vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Pro XXXX a debt I owed for an unpaid rental apartment from 2017 has said they have been trying to contact me, send me letters and I have not received anything. I called to try to settle the debt for half because Im currently in the worse situation ever and need to move immediately. I have XXXX children and need to move forward and they are not making it easy for me at all. I was not able to pay the debt because I lost my job taking care of my mother and now XXXX isnt making it any better. Today I contacted the company and the refused to settle with me or to even let me make payments.

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 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
Ameris Bank states they have paid my property taxes that were due in XX/XX/2020. They have not. The county taxing authority has confirmed this to be the case. I made this information available to Ameris Bank. Ameris Bank has provided no proof that they have paid the property taxes. I have since paid off my mortgage and they are holding {$4000.00} that needs to be refunded to me. I have written multiple requests and made multiple telephone calls to request they resolve this. They have multiple times written me letters stating my requests have been resolved. They have not once addressed my concern regarding the payment of property taxes or provided me with any proof that they have paid this. 
This issue started XX/XX/2020. I paid off this mortgage on XX/XX/2020. I have made multiple complaints in writing and verbally. None of these complaints has been appropriately answered despite the fact that I have asked them to provide written documentation relied upon for them to reach the conclusions that the issues I raised are resolved. I have spoken with several customer service representatives and multiple supervisors who tell me they will have to research the concern each time and then mail me a generic letter stating it is resolved without even addressing the concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: KEYCORP
State: WA

Complaint narrative:
I have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the XXXX information is creating problems with my banking institution XXXX XXXX XXXX XXXX XXXX XXXX. I want justice for frivolous actions that EWS is doing. This been a going on since XXXX of 2020. I have provided them everything include evidence of EWS and Key Bank errors and misreporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
Southwest Recovery Services , Inc. placed an unknown collection account on my credit reports in the XXXX half of XXXX ( first appeared on or around XXXX, XXXX, or XXXX of XXXX ). I do not know what this collection is for and Southwest Recovery Services never contacted me about the debt. The debt is listed with an original creditor, XXXX XXXX XXXX, that I do not know of nor have I done business with ever before. The original creditor did not contact me either. The collection debt was disputed with the 3 credit bureaus to validate the debt. The first dispute occurred in early XXXX. XXXX and XXXX  each removed the collection immediately. XXXX  did not remove the data, and it still appears as a collection on my XXXX Credit Report. The collection was subsequently disputed again with XXXX, and I do not believe they investigated it. This collection is listed with an account number ending in XXXX with an amount due of {$130.00}. This debt/collection is not mine and I was never contacted by the debt collector with any information. It simply appeared on my credit report. Even though the amount is trivial, I want this inaccurate information removed from my credit report. 

This complaint is the first of two complaints about Southwest Recovery Services , Inc. for two accounts showing as " Collections '' on my XXXX credit report. Please note that my complaints are identical in nature. XXXX and XXXX removed both accounts when disputed with those bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is in Continuation of Open Complaint # XXXX against PayPal Meanwhile - while they are taking their time Correcting the Matter, they are sending Threating emails every day so I will add Money to my Account to Correct their Mistakes - otherwise, within the 30-day timeline, they will Ruin my Credit and Perfect Standing with All 3 Credit Bureaus This message is for XXXX XXXX. If you are not the person named, please disregard and delete this message. 



XXXX XXXX Reminder of Action Needed on your account with PayPal Your account with PayPal associated with email address XXXX, has had a negative balance of {$690.00} USD for 14 days. 

If you do not pay the negative balance amount, you may not be able to fully use your PayPal account, and we may continue with efforts to collect the amount. 

Please pay the negative balance amount as soon as possible by following the below steps : Log in to PayPal.com. 
Click the Add Money link to resolve the negative amount. 
You may Add Money to your account with PayPal from : Your bank account Your debit card ( except XXXX XXXX XXXX Your credit card ( except XXXX XXXX or XXXX ) If you have questions or you can not pay the negative balance amount, please contact us at XXXX. We are available Monday through Friday, XXXX XXXX XXXX XXXX. EST and Saturday, XXXX XXXX. XXXX XXXX. EST. 

If you already resolved the negative balance amount, please disregard this message. 

Thank you, PayPal This is an attempt to collect a debt, and any information obtained will be used for that purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, Ally Financial XXXX XXXX XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that Ally Financial " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at Ally could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My XXXX XXXX dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
I am requesting for Equifax to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX  I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, Equifax is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I have received calls from XXXX 2 times today -- XXXX, XXXX. Also on XX/XX/2021 at XXXX & XXXX. I called back and it's apparently from Receivables Performance Management, a debt collection agency, looking for my XXXX year old daughter who doesn't live with me & has a different cell phone #. We've been through this before & it's a scam, claiming she owes XXXX XXXX {$50.00} -- she doesn't. She contacted XXXX when it happened months ago & they said it's a total scam. I googled the # & it pops up as XXXX XXXX scam also. I have reported all of their # 's before ( also XXXX -- they always use the same exchange ) but they're back at it.

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 2021-01-22 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX agreed to adjust my account to reflect on time payment for XX/XX/2020. 

I sent the letter from creditor who stated they are going to update the reporting to experian and they stated that it was not sufficient to make any changes. They also did not provide the results. Their email stated that I could view the results " here '' but there was no hyperlink to view.

