vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: RI

Complaint narrative:
I am currently being XXXX  by a woman named XXXX  from Tek Collect her number is XXXX. She said my wife XXXX XXXX owes her old XXXX  Dr XXXX XXXX XXXX of XXXX  Rhode Island {$660.00} plus fees. I explained we do not owe that. This XXXX  has already stolen {$24000.00} cash from us. Let me explain My wife needed a XXXX  XXXX  we had a great XXXX  pull the remainder of her XXXX XXXX and put XXXX  in. All Dr XXXX  did is have a XXXX  made and screwed that XXXX  to the XXXX. He told us he only does the best XXXX made of solid porcelain it is hard so it will last 30 years. It is however expensive because it takes a long time to make and is hard to cut and drill. So as he requested I paid him {$25000.00} out of pocket upfront only to later find out he put in a cheap acrylic XXXX  that only lasts 7 years which all other XXXX  charge {$2000.00} for. Then to make matters even worse the XXXX  was defective costing me an additional {$1600.00} to replace that broken screw that the defective XXXX  kept breaking on the XXXX. The technician explained it like this. The back of the XXXX  was not touching the XXXX  so my wife would bite down and the XXXX would go down acting like a lever breaking that same screw each year. Right now he has taken {$26000.00} from me for this {$2000.00} XXXX, for a full XXXX. To fix the XXXX  he had the technician cut off the XXXX XXXX. So now I tell XXXX  I paid for a full XXXX  and he only gave us a partial XXXX  he owes me money. She said well I will tell him you dispute this charge but he says you owe it, if he says you owe it, then you owe it. since you said you will not pay it we will ruin your credit. It will remain ruined, the only way to get your credit back is to pay us directly in full. We will be mailing you a letter explaining your credit problem and how there is only way for you to fix it.XXXXXX/XX/XXXX he put the XXXX  in. XX/XX/XXXX he replaced a broken screw cost {$260.00}. In XXXX I paid {$660.00} for a broken screw. In XXXX another {$660.00} for same broken screw. XX/XX/XXXX he replaced the screw and cut the XXXX XXXX  off he sent me a bill for {$660.00} that is what I told XXXX I do not owe because that expense was incurred because of a defective XXXX. 

Attached please see XXXX of defective XXXX  before and after he cut the XXXX XXXX. Also attached most of the payments I made to this XXXX  including the disputed bill from XX/XX/XXXX showing he replaced a screw again. 

XXXX  license number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Rhode Island XXXX XXXX XXXX is XXXX years old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
I am applying for a loan with Broker Solutions Inc., dba New American Funding, ph XXXX and they have increased my appraisal fee and discount points fee in the middle of the process ( started XXXX XXXX, 2021 ; closing is scheduled for XXXX XXXX, 2021 ). 
Discount points rose from {$510.00} to approx. {$1500.00}. 
Appraisal fee rose from {$490.00} to {$950.00}. 

Is this allowed by law? If not how can I challenge these fees?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I refinanced my mortgage with the same company ( Freedom Mortgage ) on XX/XX/2020. I tried to file for an insurance claim on XX/XX/2020 when a hurricane came through here. Insurance told me that I had no home insurance. I contacted the company numerous times, but before I did I purchased a new policy on the spot. I got a letter from Freedom Mortgage about a month in a half stating that I didn't have any and they were going to purchase one. I advised them what had actually happened and they were going to look into it I never heard anything. In XXXX I get a call from XXXX XXXX, Sr. Loan Advisor about another refinance and I agree, the process was ongoing thru XXXX 2020 until the last working day and someone called me and told me at the last minute that they weren't going to be able to refi and I had to make a payment for XXXX, mind you the Pandemic and economic strain we are going through so I was late with XXXX, which they in turn reported me to the credit bureau and are sticking me with a bunch of charges and threatening to raise my monthly mortgage. I have called numerous time and spoke to Supervisors an nobody cares and refuse to help me. Last supervisor was XXXX # XXXX from Escorow. I spoke to another agent previous to that XXXX # XXXX, another XXXX # XXXX and other Supervisors I can't find there names now.

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 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In late XX/XX/2020, I accidentally submitted two electronic payments from my bank, XXXX XXXX, to my mortgage servicer, Loan Care ( NMLS # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX ) The first was the correct payment amount of {$2700.00} and the second added an extra " XXXX '', i.e. {$27000.00}. 

When I discovered this I immediately called my bank to see if they could halt or suspend the payment. They attemped to do so and were unable to. 

Both payments cleared by bank on XX/XX/2020 and were " GOOD FUNDS ''.

XXXX XXXX suggested I call Loan Care and ask them to refund the 2nd over payment. I did so, and they told me to email a request to " XXXX ''. I did that, and they replied stating that they needed a bank statement. At that time, I had not received the bank statement yet but sent them a 'screen shot '' of my bank portal showing the transaction clearing the bank. That apparently wasn't good enough. They replied with a closed " ticket XXXX ''. 

On XX/XX/XXXX, I contacted XXXX XXXX and an agent and I together called Loan Care in an attempt to solve the issue. We were unable to get the issue resolved with the agent, and we asked to be transferred to a supervisor. XXXX XXXX both faxed and emailed documentation that Loan Care requested. 

With each question the XXXX XXXX representative and I asked, more obstacles were presented by the agent, couldn't be refunded to the bank, had to be sent by check, takes a minumum of 10 days, fax might not be found, delay delay, etc., etc. To say the process was frustrating was an understatement. 

The Supervisor eventually found the information XXXX XXXX sent and started a new " ticket '' number XXXX. At the end of the call, however, we felt that the new ticket would be resolved. 

That was 2 and 1/2 weeks ago, and NO communication has come from Loan care. They have refused to return the overpayment. I notified them on the XXXX that if I did not have the refund by XX/XX/XXXX I would be contact the CFPB. That didn't phase them one little bit. 

I do hope you can help. 

Than you. 

XXXX XXXX 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 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent CERTIFIED letters to EVERY collection agency on my credit report on XX/XX/XXXX. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. In accordance with Federal laws these companies had FIVE days to response and validate these debts and had 30 days from when the bought the accounts to notify these accounts and never did that either either actions. I have NEVER received any letters indicating there were any collections on my credit files until recently when I accessed my credit through XXXX XXXX I also sent a 609 letter, a method of requesting the removal of negative information from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act. All credit bureaus have not even notified me they received my disputes even with CERTIFIED LETTERS SENT TO EACH BUREAU ON XX/XX/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 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates LLC is attempting to recover a debt that is not mine and I have disputed on my 3 credit bureaus and was discharged several years ago. Portfolio is trying to recover a debt that was legally discharged by XXXX XXXX, XXXX and XXXX due to Fraud .For XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX. 
The # on the account Portfolio is trying to Collect is account # XXXX Creditor XXXX XXXX Balance XXXX My complaint also includes Portfolio Recovery was sent several Written letters to no longer contact me by Phone, per the Fair debt and collections practice act as is my right. 
They have repeatedly called in a harassing matter now since XX/XX/2020. I have blocked over 100 phone calls from there company regardless of my written notice to only use my mailing address to contact me as this is fraud and need to be in writing not over a telephone .They have repeatedly ignored my request. 

PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC Mortgage does not have an online function to paydown mortgage principal. When I called customer service today, I was told that I could mail in the principal either by mail, use the phone, or access its branches. First, my concern with this is that this is the only reputable bank that claiming it does not have a system capability to let consumers to paydown principals only online. I understand that mail-in is possible, but the days during the mail transactions will add interest to my principal, and nowadays not many people even have bank checks disposable for transactions. Second, PNC 's phone payment requires XXXX per transaction and I was told that I could use the automated process. I tried this morning, it is difficult to use as I have to have routine numbers and account numbers in hand and if I mistakenly push a wrong number, it goes back to the original menu, and the process repeats. It appears to me that it is a function for customers who need to make payments immediately to avoid hurting their credit scores. Third, I live in NY. PNC is not available around my area. I only know that there are two in XXXX and we are currently a middle of the lockdown. Finally, I did not choose PNC to be my loan serving bank. It happened that my mortgage was sold to it so I have to use it. In my opinion, PNC Mortgage is trying very hard to discourage its customer from paying down mortgages. It is unethical. Unfornuately for me is that if I really want to switch my loan serving bank, I have to refinance my mortgage, which is costly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent CERTIFIED letters to EVERY collection agency on my credit report on XX/XX/XXXX. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. In accordance with Federal laws these companies had FIVE days to response and validate these debts and had 30 days from when the bought the accounts to notify these accounts and never did that either either actions. I have NEVER received any letters indicating there were any collections on my credit files until recently when I accessed my credit through XXXX XXXX I also sent a 609 letter, a method of requesting the removal of negative information from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act. All credit bureaus have not even notified me they received my disputes even with CERTIFIED LETTERS SENT TO EACH BUREAU ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
DATE : SUNDAY AFTER CHURCH : XX/XX/2021 PROBLEM : WITHDRAW AT ATM WHAT HAPPENED : XXXX XXXX WOULD NOT RELEASE MY FUNDS TO ME AND ARGUED EVERY STEP OF THE WAY. I WAS ESCALATED TO A MANAGER AS REQUESTED BUT THAT WAS A JOKE HER NAME WAS XXXX XXXX HER AND THE FIRST AGENT WERE CLOWNS TO SAY IT KINDLY. 

WHAT COMPAMY IS THIS ABOUT : WELLS FARGO FIRST AGENT WHO ANSWERED THE CALL AS WELL XXXX XXXX. 

WHY THESE PEOPLE WANT TO MAKE IT HARD FOR ME TO GET MY MONEY IM GOING TO LOSE MY XXXX WITH YIOU PEOPLE! 

WHY CANT YOU BE HELPFUL AND WANT TO CHNAGE INSTEAD OF XXXX PEOPLE OFF AND MAKING THINGS WORSE. 

ONCE MY INCOME TAX COMES I WILL BE LEAVING THAT FREAKING BANK AS THEY ARE DOING THE XXXX WORK AND I DONT WANT ANY MORE PART OF THESE PROBLEMS THAT SEEM TO BE CONSTANT WITH THEM. 
THEY CHEAT THE PEOPLE WITH FAKE ACCOUNTS AND XXXX KNOWS WHAT ELSE IS UNDER THE TABLE. 
I AM ASKING TO DO SOMETHING TO THIS COMPANY AND THEY BE FINED OR PUT OUT OF BANKING AS THEY ARE NOT RIGHT IN SO MANY WAYS!!!!!!!!

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 2021-02-02 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:
On XX/XX/2021, I sent letters about inaccurate reporting of false items on my credit report. I have not received a response from them yet. I feel like I'm being ignored by them of my disputes. This are deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I opened an account with XXXX XXXX ( acct ending XXXX ) ( please see attached ). I never missed a payment. In XX/XX/XXXX I was notified by XXXX XXXX that my account had been charged off. Knowing that to be false, I asked them to produce proof. The account number ( acct ending in XXXX ) they provided me didnt match my account. They then told me that I opened a second account with them sometime in XXXX. I notified them that wasnt the case and asked them to produce something in writing showing that I asked for a second account. They were unable to do so. In XX/XX/XXXX I filed a formal challenge with Experian ( please see attached ). Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, states that [ Experian ] is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. They have not and can not provide any written proof that I have ever applied for this second account. As a result, my financial reputation is at risk. This matter should be investigated by your office as Experian is engaged in the defamation of consumers and is complicit in the spread of misinformation.

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 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
I went to a branch to deposit my check on XX/XX/XXXX with a teller and have had delays with my check due to what I believe was discrimination and retaliation. On the date of XX/XX/XXXX, I had a bank teller problem where she had treated me unfairly and I think she retaliated against me by " delaying '' my transaction and causing my funds to take longer than normal. It's been as of today ( XX/XX/XXXX ) that my check has still not cleared yet with the bank and I've called XXXX and XXXX to get a clear understanding of the hold time. The first customer service agent I've spoke to told me it was the branch that has the power to clear and hold a check longer than normal, then the second customer service ( on a different day ) told me it was their system that determines this which she said was too long because, and I agree with this being 11 days already. Now, before the institute responds with a rehears line, I've always deposit this financial institute check before for many years with US Bank and this check is a well established company ( XXXXXXXX XXXX ) that I have had for over 5 years as well, and this check was about the same amount as prior check amounts ( under {$1000.00} ) and I've never had a check bounce, decline or suspiciousness with a check nor my account. I've never had an overdraft or any fraud related suspicious activity with my 10 plus years with this bank. All of my accounts with US Bank is, and has been in excellent standings prior to this teller encounters which is why I believe was an act of retaliation and discrimination on that date and a person like her should not be in the banking profession mishandling Federal currencies any way she feels when she get upset with a customer. This 11 day hold is unreasonable and unprofessional when my checks always is 2-4 days ( at least from XXXXXXXX XXXX of a hold. And strangely this teller withheld my funds doing such a tragic event in world history that I guess she thought I would be like most and in dire need of money to survive during this pandemic.

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 2021-02-02 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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

Complaint narrative:
On XX/XX/2021, I sent letters about inaccurate reporting of false items on my credit report. I have not received a response from them yet. I feel like I'm being ignored by them of my disputes. This are deceptive practices by the bureaus.

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