vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery is trying to collect a debt account number XXXX, that i have no knowledge of, and that i believe is a result of Identity Theft. I sent Portfolio Recovery a debt validation letter asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by Spears vs Brennan, 745 N.E.2nd 862 ; 2001 Ind. App. Lexis 509, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, Coppola vs Arrow Financial Services, 302cv577, 2002 WL 32173704 ( D. Conn., XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. Portfolio Recovery has yet to send me any of the items mentioned. I do not owe this debt. This debt is deficient of physical verifiable validation, and i believe this debt is a result of IDENTITY THEFT. They are reporting this debt to all three credit bureaus which is hurting my reputation. If Portfolio Recovery does not have this collection account removed from my all three of my credit reports i will file litigation against Portfolio Recovery for violation of the FDCPA, and seek monetary damages, file compliant with the Attorney General of my state, and file compliant with the XXXX. This is the last chance i'm giving Portfolio Recovery before i take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, 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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
It is well known that Capital One Bank had a major cyber incident on XX/XX/2021 where SSNs were stolen. Since then I have attempted to turn on 2 factor authentication so that I can receive a text message with a one time passcode upon every logon. Unfortunately, there are no settings on my account for this. In talking to support I have been told that it is setup and there's nothing further that can be done. This is completely unsecure and needs to be resolved. This is the only financial institution that does not have 2 factor auth working correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX of this year, I received an email from Capital One saying that my account has been restricted and to call the number provided to sort it out. I have called the number provided multiple times between then and now and each time they said that the investigator working on my case is still working on it. It has been 3 months and multiple escalations has been initiated but still no resolution has been made. I have since opened up an account with another bank so that I could still receive my direct deposits and pay off my bills. I am just extremely extremely extremely frustrated with the seemingly lack of initiative with the investigator. 3 months is an extremely long time to not have access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: DISCOVER BANK
State: FL

Complaint narrative:
My name is XXXX XXXX, taking care of estate for XXXX XXXX who died XXXX. 
He spent most of the summer in hospital. While in his cleaning lady stole a check and forged a $ XXXXcheck. She wouldn ; t pay it back so he filed fraud charges against her with XXXX county police. He ended back in hospital and 3 guns and a {$1400.00} genterator were stole, which he reported. 
Ok so after he died I went down there to settle thing, His household had been totally stolen. His mail bix was stolen so there was no mail. I find out his wallet and credit cards are also stolen. 
There were hundreds of charges on his discovery card. There were two cards. Discover said the one was fraud. Then I find out that there was another. Which now they claim is not fraud. I asked them to check the other card and they refused, saying its in a different department and they don't trade information. 
I charge they are playing a game. 
XXXX lived by himself, very independent. This last summer he got his meals from XXXX XXXX XXXX. The fire dept was there over 10 times last summer to get him up, It got so bad they just took him to the hospital. He didn't have a car, but credit card records show a bunch of gas purchases, some 3 times a day. there were hundreds of cash advances while he was in the hospital.

XXXX XXXX had a bunch of charges of over XXXX that they wrote off saying they were fraud. But discover is fighting it. Other than getting the attorney on it, I don't knw what else to do. 
XXXX XXXX lived atXXXX XXXX XXXX XXXX, flXXXX He lived on social security, and small pension. He paid his bills every month Discover # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX

Complaint narrative:
Greetings, I have a VA loan on our home & property. We have refinanced twice before. As a result of Covid 19 & other issues, the rates went down again. We wanted to reinance for a lower rate. Nearing the end of the process, the mortgage company advised us that there was a title issue. I told them that this was a VA loan from the beginning. The first title company was with XXXX XXXX, now this the mortgage company, Sun West is using XXXX XXXX XXXX company.The mortgage company that XXXX XXXX XXXX had found issues with the title & would not complete the refinance, I contacted a manager with XXXX XXXX XXXX & he advised, after checking into it that there was no issue that he could find. I then contacted the XXXX XXXX tax office & they advised that the property was confirmed to be in our name and found no issues. I contacted Sun West Mortgage Co. again & told them what I learned. Sun West did not have a good reply & noted my complaint & said that they would investigate. this is what they replied to me : Here are a list of the issues title has brought up to us : XXXX XXXX XXXX is deceased. XXXX XXXX XXXX 's Will has been admitted to probate under Case or Docket Number XXXX in the Probate Court XXXX of XXXX XXXX, Texas. Company requires : a ) A copy of the Will and either : i ) Muniment of Title and/or any other orders affecting title to the subject property. 

b ) Satisfactory evidence, in accordance with Procedural Rule P-11 ( b ) ( 9 ), that state inheritance and federal estate taxes are paid, or will be paid. 



