vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Happy Halloween ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I received two notifications on my credit that two separate dealerships ran my credit. I recently sold my truck snd have had no use in looking for newer vehicles. Confused on to how or why its being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I received an email from XXXX pay cash. It gave me a phone number and told me I needed to call immediately. The first thing that was asked after dialing the number was my social security number I was spooked. I hung up, did not provide my SSN. I called XXXX normal customer service at XXXX. I asked if the number for XXXX Pay cash was valid. XXXX told me yes, the XXXX Pay cash number was valid and that I should call them for further assistance. I called the XXXX pay cash number back. I was told numerous times by numerous agent that they could not help me. They kept telling me literally to hang up and call back and they could not help. I finally got through to One agent who was able to look into my account and told me they may have contacted me about sending out a new card or something like that. She put me on hold to look further into the details and then I was transferred to another random agent who had no clue what was going on and said we had to start all over but then she said she couldn't help me. 

Additional identifying information in the email body I will provide here. 

XXXX Pay Cash is a Prepaid card issued by XXXX, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend, a XXXX XXXX, is a registered agent of XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

Card may be used everywhere Debit Mastercard is accepted. 

XXXX and XXXX Pay are registered trademarks of 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 2020-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I notice a Wells Fargo Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.

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 2020-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This debt was being paid as agreed until XX/XX/XXXX. The COVID-19 pandemic created a hardship for my household and my hours were cut at the hospital I worked for about XXXX weeks. I then found out I needed a medically necessary XXXX for the sake of my health. I was off work for two weeks to recover and had to use my short term XXXX through my job. I e-mailed this debt collector multiple times and I received no returned responses for months. I asked for a lower payment or deferment of my past due payments until my financial situation was back to normal. Then months after I received these threatening letters about court and judgement for payment. This has made an already stressful time in my life much worse. I lost my father in XX/XX/XXXX unexpectedly of a XXXX XXXX. At the time I was living alone in Colorado, newly divorced. I was first served court papers by this same debt collector during that devastating time. I told them I had student debt but they demanded I pay or theyd sue me in court!! I struggled but I did my best to pay each month. The grief and stress of this debt caused me to leave Colorado to be closer to my children. I then reconciled with my ex-husband and we remarried Fall XXXX. The pandemic caused everything to change!! This past month has been extra hard on my family as there have been deaths in our immediate family of grandparents and most recently my mother recovering from COVID-19. This second letter and continued harassment from this debt collector has made my grief and mild XXXX much worse!! I asked them to work with me earlier this year in late XX/XX/XXXX and they wouldnt!! Now they want to attack me during the holiday season and ruin my credit. I feel because I am an XXXX American citizen that they are purposely seeking to destroy the effort Ive worked so hard to put towards a better life and future for myself and my family!! I pull up my boot straps and they cut them off!!!! I feel violated!! I should not have been paying this creditor more than {$10.00} a month due to my student loan debt!!! I am outraged that this debtor is harassing me and refused to work with me when I asked. I would like them to show proof of my payments to show my debt was in good standing for about a year until the pandemic shut down the entire country!! The money I have paid is the amount of what was owed to the original creditor!! This debt collector is trying to get extra money out of me for their own personal gain!! Shame on them!! Please dont let them ruin my credit if all lives do really matter!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
In XXXX, I secured a manufactured ( mobile home ) loan through Bank of the West. 

Besides the typical mobile home insurance required for my loan, I have been required to also maintain flood insurance. 

This had never been of issue until XXXX when Bank of the West first informed me in XXXX of that year, they had not received the required flood insurance. I followed up immediately by having my insurance broker ( XXXX XXXX ) fax a new copy to the Bank of the West Escrow Department. 

On XX/XX/XXXX, I received an email from Bank of the West ( dated XX/XX/XXXX ) they would be placing a forced plan on my loan. ( See Email 1 ) I immediately contacted XXXX XXXX and they followed up with another email to Bank of the West ( see Email 2 ). I also followed up ( See Email 3 ). XXXX also followed up on XX/XX/XXXX ( See Email 4 ) On XX/XX/XXXX I received notice Bank of the West HAD placed flood insurance on my loan. ( Scan 1 ) This time, I went to the branch where we originally signed loan documents in XXXX and spoke to the branch manager : Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX directed me to her Senior  Relationship XXXX XXXX XXXX ( same office ) who took all my information and informed me she would get this resolved. Later that afternoon, XXXX phoned me and said everything was taken care of. 

