vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/20 I requested ; Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt From portfolio recovery. As of XX/XX/20 I have yet to receive NONE of the requested documentation let alone ANYTHING that could validate this account. If I am indeed the person you seek then providing these things should not be an issue. As you can see it is BEYOND the 30 days allotted by law. I have no problem seeking legal counsel to protect myself from this company. They have refused to validate the account. They also have refused to remove this account from my credit seeing as though they cant validate it. They have chosen to continuously violate my consumer rights. Keep in mind I sent a debt validation letter TWICE. While I prefer not to litigate I will use the courts as needed to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To who it may concern, My concern is regarding Shellpoint Mortgage Servicing Company. This company has received my monthly mortgage payments and have failed to account it as payments received. My bank has sent me proof the account was cleared and paid. This company is trying to foreclosed on my house and has sent me a letter indicating they sent my file to their Loss Mitigation dept. The person who they assigned it to is XXXX XXXX XXXX x XXXX. Their corporate number is XXXX. 

I have can send proof of my claim from above should you need it. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calvary Portfolio Service would not disclose who they were or who they represented. 
They claimed that a XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your f**king credit! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 have disputed a bankruptcy that was not mine for the last 2 yrs.. it was removed and put back on when it was not verified. As i continued to dispute they stated it was verified and would not let me continue to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: FL

Complaint narrative:
There is an account on my credit report twice. The account is XXXX XXXX XXXX XXXX XXXX. One for {$35.00} and the other for {$65.00}. I have no knowledge of this account. But it's on my credit report twice. And another this is XXXX XXXX needs to be removed from my credit report. it's an old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, XXXX  ( Department of Education Loan Servicing ) submitted an update letter to the three major credit reporting agencies : XXXX, XXXX, and TransUnion ; informing them to " REMOVE '' the XXXX XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with Equifax on XX/XX/XXXX ; TransUnion and XXXX  on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.

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 2020-06-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, XXXX ( Department of Education Loan Servicing ) submitted an update letter to the three major credit reporting agencies : Experian, XXXX, and XXXX ; informing them to " REMOVE '' the 15 XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with XXXX  on XX/XX/XXXX ; XXXX and Experian on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.

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 2020-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
2 Bank of America Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report. 

XXXX  XXXX XXXX debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received a letter from JCPenney ( JCP ) reducing my credit limit from {$500.00} to {$100.00}. Because I had never been late on any payment or asked for an increase in the credit limit, I was surprised. According to the JCP representative, XXXX XXXX listed delinquencies, which cause the change. As a result, my credit score was reduced. 

The information reported by XXXX XXXX was incorrect. I want this form of credit discrimination and injustice reported and corrected.

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I paid my account online more than the minimum balance and this has occurred twice so far. I paid my balance before the due date in full and weeks later I am charged for interests. This has occurred twice so far and when I called to speak with customer service dept, I am told it was interests of unpaid balance. I informed them several times that I paid the balance in full prior to due date and I even selected that pay full balance way prior to the due date. I receive poor customer service and not only are the nasty and rude they do not listen nor understand how a calendar works. I wait on the phone for over 45 minutes every time and it has nothing to do with CoVid 19 or virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
UNAUTHORIZED FRIVOLOUS CREDIT INQUIRIES BY USAA. see attatched. What Why??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
XXXX charged me for items that I DID NOT order and expected me to pay with an insanely high interest rate and shipping cost. They would not believe me that I did not order these products. Total scam and they said that what I did order would be repo 'd and they would be sending " large '' men " in my area '' to come get them and I better have it all ready. 
I am not a small lady, nearly XXXX ft, but I am no match for the XXXX   they were threatening me with. I was totally fine with returning and relinquishing those products to them though. Also happy for them to prepay shipping back, but I told them I could not prepay and they could take it out of my refund. They would not work with me. 
Anyway the " XXXX '' never showed up and this overinflated debt has been on my credit for at least a decade now. They would harrass me for at least 3 or 4 years and I tried to work with them. I got so depressed and felt like a theif, but I did not even have half of the merchandise they accused me of having.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: FL

Complaint narrative:
I have made multiple attempts to reach a customer service representative at Equifax I even previously submit a complaint on this website however my issue still hasnt been resolved XXXX XXXX XXXX is still reporting on my Equifax credit report even though Ive sent documentation which I also included in my previous complaint with CFPB that they dont have this account they dont own this that Ive also attached a copy of the letter from Equifax saying they have no record of this account however it is still reporting on my credit report please remove account ASAP this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had not been receiving a bill due to an address change and was not made aware of it until months later so that the debt collector could rack up unfair interest charges. The debt collector had made no attempts to contact me prior to reporting the outstanding debt to Experian yet I was not given the opportunity to correct the situation when I reached out to Experian. 

I regularly make payments far greater than the amount in question and have never missed a payment ; this interest extortion is clearly is not reflective of my credit score and Experian is wrong to be misrepresenting my creditworthiness. I don't have this issue with any of the other credit agencies. 

I have been unable to reach Experian subsequent to my initial dispute filing.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OR

Complaint narrative:
Owed XXXX for last month bill. ERC reported to to and I paid that balance in XXXX on XX/XX/XXXX. ERC continued to call and attempt to collect, leaving debt collection mark on my credit. I called and they confirmed it was paid and I owe a XXXX balance. They provided a second receipt when I called to dispute the incorrect reflection on my credit report on XX/XX/XXXX. Company still has not removed debt from my report and still shows it as me owing. I would like the debt removed from my report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
The Bureaus would not disclose who they were or who they represented. 
They claimed that a XXXX XXXX credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in jail, and ruin your XXXX   credit! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc
State: NC

Complaint narrative:
Flexshopper charged me for items that I DID NOT order and expected me to pay with an insanely high interest rate and shipping cost. They would not believe me that I did not order these products. Total scam and they said that what I did order would be repo 'd and they would be sending " large '' men " in my area '' to come get them and I better have it all ready. 
I am not a small lady, nearly XXXX ft, but I am no match for the goons they were threatening me with. I was totally fine with returning and relinquishing those products to them though. Also happy for them to prepay shipping back, but I told them I could not prepay and they could take it out of my refund. They would not work with me. 
Anyway the " goons '' never showed up and this overinflated debt has been on my credit for at least a decade now. They would harrass me for at least 3 or 4 years and I tried to work with them. I got so depressed and felt like a theif, but I did not even have half of the merchandise they accused me of having.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I attempted to apply for a CARES Act mortgage forbearance through PNC Bank - where 6 months of payments can be deferred until the end of the mortgage, with no balloon payment required. 

I was told that the only loan modification offered to me would be a 3 month forbearance, with a full balloon payment of 3 months of rent due at the end of the period. I was told the CARES Act modification was not available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
ACIMA CREDIT FKA XXXX has yet to resolve the pressing matter I have disputed with them in regards to the reporting of inaccurate information on my personal credit report, I have no recollection of this account and have previously informed them that I was a victim of Identity Fraud due to various data breaches. Multiple attempts have been made to resolve this issue with ACIMA CREDIT FKA XXXX. Unfortunately, the problem remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My beau, XXXX XXXX, and I opened a joint account with navy federal. During the application process, XXXX selected the incorrect option to establish his eligibility. He thought the selection he chose was for household eligibility. However, he received an email today requesting a marriage certificate. It's already taken a few days too long to open the account and was wondering what the delay was. No one from the membership department reached out by phone to inquire or to offer a solution ; yet they sent an email. I called the bank customer service and reached an operator agent named XXXX. After explaining to XXXX several times I am the joint owner, which means we both own the account 50/50 and im already a bank member. The issue could be fixed internally, especially after I reiterated we are not married. In the wake of COVID19, NFCU is trying to compel me to leave my home to visit a branch like the XXXX didn't just report 30,000 new infectons this week. XXXX refused to give me his supervisors name nor would he provide additional identifying information to locate him. I asked XXXX seven times to speak with his supervisor and he refused. He taunted that he would not lose his job and he was very secure. The call being recorded on my end as well, I am definitely sending to XXXX. I have been a member with NFCU for a while and never have I ever had such a disgusting display of customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am a customer of TDBank credit card and on XX/XX/XXXX or XXXX called them regarding the deferred Covid-19 payment option which was advertised on their website. I was found to qualify for the program and they allegedly informed me the next month I would not have to make any payments, only in the beginning week of XXXX which covered their 90day period. I was informed that on the day and month that I called, XXXX that I needed to pay whatever balance due on my account which I did. The issue is that the following month after I was allegedly enrolled in the deferred payment option, a balance due of XXXX dollars was shown in my online statement. I called them and they stated I do not need to pay it, and according to the TD representative at the time that it was probably a computer glitch as the amount should have been XXXX I actually paid that balance due of XXXX despite their assurance and my fear was that they could report me to the credit bureau if the payment didn't post. The next month was the same issue, and I called again to inquire about why do I have a payment due when they enrolled me in the deferred payment option and the TD representative reply was the same as the other one from a month prior which is to disregard and don't pay it. The following month which is this one, XXXX came and I saw another due date for XX/XX/XXXX for XXXX dollars and I called them concerned that I have been taken advantage of and told them what is going on, wasn't I enrolled in this program or not. Her reply which was on XX/XX/XXXX was that I now needed to pay the XX/XX/XXXX balance as the deferred payment option only covered until XXXX. I was irate and respectfully mentioned to her that it ends in XXXX not XXXX. The phone connection either on her end or mine was suddenly disconnected and I called again and this other TD Bank representative said no that the deferred payment option for me ends in XXXX. Not only this is confusing, either deliberately on their part but the issue at hand is that I ended up paying them for those 3 months and the balance on each month was always XXXX and despite their assurances there was no XXXX balance due but an amount which I had to pay or they could of reported me to s credit bureau. This deceptive advertising on their website to help those during this pandemic has made me question their tactics and what they have done is deceive those into paying them instead of having a supervisor or someone send an official letter stating this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, US DEPT ED, XXXX, XXXX, XXXX Company Inquiries : XXXX  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation