vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans union allowed XXXX XXXX XXXX XXXX to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. XXXX XXXX XXXX XXXX closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds

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 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
there are multiple violations. I send the credit bureaus and the collector multiple letters and every time i receive a letter saying the debt has been validated ... correct me if im wrong they did not even do a proper investigation for this account as i just pulled my report and there is no comment stating that this account is in dispute ... ..the account numbers are reporting differently between the 3 bureaus ... .account types are reporting differently ... XXXX  is reporting a past due on a collection and the other 2 bureaus are not ... .XXXX  is reporting a payment status of 120 days late and the other 2 bureaus are reporting Collection/Chargeoff as payment status ... ..all 3 have different dates of last active ... .there are too many violations for them to have conducted a proper investigation ... i have attached a copy of the report ( only this portfolio account ) for you to see the violations ... .next step is sending this to an attorney as i have a copy of all of the letters i send to the bureaus and portfolio as well as all of the credit reports for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to XXXX. They are stating that the original amount of the debt is {$69.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. 

Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to XXXX. The amount of this debt also continues to grow with interest being tacked on and now sits at {$160.00}. 

I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have a collection account on my credit report that does not belong to me. I am a victim of identity theft and would like this account remove. I have spoken with the credit bureaus and they have refused to remove this fraudulent account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I check my credit report and notice a item from Portfolio Recovery with a alleged debt for {$430.00} that i do not owe.i sent them a letter on XXXX XXXX concerning this item and with a list of things that i am asking to return to me about this account.I have attached a copy below of the letter that i sent for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portifolio Recovery Associates llc Inc is pulling my XXXX XXXX credit report for account reviews when they have no account to review for collection the account that they did have has been closed to all collections for being exempt from debt collection due to being on Social Security XXXX for life so they have no right to pull any of my credit reports for account review unless they are attempting to collect on exempt funds they closed the account and stop all further collections. they have no reason to review my reports for an account they can not ever collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Aargon Agency, Inc.
State: MD

Complaint narrative:
AARGON Collection has been contacted by myself, XXXX XXXX about account number XXXX which was paid off XX/XX/2020. I contacted AARGON Collection and asked for " Removal Letter '' the first gentleman I spoke with in their collections department simply told me in a very nice and professional way that he is unable to produce a " Removal Letter '', I then asked to speak to a manager by the name XXXX XXXX who told me in a not so nice way that this company is only responsible for reporting when the account is paid and that is what they did so there is nothing else legally they need to do and that was the end of our conversation. I then called back and spoke to a very nice lady by the name of I believe XXXX who told me that they can give me the letter that I am requesting and she does not know why I am having such a hard time. She sent me back to their collections department and I got another nice gentlemen who explained to me that before the pandemic they would have been able to give me this letter with no problem but now they do not have the ability to do so. That he was very sorry. I could dispute it with the credit burrows and they will not fight it. He seemed to try to pull something up on his end but was unable to do so. He said the company was sued by a lady and now they have stopped producing this letter.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was trying to pay extra principal to my mortgage account on this pandemic time while many people are having financial hardship and deferring payment.

on below date i transferred my saving account money to mortgage account. before i did those 2 extra payment my principal balance was {$80000.00}. it's very simple math to deduct {$30000.00} and remaining balance should be {$50000.00} but Bank of America is showing {$60000.00}. 

XX/XX/2020 Extra Principal Payment {$20000.00} XX/XX/2020 Extra Principal Payment {$10000.00} I call BOA mortgage department, debt collection dept ( XXXX ) more than 20 times, every time they pretend they understand but can't change amount because they have their system upgrade and need to approve it from mortgage  department. 
I see many reversal posting in activity which is causing this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We all know the this pandemic got more then half of the country on unemployment and there is a XXXX going on. Even though the crisis going on I was trying to still keep up with my payments the account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I resided in the apartment complex. At the end of my lease. I departed from my apartment on XX/XX/2019. My lease ended XX/XX/2019. I paid XXXX for the full month rate. As I departed in the middle of the month, 18 days early, that left me with a credit of {$870.00} on my lease in which should have been applied to any final balance imposed. I was assisted by XXXX XXXX XXXX  Emergency Financial Assistance to Veterans to pay my last month rent as I was unable too. I was charged {$600.00} for cleaning fee that should have been applied to the prorated credit owed. The Apartment company withheld my credit and did not return it to me or back to the XXXX XXXX XXXX Emergency Financial Institute that assisted me with my payment and tried to charge me with an outstanding balance. The company sent me a cleaning bill in which they claimed they paid their staff the {$600.00} to remove a bed and dresser from my apartment. Because my credit for the month was not returned they should have applied the balance that is claimed, otherwise this would be considered as theft from the XXXX Emergency Assistance program as the credit/funds was not returned. I am not obligated or held to this charge. And I request this collection be removed completely from all credit bureaus report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
On XX/XX/2020 my car was reposed by this company by a fraudulent repo driver. That lied about the location he picked the car up from as well as his tdl number wasnt found anywhere. My car was reported stolen with HPD only to find out more than 2 hours later it was repossess from a different location whatcha is untrue. I made arrangements and paid more than I was supposed to Im not understanding how Im behind when its drafted from my account. When I inquired about my account on day 1 I was told I was 197 delinquent and the next day ( less than 24 hrs ) I was informed my account was 287 days delinquent. Which is it.. I just want my money back that is claimed I didnt pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TX

