vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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 was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells fargo closed all my accounts because my ID in record with them expired. They closed my account this morning. I spoke to numerous people at wells fargo today and was told that my accounts that were closed this morning can not be reopened. I was told that i needed to open new accounts ( does that sound familiar? ). I have three personal accounts, one checking, two savings. I have 2 business checking accounts for two different LLCs. One account i had since XXXX. 

I am sure that i am not the only person affected. Imagine the millions of people that have not been to the Wells fargo branch in years. I feel like they're doing this to drive foot traffic to branches to sell people stuff. 

Last time i was at a branch was XX/XX/XXXX to open an llc business account and i provided my valid ID. 

I was not provided any notice that my accounts were going to be 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 non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Transworld System INC. Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

Please provide the certified mail with receipt of notification. This company has never supplied the Assignment of debt or Method of verification. 

Anyone can compose document they delivered through the portal. 

Please provide a BIDINGIN CONTRACT. Please provide PHYSICAL PROOF OF THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
Bought vehicle in 2014. Voluntarily returned vehicle less than a year later due to poor condition and the cost to repair compared to value of vehicle. The vehicle had been repossessed from the previous owner and had not disclosed activity. The company then sold vehicle at auction, then charged off the account. Years after charging off account they updated a new balance on account with a different balance. XXXX  has done nothing to fix this. The company keeps reporting every month that the debt is charged off but a balance remains?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Request for immediate and urgent removal of the following unauthorized/unrecognized/unwarranted inquiries from my XXXX, XXXX and transunion credit reports. 

XXXX ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX Dealer ... ... XXXX XX/XX/XXXX XXXX XXXX ... XXXX XXXX XX/XX/XXXX XXXX  XXXX  co XXXX XXXX XXXX XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  mortgage Serv ... XXXX XX/XX/XXXX XXXX Auto finance ... ... ... XXXX XX/XX/XXXX Action taken by me : All accounts are in dispute. Thanks for your prompt assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX sold a debt in XXXX and a collection agency Creditor Name AMSHERCOLLECTIONSERVICES obtained debt claims account was opened XX/XX/XXXX and placed in collections XX/XX/XXXX for a XXXX Debt wasnt incurred by me and collection company has been harassing me via phone and letters claiming to seek a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Purchased our home XXXX, lender XXXX XXXX. 
Payments processed, account accurate, zero problems in 11+ years. 
Loan sold to Carrington  Mortgage XX/XX/XXXX without consent, don't understand why. 
Since loan transfer, errors with account, lost payments, contradictory communication, and then this : We lost 95 % of income due to Power outage disaster, followed by Covid restrictions, shutdowns ordered by the state of California. 
Carrington granted forbearance initially through XX/XX/XXXX. 
In late XXXX, service rep. extended forbearance through XX/XX/XXXX. 
When I initiated contact near end of this period, I was told forbearance only was first 90 days ( XXXX ) and I was therefore in Default. 
There was no warning and no options given at any time. 
XX/XX/XXXX received Default notice from Carrington. When I called to ask why the rep " XXXX '' told me I shouldn't worry about it, call us in 30 days.. 
let us know if your situation improves. '' XXXX, XX/XX/XXXX, I attempted to reach XXXX, calls, e-mails were not returned. I then submitted loss mitigation forms, seeking options including possible modification, forbearance. XX/XX/XXXX, received notice of foreclosure from XXXX, Texas law firm. XX/XX/XXXX, Carrington sent notice of incomplete mitigation forms. I returned requested forms by US mail, and e-mail several times, to multiple company representatives, as of now they will not acknowledge receipt. 
It is my understanding I must receive written determination of my application before any actions, timelines ( default, foreclosure ) commence. By California law, Dual Tracking is banned. 
It has been very difficult what has happened to family members, and our livelihood during pandemic and don't believe company is acting at all in good faith, or legally. 
They have ruined our credit, and posted public foreclosure notices causing many unwanted solicitations. 
I need all timelines stopped immediately until I am given, by law, the 14 days to respond.. once a decision to my application is received. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Request for immediate and urgent removal of the following unauthorized/unrecognized/unwarranted inquiries from my XXXX, XXXX and transunion credit reports. 

XXXX ... ... ... ... ... ... XXXX XX/XX/XXXXXXXX XXXX  XXXX ... ... XXXX XX/XX/XXXXXXXX XXXX  XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  ... ... ... ... ... XXXX XX/XX/XXXX XXXXXXXX XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX XXXX  ... ... XXXX XX/XX/XXXX XXXX XXXX ... XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX   XXXX  ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... ... XXXX XX/XX/XXXX XXXX XXXX XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX XXXX ... XXXX XX/XX/XXXX XXXX Auto finance ... ... ... XXXX XX/XX/XXXX Action taken by me : All accounts are in dispute. Thanks for your prompt assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: OH

Complaint narrative:
Account : XXXX/XXXX  # XXXX I have never been late on this account. Please provide physical proof of late payment. Please method of verification of late payment on the account. I would like to know the steps involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: OH

Complaint narrative:
Account : XXXX/XXXX  # XXXX I have never been late on this account. Please provide physical proof of late payment. Please method of verification of late payment on the account. I would like to know the steps involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I initiated a wire transfer of {$100.00} out of my checking account into my brokerage account on XX/XX/21 and completed the wire transfer form exactly per the instructions. Capital one charged me {$25.00} to send the wire. It went missing and never showed on my brokerage account. On XX/XX/21 I found a credit on my checking account for {$70.00} from the brokerages bank and an additional fee from Capital one for {$15.00}. I was charged a total of {$70.00} to unsuccessfully send my {$100.00} wire. Capital one XXXX  up the wire as I had included all of the required info to process the wire. I called them XX/XX/21 and spoke to two rude individuals in the wire department ( one being a supervisor ) and they refused to refund me the ridiculous fees, not to mention Ive been a customer for well over a decade. They offered zero clarity on what went wrong. I am asking for a refund on the money Capital one stole from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I fell behind mortgage payments since the outbreak of the pandemic in XX/XX/XXXX. In XX/XX/XXXX, I filled out Borrower assistance form per instructions from XXXX XXXX, account manager from Fay Servicing. XXXX XXXX told me that I was under consideration of deferment of payments and I had nothing to worry about. 

On XX/XX/XXXX Fay Servicing initiated foreclosure lawsuit against me by filing XXXX XXXX. I called XXXX XXXX immediately and he told me that the foreclosure was a mistake and I had nothing to worry about. I was offered deferment and my first payment is due in XX/XX/XXXX. 

I told XXXX XXXX that I will catch up all the late payments by XXXX. Please stop the foreclosure against me as I have been harassed by XXXX of real estate flippers on daily basis. 

During the phone call with XXXX XXXX in early XX/XX/XXXX, I made three monthly payments and more one payment in XX/XX/XXXX. On XX/XX/XXXX I was served with lawsuit before I had the chance to make all the missed payments. 

On XX/XX/XXXX I wired all the missed payments plus {$3800.00} recoverable corporate advance to Fay Servcing to reinstate my account. 

The account was re-instated on XX/XX/XXXX as I was told. 

Since I have been current in XX/XX/XXXX, I have made timely payments in XXXX and XX/XX/XXXX. I will continue to make timely payments in the future. 

Fay Servicing has told me that I am out foreclosure process. However, the legal case is actively against me in the court house and my entire family has been harassed by the real estate flippers. The flippers thought they can buy this property cheap before auction, they visit the property, they send mail and most painfully they call on every single phone number our family has on daily basis. 

We want to be free from this pain and suffering from this unjust foreclosure action against us. I have contacted the Fay Servicing counsel repeatedly begging her to file proper legal paper to get me off the court house foreclosure public information. It has been over two months and no formal dismissal paperwork has been filed. 

I have no additional money to hire an attorney to compel the foreclosure dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have requested to have a protected consumer freeze placed on my daughters credit report three times over the past year. Why will they not do this? I have provided all the requested information and mailed in all the necessary forms. How many more times do I need to request this before they will just place the freeze on her account? 

Please help me to have the freeze placed on my daughters account. I can be reached at XXXX. 

Thanks, 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 explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO
State: OR

Complaint narrative:
I did a balance transfer from my account with a promotional rate of 0 % for 12 months. I have not yet reached this 12 months and am paying the card. I could not remember how many months the promo rate was for and so searched my statement high and low and all the terms and conditions. NO information as to when the promo rate was to end. I subsequently called the credit card ( Popular Credit ) and asked when this promo rate ended. The CSR gave me one date then went away and came back to me with another date. I then told her that I really need to be able to see in writing as to when the promo rate is valid as I was not feeling confident in her shaky response. I asked where this was in all my information ( statement, online, etc. ). She said it was not posted anywhere. I proceeded to let her know that this is the only card I have that does not list CLEARLY ON the monthly statement as to when the promo rate will end allowing the consumer to plan accordingly as it can be easy to forget the original terms. ( I could not remember if it was 12 or 18 months ). I said that I think this could be illegal and predatory behavior on the part of the credit company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I should not have been sent to collections from Penny Mac. I was going through a refinance on my house at the time and everything was paid off on time. Even when I emailed Penny Mac they agreed, so why they sent me to collections is beyond me. It was transferred from Penny Mac to Solidify through XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MA

Complaint narrative:
I was informed by collection agency I.Q. Data International, Inc on XX/XX/XXXX that they were attempting to collect a debt of {$14000.00} for the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. I contacted a representative at I.Q International by phone to discuss and dispute the action. The representative accessed the account XXXX XXXX XXXX. The collection contends that I violated lease terms by vacating my residence without providing proper notice. I informed the representative that I did not have a lease with the company. I further informed him that all rent payments were made in full and that I was in possession of a letter from the management office at XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX that due to the pandemic no leases would be required in XXXX and no rent increases would apply. I received a second notice from the company dated XX/XX/XXXX that my rent has been increased from XXXX monthly to XXXX monthly plus an additional XXXX monthly convenience fee for non renewal of the lease totaling XXXX month. This amount was due immediately and every month thereafter that I elected to remain at the property. I vacated the property the following month. Upon review of the account the I.Q. Data representative agreed and acknowledged that the collection amount was inaccurate and the company 's supporting documents did not match their claims. I made a written request to I.Q, Data International , Inc to provide in writing an explanation of the charges and amounts. At no time was any judgement ever entered against me in any court. No rent on the property was ever unpaid. My request was sent to the I.Q. Data International , Inc via certified mail on XX/XX/XXXX. To date I have received no response or documentation from I.Q. Data International, Inc. I had considered this matter closed until discovering a collections report had been made on my credit statement. My current credit score is XXXX. I maintain all the documentation to support my position that no monies are owed to XXXX XXXX XXXX  XXXX XXXX XXXX. Supporting documents are available upon request but files were to large too upload on this site. This is a falsified and damaging action taken against me and I am asking for a complaint to be started against I.Q. Data International and if possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation