vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Renew Financial Holdings Inc
State: CA

Complaint narrative:
We applied for a loan to do some upgrades on our house with XXXX. They, in turn, had us finance with Renew Financial. We had no option at the time. Unfortunately for us we did not read the fine print. We did ask if there was any prepayment penalty ; we were told and read that there was not. 

We decided to prepay this loan. We paid it off on XX/XX/2019. It was recorded as paid in full at the XXXX XXXX XXXX County Assessor 's office on XX/XX/2019. 

Our tax lien payment of {$1500.00} was sent out to Renew Financial on XX/XX/XXXX, XXXX from the XXXX XXXX XXXX County Assessors office. 

Yes, it is the same date. 

I have repeatedly called to get our tax payment back ( with interest ). I have been repeatedly been told not until XX/XX/2019, no interest. 

My question is, why, when the loan is paid off, have they held our tax payment? And then, why no interest paid. They have had his money for over 6 months. Why? 

When I called today, XX/XX/2019, to ask where my refund is, I was told there was an internal problem and that the checks went out on Wednesday XX/XX/2019 from their XXXX, CA office. 

I have no receipt of a check reimbursement as of XXXX XXXX, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XXXX XXXX. I logged into My Cash App. I havent used it in a while, but I was going to pay someone back for some tickets I had received. I thought I was to send payment to $ XXXX, so I entered XXXX, pay, and $ XXXX user name came up in the choices when I typed in just a few letters. I have not paid this user before, and it did not occur to me that it wasnt him. After I submitted the payment, a few minutes later, I received an email to the address associated with my account, which stated : $ XXXX had collected his payment. 
I assumed all was well. The next day, I hear that I was supposed to have paid $ XXXX. I promptly tried to contact the incorrect person who stole my money. This person had to actually select an option to pull the money that was not theirs, into their account. This constitutes fraud. To knowingly take money that is not yours. 

The party I was supposed to have paid alerted me that they didnt receive the payment. I then realized the mistake, and paid the correct party. He had mentioned I just needed to contact Cash App and they can cancel the incorrect payment. First, I tried to submit a request to $ XXXX to send my money back, with a note saying I had sent it in error. I received a notification of declined from this stranger. I went to request the payment again, and they have blocked me. 
On XX/XX/XXXX, I reached out via email to Cash Apps support listed on the internet. Here is the string of emails we sent back and forth. It is beyond my understanding why Cash Apps would not help me get this money back. If the party that stole it, did so in error, they deserved to be helped, if they did it on purpose and knew all they had to do to get rid of me, was to block me, then that is wrong too! 
I know XXXX from Cash Apps customer service, was just telling me what he thought he had to. I honestly believe that Cash Apps owes it to their customers ( me ) to at least reach out to the incorrect party and request that they return the money that they applied to their account in error. 
I contacted my own bank where the funds were drawn from to pay CASH APPS ; and they said I had to contact the 3rd party vendor, which is CASH APPS/Square. I was given a XXXX prefixed number ( XXXX ) that took me in a phone tree loop, and I was not able to speak to anyone at that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA COLLECTIONS # XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX XXXX XX/XX/14 I had free insurance plus I contact my ins people to pay this bill and they said they would I was at my sister house staying when I went to this medical dr so they been paid {$590.00} To a Dr XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: WAKEFIELD & ASSOCIATES, INC.
State: IN

Complaint narrative:
Two XXXX  bureau I have several issues on my credit report # 1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX I was waiting on my XXXX  to process I was not even a month behind., so I informed them taht my check would be arriving with in 36 hours. They said turned your vehicle in or we will come after it so I took it to the dealship where I bought it then they said they sold it and I owe them almost 5000 dollars. That XXXX was like new and they got close to 8000.00 plus for it. So the pay off was meet and they willl not produce any documentation on whom they sold it to plus what it was sold for. I want proof of this XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Arete Financial Group
State: FL

Complaint narrative:
$ XXXX monthly payments was originally taken by Arete Financial Freedom, then, {$250.00} and an enrollment fee of {$500.00} dollars.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$750.00} does not belong to me.This complaint is not a duplicate This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
to whom it May concern. The present is to show that since I lost my old job on XX/XX/2019 I have been requesting help through the bank that I have been assigned to pay my mortgage loan which is called Nations Direct Mortgage. These people offered me a help system called Loss Mitigation to approve something called Forbearance and then a Loan Modification since I was unemployed. These people required me a number of papers to be sent to the following e-mail : XXXX, but it has not helped since they continue to request the same papers that were already sent. I have even made arrangements by calling the offices to verify if the documents are correct and they have confirmed yes. I have phoned the bank in charge of my mortgage loan and the service provided to me has been the worst ; from insults to hang up the phone. I need to resolve this situation in the most professional way possible and without empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
$ XXXX  monthly payments was originally taken by XXXX XXXX XXXX, then, {$250.00} and an enrollment fee of {$500.00} dollars.

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 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: BlueChip Financial
State: CA

Complaint narrative:
A letter was written to Spotloan stating my hardship and inability to maintain terms of usurious loan. Original loan amount was for {$800.00} As of XX/XX/2019 I wrote spot loan letting them know my hardship and I had paid the full Principle of the Loan plus an additional XXXX XXXX 
This company changed the name of their company in order to attempt to debit my XXXX XXXX checking account despite me informing them they were no longer authorized to debit my account. I had a large unforeseen medical expense and am at risk for being evicted from my home so im unable to maintain paying back the interest on this loan that was at an usurious rate of 460 % which I have been now informed thru credit counseling is over the legal allowed interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
referred two accounts, but haven't received the bonus promised. Opened an ticket ( XXXX ) with them and they told me that I was eligible to receive the referral bonus, but after several months, nothing received ... Contacted them again, their CSR and supervisor just told me that ticket had been closed and they couldn't do anything now.

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 monetary relief
Consumer complaint received 2019-11-15 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: CO

Complaint narrative:
To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a XXXX   veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX XXXX  loans starting with XXXX reporting inaccurately to XXXX, Equifax and XXXX. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged  accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of Identity Theft. There are 2 accounts with Bank of America that are damaging my credit. They are not mine. I have send several demand letters to Bank of America and have heard no response to help is resolving my issue. I have also disputed these fraudulent accounts with the bureaus and am getting no where. I will attach my credit reports and identity theft affidavits. 

Account numbers are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
In XXXX of 2019 my wife 's car was broken into and her purse was stolen. We immediately alerted all credit card companies of the situation and she was sent new credit cards. A homeless couple was found in possession of some of my wife 's stuff and was prosecuted. I can provide you with information on this case if needed. 
Unfortunately - on XX/XX/2019 someone started using my Barclay 's Visa card ( which my wife and I share jointly ) and racked up {$3600.00} in charges from XX/XX/2019 to XX/XX/2019. Charges vary from Bus passes, food purchases, to items purchased at XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, etc ... On XX/XX/2019 they even purchased a {$30.00} calling card from XXXX XXXX so an inmate could make calls from prison. Why would I buy an inmate a calling card? My wife and I rarely use this Barclay 's Visa card as it is only used for emergencies. We did not make these charges and alerted Barclay 's Visa as soon as we learned that these charges had been made. We filed Police reports with both the XXXX Police department and the XXXX County Sheriffs Offices as these fraudulent charges were made in both Oregon and Washington State. Barclay 's Visa originally credited our account when we first reported this fraud to them but later ( XX/XX/2019 ) put them all back on our account saying that because I still had both credit cards in my possession that I was responsible. ( These charges were made under my original Barclay 's Visa Card and also the new Barclay 's Visa card that was issued to me when my wife 's purse was stolen ). We have called Barclay 's Visa numerous times to dispute these charges but they refuse to help with this matter. They know this is fraud and refuse to help. They even refused to give me the times when these purchases were made so that the police can look at video to see who is actually making these purchases. I need help with this as Barclay 's Visa is refusing to assist in anyway. Thank you.

