vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NCB  MANAGEMENT SERVICE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NCB MANAGEMENT SERVICE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Byrider Franchising, LLC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
The company holds my payments after they receive it they take days/weeks to cash the check and apply it to my account. ( this happens every month ) The company charges fees with no explanation. 
The company claims that I have missed payments and that I am late however I have the documentation to prove that I have made all my payments. 
When I call the company and ask questions about payments and fees I do not get straight answer When I call the company, I am put on hold for long lengths of time and then I get transferred you to another agent. This has happened every time I have called. 
I do not have all the dates and times that I have corresponded with the company but it has been many times over the past few years after my loan was transferred to them. 
They post that my payments have been late since day one, Would like to know how they came up with that calculation. 
They send letters to my house stating I owe money and they can possibly foreclose.

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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The item is on my credit reports and it should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received an alert this morning saying that my credit was inquired. I signed in to the website to see that I had several requests on my report. I call in spoke with Rep she told me that its nothing that she could do that would come off in 2 years. I told her why do they say to call if they will not remove whats the purpose of having the app alert you if they can not help. 


the following inquiries I did not request. 
Transunion 1 ) XXXX  XXXX XX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX  XX/XX/XXXX 4 ) XXXX XXXX  XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX  XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Took so long to verify my identity with drivers license. Tried to delete account to make a new one, found out that it wasnt permanently deleted and that I would need to contact them to reopen it. Did so and havent received an adequate response for a while. I only received an automated email. This needs sorting as there is money sat in an account that I cant shift unless I get my account opened and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Clark County Collection Service
State: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IN

Complaint narrative:
My federal loans are consolidated and serviced by Fed Loan Servicing. I qualify for the PSLF program and have submitted documentation for regular tracking of my qualified payments. When determining the number of payments that qualify, Fed Loan Servicing 's system had an incorrect " amount due '', showing XXXX cent more than was actually due for 11 of my payments. Therefore they stated that those 11 payments did not qualify. 

I reached out to Fed Loan Servicing on XX/XX/XXXX and spoke with an agent named XXXX. Her agent number is XXXX. The agent told me that she could see my loans and that the amount that had come over from the previous servicer was not that amount that was entered ; it was off by that XXXX cent and that my payments should have been counted. 

I always had my payments made automatically, on time, and for the full amount. 

At this time I requested that these payments be reviewed. I called back after a couple of months and was told that the review was not yet completed. I called again a month later and a month after that, still with no progress and no available updates at all. When I called in XXXX, I found out that they had not submitted a review of all 11 payments, only 6 of them. At that point I requested that they start a review of the other 5 payments as well. 

I contacted them again around XX/XX/XXXX, 8 months after the initial review. They stated there was no update and the review was still pending. 

It has now been 10 months and the review is still " pending ''. Even though XXXX told me from day 1 that she could see the error in the servicer 's records, and that all 11 payments should have counted, they still have not completed the review. 

In addition to this, around XX/XX/XXXX I submitted updated paperwork for another year of completed services towards PSLF. They still have not updated my totals to reflect these 12 months ( I submit new documentation annually now ), over 10 weeks later. 

I will finish my 120 payments in 21 months. But without a successful completion of these reviews, plus a timely response of my updated PSLF activity, it will not be possible to complete my 120 payments and have my loans forgiven. 

All I ask is that my reviews be completed and my accounts updated correctly and in a timely manner. This would have taken XXXX 5 minutes to do, if she had access to update the account to begin with ; yet 10 months later and still nothing. 

