vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has contacted me multiple times at work after I've asked for written validation of the debt they claim I owe. They have called on XXXX  from XXXX at XXXX XXXX, XX/XX/XXXX ( did not get the number ) XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX from XXXX, and multiple other occasions. I've asked repeatedly not to call at work and the calls seem to be getting more frequent instead of stopping. They have even left messages with coworkers on my days off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THE WORK NUMBER WILL NOT PUT A SECURITY FREEZE ON MY FILE, OR REMOVE EMPLOYERS OR EMPLOYEE ADDRESSES AND EMPLOYEE NAME. 
THE WORK NUMBER MUST HAVE A MIX FILE.I HAVE TRIED CALLING THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
On XX/XX/2020 I sent in check # XXXX in the amount of {$690.00}, and clearly wrote on the check " Apply to Regular XX/XX/2020, payment on account # XXXX '', a second check # XXXX in the amount of {$3.00} and clearly marked on the check " Apply to overdue payment for account : XXXX '' a Third check # XXXX in the amount of {$700.00} and clearly marked on the check " Apply to PRINCIPAL ONLY for account : XXXX ''. I have attached the checks hereto. On the history, attached hereto, I marked in blue, they applied 2 regular payment and a principal payment of {$11.00}. They did not apply them as I sent them/marked them clearly. I called they said they could NOT transfer me to the department taking care of the payment : they do not have a number. That is absurd to me. I need the Principal payment of {$700.00} applied to the principal and NOT as a regular payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HILLTOP HOLDINGS, INC
State: HI

Complaint narrative:
XXXX XXXX, my loan officer, said I needed to pay off my lease. I paid it off, but then she calls me on XX/XX/2020 saying I can not qualify for the loan because leases are not accepted by XXXX XXXX. 

I asked for the verbiage from XXXX XXXX, she did not give it. I asked to speak to her manager, she did not let me speak to her manager. 

She is guilty of at least incompetence, maybe outright fraud. 

I am out all the time I spent getting prepared to buy this property, including selling stock, paying for an inspection, driving and viewing the property, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There are two collection accounts on my credit report by XXXX XXXX XXXX who claim they are collecting a debt they bought from Synchrony. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Hello again, Just last week I spoke to one of your Customer Service Representatives, they had told me to write in regarding the aging of my account with you. In addition, the agent told me the reason the account is aging at this time, showing a charge off as of this date,  XXXX/XXXX/202, is because your " system '' shows that I have disputed the account, therefore it automatically reports it as currently being charged off. When in reality it was charged off almost seven years ago. This is not only damaging my credit or what little I have it is also false information.

Therefore, I am asking that you be so kind to remove the " dispute '' on my credit report with your company right away. Please report to all three credit reporting bureaus right away. Then, please on the  payment history do not report past the actual charge off date as per law or the FCRA. This should take the account to the proper status. Please see that these changes are done right away. 

Thank you in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On the date of XX/XX/2020 I sent out certified letter with return receipt to Equifax Information Services LLC at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to XXXX  on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) Dealerfund : is still on my credit report with Equifax deleted off the other two bureaus 2 ) XXXX XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. 

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XX/XX/2020 applied for covid relief with Ally Auto financial and was granted a 60 day period that would be applied to the end of my auto loan. Paid XXXX and XXXX payments but they are telling me there is a {$530.00} past due balance of interest for the deferral period which they will not move to end of loan like covid relief agreement stated. I am still unemployed at this time and they refuse to grant me any additional deferrals until I pay this past due interest balance. I did good to pay the car payments for two months since they refused to grant any future extensions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed a collection account and several inquires reported to my credit file that should not be reporting because i didn't authorize my credit to be pulled from these creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a bankruptcy on my credit report that should be off my credit report. It's been 7 years and it's still on there. I'm asking for it to be removed all of the other creditors has deleted it off my report. Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
See attached letter to Equifax. See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance can not be validated. See page 3, the balance shown is {$3000.00} while page 6 shows {$3700.00}. Which balance is due? No one knows. In addition, the lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from  XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. 
According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are two collection accounts on my credit report by XXXX XXXX XXXX who claim they are collecting a debt they bought from XXXX. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
There are two collection accounts on my credit report by Portfolio Recovery Associates who claim they are collecting a debt they bought from XXXX. I have not signed a contract or created debt with either company. I have disputed the accounts several times with the companies and with the 3 credit bureaus. The credit bureaus and the company keep sending me what looks like a last statement that barely has anything on it nor does it prove my ownership of the debt. I have continuously requested a a signed contract or agreement between the parties and I and have not received it because it does not exist because I did not create a debt with either of those companies. I have asked the credit bureaus to remove the invalid debt several times but they have refused to. They have also send me investigations far past the 30 days that are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
On XX/XX/XXXX, Southwest Credit Systems called a total of 8 times on both personal cell phone and house phone. The person who they are looking for is in the hospital and is not available to speak but rep continued to hang up instead of hearing situation On XX/XX/XXXX, same issue kept occur when answered. Rep will not speak with person who is handing this issue in honor of the person who they claim owed the debt, very aggressive and rude and hanging up on us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed a collection account and several inquires reported to my credit file that should not be reporting because i didn't authorize my credit to be pulled from these creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed a collection account and several inquires reported to my credit file that should not be reporting because i didn't authorize my credit to be pulled from these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
I had received my normal month-end statement that said our new balance to pay on XX/XX/2020. No where in the statement did it mention a specific process for paying off our balance or that our funds wouldn't be applied like normal during our automatic payment on XX/XX/2020. On Saturday, XX/XX/2020, I received an automated message saying that I needed to call PennyMac during regular office hours regarding my account. I called on Tuesday, XX/XX/XXXX because of the holiday on XXXX XXXX. When I called, I told the lady on the phone that I had received a phone call on Saturday that I needed to call them for some unknown reason and explained that my bank account had never showed that my payment was made. When the lady looked into it further, apparently the balance due was less than the amount owed and that I couldn't pay off my loan using the same method as the previous 3 years worth of payments. I needed to request a payoff demand statement for {$25.00} and pay using a wire check, or certified cashiers check within a week of requesting the payoff demand statement. Had I known this prior to my payment due date, I would have gladly done this, but there was no communication whatsoever throughout the life of our loan that shared this information. I checked on PennyMac 's website that I log into and it didn't say anything. So not only did I have to pay extra fees to pay off my loan, but I was charged interest on top of it because my payment was late. There's no way that a normal person would know this and they made it way more complicated than it needed to be. I was surprised that I never received a letter saying something to the effect of it looks like your close to paying off your loan, here 's your next steps. They chose to not disclose that information to make more money and for that I am really upset. If my previous month 's statement had said anything like that or to call them to ask for payoff next steps, I would have gladly done so, but that was not done and I assumed that everything was good to go because all of my previous payments had gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: NM

Complaint narrative:
Ok my complaint is for XXXX New Mexico EPPICard customer service agency. My card is not working currently under fraud suspension. I was never notified I had got the card XX/XX/XXXXstop working XX/XX/2020 so since XX/XX/2020 I been calling the customer service number XXXX and do they love to keep you on hold for 5 hour at a time!!! So for almost a month the customer service representative would tell me that they weren't the ones I needed to contact that I needed to call the states unimployment office so I would then the states unimployment office would do the same tell me there was nothing they could do and I can't begin to tell you how much time I've spent on hold since  XX/XX/2020 even now XX/XX/2020 still they have to activate my card eventually I was told to email XXXX 2 form of identification which I have done about 30 times I can't go to the state unimployment office due to COVID the unimployment office is closed to the public so I can't go in personally I don't get anywhere with these lausy customer representatives or the unimployment State office I'm so fed up with this nonsense someone needs to actually do there job and help me instead no I get the run around and sometimes get transferred to u existing lines so after waiting 3 hours i get supposedly to transfered but theres no hold music just hangs up I got a letter from the EPPICARD payment  processing service XXXX XXXX XXXX XXXX XXXX, TX XXXX so it's the fraud services department it's XX/XX/XXXX this letter bearly came XX/XX/XXXX this letter is dated XX/XX/2020 I well add a picture of this letter to documents any how stats that they attempted to contact me to verify recent activity on my current card which is suspended by the way that my card has been placed on temporary restriction and that all I had to do was contact the number list and verify it was me and that my cards restriction would be removed well nothing yet I called the Fraud services department XXXX XXXX and was told since the letter was so long ago that no longer applied that I had to email 2 forms of identification to the XXXX and I did at least 7 to 8 time already I'm so fed up and I don't know how much money I've spend calling these agency to get absolutely no where and a head ache im stressed out I'm tired of these agency I would to be reimbursed for all the charges for the calls to agency because they were not doing there job and I want my card unsuspend ASAP As Soon As Possible Please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: IL

Complaint narrative:
I have reached out to Experian & XXXX  over 6 times in regards to fraudulent accounts listed on my credit report. Every single time it comes back as verified. This is my 3rd time filing a complaint with the CFPB & nothing has helped! Experian and XXXX are verifying these accounts without any proof! I have even reached out to the creditors demanding that they show me proof that these accounts belong to me, & they have NOT provided me anything personally that deems the account belong to me. So how is Experian & XXXX  verifying it as accurate??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I came in to make a withdraw, after leaving noticed my account was negative. I immediately told the teller to return the money. I asked if there was going to be a fee, it needed to be reversed, she said to call customer service. I told her, i wouldnt as they are a joke and that i would back to the branch to fix the issue. She said yes. Next day, with the fee. I headed to the bank. She quickly dismissed what was mentioned yesterday began rolling her eyes and with a heavy sigh brushed me off when i asked to speak with a manager. ( XXXX XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: E MORTGAGE MANAGEMENT, LLC
State: CA

Complaint narrative:
We were charged loan amount points we never discussed or agreed upon totaling 2.546 % of the total loan, {$11000.00}

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