vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
My husband and I applied for a loan to build a pool at my property. I have a XXXX credit score and my husband has a 800+ credit score. I have {$80000.00} in the bank, I own a  property with over {$300000.00} in equity and I make {$60000.00} a year W2 income in addition to my social security and my husband 's pension. 

I filled out the application online and was asked to call and verify some information. I called and verified everything and they said they needed to speak to my husband. I was at work, so my husband and I called back later. The girl who spoke to my husband insinuated that she did not believe that we filled out the application on line. She asked my husband " did you fill out the application or did someone help you? '' She was very condescending and it was apparent that she did not believe people of our age ( 80, 81 )  should be borrowing money. 

A few hours later I received a denial letter. The denial stated I had too many late payments. I called Lightstream and asked them to go over with me what the denial was about and I alerted them to the fact that I felt like age discrimination was in play. He said that I had a few late payments on my report and that was the reason. I asked him if they had a policy of how many late payments were acceptable and he said it was case by case. I told him that age discrimination was against the law and he offered to resubmit the application. The next day I received the same denial email. 

I feel very strongly that if my application were compared to any other with a XXXX credit score, there would not have been a denial. I am convinced that Lighstream broke the law and discriminated against my application due to my age.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: GA

Complaint narrative:
I made a payment on XX/XX/2019, and it is still yet to post to my account even though it was withdrawn the next day from my bank account ; however, I continue to receive billing stating my account is overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: CREDIT BUREAU OF NAPA COUNTY, INC.
State: SC

Complaint narrative:
Chase Receivables Inc., is a debt collection agency is reporting to all three of my credit reporting agencies and they should NOT be! They are violating the FDCPA and should be sanctioned and told to remove their tradelines from my credit reports!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Between the dates of XXXX XXXX 2019, and XXXX XXXX 2019, someone other than me tried to open an account with EXXON/CBNA. I received a letter in the mail stating the credit application attempt was denied due to my personal information being incorrect. I did not apply for anything pertaining to EXXON, or CBNA what ever that may be. It has shown up on my credit report as a XXXX inquiry, however it was me. This is a fraudulent application.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
PARAMOUNT RECOVERY IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT! REMOVE ALL NEGATIVE ITEMS ON CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
My company took out a line of credit with Prosper after a general contractor failed to make multiple payments and breached their contract with XXXX XXXX, XXXX. The loan was to cover payroll, taxes and fees associated with that specific project. 
Prosper advertises " Small Business Loans '' so I contacted them to apply under XXXX XXXX, XXXX. We were awarded the line of credit and paid suppliers, employees, taxes and fees. We were eventually paid by the general contractor and owner after filing a mechanic 's lien on the commercial property. 
They weren't getting paid because bill were not being sent to the business. I later learned Prosper used my personal social security number and was making negative reports on my credit report. 
I contacted my attorney and he noticed Prosper advertises " Small Business Loans '' and advised me to contact the credit reporting agencies immediately as all reports should be on the XXXX XXXX issued by the IRS and not my or any partners personal social security numbers. 
Now my credit took a bad hit

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc.
State: MN

Complaint narrative:
For the past two years or so I've repeatedly been called by people about owing money, they usually say I need to call back or that direct action will be taken or I need to call and review my account or they will take some kind of action against me. I dont respond to their voice mails and the times I've answered I hang up when I find out what they are about. They've called from multiple phone numbers. 

I recently received a letter ( by mail ) that provided a name, address and phone number for the company that is behind this. 

This letter is from Assett Recovery Associates, XXXX XXXX XXXX, XXXX XXXX, IL. XXXX. 

