vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: GA

Complaint narrative:
I have talked to this company several times about inquires and bankruptcy that were reported incorrectly. I have also told them about addresses that were not mine. I have spoken to the Bankruptcy office and they stated that they did not give Transunion or XXXX the information they have provided on my account. I have also spoken to the police department and they stated that they would not give me a report for any inquires. I have stated to them if I report something that is not mine, it is their job to find out why they are using my social number. Transunion states that they want me to get a police report but they will not give one for that.

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 2021-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I bought a new truck on XX/XX/2020 I told the dealer who I was getting my financing thru and I have several hard inquiries on my report I contacted capital one auto finance and I talked with XXXX and I explained they did not have permission to pull my credit they said the dealer had to remove the inquiry I told him the dealer did not put the inquiry on my credit and he hung up the phone on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: WI

Complaint narrative:
Until end of year 2020 I have always received a check made out to me and the City Treasurer for real estate taxes from my escrow account. I did not receive a check in XX/XX/2020. Upon contacting the mortgage company I was informed, on two occasions, that a check was sent directly to the city. That's very unusual. In fact, a rep from company said it was sent to the city because the city sent them an invoice ; no so. He obviously didn't know what he was talking about. 

The city treasurer 's office has no record of receiving a check. Consequently, I had to pay my 2020 property tax out of personal funds. 

The attached file containing the escrow statement is how Home Point Financial responded to my first call. The WORD doc is their answer to my second call. 

Lately, Home Point has been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates and their continued violation of The Fair Credit Reporting Act. I am attaching a letter they claim was sent to me several years ago. First, I have never lived at the address referenced in their letter, hitch I am attaching to this complaint. Clearly Portfolio Recovery Associates did not read my complaint to the CFPB nor did they read the attachments submitted with the complaint. Clearly I have filed a dispute regarding this alleged debt as the attached letter submitted on XX/XX/2021 states. Additionally, I am attaching a notice of a lawsuit filed against XXXX for engaging in the very same misconduct that Portfolio Recovery Associates is engaging in. Fir the record, my previous complaint specifically requested certain documents to be produced or provided to me under Section 609, 611 FCRA. The request was clearly stated in my previous complaint of record with the CFPB. Portfolio Recovery Associates can only supply a back dated letter purportedly sent to an address I have never lived at. So clearly Portfolio Recovery Associates has not complied with Section 609, 611 FCRA, a fact which they admit to in their response. Please clearly read the attachments to this complaint and comply with Section 609, 611 FCRA in addition I make formal demand for Portfolio Recovery Associates to comply with Section 609, 611 and 623 of The Fair Credit Reporting Act. If there are any questions regarding this please refer to The Fair Credit Reporting Act and the requirements of Portfolio Recovery Associates and the fact that despite being noticed under Section 609, 611 FCRA they have failed to comply. Please see the attached notice of The Federal Trade Commission Lawsuit Against XXXX and the requirements of a furnisher of credit reports under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
I received a letter from my county tax office on XX/XX/XXXX stating my property taxes have not been paid. I have an escrow account with my lender to pay for the taxes. I have tried to contact my lender, Gregory Funding, on 3 separate occasion ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to no avail. Wait times have ranged from 45 minutes to over 2 hours, which is time wasted because no one ever answers the phone. This exact situation also occurred last year. I have no idea how or why this company is still in business with such horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
In XXXX I got a notice from my job that they were moving out of state and that I would be laid off in 6 months. I informed my servicer that my income will be changing and submitted my severance letter to them. I applied for a loan modification and was denied. Their representative told me it was because I was not 60 day behind. I asked her if I had to be 60 days behind in order to be approved, I was told yes. I went 60 past due and applied again. I was granted a forbearance not a modification. Then Covid-19 happened. Right when I was hired at a new job in XXXX of XXXX I informed my servicer and made a payment. A week later I was laid off due to Covid-19. I made my servicer aware that I was now laid off due to Covid-19. Again, I was not offered any Covid-19 relief. I asked why and a representative says it's because I was past due in XX/XX/XXXX advised her that I was only behind due to their instruction on how I was going to qualify for a loan modification. I was told I had an unemployment forbearance once that forbearance had expired I was still unemployed due to Covid-19, again I was not given nor offered any type of Covid-19 relief. I was denied repeatedly for a modification and my credit is ruined because they are reporting a year 's worth of non-payments. I wrote them a letter informing them that if not the first forbearance but at least the second and third forbearance should have been under Covid-19. I had to pay XXXX XXXX XXXX for 3 months. I submitted to them the same information I submitted to my servicer. Still I have asked for some one in management to assist me with resolving this issue, I get no response or resolution from them. I believe the way my account was handled was deceptive and unfair collection practices. I was TOLD by my servicer to go 60 delinquent. I have asked them to pull the call they haven't I asked them to pull all my calls to see how I was treated and how my account was just completed disregarded even though I had an legitimate hardship according to their own literature that they sent me. So why was I repeatedly denied? I feel like they just wanted to foreclose on me. I received no assistance, direction or information on how best to keep my account in good standing while experiencing a hardship first due to my job leaving the state and second due to me losing a job because of Covid0-19. They should not be allowed to toy with people 's lively hoods. They threatened the wellbeing and livelihood of me and my special needs son by not taking our hardship seriously and by not trying to find a resolution. They either wanted all money upfront to reinstate the loan or it was going to be foreclosure. I have asked them to retract the months off my credit history and provide me the Covid-19 relief I'm entitled to. My account would have never gone past due if it wasn't for their direction telling me it's the only way they would approve a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
My minor child was a sent a letter from Aldous & Associates.

I called and asked to speak to a supervisor. Man named XXXX XXXX Assisted me. He became angry when I told him my son is a minor and this was a fraud. He hung up on me. I immediately called back spoke to XXXX XXXX, he forwarded me to XXXX XXXX. I explained that my son is a minor and that this gym they are referring to has been closed down since last year due to the pandemic. The gym also wouldnt allow a minor to sign up. 
I also requested a copy of the contract. I was hung up on again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: GA

Complaint narrative:
I have talked to this company several times about inquires and bankruptcy that were reported incorrectly. I have also told them about addresses that were not mine. I have spoken to the Bankruptcy office and they stated that they did not give XXXX  or Equifax the information they have provided on my account. I have also spoken to the police department and they stated that they would not give me a report for any inquires. I have stated to them if I report something that is not mine, it is their job to find out why they are using my social number. XXXX  states that they want me to get a police report but they will not give one for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
Hello, my name is XXXX XXXX. 

These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf. Here are the accounts listed below : XXXX XXXX  XXXX EquifaxXXXX-XXXX XXXX EquifaxXXXX XXXX EquifaxXXXX-XX/XX/2020EquifaxXXXX XXXX XXXX  XXXX  XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2016 : travelled and lost wallet. called Bank of America to put a hold on the card. card was stolen and used, in spite of the hold. Bank of America did not remove the fraudulent charges from the card and sent it to collections.

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 2021-01-26 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:
In XXXX of XXXX I filed a claim with Bank of America for unathorized charges ..I was issued a provisional credit of {$2900.00} I believe and On XX/XX/XXXX I received a letter stating that the bank had finished the investigation and the provisional credit was now permanent and the claim was closed ..State of California EDD in XXXX had disqualified me due to a unreadable State ID and froze or closed my account for possible fraud ..B of A then turned around and reversed the permanent credit debiting each unauthorized charge from my account as a State of California debit adjustment leaving my account with a neg balance totaling the claim amount and closed my account ..I appealed EDD and won my appeal and a judge XXXXissued my benefits to begin again ..EDD on XX/XX/XXXX issued XXXX dollars to my account as well as two other previous payments totaling {$630.00} brought my neg balance {$770.00} ..I have been asking for a reconsideration since XX/XX/XXXX, XXXX I was told that It was in the back office now being reviewed since 12 ) XXXX..Today though I spoke with another claims specialist and after 90 mins He is in process of filling out another reconsideration. .I asked why is it that a investigation was already completed and that I was issued a permanent credit that I am now going on 3 months and 4 request 2of them being supervisors and yet nothing still ..He is filing a complaint which is the second one for this matter and a new reconsideration ..My original claim number is XXXX and my bank card number was XXXX XXXX  was the Claim Rep whom filed a complaint for the amount of time it has taken for this reconsideration and Requested for a new reconsideration..He apologized for the inaction and for the time it has been without a resolution to this situation ..I actually just got off the phone with him XX/XX/XXXX. XXXX XXXX  ... He stated that the reason the permanent credit was reversed was due to the EDD having closed my account for possible fraud ... .I proved who I was and the bank even accepted payments to my card from EDD even though when I call it tells me that it has been closed ..Is n't a Permanent credit final? .. Provisional c edits can be reversed but how is it that they can take away a permanent credit that was given after a 60 day investigation and now have me waiting for them to investigate again all the while receiving my benefits and deducting it from the neg balance caused by the reversal of the permanent credit that had been issued.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 my bill for account CAPITAL ONE BANK USA Opened XXXX. XXXX, 2018 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX,, Contiued Issues,, Never Got Solved,, Never Received Settlement Payment That Was Issued XXXX Thru XXXX ( XXXX ) Based Upon New Information That I Received Thru,, The Wells Settlement Website,, My Claim Form Was Lost Or Misplaced From Their Data Processing System, So I Never Received Any Payments At All,, When Checked The Website,, It Stated That Is Was Already Included?? So What Happened??,, This So Unacceptable And Very Messy

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 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
To CFPB - Harassment Complaint - XX/XX/XXXX Since XX/XX/XXXX, for no previously communicated or otherwise known reason, I have received 23 harassing, debilitating, debt-collecting recorded telephone calls ( averaging one or more per week ) from Harris and Harris, Debt Collectors, XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. And since I have been debt free for several decades -- e.g., zero credit card interest ; by-the-book sale of my home of 25 years in XXXX, XXXX, with no lose ends -- the initial legal guidance requested suggested that I not answer the calls as they were likely a mistake. 
-- 23 calls - XXXX XXXX -- XXXX ; XXXX -- XXXX ; XXXX -- XXXX ; XXXX -- XXXX ; XXXX XXXX -- XXXX. 
Eventually, I did call Harris and Harris back several times, and received a short recorded message before the call was transferred and got : ( 1 ) disconnected ; ( 2 ) " No one is here to take your call. Goodbye! '' ( 3 ) silence. 
Again, I have received NO NOTICE of specific debt re : this matter before or during this nearly one half year marathon by Harris and Harris of poignantly painful calls, coming from a debt collecting company that continues to get an A+ rating from the XXXX XXXX XXXX of XXXX , IL despite as many as several dozen consumers mistakenly ( a tweaked algorithm? ) contacted annually. 
Yours sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, PA XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: VA

Complaint narrative:
I've been working to resolve this issue for more than a year. I received an alert that a collection was added to my credit file by Receiveables Management. The account in question was previously paid by the insurance company and reversed one full year later. The original creditor never notified me that the payment was reversed. Receivables Management improperly collected and reported to the credit bureau without providing adequate time for me to review and dispute the debt under FCRA. I have always had health insurance and there is no reason for a medical visit to go to collection. It is unfair that I am being penalized by the negligence of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: TX

Complaint narrative:
Hello, my name is XXXX XXXX. 

These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf. Here are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnionXXXX XXXX XXXX TransUnionXXXX XXXX TransUnionXXXX XXXX XXXXXXXX TransUnionXXXX XXXXXXXX TransUnionXXXX XXXX TransUnionXXXX XXXXXXXX TransUnionXXXX XXXX XXXXXXXX TransUnionXXXX 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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to an ATM to withdraw money but the ATM told me that the account was blocked. I went into the bank on XX/XX/XXXX I went into the bank and the bank telller told me that there had been a withdrawal of XXXX USD on XXXX XXXX and paid some bills on XX/XX/XXXX. I said that my last transaction was on the XXXX of XXXX and that said that I did not recognized these transactions on the XXXX. 

They said that EDD had frozen my account because of security reasons. I have gone into the bank account many times. They said that my card was blocked now and that they would send me a new ATM card, they did. I called to activate my new card. However, now with the new card which is already activated I went to the ATM and tried to access to my account however it says that is still blocked. I have called repeatedly to the bank and they say that it is blocked because the Employment Development Department of California blocked the account because of the fraud. I have made numerous attempts with both the EDD and Bank of America to get my account unblocked but with no success. They each tell me that the other one has to do something. 
The claim number XXXX. 

I am a senior who does not speak english. I have XXXX and my children have XXXX. I need help to access my money. Please help me.

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