vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery was issued a cease to desist letter which was sent certified usps mail with return receipt and delivered with documentation on XX/XX/XXXX. In my letter, I asked for ALL communication to stop which means direct and indirect including via all mediums. Reporting to credit bureaus is in fact, an indirect communication. Portfolio Recovery was informed and requested in my cease to desist to remove this alleged debt from all reporting agencies that they have reported to. Portfolio Recovery has not complied nor responded to my letter via mail with the required documentation to terminate their attempts or any other collection agency with regards to this matter. On XX/XX/XXXX, Portfolio Recovery indirectly communicated to me by updating this alleged debt via XXXX  instead with an alleged debt balance owed. This is a violation of my request and I demand monetary compensation of {$1000.00}. Please see all documentation evidence including certified letter with signature, return receipt and the recent indirect communication to XXXX  on XX/XX/XXXX after receiving my cease to desist letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TX

Complaint narrative:
documents attached shows this account is reporting inconsistently across the credit reporting agencies the account type is wrong account status is inconsistent the date open has serval different dates it appears twice on my credit report as is its two different accounts last date active is very different on each agency.. and account violatates Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for XXXX years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for XXXX hours a day '' I responded no I take XXXX or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery calls Every day, all day long calls from all different area codes through out the United States just constantly. Since I have this phone number back in I guess XXXX of 2020 I have tried blocking the calls but they still find a way around this by calling from different area codes all day long. I don't know how they keep getting through. I block one number and another one pops up a few minutes later. This is insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
There is a XXXX  account report on my XXXX  and equifax report that should not be there. The debt was paid a removed. Per my XXXX  report I see where the account was removed. But it is still listed on my equifax and XXXX  account. Below I will attach a copy of all 3 reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I took out a mortgage with a lender, which closed on XX/XX/XXXX of XXXX. I bought my home for roughly XXXX, and had about a 95 % debt to income ratio. This loan, rightfully so, came with Private mortgage insurance attached.

The loan was then sold to wellsfargo, who is my currently moratger, and whom I pay my monthly payments to. I am currently studying to become an mortgage loan officer, and with my recent education I learned about the homeowners protection act of XXXX, where I can submit an appraisal and if my debt to value ratio goes above 78-80 %, then by law, the mortgage company must take that new value into account and remove that PMI ( private mortgage insurance ). I have gone back and forth with wellsfargo regarding this PMI and the removal process. I got an appraisal done, the home appraised for XXXX, putting my loan to value at a 73 %! I informed wellsfargo, and they said they would not take my appraisal. It's ok, I thought, I didn't mind paying for another, as I should have ran that by them first. Then the next person I contacted to get the list of approved appraisers, said that the homeowners protection act does not go towards FHA loans. We hung up, and I thought I was defeated ... until I started reading more and more over the next few days. FHA loans do not have a PMI, they have an MIP ... I then called back to verify what type of loan I have and was informed it was indeed conventional. I asked about the homeowners protection act, and at this point was told that " in order to have your PMI removed by the homeowners protection act you have to have it in writing by HUD '' so of course thats where I was referred to HUD. HUD then next FHA ( which was weird, because again I don't have and FHA loan ), then CFPB and here we are. 

I just desperately would like some accurate information as to why I am unable to use my appraised value to remove my PMI under the homeowners protection act. I am so frustrated that no one, after months, is able to help me. 

I have paid my payment on time, since the day I took out my loan. Never missed a payment or been late. I make biweekly payments.

