vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I keep getting a phone call from Portfolio Recovery. I have no outstanding past due debts. They are not giving any information but keep trying to collect or verify information. I do not give them any information and they still continue to call for no reason. I have checked my credit reports and have no outstanding or incorrect information in my report. I want these calls to stop I am receiving 1to 2 calls a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Portfolio Recovery XXXX. The Account Opened is The XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. The Account Opened is Portfolio Recovery XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$18000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I asked for help from Mass Atty General they arent helping!

During the beginning of the Covid pandemic the news said to check with your Mtge co to see what they will do to help, I called to see what options were available in the event it was needed! I have been going back n forth via emails,,,,, phone calls to them arent easy. Now they are demanding $ XXXX be paid in 2 months. They will do nothing to help but the payment plan thats insane paying back that kind of money in such a short time during this pandemic. The rep DID tell me that this has happened to other customers just an FYI this bank is deceptive when i called it didnt state that pressing such buttons will change your account which is what they told me when I inquire, now they want to forclose on my family home I am on XXXX I have a life ending XXXX and this is just too much for me. Please help us! 






I have been going back n forth via emails phone calls to them arent easy. Now they are demanding $ XXXX be paid in 2 months. They will do nothing to help but the payment plan thats insane paying back that kind of money in such a short time. The rep DID tell me that this has happened to other customers just an FYI this bank is deceptive when i called it didnt state that pressing such buttons will change your account which is what they told me when I inquired, now they want to forclose on my family home I am on XXXX I have a life ending XXXX and this is just too much for me. Please help us! l - [ ]

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 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for this issue but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX XXXX sent a bill to Aargon Collections but I was unaware that I owed anything since I have insurance. I just recently found out that I had a collection because I ran my credit. I contacted Aargon and let them know that I never received a bill from from XXXX or any documents from Aargon. I never had the opportunity to pay this prior to this reporting on my credit which is against FCRA laws. 

I should have been given a reasonable amount of time by both parties listed above prior to this reporting on my credit by law.

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 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened an account with XXXX.I wanted to buy XXXX dollars of XXXX stock.. they withdrew the XXXX from my account on XX/XX/2021 and I have not be able to access my account for three weeks. I called and email over 20 times and neve got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me. 

What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency. 

This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later. 

The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me. 

My credit score has a result been bouncing up and down from good to fair or worse. 
e.g. Last month my credit score went from a XXXX to XXXX ( XXXX point drop ). 

Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute. 

The name of the collection agency currently showing this item is Paramount Recovery Systems - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. 
XXXX XXXX - address?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE No one has contacted me COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE I am still waiting a responded from the company but I still facing the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions has been reporting an account delinquent that never was. According to statements and printouts from the bank the account is current. There are late fees that are passed due but payment has been made before being 30 days. Regions back office and branches can not figure out why the systems do not match up. This is affecting my credit and business.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX I was made aware that I had a delinquent account with sprint mobile in the amount of {$120.00} My account with XXXX was closed in the fall of XXXX. XXXX assessed additional charges and sent this bill to convergent outsourcing. I received no communications regarding the delinquent account from XXXX or convergent outsourcing. I was made aware of this situation as im in the process of purchasing my first home, and upon pulling my credit, convergent has reported this to multiple credit bureaus effectively dropping my credit score from Excellent to poor. I have since taken care of the debt owed, however, my credit is damaged to a point where I may not be able to finalize my mortgage on XX/XX/XXXX on the house I have under contract. This is unfair and unjust. I had not been made aware of this and am seeking justice to have this removed from my credit report

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
New Rez XXXX has not paid my property taxes and out of my escrow account and my account is now delinquent. The company has not been helpful in resolving the matter. They continue to give me the runaround, end calls, transfer calls, etc. I have been calling them for two months regarding this issue. I have never, ever dealt with such horrible customer service. Not one time has my call been returned, I have not received one update regarding this issue or any resolution whatsoever.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
On XX/XX/XXXX Experian was sent a SECOND letter via certified mail ( copy attached ) detailing inaccuracies in credit reporting and verification. This letter was complete with all company names, account numbers, and specific concerns involving each item in question. A copy of state issued drivers license and social security card were also inculed as identity verification. As of todays date XX/XX/XXXX, there has been no response to the demands indicated in that letter. A complaint was filed with CFPB and on XX/XX/XXXX XXXX  responded that they were unablle to proceed because they needed the names and account numbers that they had already been provived. Experian continues to maintain that they have investigated and results are accurately reporting despite never providing details of how this investegation results were determined per my rights as a Texas consumer. Experian ia also sharing information with a third party company XXXX which was not authorized by me. This third party company has also been sent cease and desist letter yet Experian continues to illegally provide/ exchange my personal information with this third party company without my authorization or consent.

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 2021-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
My VA mortgage was sold from another vendor to freedom in or about XXXX of XXXX. Since, my mortgage has not shown up on my credit report from any of the 3 agencies. When I asked they responded that according to RESPA they would not report for 60 days. OK, well that's been far past the 60 days and still is not showing at all on my credit report. It was placed into forbearance back in XXXX but according to CARES ACT the loan is still suppose to report as a neutral status in forbearance status. This is not happening and Freedom is refusing to fix. I have called on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked for assistance. I am told each time they aren't sure the reason but assure me a date is scheduled to show. every time the date passes and another one is given. I am trying to refinance, which i explain to them, and this is detrimental to that process. I have paid the mortgage up to date and have also requested it be removed from the forbearance status, which has also not been done. I've done everything required and asked, but they will not help me. As a veteran this is every troubling as this refinance is critical to my financial health. I'm not sure what else to do?

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 2021-02-11 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: GA

Complaint narrative:
I noticed a account on my credit report was in delinquency, I immediately disputed it because all my bill are paid on time and I shouldnt have any late payments on any accounts. All my bills are on auto payment. I reported this fraud with XXXX county police, the county in which I reside in, I also completed a identity theft affidavit and sent to XXXX  and Experian to have this XXXX account removed, they are still reporting this inaccurate account and its affecting my livelihood.

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