It claims I owe them {$12000.00}. It says I have until XX/XX/XXXX to respond ( the same day i received the letter ) or else they will be forced to take whatever action is necessary and that my credit history will be reviewed. It ends by stating " we believe you have an important decision to make at this time. '' I talked with a lawyer who said under no circumstances should I write or call them and I need to file a complaint because the debt they are claiming is out of date by over 20 years and they are threatening my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
several things to report. Many robo Calls to cell phone and landline with many different numbers which I looked up and it is Portfolio Recovery Associates. They have tried to sue me and I entered an intent to defend. I sent this intent to them certified letter and receipt return which I have. I did this on time and now received a letter from their attorney stating I did not enter defense or objections. So states I am in default. The letter they sent is dated XX/XX/2019. It was sent regular mail and they signed for my registered letter to defend on XX/XX/2019. Letter they sent was postage stamped XX/XX/2019 and I received it on XX/XX/2019. It states to respond in 10 days when it was received 9 days after their letter is dated. And again sent regular mail. They received my defense and required documentation to dispute and they are still calling both my cell phone and house phone. I also had a previous collection company send me communication about this debt which I requested verification for this debt with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have requested that this debt be validated by signed copies of the original documentation mailed to my address several times by phone and online disputes as well as on this site. These accounts should be removed due to lack of validation. The account numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
On XX/XX/XXXX, our insurance provider issued a check for repairs to our home following flood damage. This check requires a simple stamp from PennyMac before it can be deposited into our account. We mailed this check, along with supporting documents and faxed copies, to PennyMac in XXXX. PennyMac confirmed receipt on XX/XX/XXXX and claimed to have mailed the stamped check back to us. However, 10 days later, no mail from PennyMac has arrived. We fear that PennyMac lost the check and made an untrue claim about mailing the stamped check back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
No Customer Service provided. Have phone several times to their ( XXXX ) XXXX Customer Relations Department, also to their " Residential Asset Manager '' Ms. XXXX XXXX, phone ( XXXX ) XXXX. 
On both cases left messages and nobody return the calls. 
Have told them that we need to move the due date, because our Social Security monthly payments don't arrive until last week of each month ... ..Deaf ears..!! 
Got the impression that instead of helping their customers, they do want to keep collecting " Past Due Fees ''. 
We are senior citizens. My wife XXXX is XXXX and I'm XXXX years old. 

On another subject, they did send us a letter, dated XXXX XXXX ' 2019, asking us that we need to send them proof of Homeowner 's Insurance. They did provide us with a website : XXXX XXXX XXXX, so that we can up-load our Insurance information, as we did on XXXX XXXX ' 2019, as shown by the reply we did receive from such enterprise saying : " Successful Save '' ... .Your Insurance data was saved. 
Now recently, we did receive another letter dated XXXX ' 2019 telling us that " This is the Second and final notice '' to provide the Proof of Insurance ...!!! 

Also, because of our complaints in writing, we received a letter dated XXXX XXXX, signed by XXXX XXXX at Customer Support Department, telling us that they have tried to contact us several times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
We are close to our phone ALL day long and IF we go out, the phone line is transferred to our cellular phone, so we DOUBT very seriously of their words in writing, as expressed on their letter..!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
This is I think the 7th debt collection agency working for XXXX XXXX. I have never had an account with XXXX and I am constantly being harassed by these people. This letter says they have verified this debt is mine.How is that?? This has been going on for 5 years now. No one has yet to send me a copy of a contract, no copy of my drivers license. I want to sue for harassment. NO ONE HAS SENT ME PROOF OF THIS DEBT AND I AM CONSTANTLY BEING HARASSED. THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX DOBXX/XX/XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I have never used XXXX  and i received a payment collection from Source RM for {$370.00}. 

I called XXXX and there is no active account under my name.I am suspecting this could be a result of my identity theft happened on XX/XX/2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: CA

Complaint narrative:
XXXX 's sent my acct to Collection to Capital Management Services , LP ( XXXX 's sister company ) on XX/XX/19 for a debt of {$310.00} ( including fees charged and interests charged ). 
Regardless the account is canceled by credit grantor, XXXX XXXX is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/19 offering a settlement. According to XXXX-Capital Management Services, LP the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). 
Unfortunately, XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Unfortunately, the amount increases every month and according to the last statement released by XXXX XXXX, the actual debt increased to {$500.00} As a consumer I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by XXXX XXXX and Capital Management Services , LP. resolving this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} CFPB implements and enforces federal consumer financial laws to ensure that all consumers consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I will like to take this out my account I dont owe this money they said it wont be in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, TransUnion, XXXX  ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.

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 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank shared my information without my authorization. When I brought this to their attention I was told they can share information with whomever they believe to be. I was told they do not need to verify any account information prior to sharing information about an account. When I challeged this concept was once hung upon by a " manager ''. when I called back I was unable to relay my concern as a different manager would not communicate with me, stating that everything I had to say was a personal attack. I was unable to present my concern without first making payment. I am gravely concerned Citi bank has shared my information with others and I will not be able to discuss this without having to make a payment. The best I was able to achieve was a possible manager call back in no less than 15 days. This is unacceptable. I need your help to resolve this unauthorized information sharing.

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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
Loancare aquired my loan and from the beginning they said that my aut payments would not change but that was a lie. They cancelled my auto pay without a call or letter, I called them they said my auto pay was voided and now I am behind. So I started sending checks, then XXXX they out of the blue cashed the check as well as took an auto payment that they said they cancelled. I called them and they said they do not see an auto payment, but I have proof from my bank.

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 2019-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY ASSOCIATES LLC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY ASSOCIATES LLC this account was already disputed with another collections agency that in turn sold it to PORTFOLIO, THEN failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES LLCis held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PORTFOLIO RECOVERY ASSOCIATES LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief