vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am being harassed by Radius Global Solutions. I'm not sure who the original creditor is. I went through a rough patch and the debt on my credit report seems to have been sold to company after company. I had asked them to stop calling me when they first began calling. I had to block them. And still call after call comes up on my phone. They use different numbers. I have several screenshots of my call log for 3 of their phone numbers which do all come up Radius Global Solutions. 

I am getting physically ill over all of this. I have too many problems on my plate as it is. Especially with the never-ending covid hindering my finances, I'm barely making ends meet. 

*You should have 6 different screenshots attached containing the most recent call logs of 3 of their phone numbers. Thank you. 

**This is not the original debtor. I'm unsure who is. I must choose " I don't know '' on the next page as I can not move on without the original debtors name. I'm noticing on my credit report the debts are sometimes sold off more than once, and only list the most prior debt collector. That makes it confusing, it comes to the point where you don't know what the debt is, if it's really yours, etc.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient pulled my student loans out of deferrment. Sent me a letter stating i was 90 days late and they had reported it to the credit bureau. I contacted navient and told them my loans were fedral loans and that per the President of the United States i shouldn't be making payments. I was told the loan was a commercial loan and didnt qualify for that. I have never had a commercial loan EVER with a student loan because i didnt have the credit or capacity to do anything other than federal grants and aids. I explained that my loans went into default and i went through the process of making payments a few years ago to get them back in good standing, and that recently i started trying to pay interest only payments while in deferrment but nothing else happened on the loans. No one would tell me why my loans were switched to a commercial loan only that they were. I paid my loans all " current '' XX/XX/2021 with a {$410.00} payment and {$140.00} XX/XX/2021 and when i pulled my credit today XX/XX/2021 navient is reporting i am 2 months 90 days past due. They are lying and moving loans around to put me in default, please please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have my Primary home Mortgage with XXXXenfed Federal Credit Union and I have been on forbearance until XXXX and made 3 trial payments after that and my 3rd trial payment was done on XX/XX/2021. I'm told that it takes 30-45 days from the date 3rd payment was made to reissue the modification statement and to bring back the loan to current. In the mean time, I started working to refinance my loan with another lender. And my other lender said, he can not close the loan, until penfed provides the document that the loan is current. I constantly following up with Penfed and they are not giving me any estimate on how long it takes to provide the loan modification statement and they are not giving me any positive responses. And my interest rate lock expired 2 times and the rates are constantly rising and Penfed is not helping me out. It is almost 60 days since my 3rd payment made and still no response 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 non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent by certified mail to each : XXXX Equifax XXXX A letter to remove all records of credit that no longer has any contact with me at my current address. I attached 3 proofs of my identity with my current address. All three acknowledged receipt of said complaint but without addressing my complaint. Specifically : I do not have any other current address and I do not desire any other addresses to be retained or reported, if any now delete and provide proof of your legitimate authority to retain much less report without infringing on my consumer rights. 
Sent XX/XX/2021 And approximately XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
this is for genesis card services. company is just a scam. also i was a victim of fraud and id theft. i filed an ftc id theft report and a police report not too long ago. i would like for this company to remove my account and delete from credit bureaus. i dont want anyone accessing anything in my name or using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/21 I initiated A transfer from my Wells Fargo account to my XXXX account for the amount of {$900.00}. The money was withdrawn from my Wells Fargo account but never appeared in my XXXX account and still hasnt as of today ( XX/XX/21 ). On XX/XX/21 I filed a claim with Wells Fargo and was told that I would be receiving a credit for the amount of money I was missing if nothing was resolved within 10 business days. I called again within the 10 business days to see if any information had been found and was told that nothing had been resolved, but again I would receive a credit for the amount of money I was missing if nothing was resolved within 10 business days. On the 10th business day, upon not receiving the credit for {$900.00} that I was missing, I called Wells Fargo and was told that I had been misinformed by both representatives I spoke to earlier and that I would not be receiving a credit. I was also told that the only inquiries done by Wells Fargo was an attempted phone call to XXXX on the ninth business day. I received a letter in the mail from Wells Fargo stating that my claim has been closed and I am still out of my {$900.00}, over a month later. Today ( XX/XX/21 ) I called Wells Fargo asking for clarification about the closing of my claim and asked if I was just out of the {$900.00} I attempted to transfer and they instructed me to call XXXX and give them a trace Number. When I called XXXX and explain the situation to them and told them that I had a trace number to give them, the lady was confused and said that its some thing that Wells Fargo should be dealing with since it is essentially a missing payment. Nobody can tell me anything about where my money is and I am still out of {$900.00} over a month later. I have had to take out a loan to be able to afford my rent, bills, and everyday necessities due to not having this money. After this is resolved I would like to close my account with dwells Fargo because this is ridiculous and I am never dealing with something like this again. I have been robbed.

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 2021-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I received a letter in the mail from PNC Bank dated XX/XX/2021 stating that I recently opened three PNC consumer accounts on XX/XX/2021 in accounts ending in XXXX, XXXX, XXXX. I DID NOT. My name and address was stolen off of the XXXX The State of New York website last XX/XX/2021. My name and address was being used to try to file additional claims. I had my credit frozen immediately for 1 year. I just spent over an hour on the line with customer service with PNC Bank call center at XXXX with a XXXX who instead of reporting a fraud claim was asking me questions such as my birthdate ( which I gave him ) and my social security number. At that point a red flag flew up and I stated absolutely not, you are not getting my social security number, as your bank just opened 3 accounts under my name and old address without it and I do not know of this bank or trust you. He then stated that it would be up to 30 for a fraud specialist to call me back. He also has my cell phone number now. He finally gave me a file number of PNC XXXX, after I became upset because these accounts would be open that entire time. He told me to go into a branch in XXXX XXXX XXXX to close them if I wish. That is 300 miles away from where I live, and I am petrified at this point that he and the PNC Bank are even legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On XX/XX/21 my wife and I completed the closing on a refinance loan through Rocket Mortgage. Subsequently, we were informed that our existing mortgage could not be paid off because our mortgage lender was outside of the XXXX And, if the payoff could not be made to a XXXXXXXX XXXX  account the note would have to be terminated. The mortgage company said it would take several weeks to establish a XXXXXXXX XXXX account to accept the payoff and cost {$750.00}. XXXX XXXX at Rocket Mortgage said he would issue the payoff check and once the bank account was setup it could be deposited. I told him that during the time between closing on the new loan and paying off the old loan I'd be paying double interest. He said that would be taken care of after we get the payoff completed. Upon completing the payoff on XX/XX/21 he then informed me that Rocket Mortgage would not honor his commitment and credit me the interest paid to them even though I had no access to the funds I was being charged interest on. When I told them I wanted to terminate the new loan and be made whole they said that can not be done because the loan was already sold ( I received notice of that ). It seems clear to me they enticed me with the lure that my interest would be taken care of long enough to sell my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: GA

Complaint narrative:
On XX/XX/2021 I contacted Experian, XXXX, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to Experian, XXXX, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information

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 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: California Accounts Service
State: CA

Complaint narrative:
I was told about the debt over the phone by a nice woman, who explained my debt, and gave me the time frame to pay. Stated it was going to be non-delinquent until after XX/XX/22. Tried to make a payment on XX/XX/22 and the only available payment option for me is disabled until XX/XX/22...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently sent a dispute letter to Experian on XX/XX/21 in regards to a previous car loan. I pulled my credit reports and noticed that Experian was reporting the account still opened, although it has been paid off and closed, and a new auto loan has been opened in place of it. Experian also does not provide the date of last activity ( the account was paid off on XX/XX/21 ). This shows me that the account has not been properly verified, and Experian has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately. 

As a consumer, it's frustrating that after sending multiple letters requesting that the information be deleted because it is indeed inaccurate and Experian fails to properly verify the information, Experian continues to report incorrect/inaccurate information. As a consumer, i expect my information to be the same across the board for all credit reporting agencies, but it seems that Experian is not following in alignment with other agencies and instead focusing on the benefits for themselves.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. 

I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to Experian XXXX and XXXX. 

The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. 

It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. 

Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. 

The Entire account Being Reported by The Department of Education XXXX is inaccurate and is affect my personal credit report tremendously.

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 2021-12-30 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: Siggi LLC
State: WA

Complaint narrative:
I called Omni Financial twice and they did not have any information on the alleged debt but they are still furnishing this on my consumer report. They are unable to provide me with any documents regarding this account for me to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Last week I made a phone call to the fraudulent department for target and got a hold with one of the representative. He explained me to go to a site to report this store credit card. I got hit in my credit score with this name call TD BANK USA/TARGET C. The guy is sending me a letter to sign and send back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XX/XX/21 I was in an accident and my vehicle was deemed a total loss. While working with the GAP coverage policy holder ( XXXX  ) I was given a list of items I needed to obtain from the finance company and the insurance company. I received the documents from XXXX with no problems or questions. Bridgecrest on the other hand has yet to comply with any one of the requests for these documents. Bridgecrest did provide one of the requested documents on XX/XX/21 I received a 10-day pay off letter. In this letter it states " After the date ( XX/XX/21 ) the account accrues interest in the amount of {$10.00} per day. '' All the parties involved, aside from Bridgecrest have complied with my requests and provided me with all documents requested. 

On XX/XX/21 my car payment of {$450.00} is due and the {$10.00} interest begins to acrue. Why would Bridgecrest try to assist in getting this total loss claim filed and processed? Because they would loose money. Not only would they be loosing out on the extra daily interest, they would be loosing out on the {$450.00} a month. 

If I had received these documents from Bridgecrest, the GAP coverage claim would be closed, just like the Total Loss Claim from XXXX. Which would in turn bring my balance to {$0.00} and finalize the Bridgecrest payoff. 

Bridgecrest has tried to ensure that ANY overpayment made will be evaluated and if it is determined a refund is owed, Bridgecrest will process the overpayment. How am I suppose to believe this, especially when they refuse to send me the documents to process a total loss claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Bank put a 10 day hold on a {$3000.00} check, offered no sufficient reason for why and refused to release the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently sent a dispute letter to Equifax on XX/XX/XXXX in regards to a previous car loan. I pulled my credit reports and noticed that Equifax was reporting an incorrect close date. Equifax reports a close date of XX/XX/XXXX. I received a new auto loan from my credit union on XX/XX/XXXX and this account showing was not closed until XX/XX/XXXX. This shows me that, although it was said that it occurred, the account has not been properly verified, and Equifax has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
I was looking to purchase a specific breed of puppy. Very few breeders in our area. I found one online listed as being in XXXX, PA. I started correspondence with said " breeder '' on XX/XX/2021. After several emails between one another I decided to purchase the puppy. They emailed me a copy of the contract that I signed on XX/XX/2021. They stated a 30-day money back guarantee. All of this correspondence and contract are attached with this claim. On XX/XX/2021 I completed the XXXX transfer of {$950.00} for the puppy to XXXX XXXX, XXXX email of XXXX. At the time of payment they were supposed to make shipping arrangements for the puppy. The next email I received wanted {$550.00} for life insurance. Red flags went up immediately! None of that was part of the discussion. When I reached out to discuss this, none of the phone numbers worked. All my emails went unanswered. They completely fell of the radar. At that point I went to my financial institution to file the scam. They took my report and made copies of the emails and contract. They told me not to expect any results from the claim. I also went to the police station and filed a report with them. XXXX XXXX Police Deparment, XXXX XXXX XXXX, case # XXXX. From what I understand this should fall under Regulation E where I was coereced or induced. I also returned to my bank, Pacific Premier, and gave them a record of the case # with the police. At that time the lady who helped me said it looked like they filed it incorrectly the first time and she was going to redo and resubmit my claim. This is the last discussion I have had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/21 my macys credit card was closed due to inactivity, which I was un aware of. They closed with no notice to me.I have had this card for over 11 years and have periodically used this card. This card is one of my longest standing relationship and will hurt my credit score. 

I called on XX/XX/21 asking them to open the card back up and allowing me to spend money on their account. They told me repeatedly that this was not up to them, but because of my inactivity, I was not able to reopen.

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