vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have spent over the past year and a half disputing the account that Portfolio Recovery Associates has attached to my name as well as ignoring at least 12-15 of their calls weekly. I have disputed it on my credit reports over three times and they have not removed the account. They have never produced any paperwork that states anything other than my name and a credit card and my ex husbands old address. I am a XXXX XXXX XXXX and they took court action against me last year to try and collect on this assumed debt and waited to notify me until the week of the court date to send me paperwork. The day before court they decided to drop the case. I got a letter stating they were no longer going to peruse this matter due to lack of verification evidence on their end. Today in the mail I am receiving another piece of mail from their office. I would like resolution in this matter by them producing any verification for the account listed that they are trying to collect for, and to stop harassing me and threatening me with court and then backing out the day before. It is a scare tactic that is not appropriate. Especially when the lawyers pull out the day before for lack of evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have applied for numerous Loan Modifications with JP Morgan Chase Bank. They are unwilling to work with me to catch up on payments. I filed a Chapter XXXX. I tried to make my mortgage payments at the branch office and they would not take my payments. Chase also locked my online account for the mortgage so I could not make online payments. When I call to make a payment, it took well over a 1/2 hour to get a live person. I fell behind on my mortgage payments, they were awarded the to Lift the Automatic Stay. The Chapter XXXX  was not dismissed, Chase was only withdrawn from the Chapter XXXX. My Chapter XXXX payments were not reduced. JP Morgan Chase enforced the Foreclosure and there is now a Sherriff Sale Date set for XX/XX/2020. 
I have talked to JP Morgan Chase after applying for the Loan Modifications and was told I have too much equity in the home and that I make too much. The want {$25000.00} to reinstate the loan. 
I don't want to lose my home as I owe roughly {$70000.00} The home is assessed at XXXX. My credit score is XXXX so I can not obtain a refinance loan. I have been denied. 
I turn XXXX XXXX on XX/XX/2020, I have a 401K that I can withdraw funds from at that time and pay JP Morgan Chase at that time. They were unwilling to wait. I can not do it now as I already have 2 loans out with my 401K plan. I don't have enough funds available for a hardship withdrawal either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: IA

Complaint narrative:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I rented a vehicle from XXXX XXXX XXXX company in 2017 and returned the car and paid the fees agreed upon. Upon approval, I let the company know of a crack in the windshield that was caused by a stone hitting the windshield while driving on the highway. I explained that the State of Florida fixes cracked windshields free of charge " In the state of Florida, windshield cracks and chips are repaired free of charge. According to Florida statute 627.7288, if you have comprehensive coverage on your vehicle your insurance company will pick up the tab for any repair or replacement that you may need. The law states that your deductible will be waived. '' After discussing they took my insurance information in case of the claim being escalated and said if any needed further action was needed they would be in contact. I signed the paperwork and never heard back from them. I received a call from a " Debt Collection Agency '' from a New Jersey number stating that they were calling to claim the debts owed and when I explained that was handled they began to over speak me and not let me explain. I finally told them I would be in contact with XXXX to figure out the issue. The next morning around XXXX XXXX  I received another collections call form a Mississippi number from a gentlemen that would not let me say a work and asked what is it I think will happen? Just give him my debit or credit card number. When I asked for his company name he said XXXX XXXX and hung up. I attempted to call XXXX but states they are busy or not open. I am trying to find out exactly what was done on the companies part for the last two 3 years that they took my insurance information and never filed a claimed and expect me to pay for a service in FL that is free.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I want to give an information about imposter related to wire scam using your bank. I met a person who I fell in love. He said that, He went to XXXX for work.He said that His wallet was stolen by his workers including credit cards, driving licence and passport. So I believed him and I sent him XXXX USD on XX/XX/2020 to PNC bank account to XXXX XXXX XXXX. He asked me to send the money to the different account numbers he provided from money agent in XXXX. He told me his bank account was blocked and he couldn't use his accounts. Because he was in XXXX. He had to go to the bank personally to open his account. Because of his contract he could not leave XXXX before he paid the workers 's expenses. I tried to help him. But Later I checked his bank account web site that he sent to me was spam. Then I understood everything was fraud. He lied to me. I collected this money from my credit cards and getting loans. I did this transaction from my XXXX  XXXX XXXX account, I filled a complaint file for XXXX XXXX related PNC Bank about wire scam XX/XX/XXXX XXXX. I attached the message part related to PNC bank and the invoice. It was wired to XXXX XXXX XXXX account number XXXX XXXX, NJ. The money was quickly released from my account. they had a friend in the PNC branch to release the money from my account quickly. Please help me. This is a wire scam. They have a big organization for cyber crime. They are trying to steal the money from people. I want to stop them to hurt the other people. You need to stop them using PNC Bank. Please try to get back this money from them, and wire to my account. Thanks for your help. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, we requested information about the balance we owed to Shellpoint Mortgage in order to try and make payments toward the principal only. We received the attached reply on XX/XX/XXXX showing a principle due of {$170000.00} plus the deferred principle of {$160000.00}. It appears that the deferred principal reduction amount of {$110000.00} has been included as a result of several late payments we made due to an unexpected and unavoidable medical situation involving XXXX XXXX that resulted in loss of employment to him for a period of time and additional expenses that forced us to miss several payments. 

These were all made whole and our loan is now current and has been current. We were not aware of the penalty that would be imposed as a result of missed payments and we never received any notice prior to the first, second or third anniversary of XX/XX/XXXX. We were unable due to serious unforeseen circumstances to make several payments but we would have found family to assist if we were aware or made aware of the severe penalty. We are asking ( begging ) for forgiveness of the penalty and reinstatement of the original terms as we are now aware, regardless of our own personal circumstances we are and will continue to make all payments current as required pursuant to the original documents. 

As we wrote above, the only reason for our untimely payments were significant and unforeseen circumstances. Had we been aware of the penalty we wouldve found other alternatives and borrowed from family or friends to try to avoid this serious penalty. If this penalty remains in place, it will result in the loss of our family home and prevent us from any financial security. Were therefore requesting your sincere and best efforts to assist us in having our original terms reinstated. Seems predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My mother past away in XXXX of 2018. I have inherited the property. I have been living in the property for years. I have recently been struggling to make the monthly payments. I would like to assume the mortgage and possibly refinance the loan. PNC Mortgage refuses to speak with either myself or my sister regarding the mortgage. ( My sister had POA previous to my mother 's passing. ) The loan is currently in the name of my mother 's estate, but no estate was ever opened, no executor named. Still, the bank will not discuss the loan options with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: IA

Complaint narrative:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Credit Cards reported my XX/XX/XXXX payment as late. The payment was only paid late due to Citi 's failure to send my monthly statement. After the 3rd month not receiving a statement I called them again and asked to speak to upper management on or about XX/XX/XXXX and after a brief investigation they informed me that due to an error on their end, my statement was not being mailed to me. I do not feel that the XXXX payment should show as delinquent since the delinquency was due to them failing to send the statement. I've attached the correspondence to and from Citi. I have also disputed this with the 3 credit bureaus with no success.

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 2020-03-17 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: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
On or about XX/XX/2020 I decided to close a checking and savings account that I had with Simple Finance ( BBVA ) for  approximately 5 months. The service was disgustingly poor and their web banking interface incompetently designed. 

The instructions on their website said to send them a message indicating I desired to close my account and they would reply promptly and close the account. After three business days they failed to reply so I was forced to call them. After speaking with them, they told me it takes them almost a month to close an account even though there is a balance of {$0.00}. They further stated that this delay is due to BBVA requirements.

I want the accounts closed now. I do not want to maintain any account or connection with Simple Finance and / or BBVA any  longer. 

I doubt there is any residual interest due as I immediately drained the account as soon as interest posted for last month. If there is any interest due, they must send me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( National Credit Adjusters ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that National Credit Adjusters were no longer collecting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: TX

Complaint narrative:
On XX/XX/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( XXXX XXXX XXXX   ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that XXXX XXXX XXXX  were no longer collecting on 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 explanation
Consumer complaint received 2020-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation