vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I had applied online to ace express for a loan back in XXXX or XXXX of XXXX I received the money but decided that I didnt need it. I called then to let them know that I no longer need it once I did that they gave me a website to send an email saying that I no longer need the loan. Tried to send the money back and there system was not working on getting it back they kept saying that my bank was not allowing the transfer. I called my bank and my bank said that they were the ones that was not letting the transfer go through. I took the money out to try to add to a different XXXX card to send it back but it was doing the same. They told me to open a new bank account and give them access to it so they can take the money out. I said I wasnt going to do that, they already have my bank card info, that they shouldnt have any issues getting the money back. I tried and tried and they were saying that I am the one that didnt want to pay it back when I kept in contact with them and tried to send the money back. Well I Lost my job in the process of trying to get them to take the money and they kept calling and I kept telling them that I no longer have a job and can not pay at the moment. They kept calling and kept adding more interest into the account and I am still with no work. I kept telling them that I can not pay. Once I have a job then I can maybe pay little by little and they said that I had to pay the full amount at once. Months past and never heard from them. I finally received a call from a law firm called XXXX XXXX XXXX saying that I have till XX/XX/XXXX to call them regarding a complaint about me. So I called and a guy answered I gave him my name and he looked me up. I asked what it was about and why I am being sued for {$1500.00}. He said it was from ACE Express and that I will receive a court date on Monday or something this coming week on when I have to appear. I said I dont understand and he simply hung up on me without saying anything else. I am so confused why do I need to go to court when I tried to pay them and they never took it and never got call, mail or email from them and now they are calling saying that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i payed 30 % of my debt with Citibank credit cards and in return the decreased my limit within one day of my payment and the consequences of that will hurt my credit score even more.

the have already reported me for having used up my credit limit to 90 % and now when I bring it down to 60 % the decrease my credit limit.

that is total abuse of human kind. 
i will fight this tooth and nail!

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 2020-10-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
If you look at the paper work I have attached you will note they claim they sold my loan in XX/XX/XXXX to XXXX XXXX that may be true I have no idea but I know one thing they repossessed my truck in XX/XX/XXXX. They try to say that happened on XX/XX/XXXX. 
The payments stopped in XX/XX/XXXX if they were to repo it in XX/XX/XXXX that would be 10 months without a payment. The XX/XX/XXXX date would be 6 months with the holidays at the end of the year. I know the date of repo as my insurance was canceled the following monday XX/XX/XXXX. They have been asked several times by me to produce paper work from the repo for me they have not. If you look at the XX/XX/XXXX letter you will note that they admit they caused the delinquency of my loan but fail to address the loss that I suffered by such and sent a check for XXXX not even close to what they in fact owe me. 
How can a Bank be so confused? They claim on XX/XX/XXXX I called and asked for them to repo my truck that is 100 % false and a lie. They have learned nothing by the actions taken so far against them. They are getting worse and 1 of 2 things needs to happen they need to refund people in full without lies or 2 go out of business. Wells fargo Bank is doing no one any any good the way there still doing business. It is XXXX and they have been playing games like this for 20 years there is no reason for this at all. NONE

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 2020-10-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX, IL to pay a {$120.00} debt that I owned. On that same day I received a letter in the mail saying the bill had been sent to collections. I called the debt collector and told them I had just paid this with the hospital and I also provided my confirmation number for my payment. On XX/XX/XXXX I show that the {$120.00} that I paid to the hospital was taken out of my bank account. Now on XX/XX/XXXX I was left a voicemail by the debt collector saying I needed to call them. When I called I stated I did not have any outstanding debt that I know of. The case worker assigned to me was very rude off the bat for no reason. When I told her I had already paid this debt, the case worker was rude and adamant that I was wrong and that I still owned the money, that the confirmation number I provided, the hospital said I did not pay. When I asked why am I just now getting a phone call over a month later she said she has called and left many voicemails but I can also prove with phone records that I do not have a single call or voicemail from her. I stated that if she did call me, would she not think I would call her back like I am now, since I didnt believe I had any outstanding debt? She got even more agitated when I said this better not go against my credit because I know and have proof I paid it. After getting off the phone with the debt collector, I called the hospital and they even confirmed that I DID pay and my account had a XXXX balance. The hospital told me to ignore the collection agency but this needs to be resolved because I do not trust the caseworker to handle this professionally based off her rude attitude from the start. I own a business and if an employee talked to any customer this way they would be out the door.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by 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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I am writing this in regards to my home that is in a trial payment plan. We were given a payment plan in which we have kept the payments for four months. We are on the fifth and the sixth is the final payment. Recently, we heard from a third party that we need to be careful with Rushmore Loan Management because they cheat people. We are concerned that we have been making these payments only to be XXXX in the end. Our house is up for sale on the XXXX of XXXX. I am confused to why this is happening, even though we have been making payments? There should not be any type of sale going on for our home. We've also received multiple letters in the past about our home being postponed for foreclosure. This is also a problem/confusion. 

