vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
I'm including a PDF of my XX/XX/XXXX Letter to Specialized Loan Servicing ( " SLS '' ). The XX/XX/XXXX2021 letter to SLS is the latest in multiple communications with this loan servicer. 

As you will see in the attached XX/XX/XXXX PDF/Letter/Attachments, we have substantive unambiguous documentation which confirms that we are no longer responsible for the debt they are endeavoring to collect. 

We have been providing documentation to SLS since their first involvement. The XXXX XXXX XX/XX/XXXX, the originator of the HELOC, should have released our home as security for this debt following a dispute resolution exercise they inspired in in 2019. 

In the simplest terms, our obligation to the debt, for which SLS is now threatening a foreclosure, no longer exists.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Capital One Auto to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before Capitol One does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
On XX/XX/21 I received a phone call with no voicemail message left. I returned the call at XXXX and it was a collection agency. I requested that they send me an original statement so that I could confirm the charges because I never received the bill. The agent indicated that it would be a letter/statement from the collection agency and that they could not send me the original statement. I asked for the original creditors contact information just so I could request this from them and they told me that they would NOT give me that information unless I paid. I've never received a validation notice or a notice giving me time to dispute the debt so I think I'm at least entitled to a copy of the original invoice before I pay it. The agent was very argumentative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My wife 's Cash App account was hacked. Noticed that there was XXXX w/d from her Cash App that was linked to her debit card and ultimately our checking account. I reported the fraud to XXXX XXXX XXXX immediately and my wife reported the fraud to Cash App right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied our claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the Cash App account and we did not benefit from the transaction. I tried re-opening the case with XXXX XXXX XXXX and I was denied. I even provided all the screenshots that requested showing I was working with Cash App to resolve and listed on my fax to them that this was complete unauthorized fraud. XXXX XXXX XXXX and Cash App still refuse to assist me. This has been going on for months. XXXX XXXX XXXX  reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021. Both times they closed it for this reason, which is complete false. 

As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : **The charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. If you have additional information to support your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

They will not allow you to reply. You have to call a 877 # that takes an eternity to reach someone. I did once and they asked me to fax proof and I did. Now, I can not reach them by phone as the hold times are so long. 

This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. We were very prompt and complied with all their requests to resolve. 

Cash App will not assist and say they are working with our bank. They are not. We attempted to dispute with them also and they do not have anyone you can call. You have to go back and forth for days via email. They are denying the claim without an accurate reason as well and will not assist. 

XXXX was stolen from me via Cash App in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX I need help with this dispute on either company 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I requested a credit line increase and was told that I couldnt receive it because I already got one. False I never received an increase. I got an email stating it was an error and they would re-evaluate for the credit line increase and send me a correspondence in the mail the letter received stated I already received a credit line increase, which is wrong my limit is still {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about XX/XX/2021, XXXX XXXX XXXX XXXX XXXX ) forbearance is terminated as of XX/XX/2021, requested Wellsfargo for a loan modification ( Hardship ) due to XXXX was injured on his job an placed on limited duty, that prevent XXXX to resume XX/XX/2021 payment. 
On XX/XX/2021, XXXX contract Wellsfargo for a follow up due to notice that was initiated by Wellsfargo dated XX/XX/2021. Wellsfargo representative with a name of XXXX XXXX declared that as of XX/XX/2021, XXXX application was approved, XXXX requested for a copy, the Wellsfargo representative was unable to provide documentation.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Byrider Franchising, LLC
State: SC

Complaint narrative:
I have been filing disputes with the credit companies as well as with the company itself in regards to CNAC attempting to sabatoge my credit standing by re-aging a debt. I have pulled all three of my credit reports multiple times this year, and they are reporting a different date for the last payment to each different credit company. When I reach out to anyone, they all keep saying the account information is accurate. How can it be accurate if you are reporting something three different ways? I am prepared to seek legal action if this account can not or will not be removed from all of my reports. This is blatant disregard of the law. Re-aging debt, as listed under the Fair Credit Reporting Act is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-09-20 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: CL Holdings LLC
State: CA

Complaint narrative:
I have submitted several request of investigation on my credit report. Several accounts show inaccuracies and violations and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: SC

Complaint narrative:
I have been disputing this issue since, XX/XX/2021 the credit bureaus is not responding to this issue. i have sent in letters for months. The information that is present on my credit file is not correct. They always say accurate are verified. I need to see documentation of these accounts in question, with original signature. They can not provide me this information. I want these accounts deleted from my credit file within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XXXX 2021.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XX/XX/2021.

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 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have been denied time and time again for retentions options by Select Portfolio Servicing. A repayment plan increasing my mmonthly payment by $ XXXX {$900.00} in my opinion is not real help. I'm sure all of the SPS employees would agree that if someone were to increase their rent/mortgage by that much, they too would see that is truly is no help during a pandemic to even offer such an outragous option and label it as " assistance '' On XX/XX/21 SPS stated that again for the 5th time, I was denied for rentention options. 

I then received a phone call from SPS at the end of XXXX to tell me that a new program had passed that I may qualify for. 

I received a letter dated XX/XX/21 from SPS stating they needed more paperwork from me. Documents were sent on XX/XX/21 with my bank statements being sent later, on XX/XX/21 per the SPS request for assistance review. I called SPS on XX/XX/21 to make sure they received the documents from XX/XX/21 and was told that I was denied for retention options. 

If they hadn't even received all of the document they requested via written letter dated XX/XX/21, how could I already be denied?! 

They put my literal life at risk by doing these things. I was already told I was denied and to liquidate so why did SPS call me, to give me false hope, have me go out in public places to get and fax documents, only to deny me before said documents are returned? We are very much still in the middle of a global pandemic with variants that are still killing people. I don't understand why I was denied, then contacted by SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: OK

Complaint narrative:
In XXXX of 2015, I signed a negotiable instrument ( promissory note ) with the company in question and per my contract as the debtor I am asserting my rights according to 16 CFR 433.1-3. 

Violations : 15 U.S. Code 1692c 15 U.S. Code 1692d 15 U.S. Code 1692e 15 U.S. Code 1692f 15 U.S. Code 1692j According to 18 U.S. Code 8 all debts are obligatory of the U. S. but the company in question is trying to hold me, the consumer as surety for the negotiable instrument and for extortion purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
I filed for bankruptcy in 2011 in which my 2nd mortgage stop contacting me regarding payment. I tried to reach out to them but the loan was sold. Now 15 years later, my 2nd mortgage contacts me stating I owe them XXXX XXXX dollars and if I don't become current, they will proceed with foreclosure. THIS SCARED ME, so I hired XXXX XXXX to represent me and negotiate a settlement. XXXX XXXX said filing a lawsuit was now best way to bring Statebridge to the " table ''. But XXXX XXXX did not act in good faith and fair dealing. Therefore, I tried to talk to Statebridge LLC and offer XXXX XXXX dollars as a good faith starting point to negotiate and give me more time to refinance the debt. Statebrigde LLC said I need XXXX XXXX dollars to stop foreclosure. But like most Americans, I DON'T have XXXX XXXX dollars in cash. But like a-lot of homeowners, I have over XXXX XXXX in equity in my house which I can refinance this debt with the investor Statebrigde LLC is serving for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
I was checking my credit report and i saw account which i never applied, i had my wallet stolen, so i guess someone used my personal information. I am disputing this debt because I do not owe it. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

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 2021-09-20 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:
I was checking my credit report and i saw account which i never applied, i had my wallet stolen, so i guess someone used my personal information. I am disputing this debt because I do not owe it. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.

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