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 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KY

Complaint narrative:
In XX/XX/2021 a collection account was reported on my credit report. I.C. System Inc has harassed me on several occasions in regards to collect a debt in the amount of {$680.00} which is a violation of the FDCPA 15 USC 1692d and FDCPA 15 USC 1692b ( 3 ) due to contacting me more than once. I have NEVER given I.C. System Inc DIRECT CONSENT as a consumer, in which they can not communicate with me the consumer in connection with the collection of ANY debt which is a violation of the FDCPA 15 USC 1692c ( a ). I have sent two certified dispute letters to XXXX  to validate this debt and never received the correct five documentations that constitutes I owe this debt which is a violation of the FDCPA 15 USC 1692g. I sent the first letter on XX/XX/2021 and the second letter on XX/XX/2021. The investigation came back as verified which is a violation of the FCRA 15 USC 1681a ( e ) because the proper investigation was not completed that consist of the consumers ( myself ) character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associations which they dont have my consent to communicate with third parties as stated in the FDCPA 15 USC 1692c ( b ). I.C. System Inc stated in the letter that I received that their office has reported this debt to the credit reporting agencies. This is an alleged debt that I do not owe, and by them reporting it to the credit reporting agencies it is a violation of FDCPA 15 USC 1692e2 ( A ) and has tremendously, negatively impacted my credit report. I.C. System Inc also violated FDCPA 15 USC 1692c ( a ) ( 1 ) by contacting me at an inconvenient time as I have been making funeral arrangements for the death of my uncle. Due to violations that I.C. System Inc has committed, this account needs to be deleted from the credit reporting agencies and by law in reference to the FDCPA 15 USC 1692k I need to be compensated per violation for damages.

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 2021-08-05 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: FL

Complaint narrative:
The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, XXXX, and TransUnion. ... XXXX, XXXX, and TransUnion are legally obligated to provide identical information XXXX  and transuion are reporting that my XXXX  account is {$400.00} which is inaccurate. Per my XXXX  account that has the accurate information with an amount of {$460.00}. 

XXXX reports to all 3 major credit bureaus there for all 3 bureaus should show {$460.00} as my credit balance. 

I have disputed multiple accounts with TransUnion and XXXX  and I am not getting anywhere. 

Below I will attached all 3 reports so the information is able to be verified per accuracy.

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 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
Last month I reciev3d a check payable to me for XXXX so I deposited I my us bank checking account so they cleared it so I started paying my bills so I paid my credit card bill of XXXX dollars then I left XXXX which I owed the bank money so they took the rest Later on about 5 days later I couldn't access my accounts online and I was given the run around. So finally I filed a compliant about fraud and I had gotten scammed. The check had already been cashed but was sent to me unwashed so I lost all of my accounts and the bank closed my credit card which had nothing to do with my 3 checking accounts I feel I was treated unfair and discriminated against. These people at the bank got me mixed up and I'm going to sue them I had fraud going on and I am protected. I have fraud protection on all my accounts but a lot of activity from places I didn't authorize My accounts should have never been closed

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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been disputing an incorrect item on my Transunion credit report. I send my letters by certified mail and Transunion delayed the receipt of the letters each time by three weeks. I believe they delay acceptance of the certified letters so they can get around the 30 days maximum investigation time. Transunion sends me generic letters that say they verified and updated my account without investigating it at all and without even addressing my dispute. It's just a generic again and again. They have not only avoided a doing reasonable investigation of my dispute but they exceed the 30-day time limit 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 2021-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Let me start by saying that I have been a customer of BOA since I was XXXX years old which is now 30 years and have never had a problem until now. 
XXXX-Bank of America cashed a check in the amount of {$5600.00} for a person that fraudulently forged my signature. I had been waiting on a check from my mortgage company for escrow funds. I never received the check and when I called the XXXX mortgage company they told me that the check had been cashed. I wasn't even in the state when the check was cashed. I filed a Safety Issue claimed on XX/XX/2021 XXXX PST with XXXX  he said it would take at least 10 business days to hear back from BOA but it is now XX/XX/2021 and no response has been received. I have filed a police report, reported to XXXX ( issued the check ). I don't understand how a bank teller could have cashed a check for someone with no identification.

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
BBVA won't allow me to close my checking account. Their interface won't allow me to transfer the remaining funds, and I can not transfer these funds via ATM, as I can't extract the exact cent amount from an ATM. They said they would send me a check in three weeks, which was now 2.5 months ago. And upon contacting them again, they just send the same canned messages. I really need to close this account and clean up my credit. Their support has been really horrible, as I've been unable previously to reach any support person by phone despite hours of wait. I never wanted to be part of this bank, as Simple ( my previous bank ) was purchased by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was a victim of fraud someone stole my card and put fraudulent checks in my account and the bank declined me and charged me anyway for their benefit.

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 2021-08-05 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: FL

Complaint narrative:
The FCRA applies only to the 3 main credit reporting bureaus -- Equifax, XXXX, and XXXX. ... Equifax, XXXX, and XXXX  are legally obligated to provide identical information Equifax and XXXX  are reporting that my XXXX  account is {$400.00} which is inaccurate. Per my XXXX  account that has the accurate information with an amount of {$460.00}.

XXXX  reports to all 3 major credit bureaus there for all 3 bureaus should show {$460.00} as my credit balance.

I have disputed multiple accounts with XXXX  and equifax and I am not getting anywhere.

Below I will attached all 3 reports so the information is able to be verified per accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a text notification that my card was used. I immediately informed Capital one regarding the issue. Informed them that I have my card in my possession and those transactions was not mine. I was relieved that they were able to close my card and issue a new card. Then XX/XX/XXXX came, I received an email stating that they didnt find any fraudulent transactions since my card is with me and they assumed that it was me who did that transaction. I researched the merchant and it was in XXXX  california which is more than 100 miles where i live. I asked them how can they reach to that decision regarding my dispute only for 3 days. The rep cant give me any answers regarding the process she just told me because the card has a chip so it was valid transactions. I told them that i will not pay for the fraudulent transactions. Asked them about there zero liability and she can not provide me with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Partners Financial Services Inc
State: TN

Complaint narrative:
I have a collection balance for XXXX from a school, XXXX XXXX XXXX XXXX XXXX, that was paid off by student loans, that I am in good standing with right now, well they took the amount my student loans paid for and made it their own, even though they were paid in full, and I had no idea of this until it went into collections. I have tried to fix it and get information and give information but they really want tell me much except I owe it. Ive tried to dispute it its not working either. Since they would not give me any answers or help on how I can fix this issue I told them not to call me no more. Well they continued to call and would call back to back from different numbers so Ive tried to block the number, but they also started calling from block numbers and would even call my friends, I have no idea how they got their numbers, and would call them back to back asking questions about me like where do I work how can they reach me and if my friends would call or text me and have me call them, they have called my work multiple times and will still to this day call my phone from different numbers and will stop. This loan was not a real loan I never owed them anything and I do not know how to stop this or get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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 sent a dispute on XX/XX/2021 regarding inaccurate and unauthorized items on my credit report. I received a response from XXXX  XXXX XXXX and Equifax stating that items in dispute have been verified however, in order for validation to occur, according to 15 U.S Code 1681 ( a ) ( e ) ( exhibit attached ) ; this law states that when a consumer investigative report is conducted ; factual information should not be included and an interview has to be conducted with my neighbors, friends or associates according to the FCRA 15 USC 1681 ( a ) ( e ) and this did not occur therefore the inaccuracies were not validated. Delete these inaccuracies and unauthorized items from my credit report immediately as you are civilly liable for reporting unauthorized, inaccurate information on my consumer report and each violation according to 15 U.S Code 1692k ( exhibit attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I entered into a consumer credit transaction with Nissan XXXX on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Nissan sent me a bill which is a violation of 15 USC 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: VA

Complaint narrative:
This company continues to improperly apply payments made to my account, resulting in the overall balance being higher than it actually is, or the payment due date being incorrect. According to the company 's files, more than 30 payments were improperly reversed and applied, which has caused unacceptable levels of financial harm.

Company response to consumer: Closed with explanation