WE DO NOT WANT TO BE CHEATED! 

Its unbelievable to me how people can be cold-hearted during a pandemic and take someone's home from them and put them on the street. 

I would like CFPB to look into this and make sure that this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: FL

Complaint narrative:
My card and account was used WITHOUT my permission, for over a month time. I disputed all the transactions and it got denied. Whoever stole my debit card used over a XXXX dollars that I'm now out of because they didn't find a issue with the transactions. I'm very very very XXXX off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried working with Transunion in regards to many unauthorized inquiries on my report. I told the representative that these inquiries are not mine and that I have a fraud alert on my credit report so why are there inquiries without my authorization and ask them to verify the inquiries on my behalf. They refuse to and said they can't do it and I have to call each individual company and dispute it with them. Since I didn't authorize the inquiries I feel its Transunion who should verify the accuracy of the inquiries. They refuse to. Please help me file a complaint against Transunion and help me remove these unauthorized inquiries. I have list the inquiries below. 

1_ XXXX XXXX XXXX _ Inquiry date XX/XX/XXXX 2_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 3_XXXX XXXX XXXX _ Inquiry date XX/XX/XXXX 4_XXXX XXXX _ Inquiry date XX/XX/XXXX 5_ XXXX XXXX _ Inquiry date XX/XX/XXXX 6_ XXXX XXXX XXXX _ Inquiry dateXX/XX/XXXX 7_XXXX Auto Finance _ Inquiry date XX/XX/XXXX 8_ XXXX XXXX _ Inquiry XX/XX/XXXX 9_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 10_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 11_ XXXX/XXXX  XXXX  _ Inquiry date XX/XX/XXXX XX/XX/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 2020-10-30 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX of this year, just before property taxes were due, I realized on one of my mortgages the escrow account did not pay my property taxes as of said date.

I called Shellpoint inquiring as to why my taxes weren't paid yet? They said they would respond with 72 hours ... No response ... I call back again ... same response - " we will call you back in 72hours '' ... another 72 hrs later zero response..This went on for almost two months when finally I called and they said the escrow account is short and they need to recalculate what the dollar amount is ... ... They said they would get back to me in 72 hrs ... No call back since Shellpoint took over as lender at the beginning of the year I have been on automatic withdrawal on all 3 accounts I asked them until they get this adjustment corrected should I refrain from automatic withdrawal ... They said thats not a problem as they would rectify this issue quickly and get back to me
within 72 hours ... Absolutely aero response I call into Shellpoint in XXXX to ask if they paid the property taxes and penalty and wanted to make sure I wa n't being charged for this error on their part and penalty for unpaid taxes They assured me they didnt charge me and sent me a letter justifying the charges and that they paid the penalty ... At this time they didn't mention I had to pay XXXX 's mortgage payment ... And I was put back on automatic withdrawal so I figured they worked it all out and I would just get automatically billed for the new amount It wasn ; t until a few weeks ago did I get notification that my credit score showed a missed mortgage payment for XXXX I immediately called them and every 3 days when I call in have been given the same speech - " we are looking into it and will get back with you within 72 hours ... ZERO RESPONSE!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can
reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation