vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Neiman Marcus is continually pulling soft credit reports against my will. I want them to stop as there is no reason for them to pull my report as I am not interested in a credit card. They are doing it to keep my credit score low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I currently have a debt that is impacting my credit report that I have no way of paying back to Portfolio Recovery and Associates. This debt was originally contested as fraud but was dismissed. At the advice of Portfolio Recovery. I tried applying for a permanent hardship because they assured me that they wanted to and were capable of helping me, but it was applied as just a temporary hardship from XX/XX/21 to XX/XX/21. I applied for the permanent hardship because my wife was diagnosed with XXXX. I supplied the documentation showing such, but the Portfolio Recovery responded by stating that since I, the borrower, am not the one that was diagnosed with the illness than my situation can not be categorized as a permanent hardship. This is most definitely a permanent hardship situation. I can only work part time now because I have to tend to my wife as the XXXX attacks her. The bulk of my income goes to paying the bills ( rent, XXXX XXXX XXXX food, water, etc etc ) and my wives medical bills. It is cold and callous of Portfolio Recovery to say that my wife and partner being diagnosed with XXXX is not a permanent hardship. This is a hardship to all of us that are helping my wife through this terrible time. This is not anything that will be cleared up anytime soon. This mark on my credit is hurting us from applying for a credit card and so that it may give us a bit of breathing room in the months that I come up a little short on the bills. Please re-examine this and see that I truly am in a permanent hardship at this time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a car loan with Sun Trust and a checking account with BB & T. In making my monthly payment on the car loan they say I mistakenly clicked to pay off the loan. The full payoff, {$24000.00} was collected from my BB & T account, which had a balance of XXXX, overdrawing the account. I called Sun Trust and they tried to explain to the manager at my BB & T bank what to do. She was not interested and hung up the phone. I went home called Sun Trust again and they explained to have BB & T put a stop payment on the pending transaction, it would return to SunTrust, they would correct the account and everything would be normal. 

I called BB & T customer service, spoke to three different people, all who said they could not stop the payment but they would transfer me to someone who would. Each one said they could do nothing. I asked for a supervisor and they hung up on me. 

In the mean time my money is closed off, I have no access to the cash in the account. BB & T said it could take 10 days to resolve. I asked the manager at the bank how do I live without access to my cash. She said use a credit card. 

I can not believe a simple mistake, that Sun Trust understood and was willing to fix on their end, can not be rectified. And to top it all off BB & T will be charging me overdraft fees for the whole ten days. 

What can I do?

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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: TX

Complaint narrative:
For now over and 1 1/5 years I have been disputing with XXXX this account from POSSIBLE FINANCE listed on my credit report. Every single time XXXX is stating that you every month is telling them this account belong to me. I have never opened this account with you. I have never received a bill or anything to my address and because I have had enough with XXXX not removing this fraudulent account, I have sent them an Intent To Sue letter. I received a call from them and they insisted that I filed an Identity Theft report with the FTC and send it to you that is a fraudulent account and that you re the ones that are able to have this removed from my XXXX credit report. I am beyond frustrated and if this is not handle soon, the only recourse if to file a lawsuit in small claims court against you. Please see my attached ID Theft Report and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Company in question : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA Phone : XXXX, XXXX Email : XXXX Individuals spoken to : XXXX XXXX, XXXX XXXX Complaint : Got a call from this company regarding unpaid debt on Citibank Account ending in XXXX. If not paid then and there, was told I was gon na be taken to court and charge for court fees and other legal fees on top of debt owed. They somehow got my credit card info and charged an amount of {$2700.00} without my consent. 

However, this account was originally settled in full with XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ) and I got a letter from them stating the same. 

I think this is a fraudulent company and scammers trying to reach out to victims like me and take advantage of our ignorance. Please investigate and do the needful in helping others not falling into preys of these scammers.

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 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Our mortgage loan was sold to Shellpoint/newrez, which has provided false and misleading information to us regarding our Covid forbearance, turned down at the end of our deferment period adding payments to backend of our loan despite saying we could do that, said that during the review process that they would not notify credit agencies that we were late while still in their review process but notified them anyway leading to a 50+ point drop in my credit rating overnight which has put my career in jeopardy and prevents me from obtaining alternative and/or additional financing to bring the loan current, on which they will not allow me to begin paying unless its its the total outstanding balance ( $ XXXX ), which is unrealistic. Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, 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 promptly. 

I demand these accounts be deleted immediately or I will file for litigation 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 2021-10-07 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: NY

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am writing to dispute the late payment on my auto loan with Santander consumer USA. Ive been making timely payments to them by text for months now. I knew my car was almost paid off and when I didnt receive a text from them for payment in XX/XX/2021, I assumed it was paid off. I went online to check in XXXX and it did say that I still owed {$360.00}, but when I pressed make a payment it said that my balance was XXXX so I assumed that their system had just not been updated and that I was done with my payments. I have been waiting for my pink slip. I received a letter from them today, XX/XX/2021, and was hopeful that it was the pink slip but it was an Invoice saying that I was 71 days late in paying! This is the first statement that I received from them by mail since I signed up for text payments. I called them and they said that my late payment had been turned over to you and that I would have to file a dispute through you. I told them to transfer me so that I can make a payment on the phone but when they did that I was told that I owed {$740.00}. This wasnt the amount that I was just quoted. I hung up from that service and decided to pay online once again. I pushed to make a payment and it said that my balance was XXXX dollars. I called to speak with someone again and they told me to go online and pay by asking for the payoff amount. I tried that and they told me the payoff amount but wouldnt take a payment and when I tried to pay again by phone it gave me the {$740.00} amount. I called and spoke with the rep again and he transferred me to a manager who was able to take my payment by phone. He apologized and said that there were apparently some glitches in the system, one being that they didnt text me my final payoff amount and allow me to pay that way, like I had been paying for months, and he couldnt explain why it said that there was a XXXX balance when I went online to try to pay. He was going to turn that over internally for them to check into. He did explain that the automatic amount of {$740.00} was because the auto payment just knew that it was a month late and it gave me two payments plus a late fee amount. It apparently doesnt know when you are on your final payment. I would appreciate it if you could remove the negative dings that this created on my credit score. Its been more than frustrating dealing with them but my credit report score troubles me above all. The company is Santander consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2021, I reviewed my credit report and discovered some unauthorized inquiries, I submitted a letter to XXXX XXXX and Equifax and they have refused/ ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on EOS CCA ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
My house was stolen. 

1. XXXX XXXX XXXX Illinois XXXX XXXX ( XXXX XXXX ) commenced a foreclosure complaint with a summons. 
2. I filed an Answer to respond the complaint 's claims and formally raise my defenses and filed an Appearance. 
3. XXXX XXXX moved for a motion for a summary judgment. 
4. I replied to the motion of the summary judgment and requested to strike to dismiss the case. 
5. XXXX XXXX failed to provide its answer to my reply. 
6. XXXX XXXX requested the judge for an extension of time. The Judge allowed the extension. 
7. XXXX  XXXX failed again to provide my answer. 
8. As a result, I moved a motion to request the judge to strike and dismiss the case with prejudice. 
XXXX. The judge entered a judgment to STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED on XX/XX/2011. 
10. The STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED. In foreclosure its used to dismissing the case, remove the case from the court, and the case was allowed by the court to be withdrawn. 
11. When the case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue. 
12. When a summary judgement is granted and the case is dismissed with prejudice, it is a final order or judgment, and the plaintiff can be appealed. XXXX XXXX XXXX Illinois XXXX did not appeal. 
13. After several years, XXXX XXXX XXXX Illinois XXXX XXXX proceeded a legal action. Instead of filing a new case, they took the old, dismissed case number and forged, altered and redacted key information on the case. 
14. They redacted my Answer the complaint filed, Appearance, motion to dismiss, numerous motions, memorandum in support of motion file, and proof of services filed. 
15. They went to a judge and claimed I failed to file my Appearance and failed my Answer of the complaint and requested a default judgment. The judge allowed the judgment. With a default judgment, XXXX XXXX XXXX Illinois XXXX got everything it asked for in the complaint, including the right to sell your home at a foreclosure sale. 
16. I never knew I was foreclosed and that my house was sold. I had gotten a letter from XXXX XXXX XXXX Illinois XXXX sold my house by assignment to an investor. The investor told me that I was in foreclosure, and I needed to do a modification loan, or I would be evicted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
17. The foreclosure and the assignment were fraudulent, and they didnt have to right to sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA

Complaint narrative:
I sent a debt validation on XX/XX/2021 for validity of the debt and the reporting of late payments. I receive a validation letter on XX/XX/2021. On the letter it reflects a different payment of wait I have been paying. I have overcharged the entire length of the loan.

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 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I submitted a doesnt validation for validity of the debt, I received a letter from leasing a company not from the company that I sent the letter to. They failed to validate the debt that I had with that I entered a legally binding contract with company with my signature. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I have been receiving phone calls for months alleging a debt to XXXX. I closed all my accounts after I got married and had no debt. They have also begun mailing official looking letters requesting payment in addition to the phone calls. The company is called afni and is located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, IL XXXX and phone number is XXXX and www.afnicollections.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: CO

Complaint narrative:
XX/XX/2021 XXXX I sent a letter asking for verification of this debt. This account was paid in full and canceled.

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 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I sent a return receipt certified letter to this company and it was received on XXXX @ XXXX XXXX. I have not received any response and it has been 3+ months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
I have been attempting to correct my loan servicing PSLF account with Fedloan servicing since XX/XX/XXXX. I have worked at my current government job for 6.5 years ( an approved and eligible government entity per studentaid.gov ). Somewhere my original start date on my paper work changed to XXXX instead of XXXX. I have spoken with fedloan servicing more than 10 times trying to correct this problem.

I have filed paper work signed by my government jobs HR department reflecting a start date of XXXX twice. Once on XX/XX/XXXX and a newer form on XX/XX/XXXX. 
They certified my employment from XX/XX/XXXX to current but refuse to correct payments from XX/XX/XXXX to XX/XX/XXXX, even with proper documentation. I have been told by fedloans to " just wait for it '' each time I contact customer service. 

I spoke with fedloan servicing regarding this matter in XXXX ( date unknown ) and on the following dates : XXXX XXXX XXXX Each time I was told the payments would change to reflect payment. To date they have not. After speaking with a CSR on XX/XX/XXXX, whom claimed they sent an email, I received a letter saying I was no longer eligible for TEPSLF, which I was NOT apart of as I am PSLF according to Studentaid.gov. 
I attempted to contact 3 times today ( XX/XX/XXXX ). Hold times were greater than 20 minutes. I requested a call back. Both times it stated this is the last time we will try to call back " name '' using this call back method and it disconnected. 
I have a total of XXXX eligible payments according to Fedloan servicing PSLF and I would like my account corrected to show the proper employment period with my approved government agency ( per studentaid.gov EIN Search ). 


I was referred to consumer financial protection bureau by the XXXX 
Please help correct this situation. I am hoping my account reflects properly before the servicers change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation