vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
The company in question spoke to my dad about a debt that they purport to belong to me. They not just spoke to him but tried to get him to make a payment on the debt even after he told them to send me information on the debt to my address by mail. The agent still kept asking him how much he was able to pay on the debt. I also see that they are reporting the debt on my credit report with false an misleading information such as the date the debt was opened. They list the original creditor as XXXX and said that the account was opened on two different dates. On XXXX  they have the date the account was XXXX. On XXXX  its listed as opened on XX/XX/XXXX. the debt is not reporting on XXXX. 

XXXX  has the date last active as XX/XX/XXXX, XXXX  has it as 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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
LoanCare , LLC is my current servicing company for the home mortgage. 
Form the month this loan got to LoanCare , LLC for servicing a deferred payment amount of {$2700.00} being reflected on each and every statement. 
We have submitted multiple requests for an explanation and description of this amount with the dates and incidents it occurred from. 

This company simply ignored all of those requests and it is impossible to get in touch with them.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP
State: WI

Complaint narrative:
I have been paying regularly my credit card balance in full for years to my Key Bank credit card. I was a customer of XXXX before they sold their NY state business to XXXX XXXX, which later was acquired or merged with Key Bank. In the last few months they started a practice where they place holds on my payments. For example, I paid this month on XX/XX/XXXX, {$1300.00} and the next day on XX/XX/XXXX, the payment went through my bank account. Key, however, has placed a hold - a transaction to reverse may payment. The same thing happened in XXXX and they didn't release the hold until XX/XX/XXXX, or more than a week after receiving the payment. 

Such emerging/new practices make planning very difficult, something that Key already specializes in, as it doesn't even let its customers set a payment day in the future. I like scheduling my payments well in advance, and Key is the only account for which I have to remember to do the payment on the XXXX, unless I want to make it early. Despite that, I have never been late with a payment and their practices are unnecessary consumer harassment. Plus, if they hold 1/3 of the balance of an account for more than a week, shouldn't they provide consumers with appropriate disclosure?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have been trying for the past couple days to pay my mortgage online as I normally do and I can not get into my account. I keep getting an error message that says : " Problem occurred trying to validate the user credentials. Please try again. '' I have even tried several times to change my password and it still does not work. I am not going to pay for any late fees or penalties because this XXXX XXXX can't get there process right. I am due every month on the XXXX and this should not be happening going into my XXXX month. I definitely do not want my credit trash because they can not get it together. My initial steps was to complain to the CFPB. I need this issue resolved immediately or I plan to pursue legal action!!!!

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 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Mortgage company ( XXXX XXXX  ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake. 
I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time. 
Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed 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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: MS

Complaint narrative:
I disputed the late payment for Car-Max in XX/XX/XXXX and in XX/XX/XXXX. The credit agencies ( XXXX, XXXX and XXXX ) investigation results showed the late payment had been verified and was correct. I didn't agree with the results ; after speaking with a Car-Max agent today and we were discussing the late payment for the month of XXXX and XXXX -- the agent advised me the late payment for the month of XXXX was actually not late and he did send an electronic correction to all 3 credit agencies while we was on the phone. I advised the agent that I had fell behind because of the COVID-19 Pandemic and since XX/XX/XXXX I had never been late on my car payment and I asked for a " Goodwill adjustment. '' I made three payment in the month of XXXX for full payments and as of today I'm current. The agent said it wasn't anything they could do. I'm in the process of buying a house and I have really been working hard on making on time payments to all of my accounts and because I was 2 days behind on making a payment all of my hard work shouldn't have to end here. My loan officer ; XXXX XXXX call to inform me we couldn't move forward with the house mortgage if I can't get the late payment removed from my credit report. So I ask that you please give me a second chance and grant me a " Goodwill adjustment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for WellsFargo Propel credit card on XX/XX/XXXX. I got an incomplete decision on the credit card. On the same day I called WellsFargo Credits Service Customer Care they mentioned I will receive a letter in the mail. A few days latter, I receive a letter asking me to call Customer Care and verify my identity. So, I call Customer Care again on XX/XX/XXXX, they verify my SSN and tell me that I should get a decision in 24 hours. I call again the next day XX/XX/XXXX, the rep tells me they need an additional form filled which I will receive in the Mail. I fill the form and send it around XX/XX/XXXX ( Unsure on the exact date ). I get no response from WellsFargo for the next month. I call Customer Care again on XX/XX/XXXX to ask about the application, the rep tells me that they had not review my application and will review in 24 hours. I call again on XX/XX/XXXX, they tell me that the application date has elapsed and they can not do anything, I ask them to remove the hard credit check since it was their mistake they did not review my application. Their response is that they would remove the check if I applied for the Card again but can not do anything otherwise. I ask them to still check, they said we will in 24 hours - I got no call. So on XX/XX/XXXX I called customer service again, they reiterated that if I reapply my older credit check would be removed. So I reapplied on XX/XX/XXXX, called customer service again after applying - they tell me my decision will be in 24 hours. I ask them to remove the previous check - they tell me it will be removed. I call again on XX/XX/XXXX - they tell me my credit card reapplication has been rejected - I ask for my credit check to be removed which they still haven't done. I ask the rep to transfer me to the complaints department - the rep says there is a system error which is not allowing it. The rep said they will call me in 1-2 days, I do not expect they will call. 
I have called WellsFargo a total of 8 times for this issue. None of my concerns have been resolved. Each call lasted at least 15 mins before I could even start discussing the issue.

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 2021-03-05 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: VA

Complaint narrative:
In XXXX of 2021 this year I talked to a representative at Equifax in the fraud department to dispute inaccurate information being reported. I asked for the account to be deleted because I noticed that their is no company name, address or any contact information to actively dispute this account. 15 U.S. Code 1681, plainly states that inaccurate credit reporting gravely affects fairness, and the respect for the consumer 's right to privacy. This is fraudulent activity and it's very hard to deal with emotionally, I demand this account be deleted, I do not validate this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patrick Scanlon P.A.
State: DE

Complaint narrative:
On XXXX I received a wage attachment at my job regarding a debt fro XXXX. I disputed that debt back in XXXX when my ex used my card without my permission. Never hear a word about it after that. I asked for a validation of debt but they just sent me a print out of the original balance that I originally disputed 12 years ago and was advised I had nothing to worry about. I have great credit and this account is not on my credit report. The attorney is very rude, demanding and threatening. I never received a correspondence regarding this or a wage attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I have an existing complaint with your office. Re : Loan number XXXX with Carrington Mortgage Services , LLC . The case is still pending I received a letter today XX/XX/2021. The letter mailed to me is dated XX/XX/2021 indicating that I withdrew my application. This statement is not true. I never withdrew my application. I am requesting that my statement that I never withdrew my application be included in my pending complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: IN

Complaint narrative:
I sent of a dispute letter on XXXX stating how these companies are in violation of my consumer rights under the FCRA 15 usc 1681. This was an infringement of privacy nor did i give consent for any of this information to be furnished.

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 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America N.A. failed to provide proof that their account in the amount of {$240.00} belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX on XX/XX/XXXX. This account was disputed and XXXX ceased contact with immediately. On XX/XX/XXXX this account was sold again, this time to XXXX XXXX  XXXX XXXX, ( Again this account is currently in dispute. ) Both debt collectors are reported different account numbers. 
Bank of America N.A. is currently reporting this account to all 3 major bureaus as closed/charge-off and updated as of XX/XX/XXXX. Bank of America N.A. continues to update their account to my credit files even after I have provided proof that they are not Holders in Due Course and the account has been sold multiple times. I will not keep disputing this account. I have proof that Bank of America N.A. NEVER validated this account and Bank of America NA is not following the FDCPA. 

XXXX XXXX  XXXX XXXX are debt collectors attempting to collect a debt on behalf of Bank of America N.A. I would like to know who gave XXXX XXXX  XXXX XXXX my personal information. I did not agree to any contracts with XXXX XXXX  XXXX XXXX to pay this company anything. I did not authorize XXXX XXXX  XXXX XXXX or Bank of America N.A., permissible purpose to use my personal information. 
Recently I priority mailed Bank of America N.A., and XXXX XXXX  XXXX XXXX letters and each company is well aware of what will be the outcome will be if they continue to harass 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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: DE

Complaint narrative:
XX/XX/2021 PNC Bank I received three preprinted checks from PNC bank to be used to transfer balances. I called PNC and spoke to XXXX who explained that if someone fraudulently cashed one of these checks, that PNC would cover it. I spoke to her supervisor, XXXX who confirmed what XXXX said but indicated that I had to report the fraud. XXXX indicated that a {$2000.00} check would probably get PNC 's attention but smaller amounts might not and would need me to identify the possible fraud. I use my credit card for everything and place thousands of charges monthly. I do review my statement but I assure you I do not pay much attention to smaller charges so I might not even notice the fraudulent charge if it was not in the noise level. I'd not question a {$60.00} charge. If I do not question it, PNC would not address it and I would be out that {$60.00}. 

PNC or any bank should not be allowed to send out these checks and put their account holders at risk.. It should be illegal and I intend to contact my representative and senator.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Service
State: WA

Complaint narrative:
Calling and leaving voicemail to return call, but not stating they are a debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have 2 accounts on my credit report that are in good standing but they keep showing I have ( 6 ) missed payments total. On one account it shows on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I have missed payments. On the other account is says I missed XX/XX/XXXX, XX/XX/XXXX. Im trying to improve my credit purchase a house and Im trying to get this straightened out because I have missed a payment since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/XXXX I mailed letter to XXXX  with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against Portfolio Recovery. Portfolio sued me for {$5.00}. The Decision was against Portfolio Recovery. I requested Portfolio be removed from my XXXX  Credit report. XXXX  claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that bos Certified this time. They say they still didnt receive it. I made More than 30 phone calls to XXXX  to solve this. 
XX/XX/XXXX through XXXX own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from XXXX  stating that they are not removing Portfolio from my Report, because Portfolio certified they are right. XXXX  is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted Portfolio from my Account with them. XXXX  has a major problem. They cant read XXXX. A simple phone call to the Courts would verify the Award and they would delete Portfolio.

Company response to consumer: Closed with non-monetary relief