vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
My loan was transferred to PNC Bank ( without my knowledge ) on XX/XX/2021. They did not inform me of this until XX/XX/2021. That being said, I contacted my previous mortgage company to get their information and made my XXXX payment ( which was accepted and applied to my mortgage ) in XXXX and ON TIME. I received a collections call on XX/XX/2021 for my XXXX payment. I called the bank as the recorded line instructed me to do. I asked the representative that answered ( XXXX XXXX why I was being called and she said I was getting called by their collections department. I informed her that my payment was not late and after talking to two representatives who both informed me that I was late ( XXXX and XXXX XXXX in making my payment that I was getting called by their collections department ( on my work phone without my consent ), and that I would be assessed a late fee. When I explained to them that what they were doing was against the rules as set by the CFPB they still tried to tell me that I was late, but would not get a late fee unless the payment was not received by the XXXX. They did transfer me to their collections department. The individual I talked to in their collections department understood that I was correct and that what they are doing is not in accordance with Federal Regulations and stated that in accordance to the PNC rules I could NOT put in a cease and desist order stopping them from calling me on my work phone unless I took the action of writing to them. I have never given PNC permission to call me on my work phone or my cell phone. My loan was transferred to them without my consent or knowledge. This is creating a hostile collections environment for me when I am not even late in making my payments. They are trying to embarrass me at work, stress me out and may have even tried to illegally assess a late fee when the payment was not late. I have had many mortgages and have never received a collections call from any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: NY

Complaint narrative:
On XX/XX/2021 XXXX and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX  a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Their investigation did not fix an error on your report
Company: CORELOGIC INC
State: NY

Complaint narrative:
On XX/XX/2021 Credco and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX XXXX letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too

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 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I got a notification from XXXX that I had a new account in collections. It's from a 'Credit Management Cntrl ' for {$1600.00}. The reporting company seems to be management company of an apartment I used to live at with my parents and brother. I had moved out of this apartment over a year prior, and was taken off the lease. Whatever this money is owed for, it is not my responsibility, as again, I had not lived there in over a year when it was added to my credit report. I've disputed this with XXXX multiple times, and I've tried contacting the company with no response. Neither my parents nor my brother, who were on the lease at the time, received any information from anyone about owing any money and have no collections accounts on their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is a complaint against Capital One Credit Cards and their failure to follow the Federal Law and mark my Credit Reports with my Dispute of the 3 accounts they are reporting with them. I've sent 2 different letters via the USPS Certified Mail and all were signed off on at Capital One on XX/XX/2021 and XX/XX/2021. These were all confirmed delivered from Capital One 's communication to me in response to receiving these letters. However, Capital One has violated the Federal Law and my rights under the FCRA by not marking my Credit Reports within the 30 days allowed per the Federal Law and the FCRA. I've attached Proof of this of my Credit Reports from the following dates XX/XX/2021 ( past the 30 days of my dispute letter received by Capital One on XX/XX/2021 ) XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at Capital One on XX/XX/2021 and XX/XX/2021 ) and today XX/XX/2021 ( well past the 30 days of my dispute letter ( s ) received at Capital One on XX/XX/2021 and XX/XX/2021 ) I've enclosed all the letters that were sent to Capital One, the USPS Certified Mail receipts that they signed for them and received them, and copies of my Credit Reports on 3 different dates showing they violated the FCRA and Federal Law by not marking my Credit Report with remarks that I am disputing the information they are reporting. My rights have been violated by Capital One not following Federal Law and also my rights under the FCRA. Their failure to follow the Federal Law and my rights under the FCRA, has affected my ability to obtain further credit. This will also be filed with the XXXX and the Office of the Attorney General. Thank You for your attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
I have been working with XXXX XXXX  XXXX to refinance on my home that is a VA loan, have called multipul times to recieve a MORTGAE NOTE since XX/XX/21 and all they are giving me the run around XXXX XXXX XXXX call the week before and still nothing have called multiple times after. they gave me some number tab # XXXX what ever that means.is there anything I can do I really wanted to refinance this home thru HARP thank you LOAN the money source inc acct # XXXX My name XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Was not notified of investigation status or results
Company: ERC
State: PA

Complaint narrative:
ERC XXXX. XXXX XXXX XXXX, FL XXXX XXXX : Account # XXXX ERC failed to respond to my credit dispute letter that I sent via certified mail on XX/XX/2021, U.S. Postal Service tracking number XXXX. 

I am attaching a copy of the dispute letter that I sent via certified mail asking ERC to verify the accuracy or remove the unverified accounts listed below. According to the USPS ERC received my dispute letter on XX/XX/2021. 

In failing to respond to my dispute letter, and failing to verify that these accounts belong to me before the end of the 30-day period beginning on the date that ERC received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

I demand the following accounts be removed immediately. 

Name of Account : Account Number : ERC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have contacted experian XXXX and XXXX multiple times which they indicated that the dispute with bankruptcy and other information on my credit report appears accurate which I contacted XXXX they stated that these items supposed to be deleted off my credit report which its not verification also they don't know what the company name or person who submit the paper work

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 2021-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
On XX/XX/2020 my home was damaged by the derecho. My insurance company gave me 2 checks and listed my mortgage company ( Freedom Mortgage ) as a co signer of the checks. The first check for {$33000.00} ( siding damage ) was sent to Freedom Mortgage ( FM ) they endorsed it and returned it to me. The second check ( retaining wall ) for {$52000.00} was sent to Freedom Mortgage for endorsement, but instead they took the check and returned {$6500.00}. Giving me {$40000.00} to work with. 
At the time they assured me I could get the balance in 5 days with each 25 % of progress. 
The retaining wall was mostly complete of XX/XX/XXXX. I contacted FM They said they needed to send an inspector. It would take 5 work days. I reached out after the 5 days they had no idea what happened to the inspector, but I could send photos and they would accept that. 
Flash forward after calling several times a week usually spending more than 2 hours talking the Loss Draft Department. On XX/XX/XXXX the agreed to send a partial payment of {$11000.00}. TO prove they were going to send it they gave ma a tracking number for a XXXX  XXXX delivery. That envelope has not shilled yet. 
I discovered that they never requested the inspection, until XX/XX/XXXX. The inspector came out and said the work was 95 % complete. They sent that to FM. FM told me they did not believe the inspection report. 
Several more calls on XX/XX/XXXX, they said they were going to send me my full payment of XXXX $ XXXX. And, the same tracking number would be used. As of this morning, the envelope has not been shipped.

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 2021-06-14 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: NC

Complaint narrative:
All negative accounts on experian report is fraudulent with no proof of ownership.also all 17 inquiries. 
XXXX  is also exploting fraudulent accounts with no proof of ownership.also inquiries.

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 2021-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
mortgage company not paying escrow on home taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: DE

Complaint narrative:
Synergetic communications, Inc sent me a letter stating that I owed the amount of {$550.00} with a discount offer of {$160.00}. 
The client that Synergetic com Inc, represents is XXXX XXXX  Overdraft. I've never owned a " XXXX XXXX  '' account. 

I'm asking to erase this from my credit account. 

I'm seeking for this company to prove, dates, signatures, identification, and validation of ownership of this account. I'm also seeking to investigate this company for fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have 2 XXXX accounts, one was with XXXX XXXX the other was with XXXX ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX sent in a request to XXXX to remove all tradelines on my XXXX account..in XXXX of XXXX XXXX XXXX  sent in a request to XXXX to remove all tradelines with XXXX XXXX ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a XXXX representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have 2 XXXX  accounts, one was with XXXX XXXX  the other was with XXXX  ... both of these accounts were with a collection agency XXXX XXXX. In XXXX of XXXX XXXX XXXX  sent in a request to XXXX  to remove all tradelines on my XXXX  account..in XXXX of XXXX XXXX XXXX  sent in a request to XXXX  to remove all tradelines with XXXX  XXXX  ... .as of now this has not happened. Both of these accounts are still being reported as derogatory. Spoke to a XXXX  representative and she stated that there is a dispute and in XXXX I will get my results, I explained that I am not calling about the dispute and that my call was in reference to why these accounts are being reported as derogatory when the request was to remove all tradelines in XX/XX/XXXX and XXXX of XXXX, first stated she didn't see these request, then she did, very confused and was not certain of her statement, i called back XXXX XXXX and asked them if the credit bureaus did an investigation on tradeline remarks being removed and she said no.

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 2021-06-14 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to XXXX, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
In XX/XX/XXXX, my wife and I were forced to leave our apartment. I was laid off and as a function of that our pending home purchase fell through. Our management company at the time ( XXXX XXXX of XXXX, Maine ) made no concessions or efforts to work with us during the COVID19 pandemic and this period of unemployment ( which persisted through XXXX and continues as of XX/XX/XXXX ). 

We located a temporary, barely habitable, rental and moved on XX/XX/XXXX. We did not receive our final bill from XXXX within the 30 days, as outlined in our lease, nor did they provide an itemized ledger. Instead, they sent our account to collections before providing us the opportunity to pay or make payment arrangements. Lastly, we had requested to settle with the landlord, a XXXX representative sent one email to this effect and sent us to collections anyway and without notice. 

Our complaint involves both XXXX and The Thomas Agency. On XX/XX/XXXX, The Thomas Agency sent us a notice that XXXX transferred our account to them. We disputed this ( through certified mail ; return receipt requested ) on XX/XX/XXXX. In our written dispute, we asked for validation and that Thomas Agency return our debt to XXXX so that we could continue to resolve our account directly. 

We have not heard from the Thomas agency since XX/XX/XXXX. They never provided validation of the debt, nor did they attempt to send any bills or contact me ( by phone, email, or mail ) to request payment or gather information. Instead, and without any notice, they began reporting this account to all three credit agencies in XXXX of XXXX. 

I have disputed this account with the credit agencies and The Thomas Agency continues to erroneously claim their information regarding an unvalidated debt is correct when it is not.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I unlocked my credit to allow XXXX XXXX  access for a mortgage. With my credit open an unauthorized credit inquiry from Small Business Admin Oda was made on XXXX. I called the Small business division at the number listed on my credit and they advised me that it was an attempt by someone using my social security number and declined. I was given a case number # XXXX. I was told that this is an ongoing problem but in my case is definitely an attempt at identity theft.

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