vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 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: CA

Complaint narrative:
Portfolio Recovery Associates, LLC has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is  dated XX/XX/2019. 

I did not respond to this most recent communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAD DISPUTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$1200.00} FROM THE XXXX XXXX XXXX ON XX/XX/XXXX AND IT WAS DELETED FROM ALL 3 OF  MY BUREAUS ON XX/XX/XXXX IN THE MONTH OF XX/XX/XXXX IT WAS REINSERTED ONTO MY EXPERIAN AND XXXX REPORTS, SO I SENT A CERTIFIED 5-DAY REINSERTION LETTER IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION 611 ( a ) ( 5 ) ( B ) ( ii ) TO BOTH EXPERIAN AND XXXX, BOTH ELECTRONICALLY SIGNED IN ( I HAVE ATTACHED BOTH SETS OF LETTERS ) AND NOW THEY ARE IN VIOLATION OF THE 5 DAY AND HAVE NOT DELETED THEM FROM MY BUREAUS. I HAVE RECEIVED NO DOCUMENTATION IN THE 5 DAYS AND I WANT THESE DELETED IMMEDIATELY!

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 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-14 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: Financial Recovery Services, Inc.
State: IL

Complaint narrative:
I contacted XXXX XXXX and XXXX at XXXX, Financial Recovery Service ; regarding the status of my account being  reported incorrectly. This company represents XXXX XXXX. This debt has been under debt consolidation with XXXX since 2016. The original debt was {$5500.00} and now Its under {$2300.00}. I asked Mr. XXXX to correct my status on my credit report. They're company did not. In fact, they updated the account worse. They removed the beginning balance. So, I asked XXXX to send all my deposit to another company. XXXX XXXX XXXX XXXX and XXXX XXXX has done for the last 3 years is against the Fair Reporting act. They must report fairly and accurately to my credit report. What they have stated on my XXXX  Account is a lie! Why would I make payments or pay down an account ; if they are just going to show an incorrect status on my account. Both these companies have just ignored the Fair Credit Reporting Act and decided that I do not matter! Can your company please help me with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
All happened today, the day this complaint was submitted. I tried submitting this complaint multiple times after calling twice. Disgraceful. 

This complaint is directed toward Ditech Financial LLC, the company that owns my mortgage. I tried reaching out to see about loan modification or forebearance, very temporary until XXXX. 

Background : After reevaluating my finances due to taking a XXXX dollar pay decrease from military orders sending me to Texas and my wife being forced to quit her job, Ive determined I need help with payments until XXXX when Im in a better financial situation ; a forebearance plan came to mind. 


Problem : I contacted your representatives who told me there was nothing they could do due to the fact my loan was owned by XXXX XXXX ; that I would have to be in a delinquent status. I called back shortly thereafter for a second opinion and was put on the line with a specialist. This specialist could not give me a single reason why I couldnt do this, nor was willing or able to provide written documentation as to why I would not be able to go through with a forebearance plan. She simply said no without any written regulation to back it up. Does this not sound ridiculous? Does this not affect credibility with your company?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
While reviewing my Equifax report, i realized that Equifax deleted addresses that weren't mine but added them back without notice or reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I tried disputing the item/asking for verification but I received nothing and no information. I dont have any information about this company except they recently added a false collection to my credit report for an account Ive never had before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Company : PNC Bank. 

Please see the attached letter sent to PNC bank on XX/XX/XXXX detailing the event in question. Since that time, I have been in contact with XXXX XXXX XXXX, Executive Client Relations Representative at PNC Bank. Her contact information is as follows : ( p ) XXXX ; ( f ) XXXX ; XXXX. Unfortunately, PNC has declined to reinstate the funds to my account, or even inspect, reprimand, or manage the PNC account holder that scammed me. 

On Thursday, XX/XX/2019, as instructed, I deposited {$1400.00} into a PNC account holders account by the name of XXXX XXXX ( Account # XXXX ). Subsequently, correspondence between the landlady and I became less frequent. She stopped responding to my emails and texts altogether, and never fulfilled her part of the agreement in sending me the keys and particulars to the unit. It is now evident that I have fallen victim to a scam. I was left devastated and, quite honestly, humiliated with no place to live only a few days before starting a new career. I have had to freeze my credit, open new banking accounts, credit/debit cards etc. The process has been exhausting, frustrating, and costly. 

PNC Bank has declined to look into the account that scammed me and further, declined my request to reinstate my funds after what they called a " thorough investigation. '' PNC indicated that my request was declined because of the policy that is signed by the account holder indicates that PNC is not at fault for these types of incidents, citing that the policy states that I " particpated '' in the nefarious transaction, even if unaware, as I deposited the funds willingly into the account. A significant point to consider - I was not a PNC account holder at the time I deposited these funds, nor was I ever previous to the transaction. I did not open an account with PNC until XX/XX/2019, so why is it that PNC is applying such terms to its rationale as to not return my funds? 

PNC has a responsibility as a financial institution to monitor and prevent fraud and the institute is outwardly denying adamantly to even investigate or contact the account holder. I am perplexed at how, me, as an outsider who was not an account holder at the time ; hence not signing or agreeing to any terms, is now being held to an agreement. Even more so, I am disappointed in PNC 's negligence and insouciant stance towards blatant fraudulent behavior. 

I can provide any and all documents upon request, including all email/text correspondence between the scammer and myself. 

Please feel free to reach me via phone at ( XXXX ) XXXX or email : XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
On our about XX/XX/2019 I viewed my credit reports and became aware for the first time that " Portfolio Recovery Associates, LLC : '' placed a collection account on my XXXX, XXXX, & XXXX. This arbitrary action by " Portfolio Recovery Associates, LLC '' had a devastating effect on my credit score & credit worthiness. I sent 2 letters ( both sent via certified mail ) to " Portfolio Recovery Associates, LLC '' requesting validation of debt and as of the date of this complaint " Portfolio Recovery Associates, LLC '' has ignored & denied my request. Furthermore, " Portfolio Recovery Associates, LLC '' actions is evidence that they are knowingly & willingly violating & denying my rights granted to me by " The Fair Debt Collection Practices Act '' ( FDCPA ) & " The Fair Credit Reporting Act '' The 1st letter ( via certified mail ) I sent to " Portfolio Recovery Associates, LLC '' was dated XX/XX/2019 & the second letter XXXX via certified mail ) was sent XX/XX/2019. I had no knowledge of " Portfolio Recovery Associates, LLC '' placing the collection accounts on all 3 of my credit report ( XXXX, XXXX, & XXXX ) and they failed ( knowingly & willingly ) placing collection accounts. Furthermore, " Portfolio Recovery Associates, LLC '' placed collection accounts on my credit reports without notifying me first & giving me the opportunity to request the validation of the alleged debt and by doing this " Portfolio Recovery Associates, LLC '' violated the FDCPA Collection Practice by placing a collection account on my credit report without sending me a letter first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Roseberry Inc.
State: IL

Complaint narrative:
I have told title cash in XXXX Illinois that I do not have the money to pay then until tax refund. They are calling me 5-7 times a day and my work place. The car in which i have the title loan on was dzmaged in an accident and no longer is drivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My wife and I sent a letter to the mortgage company ( XXXX XXXX ) dated on XX/XX/XXXX, sent via United States Priority Mail asking the mortgage company to correct the problem. We received a letter dated on XX/XX/XXXX, stating that we were still obligated to the loan. 
My wife and I were not borrowers in the loan modification that was filed in XX/XX/XXXX, but my son was the only borrower on the loan modification.

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 2019-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
HI.They again increased a mortgage monthly payment.I had an increase in XX/XX/XXXX.Now second time.My first mortgage payment was $ XXXX.Now they want $ XXXX.This is {$180.00} more from the begins.This 13 months period when my mortgage increased by $ XXXX.My increased mortgage in XX/XX/XXXX had included new taxes.Now there was not change in taxes and not changes in mortgage insurance but they have increased escrow by $ XXXX.I beg please help me.I trace financial liquidity.PLEASE HELP ME BECAUSE THEY ARE CHEATING ON ME. 
They did not answer to me previous complaints.Now 15 days pass. 
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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
SOUTHERN OREGON CREDIT SERVICE repeatedly called me refusing to identity who they were or what the call was regarding. They attempted to collect information from me without first identifying themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
I have tried to have Helvey and Associates fix the date of first delinquency on my credit reports and they continue to provide standard responses to my request, stating there is nothing new to review. This will be the final attempt before taking further action. The Consumer Law states the date of first delinquency also known as the DOFD is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. This is the date also used for State Statue of Limitations. Helvey has provided spreadsheets showing my last date of payment is XX/XX/2013. They have reaged this date and by further admittance in the XXXX XXXX report and have admitted they are using a date of disconnection, which reages the account out an additional year on my credit report. This is listed as unfair practices according to the FCRA which not only can they be fined for, I could sue them for a lot more money then they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I had an suntrust opened up under my name about 3 year 's ago didn't know until i received checks an cards in the mail when i called to notifying them it wasn't me they told me the account was already closed an i was responsible for the amount owed I'm now on XXXX XXXX an unable to open account. Because it comes up as fraud I've been fighting this for sometime

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Used previous address for alleged outstanding bill. They also linked my telephone number to the account. I never had an account with the original consumer.

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 2019-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is  dated XX/XX/2019. 

I did not respond to this most recent communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I ( SS # XXXX ) and my now wife XXXX XXXX ( SS # XXXX ) received notification from my credit monitoring system that a collections account form Hunter Warfield was reported on my credit profile in the amount of {$160.00}. The original creditor is XXXX at XXXX XXXX which is my primary residence. I contacted to property manager in person and via email about this debt because our rent has not been late, nor have we carried a balance and this was our first time learning about this debt. The property manager explained that the balance was from the unit we transferred from. ( we moved from unit XXXX to XXXX earlier this year ) We see the apartment staff at least once a week and we pay our rent via their online portal and we were never notified of this debt. We asked the manager to remove the debt from our credit because we never were given notice of the balance due prior to being sent to collections. To date this item still remains on our credit. We don't have an issue paying the amount, our only concern is paying the amount and it appearing on our credit profile as a paid collection when it shouldn't have ever been placed in collections.

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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
SOUTHERN OREGON CREDIT SERVICES has never informed me of any rights to dispute my debt or even what my debt was related to prior to serving me. I have been unable to verify if the debt is even valid. They use deceptive practices and refuse to identify themselves when calling or when I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My life has been turned upside down from # 1 inaccurate reporting # 2 charged by Experian was to be refunded and never revived. 
# 3 my SS # and information was breeched from Experian and caused further harm. 

I demand my perfect credit restored and my wrongful payments charged without my consent returned. 
Reaching you through all conventional methods is nothing is a joke. 

This is my life a life of being a good person and Experian needs to realize the harm caused. 

I have tried and tried PLEASE FIX ALL THIS IMMEDIATELY.

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 2019-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On XX/XX/2019, my bank sent University Accounting Services the payment due on XX/XX/2019. Documentation indicates it was received by UAS on XX/XX/2019. 

UAS sent a report to the credit bureaus indicating that I had missed my XXXX payment. My credit score dropped 140 points. 

I contacted UAS by internal website messaging and by phone. I also submitted a dispute form to XXXX XXXX regarding this issue. 

The customer service agent at UAS insists that the payment received on XX/XX/XXXX was payment due on XX/XX/XXXX. I told her that this was incorrect. I have documentation from my bank showing all payments were sent two weeks ahead of the due dates to insure proper time for application.

She has sent my account to an accounting specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation