vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates placed a {$4000.00} collection on my XXXX credit report, which was purchased from XXXX XXXX. 

I have asked PRA representatives on numerous recorded calls to send me statements detailing the charges on this defaulted card, because I believe many of the charges were fraudulent, not authorized by me, and a result of identity theft. 

Both XXXX  and XXXX have deleted this fraudulent collection, but XXXX has not. I am demanding that PRA, LLC immediately delete this collection or face further legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/20 Citibank North America made two hard inquiries on my credit file. One is titled STAPLES/CBNA and the other is titled CITIBANK NA/THD. These were made due to identity theft. I did not apply for these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I have a Bank of America ( BoA ) Mortgage since XX/XX/2020. BoA upgraded their mortgage system in XX/XX/2020 and we have been having issues with our payments being recorded correctly ever since. 

My wife and I do split payments from our own checking accounts. It started with BoA not recording a payment sent from my BoA checking account to their mortgage account on XX/XX/XXXX. I called them to notify this and was told by their support staff that this because I paid earlier than the due date (??? ) ( Imagine being penalized for recording a payment earlier ). They eventually located the missing payment and said they would fix this in 15 days, but I never saw it being fixed. It has been downhill since then. 

Every month since then, even though we pay on time ( sometimes before ), we get an email saying our payments are past due. We have already asked them to reverse the emails and fix our payments, but there has been no resolution for 2 months. We have called them at least 7 times and have filed 3 service requests, and have been assured that this will be fixed in 10 days but it never does. Our monthly payment is {$3200.00}, but we do a combined payment of {$3800.00} so that we can cut down on our principal. None of the extra principal payments we make have been recorded correctly for the last 2 months. 

We have received 2 emails so far from BoA saying they will report us to credit agencies for missing our payments. Whenever we ask BoA to reverse these emails, they ask us to ignore them, but when asked for written communication from their end to indicate that we can disregard these emails, we have been asked to take their word for it. This seems particularly unfair, since we have no written proof that the issue is on their end and they are fixing it. 

Overall the communication has been poor and they have not shown any ability of solving our problems for 3 months now.

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 2020-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: GA

Complaint narrative:
My original loan officer referred me to PRMG due to the XXXX program being cancelled by a lot of companies during the Covid-19. I was pre approved and put a contract on a property on XX/XX/2020 everything was going fine with the new company Paramount Residential Mortgage Group up until the communication became EXTREMELY lax. Weeks would go by without any updates. My file was submitted to XXXX on XX/XX/2020 where it sat untouched until approved on XX/XX/2020, I paid for my appraisal on XX/XX/2020 and no-one picked up my file until or even looked at it until XX/XX/2020 for the appraisal to be done. By then Ive put up extra earnest money to extend the contract and there was still no since of urgency. Ive emailed and called my loan officer and loan processor on several occasions and do not hear back from either days at a time, I left messages with my loan originator boss 3 times before I could get a call back. Our conversation seemed to be going well and was told that he would reach out to the sellers team and inform them on what's going on since the processor nor originator could do. Well I don't believe that call was made because the seller sent over a termination of contract due to being under contract for 4 months and not producing a closing date and not communicating with them on my file. I completely understand the seller decision and highly furious as I've waited this long and losing my earnest money. Not to mention that my lease is up and I'm going to have to sign another lease which I did not want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX placed a {$4000.00} collection on my XXXX credit report, which was purchased from Capital One. 

I have asked XXXX representatives on numerous recorded calls to send me statements detailing the charges on this defaulted card, because I believe many of the charges were fraudulent, not authorized by me, and a result of identity theft. 

Both XXXX and XXXX have deleted this fraudulent collection, but XXXX has not. I am demanding that XXXX, XXXX immediately delete this collection or face further legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have a commercial loan with Wells Fargo. Loan # XXXX with a maturity of over {$900000.00} on XX/XX/2020. We were told by Wells Fargo that they would not refi and they would not extend the loan under any circumstances. We secured financing and began requesting a payoff on XX/XX/2020. It is XX/XX/XXXX and there is no response. We have a person named XXXX XXXX who admits knows nothing about the process. She referred us to her leader, XXXX. XXXX said she would escalate but now does not answer her calls. When we last spoke to them last Friday XX/XX/XXXX they did not know who the Title Company and Escrow officer was which leads us to believe there is no payoff in the works. We are now in jeopardy of losing our financing.

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 2020-10-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
ON XX/XX/2020, XXXX XXXX XXXXXXXXXXXX XXXX, JPMCB CARD SERVICES AND XXXX ADDEDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX, XXXX AND XXXX XXXX. UPON FURTHER INVESTIGATION, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTOR'S/CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT, OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANY PERSON CAN SEND A BILL AND SAY THAT IT BELONGS TO ME. ACCORDING TO THE FCRA, XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS AS A CONSUMER AND I AM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Genesis Lending
State: NY

Complaint narrative:
ON XX/XX/2020, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND GENESIS/XXXX  ADDEDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX  XXXX  AND XXXX XXXX. UPON FURTHER INVESTIGATION, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTOR'S/CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT, OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANY PERSON CAN SEND A BILL AND SAY THAT IT BELONGS TO ME. ACCORDING TO THE FCRA, XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS AS A CONSUMER AND I AM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my transunion , XXXX and fico.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my  personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WI

Complaint narrative:
I reviewed my statement for the month of XXXX. My rewards balance had dropped by XXXX points. I contacted the credit card company. They agreed there was a fraudulent break into my account and rewards were used. The email address used was a fraudulent address. I was reissued a new card and told the points would be restored to my account. Upon receiving the new card, activating the new card, the missing points were not on the account. Upon contacting the card company again and talking to a supervisor, I was told it would take up to 90 days to review the claim, the first information would not be available until XX/XX/XXXX and the supervisor informed me that he could not sent me written or email confirmation of the conversation we had about the problem. This is unacceptable business practice. Please advise.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my XXXX  , equifax and fico.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my XXXX , XXXX and fico.

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 2020-10-06 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: CA

Complaint narrative:
I had a XXXX refund and a XXXX payment to me in the account wallet I went to check today because my regular payment is due and its missing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I received an alert from XXXX  about an account being reported by CONSUMER ADJUSTMENT CO. Please be advised their validation { not verification } of an item reported to XXXX  by CONSUMER ADJUSTMENT CO is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to CONSUMER ADJUSTMENT CO, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against CONSUMER ADJUSTMENT CO should this item not be deleted within the required time allowed by law. CONSUMER ADJUSTMENT CO is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: AL

Complaint narrative:
I have tried for the last two years to dispute several accounts on my credit report that are fraudulent and the credit bureaus refused to remove the accounts. I have filed an identity theft report. My personal information was compromised 2 years ago in a data breach and I have been fighting this for all those two years to no avail. No one will listen and remove the fraudulent accounts. They are not mine. I did not personally open these accounts and my rights and private information are being violated by these credit bureaus who refuse to remove the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: MI

Complaint narrative:
I received a letter from Allied International Credit Corp ( US ) dated XX/XX/XXXX that stated my account had been referred to their office for collection by XXXX, the creditor. The total balance due states {$280.00}. 

I have not purchased anything on XXXX since I believe XXXX? And the total amount was probably only about {$30.00}. This charge is invalid. My XXXX account shows I have no orders or owe any money. 

I will be notifying Allied International Credit Corp that I dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
In XXXX I was approved for pua unemployment benefit the office mailed me a letter through the mail and it said the card would be here within ten days. I waited and waited no card came so I call to find out and here they sent my card to another address where it was stolen activated the card and spent {$14000.00} and so I called state cops and opened a investigation did all kinds of paperwork for the card center and they are refusing to pay back my disputed transactions I'm a single mother with no support and forced to stay home with my children we have nothing I wan na a lawsuit the kids want a lawsuit this is their fault and my children and I shouldn't have to suffer. I have no money no food my kids have no winter clothing. What do I do.

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