vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
My complaint is about XXXX XXXX located in XXXX, IL. 
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX  XXXX XXXX. I called them and they said to call XXXX XXXX at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX  XXXX nor this XXXX XXXX. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: NM

Complaint narrative:
There is 4 new inquiries with TransUnion that I dont know anything about. I was notified by email on my XXXX XXXX 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 2020-05-08 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Sequium Asset Solutions. Along with a plethora of fraudulent credit inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: GA

Complaint narrative:
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Along with a plethora of fraudulent credit inquiries.

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 2020-05-08 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: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
To whom this may concern : I have had an on-going credit card dispute with Chase since a charge was posted to my credit card in XXXX. I was sent a notice letter from Chase on XXXX XXXX and given until XXXX XXXX to reply with any information that could help them to resolve my dispute with the merchant. I replied on XXXX XXXX with the form filled out and accompanied it with all of the information attached to build my case ( see attachment below ). I received an automatic reply from Chase XXXX XXXX XXXX see attachment below ) saying that my message was received, giving me every reason to believe the message was indeed received and to not contact them further due to high volumes of requests they are receiving. I then received a letter on XXXX XXXX saying that the charge was valid. I proceeded to send them a message questioning this. I heard nothing back so I called them on XXXX XXXX. The Chase employee told me they have no record of receiving my initial message XXXX XXXX though I can clearly see it on my end in my Message Center on their website and was even sent an auto-reply from Chase that I have in my inbox dated XXXX XXXX that says " We received your message ''. I now also have taken a video of it along with the screenshots below. She said not to worry, submit all of my information again and they will re-open my claim. I get a message today, XXXX XXXX saying that I am being rebilled for the initial charge because too much time has passed and the charge took place too long ago. I phoned them because I have adhered to all of the required deadlines to reply to them on time, it is them who took too long to respond to me. Too much time has passed because of Chase 's lengthy response time and faulty website, not because me as a consumer took too long. It is crazy how unhelpful they have been and that they state so matter of factly that there's simply nothing they can do at this stage and they don't see what I see on my webpage neither do they have any record of receiving anything from me XXXX XXXX when I literally have proof that's what I see on THEIR website. 

It's a lot of money and to lose this money not at the fault of the merchant but now because of how Chase has faulty procedures and is so unhelpful, is incredibly upsetting. You want to bank with companies because they should be on your side and help in situations such as this. During COVID, it's extenuating circumstances, I've been patient while this process drags on for months now. But when they as a company make mistakes and take long, they should accept the mistake as their own and resolve them with their clients. 

I look forward to hearing from you at your earliest convenience and thank you so much for your help. Stay safe. 

Best regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
I applied for a job on IXXXX  and the guy named XXXX XXXX emailed me referring he was from Indeed and was offering me the position. The job was for a personal chauffeur. He sent a check for me from his company, I looked it up to make sure that it was a real company in which it was. I took the check to the bank which is XXXX XXXX XXXX XXXX. I told the teller about the job and that I wasnt too sure about the check but I applied on Indeed for the job. She said they would hold it for 2 days to make sure it was verified. Next thing I know {$200.00} and {$3800.00} was coming out of my account from Cash App to someone named $ XXXX. XXXX   and I tried contacting cash app and they were no help at all. They just give you the run around. Bank account went into negative by $ XXXX. I had to file police report and get a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I'm a Chase Bank customer and I have been doing global wire transfer with them without any issue, however, I wired {$50000.00} to my brother on XX/XX/2020 which is the date Chase claimed the wire was completed but the recipient never receive the money. I contacted Chase three weeks ago and as of now there is no solution for my problem. They said a week ago that they initiated a wire recall but I did not believe them as such process will not take that long. The case number for this issue is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings  regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a current balance of {$20000.00}, as well as reporting that I am ( 120 ) days late on the OAG CHILD SU/OFFICE OF THE ATTY GEN partial account number XXXX. ( Please see page attached from my credit report. ) This account is current and needs to report a {$0.00} balance. There were never any late payments. All scheduled monthly payments were made on time. The child support was recently modified and there is no current order. I have attached a copy ( 1 ) Child Support Review Order ; ( 2 ) Current Child Support modification, and ( 3 ) Child Support Judgment ( Release ). This incorrect reporting of an account with a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a current balance of {$20000.00}, as well as reporting that I am ( 120 ) days late on the OAG CHILD SU/OFFICE OF THE ATTY GEN partial account number XXXX. ( Please see page attached from my credit report. ) This account is current and needs to report a {$0.00} balance. There were never any late payments. All scheduled monthly payments were made on time. The child support was recently modified and there is no current order. I have attached a copy ( 1 ) Child Support Review Order ; ( 2 ) Current Child Support modification, and ( 3 ) Child Support Judgment ( Release ). This incorrect reporting of an account with a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-08 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: Arcadia Holdings, LLC
State: NJ

Complaint narrative:
I paid Arcadia Recovery collections on XX/XX/2020. My account is reported every month and was reported as a Collection on XX/XX/XXXX and XX/XX/XXXX even though it was paid. I also disputed the balance with XXXX  and XXXX. Arcadia will not report this collection as paid and told me I had to wait 60-90 days. I cant get approved for my house and am living from place to place until this collection is reported as settled so I can get my mortgage pre-approval. Arcadia is making me wait 3 months ( 90 days ) and I just want to move into a house. Please see if Arcadia can report this account as paid or settled, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I placed a permanent security freeze on my TransUnion credit report circa XXXX after being the victim of identity theft. I have requested several times since XX/XX/XXXXto have this freeze permanently removed. To date, I am still unable to obtain credit reports through TransUnion because of what they have described as a " partial freeze '' each time, they have assured me it would be resolved and the freeze would be lifted, but to no avail.

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 2020-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX for an XXXX  account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month. 

1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to Midland credit stating the don't have that authority. 

2. When i called midland credit asking for the same thing, they sent me back to XXXX XXXX XXXX stating the account is no longer in their hands. 

3. I submitted an offer to XXXX XXXX XXXX on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from XXXX XXXX XXXX stating i have two weeks to respond before they start a discovery and file in court. 

5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau. 

I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between Midland Credit & XXXX XXXX . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
Ford Motor Company reported 30 months of late payments. I owed {$1700.00} left on a vehicle costing {$27000.00}. My car payments were {$350.00} The car was a charge off but they continue to add late payments every month even though the account is closed. I have Repeating disputed this issue. The credit companies claim they investigate it. The information isnt correct, I tried Initially to have them repurchase the car under lemon law. They wouldnt allow me to although the vehicle has had several class action suits the latest being the air bag failure. Ford fights every case hoping the consumer will lose interest. I am Hopeful I can receive help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vericred Solutions LLC
State: FL

Complaint narrative:
The company calling me pertaining to this debt, Vericred Solutions LLC, is calling my cell phone repeatedly every single day. I believe they may be calling my wife 's cell phone number as well and I will verify this. They do not have my consent to call my cell phone and they are calling me using an auto-dialing system and leaving recorded messages using an auto-dialer campaign system. An another note this debt is very old. It was an auto loan taken out with another bank going years back. The vehicle was voluntarily surrendered due to medical hardship in my family and the loan was eventually charged off after the vehicle was turned in. Prior to the vehicle begin surrendered the loan was paid each month ON TIME and never missed a payment, as the credit reporting shows. My credit report shows a balance on this loan of XXXX and I question this as as I paid for several years on this loan, with the original creditor, and all payments were on time. This loan has since been 'sold off ' to various 3rd party agencies so I believe the balance has increased due to unfair fees and additional interest which warrants a review to determine if UDAAP laws have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
This account was paid in full. Company offered to be removed. This account has not yet been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid my two months mortgage amount of {$3300.00} ( XXXX 2020 ) and {$3300.00} ( XX/XX/ 2020 ) to my lender ( XXXX XXXX - XXXX XXXX ). Then I also received another payment notice from TIAA Bank that said my loan was sold to them on XX/XX/2020. I have not received any Goodbye Letter from my lender, nor did my Welcome Letter from TIAA Bank. I provided my bank statement for those two payments to TIAA Bank shows the proof of payments, and never got a reply from them. I called XXXX XXXX and request the Goodbye letter, which indicates - The servicing of your mortgage loan is being transferred, effective XX/XX/ 2020. 

My complaint is the lack of information when the loan was transferred to one servicer to another. I am not properly informed my loan had been transferred. As a result, payments made to either the prior or current servicer around the time of the transfer were not applied to the account.

Company response to consumer: Closed with explanation