vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
I opened Banco Popular XXXX credit card in XX/XX/XXXX and decided to cancel my card before I hit my annual fee in XX/XX/XXXX. I canceled it in XX/XX/XXXX through phone but I have been informed that there was no record of me canceling and has been charged annual fee/interest/late fee. I did call today XX/XX/XXXX to cancel and they did inform me that there is record of me calling in XX/XX/XXXXbut they don't know what that call was about. This is total fraud and they should share the record call and validate that I did cancel in XX/XX/XXXX. No company should run like this to get some extra fees on what I was known to be a " closed account '' I am sure Banco Popular customer service team sub-par so they probably won't even record/listen my calls or even read this CFPB complaints This fraudulant activity has lowered my credit score as I did not know that my account was open and they charged me annual fee/late fee/interest off of annual fee Please audit Banco Popular on how they are running their business and customer services

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Goldberg & Peretti, LLC
State: CA

Complaint narrative:
To Whom it May Concern : I paid XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/2014, for my XXXX XXXX account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to XXXX XXXX that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed XXXX XXXX about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by XXXX XXXX XXXX XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help! 
~XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me. 

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with XXXX XXXX today and this is a federal offense. The money I gave to your company on XX/XX/2014, was not paid to XXXX XXXX and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document on XX/XX/XXXX, my debt was paid to XXXX XXXX by your company, and this is false information. 

I need the owner or supervisor to contact me immediately. 

- XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am in the process of getting new mortgage, however I need to get a lien release from XXXX XXXX XXXX book page number : XXXX XXXX ACTING SOLELY AS NOMINEE FOR XXXX XXXX XXXX  Date : XX/XX/XXXX Date Recorded : XX/XX/XXXX Amount : {$370000.00} MATURITY DATE : XXXX/XXXX/XXXX which I paid off 15 years ago. I contacted Bank of America and they were not able to help me. My lock in expires XX/XX/XXXX. I need to get this resolved before that date. I have been chasing this lien release for 24 days now and no one can help me. I have a existing complaint regarding the same matter with XXXX XXXX XXXX Complaint # XXXX. I am not sure if both companies are the same. 
Please call me at XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX NY 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 non-monetary relief
Consumer complaint received 2018-03-28 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: PNC Bank N.A.
State: IN

Complaint narrative:
In late spring XX/XX/XXXX I got behind on my car payments with my PNC acct # XXXX because I had taken FMLA to take care of my terminally ill mother. PNC bank put my car up for repossession. I contacted PNC and spoke with someone named " XXXX '' ( phone number XXXX ) around theXX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX   monthly payment on the XX/XX/XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to PNC bank. 

Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that PNC bank was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted PNC to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me PNC is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call PNC again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing the experience I had with PORTFOLIO RECOVERY. OnXX/XX/XXXX, I contacted PORTFOLIO RECOVERY about a letter received ( not to my address ) stating I owed a debt of {$1600.00}. The representative advised that the debt was from XX/XX/XXXX ( eighteen years ago! ) and the Debt was purchased in XX/XX/XXXX ( fourteen years ago! ). She also advised that PORTFOLIO RECOVERY has the right to collect on a debt with no time limit as long is the debt is outstanding.

Although I understand that PORTFOLIO RECOVERY may attempt to collect a debt for an unlimited amount of time via phone, in writing etc. I know I have rights that need enforcement with regard to the FCRA. The FCRA states that there is a Statue of Limitation of 7 years.

Unfortunately, on XX/XX/XXXX PORTFOLIO RECOVERY put this debt as a charge off on my credit report for {$2600.00}. Based on the information provided by PORTFOLIO RECOVERY on XX/XX/XXXX it is clear that this debt has passed the reporting Statue of Limitations and should have not been placed on my credit report.

I have consulted with an attorney who is very interested in taking on my case, however, I am going to give PORTFOLIO RECOVERY an opportunity to correct their mistake before taking any legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: DE

Complaint narrative:
From XXXX i open account a XXXX XXXX card with XXXX, i never had any problems and always pay my bill by auto pay. i previously reported this problem and XXXX responded XX/XX/XXXX. The letter they sent proof they really are XXXX and do not know what they are doing to customers. 

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added XXXX XXXX to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies. 

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account on XX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX & I deli {$50.00} XX/XX/XXXX IL XXXX {$1200.00} XX/XX/XXXX store {$150.00} XX/XX/XXXX Il XXXX {$480.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX an auto {$3000.00} just to list a few of these fraudulent charges

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 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I try disputing the debt with the credit bureaus they're stating that the debt is mine when it is not my name is not XXXX XXXX it is XXXX XXXX XXXX. No idea who XXXX XXXX is I'm Requesting that the collection of this debt to be stopped and removed from credit bureaus as it is hurting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted disputes to Experian in regards to 40 accounts that were reporting improperly on my credit report. Me and my Husband had a BK onXX/XX/XXXX ( discharge date ) that which these items were included. On XX/XX/XXXX Experian claimed these were " investigated '' ( in less than 24 hours? ) and remained the same. I then again, disputed these items with the legal documents ( attached ) on XX/XX/XXXX ( I do not have the ability to upload the complete BK file, it is too large ) and again on XX/XX/XXXX Experian refused to properly update my report. Isn't this against the BK law? What can I do? Do I need to take Experian to court? I would greatly appreciate your 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 non-monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom it May Concern : I paid The Offices of XXXX XXXX XXXX   {$1100.00} on XX/XX/XXXX, for my US Bank account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to US Bank that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed US Bank about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by The Offices of XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help!

~XXXX XXXX XXXX   XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <c.XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me.

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with U.S. Bank today and this is a federal offense. The money I gave to your company on XX/XX/XXXX, was not paid to U.S. Bank and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document onXX/XX/XXXX, my debt was paid to U.S. Bank by your company, and this is false information.

I need the owner or supervisor to contact me immediately.

- XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TX

Complaint narrative:
There is not enough information that this debt is mine, I have already disputed 2 times and Portfolio Recovery Associates can not fully verify this debt with a signature which makes it invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: National Recoveries, Inc.
State: CA

Complaint narrative:
I am being harassed for student loans that are not mine. I had a student loan for {$2700.00}. They are trying to collect {$42000.00} from me saying they are mine. In fact these are my ex wife 's loans. The only proof they can provide is a promissary note with me as the borrower and my ex wife as the co borrower. DOE guidelines States that only a parent or gaurdian can cosign for federal student loans. Which proves that these loans that they are trying to collect are not mine. Being that the cosigner is my ex wife. I agree that i had a student loan and the promissary note is mine but for {$2700.00} only. I have requested the original contracts and promissary notes for those loans and they can only produce 1 promissary note.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time XXXX  reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was mislead and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. XXXX  assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.

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 2018-03-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: WA

Complaint narrative:
I placed a complaint a few months ago and that complaint went nowhere so I am here now sending in another complaint. I owe {$57000.00} to Great Lakes who took over the loan for XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX. I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I feel that XXXX XXXX took advantage of not only me but to Great Lakes as well. It does not seem fair in any way that I should have to pay my loans to Great Lakes knowing that XXXX XXXX continued to provide education to me knowing they were in financial stress. I can't be the only person complaining about XXXX XXXX so I just hope this leads somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: OH

Complaint narrative:
Hello, In XX/XX/XXXX I went to purchase a car. There I found out I had someone, a company trying to collect {$1100.00} for services I did not receive at the XXXX XXXX XXXX XXXX. 
- On my Trans Union credit report it said XXXX XXXX with the original creditor of XXXX XXXX XXXX XXXX ( XXXX ) is Billing me {$1100.00}. 
- I First filed a dispute with Trans Union on the beginning of XX/XX/XXXX. 
- I received a reply from Trans Union on XX/XX/XXXX with results VERIFIED AS ACCURATE AND UPDATED.?? 
- I then started doing some investigating. 
- I googled XXXX XXXX XXXX and called first number ( XXXX ) XXXX on webpage it was XXXX in XXXX XXXX, Fl. 
- I called the number ( XXXX ) XXXX on bottom of page for the President/CEO. It led me to a answering machine which I got another Number ( XXXX ) XXXX for ( Provider Services ). 
- I called this number and talked to XXXX who was very helpful. 
- XXXX researched my info SS # Birthday and name for the bill. She was able to identify the bill but she said the B-day did not match. 
- XXXX gave me the account number of bill ( XXXX ) and date of service XX/XX/XXXX, Place of Service ( XXXX XXXX XXXX XXXX ) and who the debt was sold to ( XXXX XXXX XXXX ) who is affiliated with XXXX XXXX. 
- I then contacted XXXX XXXX who is trying to collect from me. I told them I have lived and am serving in the XXXX XXXX XXXX in XXXX Ohio since XX/XX/XXXX and have been no where near the florida keys. 
- XXXX XXXX then offered to clear my debt for {$600.00}. I declined the offer. 
- I then Called Trans Union and filed another dispute with information I found out from XXXX at Provider Services. 
- I then called the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and talked to the billing departement. 
- A couple of different times talking with XXXX  I was transferred to the Physicians Billing Department named ( XXXX ) ( XXXX ) XXXX - Talking with a couple of different Reps at XXXX and them searching for the bill at question they found / concluded they have no record of the bill due to the only started billing for XXXX XX/XX/XXXX. The Month after the date of service. 
- Both reps and a Supervisor tried to find the company prior to them for me to contact with no luck. They could not find who billed prior to them for XXXX. XXXX has no name as well.

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 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I put my home for sale XX/XX/XXXX ... dropped the price multiple times with no buyers. In XXXX of XXXX we started the short sale process with Ditech, with a qualified buyer. Since then it has been an endless cycle of submit paperwork ( tax returns, paystubs, any revenue streams, hardship letter, etc. ), they hold it for so long ( about two weeks ) and then they want more recent info. I submit the updated info over and over, then they ask for something else but it is always the same results, like this is some sort of game. 

In XX/XX/XXXX, they claimed I asked for a modification ( not a short sale ), but that I was denied. I NEVER asked for that (? ), my taxes went from $ XXXX to $ XXXX in XXXX years and I knew that I couldn't afford to reside there anymore. They then admitted it had been a mistake in their system, so we began the paperwork merry go round again. 

My real estate agent suggested a lawyer may help speed the process, because by now several months had gone by again, so I hired one in XXXX. Same thing, they asked for a current P & L statement, and other information, which was already provided to them several times prior. So once again, I provided all info in a timely fashion. 

Summary : They ( Ditech ) have all the information regarding my P & Ls, from XX/XX/XXXX through XX/XX/XXXX, held it for two weeks, and now demand a quarterly statement of XX/XX/XXXX through XX/XX/XXXX. ( There is definitely a pattern here as you can see ) So another delay and change up tactic by Ditech, since they already have the pertinent information that they have requested. 

I have yet to be formally notified of the sheriff 's sale, I only know because my lawyer told me. Aren't they required to notify me by certified mail? According to my lawyer, they refuse to stop the sheriff 's sale while they consider the short sale, even though this has been held up by them since its inception in XX/XX/XXXX (? ) My Ditech account number is # XXXX. All correspondences on our end have been done via email by my realtor and or my attorney. I can take the time and get copies of those email chains if necessary.

Company response to consumer: Closed with explanation