vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX Fortiva opened an account in my name which they claim is for new equipment for my XXXX security system. I relocated from XXXX  to XXXX and upon relocation I had XXXX   move my service. The second technician to arrive at my house stated they did not upgrade my equipment and used some equipment from my prior home. I never signed an agreement for this account to be opened to finance my equipment and I did not authorize this account to be opened in my name. If they have a signature it is not mine. This account needs closed and removed from my name immediately. This is fraud and a violation of CFPB consumer credit guidance. This company can not produce my authorization to open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports

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 2020-08-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
When obtaining the loan, it was not clear that I would be paying such a HIGH interest rate nor that I would be paying this loan twice a month. I needed the cash to assist with my father 's unexpected medical expenses. I only borrowed {$3000.00}, which only got a portion of that deposited after fees, and I have paid a total of {$6700.00} so far and have 6 more payments to go. That means I would have paid at least {$8100.00} for this loan. I have been fortunate enough to still have a job and although it is a struggle, I have been making this payment, however I read that the maximum interest that can be charged to consumers in California is 10 %. I am being charged 200 % + here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
I have made several attempts via USPS, for Consumer Collection USA to provide evidence that the account belongs to me. Requested that they show proof of signature or any Contractual obligation to Pay  this company, to wit they have not responded to either letter I have sent. The first letter was sent on XX/XX/20 and was received by receptionist XX/XX/20 at approx. XXXX. The second letter was sent on XX/XX/20 and was received by receptionist on XX/XX/20 at approx. 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 2020-08-26 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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2020 my US Government stimulus check in the amount of {$2900.00} was deposited into the wrong PNC bank account and the issue is still not resolved and its almost been 5 months! I do not even have an account with PNC Bank. The bank told me they couldnt do anything about it and for me to contact the other name on the account and ask if they would return it, but I think that is outrageous. What if they say no they are not returning the money to me? Am I just supposed to hope that everyone believes in the honor system? No way! The bank made the error and they need to fix it, immediately! I will not take time out of my day to make the phone calls that they are being paid to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Awa collection account is inaccurate. The account is my brother account with similar name. However I signed for his bail for initial XXXX payment that's it. According to brother account was settled. I reached out to company asking for verification ... No reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I am writing to complain about my mortgage company. In XXXX we became delinquent owner mortgage.I contacted PHH to find out what they could do to help me. They offered a trial modification loan.The first payment was made without problems ; the second payment was returned by the bank. I contacted PHH but they would not allow me to make another payment. I was told to reapply for trial modification loan but that was denied because only one modification is allowed in 12 months and 12 months payment have to be made on time. How can I make 12 months payment went PHH won't allow me to make even one payment the reason for our delinquency with medical bills. My XXXX card was hacked three times since XXXX. In XXXX my husband 's identity was stolen. It is taken weeks to change banking information, automatic payments etc. I called PHH to try to resolve the problem but was told repeatedly I would have to face foreclosure or I could short sale or deed in lieu. I wrote a letter to PHH requesting to appeal the letter for denial of loan modification. When I called PHH they said I should short sale, deed in lieu or allow foreclosure. This was the only answer they would give me. I spoke to the refinance department but they can not do a cash out refinance mortgage until I make 12 monthly 12 months one time payment which I can't do because they won't allow one.

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 2020-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Hello, I am trying to close my XXXX XXXX Credit card through TD Retail Card Services. 

I did not request this card nor was I informed that my financing option was through a new credit card. One I canceled my purchase from XXXX, I have been unable to reach TD to cancel my card. I can not cancel my account online or via email and have spent over 2 hours on hold on numerous occassions to try and close this account. 

All I want is to close an account I did not want in the first place. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX  XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have an FHA mortgage on a residence that I currently reside in. On XXXX-2020, my mortgage servicer, Loancare, approved me for a 180-day forbearance. Prior to the start of the forbearance, my account was in a delinquent status because the mortgage payment for XX/XX/2020 had not been made. 

On XX/XX/2020 I was able to pay in full, the delinquent payment for XX/XX/2020. At this point, my account was caught up on payments and the only unpaid months were the months covered under the forbearance ( XX/XX/2020 and beyond ). 

On XXXX-2020, I looked at my credit reports for XXXX, XXXX, and XXXX. All three credit reports showed that Loancare is still reporting my account as delinquent even though the only payments that are outstanding are the payments covered under the forbearance. 

I read section 4021 of the CARES act which says : " If the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. '' I conducted further research on the CFPB website and found the following excerpt from an article entitled, " Protecting your credit during the coronavirus pandemic '' : " If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. '' I made contact with a Loancare representative via telephone and explained to him that I believed Loancare was reporting my account incorrectly to the credit bureaus because, under the CARES act, my account had been brought current when I made the delinquent XX/XX/2020 payment. I advised him what I had learned from reading section 4021 of the CARES act and the article on the CFPB website. 

The representative advised me that my account was being reported correctly because if it was delinquent prior to the beginning of the forbearance, they were able to continue reporting the account as delinquent even after I had made the past due payment. He also advised me that even though the past due payment had been made, the account could still be reported as delinquent because the payment months covered under the forbearance are technically late. 

I advised him that I believed that the CARES was not being interpreted correctly and he ensured me that it was. 

My research leads me to the conclusion that payments that are not made while actively in forbearance should not be reported to the credit bureau as late under Section 4021 of the CARES act.

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 2020-08-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX made a 6 month verbal agreement with me during a difficult financial period I was going through. To catch up or continue to stay in good standing with the company I was told to make payment of {$660.00} per month for 6 months back in - I believe XX/XX/2019. After adhering to the verbal agreement, I was to go back to making regular payments of {$550.00} / month. After about 3 months I started receiving notices to repossess my car and they had reportEd me being late on my credit report. After I contacted XXXX XXXX, they denied ever making the agreement. They tried to say I was talking with an employee that didnt know what she was doing. This is unacceptable and I should not have to suffer consequences because of an agreement made by your company. I continued to receive notices that my car would be repossessed and they reported to credit agencies that I was delinquent. I continue to make my payments on time and even caught up that extra payment. It is still reflecting on my credit report. They have caused me to have loans denied when I am able financially, I plan to pursue this legally. Please intervene so that my credit report gets corrected and so that no one else has to go through this. They have also been mean and disrespectful with me over the phone. This is no way to conduct business!!!

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I parked in a paid parking on in downtown XXXX on XX/XX/2019. I paid the parking fee and put my receipt on my dashboard. Several weeks later I received a " Notice of Violation '' from the parking lot owner. I mailed them a letter letting them know that I paid the fee at the time of parking, and included the original receipt I received when I paid the parking fee in question. I received no response. Then in XXXX of 2019, I received a collection letter from a law firm claiming to be the debt collector for the parking lot owner and attempting to collect the original parking fee plus a large penalty. I sent a letter on XX/XX/2019 again explaining that the original parking fee was in fact paid. Since I had sent the original parking receipt to the parking lot owner following the first notice, I included with this letter my credit card statement showing again that the original parking fee had in fact been paid. I received no response. This week I received yet another notice from the law firm trying to collect this parking fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2020, Transunion signed for a letter regarding a dispute with XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  The letter was signed by XXXX XXXXXXXX On XX/XX/XXXX Transunion signed for a letter regarding a dispute with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX The letter was signed by XXXX. XXXX XXXX at XXXX XXXX called Transunion to inquire about these. 2 items. I was sent to 3 different agents who informed me they have no record of these letters, and therefore no record of the dispute. They refused to remove the items from the report despite proof. and signatures. 

I provide them both with legitimate Tracking numbers. Yet they say they can not respind for at least another week. This is unacceptable., Regardless of whether Transunion has a record of either of these letters, they are now in breach of the process.. Both of these are over 30 days old, and they have identified that they have no record of receiving these letters. 

According the FCRA - I am requesting that these be removed immediately from my credit report. 

Also the fine for these items not removed is {$1000.00} for each offense FCRA Part ( A ) ( 5 ) ( B ) ( ii )  The Transunion representative said that they are not responsible for removing these items, However,, under FCRA Part ( A ) ( 5 ) ( B ) ( ii ) their process is not my problem, I have the signatures on the letters - they are now in breach of their responsibility for both of these items. 

In addition, their website is not working properly getting nay kind of status results in an error This has been going on for over 2 months and they have not fixed it.. 

The date started the date of signature these are now older than 30 days.These disputes as of today XX/XX/2020 are 40 and 35 days old respectively.

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