vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Equifax two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/2018I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
We went to closing on XX/XX/XXXX paying off both Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . and XXXX XXXX XXXX. NFCU did not give us an payoff from NFCU itself instead NFCU had their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . send the payoff that was confirmed XX/XX/XXXX by XXXX XXXX was the wrong payoff. After our complaint to your office NFCU and their attorney/collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . refused to send the correct payoff and was trying to destroy closing once again with their unethical and unlawful actions so we were advised to payoff full amount under protest. emails will confirm Enclosed are the emails from settlement company making full confirmation both NFCU and Beneficial were paid in full the amounts as Navy Federal Credit Union and NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXXXXXX . and XXXX XXXX XXXX required in their payoff notices/documentation to settlement company. 

We are still receiving harassing calls from NFCU and XXXX XXXX XXXX. NFCU informed us that they have the right to call because NFCU have not received payoff. 

Enclosed are emails XX/XX/XXXX from NFCU attorney/ collection agency XXXX , XXXX , XXXX XXXX XXXX , XXXX . stating on XX/XX/XXXX. Please see emails XX/XX/XXXX of settlement company confirming both wired payoffs for both XXXX XXXX XXXX. 

Both NFCU and XXXX XXXX XXXX are destroying our credit and is refusing to report to all the credit bureaus that both mortgage loans are paid off in full. We want Both XXXX XXXX XXXX to report both loans as payoffs in full and remove all damaging information destroying our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
We have had a very difficult time with PHH to have our short sale reviewed. Our agent has submitted the short sale 3 times and after 30 days PHH has still not placed the short sale in review.

The first excuse was they had to review for a loan modification. PHH took 30 days and they approved us for a Owner occupied loan modification. They problem with that is we moved out 6 months ago, and the property is vacant. This was told to PHH 10 times but they did not seem to under stand. Approving a home owner for a un occupied property with no proof of income seem like mortgage fraud. And it continues.

Now after 30 days of removing the loan modification PHH can not give us an answer to why they simply can not move the file to the short sale department and being the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have been a BECU Member since XX/XX/XXXX and I had an amazing relationship with them until XX/XX/XXXX. My grandmother passed away on XX/XX/XXXX in XXXX XXXX, AR. My immediate family and I had to leave immediately to be there to handle the funeral arrangements. We were not prepared at all and wish I had been for sure. Well I began writing checks to cover expenses and thinking that my direct deposit would cover the negative balance. Well things just gotten more out of control with bills, auto repairs, and loans from another financial institution. I started getting behind more due to the emergency trip to Arkansas and caused me to either be without completely for awhile or write another check thinking again it would be covered. It all hit once my account got negative {$1000.00} and so I was warned on the XX/XX/XXXX to stop writing checks or we will close the account for 6 months. I agreed to do so then asked the lady what should I do and how can I make payment plans to get the squared away because now is the time to fix this. I never had been in a hole like that and was tired of trying to write checks to cover what I owe to pay bills plus pay debt. She suggested to stop my direct deposit, open another checking account with the same institution then switch the direct deposit to transfer funds to the negative checking account in enough payments that would eventually cover the whole balance. My job had to issue me a paper check because of the canceling of the first checking account for the XX/XX/XXXX because it takes awhile for direct deposits to process to another account. Well I received my check and did what was suggested to me. I deposited my pay check into the 2nd checking account because BECU do not cash pay checks. Well once that was done, only {$200.00} was available to me and so I called it in to verify that it is my job pay check this time and to get it cleared so I can start paying off my negative balance plus have money for other bills that are due at this time. Well the lady I spoke to this time was not so kind and took matters into her own hands which she got my account locked and they kept my whole pay check saying there is nothing we can do. I was so appalled by the way everything happened so fast that it almost caused me my life. I just wanted to make things right and rebuild my account into great standing as suggested to but that is not how it happened. I have been calling and even went into a branch to see how this even come about? The lady had noted that I had 2 warnings when I only had one and the fact nobody wants to hear me out or work this out is shocking that an institution would even do someone like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There is an account on my credit report under LVNV FUNDING LLC that was opened on XX/XX/2018. I have no idea who the original creditor is or why this account was placed in collections. I have never received any information regarding the collection of this debt, or the original debt itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was offered an incentive to open a new checking account at PNC Bank! I went in to accept the offer, they declined but offered me a PNC Smart Access account! 
Despite being told by their corporate office I should have received the incentive to open a full checking account, my PNC Bank Branch repeatedly refuses, cancels repeatedly my PNC Bank Smart Access VISA, and after clearing up an error why the VISA was cancelled, I was told they would send me a replacement PNC VISA but in the meantime I could deposit checks into my PNC Smart Access account! I attempted to today and my bank branch refused to accept the deposit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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 recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and no name but account # 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 non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UBS BANK USA
State: OR

Complaint narrative:
On XX/XX/2019 I received a notice of assignment from XXXX XXXX naming UBS Bank as the new servicing bank. ( attached ) On XX/XX/2019 I had my bank send a payment using the information in the notice of assignment to UBS Bank and the money was debited from my account. ( attached ) On XX/XX/2019 UBS Loan history starts. That is why my payment may not have been credited. 

On XX/XX/2019 I sent a message to UBS Bank asking them to credit the payment. ( attached ) On XX/XX/2019 I called UBS Bank and confirmed the mailing address and account number. 

On XX/XX/2019I received a statement not reflecting the payment. ( attached ) On XX/XX/2019I had the following chat with UBS Bank. ( attached ) UBS has failed to provide timely answers when I did everything as they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
When applying for a loan in 2015. I was denied due to Equifax not reporting my credit. The loan agent sent me a document from XXXX stating I could request a suppression on my credit. I never requested one. 

For a few years I have been trying to resolve this issue with Equifax, they claim I do not exist or can not verify who I am. I have sent them all of my documents confirming who I am. 

My XXXX and XXXX credit is fine. They both receive the info from my lender on my auto loan. The lender sends the info to all three bureaus. XXXX XXXX sends my info to all three bureaus, but again Equifax does not report it. 

This problem has kept me from purchasing vehicles, a house, I couldn't even go buy a new washer and dryer. When I went to a local store to buy new appliances they claimed I had no credit, then they asked me to confirm my identity, I did. And they proceeded to tell me the information does not match with my social security number and that I show up as a woman living in Utah. Which is incorrect. I have never lived in Utah, and I am male. 

It's extremely frustrating that I pay my bills on time and have good credit with the other 2 credit bureaus, to turn around and be denied a loan because of an apparent mistake on Equifax ' part. 

Any information I can get to solve or help determine what happened would be great. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: MD

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
XXXX 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 non-monetary relief
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
For about ten years, we have been getting harassing phone calls and letters from a string of scores of collection agencies purporting to represent " XXXX XXXX '', to collect on a Texas utility bill. One, we have never lived in Texas, and have lived at the same address in Florida for 28 years. The debt collectors never provide us with the address of the company or the identity of the person who did have the debt, if there ever was one. When we respond to their letters, we simply wait a few weeks, and we get another string of letters from a different collection agency. By the way, 28 years is way beyond the seven years statutory period. The latest agency to try this scam is Resurgent Capital Services, XXXX XXXX XXXX, XXXX, MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: FL

Complaint narrative:
Hello, I Opened up an account with PayPal through XXXX to sell items on XXXX. My items got sold and there were no complaints the buyers were satisfied after it got delivered. However, when I went to transfer my funds that was in my balance PayPal put a hold on it, and froze my account. I was on the phone with them several times, trying to figure out why cant I transfer my money to my bank. The items got delivered XX/XX/2019. I spoke to several reps one rep asked why do I need to transfer the money ( I was shocked by that question ) its my earned money from my business and I should be entitled to get my money and put back in my business. Why should they hold it if there are no complaints and no refunds. The rep also wanted more information from me I guess to see Im the person in charge of the account. I gave them all the information they asked for and even more. I gave them my social, my ID, I even gave them a bank statement, and my lease to where I live. Nothing was taken care of, I spoke to other reps, one rep even said yes you gave us everything, she even took my account off of hold, and made it seem like everything was fine now. I got off the phone, and that same night at XXXX they sent me an email saying my account is suspended and they will hold my funds for 180 days. Now at this point Im furious, PayPal have been doing this to so many people the only reason I have an account with them is because XXXX uses them as a payment method, ( for now ) because I read they are parting ways soon. But besides that, I also read by law depending your state no transmitting company is allowed to hold your funds for more than 10days. It has been since XX/XX/XXXX and they are still holding my funds which is only {$610.00} but to me its alot because its my earned money I need and can use for my business, which takes care of my family. Almost forgot, when they sent me the email ( XX/XX/XXXX ) stating my account is closed and I cant do business with them, and they will hold my funds they mentioned I was a fraud and the information I provided to them is not mines. Next day I contacted and went back and forth with them asking them why they will accuse me of that when that is a serious matter because people can go to jail for that all the information documents I gave them are all mines. I reached out to the mayor of my state they contacted me and gave me this information to contact you guys. Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A XXXX debt collection company by the name of Portfolio Recovery Associates have filed a lawsuit against me and have negatively impacted my credit by attempting to collect debt that isnt even on my credit report and is well past the four year statute of limitations on debt collecting in Pennsylvania, most likely the debt is more that 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: PA

Complaint narrative:
We were behind a payment for XXXX. My husband went to the bank in person on XX/XX/XXXX and ask what we needed to pay to be current and he paid that amount. It was 2 payments plus late fees and was to also cover XXXX. We got our next statement with a past due amount. Again we went to the bank, ask what we needed to pay to get caught up and why/how we were behind? After a few days they said we missed a payment in XX/XX/XXXX and they floated it and it just appeared with accumulated late fees. ( Thats questionable because we were getting calls from Key Bank asking for information in the summer of XXXX so we went to the bank and the young man there said no it wasnt them calling, they would not ask for social security/account numbers on the phone. We ask him to check our account and he did and said it was current and no problems. ) So we paid again and 11 days later got another and then a foreclosure. We paid again, then they said we were paid through XXXX ( in XX/XX/XXXX! ) after we saw {$1800.00} unapplied payments on our statements, plus another {$20.00} fee ( for what? Were ahead ) We had to take money out of our savings. We dont think our statements have been correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: GA

Complaint narrative:
I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, DPTEDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent XXXX two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/XXXX I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

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 2019-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Dear CFPB, We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. 

The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. 

The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled Image_1 and Image_2 ). 

We proceeded to print the return label and ship back the item ( Please see attachments titled Image_3, Image_4, and XXXX ). 

The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled Screenshot_XX/XX/2019 USPS com - USPS Tracking Results ) knowing that was ALL that is needed to manipulate PayPal 's claim system! 

PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. 

I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! 

Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it!

Company response to consumer: Closed with explanation