Upon review, Company reserves the right to make additional requirements and/or exceptions. 



We have been informed that this transaction involves an existing Manufactured Housing Unit to be conveyed with the real property. As a result, the following requirements apply : 1. Seller must obtain, in their own name, a Statement of Ownership and Location having designated the subject Manufactured Housing Unit as real property prior to closing the transaction.

2. The real property status must be perfected by filing a certified copy of the Statement of Ownership and Location in the real property records in Nueces County. A copy of the filed instrument must be returned to the Texas Department of Housing and Community Affairs.

3. Copies of the recorded Statement of Ownership and Location must be sent to the tax assessor-collector for the property. The Manufactured Housing Unit must be removed from the personal property tax roll and added to the real property tax roll as an improvement to the land.

I can't beleive there is an issue & I beleive that Sun West is not treating us fairly or professionaly. Please advise if this is something you guys can help with or directme to someone who can. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have previously submitted disputes to all three credit bureaus in regards to inaccurate account information. The main issue is that the scores provided by XXXX XXXX from the credit bureaus do not match the scores that are provided to the lender. Examples : 1. Two years ago, I traded in my vehicle. XXXX XXXX listed my scores in the range of XXXX to XXXX. The lender 's letter stated my score was under XXXX. Of course higher interest rate. 2. I applied for a mortgage a few months ago. XXXX XXXX reports my score as XXXX. The lender states that my score needs to be at least XXXX to qualify for a mortgage. The lender declines my application because of score ; under XXXX. 3. My current scores per XXXX XXXX are XXXX and XXXX. Approved for credit with 30 % APR with score of XXXX per lender 's letter. I do not understand how this is right.

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 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have secured a loan through PNC Mortgage. Property Mortgage Insurance was added to my loan when original down-payment was to be 10 %. PMI was supposed to be removed when I changed that to 20 % : it wasn't. I was encouraged to add a little more to the down payment to trigger the removal of PMI : it didn't. Despite numerous attempts to have it removed and despite talking with 5 different people over the past three weeks, I just received the updated document with PMI still included ( my closing is in 5 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I set up an AutoPay for my mortgage with Loan Depot through my XXXX XXXX XXXXXXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. Loan Depot did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

Loan Depot sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called Loan Depot customer service and spoke to XXXX, ID XXXX. He informed me that Loan Depot did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why Loan Depot did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXX XXXXXXXX make two payments for XXXX and XXXXXXXX XXXX mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX XXXX XXXX, Idaho. They informed me that my credit scores have dropped over a 100 points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXXXXXX XXXX for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to Loan Depot Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
PHOENIX FINANCIAL SERVICES has never sent me anything in reference to these accounts. I believe these accounts are reporting in error. They seem to be duplicate reporting, and I understand that is something this company is extremely well known for. I demand justice! Phoenix can not report the same account with the same balance twice! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My loan is under a modification agreement which has not been honored by SPS, Inc.

Based on the Home Affordable Modificationn Agreement, ( HAM ), signed XX/XX/XXXX, the Unpaid Principal Balance was {$230000.00} and {$120000.00} of that balance was to be deferred ( DPB ). The DPB was to be forgiven in 3 forgiveness installments ; 1st forgiveness, XXXX, XXXX ; 2nd forgiveness, XXXX, XXXX and the 3rd and final on XXXX, XXXX. The forgiveness was set at {$42000.00} per installment. All payments, as required, were made in a timely manner and in full compliance. The DPB should have been cleared ; completely forgiven XXXX, XXXX. 

XXXXXXXX XXXX XXXX XXXX ( prior servicer for XXXX XXXX XXXX ) processed the 1st DPB on XX/XX/XXXX, reducing the DPB to {$85000.00}. SPS transaction records show that with the transfer to SPS in XX/XX/XXXX, there were 4 payments provided and XXXX, XXXX, 4 more payments provided. These payments satisfied the requirements for the 2nd forgiveness! Additionally, {$4400.00} and {$1500.00} was posted XXXX and XX/XX/XXXX, which paid the account through XX/XX/XXXX when the 3rd and final forgiveness should have posted. Only the principal balance should have been remaining! Transaction records provided by SPS prove this, yet SPS will not post the 2nd and 3rd forgiveness that is due. The payments were received as transfers to SPS from the prior servicing carrier. SPS actually issued the DPB forgiveness XX/XX/XXXX ; {$85000.00} and then reversed the transaction. When questioned about it, SPS would never provide a reason for the reversal! All terms of the HAM were complied with, all payments made. The change of servicing carriers is not a reason to not honor the terms of the HAM nor process the forgiveness as stipulated in the HAM. 
Numerous inquiries, calls and letters have been sent to SPS to honor the terms of the HAM and forgiveness. Records, charts, graphs-all complied from transaction records provided by SPS have been presented to them and I receive no answers. SPS choses to not address the forgiveness ; instead they continually offer a modification agreement for signature-which they have acknowledged through their legal department, would make the forgiveness terms of my original HAM null and void. This lack of action on the part of SPS, is at the least unethical and certainly justification for a thorough investigation of their practices in handling home loans! Documentation of all payments, charts and graphs and other information sent to SPS with my continued inquiries, is all attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: KS

Complaint narrative:
I have sent numerous letters to XXXX, Experian, and XXXX regrading a fraudulent XXXX XXXX XXXX account on my credit report. Account number XXXX ... This is not my account this is a result of Identity Theft. I sent all three credit reporting agencies, and the furnisher XXXX my FTC report, report # XXXX. 
XXXX, Experian, and XXXX are all in violation of the Fair and Accurate Credit Transaction Act ( FACT ) which E-Oscar guidelines state, " If a consumer submits an Identity Theft report to a furnisher and states that information maintained by the furnisher resulted from identity theft, the furnisher may not provide the information to any bureau, unless the furnisher is informed by the consumer that the information is correct ''. XXXX, Experian, and XXXX continues to report this account which is hurting my reputation to attain more credit. They keep saying the account is " verified '' as accurate without sending me information of how the account was verified : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. i asked for The names and business addresses of each individual with whom they verified the information with above, so that I may follow up.The date they contacted the individual funishers of information.The method of communication they used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against XXXX, XXXX, and Experian. I have sent 3 previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

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 2021-05-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My first letter to Equifax, XXXX, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: IL

Complaint narrative:
XX/XX/2021 - Ordered two identical bathroom exhaust fan/lights from XXXX for a total of {$240.00} XX/XX/2021 - One of the two fan/lights was delivered by XXXX XXXXXXXX XXXX 3rd party carrier, XXXX Item was left on front door step. Went to carrier 's web site to seek info on delivery. No signature was requested by the carrier to document delivery, nor was a photo taken as proof of delivery XXXX POD ). 

XX/XX/2021 - Called customer service number for XXXX XXXX online sales to seek either credit for or replacement of the undelivered fan. XXXX XXXX customer service told me that carrier indicated that both items were delivered. I requested POD which was declined, as was credit or replacement for the missing fan. XXXX XXXX customer service told me to dispute the charge with my credit card company, Capital One. 

XX/XX/2021 - Called Capital One customer service to dispute the charge for the undelivered item. Assigned XXXX XXXX : XXXX. Was told forms would be sent by US Mail to document the dispute. Forms were NOT sent by postal mail, rather they were posted to my Capital One online portal as documents and were thus overlooked for over 2 weeks. 

XX/XX/2021 - Completed forms requested by Capital One to document the dispute and faxed them to the number designated by Capital One, seeking credit of {$120.00} for the undelivered fan/light. 

XX/XX/2021 - Received response from Capital One denying my dispute, stating that they had received " notification that goods were as described and received in good condition. '' XX/XX/2021 - Prepared and submitted to Capital One via facsimile a detailed rebuttal of the XXXX XXXX contention that goods were " received in good condition '' and requested either signature or photographic proof of delivery of both items purchased and that the credit in the amount of {$120.00} for the fan/light not delivered be restored to my Capital One account. 

XX/XX/2021 - Received notice from Capital One that my response " lacks all of the previously requested information needed to validate '' the dispute and denied my claim. Capital One instructed me to work with XXXX XXXX to resolve the dispute.

Company response to consumer: Closed with monetary relief