vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im not sure how they received my information but these people pretended to be a loan office through Allied Cash Advance. I initially recieved an email saying I had been approved & & they called my phone on XX/XX/2021 where they Verified my loan application. On that afternoon I was told I needed to pay a security payment via XXXX Gift Card of {$170.00} & it would be refunded. After making the payment I was told that I would receive an email from the Texas Department of finance so it could be deposited into my bank account which I did but I had to pay a charge of {$350.00} that would be refunded once I received clearance. After waiting 2 hours I was told that my bank does not accept wire transfers which I confirmed they do not. So I had to pay the money gram fees of {$480.00} to receive my loan. So once paid I was told to wait for my reference code to be provided & once received it was incorrect & & the company was closed. So I called on Saturday morning & & was told that I need to pay an additional {$400.00} because they had to break the transfer into smaller increments. Once I refused to provide any more money they told me that I would have to a total of {$250.00} cancel the XXXX & & receive my refund via money gram! I have spoken with XXXX & & the told me to go ahead & & file my report because I was scammed not once but twice by two different companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable 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 non-monetary relief
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
my information was fraudulently used in a breach in the past, and it is still being used to obatain services i didnt authorize and is harming me financially and personally in a negative why

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 2021-09-02 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: OH

Complaint narrative:
I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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 2021-09-02 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: OH

Complaint narrative:
I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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 2021-09-02 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: VA

Complaint narrative:
i have reached out about these inquiries on my report to no avail i need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I disputed a charge w/Chase Bank. It was a {$400.00} charge from XXXX XXXX XXXX and it was supposed to be refunded after my car rental was over. The charge was made on XX/XX/21. Chase sided with XXXX XXXX XXXX and claimed that XXXX already refunded my money on XX/XX/21. The problem is that there was never any such refund and, even the date they're telling me it was refunded is wrong. How could they refund me a day before the actual charge? I tried to get help from Chase for 5 hours yesterday. I am a XXXX person and I am emotionally fragile. I told them that many times. They openly ridiculed me and one employee even told me that she " can't make [ your ] eyes see ''. I am not XXXX and I could see fine. There was no refund EVER. Chase refused to reinstate my provisional credit and my bank account became overdrawn. I contacted them at least 2 dozen times for help. They refused to not charge me an overdraft fee. A manager in their Executive Offices told me that I had a choice - I could get the credit and have my account closed or I could not get the credit and keep my account. That's extortion. Then, she told me she would give me the credit, but is closing my accounts. They won't tell me why/when/how. I am no longer allowed to seek customer service with Chase. They are discriminating against a XXXX person, they took {$400.00} from me and when I asked for forgiveness on the overdraft fee, they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This is for the transactions of {$550.00} labelled as " Debit Card Purchase - XXXX XXXX XXXX XXXXXXXX XXXX '' and {$500.00} labelled ad " Debit Card Purchase - XXXX XXXX XXXX XXXX XXXX XXXX ''. There are some discrepencies that Capital One ignores when they reviewed my case. These purchases were not done by me. These were forced by a third party screen sharing app that hacked my phone. Both transactions were made within minutes of each other. Capital One said it was by the same person. The transactions were made in separate IP addresses. I brought this up and I was ignored.

Please check the IP addresses in the PDFs I attached on page 4. This is a clear case of hacking and theft. Capital One refuses to take responsibility for this. 

Also please note this is separate from my previous complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I am a XXXX just getting established. I set up a business PayPal account to conduct my business. I was asked to verify my account through PayPal, which I did. They asked for specific documents required and I gave all of them, as requested. This morning they suspended my account indefinitely, holding on to almost {$400.00} of my clients hard-earned dollars. This looks incredibly bad on me and my new business. No one could give me an answer as to why this happened and I was basically hung up on by a supervisor. Please help me spread awareness about the fraudulent activity from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I applied for a mortgage and made an offer on a property in XXXX GA, on or about XX/XX/XXXX. In pursuing a mortgage, I contacted several insurance companies, including, XXXX XXXX, XXXX, and XXXX insurance  companies, for homeowner insurance quotes. 

On or about, XX/XX/XXXX, I advised my real estate agent, to terminate the contract, due to loan issues, relative to XXXX  XXXX XXXX. The Unilateral Notice of Termination was issued to all parties, including the Mortgage company on XXXX/XXXX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, however, in a violation of the FDCPA, issued a policy ( # XXXX ), which it states, was terminated on XX/XX/XXXX. 

XXXX. 

I applied for a mortgage and made an offer on a property at XXXX XXXX XXXX, XXXX, GA XXXX, on or about, XXXX/XXXX/XXXX. In pursuing a mortgage, I contacted several insurance companies, including, XXXX XXXX XXXX, XXXX, and XXXX insurance companies, for homeowner insurance quotes. 

on or about XX/XX/XXXX. I advised my real estate agent, to terminate the contract, due to contingencies issues, inspection, including other property issues. The Unilateral Notice of Termination was issued to all parties, including the Mortgage company on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX however, in a violation of the FDCPA, issued a policy ( # XXXX ), which it states, that I terminated on XX/XX/XXXX. 

XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91, Fair Credit Reporting Act, 15 U.S.C. 1681. 51-6-2, et al. 

XXXX has engaged in willful and reckless harassment, malice, and contempt, along with reckless indifference of my rights, which are protected by both XXXX and XXXX XXXX. They have done so deliberately and without regard for my well-being, comfort, and enjoyment of life. 

Please take note, due to this deliberate behavior of XXXX XXXX XXXX XXXX XXXX XXXX, I have suffered, irreparable pain, suffering, and enjoyment of life, as a result, I will be pursuing claims for damages, in, State or Superior Court of XXXX XXXX Georgia, and/or Federal Court, where applicable. 

I demand a payment sum of {$5000.00}, in order to settle this egregious and deliberate act, as I'm in the process of going to closing on a home, on XX/XX/XXXX, and my credit will be pulled, reflecting this illegal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I applied for forebarance in XX/XX/XXXX after losing my job XX/XX/XXXX. I asked the rep at the time if this would negatively impact my credit. I was told repeatedly, No. As of today, Dovenmuelhe is reporting my account 30+ days past due since XXXX. 

They gave me an email address to send proof. The email came back as undeliverable when I sent the proof. 

I've called more times than I can count, I've asked to speak with a supervisor and each time I'm told there is no supervisor avaiable, and they will have a supervisor call me back. I've NEVER received any call back. They use that as a way to get you off the phone and mislead you to think someone is going to call you back. It's just a ploy. 
I am back working again, at age XXXX, and I can not spend hours and hours on the phone with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I disputed XXXX XXXX because it was on my account more than once last year or so after it had already been reported. It was removed and then they added it again as Receivables Performance along with XXXX XXXX. I disputed it with XXXX  and it was removed and they just added it again a day or so ago. This is not fair to me as it keeps making my credit score go down every time they add it. I asked for it to be removed in the beginning because it was showing up twice under 2 different names. If they want to put it on my credit fine but dont keep putting it on my credit under different names making my credit score go down when it was already on there once the first time and they are the ones that had it in my credit under two different names so I had to dispute it. This is not right or fair whatsoever. It says the debt remains for XXXX and then removed for Receivables Performance, so why is it on there again a few days ago. I never received any notice if reinsertion as explained by 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
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Im trying to order cable tv for my home ... they cant pull my credit because of a credit freeze placed on my account. I did not place this on my account. I have tried calling the numbers for Experian and online, however the online site comes up with an error and call 1-888-EXPERIAN ... I call that and its a loop ... Press 1 for freeze and fraud and then press 1 to place a freeze on your account - I dont want to place a freeze, I want to remove it .... 

I have tried getting to an operator and there is no way to contact operater .... 

I have spent several hours over the past few days trying to get this removed - JUST FOR XXXX TV!!! This is 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 2021-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to request my credit report in different credit monitors such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TX

Complaint narrative:
WALLETHUB XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX [ NOT MINE XXXX XXXX INTERACTIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX [ NOT MINE ] GLOBAL PAYMENTS CHECK SVC P O BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX MC LEAN, VA XXXX ( XXXX ) XXXX On : XX/XX/XXXX [ NOT MINE ] XXXX MERCHANTS CONCOURSE XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX [ NOT MINE XXXX ACCOUNT XXXX OF XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Balance : $ XXXX XXXX Amount : {$1300.00} Original Creditor : TOWN COUNTRY MANOR Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR XXXX Estimated month and year that this item will be remo [ NOT MINE ] XXXX XXXX XXXX # XXXX C/O XXXX XXXX XXXX PO BOX XXXX XXXX, SC XXXX ( XXXX ) XXXX Placed for XXXX : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX XXXX Amount : {$100.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : XXXX FOR XXXX Estimated month and year that this item will be removed : XX/XX/XXXX [ NOT MINE ] WEBBANK/FRESHSTART # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date XXXX : Individual AccountAccount Type : Installment Account Loan Type : INSTALLMENT SALES CONTRACT Balance : $ XXXX XXXX Received : $ XXXX Payment XXXX Balance : {$85.00} Pay Status : >Charged Off<Terms : {$0.00} per month, paid Monthly for 6 monthsDate XXXX >Maximum Delinquency of 90 days in XXXX Remarks : PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF Estimated month and year that this item will be removed : XX/XX/XXXX [ NOT MINE ]

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 2021-09-02 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX Balance - XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collins Asset Group, LLC
State: NC

Complaint narrative:
I had an account that i got behind on that ended up going to collections. Then a company called Collins Asset Group brought the account from XXXX XXXX. The issue is both accounts are still showing up on my credit report and i have disputed both twice and now i can't anymore and they are still on my report. I want the old XXXX XXXX  moved off since it was brought by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: NM

Complaint narrative:
Hello my name is XXXX XXXX I have a concern with a company named cmre financial services located in XXXX California back in XXXX  it states I was seen at a hospital in XXXX New Mexico a year later I received notification that my credit was hit hard because i failed to make a payment I contacted the company several times to see why I wasnt informed of this in the beginning that way at the time I could have resolved this manner with a payment at the time also I never a Debt Validation Letter the company said they reduced the amount by XXXX  XXXX and still are seeking an additional {$1200.00} I dont have {$1200.00} to pay them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We received an e-mail on XX/XX/XXXX from XXXX Credit Card servicing XXXX indicating that we had a payment due on XX/XX/XXXX. We check our bank account every day and no E-Bill from Comenity Bank was indicated. 

On XX/XX/XXXX, we received an email from Comenity indicating that our payment was past due. Shocked we checked the XXXX credit card and found we missed a payment. But we thought the payment was due on XXXX. We immediately made a payment on the first available date, XXXX XXXX through our bank account. 

We complained about the bank 's error and received a late free credit of {$29.00} on XX/XX/XXXX. On XX/XX/XXXX we asked Comenity customer service to credit our account for {$4.00} in interest charges. We were denied. We do not believe this is acceptable as this was a Comenity error to begin with was shown on the attached email.

Company response to consumer: Closed with monetary relief