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 2019-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found three ( 3 ) unauthorized hard inquiries on my Equifax credit report. Called them direct and their representative asked numerous questions concerning my identity. After about 30 minutes, she wanted to know my problem, Told her I wanted these inquiries taken off my report because I never authorized these companies to check my credit. She told me she couldn't help me on the phone and didn't give me a reason why! Told me to call the companies direct. To sum it up, " can't dispute hard inquiries '' Found three ( 3 ) different unauthorized hard inquiries on my XXXX  credit report also. I called, and they  gave me the same run around. I'm to the point afraid to call XXXX, where I don't know want I'll encounter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
I went to pay on my load and as I was there I asked what loan number I was on, Because I wanted to set up payment plan. I was told by XXXX that they were no longer offering or had to offer one. Indiana state law says that payday loans retailers have to offer one which you have to pay off in 60 days. Tried to explain this but they stated they were pulling away from that. I would like to see if you can give me clarification on this. 
Thanks Date XX/XX/19 time XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: MECHANICS BANK
State: AZ

Complaint narrative:
The company has harassed me throughout the past several months. At one point one agent has told me, you need to grow up and learn how to pay your bills. Ive been threatened to remove my items out of my vehicle at work so someone could repossess it. Ive been bullied and harassed in the phone. Ive asked several times to call during their business hours when I am not at work and have provided them with my work schedule. They refuse and constantly call me at work even though Ive explained I will lose my job. I have refused managers, when I ask to speak to a supervisor with a new excuse every time. Ive been hung up on and mistreated every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of Identity Theft. 

Portfolio Recov is reporting on XXXX collection my credit file that is extremely damaging to my credit. i am getting no response from the collection agency reporting this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hunt & Henriques
State: CA

Complaint narrative:
I had a XXXX XXXX credit card that unfraternally went default due to a hardship that I am going thru. The account went charge off, I called XXXX XXXX with the hope to get a resolve my balance and prevent any legal collection. 
During my call with XXXX  XXXX I explained my situation and they offered the option to settle the account for less than the balance, I told them I could get a family loan for {$2000.00} dollars, the XXXX  XXXX representative answered he cant settle for that amount but will ask for an approval, He asked for some for XXXX  XXXX approval or decline my offer. 
After a few days of waiting, I called XXXX XXXX asking for the decision of my offer, but I was informed that the account was assigned to a Law Firm. 
This Law Firm is named Hunt and Henriques, so I called them but when I first called, they didnt have the file set up, so I just left my contact information. 
A few days later this Law Firm called me. At the beginning of the call the representative informed me that he was a debt collector, not an attorney. I asked if the company was a debt collection agency or a Law Firm, due to the activities they perform he clarified they are not attorneys, but they are debt collectors. 
In this initial call, the representative asked how I can pay the balance, but I explained that I was not able to do due to my financial crisis and the hardship I am going thru. I informed him I can get a family loan to settle the debt and I was waiting for XXXX XXXX approval of my offer before they sent the account to his office. At the end of the call he clearly threats me with a lawsuit because we did not meet in an agreement. 
A few days later, I received a second call from the same law office/collection agency, The representative asked for a payment in full and this time the pushed me hard to pay off the debt, for second time I explained my financial situation and this time the representative asked for my monthly income, expenses and the source of the income. After I answered all his questions about my financial crisis, the representative suggested that I was lying, and my answers do not make sense to him ; It was not a nice call since the collector called my layer. I asked to the collector if he can forward and show my offer to his client ( XXXX XXXX ) but he responded that was not possible because he was expecting to collect the entire debt and for second time, I receive a threat that I will get suit since I could not pay the debt.

Company response to consumer: Closed with explanation