vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/2020, at XXXX XXXX  EST, my XXXX year old son  missed a phone call on his cell. My son has had this phone number for about a year, and he received the phone number from the mobile carrier when we opened his phone account. The call that he received was from Portfolio Recovery Associates ( " PRA '' ), using their phone number of XXXX. My son showed me the missed call, and as his father I called PRA back. I identified myself by first name, explained the situation to the PRA agent, and let him know that we have had other creditors call as well over the past year, and we had had them remove the number from their systems without difficulty. I asked that my minor son receive no more calls from PRA. However, the agent refused to do this unless I provided my own personal information ( full name, address, etc. ) to him. I did not want to do this, and explained this to him, but he insisted that it was PRA policy that I provide my PII in order to get my son 's number removed from their system. We went back and forth like this for a few minutes, at which point I informed him that I would be filing a complaint with the CFPB unless he would commit to removing my son 's number from their system. The call did not end amicably as I terminated the call. 

I feel that this is an unfair or abusive practice. My XXXX year old son should not be receiving collection calls from a debt buyer regarding another person 's debts, nor should I be required to provide my own PII to PRA in order to get my son 's number removed from their system of record ( and run the risk of my own name somehow getting tied to that particular debtor 's account ). 

After I terminated that call, I noted that my son had missed a second call from PRA the day before. So I called that number back, this time XXXX, and spoke with another agent. I again explained the situation. Fortunately, she was willing to remove his phone number from their system without any difficulty and without my providing my own PII. 

In light of this second phone call and the ease with which I was able to remove the number, I now wonder whether the first agent I spoke with was simply untrained, or else if there truly is a policy issue in play at PRA. Either way, at the end of the day, I don't want them trying to collect money that someone else owes from my XXXX year old, and it should not be difficult to get them to stop doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One does not offer their credit card customers viable alternatives to contact them besides telephone. They are unable to assist with anything substantial on social media either and only offer " general '' customer service items via those platforms. It is very inconvenient for customers to have to call Capital One directly and go through their automated system to try and get a live person on the phone. Capital One should offer it's customers a chat option and secure email option to contact them after the customer is logged into their Capital One credit card account on their website. This is extremely frustrating they only offer 1 way of contact to answer questions or resolve any account items in this day and age. They have not had another viable contact method for credit cards for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment that resulted to this account getting a charged-off. This is paid already. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-01-26 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XX/XX/2020 : I filled out the form at XXXX XXXX XXXX  and selected Experian. 
Experian responded with " Sorry, we are experiencing technical difficulties. '' Unacceptable. If they are required to provide the service, failure to do so must have consequences.

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 2020-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Basically all the trouble started when I was changing insurance company. The company I chose to insured the house deny coverage, after the escrow account from the mortgage company pay them, so I found another insurance company. The insurance who denies coverage sent me a reimbursement check. I deposit the check on my account and sent a replacement check to the mortgage company with a note written on the check to be " deposit to escrow account ''. The mortgage company deposit the check on the wrong account, into the interest account, and demand us to pay a late payment for the escrow account. I contacted them several times to fix the issue, they agree even in letters that was their mistake, but told me that the only way to fix it was for me to pay the late fee and the money which they wrongly deposit into the interest account. So they miss-place funds and they want me to pay for their mistakes. Not only they treatenning with foreclosure, my credit report was damage, when they even told me that they did not do it. I got emails phone calls and letters of them admitting the error, but telling me, that the only way to fix it, is for me to pay the late payments and money they are claiming I own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
On XX/XX/XXXX and XXXX of XXXX my Citi Master Card was used to make four purchases totaling {$1800.00} in Illinois. I disputed these charges with Citi because I do not live in the United States, I have been living in XXXX since XXXX. I was contacted once by Citi during their investigation and asked if the card was in my possession, which is it was. I explained to them, again, that I live in XXXX and was here when the purchases were made and it was impossible that I made the purchases. In fact the purchases were very much outside my normal usage of the card ( I only used the card for a monthly payment to an XXXX  sports channel @ XXXX euro ). I received a letter from Citi stating " Your dispute has been closed '' the reason they gave was " The card 's EMV chip was used to make the disputed transactions at a chip enabled card reader. You verified that your card was in your possession at the time of the transactions, so we don't consider this fraudulent activity. '' I have contacted the company twice, sent them a copy of my passport, copies of documents proving my residency in XXXX, copies of billing statement of My XXXX XXXX card which shows me making purchases in XXXX around the dates of the disputed charges ... ..anything I could think of to prove I was five thousand miles away from Illinois when and where these purchases were made. They have told me the dispute is closed and can only advise me to contact the businesses directly where the purchases were made and maybe they could do something, which is ridiculous. In the same letter they made it clear that if I do not pay the minimum by the due date ( XX/XX/XXXX ) they will report me to three different consumer reporting agencies. I have always paid my Citi Mastercard on time and always the full balance. I also have an excellent credit score. Please, any help or advice you can give is most needed, especially as the due date to pay is fast approaching.

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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a mortgage with Wells Fargo, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.

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 2020-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One Bank 0n XX/XX/19 has an Inquiries on my credit files in which I did not apply for any new credit or ask for any increase in credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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:
XXXX  XXXX XXXX  0n XX/XX/19 has an Inquiries on my credit files in which I did not apply for any new credit or ask for any increase in credit.

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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  XXXX on XX/XX/19 showed up on Inquiries in which I did not apply for any new credit or request any credit increase. I did not authorize any credit request.

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 2020-01-26 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Hi, My name is XXXX XXXX. I had an checking account with XXXX XXXX XXXX from XXXX to XXXX, until I decided to close the account. A payment posted XXXX or XX/XX/XXXX resolved in a negative balance of {$130.00}. I paid this balance off when It happened, at the XXXX XXXX XXXX Branch in XXXX, ky. However, XXXX XXXX XXXX erroneously reported this balance to all 3 credit report agencies. Ive been dealing with this issue for 5 years now. Ive spoken to the banking branch where I paid the balance due and couple of customer service representatives and they give the runaround. I was told they would update the credit agencies but yet it still shows as a derogatory mark. Please help me, CFPB.

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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX insurance on XX/XX/2018 has an Inquiries in which I did not request insurance of any kind or ask to purchase or sign anything for insurance with 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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 XXXX XXXX reporting on my report. I don't consume a XXXX XXXX account, I have had XXXX XXXX through my company phone for 6 yrs now. it shows a balance of {$300.00}. This is my only Derogatory mark on credit report ever. This is reporting on all reporting agencies.Please remove, this isn't mine and is truly affecting my score. Thanks so much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.

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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.

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 2020-01-26 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: TX

Complaint narrative:
Since 2016, I have been the subject of harassment from Portfolio Recovery Associate located in XXXX Virginia for a debt I do not owe. 

I have made several requests to Portfolio Recovery in writing for full validation of this debt including name and addresses of the original creditor, statements and contracts from the original creditor and other documents that can prove I owe this debt, but they were unable to do so. Why? because they can not prove this debt exist. In the meantime, they continue to damage my credit by reporting this false debt, which is a violation of the Fair Credit Reporting Act. 

I ask that Portfolio Recovery either prove I owe this debt by forwarding proper validation or 1. Cease collection actions on this erroneous account 2. Delete false information from all three credit bureaus. I have enclosed documents to prove my case. 

I look forward to hearing from the bureau. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: SC

Complaint narrative:
On XX/XX/2019 I moved and closed my account with XXXX. I paid the account in full including their early termination fee. Then 4 months later I get a bill from XXXX ( which I don't have an account with ) saying that I owe an additional {$100.00}. I call the company and ask for documentation showing I owe an additional {$100.00} and they just said it was owed and I have to pay it, I refused to send it. Then since I refused to pay they send it to a collection agency. With a host of illegal scams out here today anyone should be cautious about just paying creditors who don't provide proof of an account with charges. I was already going to cancel the service because of the lack luster products and service as well as their terrible customer service. After this experience I will definitely go on a campaign to inform ALL consumers not to buy ANY of their products!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX on XX/XX/18 shows on Inquiries on my credit report in which I did not request any new credit or credit increases or ask for any thing from 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 2020-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Ability Recovery Services continuously keeps reporting derogatory collection accounts as new accounts to the credit bureaus. I have had these accounts disputed and deleted, but ARS continues to attach this debt to my credit report as if it is a new account. I have no idea what these accounts are. I have requested original documentation showing the dates and the representative is very rude and hangs up on me. These accounts do not belong to me and I want them deleted once and for all.

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 2020-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
I have had a checking account with M & T Bank since XX/XX/XXXX. In XX/XX/XXXX I declined " overdraft protection '' and requested that any debit that would cause my account to overdraft be declined. This was on file since XX/XX/XXXX. Despite this, I have received numerous overdraft fees since XX/XX/XXXX. The dates are listed below. For every overdraft, I have been charged XXXX, often triggering a second overdraft. The bank has refused to refund many of these. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not my information reporting on my transunion credit report.

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 2020-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
in XX/XX/XXXX, I. lost my son in a car crash, Loans he signed for were forgiven. the parent plus loans I signed for were not they said they were combined with another sons loan. Over a 12 year period I made several attempts to clear the notes. I continued to make payments. In XX/XX/XXXX< I contacted an ombudsman to plead my case. I was some what successful, in XX/XX/XXXX the total amount of his portion of my debt was credited. ( {$56000.00} ) What was not credited was the interest that accrued over the 12 years for the {$56000.00}. 
After doing my own anylasis, if the my debt due at the time with the payments I made would of been less than {$10000.00}. In stead it was set at over {$27000.00}. Te difference is very close to the cost of of interest for the {$56000.00}.

Company response to consumer: Closed with explanation