Until XX/XX/XXXX when everything happened again. 

I contacted XXXX through email and received the following response ( email 5 ) When it appeared this was not taken care of and I was still seeing the increased payment on my loan ( from the original {$1600.00} ) to now {$1700.00} I sent another email. This time, XXXX replied back saying, It will adjust the next billing cycle which is XX/XX/XXXX. I guess we were too close to the billing cycle cut off when the changes were made. ( see email 6 ) On Monday, XX/XX/XXXX, I sent a final email to Bank of the West that it was still not corrected and that if I had not heard from the Escrow Company, I would be placing a formal complaint. 

Which is what I am doing now 1. Bank of the West continues to not recognize I have the required flood insurance 2. Bank of the West is now deducting additional money for flood insurance I have already paid for 3. The local branch office has ceased communicating with 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 2020-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XX/XX/2020 AMERICOLLECT, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, AMERICOLLECT has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: GA

Complaint narrative:
Equifax added a fraudulent account on my credit profile named XXXX XXXX XXXX This is a fraudently opened account. The amount is claiming a balance of XXXX. I am not affiliated with this company. This is a direct violation. I diputed this item 3 times and all claiming verified..Equifax is also not responding within 30-45 days after the disputes.I currently have a security freeze due to identity theft and they allowed an account to report on my report which brought my score down tremendoisly and is damaging my creditbility. Please investigate into this further. Also Equifax is not removing other fraudulent activity such as XXXX XXXX XXXX XXXX and XXXX XXXX. I submitted an identity theft affidavit to them in XXXX. Also submitted another in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc
State: MN

Complaint narrative:
I had 2 separate accounts show up on my credit report owned by National Service Bureau. One for {$110.00} and one for {$1100.00}. 

I disupted them with XXXX and XXXX  as they were not my debt and I did not recognize them. XXXX  removed it immediately but XXXX has ruled twice that it is my debt. 

I called the original creditor and collection agency and found out someone used my identity to receive healthcare in Utah on XX/XX/2019 and they think it was me. 

I live in Minnesota and have for well over a decade. I have not been to Utah in years and it was not me. I have informed XXXX  XXXX XXXX  XXXX, Nation Service Bureau and XXXX.

They can not have any proof that it was me yet XXXX  has ruled twice that it is my debt and im feeling like there is nothing I can do. I have asked the XXXX  XXXX XXXX  XXXX to dispute it in their system but it would be easiest for XXXX  to remove this since they cant have any proof that it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
On Saturday, XX/XX/2020 at XXXX, a third party collector called me, reaching me on my cellular smart watch. The collector asked to speak with my father by name. I searched for and found my father, whom spoke to while I held my arm up so he could communicate through my smartwatch. She identified as collector at that point, and I let her know she was in violation of the fair debt collection practices act by reaching me on my smartwatch to collect from another party. 
It is my belief that she was aware this is not his phone number, and made this call with the intention to harrass and humiliate him by contacting another party whom did not have any interest in his debt. Furthermore, she contacted me on a cellular line, for which I am charged monthly to receive calls, which I also understand to be a violation of section 808 of the fair debt collection practices act. She also did not notify me upon calling me, that she was calling to collect a debt, unlawfully concealing the nature of the call. While I understand a collector would not want to release that information to a third party, I would counter that a collector should not, in that case, contact a third party. Had she identified herself as a collector at the beginning of the call, I would have simply asked her to reach her client at their own phone number and not my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I bought my home on XX/XX/XXXX and it has always been owned by XXXX XXXX but it has been suddenly sold to some other entity without my knowledge in the midst of covid-19 pandemic.i am currently on moratorium status. 
As of today XX/XX/XXXX my servicer will be XXXX XXXX XXXX telephone # XXXX and previous servicer was no Morgan chase bank telephone # XXXX. 
Is this action legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
TODAY XX/XX/2020 1 APPLIED FOR AN AUTO LOAN AND UNFORTUNATELY WAS LOAN NOT APPROVED BECAUSE WHEN THEY RAN MY CREDIT. I WAS TOLD THAT THERE WAS AN ACCOUNT IN DEROGATORY STANDING ON MY REPORT. I DON'T KNOW WHAT THEY ARE TALKING ABOUT SO I LOOKED THROUGH MY CREDIT REPORT MYSELF AND SAW THE ACCOUNT THAT DOES NOT BELONG TO ME. THE ACCOUNT IS NET CREDIT-XXXX .... {$7300.00}. I DID NOT OPEN THIS ACCOUNT AND I DID NOT ALLOW ANYONE TO OPEN IT IN MY NAME USING MY PERSONAL INFORMATION. I DID NOT BENEFIT ANYTHING AS A RESULT OF THIS ACCOUNT BEING OPENED IN MY NAME WITHOUT MY PERMISSION NOR DO I HAVE A CONTRACT OR AGREEMENT WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 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: GA

