vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I called my mortgage company, Penny Mac to request to take my loan out of the covid forbearance program and begin making payments. I sent correspondence to them XX/XX/2021 prior to the request being made and I have yet to hear from them regarding that email. Since I have requested to have the mortgage reinstated, they told me I had to complete a modification, which I have sent everything they have asked of me and every time I call they ask me to send the same documents that I have previously submitted. The reps also attempt to reach out to the underwriter, usually with no success. This is frustrating as every time I call the representatives tell me I need to submit something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have provided proof to Navy Federal as well as XXXX  that an account is being paid as agreed. It was deleted from my credit report in XXXX. Everything was fine and this month its back again reporting incorrect information. It continues to be a problem with navy federal. I have attached the latest payment Ive made to navy feds outsourced company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Back on XX/XX/XXXX when the pandemic started my husband and I lost Our Job. I needed assistance regarding putting my payments on hold. They put my account on forbearance. I requested if my payments that I missed could be put in the back of the loan. I had to supply them with documents which I provided with everything They requested. They also requested my awards letter stating that I was unemployed from XX/XX/XXXX to XX/XX/XXXX. They wouldn't accept the letter because according to SPS my unemployment expired after XXXX weeks which was not the case. I still had money in my account because I was also working part-time and collecting partial unemployment. I even contacted unemployment to see if they could provide me with another awards letter ( determination letter ) They told me that they don't understand why SPS is giving me such a hard time because it literally states on the determination letter that they already had says everything. Unemployment can not change the date of when I'm entitled to my unemployment. It goes from year to year. They gave me such a hard time because they insisted on this letter that I could not provide because I already provided them with one. The reason why my unemployment went beyond the 22 weeks that they are talking about is because I worked part-time and collected part-time and at times I did not collect any unemployment because I made more money at my part-time job because I put in more hours so those 22 weeks was extended to approximately 7 months. I don't know what else to do and I do not want to lose my house but they are not willing to work with me. All other creditors that I've been dealing with if I didn't make any payments any unpaid balance they applied to the end of my loans but SPS refused to do that now causing me to be in default and possibly losing my house. If you have any questions regarding my complaint I can be contacted at XXXX. Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is claiming that I owe them {$1500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I tried to refinance my home loan taking advantage of the lower interest rates out there. I used my own mortgage company ( NewRez ) to refinance my loan. Since I started the process its been a nightmare. Lock of information, not returning my calls or emails to answer any concern or question. Also I want to speak my native language because I feel more comfortable and the representative from Newrez refused to speak with me in my native language even though she admitted to speak my own language. Asking me for information already submitted. Blocking me to speak with a supervisor. I requested to speak with a supervisor a month ago and til todays date no answer. I was told the process would be fast since I provide everything. It has two weeks in underwriter and no response. The loan processor refused to transfer my emails ( complains ) because she said she dont have control or jurisdiction. At the beginning I told them that I didnt want to have same loan officer but same loan officer continue calling me. This loan officer didnt take the time to look fir my submitted information. One time I have to insisted that I sent my documents and finally she checked the spam and my documents were there. She had excuses saying she have many loans in process. I feel discriminated and I think they dont want to give me the locked interest rate because I have a good credit score. They offered me 1.99 %. They just prolonging the time to make me to apply again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Kriya Capital, LLC
State: TX

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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: I.C. System, Inc.
State: TX

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report 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 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: CA

Complaint narrative:
insured by the XXXX  at time of us this bill, I am on ssi.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.
State: CA

Complaint narrative:
i am on ssi and had medical coverage when the bill of service was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
The Verification section claims that their closed the credit card because they were unable to verify identity. In their own findings, the account was not founded as valid. 
They actively closed the credit card with a balance due without providing purchase review support with fraud department in 2018. 
After reaching out many times and reporting to police, Fraud support section claims they were unaware of account verification problem at account opening and any subsequent purchase review needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: VA

Complaint narrative:
A local used car lot got me financing through Westlake Financial Services, XXXX XXXX XXXX, XXXX XXXX, CA. My vehicle was repossessed. The loan company sent me a letter stating the outstanding amount and offered to take a lesser amount to settle the account as " paid in full for a lesser amount '' if sent by certified check within a short time period as a one time payment to close the account. I followed the instructions as stated in the letter and made the payment. Within a short time, I received the same letter with the amount due with the check I sent as a payment to reduce the balance, not close the account, and another offer to send a certified check for a lesser amount to close the account. I called to inquire as to why the certified check was applied as a payment on the account instead of applied to close the account. The agent said sorry, can't change it. When I asked to speak to a supervisor they were all busy and would call me back. I called four times, spoke with four different agents and got the same answer with the promise that a manager would call me. No one ever called me. My credit report does not reflect that I paid in full for a lesser amount.

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 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
this debt is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I took out a personal loan with Loan At Last, an online lender. I borrowed {$300.00}, but as usual planned to pay back before the maturity date. 
I ended up losing my job due to COVID and lack of business. I have already paid $ XXXX and I still apparently owe them {$530.00}. 
I attempted to email to see if I could just pay the original loan amount, or to see what could be worked out. 
Unfortunately I was told there was nothing that could be done. I had no idea, and have never before seen a 500 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: SC

Complaint narrative:
XXXX was Issued XX/XX/XXXX, and paid in full XX/XX/XXXX ... .a payment was never missed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2021 I received my stimulus check by direct deposit onto my PayPal account. PayPal them limited my account for " shared '' info. I had explained to them multiple times that the " linked '' accounts dont belong to me but they keep giving me excuses and wont release my funds for transfer or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07 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: GA

Complaint narrative:
I mailed letters to all XXXX credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX  a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have sent off a letter to National Credit Systemsfor account number XXXX, they have continuously defamation of my character by reporting this debt to my credit. I have sent them a Validation of Debt in XX/XX/XXXX they responded on XX/XX/XXXX with a letter stating they have yet to find sufficient evidence to validate this debt, the only thing they attached was a bill this could have been from any where my signature is no where on a print out, they have continue to report this debt to XXXX.I have also continued to write XXXX to let them know this company will not validate this debt to remove from credit. I have sent them another letter on XX/XX/XXXX no reply. this is was my final option I have sent another letter on XX/XX/XXXX they will not validate this debt I have asked them to remove this from my credit. I have attached all correspondences letters along with my Certified receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The bubbles provide did not accurately describe my problem. I believe Comenity Bank/VCTRSSEC illegally accesses my credit report. Not only did I NOT apply for a line of credit them I did not supply my SSN # nor did I give them my DOB. Yesterday XX/XX/2021 ) I was shopping online I bought 1 item from Victoria secret ( VS ), at checkout I supplied payment with my personal Visa and completed my purchase. About 30 seconds after my purchase I received an email from my credit monitoring service that Comenity Bank/VCTRSSEC attempted to access my credit? Per my credit monitoring service they told me to contact that bank, so I did. Upon calling I was forwarded to the fraud department. I explained what just happened and the rep. said he needed my SSN to look into it. I told him that I was not going to supply that to him, could he look under my name since that should be on file if someone tried to open an account under my name. He told me NO and that I probably accidently clicked something to apply. I told him that would be impossible since I would have to supply my SSN # and DOB and agree to the card and agree to have my credit pulled all of which I did not do. I have shopped with VS online many times before and never had an issue, but the fact that my credit was pulled within 30 seconds of checking out with VS I believe this company is using illegally obtained information i.e. SSN # Dob etc how else would that have that information? I have NEVER had a VS card or any other clothing store cards. I would have though maybe someone was trying to use my SSN if it didn't happened so quickly after my purchase. Also after looking at some stories online I found that this bank has a history of opening lines of credit that were not solicited and the people have no idea how they obtained their personal information. My personal information has been breached a few times so its possible this company has illegally obtained my information from one of these breaches and once they had confirmation of my name and address they linked me and tried to open a line of credit. This is very serious and the fact that they told me they needed my SSN # to look into it and suggesting that I might have accidently applied is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: GA

Complaint narrative:
I mailed letters to all 3 credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation