vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I was talking to XXXX XXXX from PNC Bank and he ended my application process for a refinance of my home because he said that my XXXX retirement was not permanent and that he couldn't use it for income because my pension has income limitations just like Social Security has income limitations. My pension comes from the Office of Personnel Management ( OPM ) and is as permanent as my XXXX. OPM is the federal government retirement system. I have been receiving this pension since XXXX when I retired with XXXX from the XXXX. I was a XXXX XXXX for 10 years and have been retired for 16 years. I just want to be able to participate in the economy and acquire loans and it's terrible that I would be denied a loan because of my XXXX when my income is more secure than most people working out there and you have my home as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I reviewed a copy of my credit report and I noticed that there are some inadequate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Credence has been calling me several times a day back to back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
illegal Re-Aging With respect to XXXX Visa Account # XXXX. This an account which came with an Account Protection Plus that helped me pay off the balance during the period of my involuntary unemployment/Disability and the account was closed as of XX/XX/XXXX and the balance was paid off by Account Protection Plus. I am also submitting a XX/XX/XXXX Benefit Activation letter they sent to me for a sister account I had with them, I received similar letter for this particular account as well I respectfully refer you to the XXXX credit report of XX/XX/XXXX, Report # XXXX ( Attached here as an Exhibit 1 ) XXXX verified and noted that with respect to XXXX XXXX  Account # XXXXthe Date of Status XX/XX/XXXX. XXXX further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request In violation of The Fair Credit Reporting Act ( FCRA ) this same XXXX Visa Account # XXXX with an XXXX  Date of Status XX/XX/XXXX. XXXX further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request With respect to this XXXX Visa Account # XXXX with an XXXX Date of Status XX/XX/XXXX. Capital One has unlawfully re-aged the account and now claimed that same XXXX Visa Account # XXXX belongs to Capitol One falsely fraudulently claimed that it was Charged off by Capital One effective XX/XX/XXXX, this is not only erroneous but illegal as you know. But has recently claimed it was charged off on XX/XX/XXXX with phony credit/payment that I had not made since XXXX when I left XXXX as the account was closed in XX/XX/XXXX as verified by XXXX. 
CAPITAL ONE BANK USA N {$1100.00} Closed 69 potentially negative months Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit : {$2500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Please see attached regarding Midland Credit Managment 's illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
AmeriHome Mortgage Co. 
PMI Department XXXX  XXXX XXXX XXXX, NJ XXXX Fax : ( XXXX ) XXXX, XXXX has fraudulently charged and deducted from my Bank Account {$62.00} each towards PMI  even after reaching Loan-to-Value 80 % in XXXX, XXXX and XX/XX/2021. Refusing to refund such fraudulent deductions made. Request your intervention to facilitate refund of such fraudulently deducted PMI. Attached is the thread of emails exchanged between their PMI Department, which are self-explanatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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:
On XX/XX/2021 I was notified that a purchase in the amount of {$53.00} was made at XXXX  and XXXX  on my debit card was blocked and requested authorization, which I declined, since I hadn't made any purchase. I than went to check the transactions on my account at the B of A website. There were three unauthorized transactions in the amount 0f XXXX, made at both XXXX  and XXXX  and XXXX. I contacted B of A fraud department and was assured that all transactions had been blocked and that I needn't do anything more. They would cancel my existing card, issue me a new card and remove the transactions I had not made. 
Now, XX/XX/2021, after receiving my new card I noticed that the transactions had never been removed and had been paid despite what I had been told. Further, B of A stated they would have to conduct an investigation that could and probably would take 90 days before they could determine if I am or am not legitimately liable for the charges. 
They also recommended I file a police report, which I have also done today.

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 2021-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Numerous times i have contacted Experian to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Show me proof of verification that these accounts belong to me. And Remove these incorrect accounts immediately.

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 2021-09-18 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: MO

Complaint narrative:
Equifax, XXXX, and XXXX and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XX/XX/2021, XX/XX/2021, XXXX, XXXX, XXXX 2021 these are the dates my letters went out and calls Equifax told XXXX that my compliant was old but they received it and Equifax, XXXX, XXXX have accounts back added as a reattach to my report once removed off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bought vehicle from used car lot was lemon meaning not a good vehicle should have not been selling it from the beginning because it was on XXXX from previous accident learn this after purchasing vehicle went back to speak with owner owner went to agree with me on reimbursement then went back on his word I brought it to my banking institute 's attention and they have an ongoing dispute leaving my account in a negative balance and life in a bind which I don't think is fair but life itself isn't fair but right is right wrong is wrong Bank of America prepaid card services disputes I used my California EDD Bank of America prepaid card to make purchase of vehicle now it's in disputes hands at Bank of America and they are taking their time leaving my account in a negative balance so any and all funds from my unemployment goes towards negative balance

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 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. EXETER FINANCE CORPORATION will be civilly liable under Title 15 U.S. Code 1692k if EXETER FINANCE CORPORATION failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies XXXX XXXX credit application Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
To whom it may concern, I did a credit application at XXXX dealership and Exeter finance Corp accepted my application & was advertising a down payment is a Violation of Title 15 U.S Code 1662. Violating this code is a Violation of the Truth In Lending Act.

15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

EXETER FINANCE CORPORATION Is also asking for a down payment which would be a violation of Title 15 U.S. Code 1605 Violating this code is a Violation of the Truth In Lending Act 15 U.S. Code 1605 - Determination of finance charge Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
On different email accounts Google pay has charged the account for services that I inquired about but did not necessarily want so I'm asking that you please look into that because I don't think that it's right I don't think that it's fair I don't think that it should go that way I've consulted with them they had agreed on reimbursements not necessarily went through so I'm bringing it to your attention. 
Here are my email addresses that have been victim to wrongful charging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX Arizona XXXX current mailing address. 
My current email address XXXX Look forward to hearing from you regarding this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
on XXXX XXXX, i sent CAINE WEINER a letter about validation of the alleged debt of XXXX that i don't owe.It was sent usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was delivered on Delivered : Tue, XX/XX/XXXX, XXXX XXXXCAINE WEINER sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$490.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, CAINE WEINER has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
XXXX XXXX XXXX Credit Card by Banco Popular de Puerto Rico. 

Annual credit card renewal date of XX/XX/2021. 
{$140.00} annual fee charged without prior notification on XX/XX/2021 Noticed annual fee on statement on XX/XX/2021. 
Closed credit on XX/XX/2021 with refusal to refund annual fee even though the card has not been used for over a year due to COVID and lack of travel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 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

Complaint narrative:
I opened a PayPal account with the understanding that I could send and receive payments from my online business to my bank account with PayPal and I thought the their service was reliable. The first 12 orders that came in through my business on XXXX to my PayPal account was held and they said I needed to provide my ID and shipping information for those transactions which I did. The next day after providing those information my account was permanent banned by PayPal and I was told that my money will be held for 180 days after which I will be able to have access to it. I was very confused and tried to contact PayPal support line to atleast explain to me what was going on or talk to me but I couldn't and still hav n't been able to reach them over the phone. Their customer Service told me off ( I will link a screenshot of the conversation ) and their support line has been unaccessible. My entire business depends on those funds and I am currently unable to pay my staff because this.

Company response to consumer: Closed with explanation