vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Around the summer time of 2019 I started getting letters in the mail from Portfolio Recovery Associates LLC stating that I owe {$470.00}. The seller of the account was XXXX XXXX, the Merchant is XXXX, original creditor is XXXX XXXX XXXX. In short, it is XXXX XXXX saying that I owe this money which Portfolio Recovery Associates LLC took over the account. The address on these bills are from a city and state in which I have never lived in, so I know for a fact these bills do not belong to me. This false address that is not mine has also popped up on my background check as well. I have disputed this account with Portfolio Recovery Associates LLC and they keep sending me letters. The first couple of letters kept saying that they investigated and found out that the bill was mine, but they refuse to provide any proof that the bill is mine. I have disputed this 5 times and nothing has gotten done about it. I also contacted XXXX and they also confirmed I had no ties to that bill. I have a XXXX account, but not XXXX XXXX. Those are two different things. This is also on my credit report and has brought my credit report down. I need this removed from my credit report as soon as possible. Any help would be appreciated. Thanks and God bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. I received notice from Portfolio Recovery Associates LLC dated XX/XX/XXXX regarding the disputed account confirming they were reporting correct data and attached a monthly billing statement for the account from the year XXXX. The monthly billing statement ( s ) also list an address that I have never been associated with. On XX/XX/XXXX PRA responded to my CFPB complaint stating that they are once again reporting correct information. This account was NOT opened by me and was opened without my consent. There response has not resolved the matter nor does it address the fact that they are reporting a fraudulent account. Furthermore the items remain on my credit still reporting negative. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. REF # XXXX / ACCT # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: MD

Complaint narrative:
Good evening, Im having trouble with Experian complying with FCRA rules, I have submitted several complaints, the issue at hand involves a Public Record that should be removed, Experian has agreed that the Public Record was reporting a incorrect address and that address was removed, therefore, Im asking Experian to please remove the Public Record that was reflecting a incorrect address, in a previous response, Experian stated that the information has been removed, after contacting Experian I found that to be false information, Im seeking to resolve this immediately, thank you

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 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
I called the debt collector trying to find a way settle this debt. With multiple phone calls they don't care about you and threaten you in many ways. I am not a lawyer and don't understand a lot of what they say, I asked them to speak to me in language I can better understand. They then threaten foreclose on my property, which I don't have, I rent and live pay check to pay check. In face the company I work for has recently closed and we don't even have a Job at the moment. Then they said that they will impound my car and take more of my property. Its very scary and I don't know how to deal with this situation. They wont listen to me or care about anything I want to say. They are very rude and do everything to scare you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I called my bank today in hopes to reverse the XXXX payment I made to someone who claimed to be someone theyre not and claimed they help with students and finances. They sent me fraudulent checks that have now been bounced, but had me as a middle man to send money to others. I sent {$500.00} of my own money to a XXXX XXXX XXXX at XXXX and the phone number of ( XXXX ) XXXX I was first met with a very rude person whom I do not know the name of who said they can do nothing, later a very nice woman told me the same thing, but including that each bounced check will cost me {$12.00} each and I deposited two fraudulent checks. There must be more that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: WA

Complaint narrative:
XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified XXXX of his death and subsequently provided it with the documents issued by the XXXX. XXXX assigned it to Ascension Point Recovery Services ( ARS ). ARS advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of Mr. XXXX ' death. I asked and their representative could not tell about repayment deadlines. ARS 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to XXXX : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called Ascension & asked for a balance. Their Representative said the account was returned to XXXX in XX/XX/XXXX & gave me a phone number to XXXX XXXX XXXX. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called XXXX & spoke to Representative # XXXX and asked how XXXX got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of XXXX in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from XXXX dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NJ

Complaint narrative:
THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX DATE : XX/XX/2019

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 2021-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Indicated there was suspected fraud of {$35.00} to a family member of mines. I am the party who initiated the XXXX payment back in XX/XX/2020 and just now received a call from Navy Federal that my XXXX  was disabled. 

I have repeatedly tried to resolve with Navy Federal and XXXX but so far have gotten nowhere. 

There is proven messages this family card was stolen and she gave them a break down of what charges she knew were valid including mines. 

Navy Federal or XXXX has tried to assist in this matter. All they keep telling me is there is no Appeals process. 

Please can someone help a consumer because this bank and XXXX is not helping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America revoked my credit card without any explanation and deny to issue new credit card. I have been Bank of America customer for 21 years and always used their cards and services without any late payment or mis use of their services and have credit score of above 840. Their customer service is not knowledgeable and able to resolve the issue after one year of calling back and forth.

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 2021-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SD

Complaint narrative:
My mortgage was transferred from XXXX  XXXX  to Mr. Cooper with my XX/XX/XXXX payment being the first one with Mr. Cooper. My homeowner 's insurance was due on XX/XX/XXXX and was escrowed. I received notification on XX/XX/2021 that my insurance was not paid and was in the process of being canceled. I called Mr. Cooper and spoke with XXXX at extension XXXX and it was confirmed they did not pay my insurance - so I called and made it myself ( over {$2000.00} ). I told Mr. Cooper I wanted to cancel my escrow account because I don't have money to pay them for my insurance and pay my insurance on my own. They advised I was not able to cancel it at this time as they have not been servicing it long enough and also did not offer to reimbursement my insurance to me. They stated I should have known the loan was being transferred ( I did receive paperwork ) and stated it was my responsibility to call my insurance agent and get everything updated with them. They also stated they did not have it noted it was due. My escrow analysis with XXXX specifically stated they were not paying my insurance and that Mr. Cooper would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I spoke with Pennsylvania Higher Education Assistance Agency ( MyFedLoan ) on XX/XX/XXXX regarding accidental payment of my deceased son 's PLUS loan balances after his death. I asked if those mistaken payments could be applied to other outstanding loans through MyFedLoan. I was told they could not. I asked if I could receive a refund. I was told I could not. 

My son died on XX/XX/XXXX. Total amount of payments made since that date, which paid off the loans in full, was {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NJ

Complaint narrative:
THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX XXXX XXXX XXXX XXXX 
DATE : XX/XX/2019 2019

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 2021-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My social security number and date of birth has has been exposed I do not have a Bank of America account and 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 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
According to the federal law as stated by the FTC, and HJR-192, I am THE ORIGINAL CREDITOR. The following accounts have been disputed and have still been reporting illegally to my credit profile. 

By law!!!! None of these accounts can be Verified by a natural person of these entities. 

It is illegal to report and furnish my information, and is illegal to report deceptive and misleading information. 

***IC SYSTEM***, ***XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectors the law states that third party debt collectors do NOT have the rights to my federally protected consumer information, and they by law can not say I owe any debt. These corperation 's are in several violations by stating they have verified these alleged accounts. This is is false statement, and if not removed immediately..these corporations and the credit reporting agencies reporting these illegal accounts will face civil liability per 15 usc 1692k in the amount of {$1000.00} for ever violation found, to me the consumer as stated by federal law.

This is the last chance to cure as I will seek monetary relief for this harassment. 

**IC System** provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

XXXX XXXX XXXX XXXX XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

**XXXX  XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. 

THESE INQUIERS ARE UNAUTHORIZED **XXXX  XXXX XXXX ( Inquiry from XXXX XXXX ) ** ** XXXX/XXXX XXXX ( Inquiry from XX/XX/2020 ) ** **XXXX/XXXX XXXX  ( Inquiry from XX/XX/2020 ) ** **Coaf ( Inquiry from XX/XX/2020 ) ** XXXX XXXX XXXX ( Inquiry from XX/XX/2020 ) ** **XXXX XXXX ( Inquiry from XX/XX/2020 ) ** The following personal information is incorrect and needs to be removed for proper and accurate correspondence. 

( XXXX XXXX XXXX XXXX, XXXX XXXX md, XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD 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 2021-03-08 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: IL

Complaint narrative:
I am requesting an updated report on my credit file and dispute results from my recent dispute ... 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX CO XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX-XXXX {$1900.00} not mine XXXX XXXX XXXX XXXX-XXXX {$850.00} not mine XXXX XXXX XXXX XXXX-XXXX {$850.00} not mine PUBLIC RECORDS US DIST CT BKPT XXXX not mine US DIST CT BKPT XXXX not mine US DIST CT BKPT XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
declared bankruptzy XX/XX/2019 cace XXXX united states bankruptzy court district of montana. this loan with gm financial was discharged, their is a XXXX balance on the loan, and i am requesting a loan release

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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