Thank you for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I cancelled my plan because my monthly bill kept rising significantly ( example : first month {$80.00} next month {$160.00} ) every month so I switched companies. I was told there was no cancellation fee I did not owe anything. 
On XX/XX/XXXX, I became to receive calls from a Collection Company saying I owed money without notice. They would not give me a debt validation and so I called the original creditor to which they stated that I was accidentally charged a cancellation fee and that they would launch an investigation on why I was charged a final bill even though I paid off the account. 
A few weeks later on XX/XX/XXXX, I received a notification from XXXX that everything was accurate even though it was not. I called the creditor ( XXXX XXXX ) only to be told that they cancelled the investigation and there was nothing they could do. 
However, on the XXXX I received a letter in the mail about a security breach on XX/XX/2020 ( same time the case opened for the collection account ) to which it was stated that there was unauthorized access to files and there was a file that contained my name and social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Credit Corp Solutions is in violation of a plethora of consumer credit statutes ( FDCPA to be specific ). They have harrassed me with different mediums of communication for awhile now. Pursuant to 15 usc 1692c, I have informed them in writing that I will not pay anything towards this alleged debt and that I wish for them to cease all future communication unless they are distributing remedy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt collector represents an inactive debt and is duplicate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called XXXX XXXX XXXX, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.

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 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a United Mileage credit card while I was purchasing a ticket on united. 
The application was not approved on line. 
I realized that I had put a freeze on my credit report which was why the application did not go through. 
I lifted the freeze on the credit reporting and applied again and it was declined again. 
I kept receiving a succession of letters from Chase bank asking me to call them. 
I called them 4 times, each time having to wait for over half an hour to get to talk to them. 
Each time I had to lift my credit freeze so that they could access my credit information. 
Each time they told me that was all they needed. 
I explained the reason why I had reapplied for the card. 
They kept sending me similar letters. 
They assessed my credit report 3 times and as a result my credit score fell XXXX points. 
They had already decided to deny me the card because of multiple applications. 
There was no need to send repeated letters and repeatedly look at my credit report. 
I do not know if my last name of XXXX had anything to do with their decision. 
I consider their treatment not only harrassment but it also deprived me of getting a united card with the benefits it provided. I have had chase accounts before both as credit cards and car financing and my credit score was no reason for them to decline my card.

I am attaching copies of all the letters sent me as well as the effect on my credit score as a result. 
My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
The problem is with Equifax. I have been having no score with them since XXXX. They are currently reporting no date and late payments with my student loan accounts 4 different ones. I contact XXXX  they said they are reporting on time payments. Since i recently been having problems with Equifax i am sure they are the ones reporting late payments and NR for all on time payments. I am in the process of buying a home and the next step will be to sue Equifax. I been on hold 1hr 28 mins after speaking to controller XXXX and shes rude and i was still asking questions and she just transfer my and im just waiting for supervisor. Im sure they will answer after 2 hrs and then phone will just hang up like always. They are going to say they are sending i. Whatever XXXX is reporting but i spoke to 3 different people at XXXX and on the XXXX  and XXXX  i have on time payments. I am demanding Equifax to update all my ontime payments and remove no report and late payments for XXXX XXXX my ssn is XXXX XXXX XXXX. Equifax is terrible and they should be ordered to close down. Im sick and disgust with them since XXXX. 

FIX MY REPORT XXXX IS NOT REPORTING LATE PAYMEMTS ITS YALL TERRIBLE SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
We were notified two of our accounts ' customer due diligence information needed to be updated due to regulatory issues with our bank. The bank restricted our account and debit cards. We called the bank four times and sent in the required documentation ( which they already had ) to get the accounts unfrozen. In two instances, bank employees told us the freeze had been lifted only to find out from other employees that it had not been lifted. This freeze is impacting our daughter 's Special Needs Trust and we can not purchase her necessary food with the funds in her account.

To make matters worse, the bank has no way for me to submit a WRITTEN complaint. I need to call and leave a complaint but I have no idea if it has actually been lodged correctly. I want the ability to write a complaint, in my words, and submit to the bank so I have record of it. 

When this is resolved, I will be ending my long term relationship with the bank. Consumers should not be penalized for their bank 's regulatory shortcomings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CA

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called Caine & Wiener, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.

Company response to consumer: Closed with explanation