vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc.
State: TN

Complaint narrative:
I received a letter in the mail informing me of the debt collection from Key 2 Recovery for a little over {$7000.00}. After speaking with them initially, I told them that I could only pay a small amount due to only being part time. I also asked them on the initial call that I did not want them calling my job, since we are not allowed to take personal calls. 

The second time I spoke with someone, they were very rude and not understanding of my current financial situation. The woman I spoke with then asked for my work information ( name, phone number, etc ) and I refused to disclose that information and again told them that I did not want them calling my job. 

On XX/XX/2021 at XXXX, they called my job. I answered the phone and told them that I have told them twice to not call my job. I then went and called the company again from my personal phone and spoke with someone who then said that it just now said to not call while I was at work and the number was removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Refianced mortgage via home equity loan with XXXX XXXX Bank, took possession of loan XX/XX/XXXX for {$130000.00} and sent closing documents/payoff to Santander with XXXX receipt via tracking XX/XX/XXXX for {$130000.00} payment amount. Santander took payment from me XXXX {$1100.00} and refused to acknowledge receipt of closing package until multiple calls to them and emails sent to them including to national customer service dept beginning XX/XX/XXXX. Santander closed out mortgage paid in full as of XX/XX/XXXX and is now saying after nearly 90 days of research that the payment date can not be changed to XX/XX/XXXX paid in full as the " payoff was sent one month after the quote expiration date. The amount sent would have been insufficient without the XXXX payment ''. No one at Santander can provide me with this date upon request but XXXX provided me with the Santander document for the XX/XX/XXXX pay off. Note-the payoff amount ( physical check from XXXX to Santander ) was written out for the XX/XX/XXXX pay off amount Santander gave and Santander refuses to acknowledge $ amount of the physical check received. I paid two banks in XXXX for the same mortgage as two banks were servicing it, XXXX via the refinance and Santander via the original loan as they refused to acknowledge the closing packet was received by their branch the month prior. They refuse to fix the situation or give me any further information and I am out over XXXX due to this.

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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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: LendingPoint Holdings LLC
State: LA

Complaint narrative:
this account is not mine. I contacted the creditor as well as sent them a copy of police report stating my information was used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
XX/XX/2021 I applied for a home equity loan at Atlantic Union Bank XXXX Virginia. Loan officer said I could borrow up to the 80 % of the appraised value of my house. I chose 50 % for a {$50000.00} loan approx. 

I submitted an official credit score document up to date 4 days prior, showing 803 " excellent '' in a green circle. This was accepted by the loan officer. I presumed this would be used.

She indicated there should be no problem. 4 days later I was informed that I can only borrow {$12000.00}. I was surprised as two other banks in the area XXXX XXXX XXXX and XXXX XXXX offered the full {$50000.00} where I don't have any money deposited like I do this Bank. 

I explained to the manager why the reasons they gave me did not make sense from a banking or common sense standpoint. I would not put my home up worth a XXXX XXXX for a {$10000.00} loan that I don't need. It was for a slush fund as I explained to the loan officer. 

The larger concern for me is my CREDIT SCORE. They informed me that they did a hard credit check to verify my credit score on the official document I submitted. It took me almost a year to get out of the 790s and to XXXX. One press of a button by Atlantic Union Bank took most of it away in an instant and back down into the 790s!

I was informed by two Atlantic Union Bank ladies that they do this to all there patrons. Three Atlantic Union ladies told me they agree with my common sense logic that this punishes their customers for not doing anything wrong. Following their rules to get a loan or to be considered for a loan does not reflect negatively on their financial management character. It's just applying for a loan. Why would you want to hurt somebody's credit. No answer The only people who benefit from lower scores unjustifiably are banks. They can charge you more to buy their money. Everybody else suffers, buyers, sellers, businesses the economy. Worse, this bank had an official verification of my credit score from a multi-billion-dollar bank right down the street. 

Had I known that they were only going to loan me a 10 % of the value of my house and that they were going to do a hard credit check doc my credit score 7 full points I would have never applied for the loan.

The person who approved the loan for such a small amount, I knew it would probably not be accepted and did the hard credit check anyway. And didn't think a thing about it.

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 2021-05-27 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Received a letter in the mail today XXXX XXXX2021. It is from XXXX XXXX XXXX  and Midland Credit Management , Inc., in the amount of {$1000.00}. This was discharged quite a while again in a bankruptcy claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX TransUnion ) and the Creditor ( DEPT ED/XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be 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 2021-05-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The following accounts listed on the FTC report were unauthorized and resulted in my social security number being used fraudulently.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( Equifax, XXXX  ) and the Creditor ( DEPT ED/XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am deaf and my wife contacted kohls to speak them because she is also on the account and she explained to them I was deaf and the representative didnt speak very good English and kept saying I was dead after numerous attempts telling him no I was deaf she thought everything was fixed so I went to fill out for a credit card and received a letter in the mail that I was deceased. This is very bad on kohls customer service and needs to be dealt with I was trying to explain to them that I didnt owe this debt but in turn they put that I was dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: MO

Complaint narrative:
I just notice that I have not received a response from XXXX, XXXX or Equifax for a letter I sent on XX/XX/2021. The letter was informing them of the inaccuracies on my consumer report and there are way too many. The consumer reports should be 100 % accurate and they must respond to me with a 30 day time frame and its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company 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 2021-05-27 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I AM WRITING YOU TODAY TO REQUEST REMOVAL OF MY WELLS FARGO ACCOUNT FROM THE THREE CREDIT BUREAUS, I PAID THE REMAINING BALANCE OFF AND ITS CURENTLY SHOWING {$0.00} BALANCE. I AM IN DISTRESSED BECAUSE I HAVE TRIED MULTIPLE TIMES TO HAVE IT OFF MY CREDIT FILE BECAUSE I AM IN THE PROCESS OF PURCHASING A HOME. THIS ACCOUNT IS HOLDING ME BACK FROM ACQUIRING CERTAIN QUALIFICATIONS TOWARDS THIS HOME AND I AM GETTING DISCOURAGED SINCE I'VE WORKED SO HARD AND THIS IS MY FIRST HOME. I AM PLEADING TO SEE IF YOU CAN REMOVE THIS ACCOUNT.

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 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Direct Recovery Services, LLC
State: NV

Complaint narrative:
Direct Recovery Services is placed on my credit report illegally. I have no knowledge or contract signed with the company. My privacy and consumer rights have been violated by a company that I have not agreed to conduct business with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
HELLO, THE AUTO LOAN ACCOUNT WITH XXXX  SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER XXXX IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NE

Complaint narrative:
Note to Experian : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED WITH THIS COMPLAINT Accounts showing erroneous reporting patterns and unverified within FCRA guidelines. 

XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX. On XX/XX/2021, Experian Information Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA noncompliant account history to this CFPB complaint 2. On XX/XX/2021, I sent Experian Information Solutions a copy of such noncompliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Experian Information Solutions to provide me with clear proof that they have conducted a thorough investigation into the validity of these three accounts. Such documentation was received by Experian Information Solutions on XX/XX/2021. 
3. Experian Information Solutions responded to my dispute on XX/XX/2021 and by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts. 
4. I have attached proof of these reporting errors along with USPS receivable documentation. 

Experian Information Solutions has blatantly disregarded FCRA law multiple times by continuing to report these damaging and erroneous payment activity ; such that is ruining my credibility and ability to attain financial products. Please urge them to follow the law and delete these items from my credit profile.

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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
These items were unauthorized and resulted in my social security number being used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ON XX/XX/XXXX, I MADE AN INTERNATIONAL WIRE TRANSFER THROUGH MY BANK PORTAL. 
ON XX/XX/XXXX, I RECEIVED AN EMAIL SAYING THE TRANSFER WAS COMPLETED, BUT WHEN I CONTACT THE RECIPIENT, HE CHECKED HIS ACCOUNT AND DID NOT SEE THE FUNDS, I CONTACTED THE CUSTOMER SERVICE LINE OF MY BANK AND THEY SAID THERE IS NOT WIRE TRANSFER DEPARTMENT CUSTOMER SERVICE ASSISTANCE AT THAT TIME AND THAT I HAVE TO DO EVERYTHING THROUGH THE PORTAL, WICH I DID, MY FIRST REQUEST WAS ON XX/XX/2021, AND I RECEIVED A REPLY THROUGH MY SECURE MESSAGES SAYING THE WIRE TRANSFER WAS COMPLETED AND PROVIDE ME WITH A REFERENCE NUMBER SO THE RECIPIENT COULD TRACK WITH HIS BANK, WHICH I DID, RECIPIENT HAD CALLED HIS BANK SEVERAL TIMES AND THE FUNDS ARE NOT IN HIS ACCOUNT AND IT DOESN'T EVEN LOOK IN PROCESS, I CALLED BACK TO MY BANK TO THE CUSTOMER SERVICE ON XX/XX/2021 AND THEY TOLD ME THE SAME THING, THAT THEY CAN NOT TRACK OR FIND THE EXACTLY INFORMATION OF WHERE IS THE MONEY, THAT I HAVE TO DO EVERYTHING THROUGH THE PORTAL, I HAVE MADE 3 MORE REQUESTS IN THE BANK PORTAL, EVEN ONE TO HAVE MY MONEY BACK, AND TODAY XX/XX/2021 STILL NOT HAVE AN ANSWER, NOBODY HAS CONTACT ME, I HAVE A LETTER FROM THE RECIPIENT ACCOUNT SAYING THEY HAVE NOT RECEIVED ANY WIRE TRANSFER FROM ME. IS VERY DISAPOINTED THAT A SUCH A BIG BANK LIKE THIS ONE IN UNITED STATES DOES NOT HAVE ENOUGH CUSTOMER SERVICE ASSISTANCE TO US THE CUSTOMERS.

Company response to consumer: Closed with monetary relief