vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
the following accounts was never authorized to report on my credit, please see below the list of accounts reporting on my report : 1. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 
2. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
Paypal has permanently limited my account without any reason and warning so I have funds in my PayPal account I want to restore my ccount my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX the contacted by XXXX XXXX for a job in advertising campaign. Received a Check on XX/XX/XXXX and it didn't cleat the bank closed my account.- XXXX Credit Check Deposit ( Mobile ) Reversal XXXX XXXX Credit Monthly Interest Paid XXXX. 
XXXX XXXXredit Check Deposit ( Mobile ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLP OR RESURGENT CAPITAL SERVICES have been trying to collect some debts that I do not recognize ; I have already disputed those debts, two that appear with a name that is not mine and one that does have my name. I have asked them for information, signed contracts that legitimize the debt and they have not been able to fulfill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TN

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I want to avoid this kind of issue from my credit report and so, I want it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
To whom it may concern, Im a co-signer on my sons private student loan for {$21000.00} signed on XX/XX/XXXX with Charter Bank One. When I was contacted sometime in XXXX by as far as we know XXXX XXXX XXXX. I never received and documents as a co-signer that the loan was approved. And how can someone in my condition at the time being on medical leave and applying for XXXX and no retirement fund and filing for XXXX even be approved to be a co-signer? My son did not make any payments at some point for some years and the loan went into default at this point and with interest the new balance was {$24000.00} due at this point. Many of loans by this entity have been dropped due to false documentation that we can prove. I let them know I was not working and filing for XXXX, I asked them to stop calling me, however, the calls just got worse. I was told how they would garnish my wages or put lien on my house for refuse to make a payment and the person started pressuring me with credit cards I had. I had medical issues that they took advantage of. They stated if I get off the phone I was refusing to pay and that I have credit cards that could be used and a monthly payment was agreed upon. Why are they not collecting from our son for this loan? Our son remarried and changed his last name to XXXX to avoid paying this debt. He has a job with the state as well. 
We tried to make an offer to settle and it was turned down. They harassed me for 3 hours over the phone until I agreed to monthly payments of {$150.00} and made payment on XX/XX/XXXX for {$3000.00} on my credit card they said that was not acceptable. My husband then got involved as a XXXX veteran and took {$6000.00} out of his 401K to bring the loan up to date. Then they cancelled the monthly payment agreement for {$150.00} and changed it to {$300.00} which our son could not afford. Now they are stating the last payment was in XXXX which is not true as the two payments above were made in XXXX. Then in XXXX they contacted me again to pay the balance and they were advised I was on XXXX and unemployed. Then XXXX XXXX XXXX  XXXX had me served with a summons and took me to court to put a judgement against me in XXXX. Now they want {$30000.00} to complete the loan. I never received notification that loan was even approved or payment agreements. Considering the multiple agencies trying to collect this loan I just feel Im being taken advantage of as I was only working part time and my husband did not co-sign either. 
These types of student loans are not covered under and government assistance either. All loans for college students should be included to be equal and fair to all students. 

Thanks for your time and consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I want the XXXX XXXX XXXX online collections XXXX account removed from my credit report. I have disputed this account that doesn't belong to me and they still continue to report without sending me and signed contract or proof that this debt is mine. I have never signed a contract with XXXX XXXX  or online collections. I am not responsible for this account and want it removed immediately from XXXX  and XXXX. XXXX  is the only bureau that properly investigated and did remove from my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
I am a victim of Identity theft. I XXXX XXXX. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit showing that this complaint was submitted by me in fact. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
SLS denoted ( on XX/XX/XXXX, attached ) XXXX XXXX ( acting unnamed and unidentified ) took adverse action ( on XX/XX/XXXX ) against me " at the consumer 's request '' ( attached - SLS_XXXX  ). I had never made this request. HOWEVER, XXXX XXXX, ( one week earlier - XX/XX/XXXX ) knew Mr. XXXX ( anonymously ) would be acting upon this impersonated request ( attached - XXXX ). AND SO, I asked for the information so we can identify who impersonated me and made this request that Mr. XXXX acted upon.

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 2021-06-02 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: VA

Complaint narrative:
I have fraudulent inquiries on my equifax report. I have asked several times for the inquiries to be removed and have submitted complain with ftc # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: VA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters of a formal complaint and notified them that they are in violation of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX -- .Account number XXXX of {$4100.00}. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/2021 I received a letter from Portfolio Recovery that stated it they were validating my debt due to a dispute letter that I sent to the CRAs. I sent them a letter XX/XX/2021 indicating that the letter ( copy of a bill ) did not satisfy the request and that more information was required per the Georgia Industrial Loan Act and the Fair Credit Reporting Act. Portfolio Recovery turned around and resent the same bill on XX/XX/2021. They have failed to validate that the debt is mine, provide a copy of all original paper work with my wet signature, provide a copy of the purchase agreement, provide, provide their legal standing to collect on the debt or their license to collect a debt in the State of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Nelnet, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I spoke to Shellpoint regarding my mortgage multiple times since last year. I struggled to pay due to COVID and being in the XXXX XXXX. I collected unemployment for some of last year just to afford food and utilities. 
Shellpoint mortgage offered a forbearance plan which I applied for. They first set it up for 3 months, then contacted me with an extension option ( which as I understand it ended at the end of XXXX ). Each time I spoke to a representative I inquired about applying for a deferral for these payments and each time they told me I have to wait until the end of the forbearance period of time to apply. 
I received a call from Shellpoint today and the representative told me I can not apply for the deferral because that was only valid for upto 2 months in forbearance. I requested that he bring on a supervisor or somehow request the recorded phone call conversations I had with multiple representative regarding this matter and he said he can not do that. 
This is extremely unfair and I am not sure why all of a sudden they are changing their stance. He indicated that I can not extend the forbearance any longer and that all of the payments are due now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I made an international wire on XX/XX/XXXX in the amount of {$8500.00} from a PNC Bank branch in XXXX, XXXX On XX/XX/XXXX, a charge for {$120.00} appeared on my account without explanation. Upon further inquiry, I was told that the charge was for the above stated wire. This fee was never disclosed to me during the transaction, nor is it listed on the actual wire confirmation form, signed by me. The agent at the bank indicated that all their bank fees are listed on regular bank statements. I find this dishonest and predatory behavior. 
It is wholly reasonable for me to expect that associated fees would be disclosed to me at the time of making the transaction, either verbally and/or in writing on the wire receipt, neither of which was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: PA

Complaint narrative:
Hello All, This complaint concerns the three Credit Bureaus as XXXX XXXX and Experian. 
All these years I keep all my balances very low. As low as possible. I pay off all of my credit card balances every month on time. Not even missed one! My credit utilization rate is 5 % or below that while, the standard recommendation is under 30 %. However, my credit score remains under 710 without any logical explanation to justify this result. I strongly believe that the three bureaus handle mistakenly this score, creating a deviated image from the normality which I would expect to be more than 740 for my case. It is of great significance to me that the three bureaus correct this abnormality and restore my real credit score because that affects my financial life. 
I thank you very much. 

Much appreciated, 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 2021-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: GA

Complaint narrative:
XXXX dollars XXXX it was about five years ago and its on my credit still to this day!! I can not do anything because of this!! I tried to settle during COVID-19 crisis and at that time I couldnt reach anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
The debt collection company sent me a statement charging me interest. I called the original creditor who said this was not appropriate and that they do not charge interest. I never agreed to be charged interest and there is no court judgment allowing such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
PHOENIX FINANCIAL SERVICES is in clear violation of the FDCPA Laws, 48 of them but I could have cited more. From there previous response to my original inquiry of validation, there is a clear admission of non proof, but harassment.

Pursuant to 15 U.S. Code 1692k - Civil liability, 15 U.S. Code 1692k ( a ) ( 1 ) and 15 U.S. Code 1692k ( 2 ) ( a ) I want remedy of {$48000.00} and immediate Deletion from all consumer reports. I will be sending on my affidavit of Truth along with an invoice for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
We were told by our loan officer, and by PMI disclosures we signed when we refinanced our mortgage with BSI financial, that we could remove the PMI when then loan to value ratio was 20 percent or higher. 

Since then, values in our neighborhood have risen rapidly, exceeding the 20 % loan-to value rate. On a number of occasions we have contacted BSI, trying to ascertain whether they would consider in their PMI calculation a new appraisal that indicated the currect home value. They said that if we paid for our own appraisal, mailed it in with a handwritten letter requesting that PMI be removed, it was very likely that the PMI would be removed. 

We did so, paying XXXX dollars to have our home appraised. The appraisal came in at XXXX, while our original loan was for XXXX. 

Today, I called again and asked to speak to speak to the person who made the decision to deny our request to remove the PMI. I was transferred to a XXXX XXXX, in the Loss and Mitigation department, who told me that my PMI could not be removed until two years had passed, and that, at that point, the loan-to-value ratio must be at 75 %. 

I told her in our loan disclosures ( PMI disclosure ) there was nothing about 75 %, and that I had been told from the beginning, and by customer service agents at BSI, that the ratio was 80 % .I even have a letter on their letterhead spelling this out numerically. 

I asked her if she could locate any of the initial disclosures I signed that specified two years or 75 %, and she asked to put me on hold and hung up on me ( perhaps unintentionally? ). This is the second time I have been placed on hold by BSI and hung up on this week! 

The bottom line is that I want this bank to be clear and consistent in its PMI policies, and I want them to be transparent from the start regarding the formula they use and how they determine the loan-to-value ratio. In addition, I want consumers to know which appraisal is used by BSI in making their decisions, and whether they are following the law and not simply arbitrarily making decisions.

Company response to consumer: Closed with explanation