Complaint narrative:
I submitted a dispute due to identity theft in XXXX and sent in affidavit on the following accounts. XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX and XXXX XXXX. But accounts still remain on report so I submitted another affidavit the first part of XXXX but still nothing has been done. The accounts still remain on my report.

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 2020-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to have them remove fraud alert on my credit report but they are not respond. My used car messed up and i need to buy a newer card but to do that dealership need me to remove fraud alert on my credit report. I sent my documents on XX/XX/2020 to identification information as they request to Experian by certified Mail and they received on Tue XX/XX/2020, now more than one weeks and i can not contact them or hear anything from them, call them on phone but keep talking to machine and can't reach to speak with representative, keep hanging up my call, tried to upload my documents to them hope can get things faster but keep getting error " We have discarded any documents you were in the process of uploading ''. 
Phone call does not work, send by mail they are not respond or take any action, working online getting error. How i can fix my trouble with this company. 
I need a car to go to work but this delays is give me a big headache. 
This is unprofessional and i am a customer can not contact them. Wasting my time and money to go back and forth to fixing thing without any help.

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 2020-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions , LLC. has has sent multiple letters and emails demanding payment on a debt they claim is owed to XXXX XXXX XXXX XXXX in the amount of {$68.00}. I have responded to each and every letter/email requesting validation of the debt. After the fourth contact, they final sent a copy of an original XXXX XXXX XXXX bill for {$68.00}. However, the bill was for service from XX/XX/XXXX - XX/XX/2019. I closed my account with XXXX XXXX XXXX on XX/XX/2019. As such, the bill is inaccurate and includes amounts that I do not owe. Despite having failed to validate the debt after repeated demands for validation, I have received notice that multiple derogatory remarks were placed on my credit file with the credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: UT

Complaint narrative:
I had my credit pulled recently to purchase a new home to find that US Bank had reported a 30 day late on my mortgage for XX/XX/2020. I refinanced my home in XX/XX/2020 and they received payoff for this mortgage on XX/XX/2020. I have verified that the XXXX payment was received and that they received the payoff of my mortgage on XX/XX/2020 leaving no payment due for XX/XX/2020. 

I have been contacting US Bank every day since XX/XX/XXXX to resolve this issue and still do not have resolution. They have provided a letter stating that the XXXX payment was not past due, but have yet to provide something stating that the XXXX payment was reported late in error on my credit. 

I have spoken with 11 different customer service reps and all but 5 of those were supervisors. Yesterday my husband reached out to them as a second voice and when he asked them about correct the letter finally provided to reflect the XXXX payment not past due as we requested, they said they could not help because their supervisor was no longer available, but that we could follow up on this tomorrow. Tomorrow being Saturday, XX/XX/XXXX. He asked if the supervisor would be there in spite of the fact that it would be Saturday and was told yes. When we called today, Saturday XX/XX/XXXX, they were of course closed. 

This error on their part has lowered our credit scores from the 780 range down to 660 range and is costing us tens of thousands of dollars as we have already sold our current home and have a {$20000.00} Earnest Money deposit on our new home that would be lost if we walked away from that transaction. They are leaving us with little choice but to close on our home at a rate that is more than 1 % higher and is requiring that we will have to pay XXXX  points for discount fee. 

I am sure that we will be in a position to refinance out of this loan when we finally resolve this issue, but it will then cost us another set of closing costs. 

We are engaging legal counsel against US Bank at this time.

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