vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been a customer and loyal user of Simple bank for many years. Simple was a " neobank '' which provided a unique, progressive approach to budgeting and bank account management, and has helped many customers, myself included, get out of debt. It was bought by BBVA USA several years ago, and XXXX transitioned to provide the FDIC-insured accounts for customers of Simple. 

A merger between XXXX and BBVA USA was announced last year, and news of this was communicated to customers of Simple. 

On XX/XX/XXXX, Simple communicated to its customers that, as part of this merger, the service was being shut down and that account-holders would transition to traditional XXXX accounts. On XX/XX/XXXX of this year, access to the Simple app, along with the various features that have helped many customers get out of debt, will be shut down. Account holders will be given traditional accounts with higher fees and an app with less features. 

Although I'm sure that these actions are not illegal, it feels like they should be. A ( virtual ) board room of bank executives should not be able to make a unilateral decision that affects hundreds of thousands if not millions of people and forces them to seek out other solutions which are not as technologically mature or functionally equivalent. The problem is not that we're being shut out of bank accounts. The problem is that we're being shut out of the technology that has helped us manage those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Here is what I just faxed Amex. 

Hello, I will now complain to XXXX because I have every single fax I sent you for at least XXXX months, not only not allowing any recurring payment to XXXX, not authorizing recurring payments to anyone and you Kept on charging me like who cares avout the charges I authorize or not. 
XXXX XXXX For at least XXXX months Ive asked them to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-31 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: FL

Complaint narrative:
There are currently numerous items being reported on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

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 2021-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I ported my XXXX account to a different vendor on XX/XX/XXXX. I called my local store to let them know I ported and to obtain the remaining balance to the account. Since my pin was resetted on XX/XX/XXXX upon porting, I didn't bother to memorize or save pin. I didn't think I'd need it in all honesty. Well without the pin, it became a complete night mare of frustration. Countless, times I called, I asked to use my SS # to Identify me as that was not an option. I requested to speak to a manager various times, only to be placed on long paused holds, to advise me they are not available and they have the same access as them. At times I would be re-routed a number of 4x only to talk to the first person that initially took my call. I sent them a letter of validation since now I am receiving countless calls from the collection agency per day. They responded to my letter of validation with a bill and continue to violate the 30 day grace period. XXXX store agents, also stated they only handle sales, all billing related would have to be called in. Their customer service falls into deaf ears. 

Also I am not on a prepaid plan. I am going to provide helpful information to expedite and resolve this as quickly as possible. 

Client # XXXX ( with RPM ) Receivables Performance Management Current Creditor p1071 T-Mobile Balance Due : {$120.00}

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 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
I refinanced my mortgage in XXXX of XXXX. Plaza Home Mortgage became my new servicer. When I refinanced, I did so without including an escrow account. I established and funded an escrow account with XXXX XXXX Mortgage. They cashed my seed check of {$6600.00} on XX/XX/XXXX. 

My property taxes were due XX/XX/XXXX but the bill was sent to me in XXXX. Since XXXX I have been trying to get my property taxes paid from my escrow account unsuccessfully. My property taxes are now overdue by 1 month. 

I have called their support phone line many times since XXXX and spoken with numerous people who have assured me that the taxes will be paid, but they have not been paid. 

I have sent multiple emails to their customer service email address that have gone unanswered. 

Now, when I attempt to call their support phone number XXXX XXXX XXXX XXXX, I am being routed to a fax machine. 

This is entirely unacceptable. They have my escrow money, but are refusing to pay my taxes and now I can't even get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My complaint id is XXXX .... I talk to XXXX from executive offices at pnc bank. She still claiming i withdrew {$1400.00} dollars. I explain to her you can only withdraw {$700.00} dollars.. Than tried to say they put the wrong date. I want to sue. Someone is withdrawing my money and it simple not true. My email has changed. It is now XXXX. Do i file my police report now or wait. I will also file with the Attorney Generals office. 

XXXX XXXX XXXX XXXX, nj XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Midland Funding. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: Kriya Capital, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. The entry on my reports reflect that XXXX XXXX XXXX reported this entry in XXXX 2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by XXXX XXXX XXXX. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the multiple disputes. To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 5 months to respond to me, yet they have not. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. Why did they not provide a dunning letter to me prior to inserting this entry on my reports? Why are they continuing to report this negative entry on my report when they have clearly violated my consumer rights. 

Being this alleged account is considered a utility account, XXXX XXXX has not provided me with copies of any terms and conditions that XXXX have changed over the course of this account being established that would validate this alleged entry belonging to me. Even more specific is the reporting they are doing among the bureaus. The bureaus reflect different information for this same account. Again, further proves the inaccuracies and their negligence. It is obvious that XXXX XXXX XXXX has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting fraudulent accounts on my credit files with the credit bureaus that are causing harm to me. I did not open these fraudulent accounts. I have filed a police report with XXXX Police and filed a FTC report. Fraudulent accounts are as follows : Acct # XXXX and Acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is refusing to delete improper data from my consumer credit report anf file. I have sent XXXX certified letters with proof of improper imformation with the last letter being on XX/XX/2021. The information being furnished is incorrect and is impacting me financially. I never gave Experian permission to furnish any of my private consumer credit transactions and want the following accounts immediately deleted from my consumer credit report and my consumer credit file pursuant to XXXX XXXX XXXX XXXX Permissible purposes of consumer reports. ( a ) IN XXXX XXXX to subsection ( c ) and consumer reporting agency XXXX furnish report under the following circumstances and no other. 
( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

I never gave EXPERIAN any written consent to report anything on my consumer report, no consent is Identity Theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer. I am demanding a deletion of these accounts.

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The account never had any late payments. XXXX Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than XXXX days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the XXXX, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

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 2021-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The account never had any late payments. XXXX XXXX close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than XXXX  days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you XXXX  days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the XXXX, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within XXXX  days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: GA

Complaint narrative:
I have been contacted by this company XXXX XXXX XXXXXXXX. They keep calling me and have put a charge on my Credit report. I have never talked to these people before. They are saying I Own money for a XXXX XXXX  account. I have open XXXX XXXX accounts in great standing and they are hurting my credit. According to the fair Credit Reporting Act section XXXX you are required by federal law to verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
We pay XXXX for our mortgage thru an electronic transfer of funds from XXXX XXXX every month for the last XXXX  years. Our last XXXX payments to XXXX are not being credited to our account. XXXX XXXX  has been wonderful and sent them all the information they have asked for in order to correctly apply the funds. They have provided the account #, the confirmation #, the trace number, date of receipt, and amount of the payments. 

I have spoken to a representative from XXXX XXXX times per week for the last XXXX weeks. During this time, they have repeatedly have told me someone would contact me back once the information was researched. I have never received a call back. I have summited XXXX different forms to " payment research '' with the information requested and every time when I call to check on the process I'm told there is not enough information to continue. 

I have done a joint call with XXXX Bank and XXXX without any resolution. 

Every time I call XXXX I spend a minimum of XXXX on hold no matter the time of the day. This last call I spent over an hour and a half on hold with out resolution.

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 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My PayPal account was permanently limited for XXXX days with XXXX ID : XXXX. I was told I'll receive an email about withdrawing the funds in my account after the XXXX  days wait period. I waited XXXX  days and got no email or notification. 

I knew it's gone past XXXX days, so I tried to login to my account and withdraw my money but they won't let me add my bank account to initiate the withdrawal. I tried to contact them via their phone lines during business hours but I was kept on the line for XXXX hours XXXX : minutes XXXX seconds without getting to speak with a real person. The call was disconnected by them and wasn't returned. 

I have tried to contact them on XXXX and XXXX as well but no valid response regarding this issue. The email linked to my PayPal account was hacked yesterday, i tried to update this on their site but they wouldn't let me do that. 

All I want is the total money in the account XXXX {$110.00} XXXX withdrawn to my bank account. The paypal account emaill is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valley Collection Service, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX is reporting a fraudulent account to the XXXX credit bureaus causing harm to my credit files. I did not open the account they are reporting and collecting on. Acct # XXXX is not my account.

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