vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery has called me at different hours of the day or night and on weekends. I have told them to stop calling and have notified them in writing to stop calling. They are trying to collect on an old credit card debt that has past the statute of limitations in South Carolina, which is three years. The letter was sent on XX/XX/2020 and the last phone call received from them was XX/XX/2020. I told the lady who called that I have notified them in writing to stop calling and she said she would not because I would not give her my information. I told her I have already done that in writing and would not give it over the phone. I believe they are using collection tactics to try and restart the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
Better Mortgage / XXXX is offering something of value with refinances a {$2500.00} XXXX credit which is not legal and something of value to close a loan, as well as offering referral commissions to marketing. This is published not only on the attached but on their website directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: MD

Complaint narrative:
I submitted a complaint on this website in XXXX. I received correspondence with how I would like for this to be resolved. I received my points back but the late payment still applies on my report. This is the complaint. XXXX XXXX stated that on XX/XX/XXXX. XXXX that did a auto pay for my car loan and the bank rejected it. I provided documentation that money was in my account and that the bank never rejected any money nor was a freeze on my card. The bank rep stated that XXXX most likely made an error because they would not have rejected my payment. Ive had this loan since XXXX and have not been late. This company has no compassionate even during a pandemic. I owe almost XXXX on this car loan. I need for them to to take responsibility to their error. I thought it was paid because all of my auto pays automatically are paid with no issue. XXXX  notified me at the end of XXXX to tell me that payment was not received. I immediately paid worth the same card. I need for this late payment to be removed. Im trying to avoid lawyer and court fees but thats the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I keep getting fraudalent transactions on my account and when I try to dispute the transaction I'm getting put on hold for hours then the call will drop out of no where having to start the whole process over again.i really spent from XXXX to XXXX XXXX  yesterday and never talked to anyone on the phone to help me with my dispute

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 2020-10-16 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: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
KAY JEWELERS Account # XXXX Hello, this account was paid in full in XXXX. I don't have no records that there was ever any items brought after this card was paid off. 

Seeing that this account was put into collections and effecting my credit score, I paid this account off with XXXX XXXX XXXX. XXXX XXXX XXXX agreed that if I was to pay this amount we agreed on they would have this account deleted from my file. Upon changing my account I see that this account hasn't been deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed a collection account with Experian for XXXX XXXX XXXX. I requested that the debt be validated. All that was sent to me was a ledger of charges. I asked for the actually invoices and a signature showing that each invoice was signed for. XXXX XXXX XXXX has not produced these items. They showed that I was a client of the company XXXX XXXX they are collecting for but they do not show any invoices or my signature accepting multiple invoices totaling $ XXXX. Furthermore the dates that are showing on my credit report contradicts the dates on the ledger that was sent to me. This collection debt needs to be removed from my credit report because it is invalid and its report incorrectly. Experian has refused to remove the debt. An accounting ledger does not prove that the debt is mine. 

The original date of the debt is reporting incorrectly based on their own accounting ledger.

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 2020-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mountain West Financial, LLC
State: TX

Complaint narrative:
I am in the midst of selling my home and have been at a stand still with the closing process. The closing was slated for XX/XX/XXXXand we are now on XX/XX/XXXX with no scheduled closing date. I have been given false or incorrect information numerous times. I moved out of my home with the understanding that the closing was going to take place last month. I am now having to be faced with paying rent in my temporary living and paying the mortgage on the house. This not only has impacted me but the buyer of the home as well. Everyone is in Limbo now and how is it that this lender thinks that this is right by any means. I have contacted upper management and I was told that my file would be escalated. Still nothing has happened. I have over 20 years of experience working in the mortgage industry, processing loans and this is absolutely unacceptable.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company keeps trying to use fake numbers to contact me 8-10 times a day. I have asked them to stop calling me several times. They are calling about an ( almost ) 7 year old debt that i have no idea about. I even gave them a verbal " cease and desist ''. They  still have continued harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My XXXX Account debit card was stolen. An unknown person deposited counterfeit checks in the XXXX  account due to this Bank of America decided to close the account because of this my personal account was frozen my direct deposit was placed into my personal checking account the bank refuses to allow me to get my funds out of my personal account and provide me with multiple dates of the account closure of when they would send a cashiers check I spoke to several different employees who provided many different answers all of which were incorrect. The last time I spoke with an employee she told me I can go into a local bank and withdraw my funds from my personal account when I went to the bank the teller advised me I will not be able to get the funds I called back the bank who then told me that my account will be closed on XX/XX/2020 however the last representative told me that it will be closed XX/XX/2020 I have made several requests to the bank to immediately close the account so that I can retrieve my funds. They said that they would submit a request for me to be able to withdraw funds however they can not guarantee that that request will be approved. I was transferred to many different Departments I was hung up on several times. I am requesting that investigation investigation be completed to make sure that Bank of America is following banking regulations when it comes to a fraudulent claim. I have been violated twice by the person who stole my banking information and by the bank for not allowing me to get my funds that were deposited by my employer I have had Bank of America for over 14 years and this is despicable.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request.

AMERICAN CREDIT ACCE Date Opened : XX/XX/2016 Amount : {$14000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
On XX/XX/XXXX we requested information regarding a refi of our home for a lower interest rate. We purchased our home XX/XX/XXXX for {$230000.00}. Financed {$120000.00} at a 5 % rate for 30 years. We submitted a standard form and posted it on the Internet. A gentleman by the name of XXXX XXXX was our primary contact. He assured us that with our credit, financial history and stability that he felt sure Cardinal Financial LLC. could provide this service. We paid {$500.00} that day for an appraisal, which we put on our XXXX XXXX. 
As of this date, XX/XX/XXXX we have had 11 revisions, repetition of information scanned to Cardinal. They continue to require information that does not have bearing and is repetitive. We are as of this date XXXX, XXXX terminating association with Cardinal Financial LLC. Delay of completion of this contract, multiple request for additional information previously supplied, concern regarding use of our private information are all factors. Any information provided to Cardinal Financial LLC May not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Happy Friday TSI / CFPB ; I been getting inundated & abusive phone calls from TSI for unknown alleged debts from XXXX XXXX and XXXX XXXX. I never had any relationship with any of these companies listed.. 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 Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I closed a refinance with XXXX XXXX XXXX XXXX  ( XXXX ) on XX/XX/20. Wells Fargo purchased that mortgage from XXXX on XX/XX/20. The final XXXX statement shows a note payoff " Payoff Sold Servicing '' of {$500000.00}. However, when Wells Fargo set up the new mortgage effective XX/XX/20, they set it up with a starting balance of {$500000.00}. They added XXXX {$1500.00} to the mortgage principal despite the fact I had paid all accrued XXXX interest to XXXX in my first ( and only ) monthly payment due XX/XX/20. When I called them they said they didn't know why the extra {$1500.00} had been added to the principal and it would take them up to 30 days to investigate. Given their reputation I do not trust that this was a mistake and I am concerned they are doing this to other people who may not notice the extra principal added.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
5TH COMPLAINT ABOUT INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

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 non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
Happy Friday! - 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 2020-10-16 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. This information does not belong to me and they have failed to verify this debt. 


National Credit Adjust Amount : {$400.00} Date opened : XX/XX/2020

Company response to consumer: Closed with explanation