vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 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: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Try to solve it using a link on XXXX XXXX ( XXXX ) and it says the information is correct. Which is not, account are older than 7 years and collection agency had altered the dates so it still shows on my credit report. {$1000.00} XX/XX/XXXX, the other one {$2300.00} XX/XX/XXXX. Im just asking for fairness, this is affecting the welfare of my children directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
My husband and I applied with our mortgage company, BB & T Home Mortgage, to refinance our mortgage on XX/XX/2020. During that process we were charged twice for an appraisal and a credit report. We paid by check # XXXX dated XX/XX/2020, the amount of {$560.00}, and originally with our Visa Debit Card on XX/XX/2020, the amount of {$560.00}. They only obtained one appraisal and one credit report, and we are simply asking to be refunded in the amount of {$560.00}. We have asked repeated and to date have not received a refund.

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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2019 with Capital One XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Capital One XXXX, XXXX has taken federal reserve notes every month since the initiation of consumer credit transaction. Capital One XXXX, XXXX, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Capital One XXXX XXXXXXXX have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am a customer with PNC bank. I have a personal account and a business account there. 
I applied for the PPP 1 loan. I submitted complete and clear documentation indicating that I had a few W-2 employees and the rest 1099 employees. PNC approved a loan for {$110000.00} indicating that everything I submitted for was eligible under the statute. 

Six months later, they came back and said that the 1099 's were not eligible to receive the money and they were recalling {$75000.00} of the loan. We have called PNC on multiple occasions during which they a ) erroneously told us that originally the 1099 's were allowed and that the SBA changed the rules. SBA confirms that this was not true. b ) refused to give us a copy of the underwriter 's document to let us know who at PNC approved the loan c ) a number of the people we spoke with refused to give us their names and d ) they told us there is language in their loan that indicates 'regardless of whether there is lender or borrower error, PNC is not responsible. '' According to other banks I have spoken with, PNC could have worked with us un multiple ways to get a better outcome for us, but they took know responsibility for us as a client or for their error. 

I know this is a CONSUMER agency. We have appealed to the SBA. 
We have appealed to our Congressperson We have appealed to PNC No one is listening to us and seemingly everyone has a way out of liability for this except for us. I am a consider of PNC and I desperately need someone to hold PNC accountable for their unethical practices here. They have put up numerous roadblocks to helping us in any way for an error that is clearly theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
Upon checking my credit file I saw Franklin Collections on my account multiple times for the amounts of XXXX $ # XXXX, XXXX $ # XXXX, XXXX $ # XXXX, XXXX {$100000.00}. First off I am a veteran and the VA takes care of any and all of my medical bills. Second I never received no type of communication phone call nor dunning letter about these alleged bills. Third I contacted XXXX in regards to what i saw on my credit file they have no knowledge of these bills nor it being sent to collections because they stated they area non-profit hospital so they do not send bills via third party for payment it gets charged off if something is not paid but they have no record the these bills in their system. This is not my debt and I want this removed from all reporting agencies and credit files until they can provide LEGAL documentation stating I did business with them in which i Never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Well I was trying to log into my accounts and current bank does sound kind of closed on me or they suspended my account so I didnt know the reason why so I had use their support line online and talk to them through there and asked them why my account was suspended they didnt give me a reason why my account was suspended. Its been quite some times like a month and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I overpaid my JCP acct by {$380.00}. I called to cancel the card and ask the {$380.00} balance be refunded and was told in order to do so I would have to agree to going on a website and be video recorded with a government issued ID!!! XXXX?!! My social and address have not changed- this is an invasion of privacy and it potentially leaves me open to identity theft!!! Wrong, wrong wrong! 
I am notifying XXXX as well since Ive made my payments via their online bill pay for years!! I sent a letter to the FL attorney generals office as well- they have absolutely no right to request anything of the sort- especially if they corporately are not going to assume financial liability if my identity and that of others is compromised via this third party! I want it stopped and I want my overpayment returned immediately

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 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage servicer is New Rez. They are stating that they never received my payments for XXXX and XX/XX/2021. I contacted my bank ( they were sent through my bank 's bill pay ). They provided confirmation of payments. I have verbally told New Rez this, sent them these statements via snail mail ( with confirmation of delivery from XXXX ), faxed, and emailed them the proof of payments. However, it is now XXXX, and they are not recognizing the payments. Can you please help me? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WESBANCO BANK, INC.
State: PA

Complaint narrative:
We took out a loan with WesBanco that included a payment for PMI insurance. We made significant improvements to our home and requested that we be connected to the process to remove PMI. We got shuttled around to a bunch of different people- and everyone told us they have no process to remove PMI by way of a reassessment. We know this is not how the law works, and have used property assessments to drop PMI with prior lenders. 

However, we got such a runaround and interest rates were so favorable that we decided to re-fiance. We engaged in that process and our loan was sold to XXXX. However, WesBanco began to send us a bill for XXXX $ a month. We went to speak with them at the branch and were told that WesBanco had made a double payment for our property taxes and that they now expected to recover from us, instead of the tax authorities. Because of this, the representative I spoke to told me not to make any payment and that they would take care of the issue. 

