vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
Called on : XX/XX/XXXX at XXXX XXXX  I received a call reporting to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I am to contact a legal group about a debt. They provided no information on what the debt is for, but said I had 24 hours to reply or they will take me to court. I requested documentation on the matter and they said to reach out to the law firm. 

Law firm in question is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. 
Website which looks fake - XXXX XXXX XXXX  Called their number, left a message and had no call back. 

Call 2 : XX/XX/XXXX at XXXX XXXX  Received a call in the morning from " XXXX XXXX '' saying that they have not been told of any actions and that I will be taken to court if this is not done by tonight. 
15 minutes later I am then called back about the so called debt which they refuse to provide me documentation outside of an email. They asked to verify my last 4 social, which is all that ever shows up on letters or other reports and my email. He was very unprofessional. 

Current balance : {$590.00} ( {$290.00} x 2 MONTHLY ) Settlement offer : {$510.00} The email ( copied below ) does not give any history of the loan other than the company name 'Ace Cash Express ' and that I should pay over the phone immediately or be taken to court. The 'lawyer ' also said he is pushing to go to court to make more money. So refusing to provide me proper documentation for personal gain. 

Email came from : XXXX XXXX XXXX I feel I am to assume that all lawyers there use the same email address. 
XXXX Email received : Please be advised that all rights and obligations of the aforementioned account are with XXXX, XXXX XXXX  XXXX. Our office has retained the rights to assist you in bringing your delinquent account to a close. 

You are being offered a settlement to close your account for {$510.00}. Once the payment ( s ) post to your account : it will be considered Paid in Full. Payments can be processed over the phone with a pre-paid, debit card or credit card on or before XX/XX/XXXX. If funds are charged back, this letter will be null and void. 
If you have any questions relative to the above referenced account, please do not hesitate to contact our office @ ( XXXX ) XXXX, Monday through Friday XXXX. Please refer to the file number indicated above. 

Federal law requires we notify you that this communication is from a debt collector in an attempt to collect a debt and any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These accounts are hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This company at number XXXX has called me with a couple other numbers every few days but has called with this number on XX/XX/XXXX, XX/XX/2020 twice and XX/XX/XXXX. They are looking for someone else and i have told them repeatedly i am not that person. They said they will take me off the calling list but its been 6 months and they havent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have requested a letter stating that my wife has been removed as an authorized user on three different occasions. On each occasion a letter is faxed but the requested information is never listed. The fax takes 24-48 hours to come through so this process has now been unfolding for over a week.

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 2020-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
there was a restriction placed on my card and they are denying me access to my money

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 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
My name is XXXX XXXX. My mortgage was transferred by XXXX to Rushmore Loan Services for no obvious reason. My Rushmore loan account number is XXXX. One : It has been XXXX  ever since. Rushmore has REFUSED to provide me a COMPLETE amortization schedule covering the life term of the loan from 2018 to the end despite all my requests. Twice they sent an incomplete amortization schedule feigning ignorance. Two : Rushmore has REFUSED to adhere to the stipulated amount in the amortization schedule. I wrote them twice to stick to the amortization schedule but to no avail. They believe in arbitrariness since they wrote me that the amortization schedule was ONLY a guide. They took ALL my first payment as their interest with zero credited to my principal. I did NOT engage their services. All pleas for explanation fell on deaf ears. Contrary to their amortization schedule for a loan balance of {$47000.00} their stipulated interest is about {$200.00} but this XXXX they have decided to collect about {$300.00} as interest. I have lost about {$2000.00} to their unwary antics and unscrupulous means. Three : since the inception of my loan with XXXX and then XXXX  I have been handling my XXXX XXXX Property tax and AliefISD tax by myself but Rushmore decided to add it to my Escrow account. I wrote them thrice to leave it out but they have chosen to ignore me. Now my fixed monthly payment of {$540.00} is being disrupted because Rushmore has refused to follow simple instruction. My fixed monthly payment of {$540.00} is being diverted to a suspense account with a contrived late payment charge of {$15.00} and even letter of threats to report me to the credit agencies. They have deducted about {$30.00} late payment penalty for this. Your assistance or intervention is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company XXXX XXXX, ALLEGED account # : XXXX XXXX XXXX ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX XXXX, XXXX XXXX CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


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 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've been a customer for CITIBANK for over a 7 years now, however, and out of nowhere, they have started bugging me non stop for ID verification requests by mail, online, and calls. I tried numerous times on their mobile app to submit my REAL ID California state issued driver license but the app kept rejecting it without giving me any reason why. However, they emailed me a letter many times through encrypted links that you can't read without a password and in the same time the letter has expiration date then it vanishes so to trace for it but I took a screenshot of it and I'll attach it to the complaint. 
I submitted my Real ID California DL through their encrypted links at least twice but Mr. XXXX XXXX from citibank called me many times requesting to submit another type of ID to accept it for verification purpose based on the same list that shows in the letter they kept emailing through the encrypted link. 
The only accepted list according to Mr. XXXX is : US Passport, US Birth Certificate, US Green Card, Certificate of Naturalization, Non US Passport with Visa, or NON US Passport with Work Authorization Card.

So Valid California DL is NOT accepted for them and I must submit one of ID verification from the list above OR they will block my accounts ( and they already did block them so far ) then they will cancel and close them. 
It's obvious that they are NOT looking for ID verification since I've been their customer for over a 7 years and kept rejecting my DL, rather in reality they want a verification for immigration status!

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 2020-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One ; In XX/XX/XXXXpromised to process my refund in amount of {$400.00} in a certain time frame of 7-10 days, Capital One, has not delivered on their promise as to date, they have reported negative account information, and have not contractually the obligation of full disclosure, including A/R and A/P of account and has not disclosed in tax information, original contractual agreement, insurance polices etc.. which mean contract is void by their breach/ failure to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed a dispute letter with Transunion regarding accounts reporting on my credit report. I mailed the letter on XX/XX/2020 and my letter was received by them on XX/XX/2020. On XX/XX/2020, I mailed a 30 day no response letter and I have not received a response.

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 2020-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
i sent my 2nd letter to southern credit recovery on XX/XX/2020, they did not respond to my first letter from XXXX XXXX, and it is not marked as disputed on XXXX as has been over the 30 days allowed by law.so i am asking it be deleted before i consult with an Attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
For the last few weeks This company PARAMOUNT XXXX has masked there number so it can come up as private & told me to call number ( XXXX ) XXXX the person called me was named XXXX she has harrassed me, my parents & friends with threatening voicemails & calls ... I have no idea what this debt is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Kriya Capital, LLC
State: CO

Complaint narrative:
Credence Resource Management, a collection company, has wrongly accessed my credit report and listed a false account collection. I have not opened any accounts within the last 2 years.  They say I opened an account in XX/XX/2020, with a balance of {$600.00} that is past due. I have no accounts that are past due. They do mot have my permission to access my account. I want this removed from all credit reporting accounts in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have never lived at these addresses or worked for these companies, and have no idea why you have all these phone numbers on my credit profile ; this is unacceptable. Why would they remove them from my credit report? Trans Union is the only credit agency reporting this incorrect on my credit profile. 


I have never lived at these addresses XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX I have never had these phone numbers XXXX XXXX XXXX XXXX XXXX I have never worked on for these companies 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 2020-10-08 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This dispute is regarding a credit card that was issued by Wells Fargo for {$13000.00} In XX/XX/2019 I received the card and used it for Approximately {$3000.00}. The remainder of the funds were used fraudulently by someone else ( {$9000.00} ) I filed a dispute with Wells Fargo, they investigated the fraud and said that they had proof that the charges were mine. They refused to furnish me with the proof and insisted the charges were mine and that they are going to report it to the credit bureau. I am not responsible for the charges and want to see the evidence so I can file a police report but they are not cooperating with me. What do I do next to resolve this matter?

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 2020-10-08 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: MD

Complaint narrative:
I am a victim of identity theft & I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have told them plenty of times that I never resided with my mother nor signed a lease. I was in XXXX XXXX FL around the time they stated this account was opened XX/XX/2016. I was still working for XXXX that was in XXXX FL. I advised them of this and still this is on my account no documentation or anything was sent to me. All i seen was my XXXX with this info on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: MD

Complaint narrative:
I am a victim of identity theft, I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.

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 2020-10-08 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 would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts 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 2020-10-08 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: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation