vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I was reviewing my information in XXXX XXXX as I now pay them to watch my identity as a result of the first time this exact thing happened to me. I received a notification through XXXX XXXX that Major Derogatory type hit on my credit. Come to find out it was from a debt owed to XXXX, the cell phone company in the amount of {$3000.00} and change. First off, I have never and will never use XXXX. I had long been a XXXX customer and now use XXXX. I was instantly concerned and called XXXX   XXXX as well as filed a claim with XXXX the company in charge of hurting my credit over this. XXXX is investigating and XXXX XXXXXXXX says the same. XXXX XXXXXXXX informed me, when I spoke to them over the phone last week, that since no payment was ever made on the account it was automatically closed and sent to collections. So the lady helping me really did not even have the access needed to see behind the scenes. She let me know a member of their fraud team will be in touch, which I have yet to hear anything. Now comes my major issue. This EXACT thing happened to me, with XXXX XXXXXXXX mind you, two years ago nearly to the date. I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX and go figure, for {$3000.00}. What a coincidence right!? I think not. If the account had been closed from lack of payment, then why would XXXX XXXXXXXX ever authorized an account to be opened after my information and the fraudulent activity that surrounded my " account '' be in their system? Why would they let this happen yet again?? Simply to boost their numbers and take advantage of me and most likely others. This is utterly ridiculous that I am the one having to deal with all this and XXXX   XXXX just gets to go on about their day. I would not be as upset if it was the one time, but twice now. What prevents a third and a fourth because clearly XXXX XXXXXXXX will allow anyone anywhere to open an account no matter the reason or who they even claim to be. I am also upset as XXXX XXXXXXXX, having had my issue in their system the first time, clearly can not put two and two together to even call or send me a letter questioning my desire to open the account in the first place.

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 2020-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX SSN :  XXXX Equifax XXXX XXXX Dispute Inquirys Dear Equifax XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXl Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX  XXXX Inquiry fromXX/XX/2020  XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry fromXX/XX/2020In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX # XXXX To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   # XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) XXXX # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2020-08-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX # XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) XXXX # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I received a letter XX/XX/2020 from CALVARY SPV 1, LLC XXXX XXXX XXXX. 
The letter stated that unless I contacted the office XXXX and XXXX XXXX. within 30 days of receiving notice that I dispute the validity of this debt or any portion thereof, this office will assume debt is valid. If i notify this office in writing within 30 days after receiving the notice that i dispute the validity of this debt or any portion of it, the office will obtain verification of debt or copy if a judgement and mail copy or verification. This tactic is a deceptive way for CALVARY SPV 1 to restart the debt collection clock. I notified them I disputed the debts validity and asked for proof. I received a letter dated XX/XX/2020 that XXXX and XXXX XXXX. had received and reviewed my letter and now advising you of denial of inaccuracy regarding my account. They included documents that do not establish how debt was assumed or specific to me. I disagree with the accuracy of the information associated with my name. The letter threatens I have been put on notice in big bold letter. CALVALRY takes advantage of unsophisticated person not knowing Consumer Standard. The documents do not support a factual bases for collection of debt. The documents provided are vague and misleading with inaccurate information. There is a failure to make a connection on how the debt can be valid and associated with me. I was not given any information about steps to take if information provided was incorrect. CALVALRY seeks to provide abusive collection tactics threatening YOU ARE PUT ON NOTICE. The claims made my CALVALRY are unfounded and documentation provided does not establish the dent in question to be mine. The letter does not establish a follow up of communication once documents are reviewed. This letter gives me a impression that a lawsuit is going to be issued or they be suing me. They are misleading clients and violate FDCP debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On Monday, XX/XX/2020 at approximately XXXX CST I made a call to Bank of America about the current APR on my cash rewards card ( 16.99 % ). The advertised APR range for the card is 13.99 % -23.99 %. During the call I explained that I was looking to receive a lower interest rate on the card as I have been a customer for a number of years with perfect payment history. 

The customer service representative indicated that the interest rate available was consistent with the national average, rather than based on my current customer and payment history. He indicated multiple times that the rate was 'fair and consistent '. I asked if that meant my current interest rate was fair and consistent with others who had the same card for a similar length of time with a perfect payment history. He indicated he was not a computer and could not confirm this. If this can not be confirmed why would this be communicated multiple times to the customer. 

What was most alarming during the conversation was that the customer service suggested having my account sent to a collections agency to help with my goal of paying off the debt. I was outraged. Why would a financial institution suggest a customer have their account sent to collections? A customer who has never missed a payment or never made a late payment. When I called the agent to the carpet for suggesting a practice that would negatively impact my FICO score and credit he shrugged the suggestion off as if it were no big deal that he would suggest this option as a viable means to paying off debt when I called to inquire about a lower interest rate. 

When you search the Bank of America Cash Rewards card 13.99 % APR is the lowest interest rate listed in advertisements, it is also the lowest APR listed on all credit card statements and card details for current customers. This rate should not be listed if it is not available for customers. I say this because when asked what a person has to do to qualify for this lowest rate, there were no there were no answers available, no tangible factors for receiving the 13.99 rate.

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 2020-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I have been trying to save my house for over a year now and I have had 2 foreclosure sale dates that I have had to stop them. There is a 3 third  time now and they still have a sale date scheduled in less than a week. I have a complete loan modification packet and my current loan modification packet has been complete for over 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase, could you please explain why you closed my checking and savings accounts?! It is crazy you close a customer 's account without a legitimate reason. I can not think of any reason because I've done nothing wrong. All I can guess are possible three things :. At the end of 2018, my balance on other banks ' credit cards is a little higher than normal ( about 30 % of the total credit lines ). This caused Chase to close all my Chase credit cards ( All my other banks ' cards were not closed at all ). Isn't it ridiculous? After I paid off the balance, I called Chase to reopen my accounts. Chase told me the reopen request must be filed within 30 days of account opening and since that day I called was the 32nd day, my accounts can not be reopened. I've never opened any Chase card because I heard other people say if Chase closed your account then you are on Chase 's blacklist and if you open a new account it will be closed. Several months later I closed my Chase checking account because I was disappointed with Chase.. Three months ago, I opened checking and savings accounts because there is a bonus offer of {$300.00} for checking and {$300.00} for saving. I opened my accounts online and deposited a check from my other bank of {$15000.00} in-branch to meet the {$300.00} offer requirement for the savings account. My credit score dropped a lot last month because I had a large balance. But now I've paid off it and my score has recovered to over 800. 

If is the reason this time you closed my checking and savings account, could you please tell me how many years you put me on your blacklist? Since I am receiving your credit card flyers from time to time. I do not want to waste a hard inquiry, applied, approved, and immediately closed again by you. If is the reason, is it because I deposited more than {$10000.00}? If you think deposit high amount is dangerous, why you make the bonus offer of depositing {$15000.00} and keeping it for 3 months?! If is the reason, please explain why credit card balance affects checking and savings account?! No matter,, or, none makes any sense to close my account. I've never encountered any other bank as crazy as Chase. Please give me the reason why you closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have file disputed letters on XX/XX/2020 to all three credit bureau and still have not received a reply from them.

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 2020-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I was in the mortgage forbearance program per the Cares Act affirming financial hardship due to COVID-19. The initial 180 days has come to and end and I requested an additional 180 day extension as outlined in the Cares Act. I sent this request via certified mail with return receipt. I received notification back that I am being denied the extension by my loan servicer ( Flagstar Bank ) who is requesting additional financial information in order to modify my existing loan. They also have begun charging me late fees. I would simply like to be granted the additional 180 days or mortgage forbearance relief as outlined in the Cares Act which states that no further additional documentation is required.

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 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Credence resource manage XXXX They have been contacting me repeatedly at work, on a work number that isn't in my name. 
I have asked them several times now to stop contacting me at work, to contact me via mail, to provide me with proof that this is my debt and that they own the right to collect this debt. 
They state that they are unable to send me anything in the mail unless I agree to a payment plan and that it is impossible for a fraudulent account to show up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates changed the AGE DATE of ( 2 ) debts appearing on my credit reports to XXXX and XXXX from original dates of XXXX and XXXX, respectively, knowing both were currently OUTSIDE THE STATUTE OF LIMITATIONS since appearing on my report in XXXX. The agency known as Portfolio RC at that time originally reported his dept to XXXX, XXXX  and XXXX. I have disputed these numerous times through XXXX  XXXX, each of the credit reporting agencies separately in writing and electronically, yet this agency has FAILED TO PROVIDE DOCUMENTATION about these debts, refuse to adjust the age date AND CONTINUE TO CHANGE THE DATE OF COLLECTION. They have recently changed the age date from XX/XX/XXXX to XX/XX/XXXX on one of these accounts that they refuse to have removed from my credit reports! I have not contacted them directly in any way prior to XXXX because when I do they reset the clock on the age date of the accounts. Additionally they have threatened me, used foul and abusive language and deceived me into believing they can garnish any of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: NY

Complaint narrative:
My student loan was transferred from XXXX to KHEAA XXXX of 2020. I entered in to a student loan rehabilitation program with them in XXXX of 2020 and my first payment of 10 to rehabilitate my loan began in XXXX of 2020 with a monthly payment of {$170.00}. I have paid every payment on time without fail and expect to meet the rehab requirement in XXXX of 2020. However, I received a harrassing notice from them insisting that I am in default and have to pay {$10000.00} immediately and that they will be pursuing all avenues for collection. First of all, I am rehabilitiating my loan successfully so far so this notice is unwarranted. Second, my rehab arrangement was made directly through KHEAA in XXXX. Also, the loan balance does not reflect any payments which is fraudulent on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX has submitted false information to all three credit bureaus under my name. I have contacted XXXX XXXX numerous times to discuss these accounts that were marked as late payments. Not one of 4 agents could locate any account in my name or by my social security number. There are 2 accounts in question on my report. Both accounts are from XXXX XXXX. XXXX reports an account # XXXX with 24 on time payments and 1 late payment. Credit limit {$18000.00} and with an opening date of XX/XX/09 of the account. 

Transunion also has a XXXX XXXX account on my credit report. This account # XXXX states 47 on time payments and 1 late payment. Also with a {$18000.00} credit line and also opened in XX/XX/09. 

Equifax also had a XXXX XXXX account on my credit report Acct # XXXX. This states 0 on time payments and 1 late payment. Also an {$18000.00} credit limit and also opened XX/XX/09. 

I have requested statements for these accounts because I have never has a XXXX XXXX account. XXXX XXXX has not yet been able to furnish any information to me because they have no information on these accounts In the system. 

Due to the lack of response to this matter, I have been unable to obtain a mortgage because of XXXX XXXX XXXX lack of response to my request for information and for falsely reporting inaccurate information on my credit report. I have attached screenshots from all three credit bureaus that appear on my credit report.

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 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, the merchant XXXX charged me XXXX for a gaming PC that's so corrupted to the point that games crash every time after opening and the resolution worsens all by itself to the worst possible resolution without me having anything to do with its utter defectiveness. I tried to return it but the merchant refused to pay for the return when they were the ones who sold me the scam product in the first place. Here is their official site : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief