vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Sighs .... where do I begin? Starting back in XXXX I sent a letter to Portfolio recovery asking them to validate the allege account not verify but validate ( letter is attach as well in return I sent a letter with a itemize billing? Left me very puzzled. I then send a second letter informing portfolio recovery that they neglected to validate debt. THIS ISNT MY ACCOUNT. I asked in the 2nd letter for the collection agency ro provide viable evidence my signature!!! I even asked the collection agency to detail the procedure used to determine the accuracy I even asked to know who I there company verified there account. If this is my account prove it show the contractual obligation your alleging I have this is truly disheartening because no one at portfolio has even look at my letters they just send out this allege bill despising the fact that Ive spent my hard earned money to mail letters to clear matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I have called Genesis FS Card Service about they keep billing me and I do NOT have their credit card, When I first got it, I cut it up because I didn't want to use it. They keep billing me and I haven't been the one who is using this account. Every month they keep billing me and I told them that I don't even have their card and asked why they keep sending me a bill. I have been paying every month but this has got to stop. I even told the man that he should look into this because I have NOT been using this account. I just received another bill and my last supposed to had been {$29.00}, and I paid them and wrote on the bill, PAID IN FULL but I keep getting bills from them. The only card that I ever use is my Debit card from XXXX XXXX so why are they people keep sending g me a bill over and over again. I told him to close this account but they haven't, they just keep sending bills to me. The man was very rude when I tried to tell him that I do NOT have their card or charge anything to that account. He just got smart with me and told me to keep paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: DC

Complaint narrative:
To Whom It May Concern : I have federal student loans through FedLoan. I am currently a federal employee that is participating in the Public Service Loan Forgiveness program. I have been submitting my yearly certification forms and my last certification form has employment approved through XX/XX/XXXX. 

In XXXX, I received my certification report. First, the form lists more PSLF Eligible Payments than Qualifying Payments ( 89 to 84 for some loans and 79 to 74 for other loans ). However, the letter does not explain why certain eligible payments are not counted as qualifying payments.

Additionally, assuming that the Qualifying Payments are actually correct, the estimated eligibility dates for these sets of loans are as follows : XX/XX/XXXX for loans with 36 payments remaining and XX/XX/XXXX for loans with 46 payments remaining. However, given that this last certification was approved on XX/XX/XXXX, these dates are incorrect. For the loans with 36 payments remaining, the estimated date should be XX/XX/XXXX ; for the remaining loans it should be XX/XX/XXXX. These were the dates that appeared on previous forms ; however, since actions were taken by the government to pause student loans during COVID-19, these dates have changed and are now inaccurate. I have spoken with FedLoan about this and have received assurance that it would be corrected ; however, this is the second certification form I have submitted where this has not been fixed.

I am requesting that FedLoan review my file and update my payment information with accurate information. It appears that there are various inaccuracies even though my employment has not changed during my entire time in the PSLF program.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Park Hill Holdings
State: TX

Complaint narrative:
Hello, there is an eviction from XXXX XXXX XXXX, dated XX/XX/2016, and is filed 2 times in the same month. One is dated XX/XX/2016 and XX/XX/2016. I recently emailed the Property Management for the complex to see if there was a balance owed or left behind and there was not. I was then directed to XXXX where I was told I dont have an open account. Im now looking to move and I keep getting rejected because of the information. Please assist with removing this information as I was never evicted nor do I owe a balance. Thank you. 

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 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I received a statement approximately XXXX XXXX that there was an escrow shortage {$110.00} and to pay to prevent monthly payment increase. I made this payment earlier in 2021. I called XXXX XXXX and was told by XXXX not to worry because I nolonger have a shortage. 
XX/XX/2021, I am notified that I have a {$150.00} escrow surplus and that my monthly payment will increase approximately {$6.00} for escrow tax and {$150.00} will be mailed to me??? I spoke to XXXX who says it's a federal law that the surplus can't be applied to escrow and has to be mailed to me and that I can't return it saying apply to escrow because of federal guidelines. Also if I did mail it back to them it would simply sit in my account and not be applied anywhere. 
He also says it serves me no benefit to make additional escrow payments, he specifically said for me as if my situation is different from other lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I received a debt collection harassments notice from some company called CACI. This is an ongoing problem from 2019 when my identity was compromised. They purported debt in question does not belong to me and it keeps going to debt collection agency to debt collection agency. This is not my debt and I've disputed it time and again with different companies, this one is just the latest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a drone from amazon on XX/XX/2021 in the amount of {$1400.00} which later was determined to be defective and successfully returned back using the following tracking number they seem to not register within their system that was provided by their system. After Amazon reps have searching and located that tracking number : XXXX they have concluded numerous times they/amazon has received item in their fullfillment center. Synchrony bank continues to deny and state that the item was not returned and receiving communications from amazon that the item was never shipped. Apparently amazons system reflects another tracking number by XXXX which isnt the one they have provided at the time of shipment. It is now been several months and numerous complaints with this agency and severe damage to my credit report and both companies refusing to provide a resolution other than stealing my money, damaging my credit and/or returning the merchandise. Synchrony says amazon has refused the dispute while in the same sentence providing the tracking number I mentioned above proving that it was returned, but Synchrony, denying my claim without investigating that tracking number. Requiring me to keep reopening an investigation that takes 90 days and it is now 5 + months and no end results. Amazon says they refunded the money, synchrony says the disputed with proof that you have returned it successfully while not resolving. I have several complaints against synchrony regarding this same issue and its not being resolved. They keep either falsifying statements with your agency or who ever and closing this case out. This matter has not been resolved. While I keep being told wait some more, wait some more, wait some more and then the case gets ended with unable to help with transaction. This is now criminal and fraudulent no longer an accident or negligence.

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 2021-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo attempted to open an account in my name. 

I received a letter in the mail with the subject " your recent online application '' dated XX/XX/2021 and received on XX/XX/2021. 

I never applied for an account. I previously froze my credit at all three bureaus to prevent fraud. 

The letter stated " we were unable to open an account based on the information you provided in your online application '' and prompted me to go to a branch to open it in person. 

Wells Fargo has a history of opening accounts without their customers ' permission. 
The letter seems to be an automated response for them attempting to open an account in my name and having failed.

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 2021-10-05 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: PA

Complaint narrative:
Im a victim of identify theft, two accounts ( XXXX XXXX and XXXX XXXX ) were opened and my name without my knowledge or consent. I sent multiple disputes along with a FTC report and a copy of my identification card. These two accounts must be removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have been disputing several inaccuracies on my credit report with Equifax over the past year at least with little to no cooperation from Equifax. The most recent of which was signed for and received by Equifax on XX/XX/2021. That letter requested that Equifax either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Equifax to either properly verify or remove these items, as of today, Equifax is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Equifax responds with a slight change and verified as the result. 

This willful neglect for the law by Equifax has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Equifax for their blatant refusal to delete information that they are reporting that can not be verified properly by Equifax. 

I want these negative items removed immediately as I have given Equifax more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have been disputing several inaccuracies on my credit report with Experian over the past year at least with little to no cooperation from Experian. The most recent of which was signed for and received by Experian on XX/XX/2021. That letter requested that Experian either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Experian to either properly verify or remove these items, as of today, Experian is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Experian responds with a slight change and verified as the result. 

This willful neglect for the law by Experian has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Experian for their blatant refusal to delete information that they are reporting that can not be verified properly by Experian. 

I want these negative items removed immediately as I have given Experian more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded 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 2021-10-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had two fraud transactions on my Bank of America credit card on XX/XX/XXXX, with the amount of XXXX in total ( one is XXXX, and another one is XXXX ). 

I called BOA the first time I found the fraud transactions, and they refund me quickly However, on XX/XX/XXXX, BOA put those two transactions on me again with the name of XX/XX/XXXX XXXX XXXX. Though I dispute them again on XX/XX/XXXX, they made a final decision on XX/XX/XXXX and recharged me with the name of XXXX XXXX 

I called for several times to find out what happened, and a specialist told me that after investigation, these two transactions were to purchase health care products and the products were sent to my address. I asked for details about the address, and the specialist said it was my apartment address but different apartment number. They couldn't dispute these two transactions because the person living in that unit may be my relatives or friends. BOA insisted that it was my job to prove that that person had no relationship with me, and that specialist asked me to get the police report. I thought that was ridiculous but I still did what he insisted me to do. 

I got the police report, mailed it to BOA as they requested, and called to make sure they received it. They said they reopened the investigation for me and I could see the claim in my message center. This conversation happened on the early XXXX or the late XXXX, I couldn't remember clearly. Now, almost three months passed, I don't see any existing claim in my message center, nor get my money back. I think they lie to me and wait me to forget it.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted XXXX several times about information they are reporting on my report. I sent in my photo ID with the correct spelling of my name and correct mailing address but they refuse to correct this issue.

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 2021-10-05 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: NJ

Complaint narrative:
I am being sued by a Midland Credit Management in court of XXXX County, NJ through XXXX, XXXX XXXX XXXX, XXXX law firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor XXXX XXXX. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per XXXX XXXX XXXX . and I don't remember any details and don't have any records left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
1. I was informed there are 24 months worth of payments made to my first loan services that must be manually processed 2. I was informed that the reason 84 payments failed to qualify for public loan forgiveness is because of a system incongruity AKA- system error. Therefore, those 84 payments must also be manually processed.

3. The reason those 84 payments were denied for the student loan forgiveness program is for being in an ineligible payment plan. According to the terms of the TEPSLS program, the information is incorrect- since being in a graduated repayment plan IS an eligible one under TEPSLS.

4. They said my case was escalated- but that they wanted to be realistic and honest by informing me it would be many months before the manual processors would see my case.

5. It took me 3 phone calls to finally get this answer. The first 2 representatives disconnected the call. I had no issues with the call on my end.

6. They said they were unable to explain what would happen on when they no longer service the US Dept of Ed loans. So- after all of this hassle, they wont do anything to help my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: FL

Complaint narrative:
XX/XX/2021 I mailed a certified dispute letter to XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over XXXX complaints with the 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 2021-10-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2021 I mailed a certified dispute letter to XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over 100 complaints with the 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 2021-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I XXXX XXXX sent Capital One Bank a cease and desist/debt validation notice on XX/XX/2021 regarding a debt they are reporting to the credit bureau attached to my file. 
Capital One Bank did not respond pursuant to 15 usc 1692 ( G ) ( A ).

Company response to consumer: Closed with explanation