, started if it not acceptable to please return the check. 
XX/XX/XXXX : Midland Credit Management cashed check ( # XXXX ) for {$900.00} Follow up call was then made by Midland Credit Management asking for full amount of balance owed {$3800.00}. Upon speaking to representative who first denied receiving the settlement letter and check, but then asked me for evidence, which I subsequently provided by reading the letter to the representative over the phone and provided details of payment paid. Representative then back tracked and said it was not settled and they would return the funds. 
Funds were never returned. Nor were they deducted from the balance owed XX/XX/XXXX, I followed up with a letter to Midland Credit Management outlining the situation and stating the debt was settled XX/XX/XXXX : Pre-legal notification letter from Midland Credit Management treating to forward the account to an attorney for the full amount owed {$3800.00} XX/XX/XXXX : I wrote Midland Credit Management to again outline that the amount was settled, they cashed the check, did not return the funds, and did not even take the money they took off the original balance owed. 
Midland Credit Management call me nearly every day and continue to write letters to me, now threatening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac is our loan serviced and we escrow both taxes and insurance. They allowed our insurance policy to lapse without any notification or attempt to contact us until they told us due to failure to provide proof of coverage they were force placing insurance on our home. We reached out and were unable to renew with our prior company because the policy had not been renewed timely which prevented us from extending from the time of lapse. We immediately contacted another insurance provider and secured coverage. PennyMac is now charging us for the lapse in coverage and refuses to rectify the situation. I requested they provide an escrow waiver going forward so I can ensure timely payment going forward. They refused. The same situation nearly occurred last year, but I paid out of pocket to ensure continued coverage and they double paid the policy ( after it would have lapsed ) which cause a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: GA

Complaint narrative:
These are unauthorized inquiries and I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. 

XXXX XXXX XXXX XXXX : XX/XX/2021 Credit Union XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, 2021 Bank XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX NA Inquiry : XXXX XXXX, 2021 Bank XXXX XXXX  XXXX XXXX XXXX, VA XXXX ( 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 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Self Financial Inc.
State: MA

Complaint narrative:
On Thursday, XX/XX/2021, my XXXX credit card payment was due. The amount due was {$29.00} and that '' s the amount that I paid. It was transacted through my checking account. The amount that I noticed yesterday that was cleared was for the amount of {$57.00} but that's NOT the amount I paid for or approved. This is the second time that this company has dobe something fradulent. I filed a complaint back in XXXX or XXXX with cfpb and with FTC. It was in regards to my loan that I had with this compnay. I've pay all kinds of bills with my checking account and debit card. NO company has taken advantage of my finances but Self and I've had enough! The next stop is FTC and my local police department as well as the state attorney general. I will pay off this credit card and seek to talk with someone from XXXX and XXXX so that I that my credit score will not take a hit due to the negligence of this company. I've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I called Medical Data Systems to settle account & spoke with XXXX XXXX ext. XXXX. 

I advised the Representative that I was unemployed & was diagnosed with XXXX twice but wanted to settle account. We specifically worked out a payment plan for the {$450.00} balance. 

The Rep advised there were other accounts that was not paid by my insurance. She advised that I call the insurance company to resolve the below accounts showing unpaid balances. She also stated would work with me due to my situation & hold the accounts & would NOT report them to the bureaus. 

A week later the accounts below were reported to all 3 credit bureaus. 

I called Rep back to advise that I received a notification that the settled account for {$450.00} was still showing unpaid & the below accounts had been reported & she stated that they would not be reported until we found out if the issuance was going to pay the claims. I advised her of the previous conversation & she became rude. I asked her to speak to the manager & she refused & said the would have the manager call me back & I never received a call back. As of today, I am having a financial hardship & I did my part & reached out the collection company to advise of my situation & I was treated unfairly. 

I disputed the account I paid off is which is showing {$450.00} balance. XXXX XXXX is reporting that the balance is accurate which is false. The account is paid off. 

I have applied for financial assistance with XXXX XXXX due to my financial situation, but I was treated unfairly by XXXX XXXX XXXX XXXX & I am requesting a resolution in their matter, otherwise I will consult an attorney. 


XXXX {$250.00} {$150.00} - {$400.00} paid XX/XX/XXXX for amount {$450.00} Below is the arrangement that I worked out with XXXX, the Rep. 


XXXX settlement offer {$1000.00} Total AactsXXXX {$1800.00} settlement offer {$1300.00} XXXX XX/XX/XXXX XXXX XXXX Dos XX/XX/XXXX call XXXX  XXXX  XXXX- XXXX DOS XX/XX/XXXX call 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 2021-09-18 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: TX

Complaint narrative:
My credit report for XXXX and Equifax has dropped by 60 points since XX/XX/2021 for no reason. I have paid off a car loan to XXXX  XXXX since last month. I paid off all of my credit cards except for one. I refinanced my home from 3.25 to 2.25 %. The one credit card that I opened has a 16 month intro at 0 %. All of these positive points have been done since XXXX and yet my score goes down 60 points. This is unacceptable and needs to be reported. I contacted XXXX to find out why my report went down and could not get an answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2021 I applied for Home Equity Line of credit with PNC Bank on the banks website. I called on XXXX XXXX for a status update and was told that everything was received but it can take up to 60 days. Today is XX/XX/2021 and no updates. I did receive a call from a manger stating that the loan officer that was working on my application is no longer processing my request. Its been 78 days since my initial loan request. No where in PNC website does it state that HELOC are taking 60 days or longer to process. If I was provided with that information, I would went with a different financial institution. Today I was told because of Hurrricane IDA that the banks is waiting for another property preview. It shouldnt take over 2 months for a HELOC loan decision. Thats unacceptable and unfair. I have submitted all the stipulation right away. The last stipulation was a recent paystub which they requested because so much of time passed after I submitted that stipulation. Every time I called the bank says we are just waiting for underwriter review of the second property report. The storm came 2 months after a submitted the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
had 3 transactions that were disputed 2 unauthorized 1 billing dispute. 
Chime refuses to investigate any of the charges. 
Chime claims no errors occurred and has ignored 3 email requests on how to continue dispute and provide valid proof of charges. No response from chime.

Company response to consumer: Closed with explanation