vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In XXXX of XXXX i tried to settle a debt with portfolio recovery for less than the full amount and made arrangements with the collection company which held the debt. They aggreged to a set amount and then when I made the payment they did not treat it as a settled in full for a less amount, but instead tried to make me pay the remaining amount. So i then called and cancelled my payment as that was not the agreement I made with the company. 

After waiting to receive my payment back, i then tried calling back to settle this account during XXXX of XXXX. I offered to pay in full for a lesser amount! After talking with the representative and making my terms very clear that if they took my payment that the account would be paid in full. I then sent in my payment to the company and again they applied it as a payment to the amount and not a settlement agreement to pay this off for a lesser amount. 

I then tried to speak with a supervisor at the company who explained that they couldn't credit the account that way. That it would be a multi step process to accomplish wanted i want and it couldn't be credited as paid in full. So instead of doing it the way i requested it be done and the way that me and the representative agreed to it they just processed my payment the way that benefited them best and disregarded the agreement we had made on the phone for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-ACIMA CREDIT XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 6 accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX XXXX  - Account # XXXX XXXX {$2200.00} XXXX XXXX - Account # XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX XXXX {$3400.00} XXXX XXXX XXXX  - Account # XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX {$300.00} XXXX XXXXXXXX - Account # XXXX XXXX {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I was affected from COVID and missed a payment on my auto loan and the loan company was supposed to freeze my account intill I caught back up on the late payment. Recently I was trying to get an XXXX XXXX and got denied Bec the auto loan company reported 6 months missed payments when my account was supposed to be on freeze and the payments where paid. I tried getting a copy of the months they received payments from me and they will not give one.

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 2021-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I had an outstanding medical bill from XXXX XXXX of XXXX which was from an automobile accident I was in where I was not at fault. I had several bills from multiple medical providers and thought I had paid the above mentioned bill of {$1200.00}. I received a call from KCI ( Kansas Counselors Inc ) about a week after my settlement -- Week of XXXX XXXX stating they were attempting to collect this debt. I had not received any prior information about this so I asked the representative to send me a copy so I can verify the debt and see if I have already paid it. I told them if it was valid I would pay it. Before I could even get the statement I noticed that the company put this debt out on my credit report. I told them I would pay the debt so reporting this immediately has hurt my credit. I will be paying this but I would like this to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
This complaint is on PHH Mortgage, XXXX. XXXX  XXXX XXXX, OH XXXX, XXXX My husband and I bought our home with XXXX XXXX in XX/XX/XXXX of XXXX. 
The initial flood map was looked at by XXXX XXXX and deemed in the flood zone, after our loan officer and our realtor pushed back on the first determination, we were then granted a Standard Flood Hazard Determination Form ( SFHDF ) from the Department of Homeland Security Federal Emergency Management Agency that stated our home was not in a special flood hazard area. It was dated XX/XX/XXXX and was prepared by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 
We did not purchase flood insurance and we did not have to obtain flood insurance per the terms of our loan that we closed with XXXX XXXX 
Our mortgage was then sold to PHH Mortgage. In XXXX and XXXX we received letters from PHH that stated we needed to provide flood insurance, or that is was required on our property. If we did not provide proof of flood insurance, PHH would obtain coverage on our behalf and add it to the terms of our loan, without our consent or signatures. 
We emailed a copy of the SFHDF to PHH, we sent a copy of the SFHDF via USPS mail as well as uploaded a copy of the SFHDF to their website. None of these copies were acknowledged or replied to by PHH. Mind you, they also have this documentation with our mortgage documents when they purchased our loan from XXXX XXXX. 
At this point, we have exhausted talking to or emailing PHH Insurance Department and we are completely flabbergasted that while we were not required to have flood insurance on our home in order to purchase and sign the mortgage with out possessing flood insurance, and we have a SFHDF that has been officially determined that we are not in the flood zone, then loan was then sold to PHH for servicing and they took it upon themselves to rewrite the terms of our loan.

