vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: IL

Complaint narrative:
On the month of XX/XX/2020 I CONTACTED PORTFOLIO RECOVERY ASSOCIATES. About a purchased debt from the original creditor XXXX XXXX, in the amount of {$1500.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at Portfolio Recovery Associates to removed the False inaccurate account from my consumer report I went as far as asking to speak with the Vice President of the company and they refuse to transfer my call I constantly asked them to removed the debt with no proof it belongs to me. I feel my rights have been violated as a consumer and have been taken advantage By XXXX XXXX  and Portfolio Recovery Associates. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I XXXX XXXX the federal protected consumer entered a consumer credit transaction with credit acceptance for a vehicle that had a gas leak I had the vehicle for only 30 days with a voluntary repossession. The car was like an XXXX or XXXX and the credit transaction was worth about {$10000.00} and no finance charge listed at all. They didn't give notification that the alleged debt and they were trying to collect. I used my social security card in this consumer credit transaction used for household and personal use. Credit acceptance has violated me as a consumer in the corporation and needs to held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collections Practices Act and amendments to the Truth in Lending Act or else I will pursue federal litigation if needing re enforcements on the facts of the federal law.

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 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The three major credit bureaus have been ignoring all my disputes and I have inaccurate items on my credit. I have been sending disputes along with my husband since XXXX of 2020. It has been almost a year and I have yet to receive any correspondence from any of them! I know that there is a delay but there is simply no way the bureaus have not received any letters from us. Under the law the credit bureaus have 30 to 45 days to respond to the disputes and I have yet to see anything be fixed! There are inaccurate items on my credit and it must be resolved.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
Our mortgage company Freedom Mortgage called us XX/XX/2020 about refinancing our loan. We started the process right away and signed paperwork on XX/XX/2020 to get started. We have provided all requested information timely ( including demands for items to be returned within 24 hours ) and the refinance still has not closed. No one at the Company will answer calls or return emails and they keep making excuses about why it's not done. Primarily that they are waiting for third party information, but can't confirm what. The interest rate lock that we signed is expired and they have not renewed. We have top notch credit and have always paid our monthly mortgage in full on time. The refinance should have been completed in 30 days.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I tried to close my mortgage early with Rushmore and they suddenly added over {$11000.00} in " recoverable corporate advances '' to my total!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XXXX I purchased options contracts for XXXX and XXXX to expire XX/XX/19. 

On XXXX I changed my phone number and on XXXX I contacted a Robinhood because I could not get into my account. The two factor authentication was set up with my old phone number and they only allow you to contact them to update the phone number. 

I sent them an email to their customer support at XXXX XXXX  and other emails until XXXX XXXX  that day. I received an automated email to send back a photo of my drivers license and other information and immediately complied and sent the information. 

It is now Friday and I am still unable to get into my account. I wanted to sell my options contracts this week and could not due to their lack of response. I have lost my funds because of this. 

I also can not access my 1099 because it is within my account for me to file my taxes. 

I am beyond stressed due to their lack of response please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONAL ASSET MORTGAGE, LLC
State: OH

Complaint narrative:
Within the past 5 years I have applied to National Asset Mortgage to have some kind of repayment plan or loan modification. Each time I supply all documents and never get a response. I have just continued getting late payment notices, late fees, etc. The most recent modification request was in XXXX of XXXX. I still have never received a letter of denial or approval. I have sufficient income to be able to get this out of foreclosure but they said they will not accept any payment until there is some type of agreement. The previous attempts in modification or avoiding foreclosure was a mess. They assigned me to the same representative XXXX XXXX in XXXX of XXXX got no response then applied in XXXX again they said the reason I didn't get a response was because he no longer worked for the company. When I applied again in XXXX found out he was still there, went through the process again and still got no response. Within the past year a lot has changed. I moved to Ohio but my ex husband is still in the house. The loan is just under my name and I do not want to have a foreclosure on my credit as I am a licensed XXXX XXXX. I have exhausted what seems to me everything I can do. They just keep having me send documents but again they just sit on them and provide no correspondence or communication on what if anything is needed and just push me right to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: RI

Complaint narrative:
XX/XX/2021 send second letter. For dispute And received accurate and dont made investigation you has been verify account XXXX XXXX XXXX XXXX investigate account response has been verify I need fixed account because send all proof this account is no verify dont send me proof your investigation damage too much my reputation and need your fixed incorrect information of 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 2021-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I've been working with XXXX XXXX, manager at Navy Federal mortgage department. I informed my loan officer from the start that I will not have an impound account on the loan. I was informed by XXXX XXXX ( loan officer ) that my loan will not have an impound account as I requested. I was informed by XXXX XXXX that my loan was approved yesterday. When I informed XXXX that I informed XXXX of the impound account she became combative and aggressive and lied to me stating to bad. Unless you have a higher credit score and put 20 % down payment, Navy Federal requires an impound account on VA loan. I informed XXXX that requesting 20 % down on VA loan in order to cancel out an impound account is illegal and against VA guidelines. I asked XXXX XXXX to provide me documentation of this on VA loans. She stated thats an internal document and I will not be able to review the document. I explained to XXXX XXXX, that the VA loan department nor Navy Federal requires this as you can see in my last VA loan with Navy Federal. XXXX XXXX responded threatening me that she will close out my loan. I stated that I do not give her permission. She responded too bad. This is extreme maltreatment of a Navy Federal employee to a Navy Federal Member and needs to be address immediately. XXXX war veterans do not deserve this. Navy Federal employees involved contacts : XXXX XXXX ( Manager loan origination ) XXXX XXXX email : XXXX XXXX XXXX ( loan officer ) XXXX XXXX email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: AZ

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I have a mortgage with XXXX services by Loancare. I had never missed any payments in all the previous mortgage history. However, last fall, I was having financial difficulties due to COVID issues. I applied for a forbearance and was granted one. At the time, the woman I spoke with stated that the forbearance would add a couple of months to the length of the loan and would result in a little extra interest, which was expected. She said there would be no late fees or application costs or anything else to apply for or receive the forbearance. I did not make my XXXX or XXXX payments in 2020. I was able to resume payments for XXXX and am still current as of now. 
In looking to refinance with the low rates, I pulled a Payoff statement which was {$320000.00}. I checked the Loancare site and my Principle balance is sitting at {$320000.00}. Looking at payment history without the unexplained additions, that should be correct. I called today to ask why there was an almost 6k difference and she pointed my to my payment history. On or about XXXX, there were charges added to my loan balance of XXXX and XXXX. She stated that that would represent the 2 missed payments. These two increases to my account increased my total loan amount. I asked why the loan amount increased and she stated that that was because those missed payments had been added to the loan. I do not believe that the 2 payments should be added as an amount. They should more properly as explained to me have not been deducted and my principle balance simply left alone to accrue interest during that time. I feel that this is double dipping and is wrong, but especially egregious considering the circumstances. The length of the loan increased to account for those, but the addition and increase of the loan amount itself is a concern and remains unexplained after a 45 minute phone call. She then said that it does not show up on the principle balance as it had been added as a secondary loan amount. I did not agree to this and feel that there is a fraud committed. Also, the 2 amounts added to my loan ( XXXX and XXXX ) total XXXX. My monthly payment is XXXX. The 2 missed payments totaled XXXX. So, even if they added the total amount of the 2 payments, then it is still still an additional XXXX that was charged that was not explained. I attempted to get an explanation and did not receive one, so i am reaching out to see if i can get some help explaining this.

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 2021-02-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I've recently reached out to XXXX, Equifax, and XXXX  in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
Transaction with MoneyGram on XX/XX/21. There were 3 unauthorized money amounts sent ( {$810.00}, {$810.00}, {$200.00} ) to XXXX. A country we never sent money to. We contacted MoneyGram on XX/XX/21 about how this happened, why the suspect transaction was not stopped and a refund. MoneyGram could not provide any information to assist or explanation how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: DC

Complaint narrative:
I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX XXXX XXXX XXXX AND XXXX XXXX PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS ALLEGED ( I DONT ACKNOWLEDGE ) DEBT HAS BEEN RE-AGED TO MAKE IT APPEAR YOUNGER WHICH IS ALOS ILLEGAL!! THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS XXXX XXXX PERSONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK

Complaint narrative:
Dear Sir/Madam of the CFPB, On or about XX/XX/2020, I entered into an investment SCAM with XXXX XXXX using my XXXX XXXX XXXX  account to transfer XXXX USD. They then took my funds and failed to repay the money to me upon request. 

It should be noted that the Company is a client of theirs by XXXX XXXX XXXX XXXX committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. 

Although I am not their client, you can not deny the fact as a respected financial institution in the United States ; they didn't protect me about the risk of this transaction. They as a legitimate Payment Service Provider hereinafter " XXXX '' as all PSPs ( i.e. East West Bank ) are by law required to check acquired Merchants through proper Know-Your-Customer ( KYC ) and Anti-Money-Laundering ( AML ) procedures! It is apparent that the merchant ( the Company ) has never been examined by their organization! 

There is no need for particularly intensive KYC/AML checks to identify illegal broker schemes and fraudulent operators. Alarm bells for PSPs must ring at the latest when investor warnings from regulatory watchdogs reach the market. Moreover, measures have to be taken to avoid punishment by regulators and courts. 

As a regulated and licensed financial institution in the United States, they have strict statutory and regulatory obligations to monitor transactions and report any suspicious activities to law enforcement authorities

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XX/XX/2020 I requested a free credited report from the three majors credit bureaus, I had no problem until I was filling out the credit report on TRANS Union web page, as soon as I finish and click for the report, dept. creditors started calling, the only wat they could have possible gotten my phone number is Trans Union shared my Personal Information, I believe this is a violation of my rights.

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 2021-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a fraud claim with Bank Of America after {$2600.00} was illegally withdrawn from my account using my PIN number on XX/XX/2020. Bank of America has since determined that those withdrawals were legitimate and have refused to divulge how they have reached that conclusion with me. Furthermore, they have closed my account disallowing me from receiving any benefits from the EDD since I have filed my claim. I have not been reimbursed and every time I contact them, I get a different response. This all violates their own card holder agreement. The principal reason this fraud is occurring to so many people is that Bank of America has issued EDD debit cards without security chips that encrypt sensitive information leaving them vulnerable to fraud via ATM skimmers. Bank of America is avoiding blame, refusing to see this through, and due to their own negligence have further compromised my situation by unjustly closing me account making subsequent payments from the EDD that I am rightfully and legally entitled to unavailable to me due to the banks decision to close my account and offer no recourse. I have filed a police report regarding this matter, the media has contacted me regarding this matter, and I am now reaching out for help to pressure Bank of America to act with integrity. Please help.

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 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I disputed this COLLECTION account with XXXX. They concluded? ( How? ) that the debt is mine.. I HAVE NEVER NOT PAYED MY OBLIGATORY INCURRED DEBTS! I have NO IDEA how this collection account from midland Collection came about? I DID NOT OPEN ANY ACCOUNT THAT I HAVE NOT PAID FOR! 
It is NOT mine! HELP ME! I do not owe this money! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I disputed collection account, as this was to be paid for by the Department of Veterans Affaies, for ongoing XXXX treatment and its residuals.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-12 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: CA

Complaint narrative:
There are over 70 credit inquiries on my credit file with XXXX, equifax and XXXX  and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.

Company response to consumer: Closed with explanation