vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 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:
I have requested validation, made pursuant to the Fair Debt Collection Practices Act. FDCPA XXXX07 [ 15 USC 1962e ] several times from Portfolio Recovery Associates. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Portfolio Recovery Associates. 

Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; by placing multiple negative marks on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company they may represent. 

Since Portfolio Recovery can not validate the debt, I am requesting that all credit reporting agencies delete the entry. 

Given the urgency of this matter, I will also be filing a formal grievance with XXXX XXXX XXXX XXXX XXXX XXXX, as well as the States Attorneys office of Louisiana. I will continue to explore every avenue of this matter until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: WA

Complaint narrative:
I contacted Equifax in XXXX regarding true name identity theft, after contacting the companies reporting incorrect information on my credit. 

My biological mother has been using my credit and SSN since I was a young child. XXXX as well as XXXX has adjusted and corrected my report, although XXXX is not investigating or doing their part. Ive submitted FTC reports as well as lists of all incorrect information and accounts that were fraudulent on my report & they are failing to delete, this is not okay to be reporting incorrect fraudulent accounts and information on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ERC
State: FL

Complaint narrative:
I do not want to recieve calls from this company. They have repeatedly called me after XXXX at night. I have no idea what it is in reference to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: UT

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX reports on my records because it was a duplicate. There is 2 of the same thing. The XXXX XXXX XXXX XXXX which was opened in 2014, and was a charge off and closed when I had a credit person help me with my credit. She asked me why there was 2 and I didnt know there was until I looked, I explained this in my dispute. The first one said it was a joint account which was not correct information, so Experian updated it and turned it into an account that was updated and now negative, and yet still there was 2 XXXX XXXX XXXX XXXX on there even when I told them the info wasnt correct and that there was 2 accounts, and there should only be 1. So I Tried it again, and I tried to explain to them that there was 2 accounts and that the XXXX XXXX XXXX XXXX was included into a bankruptcy that was dismissed, which the bankruptcy was also on my credit report, so why was there still a duplicate XXXX XXXX XXXX XXXX, as well as the bankruptcy? So I got an answer back, saying updated, but this time, they updated a XXXX  XXXX XXXX credit card, which is not what I asked them to do. And is not what I was disputing. 
So now I have 3 accounts that have new dates of being updated, 2 of them are negative and 44 points that were dropped from credit report. 
This makes no sense to me. 
If an account is closed, why is there a duplicate of it? And if it was put in a bankruptcy why is it on a credit report in addition? And when disputing something, they are not disputing the correct account? 
The disputing agency was Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Our property was burned to the ground in the XXXX XXXX XXXX, CA wildfires. As a result of this loss, we received a settlement from our insurance company. We sent this to PHH Mortgage Services ( our mortgage company three weeks ago ) and have yet to receive a settlement. The check sent was close to three times the amount of what was due on the loan. According to PHH they paid the loan and the remaining balance would be distributed to us in 15 business days. This time has come and gone. First of all we have not received our payment which is distressing. Second of all, this amount vastly exceeds the loan amount so I question why the lender is allowed to hold on to the funds in their account for 3+ weeks and collect interest. Something is wrong with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
We are hoping that you have some power to push Gregory Funding to provide us a review for mortgage assistance on our home mortgage. We fell behind on our payments due to an unforeseen financial downfall, but are back on our feet and want to keep our home. However, Gregory Funding isnt providing us with the guidance we need to ensure that we can resume making payments on our delinquent mortgage loan. Something is amiss with their representatives as they seem to not care about whether or not we keep our home. We have tried repeatedly to engage them in discussions about a loan modification or forbearance, but our requests are falling on deaf ears. Our mortgage loan qualifies for mortgage assistance and our mortgage payment is affordable, but we can not seem to get the communication going with Gregory Funding. When I did speak with their staff to obtain some assistance, I was treated very rudely. Last year my family had some very serious health issues which cost me almost {$40000.00}. We had to make a choice between taking care of my familys health or fall behind on my mortgage payments. It is unfortunate that we had to become delinquent on the mortgage payment, but we are ready to get our loan current and start making payments again. We tried to be proactive and address this issue and figure something out, but their staff hasleft a bad taste in our mouths and have obstructed us. We feel we have never had an opportunity for review, have never had an opportunity for a real discussion on how to fix our delinquency and feel we have never been given any options other than foreclosure. We have read a lot about how homeowners get helped through a modification or forbearance and are interested in either option that will keep us in our home. We are not sure if you can help, but we believe that you are the right agency to oversee their actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
first complaint XXXX seemed resolved. 

Trying to make my payment again! 
The number they gave to link or add a bank is merely more general instructions for stupid people! XXXX -- XXXX a Joke! I know how to add routing and account number but it fails! I thought for once, you were offering assistance. 

I can not link a bank! I have screenshots. It says " Sorry, we are not able to process your request. '' same as last month! 

I called the auto pay XXXX It says it doesn't recognize my account! I entered all the correct info, many times. It fails! 

I have never had these problems adding a bank in all these years!!!! 

I will not be charged late fees for these problems!

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 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I already disputed with another collection agency for the XXXX from XXXX XXXX and it was taken off my credit report how can another collection agency put it back on my credit report again? Diversified Consultants is the collection agency that has put it back on my report. Why can't it be taken off now?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: FL

Complaint narrative:
AES Team, I was informed about the XXXX Loan Forgiveness program a few years ago by AES reps on several seperate occasions. However, I was not properly informed about all the features of this program ; specifically XXXX Loan Forgiveness Forbearance. I was not properly informed that during the 5 year period, you can annually apply for forbearance while completing the 5 years eligibility at a XXXX XXXX XXXX. I was told my only forbearance option was General Forbearance which lasts less than 1 year. Had I been informed of this during the initial consult with AES reps I would have immediately applied for this special forbearance annually. 

I am now finishing up my 5th year at a title 1 school and are ready to have my loans forgiven. However, I am requesting retro active forbearance for 4 years ( XXXX XXXX ) in which I was eligible for the XXXX Loan Forgiveness Forbearance but was not advised of my eligibility for it. The XXXX loan forgiveness forbearance was the BEST repayment option for my specific circumstance over the past 4 years and AES failed to advise me of that. As a result, I have 2 90 day late payments on my credit report that could have been avoided had I been given correct information by AES reps. 

I know AES is all about helping its customers whos loans it services have the most pleasant experience ; especially its XXXX who serve in XXXX XXXX XXXX where we serve children from difficult life circumstances. I know AES has the best intentions to offer solutions to make the repayment process pleasant. However, the ball was dropped in my circumstance. 

This retroactive forbearance would rectify the unfortunate situation of not fulfilling their duty to inform me the best forbearance solution over the past 4 years. I know this is an abnormal request. However, given the extent of the circumstances I think you will agree that my request is fair and something that I am more than eligible for and entitled to as a XXXX XXXX XXXX that was not properly informed. Thank you for your time. 

I have tried on several occasions to rectify this with AES directly to no avail. 

Forgiveness Forbearance A XXXX  Loan Forgiveness Forbearance can be requested while you are completing the 5 years of teaching service at an eligible XXXX XXXX XXXX. The forbearance will be applied in 1 year increments, so you must reapply annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I am writing to you because I have been subjected to an increase in my monthly mortgage payment. The increase was done without my knowledge or consent. I would like to dispute the change in the monthly amount. The change occurred for the XX/XX/2019 payment. My mortgage amount was previously {$820.00}, which was a fixed rate. As of now, I am being forced to pay {$880.00}. This is an increase of {$60.00} per month. I appreciate you assisting me with this problem.

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 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
To Whom it May Concern : I first received a letter from " The Law Offices of Robert J. Colclough , III on XX/XX/XXXX stating that a judgement has been entered against me in regards to XXXX XXXX for the amount of {$18000.00}. I wrote to them to send me verification of this debt as I don't owe this or know anything about it. I sent them a current copy of my XXXX credit report dated XX/XX/XXXX. I received another notice on XX/XX/XXXX demanding payment in 5 days or they would initiate the EXECUTION PROCESS. I then filed a complaint with THE XXXX -XXXX XXXX XXXX ON XX/XX/XXXX. They tried to get a response from them to no avail so my case was closed. 
TODAY- XX/XX/XXXX I received a NEW LETTER FROM THE LAW OFFICES OF ROBERT J. COLOCLOGH , III FOR THE EXACT SAME THING, ONLY NOW, ITS FOR {$19000.00} and it is a different account # than the first letter and a different contact person!!

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 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Around XX/XX/2019 - CitiBank closed my 2 personal cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.

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 2019-05-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent account XXXX XXXX  XXXX open XXXX-17 amount 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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See attached XXXX XXXX XXXX-XXXX-XXXX ( landlord who claimed a failure to pay the XXXX, and you can see the amount going into his bank account and out of mine on the attached. I test XXXX this situation and got no response. 

XXXX XXXX XXXX-XXXX x XXXX I believe they ran my credit again 2-3 months ago without consent and then decided to ask me to leave in 60 days The equity group - denied me a rental and didn't allow me the time to dispute the item and will not return my emails requesting the opportunity to do so. I am sending her the same stuff as attached as well as XXXX XXXX. 
XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 4 days ago ) to me XXXX, I have attached a copy of your credit report. We use Experian. I m sorry your application has been denied due to that eviction on your report. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P. ( XXXX ) XXXX-XXXX x 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 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1. In XX/XX/XXXX, I reported some fraudulent transactions from a particular vendor in my bank account from Bank of America. 
2. In XX/XX/XXXX, despite the previous problem with the fraudulent transactions as reported in # 1, Bank of America authorized several fraudulent transactions from the same vendor in my account. I reported, and Bnak of America submitted the report to internal investigation. 
3. Bank of America took approximately 4 months to conclude the investigation. All my salary and funds stolen as described in # 1 and # 2 were taken out of my account to pay the fraudulent transactions. I was left with no money, with my bills unpaid due to Bank of America reckless and bad faith. My credit score dropped down severely. 
4. After 4 months, and after calling Bank of America a number of times ( they never called me to update about the investigation XXXX, Bank of America decided, without much explanation and without any reasonable grounds, that the transactions were not fraudulent and no money would be reimbursed to my account.

5. I was left without {$3800.00}. Bills unpaid, ruined credit score. Later on in XX/XX/XXXX Bank of America decided to shut down.

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 2019-05-07 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:
Fraudulent account XXXX XXXX XXXX  open XX/XX/XXXX amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Around XX/XX/2019 - HomeDepot closed 2 personal and 1 business cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.

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 2019-05-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Auto loan was originally opened with myself as co-signer, vehicle was not in my possession. Primary refinanced vehicle to have me removed from auto-loan. As of today, reporting is not up to date and reflecting incorrectly having my name attached to loan still.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
On or about XX/XX/XXXX I submitted a credit application to Citizens Bank, N.A. Shortly thereafter, on about XX/XX/XXXX, Citizens Bank sent me a letter asking for a copy of my state driver license and proof of address. 

On about XX/XX/XXXX I faxed Citizens Bank the documents they requested. The same day Citizens Bank placed an additional hard inquiry on my credit bureau report. 

Subsequently I had to fax the documents several times because it seems Citizens Bank can not afford fax machines that work properly or that lose documents that they actually received. On about XX/XX/XXXX I phoned to ensure the documents were finally received and request information about my application. After 45 minutes on hold, a very abusive and condescending woman told me my application was denied because they are " unable to verify information provided on credit application. '' I believe this woman lied to me. 

The information I was asked to verify was easily substantiated with the driver license copy submitted as well as verification of address by my utility company and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX.XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX ... XXXX XXXX XXXX, XXXX XXXX XXXX. I reached out to the FTC and my local police and Im also doing this on my own behalf.

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