vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I have received multiple calls from Portfolio Recovery Associates starting XX/XX/21 and each phone call is from a different number. The last phone call was on XX/XX/21 from XXXX. 

On XX/XX/21 I answered the line the individual wouldn't state who they were or why they were calling but wanted me to provide information confirming my identity. I refused and the call was disconnected. 

I declined the incoming call on XX/XX/21 and called back to discuss why I keep being called. The individual stated that they could not review any information until I confirm my identity. I refused and explained they were calling me no left a message in regards to who they were trying to contact or why. The lady became rude and disconnected the line. I called back and the next gentleman I spoke to I explained that I do not have an account with their company and if they wanted me to provide my information over the phone they would need to provide me with physical documentation before I provide identify information over the phone or they can remove me from whatever call list they have. The gentleman stated he was not going to provide me with information through the mail as I have not confirmed my identity and disconnected the line. 

This company is rude and unprofessional and may be collecting information falsely from individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report.

CITIBANK N A Account ID : XXXX I submitted sufficient information for performing a reasonable investigation of my dispute. Unfortunately, they neglected to do so. If they would off had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though three Bureaus claims to have this verified. Depending solely on flawed e-Oscar system has proven to produce less than accurate and fair information. I request Bureaus take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.
Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain mortgage.

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 2021-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dialed a phone number 1 digit off the Chase Card Lending number. The number dialed was XXXX. Chase 's actual number is XXXX. The person identified themselves as Chase. I said I was calling regarding a credit card application. They asked for identifying information ( name, address and date of birth ) then told me I'd won a {$100.00} gift card. I was then ask to provide a credit card number for covering the shipping and handling for that gift card. I refused to provide that information. The individual hung up. I made my banking representative know about this issue as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: OK

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$510.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$71.00} ACCOUNT NAME : ACCT XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: MA

Complaint narrative:
I was denied a federal loan because a collection agency, CKS prime investments, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from cks financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.

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 2021-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
Due to covid 19 we did what we thought was the right thing to do, that was turn in vehicle a ford we could not continue to pay on. After this ford motor company hired XXXX XXXX XXXX XXXX to collect the amount they did not sell the vehicle for which they sold not at fair market value. I called the law frim to set up payments, they did not agree to payments. I sent a payment of {$500.00} dollars in an attemp to strat to pay some funds back. YET I did not here back from the law firm and the law firm took out a judgement against me. Now the same law frim as threatened to take out a Writ of Execution. IM a XXXX percent XXXX veteran and now only have that income from the federal Veterans Administration. I have no big bank account funds, i have no real property. I told the law firm company that I XXXX XXXX DOB : XX/XX/1955 would pay XXXX as i could to pay off the debt that should have been settled by the sell of the new vehicle. I have no funds for to hire a law frim to counter act all this hard ball actions from XXXX XXXX law firm, they have had several complaints against them in the past years, both in state and federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Skopos Financial, LLC
State: IL

Complaint narrative:
I have tried over and over and over again to get this issue resolved with this company and they seem not to listen. For years this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. This company needs to come up with a solution and fast. This collection was set to be removed from my credit XX/XX/2021 and it has not come off yet!! They need to figure out something because this comes to a matter of reporting negative stuff on my credit and buying a home for myself and 3 children. What do you want me to do settle before you remove it? Admit that I owe it. What is it that you want?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: MA

Complaint narrative:
I was denied a federal loan because a collection agency, XXXX XXXX XXXX, reported two accounts to the credit bureaus, with different account numbers on the credit report I pulled and the credit report the loan company pulled. However, the actual account number from XXXX financial is a completely different number. I have contacted the company several times trying to obtain a letter stating the account is settled and that the credit reports have errors on them, however, I have not received any communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Received Fake text message claiming from Pay Pal. But the phone number was suspicious and so was the grammar. XXXX. 

Message Claimed " You have sent payments of {$15.00} to XXXX. If you feel you do noit recognize this payments, Log in to PayPal " XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was charged prior to the date I authorized the merchant to complete the charge. I contacted Chase to dispute the charge and Chase is making me wait 15 days to dispute the charge. My understanding is that a dispute must be taken upon notification from a consumer that it is unauthorized. 

I agreed to be charged on XX/XX/2021 and was charged on XX/XX/2021 for {$79.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lend Smart Mortgage, LLC
State: AZ

Complaint narrative:
In XX/XX/2021 my husband and I did a VA XXXX refinance through LendSmart Mortgage. I was advised that LendSmart Mortgage would fund my loan and my loan would then be purchased by an investor and serviced by a mortgage servicing company. On or around XX/XX/2021 I reached out to my loan originator to inquire about my loan and why it had not been transferred to a loan servicer as I still had to mail in my checks to LendSmart. I was advised that the loan was funded prematurely and did not follow VA guidelines and therefore out of compliance and the VA would not insure my loan. I was assured that my loan would brought to compliance and I would have a permanent loan servicer for my VA loan by mid XXXX. I inquired about if the VA wouldn't fund my loan, then I didn't have a VA loan. I was assured that I absolutely have a VA loan, the product I inquired about and signed a contract for, they just have to bring the loan into compliance. On XX/XX/2021 I inquired again about my loan and where I would need to send my payment for XXXX as I still have not received any paperwork regarding a new servicer. I was then contacted on XX/XX/XXXX. 2021 by XXXX XXXX, CFO, and advised that I absolutely do not have a VA loan, since the loan was prematurely funded the VA would not insure or back this loan. I advised that was the product I requested and signed a contract for, however I was not receiving that product. I was then advised that I could refinance again on or after XX/XX/2021 to get that product but would likely be at a larger interest rate than what I currently have. I am now stuck with a mortgage under different rules and regulations than I originally agreed to and my only way to get the product I signed for, is to incur further expenses with another refinance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021 While checking to see if my automatic payment from my checking account post ] ed to my PayPal master credit card, the system stated to me I needed to contact customer. Immediately, I contact my credit card company which Synchrony bank to see what's going on. First representative, stated to me I reported my card lost or stolen. I then replied and stating I never called to report that, my card is here in my hand. I asked to get my call escalated to a supervisor. I spoke to a supervisor, she informed me that the prior rep gave me the wrong information. However, they were informed my account was fraudulent opened and I ask who informed your company that, That's not true. I opened my account and I actually had to fully verify myself by scanning my face and the front and back of my state issued DL prior to getting an approval. She said she's very sorry that I experienced this issue and she will help to get my account verified. She then sent me a link via text where again I had to do the same process as before when I applied a few months ago, scanned my face and front and back of my ID and then give her the code that was sent after. She then, fully verify me and made a note to send to the investigator on the case. She advised me that a new card will be issued and to destroy the one I have in my hand. I asked if I can get a reference number to follow up, she said no there's not one to be given. I asked can I have the investigator 's name and number to follow up with this issue, she said she can't give out that information. She said however, I can call and provide the customer service rep with the last 4 of my card and they can help with any of my concerns. Today, I receive notice from XXXX, XXXX, and XXXX  that my account was closed. Immediately contact customer line to inform them of this and have them to reopen my account. Called over 5 times and no one was able to help or transfer me to the right department. This is a mistake on their behalf, I would like my account to be reopened in good standing and report this account to all reporting credit agencies with the report of my prior payment history. This is a huge inconvenience and their customer service agents sucks.

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 2021-07-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bought an airplane ticket for a friend of mine with my Chase credit card in XX/XX/XXXX. The flight was cancelled due to the pandemic. In XX/XX/XXXX I cancelled that credit card account. According to XXXX XXXX the ticket was refunded to Chase one year later on XX/XX/XXXX. 
I contacted the Chase Credit card and they said because my credit card account was cancelled they returned the money to XXXX XXXX on XX/XX/XXXX, XXXX.However, XXXX XXXX  said they never received the the money back. Here are my questions : 1. Why did Chase not issue a refund check on my name? Or, why they did not apply the refund to one of my another credit cards I have with them? 

2. Where is my money? According to the latest email received from XXXX XXXX the refund never got back from Chase credit Cards to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: MI

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX  XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Inaccurate reporting of scattered late payments from bureau to bureau. Must be 100 accurate and verifiable. Correct these late payments at once. 
XXXX XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
They blocked my account for no reason and there is no answers when I call them they say that there is a special department that is handling the account and they can only be emailed. Meanwhile this is my 10 time asking the agent to email them and I have not received any response or emails from them. They are holding my money against my will. And for no reason! And their lack of response is irresponsible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Recently, a collection agency named Sunrise Credit reported an unpaid bill of some kind on my credit report for {$2500.00}. I have no idea what this is. Prior to this collection account appearing on my credit report, I received no notice of this bill from Sunrise Credit. To my understand, a collection agency is supposed to notify you of a debt and give you 30 days to respond to it ; before they report it on your credit report. I discovered that after reading the Fair Debt Collection Practices Act. But it appears that this collection agency might have skipped a step here.

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint mortgage is reporting late notations for XX/XX/XXXX, XX/XX/XXXX. I called them because of this exact problem and have gotten no where. I put my account on forbearance at this time because I was in between jobs. They assured me that no late notation would appear on my credit file. However, I checked my credit and sure enough there was late payments. Like I stated, I was just waiting to get another job because things got rocky when Covid started at my previous job. I was never late before this and have been on time since, had I known that there were going to be late payments I would have figured something out.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I asked the company to give me a payoff quote ( without interest ). I was told that I am not paying interest. Also, there is no grace period on the payment due which automatically charges a late fee of {$40.00}. I asked to change the due date and was told that I would have to process an ACH on the due date ( which could cause me an NSF Fee ) in order to change my due date. They have received 6 late fees total plus interest. The rep says that a machine answers the phone and it is possible that i won't speak with a representative and will be on hold or hung up on. Or I will get put back into the que.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I have sent Santander Consumer USA an Affidavit of Truth/facts regarding XXXX  // XXXX // XXXX // VIN XXXX // Account Number : XXXX. 
Also I have sent Santander Consumer a NOTICE TO CEASE AND DESIST. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.

Company response to consumer: Closed with explanation