But then, a few weeks later, I got a call from a WesBanco representative stating I needed to make the payments or else they would place a lien on my home. I asked them to provide a written explanation for why, after refinancing and selling my loan, they were demanding further payment from me. The WesBanco representative said, " You signed paperwork with your loan that says that you are responsible to sign anything that needs to be signed later, so this is your responsibility. '' I told her that 1 ) I would like a copy of whatever document she was referencing - so that I could ascertain if such documentation placed the burden on me to work on the bank 's behalf to recover any funds they may have overpaid and 2 ) that I had still recieved no written notification that made an accounting for why I owed any money in the first place. She refused to agree to do this and informed me that they were sending the account to collections and would place a lien on my house. 

If the bank will provide a balance sheet that fairly shows that money is due, I will make prompt payment of the original balance. I will decline to pay any late fees, if any, as I think that it is reasonable for me to expect that they would have assessed the correct amount at the time of closing and, if not, reach out to me with a clear, written communication that demonstrated why the money was due. 

Simply saying, you owe us money because we said so ( especially after several representatives told us we did not ) is unacceptable, especially considering that we got into this issue in the first place because this bank refused to engaged in a PMI removal process, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am a identity theft victim due to an XXXX credit breech. This mobile account was a result of identity theft it is unauthorized XXXX is the original creditor for this fraudulent account balance {$2100.00}.

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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I, XXXX XXXX, entered a consumer credit transaction with Synchrony Bank. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Synchrony Bank has taken federal reserve notes every month since the initiation of consumer credit transaction. Synchrony Bank did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Synchrony Bank have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

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 2021-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have requested in investigation into the inaccurate information being reported on my credit report from a creditor XXXX XXXX. I submitted a request to have the information validated and verified to the XXXX  and Transunion XX/XX/XXXX and XX/XX/XXXX. Both XXXX and Transunion failed to properly investigate and provide me with information regarding their findings. 

XXXX is reporting varying information to both creditors. ( Please see attached documentation of the information they have provided ) they are reporting date account opened to be XX/XX/XXXX with Transunion and XX/XX/XXXX with XXXX. Although I have requested this information be investigated on numerous occasions the status of the last date updated with XXXX  was XX/XX/XXXX. XXXX failed to investigate an or provide me with any information regarding their investigation or findings, yet updated my account on XX/XX/XXXX As of now, I have not received a reply from either data furnisher regarding acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. XXXX  is showing an account status of XXXX I requested a verification of debt from the original creditor on XX/XX/XXXX requesting that they substantiate the validity of the debt under my right to Fair Debt Practices act to which they have failed to reply with any information to verify the debt owed to 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 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX account XXXX. 

This account is closed and paid in full, remove any missed payments from credit report immediately, we paid you XXXX in less than 2 months. 

We are done with AMEX except a potential lawsuit. This company is the absolute worst. 

While AMEX can not be responsible for all the behaviour of vendors swiping its cards, it is fully aware of the circumstances surrounding 99 % of its charges. It is fully aware of the number of issues, for example, that it may have had with a certain merchant, or the number of disputes filed involving similar circumstances. In short, AMEX knows exactly what is going on here, or at least the basics of it. They know these places are crooked. But they have done a calculation and decided that the headache of having to deal with disputes is worth the profits these criminals generate for them, because 99 % of the time, the criminals win, and if the criminals win, AMEX wins. 

But I got XXXX and XXXX. That isn't a " cost of doing business. '' That is unacceptable. To listen to someone say that happened to them, and then to still go after that last XXXX just to make sure I understand that I alone am responsible for my own XXXX? 

XXXX XXXX See you in court eventually.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NV

Complaint narrative:
I sent a FTC Identity Theft Report to Equifax to dispute inquiries. On XX/XX/2021 I received a letter that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed still on my credit report. 
When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time. 
This is unacceptable and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They are charging foreign transaction fees on auctions on the statement thats on top of the foreign transaction fees disclosed at time of payment. The additional fees are without my permission consent or notice to me.

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 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Loancare LLC holds my mortgage for Condo in XXXX XXXX, NC. Every year I have to provide proof of Flood Insurance ( Flood Insurance is obtained by our Owner 's association & renewed yearly ). This year I provided proof of Insurance on XX/XX/XXXX & then received a letter dated XX/XX/XXXX saying they ( Loancare ) would charge me {$190.00} for the lapse of Insurance from XX/XX/XXXX to XX/XX/XXXX - my proof of Insurance clearly states ( in several places ) that the insurance is effective from XX/XX/XXXX to XX/XX/XXXX. 

I feel this is a scam by Loancare to charge Mortgage Holders with additional fees ( probably the elderly who would not fight back against such charges ). 

Please investigate - I have attempted to contact but only get a series of pre-recorded messages. 

Thank you, 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 2021-08-02 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: Kriya Capital, LLC
State: NY

Complaint narrative:
Credence RM is reporting a fraud acount on my credit. 
I didnt open this account nor did I authorize anyone to open it on my behalf Please note the attahed FTC reporta and my driver license. 
Plese remove it from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc
State: MI

Complaint narrative:
This company Checkr, by way of fraud, stole my information and sold it to an employer without my consent or knowledge. They then admitted to the fraud by sending me a mailed/emailed copy of them furnishing my information. 

This has prevented me employment for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates is using false and misleading statements, specifically that they are a Creditor, which they are not as defined by 15 USC 1692a ( 4 ). PRA has admitted they are a debt collector and not a creditor, proving their violations of the law. PRA is falsely claiming the Consumer Finance Protection Bureau furnishes consumer credit reports and using the term Bureau, defined at 15 USC 1692a ( 1 ), to compel payment of an alleged debt. Furthermore, PRA unlawfully accessed my credit report, specifically XXXX, on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).

Company response to consumer: Closed with explanation