vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is the email I sent to the Office of the President on XX/XX/XXXX since customer service is not reachable, due to CV-19 as the recorded message states. 



Fraudulent Activity and No Assistance from PayPal XX/XX/XXXX, XXXX XXXX  to executiveoffice I'd like to make you aware that it is impossible to report fraud and get in contract w Paypal. I received a debit card in the mail that has my name but I didn't order the card. In fact, I had fraud multiple times in the past with PayPal, and also my family members. I asked to close down all PayPal accounts and not to open new ones. 

The number on the card is XXXX with the name XXXX. When calling customer service, no active agents are available during the weekends. Also, since I don't have an account with PayPal I'm unable to log a ticket. 

Can someone contact me and help me through this problem? I'm beyond frustrated about this situation, especially since I asked to flag me to not open any accounts in the future. This is like a situation of a do not call list and your company ignores customers. I'm wondering how often this happens to other folks. Or, if management is even aware what is going on with this type of problem. 

Obviously, your company has no adequate internal controls to prevent fraud and protect consumers because you put undue hurdles in place to even talk to your company. Unless I hear from you by XX/XX/XXXX I will contact the CFPB and XXXX  to log my complaint. 

--

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
There is an unknown collection on my credit from procollect

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 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: CA

Complaint narrative:
I received a Fraud Questionnaire i n the mail but I am having a hard time processing the claim because since my fraud claim I am having repeated trouble getting online to retrieve last transactions and getting into my account in order to obtain correct dates and info pertaining to the fraudulent use of my card. I've never had any issues like this before the fraudulent charges on XX/XX/XXXX {$340.00}, {$10.00}. And on the XX/XX/XXXX for {$.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21 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: FL

Complaint narrative:
Equifax failed to investigate the inaccurate information on my credit file. I sent them prove that I was never late on those account and they still dont want to remove the inaccurate accounts on my file. I have been disputing those information since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( MIDLAND CREDIT MANAGEMENT, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX ) method of verification ; because I dont believe the investigation Is being conducted in good faith. MIDLAND CREDIT MANAGEMENT - ( {$2600.00} ) XXXX  XXXX XXXX  XXXX - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LVNV FUNDING LLC ), and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX  XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) XXXX  XXXX XXXX  XXXX - ( {$1500.00} ) LVNV FUNDING LLC - ( {$650.00} ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This complaint is with 5/3 Bank. We applied for mortgage with them and it was such a horrible experience. We started the paper work XX/XX/2020 and we missed our closing date of XX/XX/2020 and two extensions our builder gave us. We wasted 82 days! We were lied to continually. We were told things such as escrowing for landscaping was allowed and that our file was in underwriting time and time again. Along with being lied to the lack of communication and knowledge. We gave them a deadline to answer 6 basic questions and we didn't get a response until XXXX that day ... just to hear them say they are looking into my questions. We had to drop them. We were able to go to another lender with the builders approval. The reason I am submitting this complaint is to forewarn others and to be on record of their doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Trans union and XXXX  both have encouraged me with credit card offers to open bank cards. I had none. Upon their suggestion to help with my credit score I opened several now Im being told my credit score is love because I opened these lines of credit with these bank cards. Also my credit score with these two reporting agencies is XXXX and XXXX XXXX  my credit score is XXXX. How can they vary like this? Not to mention that Trans Union and XXXX  both show exceptional payment history with the cards I have! I have had these cards for over two years. I have no collection debt on student loan which I believe is incorrect as I received my tax refund which would have been offset if I owed a student loan. Something is not correct!

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 2020-06-21 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: PA

Complaint narrative:
The XXXX PortFolio Recovery ( Phone number XXXX XXXX ) continues to call me daily/weekly/Monthly trying to collect a debt which I have advised them several times was not mine and I did not open. I have even advised them to investigate the debt as possible Identity theft but they continue to call me. The Debt, they state is with XXXX for $ XXXX plus dollars, it's listed under an address which I never lived in. I am also filing an investigation for this charge since they have placed it on my Credit Report and continuously weigh negative on my credit report. 

The Debt is not mine and I never opened a XXXX Credit Line, I am certain of this. This is the only agency continuously calling me and it's disrupting my mental health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21 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 have sent multiple letters to this company regarding my credit. I need the following removed from my credit report : XXXX XXXX XXXX, and US DEPT OF EDXXXX XXXX XXXX I did not take out student loans while I was in college. This has been on my credit report for over 8 years. This is affecting my life and needs to be removed ASAP. This is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2020-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have 2 debts from Portfolio Recovery on all of my credit reports. I have tried through all credit agencies to request corrected information. Unfortunately, these agencies as I understand it, only confirm that the collector SAYS it's my debt. I want the debt confirmed with some documentation because I do not believe its mine or could be accurate. My father added me to accounts he had when he was sick and I was his caretaker. This was so I could shop for what he needed. I can not discern based on any info I see on my report that these are debts I personally had. I believe they may be accounts I was not a co-signer for but was added to the cards as a user only and I believe I would not have responsibility for his debt. 

I do not have any known accounts within the 7 year time frame or with the companies listed. I initially requested dates to be confirmed which I never received any documentation of exactly what day I made any payments for any debt. 

1. Accounts are listed as XXXX XXXX  and XXXX. I have not had accounts through XXXX in over 20 years that I can estimate and not familiar with what XXXX XXXX is. 

2. I was a full-time stay at home care person for my father since early XXXX until he passed away in XXXX. That is how I am aware of dates when I became unable to pay any debts. ( I was unable to work in XXXX ). I had initially asked through credit reporting agencies to verify the information. Any final payments on any accounts I had personally were from before my time not working. I decided to dispute to clear up what the debts were and to get specific dates on any final payments made. 

I have repeatedly seen my credit accounts say ( consumer disputes ) and that's it. I have yet to see any documentation as to what these are and what dates they have assigned it being verified. My credit report states dates of XXXX which is not possible. 

I never even applied for credit anywhere after my father became ill because I was not working and my credit had already declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX and Equifax both have encouraged me with credit card offers to open bank cards. I had none. Upon their suggestion to help with my credit score I opened several now Im being told my credit score is love because I opened these lines of credit with these bank cards. Also my credit score with these two reporting agencies is XXXX and XXXX XXXX  my credit score is XXXX. How can they vary like this? Not to mention that XXXX XXXX and Equifax both show exceptional payment history with the cards I have! I have had these cards for over two years. I have no collection debt on student loan which I believe is incorrect as I received my tax refund which would have been offset if I owed a student loan. Something is not correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent multiple letters to this company regarding my credit. I need the following removed from my credit report : XXXX XXXX XXXX, and US DEPT OF EDXXXX XXXX XXXX I did not take out student loans while I was in college. This has been on my credit report for over 8 years. This is affecting my life and needs to be removed ASAP. This is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2020-06-21 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 have sent multiple letters to this company regarding my credit. I need the following removed from my credit report : XXXX XXXX XXXX, and US DEPT OF EDXXXX XXXX XXXX I did not take out student loans while I was in college. This has been on my credit report for over 8 years. This is affecting my life and needs to be removed ASAP. This is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: FL

Complaint narrative:
Experian failed to remove the inaccurate information on my credit file. I have been disputing those accounts since 2018. I was never late on those accounts.

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 2020-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have been a customer of PHH since XXXX. This month ( it is now XX/XX/XXXX ) I have not yet received a bill for XX/XX/XXXX. The usual amount is {$780.00} and I am close to paying off the loan in its entirety. I have never failed to receive a bill in a timely fashion in the past 17 years. In fact, by this time of the month I would have already received 2 bills for the following month and would be preparing to mail in my payment. PHH has a reputation for trying to foreclose on mortgages that are current.

I have phoned PHH at XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXXI was advised that no billing has been sent out. I also was strangely differently advised by another PHH phone representative, that my bill had been sent out on XX/XX/XXXX. I immediately requested that a duplicate bill be sent immediately. I further requested that a bill be sent by First Class Mail, email or fax immediately to me so I can pay on time. I spoke with an individual from the XXXX or XXXX twice I think on a very poor quality connection. I was also inappropriately advised that my payment would not be considered late until XX/XX/XXXX. I pay my bills on time, always. I pay them by the first of every month. Due to the poor quality and incomprehensible calls ( 2 of them to either XXXX or the XXXX XXXX by my request I was transferred to another individual. I have had previous experiences with PHH and have even had to involve a lawyer because of illegal and deceptive practices. 

make no mistake about this : I have NOT asked for a forbearance. I am aware of RESPA laws that in case of any mortgage servicing changes I am required to be notified of any such change. So I know that no servicing change could have occurred. 

Eventually I was transferred to XXXX in the Escalation Department on Thursday XX/XX/XXXX. She promised me an immediate bill by mail ASAP, email or fax. She has all of the relevant information to get this done. She promised to call me and has not done so. 

I demand PHH immediately send me a bill for XX/XX/XXXX. I suspect illegal activity and criminal behavior on the part of PHH. 

Thank you for your consideration in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: MI

Complaint narrative:
I am trying to link my XXXX bank account to Self, a credit repair service because there is a fee if I use my debit card when making payments. If I link my bank directly, there is no service charge when making payments. Apparently, XXXX doesnt allow to link accounts like this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Hello my name is XXXX XXXX I am submitting a complaint today against the company national credit adjuster. 
Recently I was informed of a new or updated account in my credit report. 
This file I have researched to be a collections firm operating on behalf of XXXX XXXX a payday loan comp. 
The issue is that the report states it is starting on XX/XX/XXXX as well as another one on XX/XX/XXXX of this year. The original loan I believe was issued in XXXX or XXXX. 
Also the loan amount was for {$500.00} and the reports state XXXX a piece. 
Also there is no way I could have done anything regarding a new loan as the only original loan was in XXXX TX and I live in XXXX XXXX TX. And have been for 5 years Also it's my understanding that the firm in question is under restrictions from the consumer finance bureau regarding these exact practices. And I'm not a lawyer but when notified by XXXX  I was informed I could dispute the claim and they would investigate ; instead I receive a notice stating everything is correct suggesting I had provided information or documents regarding the matter this is completely false I was never offered a chance to provide info other then claiming a dispute Wich they said they would handle completely. 
Now I'm sure this is all legal somehow, But I can't help feeling as if my consumer finances are not being properly handled by either So in fact I would like to go on record as submitting a complaint against XXXX  as well cause it seems to be very one-sided about this and I'm sure it's not the first time. 
In our current scenario of mass unemployment and a recession I hardly think loopholes and working the system to keep folks in debt is hardly the American way. I could be wrong. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Sold vehicle I had financed with Chase Bank. I owed {$25000.00} and sold vehicle for {$30000.00}. Buyer sent check ( was told it was a cashiers check ) directly to Chase bank. Check was rec 'd at Chase on XX/XX/20. I contacted Chase on XX/XX/20 and was told loan was paid in full. I specifically asked if it was okay in releasing vehicle to buyer. I was told yes, it was a recorded line so this should be verifiable. I was told it would take approximately 10 days for the additional funds to reach me. On XX/XX/20 buyer provided sent me a proof of insurance on vehicle and arranged for a local towing company to pick up the vehicle. On XX/XX/20 I reached out to Chase Bank again on status of check that was to come to me and was told the check had been mailed out. On XX/XX/20 Chase mailed me the vehicle lien release. On XX/XX/20 after still not receiving the check I reached out to Chase who advised the check mailed to me certified check and been intercepted because the buyers check had a stop payment placed on it on XX/XX/20 and therefore the loan was reinstated. At this point the truck is no longer in my position and Chase has been completely unwilling to help and continue to state my next payment is due on XX/XX/XXXX. I've spoke with their fraud department who said it was a said situation, but there was nothing they could do. I've asked Chase for a copy of the check and they said they would mail it to me, but haven't gotten it. I do not understand how Chase can accept a check on XX/XX/20 and it allowed to be stopped XX/XX/20. Of course the buyer 's number is no longer in service, the police has went to the location that the truck was delivered and it isn't there, the address the buyer gave it to an office building. I felt having the check mailed directly to Chase and waiting for them to advise us when it was safe to release possession of the truck was being extra cautious and they are blaming us for the issue and told us just to turn it in to our insurance. This will cause our rates to go up and be possibly dropped.

Company response to consumer: Closed with explanation