From our research they are in violation of the Mortgage Regulation H because they are not accepting the previous flood determination from our original loan closed by XXXX XXXX, and they are also breaking the servicing laws by illegally changing the terms of our original 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 2021-06-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2021 XXXX funds were deposited into my Bank of America debit card account. XX/XX/2021 I went to an ATM to check my balance and withdraw a partial amount of my funds. The correct available balance was indicated on the ATM balance inquiry screen, so I proceeded to withdraw a portion of the funds. The ATM malfunctioned, the screen indicated the transaction was cancelled and I didn't need to do anything further. So I proceeded to another ATM on the premise to withdraw the funds and the ATM indicated it was unable to process the request. I returned to the initial ATM to retrieve the verification information and contact information from the ATM to report the issue. Drove to a different location and the ATM balance indicated that the account was withdrawn the initial requested amount, which was never dispensed. I immediately contacted the number listed on the initial ATM to report the issue on XX/XX/2021, and received a claim number. I have made at least 10 or more contact attempts in person and via phone to Bank of America to resolve this matter and it is XX/XX/2021 and I have no resolve. This has cause financial harm and is well beyond the investigation period indicated in the Regulation E guidelines. I request to be made whole and this matter be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX ATM {$1000.00} Deposit of {$50.00} 's + XXXX XXXX ATM Malfunction error appeared on screen. Sent a receipt of {$300.00} Deposit. XXXX Sat at the ATM XXXX called ATM phone # explained at XXXX to XXXX XXXX XXXX XXXX XXXX and {$1000.00}. XXXX stated see the ATM with money inside. Claims dept will help you correctly error. XXXX XXXX XXXX dept took information stated ok to leave ATM machine since I called received claims number. 45 days to research. Called XXXX XXXX XXXX stated still researching. Transfer to claims dept XXXX XXXX Tennessee to be transferred to XXXX Arkansas XXXX researching til XX/XX/XXXX but bank will give a temp credit on XX/XX/XXXX. Went inside same branch on XXXX to Deposit money and to speak to the manager XXXX who refused to help me.. He don't have anything to do with outside ATMS call the customer service.Called XXXX XXXX XXXX XXXX- Florida same information that i received day before researching. XXXX XXXX Account alert bank balance {$40.00} more than I had of {$6.00}. Went to login account but was locked to call bank. Called XXXX XXXX said bank decided to close account only saw 2- XXXX XXXX  ( {$40.00} ) that i tried to Deposit on XXXX. Told her its on recorded phone call i Deposit XXXX + XXXX where did XXXX come from? She couldn't answer. Transferred me XXXX Tennessee said by law bank made a decision to close account. I stated so they stole my {$700.00} to close my account. Someone is doing fraud. Its wrong. I need that money. You notice I only had {$6.00} in my account because of missing the {$700.00}. NO ONE CARED. XXXX went to the same branch to collect my few dollars left to be told I had to wait for the money to be mailed. So again you holding my money. Was told to call XXXX to be told same thing closed account no reason. XXXX missed a call from XXXX XXXX claims to be Executive Escalated Dept please call XXXX. Called waited for more than 15minutes only to get transferred from XXXX Florida to XXXX with no information who claim to Transfer me to Escalated dept to get message " OFFICE IS NOW CLOSED PLEASE CALL DURING BUSINESS HOURS. Why close an account 4 days later and keep {$700.00} that dont belong to you. NOT SURE WHAT HAPPENED TO 45 DAY RESEARCH ... Account was not in overdraft status at that time. Good customer. Who made the decision to close the account in such a short notice of researching. What was the real reason the account was closed. Just seem XXXX. I am not the only complaint on this subject ... not sure what action others have taken but I am only wanting my {$700.00}. This has caused me to go into debt all bills delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I recently checked my credit report and noticed the initial loan amount being reported on my car loan was significantly less ( XXXX ) than the amount I actually have paid for my vehicle. I began to think that the car dealership or Chrysler Capitol might have overcharged me or committed some type of fraudulence in charging/reporting the price of the vehicle and what I have paid on the vehicle. Also, I recently discovered the XXXX XXXXXXXX XXXX sold to me had been used as a rental vehicle. I was never told this information, and I was lied to about the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I have made many calls to Pennymac Loan servicing that have gone ignored. I was in a COVID forbearance program and eventually had to file Chapter XXXX bankruptcy. I engaged Pennymac during this process to secure a loan modification to stop the forebearance and resume my monthly payment at the original amount. I was made aware that I would be able to enroll in a modification program as soon as it became available and that it should be available on XX/XX/XXXX. I advised Pennymac that I wanted to be enrolled in this program as soon as it was available as this was the only issue delaying my bankruptcy discharge. I called several times and was told the program was not yet ready. On XX/XX/XXXX after I called again I was made aware that the modification was available and that we did qualify but it would take up to XX/XX/XXXX to recieve the documents to sign off. I advised them that my discharge had been delayed 60 days already and was now set for XXXX and would it be expedited. We eventually were sent the documents on XX/XX/XXXX and they were signed and returned via XXXX on XX/XX/XXXX which Pennymac confirmed. Now a week later we are being told it can take up to 30 more days for them to process the signed modification and bring our account current. We were also told that we are not allowed to reaffirm the mortgage until this processing has happened which will force us to further delay our discharge. This lender has taken more than 5 months to process one modification causing a greater than 60 day delay on discharging my bankruptcy. This has left us unable to move forward and regain control of our finances and everytime we have called even with our attorneys we are given different information. My attorneys have made countless phone calls and been given different information everytime they speak with a representative. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: AK

Complaint narrative:
Last month I applied for a loan with a company " XXXX XXXX XXXX '' I have all the original loan promissory legal note and notarized identity verification also and other paperwork and digital documents as well. So now Key Bank my bank says I owe them nearly XXXX XXXX dollars? How is that even possibly when they are issuing me my credit of account from the federal reserve? I know what happens at XXXX I have read many bank manuals its kind of funny how many people have their hands in pockets that don`t belong to them, between both sides of the accounting also, through the complete 1099 series XXXX., acquisitions, and forms don`t forget the courts one shouldn`t have to function in the private there is plenty of people unaware and others that don`t care, but I do! I am a XXXX XXXX I can barely manage to pay a bill on the account I do not enjoy paper work I will not be taken advantage by anybody I am a introvert but if I won`t speak up for myself who will definitely not ... Anyway I called the FDIC they told me that they do not handle their account I thought every bank account is insured through the FDIC so do I need to talk to XXXX or their minor XXXX? My thoughts are going back to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: OK

Complaint narrative:
On XX/XX/2020, I called the customer service line of Freedom Debt Relief ( FDR ) to get the balance figure of my dedicated account to determine an additional payment amount to be submitted to clear, and totally pay off the negotiated amount I owed to XXXX XXXX. I also advised that I wanted no further negotiations performed by FDR. I believe, to the best of my recollection, that I specifically named one creditor to be removed from any further negotiations. On XX/XX/2020, I used my debit card to pay {$2600.00} to totally clear and cancel any further obligation to FDR. I more than once asked for confirmation that my account was totally paid and there would be no further obligation to FDR. I was assured by the individual on the phone that my account was totally paid off and my account would be closed. ( If indeed conversations are recorded, why aren't they listened to? ) After paying my account in full XXXX XX/XX/2020 XXXX, a {$340.00} incremental was withdrawn from my account on XX/XX/2020. I called FDR and pitched a fit, during the conversation, it was again determined that my account was paid in full and the money was returned on XX/XX/2020. 
The next thing I know, {$10.00} is being withdrawn from my account on a monthly. I called FDR again, this time I was told the institution ( XXXX XXXX XXXX XXXX  ) paying the XXXX XXXX account would have to remain open until the creditor agreed to accept payment in full, which according to FDR, could take up to 6 months. I called XXXX XXXX and was advised that a payment in full transaction could take place in a 24-hour business day. 
In XXXX, I contacted XXXX XXXX again and stopped all permissions to allow withdrawals by FDR. 
I continue to get weekly notices that I need to resume deposits to FDR and the have added two more monthly fees for {$12.00} and {$21.00}. This is total nonsense, as I paid my account off on XX/XX/2020. I have my " dashboard '' provided by FDR, which will verify dates and $ figures. 
I have called XXXX, FDR, and XXXX trying to get this resolved, to no avail. 
FDR address is :. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Customer service : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the permanent deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the permanent deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-06-29 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: GA

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 XXXX XXXX this company has had my money for almost 365 days now since please allow me to withdraw the rest of my money no reason it should be held any longer need money for bills.

Company response to consumer: Closed with explanation