vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 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: LA

Complaint narrative:
Portfolio Recovery has been using deceptive tactics calling my phone several times a day from several different numbers trying to collect a debt not owed. I have no contractual agreement with this company. This company should either be shutdown or have legal action taken against them for their fraudulent and deceptive tactics trying to collect on debts that were not owed. I would like them to remove all negative accounts from all three credit bureaus to clear my credit report of these false accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: FL

Complaint narrative:
On XX/XX/18 {$4900.00} was taken out of my Wells Fargo Money Market Savings Acct to pay XXXX XXXX  TX as a Web Payment. On XX/XX/18 {$780.00} was taken out of my Money Market Savings Acct to pay XXXX XXXX XXXX   as a Chg. Pymt. On XX/XX/18 I notified the Wells Fargo Fraud dept. that these withdrawals were not initiated by me. I also went to notify my local branch in person regarding the fraud. Then on XX/XX/18 {$2700.00} was transferred online from my Savings account into my Checking acct. Also on XX/XX/18 {$6000.00} was transferred online from my Money Market Savings acct into my Checking acct. I again called Wells Fargo Fraud dept. to notify them these transfers were not initiated by me. I additionally went in to my local branch office and notified them. The Fraud dept. decided at this point to close all my accts and issue all new accts for my Checking acct and both Savings accts as well as my children 's Savings accts. They then stated there would be stops and holds placed on my accts! They stated there would be a 90 day grace period window for things to clear from my old checking acct? Then on XX/XX/18 {$9600.00} was withdrawn from my brand new Checking acct. to make a Bill pay to XXXX  Card 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 explanation
Consumer complaint received 2018-08-24 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:
I am writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / 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 2018-08-24 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:
I am writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regarding XXXX Transunion stated that my complaint 's proper date of resolution should be in XX/XX/XXXX, I have proof that this issue should have been resolved on XX/XX/2018. Transunion made a material misrepresentation in it's reply to this agency 's inquiry. I have now been waiting two months on the review of my claims that Transunion is reporting a usury account in violation of NYS law. I have enclosed proof that Transunion received and acknowledged my complain on XX/XX/2018, additionally ; company has acknowledged receipt on past CFPB complaints

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 2018-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I made a money transfer for a vacation home rental in XXXX, NC. This ended up being a scam. I transferred money from my bank to the scammer 's bank in XXXX  and used Western Union. The scammer was not able to collect the money he thought he would get because I closed the account as soon as I found out by the actual home owner that I was scammed and they had never heard of me. Western Union charged me {$140.00} for the transaction onXX/XX/XXXX. I called Western Union and they say they have no record of me, even though when I did the transaction they gave me a receipt with the MTCN tracking number XXXX XXXX XXXX, a case number XXXX and a customer number XXXX XXXX XXXX. I would like the fee returned.

The scammer information I have is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank is XXXX and I have a bank code XXXX  and mobile number of XXXX  which must be bogus also. I just get a busy signal when I try to call.

So Western Union has somehow also scammed me. I have my bank statement showing a charge from Western Union the day (XX/XX/XXXX ) did the transaction through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The debtor filed bankruptcy in XX/XX/2013 of the debt. The debt was later filed as a lien against me from Portfolio Recovery Associates, LLC in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet Portfolio WILL NOT properly communicate, address and release the lean. In contacting the company on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: Ditech Financial LLC
State: FL

Complaint narrative:
I have an issue with my XXXX credit report, it's showing that my closed account with DITECH is paid but foreclosure procedures started in XX/XX/XXXX. This is incorrect information as the account was paid in full in XX/XX/XXXX. I have disputed this information for the first time in XX/XX/XXXX I have a letter from DITECH supporting this information and I have presented this to XXXX. The dispute results states that they contacted DITECH and they said the report is correct despite the legal document that I have, signed by DITECH and issued onXX/XX/XXXX stating the contrary.

I have contacted XXXX   multiple times to get help on this issue but they won't change the report affecting and damaging my ability to get any type of credit due to incorrect information in their report. In my last call to XXXX ( XX/XX/XXXX ) the operator told me that i have to contact DITECH as they can not change my reporting even with the legal documentation i have provided showing the opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
this was paid to a different collection agency over 4 years ago. I never had a account with this company that was opened in XX/XX/2016 like they are claiming on my reports

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 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mr.Cooper is completely negligent and in violation of RESPA guidelines regarding a loan modification request. At issue is the fact that Mr. Cooper ; 1. Keeps misplacing documents which is negligent and criminally negligent considering people are facing foreclosure 2. Continue to request information they already have already confirmed receipt of 3. Are completely disorganized and do not allow people to talk to the actual people handling the modification which creates obstacles to homeowners seeking to avoid foreclosure.

At this time Nationstar is in violation of RESPA guidelines for not acknowledging a complete package for modification which they have had in house since XX/XX/18. They are requesting a profit and loss statement which was never required as the homeowner is not self employed. It was merely offered as an option if homeowner did not receive pay stubs that showed year to date income and those pay stubs were provided on XX/XX/18. That means they have a complete package.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I told pnc bank before to put my work on a do not call list. I found out that around XXXX XXXX XXXX XXXX they have been calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
In XX/XX/XXXX I co-signed for a car for my grandson because of my credit they put my name first my grandson was late every month with his payments because his payment date from his job did not match up with the due date for the car note this was not brought to my attention until XX/XX/XXXX once they called me we changed the due date so that he would not be late and this was XX/XX/XXXXXX/XX/XXXX he was behind two payments at that time the company was called XXXX XXXX   the only way I found out he was behind was because they reported it to the credit bureau and they took 80 points off my credit I call them and ask why they did not reach out to me XX/XX/XXXXthey gave him an extension I spoke to two people within the last couple of weeks one said they gave him 6 weeks within the loan to catch up and he still behind a half a payment which I did not see on printout to catch up the other said they put those two payments at the end of the loan then changed it and said one payment the contract States the loan was 47 payments and the amount was for {$18000.00} the loan was supposed to end XX/XX/XXXX I had them to send me out his payment sheets his contract a few days ago after the extension they continue to charge him late fees even though the date was changed he paid all his payments on time after that and two additional payments at the end of the loan they say he still owes an additional {$900.00} on the principal but he has paid {$18000.00} a little over what the contract stated the full payment would be so they told me he signed a modification I asked my grandson he said he did not so I told them to send it to me when I read the modification his signature was not on there but mine was and signed incorrectly they did not have my permission they forged my signature this car is paid in full all these additional fees they want to add on I feel it's illegal and they need to be stopped they once again report it to my credit and took 78 points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TN

Complaint narrative:
Transunion has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XX/XX/2018 the following bellow unverified/re investigate requests have not been properly made by Transunion XXXX XXXX This account was paid through XXXX XXXX   the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Transunion says the account has been verified. Clearly it is unverified because the payment history changes every month. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Transunion has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that these specific and unverified information be corrected 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 explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
The debtor filed bankruptcy in 2013 of the debt. The debt was later filed as a lien against me from XXXX XXXX XXXX, XXXX in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet XXXX WILL NOT properly communicate, address and release the lean. In contacting the company on XXXX, and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
For the last 2.5 months, I have been trying to certify myself for Public Service Student Loan Forgiveness through XXXX. ( XXXX XXXX XXXX ) I am a XXXX XXXX who is eligible to be recognized for this service in order to receive credit for student loan forgiveness. I had my HR representative complete the required paperwork in XXXX. They rejected the paperwork because we used electronic signatures with our military ID cards. We resubmitted with ink signatures. We were rejected a second time because the HR representative indicated that I work 40 hours per week but DID NOT check full or part time. She just wrote full time hours instead. The form makes it appear as though you choose between the two, NOT full/part time AND then write the hours. 8-10 weeks for paperwork to be rejected based on a preference for wet signatures and a box being left blank but answered in another section seems like a duplicitous attempt to avoid giving me credit for public service loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I recently switched bank accounts and didn't remember to update my PayPal account with new info. As such it temporarily went into a negative balance ( tried to withdraw from my old account which was denied, plugged in new account like the next day, withdrew from new account, all is well ). 

An unknown number called me this morning with a very serious person telling me they were calling to collect a debt owned by me to PayPal. I told them I had already paid and the balance is showing up as " pending '' on my PayPal account. They told me I was wrong and I needed to pay right now - so I just hung up. 

Trying to collect a debt in such an aggressive manner is one thing, but trying to collect a debt that has been paid already and trying to argue over that is not good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: Diversified Consultants, Inc.
State: OH

Complaint narrative:
When I negotiated this payment with the collections company ( Diversified ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never  happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : XXXX XXXX  PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XXXX, Type : Collection Most Recent Adverse Rating - Date:XXXX, Type : Collection Prior Adverse Rating - Date:XXXX, Type : Collection XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc.
State: WV

Complaint narrative:
first credit service contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: AES/PHEAA
State: TX

Complaint narrative:
After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
XXXX XXXX XXXX contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.

Company response to consumer: Closed with non-monetary relief