vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: TX

Complaint narrative:
Portfolio Recovery Associates has been claiming they have purchased a debt from XXXX XX/XX/XXXX and are attempting to collect it from me, but I don't have a card with XXXXXX/XX/XXXX never have, and can prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My 1098 has not yet been provided to me via the web portal or via mail with Mr. Cooper. It has been 36 hours since I initially contacted Mr. Cooper and I have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XXXX I was solicited to apply for a Home Depot CC offered by Citibank. I applied and was approved for a credit line of {$8000.00}. I made a purchase in the amount of {$68.00} which reflected a discount for my first purchase. 

In late XXXX I began receiving phone calls that my account was past due and realized I never received a statement. Using the prompts on the automated call I attempted to advise customer service that I hadn't received my statement- each time I was transferred offshore and the line was disconnected. 

In XXXX I received a statement which indicated my balance and late fee of {$29.00}. Using the pay by phone feature I paid the the balance of XXXX and phone customer care to discuss the late fee of XXXX. I was told that fee would be waived. I considered the account paid in full with the fee waiver and my payment. 

In XXXX, I received a statement that with a balance of {$62.00} which was for 2 late charges. The first charge was not waived and then I was assessed a second fee. 

I phoned customer care and spoke to someone stateside, after a long discussion she came back and said that both late fees would be waived. My call was recorded and she assured me the balance would be XXXX Today XXXX I received another statement with another late charge and showing the outstanding balance that was to be waived. I again phoned the call center and they told me that they wouldn't waive my fees despite what I was told by the previous agents, because there was no evidence of returned mail. 

I can't speak to what the mail system was doing in XXXX during a pandemic and election, but I know a statement was not received. If the agent in XXXX would have followed through this balance would not be this high. I am now being charged more in fees than my initial purchase. The failure to waive the fees as promised is unfair and an attempt to collect fees. Agents assuring me the balance would be waived is deceptive and now I am being charged another fee. In addition, I am now faced with paying fees I should not pay and am being penalized with a late reporting on 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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a dispute letter disputing that XXXX XXXX XXXX is reporting two different collection accounts that have surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that these accounts will remain on my credit report. Although I disputed both accounts with all three bureaus, under the purview of the same statue of limitation, one or none were removed from my credit report ( s ). 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, MN XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Collection amount : {$7600.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MN XXXX XXXX Original Creditor : XXXX XXXX Collection amount : {$6700.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
My complaint is about i went to XXXX many years ago and they involve to sing a time share,XX/XX/XXXX now i have a problem with my credit i collection evetime said is more and more money. 
Now I have the collection for years i don't want to paid for something the i can used and i never used in my life, they calling me always. 
I spoke with them explain the situation i can not paid that already past 7 years and still my collection is on my credit. 
Im involve and another friend. Were in the same situation.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had 2 collection on my credit report that I paid off simultaneously. One of the collections was removed but the other remained. I spoke to a representative of the debt collection company and they said it should come off after I disputed it. After the dispute they never removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: MoneyLion Inc.
State: NY

Complaint narrative:
The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX  says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX says I have an on time payment. On another, it says I have a 120 day late payment on XXXX but on XXXX and XXXX it says I have on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I recently sent in a qualified written request for the payment history, a notice for request for information in regards to a closing that took place involving a reverse mortgage that my deceased mother took out on XXXX of a property. I sent the mortgage servicer documentation letting them know that only half of the property is encumbered due to fraud. I also ask the servicer to send me a payoff notice for the debt. According to the US postal records my letter was received on XX/XX/2021. 

I have neither received a response within 5 days as required by regulations governing qualified written request for information.

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 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently and have a reasonably large sum money being held by PayPal that they are not allowing me access to. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION HAS VIOLATED THE LAW ALONG WITH XXXXXX/XX/XXXX. I DID NOT GIVE WRITTEN CONSENT TO XXXXXX/XX/XXXXTO PULL MY CREDIT. TRANSUNION IS IN VIOLATION FOR NOT MAKING SURE ALL INFORMATION ON MY REPORT IS XXXX ACCURATE.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
After reviewing my credit profile XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer. Partial verification was received however the documents were incomplete AS EXPENSES ARE NOT SPECIFIC AND ONLY DOCUMENTED AS CLEANING FEES. LATE CHARGES ARE NOT ACCURATE ACCORDING TO LEASE AGREEMENT AND DEPOSIT IS NOT INCLUDED IN THE ITEMIZATION THAT WAS PROVIDED and are contradictory to what is on the lease agreement. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation to include all items that were missing. As of XX/XX/XXXX I still have not received the complete requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There needs to be internal investigation on Navy Federal Credit Union. I had made payment arrangements to pay my bill yet when my pay direct deposit posted to my account they had withdrawn the amount without my authorization when I had personally talked to a agent regarding this and had arrangments in place. This is a very bad banking practice. Secondly they will charge almost three insufficient funds fee for the same transaction. There has to be some sort of oversight on bad banking procedures. The consumer is the victim in these situations. Please advise if there is something that can be done. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
this complaint is in regards to " First National Bank of Omaha '' with whom I have had a Visa card for many years. 

I called them today, XX/XX/2021, at XXXX Pacific Time, and spoke with a representative named XXXX. The length of the call was 8 minutes and 43 seconds. 

The reason I called, was to contest a charge of {$95.00} from an online merchant called XXXX who corresponds using the email address XXXX The order was completed on XX/XX/XXXX and they emailed to say they would update me with tracking codes once the order was shipped. 

I emailed them on XX/XX/XXXX and asked for the shipping codes, they sent me the following codes claiming they are USPS tracking numbers : XXXX XXXX USPS is unable to provide any tracking information using those tracking numbers. 

I contacted them again on XX/XX/XXXX, saying I think they made up those tracking numbers, they replied with links that show the items are in the country now. 

I let them know I do not need them in the country, I need them in my mail box, and they have yet to respond or offer a refund. 

I contacted 1st National Bank of Omaha to contest the charge, and at the beginning of the phone call, the rep asked me to verify my full date of birth and the last 4 digits of my Social Security number, which I did. 

She then stated she COULD NOT HELP ME CONTEST THE CHARGE without her sending a code via text message, to a phone number that I have not had for 10 years. 

When I asked her to then CANCEL MY CREDIT CARD account she was not able to do that either. 

Thank you for your assistance, I would like {$95.00} refund check from 1st National Bank and then I would like that account CANCELLED.

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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a Federally Protected Consumer. I sent Navy Federal Credit Union a debt validation letter for accounts ending in XXXX, XXXX. Navy Federal Credit Union did not follow Federal Law in regards to providing proper validation of the alleged debt. NFCU has been reporting inaccurate information on my consumer report. The Fair Debt collection practices is intended to secure my right to privacy and protect the consumer against abusive and deceptive debt collection practices. This includes NFCU violating The Truth in Lending Act and the Fair Credit Reporting Act. I have mailed documentation to NFCU to rectify this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I pulled my payoff amount from the online portal on XX/XX/XXXX and paid amount show the same day. Through the text chat I was advised it would take about 30 days to process and receive title. Called back the 2nd week in XXXX to check status and was told the payment funds had not been allocated and they would submit request. This process continued weekly until I called on XX/XX/XXXX and was told the same thing but that the account had a credit and I would receive {$320.00} back by check and they again submitted request to allocate funds and to allow 2-3 business days for completion. I called again on Monday XXXX and spent over an hour on the phone to have someone finally get into my account and finalize the account to closed and request title. This phone call I was finally told that I still owed {$350.00} and that I have been charged interest daily since the XX/XX/XXXX payment even though I have called continuously for almost 2 months and no one told me any of the above and got different answers each time. Spoke with " manager '' who had children crying the background who in a nutshell told me I was going to get charged interest and apologized for the wrong information given by " new employees ''. This situation was handled extremely poorly and I was fed incorrect information since XXXX but they are doing nothing as recourse. At conversation on XX/XX/XXXX I was told they would be able to expedite the title for me at least but as of conversation with manager on XX/XX/XXXX that is never possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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:
The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. Equifax says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX  says I have an on time payment. On another, it says I have a 120 day late payment on Equifax but on XXXX and XXXX, it says I have on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Self Financial Inc.
State: NY

Complaint narrative:
The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX says I have an on time payment. On another, it says I have a 120 day late payment on XXXX but on XXXX and XXXX, it says I have on time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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:
XXXX  stipulated in a CFPB response that they were to notify all credit reporting agencies to erase all student loans from my personal credit bureaus. XXXX and XXXX XXXX did fulfill that request. Equifax missed the opportunity, but there is a possibility that XXXX  did not relay the information to Equifax. Is there a possibility that Equifax could complete the task and eliminate my student loans immediately> A quick response back will be greatly appreciated. Thank you. 

XXXX XXXX XXXX RESPONSE COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from XXXX XXXX XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX XXXX XXXX XXXX XXXX Servicing is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX ( XXXX ) performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
I am asking that you simply instantly erase data off of my credit report that isnt mine. I have filed a police report stating that this account is not mine which my character may have been stolen which I have included with this letter. I don't recognize this account and have never caused obligation with this creditor. I don't know where they came from.

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 2021-03-04 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: FL

Complaint narrative:
I am asking that you simply instantly erase data off of my credit report that isnt mine. I have filed a police report stating that this account is not mine which my character may have been stolen which I have included with this letter. I don't recognize this account and have never caused obligation with this creditor. I don't know where they came from.

Company response to consumer: Closed with explanation