Complaint narrative:
I filed a complaint against Experian thru CFPB on XX/XX/2019 attached with a complaint response from XXXX XXXX XXXX that is listed on my report that I also file against the creditor last week on CFPB and they responded.. Without Experian opening the file attachment that I have attached to this complaint again, Experian responded back to me this morning WITHOUT bothering reading the attachment. XXXX XXXX XXXX said in the attachment ( PLEASE READ IN ITS ENTIRETY ) that they will remove the negative tradeline from my credit report in 45 days. I'm asking Experian to remove it earlier based off the attachment that says XXXX XXXX XXXX will remove it. Please do not send me a response without reading the document telling me about an investigation back in 2019. SEE ATTACHMENT

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 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX and XXXX, 2020 At XXXX this debt collector called and reveled personal information of the nature of the debt owed and also the original debtors information on an unidentified voicemail line. This voicemail service was not identified as belonging to me and reveled personal information that should not be shared with others, violating my rights to privacy and FDCPA. These voicemails have since been saved as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A woman named XXXX XXXX ( I believe thats what she said her last name was ) calls my number every day privately.. she says shes with MCM ... midland credit management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
On XX/XX/2020 I received a phone call from a woman named XXXX XXXX at XXXX XXXX   regarding a " watch over case '' that is being prosecuted through the county I live in. In the voicemail from XXXX XXXX, she states that my rights will be legally fortified if I do not respond. XXXX XXXX also threatens to contact my place of employer to get hold of my supervisor to find my location. XXXX XXXX also contacts a relative of mine with the same information saying that I am being legally prosecuted by the county I live in. 

I call the number back and it's an alleged debt collector called " XXXX XXXX XXXX ''. They tell me I owe a debt of {$130.00}, and the " responding officer '' is on my case but will not tell me more information. They put me on hold to " unlock '' my case so I can be told more information, while they put me on hold I hang up the phone and I call the county courthouse to see if there are any open cases against me. The county district courthouse has no pending or open cases against me, and I call Ace Cash Express from whom " XXXX XXXX XXXX '' says that is where my debt is and I have no outstanding debt with Ace Cash Express. I have not been made in contact with ACE cash express, no collection letters, or nothing being reported on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
Called RADIUS GLOBAL SOLUTION Original creditor : XXXX XXXX XXXX  XXXX to resolve the account and they were unwilling to work with me concerning the payment for the old bill which they are a thrid party that handles the old account for XXXXThis was on XX/XX/20 when I called to resolve the account last.

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 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
AFNI is erroneously reporting a collection from XXXX whom I never had business with .... I contacted AFNI on multiple occasions for 5 months now who keeps telling me they can not find this account in their system, NOT by my social, NOT by my address, NOT by account #, and NOT by address. Advised me to contact XXXX again and again XXXX   came back stating this account was validated byt AFNI and it is still on my report .... why is it ok for AFNI to damage my credit and how they can validate this to the bureau but can not provide me the consumer with details of the account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
I closed on my mortgage on XX/XX/XXXX. Shortly after closing I was notified by the Lender that I was required HO6 insurance. This information was not made available at any point before or during the closing process. As a matter of fact, I closed without having HO6 insurance. I never had it since I bought the property in XXXX. 

I find unethical, and perhaps illegal that Planet Home Lending is asking for that insurance now. I would definitely would not have close on this property had I known of this issue. 

My loan broker was : XXXX XXXX XXXX XXXX NMLS ID # XXXX P : XXXX F : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
i notice a negative item from CONVERGENT OUTSOURCING on my credit report on XX/XX/2020 for an alleged debt of XXXX that i do not owe, so i sent them a letter on XX/XX/2020 requesting information that is relevant to this matter.i haven't heard from them as of yet.

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 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received a letter from Convergent Outsourcing Inc dated XXXX XX/XX/2020 notifying me a XXXX account I had was sent to collections. I never got a final bill from XXXX, but that is another discussion. 

On XXXX XX/XX/2020 I got a call on my cell phone demanding payment from the same company. This violated the 30 day validation period that began XXXX XXXX per the notification letter. 

I confronted the collector on this and was sent to a supervisor. The supervisor denied the violation and again demanded payment. 

I requested a breakdown validating the balance, and was told that would have to come from XXXX as the collector can not furnish one. I confronted them on the fact the collector is obligated per FDCPA to furnish the breakdown when disputed and requested. They denied that as well.

There are FDCPA violatio

ns : 1. Initiating contact inside the 30 day validation period. 2. Refusing to provide an account breakdo
wn validating the debt.

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 2020-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
I contacted Amerisave this past XXXX regarding a refi of our home. We currently have a VA loan. We applied for a VA refinance the early part of XXXX. The process then began. We were required to pay a {$500.00} fee that would cover their initial costs. The only time they would contact us is when they needed a document. They wouldnt return phone calls, texts, or emails until weeks later but only because I would finally get hold of someone. They kept stringing us along. Our income is six digit - way above six digit. We owed {$380000.00} on our {$560000.00} home. We have had our mortgage going on six years. Our credit score is over 800. During the many months of working with Amerisave a VA appraisal was required and was accomplished. I finally gave up and told Amerisave they failed to perform and I told them I wanted a refund. They refused. I requested they turn over the VA appraisal which they did but I was told by a second lender that we went to in XXXX that Amerisave would have to release the appraisal directly to them. They wouldnt. Our new lender then contacted the VA informing them that Amerisave would not release the appraisal. Amerisave finally released the appraisal under threat from the VA if they didnt. The next day, the appropriate people were in receipt of the appraisal. Unfortunately we had to pay {$800.00} for the appraisal since our original up front payment to Amerisave this past Spring supposedly was for fees and not for the cost of the appraisal. Due to no fault of our own such as changing our mind or unable to qualify, but instead Amerisaves inability to perform, we are now out {$1300.00} and approaching a closing date with the new lender. Amerisave misled us and had already taken 4 months to refi our home, which is not even close to the industry standard. Theres no telling how much more time would have been required before we could close. This company is a sham in my view and should be stripped of their license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief