vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 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: CA

Complaint narrative:
It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX  which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX. 
This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not. 
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Access Credit Management, Inc.
State: AR

Complaint narrative:
After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX # XXXX 4. Access  Credit Management # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX XXXX XXXX  It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Access Credit Management has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Access Credit Management continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.

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 2020-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: WI

Complaint narrative:
We are working with XXXX XXXX t refinance, and have gone through the closing process all ready ( XX/XX/XXXX ). We have turned in lots of paperwork as to the temporary hold on my wife 's job, the employer guaranteeing work to resume with no loss of hours or income ( signed statements on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I also qualify for this mortgage simply on my own income. 

Today ( XX/XX/XXXX ) I received this message : We have encountered a crossroads in the way business is being done VS. Should be done. United wholesale Mortgage has issued the following statement about funding your loan : Hi XXXX and XXXX, So management is not allowing loans to fund currently where the borrower is on leave. Things are changing and management is implementing rules for borrowers on leave or deferred compensation. My initial understanding was to treat this as temporary leave but unfortunately, Management overrode my decision to do this and they are not allowing borrowers on leave to move forward with a loan. Again, I apologize for this but things are changing so quickly with borrowers employment so rules are being implemented on the fly. 



Thanks This has put us in an awkward situation because legally they should be funding your loan. We have abided by all their conditional requests ( and then some ) and they still refuse to fund the loan due to an internal rule. We have consulted the real estate attorney that owns XXXX XXXX ( the title company that closed your loan ) and he is in full agreement with us. But unfortunately the only way this company will change its ways is if consumers start complaining. '' I would like to file a formal complaint against United wholesale Mortgage as this is costing me lots of money for something that should not be held up and they simply shouldnt be able to change terms on the fly when we have complied with so many demands that are not normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
On Friday, XX/XX/20, I phoned my mortgage lender due to seeing an option on the CARES Act the president signed about placing my loan in forbearance for 180 days and another 180 days, if needed afterward. I read the Act and researched the fine print. It seems simple-the borrower of an FHA back loan may request up to 180 days ' forbearance and " attest '' to a hardship. The mortgage company must grant this request and require no documentation. However, Primary Residential Mortgage has asked for many details regarding my financial situation and have even told me to wait and call back in a month just to see what happens in the mean time. They are not forthcoming with their terms and even told me to have my husband file for unemployment as a solution. I have put in writing my request and was still informed I must provide a reason and they must " see if this is the appropriate option '' for me. They have made it very difficult and intimidating for me to execute my right to place my account in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I deposited check number XXXX into the ATM at my credit union. The check was credited to my savings account. The check had posted to my checking account on XX/XX/2020. All is well. 

On XX/XX/2020 the same check was posted to my account and credited to an unknown account at XXXX XXXX. 

The check was for {$1500.00}. The people at TCF Bank where my checking account is located said that someone would call me tomorrow or the next day. 

There was a similar issue with a check that I deposited at TCF Bank only 2 months ago. On that debacle they insisted that I deposited the check at the teller and at the ATM. I put a complaint in and it took quite some time before TCF said it was an error and apologized. That complaint that I made was almost {$400.00}. This " error '' leaves me short {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently tried making a purchase through a private individual who offered me to adopt a puppy. Many texts, pictures, videos, and even phone calls were exchanged so this person went above and beyond to make me feel safe and secure. He even told me he was a XXXX and a family man so that he would never ever be able to do something so cruel as to scam me. In order to make a more secure transaction after thinking it was connected to a bank account, we ended up using XXXX as a form of exchanging currency. In order to use XXXX I went ahead and logged on to my mobile banking app and went ahead with the exchange. A couple of hours later and after multiple attempts to reach out to this person, I contacted Wells Fargo to see if this could be cancelled or if anything could be done. I filed a claim, contacted them again the next morning, and after waiting for about 2 hours to be helped Wells Fargo told me there was nothing they could do since it was with a private seller. I offered to provide any type of proof or documentation I had including pictures and screen shots but they said they wouldnt even start an investigation. My XXXX transaction ended up totaling {$500.00} and the other transaction made through XXXX to the same seller was of {$350.00}. XXXX however didnt even provide a customer support option. There was absolutely no way of even speaking to someone who can tell me they would even try. Its extremely heart breaking to see how someone can be so cruel to trick others like this, but its even more heartening to know that a bank Ive been with for almost my entire life wouldnt even help me or provide support with something so unfamiliar and cruel such as this.

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 2020-04-07 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kashia Services
State: CA

Complaint narrative:
XXXX {$670.00} The company said I was approved for $ XXXX.Inbox loans took all my info down and said I had to fill out the agreement which I did.Every time I try to get the loan the loan officer kept saying he needs more info.I gave him all my info he needed and still he won't process the loan.I called them on the XX/XX/20 no answer ; XX/XX/20 no answer ; and today XX/XX/20 ask again, they hung up on me.Only when I said i would report them.I did not receive any money from them.I contacted my bank to make sure they do not take any money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: STATE FARM BANK, FSB
State: TX

Complaint narrative:
On XX/XX/2020, I paid a settlement amount of {$670.00} to XXXX  XXXX XXXX for the debt amount of {$840.00} accrued with State Farm Bank. XXXX  XXXX XXXX told me State Farm Bank is responsible for reporting to the credit bureau. I have filed multiple disputes with XXXX  that have included an attachment of the settled account letter from XXXX  XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020. The account still remains. I have tried getting a hold of the right people with State Farm Bank that can help me. I was always Transferred to someone who could not help me or transferred to XXXX XXXX XXXX  which tells me my account has been settled and it is State Farm Bank who is reporting the information. On XX/XX/2020, I finally got some kind of answer from an employee of State Farm Bank. I was told the paid account would be reflected on the next credit cycle XX/XX/2020 based on information gathered from XX/XX/2020. This account was paid on XX/XX/2020. It should already be on my credit report as paid. Instead the company has continued to report derogatory remarks for the month of XXXX stating that I have a {$160.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander USA reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. Santander sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX XXXX Veteran and this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: CL Holdings LLC
State: AR

Complaint narrative:
After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. Jefferson Capital Systems # XXXX 4. XXXX  XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Jefferson Capital Systems has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Jefferson Capital Systems continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my credit report.

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 2020-04-07 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove  these unknown items from my credit report.

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 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is derogatory information on my Credit Reports that needs to be removed. XXXX placed a {$78.00} amount owed in my credit reports. The Collection Agency hired by XXXX is XXXX XXXX XXXX. I pay all my bills on time and have no debts. 
I paid my final bill to XXXX account number : XXXX on XX/XX/2019 and advised XXXX that there were erroneous charges on my final bill which I do not owe XXXX. I contacted XXXX on XX/XX/2019 to pay my final bill and to advise them of the mistakes on my bill. These are the mistakes on the bill which I corrected in my letter to XXXX. 

I advised them that my XXXX XXXX lease ended on XX/XX/2019. XXXX charged me a Lease Cancel Charge for XXXX XXXX XXXX XXXX in the amount of {$29.00}. Why would XXXX charge me a cancellation charge for a lease that previously ended or expired? I deducted the {$29.00} charge from the bill. 

I returned the three XXXX  XXXX phones to XXXX, in their unopened boxes on XX/XX/2019. XXXX charged me a Total Lease amount due of {$6.00} for each of these telephone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I deducted the {$6.00} charge for each of the three of them for a total amount of {$19.00} from the bill. 

XXXX over charged me {$29.00} for the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX Own it in 1 payment price was {$170.00} and not {$200.00}. I deducted the {$29.00} charge from the bill. 

The total amount that XXXX has overcharged me was {$78.00}. I enclosed my check number XXXX in the amount of {$610.00} which was my final payment to XXXX. I do not owe XXXX any further charges. XXXX then to sent the {$78.00} charges to XXXX XXXX XXXX and neglected to remove the erroneous charges from my bill and put derogatory information in my credit reports. XXXX should remove this derogatory information. Please resolve this on my behalf.

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 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
in response to complaint XXXX-XXXX-my credit SPECIFICALLY gives notice to all agencies to contact me at XXXX-XXXX-XXXX  if inquiry is requested!!! capital one has NOT contacted me to verify that it is me attempting to request inquiry. THEY ARE A LIE!! This is NOT A VALID RESPONSE AND INACCURATE.if they contact me when i request they can verify that it is me and access my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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:
I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX   XXXX {$75.00} XXXX XXXX  XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXXXXXX XXXX {$960.00} XXXX  XXXX {$74000.00} XXXX XXXX {$700.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$3000.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
On XX/XX/2020 continental credit call my parents home number and left a detail information for me to call. Please understand the same day she ( XXXX ) had called my cell phone and left a voicemail I called Continental Credit spoke with XXXX explaining there is no need to call my references when she had a working number for me. She asked does that mean she cant call any of my references. I answered yes. Also I explained u can not leave a voicemail giving details of the debt to my parents

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 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am following up with a claim that I made previously XX/XX/XXXX. I never heard back from Experian. I am still disputing the XXXX XXXX account. 

I received a letter from XXXX XXXX that the debt has been sold to XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX yet Experian is still reporting a past due amount. 

By law this account has to be at XXXX. I am asking that the entire account be deleted. 

I have attached a letter from XXXX XXXX stating that the debt has been sold. 

Experian is still reporting incorrectly. 

I am asking that this debt be removed.

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