vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bepensa Capital, Inc.
State: PA

Complaint narrative:
XXXX The previous response I received from the company is in fact nonsense and did not prove anything. Following this consumer credit transaction, I understand I was to be informed that I have the right to dispute the validity of this alleged debt within 30 days AFTER the initial communication ( which is the contract they attached to my previous complaint ). They failed to include this information in this contract AND failed to send it separately in the mail stating I have the right to dispute this alleged debt. How where they able to assume the debt was valid? Well, according to FDCPA 15 usc 1692g # 3 ; it states that if a consumer does not dispute the validity of the debt within the first 30 days, the debt collector will assume the debt is valid. So, I am paying for things that are already paid for because they never made me aware I had the right to dispute the validity within the first 30 days. This is a breach of the contract due to the fact these MUST be included in initial communication ( the contract ) or sent separately to the consumer by law. Even if these debt collectors assume this debt is valid it does not mean anything because it is my right to refuse to pay an alleged debt and no court or judge can say I Owe it under any circumstance. ( 15 usc 1692g ( c ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I opened Credit care with Pay Pal  on XX/XX/2020. It was approved for XXXX $ line of credit. With this inquiry and another one my score dropped. By the start of XXXX, I checked my credit report and it showed my limit on this card is only XXXX initial approved. After seeing that I called the customer service on their number and none of the representatives/agents could tell me what is the reason and instead of helping they became unprofessional and kept transferring me to the supervisors. Eventually, the supervisor couldn't even help and I asked ( not confirmed ) to close my account in the middle of this conversation I got disconnected by the representative and now today I got a notification from credit bureaus that my account is closed. 

This is just the one-credit service same happened with XXXX credit cards ( XXXX XXXX & XXXX XXXX XXXX XXXX ) where they decreased my limit from XXXX to XXXX and XXXX to XXXX respectively that is in the event of the decrease in my limit on pay pal. 

All of this impacted my score so badly and further led to a cascade of events that led to financial crises. This has increased my Debit Ratio. I can't be approved for house loans that I was about to apply for. Also, with the account closure, my payments have been rejected that led to further credit unworthiness. This is unreliable and unprofessional on the credit provider 's part.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: MI

Complaint narrative:
I am a current student of XXXX XXXX with XXXX classes left to XXXX. Back in XXXX I had taken some time off and put my loans on Forbareance or in deferment with a Fed loan. 

doing this over the phone I had thought that my Forbareance would not expire until Q1 of XXXX. There was a communication mistake made on either side. 

In XXXX and XXXX of XXXX, Fedloan had reported over 10 instances of late payments of over 90 days. I contacted them and spoke with them but there was nothing that they are willing todo. 

this has hurt my credit score by 120 points and is now stopping me from purchasing a property. 

logically speaking, even if I was paying for the 90 days, I would not have paid for all of the credits reported which is over XXXX worth of credit, when speaking with them they said they report it once, and because I have multiple loans the negative reports would multiply for example 10 times because I have 10 instances of loan for the classes I took ... 

So, for a single 90-day late payment, I got reported delinquency for over 10 loan accounts and is now sitting permanently on my credit score. 

this is not a fair act at all, jeopardizing my living by over-reporting and not fixing the delinquent reports. 

I am NOT delinquent, and I am still in school, XXXX  and XXXX  show delinquency of over 90 days for over 10 times of reports for a single loan. not logical or correct. the Fed loan is not willing to work with me at all. 

Fed Loan says that they had communicated the delinquency information over an email, however checking the email I see nothing! perhaps they went to SPAM? they are not taking students ' matters seriously and are acting as if it does not matter to anyone. 

I am willing to Sue this company to report my information correctly as they are not and are hurting me for mis information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
First Merchants bank took over XXXX XXXX  XXXX XXXX in the fall of 2019. I have always maintained my own calculations for each payment and would tie the yearend data for total interest paid and principle paid to the data provided by the bank. As soon as Merchants bank took over, my calculations are significantly off, meaning the processing through Merchants bank is different than how XXXX XXXX XXXX  XXXX calculated interest which tied to how the note indicated interest would be calculated. Hence, because we did not rewrite the terms of the note, First Merchants calculation does not match how my note indicates it would be calculated. I have contacted my loan officer numerous times over the last year to no avail. The last contact I had with him, he agreed that my calculation was how he would calculated it but there has never been any resolution. I believe most consumers trust that the bank is correctly calculating their interest and are victims of fraud and they dont even realize it. I gave the bank approximately 12 months to resolve the issue with no avail. From my perspective, this has gone from a possible mistake in the calculation to fraud due to their willingness to do nothing and hope I just give up on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
The company Debt recovery solutions XXXX XXXX XXXX has sent me a letter and reporting on my credit that I have a outstanding collection balance of {$520.00} for a loan linked to an address of XXXX XXXX XXXXXXXX XXXX ohio XXXX. Well, I own my home and this is not my address nor have i ever lived there. I send 2 letters to this company certified mail in XXXX and XX/XX/2020 asking proof of my signature of this loan application ( loan by phone ), copy of my driver license and all that was sent to me was a application with my name and incorrect address, phone number and zip code on the application, as well as no signature on it. I requested for them to remove it from my credit reports due to this not being mine and for them not producing information to show this is a valid debt. They have not done so, so I am putting in a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I noticed monthly fees were charged on my account since XX/XX/2019. I went to PNC branch located in XXXX XXXX XXXX XXXX spoke to the banking associate. I was told the monthly fee was charged because my account was not link properly. My current monthly total balance is over the requirement. She mentioned she will consult with the branch manager and have the manger give me a call back on the same day. I did not receive the call and contact the branch manager the next day. The branch manager was not aware of the call back request. After explaining the situation the branch manager escalated the issue to the retail management team. 

I just received the call from XXXX XXXX from the retail management team today. She explained to me that since my checking account was in the inactive status so it does not count toward the total balance. I further question if PNC ever notified me about the inactive status. She looked into the notification further and told me there was no notice ever send out to me. I do not agree that my account should be remove from the package if it is in the inactive status and this information was never disclosed. She agreed to refund 6 of the total 16 charges. The most recent charge was on the day i visit the branch trying to have the issue resolved. There system limitation cased my account to have another additional monthly charge when I am trying to resolve the issue. This clearly is an issue and I am sure there are more PNC consumers might be affective about this unfair practice. 

They are required to send me inactive notice per state requirement and can't cease accrual of any benefits which is not counting the balance toward the total requirement to avoid monthly fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
My house burned down XX/XX/2020, and Reverse Mortgage Solutions is holding my insurance money and will not release the funds for the house repair. I have provided all the information that they need in order to release the initial funds for the repairs. For over a period of four months, I have been negotiating with them to release the funds for repair. They still have not sent the funds, and keep saying the check is in the mail, for four months. They also said they stopped payment on one check, and are issuing another. I am stilling waiting for the funds. There have been issues with the agent in charge of my case. I have called numerous times, only to be given the run around every time. The ILV number of my case is XXXX. The agent 's name is XXXX, and his ID is XXXX. The total amount owed is XXXX dollars. The initial amount to be issued is XXXX, one third of the total, in order to start repairs to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I opened an account with Americal express in XXXX this card was XXXX XXXX which was recently upgraded to XXXX XXXX preferred with a credit line of XXXX. The second card was opened in XXXX it was a Delta Airline Amex Gold credit card with a total line of credit of XXXX. By the start of XXXX, I checked my credit report and it showed my limit on Blue card preferred is XXXX/XXXX and Delta Golds card is XXXX/XXXX. After seeing that I called the customer service on their number and none of the representatives/agents could tell me what is the reason and instead of helping they became unprofessional and kept transferring me to the supervisors. 

All of this impacted my score so badly and further led to a cascade of events that led to financial crises. This has increased my Debit Ratio. I can't be approved for house loans that I was about to apply for. 
Amex has been notorious about this recently. My point is in case of any financial crisis this company will further kick you the edge despite having an excellent payment history, no missed payments, and no loyalty benefit even no courtesy call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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:
I have a bankruptcy reporting on my credit report in the public record section and it is flawed with inaccuracies. I have disputed it several times and this credit bureaus keeps saying its verified. I even had the court send me a survey stating that they don't verify information with the credit bureaus. I don't know what else to do.. I can upload all the documents

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 2021-02-14 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
Late payments in XXXX and XX/XX/2020 contacted the three bureaus to remove payments

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 2021-02-14 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: U.S. BANCORP
State: IL

Complaint narrative:
Late payments in XXXX and XX/XX/2020 contacted the three bureaus to remove payments

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 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
insurance company change price after first payment was made so i cancelled when price changed

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 2021-02-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted Equifax on XX/XX/XXXX disputing inaccuracies on my report. I am a victim of identity theft! 
XXXX XXXX XXXX {$710.00} *XXXX XXXX XXXX {$6600.00} To date XX/XX/XXXX, Equifax failed to investigate my dispute further harming my credit accuracy. Failure to report accurate information you are in violation of FCRA 15 USC 1681 ( A ) ( 2 ). I placed a complaint with CFPD on XX/XX/XXXX ( Complaint # XXXX ). Equifax 's response on XX/XX/XXXX was : " Please be advised that an investigation with the furnisher of information has been initiated ''. It is XX/XX/XXXX and I have not received any investigation results. PLEASE REMOVE THIS INCORRECT INFORMATION FROM MY REPORTS IMMEDIATELY. YOU ARE IN DIRECT VIOLATION OF FCRA 15 USC 1681 ( a ) ( 1-4 ) ( b ). 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

YOU ARE NOT REPORTING ACCURATE INFORMATION, AND YOUR FAILURE TO COMPLY WITH ACCURATE CREDIT REPOTING IS UNFAIR. THIS IS HARMING MY REPUTATION AS THIS INFPRMATION IS INACCURATE AND DOES NOT REPRESENT THE ACCURACY OF MY CREDIT WORTHINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
Lexis Nexis does not gove the ability to give me a free report, i need to send a form, i can not call them, we have spoken previously and she remembered my name? That is so wierd. I just need my report. Because i need to see what is on there and who, why, where, when and how certain companies can reserve the right to exclude informatio. To XXXX, XXXX, and XXXX, i dont have stamp money. I dont have money for a fax, and if i call and she remember me, i will be ashamed.

Company response to consumer: Closed with explanation