vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
I hav advised the company that I am unable to make the payment for the time being. This a small {$400.00} title loan. They have repeatedly sent me specific collection text messages with personal information and left voicemails stating my credit is frozen and that they are going to refer or escalate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I am trying to link my account and for some reason they have stopped me from doing so i have had nothing but trouble with the bank since I opened my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2020 four accounts for Radius Global Solutions appeared on my XXXX  credit profile that appears to be duplicated with no account numbers. The amounts in question are for {$1500.00}, {$1500.00}, {$110.00}, and {$110.00} l have no knowledge of these debts and want them removed from my credit profile by this company immediately.

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 2020-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent a letter to all 3 credit bureaus via CFPB asking for immediate removal of the account on my credit report. I had my credit pulled trying to obtain a mortgage and Equifax is still reporting the account. I contacted Equifax and they said I needed to call XXXX XXXX XXXX  again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: CO

Complaint narrative:
My mortgage has been sold/assigned several times, and each time, the acquiring company seems to lose some of my information, or tries to change the rules. 

Most recently, it was acquired by " Arc Home ''. Arc Home started sending me messages in XXXX that my flood insurance was out of date. I submitted my updated flood insurance before it was due, and figured all was well. They sent me more letters - so I resubmitted it. I attempted to call them, but it was impossible to get them on the phone, so I used their secure messaging option on their website. It was never responded to. 

Right about XX/XX/XXXX, after multiple attempts, I was finally able to get someone on the phone. I showed her that I had insurance, and that the mistake was theirs. She agreed, but noted that the insurance wasn't as sufficient amount. However, none of the documentation specified an amount required - and this was odd because I'd never had this problem in prior years, leading me to assume they were changing my loan terms when they acquired my loan. I asked to see my loan docs they were operating from - and she said she'd send them ( she never did ). 

I then asked to speak to a supervisor. Meanwhile, I had my insurance agent representative contact the company thought the insurance company only channels, which apparently are better attended than the consumer lines. 3 days later - XX/XX/XXXX, I got a call from " XXXX '' indicating that this was in fact an error on their part, and that I did have sufficient insurance. She left this information on my voicemail - I still have the voicemail. She recommended I call a particular phone number, which I have not been able to get a human to answer - and none of the menu options provide the sort of resolution I need. Similarly, right after I spoke to the first representative, they took {$5000.00} out of my escrow account and bought more flood insurance on my behalf at a usurous rate. They did this knowing full well it was unnecessary. 

It's now been two more weeks, they've admitted wrongdoing, admitted my account is and was in good standing, yet do not answer the phone, and have stolen my money. Obviously they're not paying interest on the stolen money either ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received an email on XX/XX/2020 stating I owed an outstanding balance of XXXX ( higher than actual amount owed ) and that the 'law firm would settle for XXXX '. Then stated if I do not respond to the email in 72 hours they would, garnish my wages, contact my employer and ftc. 

I responded back by asking for a debt validation & what kind of payment plans they offer. They stated it was from ACE loan online and I could pay a one time payment of XXXX paid in full by friday XX/XX/2020. I again asked for debt validation and I received a response saying I could pay {$850.00} today or 2 'payment of XXXX from today.. ' and " if you are looking for the payment arrangement then you can pay in five installment of {$280.00}, kindly update us the date from which you can start making payment. Do revert ASAP '' I again asked for debt validation then received an email addressed to XXXX XXXX stating if he wanted to pay his debt he had to get a vanilla prepaid card and load the funds onto that card and email it to the law firm. 

Becoming suspicious I again asked for debt validation, and I received an email stating that once the payment will go through they will close the case file and provide a receipt stating paid in full. 

I then emailed them stating I would not reply to any form of communication if I did not get a physical copy of debt validation. I stated I would be reporting them to the FTC, XXXX  and the CFPB. 

I then received the following email " We're Sorry! We cant disclose if you want to see documents then you need to help me out with your attorneys information and once documents have handed over to your attorney then NO PAYMENT PLAN will be given to you. After that willing or not you need to fight these things into your local county courthouse. we're not denying that you will not get anything once your file has been submitted for garnishment then we will manage to send soft copies of your documents at your physical address but at this point, there is no way to help you with Date 's and Time. Do revert ASAP Thanks & Regards XXXX XXXX XXXX XXXX '' I responded by stating that their email was reported as a scam to extort money from induviduals and I was forwarding it to the places I stated in previous emails. I then told them if anyone would garnish my wages or attempted to access my bank account that I would close it and put a stop payment. and since they are not validating the debt I have no reason to believe anything stated in the emails. They have refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I DON`T RECOGNIZE THESE ACCOUNTS AND INQUIRIES, I HAVE NEVER APPLIED FOR THESE DEBT, WITH THESE COMPANIES I HAVE NO CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I DON`T RECOGNIZE THESE ACCOUNTS AND INQUIRIES, I HAVE NEVER APPLIED FOR THESE DEBT, WITH THESE COMPANIES I HAVE NO CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on the date of XX/XX/2020 there was an inquiry made by XXXX XXXX on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from XXXX on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from Wells Fargo Dealer S that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.

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 2020-06-22 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
on the date of XX/XX/2020 there was an inquiry made by XXXX XXXX on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from Roadloans on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from XXXX XXXX XXXX XXXX that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
We have been with this company Fay Servicing since 2015 and have been faithfully paying our mortgage which includes the escrow ( taxes and insurance ). Recently they did an escrow analysis and said that we owed them over {$7000.00} and hit us with an additional {$1400.00} to our existing mortgage. This is expected to pay for a full twelve months until as they claim that we pay them back. I have called the company over two weeks ago and spoke to manager. She assured me that the company would look into and send the escrow analysis back through. I confirmed on my end by calling my local tax government where the properties are located. I have sent the company each tax statement in which we Not only owe taxes but we have a {$5000.00} credit. I don't understand this at all and don't want them to attach this to our credit because we have fought extremely hard to get to this point. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to log on to my credit report with experian for 2 years. I need to give XXXX  access to my account- and I have been, basically, permanently locked out of their system. I tried to order a hard copy of my credit report today, and I was not able to do so. I have called 50-60 times, and I am usually hung up on. They have no idea what is going on, and say I have a freeze on my account. When I asked them how to get rid of it, they guide me through the process only to find that my information is not found in their online system. 

This the error I receive : " We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  PT Sat - Sun : XXXX XXXX  to XXXX XXXX  PT '' The problem is, that phone number does not take you to a person- nor does ANY phone number listed anywhere on their web site or on XXXX. They give me a couple of choices- but none of them take you to a person. Finally, I had to pretend to be a business account to get to talk to a person. Finally, she gave me 4 numbers- the last one actually let me to a person, eventually. That number is not published anywhere. 

I want access to my account. I need to give my account over to XXXX so they can work on it with me. How do I do this, when the company in charge is a scam?

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have a VISA credit card with PenFed -- https : //www.penfed.org/ On XX/XX/2020, I added an authorized user to my PenFed VISA credit card account. The authorized user was added, and PenFed promptly reported the authorized user 's account on his credit report. 

However, PenFed refuses to provide the authorized user with online access to the account. The authorized user is unable to track his use of the credit card, verify purchases, payments received, etc. 

On XX/XX/2020 I contacted PenFed at their customer service number, and requested that the authorized user be granted online access to the VISA credit card account. PenFed refused, claiming that they are not required to provide him with any type of access. 

I believe that PenFed 's refusal runs afoul of the laws and regulations currently in effect, and that PenFed MUST provide the authorized user with online access to the VISA account, for the purpose of online account management. 

Please note : PenFed does NOT provide paper statements for the VISA account. As such, it is impossible for this authorized user to obtain any account information about this account.

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Case Notification Case Closed Dear XXXX XXXX : Your request with Case ID - XXXX is now complete. 

Today 's Date : XX/XX/2020 Account : BANK OF AMERICA TRAVEL REWARDS VISA PLATINUM PLUS ending in XXXX Result of your case : Unable to complete as requested -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I opened up a credit card with Bank of America and had no online access for the duration of the account being open. Subsequently, I was unable to pay online and paid in person in cash at a bank branch. Because the technology was weak, I was unable to get this paid off unless it was in person. Subsequently, my account was shut down without any notice or email. I requested them to fund at the very minimum my fees, and they closed any request.

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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/XXXX I requested that the unverified ( Chapter XXXX Bankruptcy Acct # XXXX XXXX be removed due to non-verification of this account belonging to me. Per FCRA section 609 ( a ) 2 the credit bureau is obligated by law to disclose to me the source they are claiming to have verified this account with as being mine. FCRA states that the furnisher of the debt is the only person or entity that can verify that the debt belongs to the debtor. In this case that would be the United States Bankruptcy Court XXXX XXXX of Wisconsin. 

I have submitted proof via postal correspondence dated XX/XX/XXXX, from U.S. Bankruptcy Court Clerk, XXXX XXXX XXXX that the court " does not report information to any credit agency. '' Equifax is required by law to provide me the Business name,  address, and phone number of the source they verified this account with. I was not provided that I have only been told that a vendor verified the information with them that the account is verified as being mine. 

This does not constitute as a Proper Investigation, I need the name of the business, the address, and the phone number of the person Equifax verified this information with. Third party credit reporting agency information is not considered the original furnisher of the debt. 

I have submitted proof to Equifax that the original furnisher of this debt states that it " does not report information to any credit agency. '' Please delete this unverified account immediately. TransUnion was reporting this same account and after receiving the proof of this letter from the U.S. Bankruptcy courts, they deleted the unverified account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ERC
State: CA

Complaint narrative:
I have contacted ERC direct in an attempt to validate the information being reported on my credit report to no available. I had to do research to obtain the correct mailing address as the address being report on my credit report is incorrect. They did not respond to my request for information in an attempt to validate the alleged debt by they verify this subterfuge as being accurate. This inaccurate, erroneous reporting is hurting my ability to obtain credit and my financial wellbeing. This alleged account from XXXX has already been removed from XXXX  but not XXXX. If they don't answer me how to I know this account was ever investigated? 

Not sure that company name they are legally doing business under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC.
State: ME

Complaint narrative:
I contacted account Corp of southern Nevada to settle a debt with them that they bought off of a hotel that I had stayed at years prior. I gave them an offer and they responded that there was no way they could take anything less than the full amount and they couldnt negotiate anything less than the full amount because it was an eviction. They lied to me to try and get a larger commission on my debt.

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 2020-06-22 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: NJ

Complaint narrative:
I've been contacting Portfolio Recovery about a debt they are trying to collect without having proof that the debt belongs to me. Please help me with rectifying this matter. I have attached the proof provided by Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Searching my recent credit report, found out a few accounts and inquiries which I never opened before. I carefully looked all of these accounts and listed all of them in identity theft report. Sent request to investigate and remove all of them from credit report as soon as you can. I uploaded personal information like ssn and dl. I think personal info was stolen and used by someone else. all accounts are fraud. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an off scheduled Escrow Statement from PHH Mortgage Services XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX. I received an Escrow Statement claiming a shortage with a Proposed increase in Payment. I called today, Monday XX/XX/XXXX & spoke with a female claiming to be XXXX, ID # XXXX then to XXXX, ID # XXXX  regarding the matter. According to XXXX, the tax department checked the website in XX/XX/XXXX & claim the tax would go from $ XXXX {$3200.00}. I told him, Mayor XXXX XXXX sent out a letter that states, NO TAX INCREASE. He never requested a copy. He said he would forward the information to the unit that deals with tax. He was unable to provide me with the information from the City if XXXX that was used for the proposed increase in the mortgage. How many other residents are been ripped off by PHH who is part of Ocwen Service LLC ( who made a settlement to pay homeowners who they foreclosed on because of their procedures & policy )

Company response to consumer: Closed with explanation