vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA

Complaint narrative:
This is in regard to late payment notices sent to all three CBRA 's by FIFSG. Please remove those notices. FIFSG claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA EDD which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account Manager stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.

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 2021-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
All 3 are federal loans {$2.00}, XXXX {$3.00}, XXXX {$7.00}, XXXX This is from XXXX XXXX XXXX, this school maked out my loans themselves ( fraudulent ) and they have been notified about this several times and will not work with me even over the pandemic. 
XXXX has had several issues with money, loans etc to the point some schools got shut down. The admissions representatives were being asked to hide documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Hello, I entered into an agreement with Midland Credit to repay I debt. The agreement was to settle the account for a percentage of the total balance. I paid the agreed upon balance in full. I even setup for automatic payments so they could take money from my account monthly. 

After the agreed upon amount was paid in full the company then requested that I pay balance of the original sum. When I called and told them a mistake was made because I paid the agreed upon balance in full they stated that I defaulted the agreement by missing a payment so that it terminated agreement and now the entire balance was due. Few things wrong here.

1. They stated I defaulted which terminated the agreement but they continued to take schedule payments from my account monthly as if the agreement was still in place.

2. They do not provide a definition of default when I asked them to define it they stated that missing 1 payment was defaulting. This was not made know when making the agreement.

3. I setup for automatic payments to be taken directly from my account. I always have money in my account and for some strange reason there isn't money in my account, I have over draft so my bank would still make payment. My bank statement does not show any attempt by this company to take the scheduled payment.

4. This company have made threats via US mail to take legal action if I do not pay the debt. And have made false reports to debt credit companies.

5.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
a company called credence resource managment bought a debt that was removed from my credit report now there harrasing me for a bill that was removed. this keep happeinig to me every time its removed how can i prevent this? its a a XXXX XXXX XXXX bill and dates are wrong of service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo Credit Bureau Dispute Resolution sent a letter dated XX/XX/XXXX for accounts ending in XXXX and XXXX, Dispute ID number is XXXX and XXXX stating Wells Fargo found the information is accurate after I disputed in XX/XX/XXXX. On XXXX XXXX, I re-disputed both accounts stating dispute reasons were expiraration of the Mississippi Statue of Limitations for 3 years and both accounts are reporting current monthly late payments and were in charge-off status. On XX/XX/XXXX, Wells Fargo sent a letter to my address of XXXX XXXX XXXX, XXXX, MS XXXX stating account ending in XXXX is closed due to the age of the debt and will no longer attempt to collect from me. The account XXXX date of last payment is XX/XX/XXXX. However, the account ending in XXXX, date of last payment is XX/XX/XXXX and has not been closed due to the age of the debt as well. Both accounts continue to show erroneously errors, and false information on my credit profile which is severly harming my family from seeking adequate housing during the Pandemic. However, both accounts ending in XXXX and XXXX that have been previously disputed by me continue to show inaccurate account status in derogatory status by all 3 credit bureaus, both accounts were re-aged by Wells Fargo, and current monthly late on a collection-off dated back from XXXX XXXX for both disputed account which violates the FDCPA and the FCRA. XXXX  had previously removed both accounts off my credit report but re-inserted back on my credit without previous notification to me. XXXX  and XXXX  is showing the account ending in XXXX with a balance with current late monthly charges illegally. 
Both accounts ending in XXXX and XXXX have been disputed with XXXX, XXXX, and XXXX  from XXXX to XXXX over a period of 9 times in which all have been through certified mail.Wells Fargo continue to willingfully and knowingly put false, illegal re-age information on my credit profile after their alledgely investigations and should be held responsible.

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 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XX/XX/XXXX I called ca edd to inquire about my unemployment claim that I filed back in XX/XX/XXXX. I then found out, that my claim had infact been accepted and was actively being processed biweekly. I informed the ca edd, that I had not received my debit card yet and, that I was not responsible for any activity that had taken place on this account. I was then told to contact the bank in which the card was issued, to let them know, that I was not the one using the card and that they should freeze it and do an investigation. The bank then informed me that there had been a numerous amount of transactions dating back to XX/XX/XXXX and that there had been more than {$9000.00} withdrawn from the account. Infact, the total amount was said to be {$9300.00}. The only other information that I was given is, that this took place in the XXXX CA area. It wasn't until later, that I was told to go to my local police department to file a police report to accompany my claim. Between the dates of XX/XX/XXXX and XX/XX/XXXX I have no knowledge of any transactions. Please provide any video and or audio footage recovered after the investigation process. Attached is police report for validation.

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 2021-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
I have tried to get our mortgage provider to work with us in several ways. But they have refused us help at every turn. SPS ( Select Portfolio Servicing ) now is trying to take my house with no help. Can we get help with making them work with us so we can stay in the home we have lived in for 23 years before they bought our loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX, I've had a mortgage through XXXX XXXX/ XXXX. 

When I lost my job due to COVID, I entered a CARES act forbearance around XXXX of XXXX. 

At the end of XX/XX/XXXX, XXXX XXXX sold my loan to Carrington Mortgage. Starting XX/XX/XXXX was the new servicer of the loan. 

I am currently in a CARES act forbearance with Carrington Mortgage that expires XX/XX/XXXX. 

My problem : When my mortgage changed hands to Carrington Mortgage I was charged a late fee of {$65.00}. I was under the understanding that I can't be charged a late fee for missed payments when entered into a CARES act forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX XXXX I sent out a affidavit of truth on XX/XX/2021. 

according to the certified mail receipt XXXX it was received on XX/XX/2021 at XXXX XXXX  XXXX, PA XXXX FEDLOAN SERVICING in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving a dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Services, Inc.
State: OK

Complaint narrative:
I contacted national credit services regarding a very old defaulted student loan on XX/XX/2021, they told me they wont discuss over email, they asked to discuss over the phone, i wanted everything in writing ... so i then sent them an offer of settlement of {$620.00} on XX/XX/2021 via usps mail with tracking number. the company never responded. company seems to have reported a new mark on my credit report, the debt went into forbearance 20 years ago. any help to get the company to respond so i can get this cleared and done with would be appreciated. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: NY

Complaint narrative:
To whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.

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 2021-08-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
I filed a dispute on XX/XX/2021 for {$2900.00} for an order I placed for rare houseplants from XXXX. The box was r wet toy no evidence they put them inside from seller. They did not ask for any evidence or photos which I had available. I was notified XX/XX/2021 that it was found to be valid with no notification by mail received or asking for evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
The Company Assestcare has reported to my credit report. I have taken all measures to have them remove this. This is FRAUDULENT. Not my account and upon research this company does this to other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28 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: NY

Complaint narrative:
To whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: NY

Complaint narrative:
To whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.

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 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XXXX my XXXX  month old daughter accidentally, while watching XXXX XXXX on the XXXX, sent someone {$9200.00} via paypal. although paypal has two factor authentication on its app, it does not actually require any information in the form of face or finger recognition or a password to access the app. 
Paypal first claimed that the money was sent from my phone and was therefore a valid transfer regardless of the circumstances surrounding the transfer. they then suggested we file with them an " item not received claim '' which would resolve in our favor after the recipient of the money was unable to provide shipping information. although being told this claim would resolve automatically in our favor on two occasions, since that time paypal has refused to unfreeze this money and tried to draw this money from our checking account claiming alternately that there is a " Grey area '' surrounding our case because we have suggested it is both unauthorized transfer of funds and item not received, ( although paypal created the claim and changed the nature of the claim for us based on information we provided over the phone ) and that we need to provide paypal with proof of purchase of an item or a description of the item, even though they know we can not provide proof of purchase as paypal knows there was no purchase. further the recipient of the money has continually tried to return the money via paypal and paypal rejects the return of the money as hindering its investigation, rather than accepting the return of money as further proof that this money was not intended for this person. paypal, not even the unintended recipient of this money, is now in possession of almost {$9300.00} dollars which it inexplicably refuses to return to me under the guise of various investigations, all the while promising the return of the money if we would simply wait a few more days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 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: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
Approximately on XX/XX/2021 I applied for a Job with XXXX. I passed the drug test and was waiting for my background check. When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. When I called the credit reporting agency the first two reps refused to open a dispute and told me I can dispute it after my arraignment. I subsequently called again and was able to open a formal dispute. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a XXXX XXXX XXXX, and this industry wide practice is not only unfair but will put XXXX XXXX XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. 

In addition to XXXX, XXXX also ran a background check from XXXX XXXX again by XXXX and now my ability to do contracting work is also affected. I will open a formal dispute with XXXX as well but the description is the same. 

" When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a XXXX XXXX XXXX, and this industry wide practice is not only unfair but will put XXXX XXXX  XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. ''

Company response to consumer: Closed with explanation