vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO XXXX, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO EXPERIAN, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

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 2020-08-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
This afternoon at XXXX, I received a call from a phone number ( XXXX ). After I hung up, they called several times back to back. When I finally asked what they wanted, a woman responded that she needed to know where I was at so she can file papers to me, as I had a court order. I was stunned! I didn't know what I could have done for me to have a order against me. 

I was then told that I needed to call the number XXXX, and that my case number is XXXX. When I called, a man told me that he was from XXXX XXXX or something of that nature ( he went so fast I couldn't get the actual name, hence the phone numbers ), and he told me that I was going to be charged for fraud, and that I needed to either negotiate something with them or fight it in court. Obviously I was frustrated, and scared, so I said that I would take care of it with them. 

At first, my debt was around {$840.00} dollars, but then they said since I didn't get any paperwork it would be around {$660.00}. I told them I would do half on the XXXX of this month and the other half on the XXXX of next month. The process was weird ; first off I was misgendered SEVERAL times. I told the other individual that I was a woman and he kept referring to me as " sir '' even AFTER they recorded, which they said they needed to record since that was something they had to do. 

After I gave them my debit card information, and the conversation was done, I did a little research and I found out what they did was against the law! Not only that, but I also gave them my card number which is the main thing I'm worried about, as I am concerned this might be a product of fraud. 

I want them to delete all of my information, not process my card, and if I can get the same amount that they are pursuing, which they threatened to charge me with fraud, I would appreciate it. 

I am filing a complaint to my bank as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company Midland Credit ManagementXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and Midland Credit Management Inc Address : XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Calls my phone numbers every few hours daily. They have called family members and neighbors. They have sent a mail regarding an alleged debt to a family member 's home address. 
They call from Arizona, via the phone numbers XXXX XXXX constantly. 
I have no signed contracts or dealings with this company at all. I never have had financial dealings with this company. I am not indebted to this company. 
I want an immediate to cease and desist. Do not call or send any letters to me or anyone they assume I know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 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: LA

Complaint narrative:
XXXX, Equifax, and XXXX failed to properly investigate an inquiry about whether or not a debt is valid. I have supporting documentation that shows my account number with XXXX XXXX XXXX is in fact not reporting correctly. I have enclosed my first and last account statements from XXXX XXXX XXXX that show a different account number than what is being reported to my credit reports from XXXX, Equifax, and XXXX. The proper account number according to my monthly statements from XXXX begins with a XXXX instead of a XXXX. I attempted to get XXXX to verify this debt, however they replied to you all on XX/XX/XXXX, saying that they will not be verifying any debt ( I have also enclosed this letter that is reflecting the wrong account number beginning with a XXXX  ) I have also enclosed my complete credit reports from XX/XX/XXXX, along with screen shots of the entry from XXXX XXXX XXXX, which reflect my account number beginning with a XXXX. According to the FCRA Section 611 the reporting agencies were supposed to hold a reasonable investigation of my report, and they clearly did even verify the accuracy of the debt because all 3 credit bureaus are reporting the wrong account number. It is their responsibility to completely delete XXXX XXXX XXXX off of my credit report because the account is not and never was reporting accurately. It is my right to have information reported accurately and in a timely manner. This brings me to my second issue. On XX/XX/XXXX, I made an agreement to pay off the debt with the 3rd party debt collector for XXXX XXXX XXXX , XXXX XXXX XXXX, and payment was made. I have attached the settlement letter ( which includes an account number beginning in 9 ), along with my bank statement reflecting the {$2600.00} coming out of my bank account. According to my updated XXXX credit report from XX/XX/XXXX, my credit report does not reflect the account is settled. It only reflects the payment in the amount of {$2600.00}. My credit report is currently showing a balance owed of {$6200.00}. Today, XX/XX/XXXX, I called XXXX XXXX XXXX to confirm that the debt was in fact completely settled, and they did confirm this fact to me. It is my right as a consumer in the United States of America to have information reported correctly on my credit report, and the fact that it is not, is severely effecting my ability to obtain credit. At the very least, the balances should be {$0.00}. According to the law, my report should be accurate, or be deleted. The correct account number on my credit report is not even being reported correctly. This is gross negligence by XXXX, Equifax, and XXXX, who have claimed the " verify the debt '', I demand that this be corrected immediately. The XXXX XXXX XXXX entry on my credit report should be deleted from all 3 of my credit reports with haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
The account was opened fraudulently and PayPal refuses to remove the account off my credit, I have disputed it multiple times.

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 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the inaccurate reporting on account ( XXXX XXXX XXXX, Account # XXXX ) with TransUnion numerous times over the last two years and each time TransUnion sends me a notice stating that they have either verified that the account is reporting accurately or that the account has been updated. TransUnion has not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that TransUnion verified the accuracy of the account and/or that the account was updated. Below is a list of disputed inaccuracies on the account : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate

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 2020-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
My mortgage payment increased 11 % ( {$390.00} ) from the XX/XX/XXXX statement to the XX/XX/XXXX statement. This is an increase of {$4600.00} annually. There has been no justification for the increase in payment from NationStar/Mr. Cooper. Last year 's ( XXXX ) annual increase in local property tax was {$1300.00}, and the year prior ( XXXX ) was {$130.00} annually. 
There has been no increase in home owner insurance policy. 
By my numbers, NationStar/Mr. Cooper has taken it upon themselves to increase my monthly payments in excess of {$3000.00} annually. This appears to be highly correlated with the CARES act and other borrowers utilizing forbearance. 
I don't believe the mortgagees should be responsible to the mortgage lenders to cover their lack of funding needed to continue their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF 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 2020-08-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
Bank : US Bank Reliacard Texas Unemployment Benefits XX/XX/2020 : The bank 's website rejected my password and forced me to re-set the password. 
I encounter consistent problems trying to log in to their website. 

XX/XX/2020 : Four attempts to use the card for purchases and a withdrawal of cash at an ATM card were declined. 

Their website has no forms to contact them, no email, no fax, no physical address, and no way at all to contact them except to call an XXXX number. 

That XXXX number repeatedly kicks me off the line, and when it does not kick me off it has wait times well over an hour and more. Have been unable to contact anybody from this bank. 

I am an old man, I need my money to pay rent and utilities.

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 2020-08-04 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: MO

Complaint narrative:
I submitted an FTC Identity Theft report XX/XX/20 to Transunion ti inform them of fraudulent accounts in my name from XXXX XXXX XXXX & XXXX XXXX XXXX. They still appear on my Transunion credit report.

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 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
On XX/XX/2020, I sent Fair Collections and Outsourcing a debt validation request for an item on my credit report. On XX/XX/XXXX, they responded with an altered copy of the original contract adding an additional {$1000.00} to the balance due, beyond the original {$170.00} that was already paid in full, and no documents whatsoever substantiating that they are authorized to collect the 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 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a complaint with cfpb ( see attached ). The company called me and said they would fix everything and pay the fines. In the mean time someone else from Loan Depot contacted me about a new refi to reduce my interest rate. I said ok and told them that another individual ( XXXX XXXX ) was working on the problem from the last refi. They said they would check into it. I then went through the process and told them multiple times that the XXXX lease had to be dealt with and gave them the contact info for their escrow company. We then got to XX/XX/XXXX and they said they were ready to fund I asked them where they were with the XXXX lease and they said they would get back to me. a few days later they called and said their escrow company doesn't know how to do that and I would have to get my own escrow company. So I did and they went through the process and I finally got my loan refinanced correctly and legally. However, Loan depot never did pay the fines which are {$1200.00} ( see attached ). And XXXX never answered the many calls and just disappeared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 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: TX

Complaint narrative:
I have filed my identity thief report, my police report, submitted it to XXXX XXXX XXXX XXXX an Experian they removed this account from my report on XX/XX/XXXX I received an update on my report to my name as XXXX XXXX XXXX I contacted Experian to find out XXXX XXXX XXXX XXXX added the name to my file and updated documents to Experian in this name an they unblocked it after having my reports showing this name was used to open accounts. This is a fraudulent account from XXXX XXXX XXXX XXXX in someone else name! NOT MINE ITS IDENTITY THIEF! They have the reports!

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 2020-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
On XX/XX/2020 Dovenmuehle received a mortgage payment in the form of a money order in the amount of {$500.00}. They applied the funds to the mortgage as a payment. See attached statement. The next day they reversed the payment out calling it a " Long Form Misapplication Reversal ''. See attached statement. We have called them and emailed them asking why and what has happened to the payment. Todate we have had zero response or anyone on the phone that can help us. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My name is XXXX XXXX. I have been trying to hard to provide for myself. I am a hard worker, single and with a low income from ssi. I was a XXXX  at XXXX XXXX XXXX and am XXXX to start classes again this fall. I get frequent emails from them. Last few have been about local jobs in XXXX. I applied to one of them with XXXX XXXX. I was told that I was going to be working from home. And I was sent copies of checks by email. I did find it suspicious but XXXX XXXX told me that XXXX XXXX was a good company and that they had an office in XXXX. So I went on to deposit the checks to my online banking app with TD Bank like I was instructed. I also had to reach out to XXXX XXXX and paid them for the materials I needed to work from home. I was told to pay using XXXX and XXXX. Again I was worried but since I was told everything was fine I went on with it and also I was thinking maybe is because they are working from home due to the pandemic. And I had checked that there was a website for XXXX so I did the transactions. Now my accounts are frozen with TD Bank. And my phone was hacked. I even had a cd account because I am thinking of my future and those of my immediate family. I am so passionate about securing a future for myself if I need money for the future that because I could I invested in writing a book and getting it published. Future sales would mean future money just case things go wrong. Now I find myself not being able to pay my bills and the people from TD Bank are playing games with me, I've been on the phone so many times, to branches, and all for nothing. I just don't know what to do anymore. I don't want to be homeless or have my services shut off. I need help. I even provided a police report and copy of an email to the TD Bank on XXXX XXXX in XXXX, Massachusetts. They were nice. However when I had an appointment at the TD Bank on XXXX XXXX in XXXX, I was mistreated. Drove there for nothing and a person said they had made an error in giving me an appointment and she was correcting the error. All this from the other side of the door. No courtesy at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF 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 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I submitted a dispute on XX/XX/2020 to Portfolio Recoveries ( Account # XXXX ) and to all 3 credit bureaus about an inaccurate collection account that reported without sending me any notifications in the mail. 

It's been over 30 days, no response from any party and the account is still reporting on my credit report. By law it needs to be removed if they don't validate in 30 days.

Company response to consumer: Closed with explanation