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 2021-01-22 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: CITIBANK, N.A.
State: DE

Complaint narrative:
XX/XX/XXXX I was notified by CitiBank that they were lowering my credit limit. This action was taken over two weeks after I had significantly lowered my balance, which had been carried high due to pandemic related impacts and uncertainty. This had the effect of not only eliminating the credit limit space I had opened up with an eye towards improving my utilization score, they cut my limit under the amount of currently approved spending, immediately placing my account over the limit and beginning negative reporting to the three credit bureaus. I attempted over three weeks to contact them and request a delay to their action until the credit bureaus caught up with the payments that had been made in mid XXXX, and at a minimum to stop reporting an over limit negative condition until the review had been completed. The company refused to make any gesture to stopping the credit reputational damage they had caused, and would not agree to revisit or reconsider their decision any sooner than within 60 days. Based on their refusal to consider that acting on a credit report they KNEW, based on the substantial payment they had received the month prior, to have significant inaccuracies, I have chosen to wind down and end my relationship to prevent future bad acts.

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 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
We made a request of XXXX to come out of forbearance on XX/XX/XXXX, XXXX They presented options to us but failed to disclose to us that we would be put into a 3 month trial period and would not be able to refinance for 6 months after a loan modification. If we were told that, we would have immediately rejected it. They also said that bringing the mortgage to current interest rates was XXXX of the tools that could be used in the loan modification. They told us it would take up to 30 days to get contacted. When we did not hear within 30 days, I contacted them. They rushed a package out to me. 
When I got the package, it was completely unacceptable on multiple fronts. We had less than 20 years left on our mortgage and they put us into a 40 year mortgage at the old interest rate instead of a current interest rate and had language about a 3 month trial period which means we can't refinance for XXXX months. 
I called and was told that lowering to current interest rates was NOT something they could have done. I requested a change to a deferment and was told that I would have to wait XXXX XXXX days for an answer on that. 
They are clearly and unscrupulously dragging their feet to keep us from being able to refinance. Their competitor, XXXX XXXX, turns their deferments around THE SAME DAY. That makes sense because a deferment doesnt change the terms, it just adds a balloon at the end of the loan. We got into this because of economic injury and do not need this company keeping us from being able to refinance to lower interest rates. 
Please help us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am requesting for XXXX  to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. Synchrony XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, XXXX is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against 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 non-monetary relief
Consumer complaint received 2021-01-22 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: DISCOVER BANK
State: GA

Complaint narrative:
I am requesting for XXXX to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. Discover Bank 6. XXXX 7. XXXX  XXXX XXXX I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, XXXX is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am requesting for Navy Federal Credit Union to remove and delete these fraudulent credit cards from my XXXX credit report or legal actions will be taken against your company. I have never had any accounts such checking, saving and credit cards with Navy Federal. Someone stole my personal information to obtain these fraudulent accounts in my name. 

1. Navy Federal Credit Union Account ending # XXXX Balance {$5200.00} 2. Navy Federal Credit Union Account Ending # XXXX Balance {$1100.00} I have attached a copy of my police report and FTC report to this correspondence requesting for your company to remove these fraudulent accounts from my XXXX report as well as out of your system database. 

I also included correspondence from XXXX showing where these fraudulent accounts were removed but there were reinserted on my credit report without me being notified within five days based on FCRA. 

Navy Federal has violated my rights. Please honor my request by removing these fraudulent accounts from my XXXX  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 2021-01-22 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: I.C. System, Inc.
State: MS

Complaint narrative:
I.C. System, Inc has reported this account to XXXX as a derogatory action every week since XX/XX/XXXX. The other dates reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I.C. System, Inc is violating the Fair Credit Reporting Act ( FCRA ) of XXXX with unfair credit reporting practices in attempt to lower my credit score on a weekly basis in retaliation for a previous dispute regarding my credit report. 

I.C. System, Inc is well aware that continuously reporting the same debt on a weekly basis is unfair and retaliatory and could affect my credit score, thus affecting my credit worthiness. 

There is no reasonable reason for I.C. System, Inc to report this information every week, on the very same day of the week when there is no change in the amount of the listed debt.

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 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I set up auto pay for my credit card bills with Bank of America in XXXX of XXXX. Since that time Bank of America has not done well to take these automatic payments that they set up. Bank of America has all the information that they need to take my payments out, but they don't take the money out, and then they charge a late fee and interest. I am not late. Bank of America doesn't take out the autopayment that they set up. Two times I have been reimbursed for interest and late fees, because the funds were not taken out by autopay. This should not keep happening, since the idea of autopay is that you don't have to worry about your credit card bill not being paid. In XXXX of XXXX I was worried that the autopay would not go through again, so I called Bank of America to make sure that the payment due in 5 days would be made automatically by the auto pay. When I called Bank of America they refused to answer the question, and this took 5 hours to resolve. The reason why it took 5 hours is because they were refusing to talk to me, stating that they could only speak to my husband who was put primary on the account. I am the one who opened the account not my husband, so I am not sure why he was put primary on the account in the first place. I feel that this is discriminatory towards woman, that the husband would automatically be put as primary, when I was the one who opened the account. I finally received a letter from Bank of America stating that I could have authorization to make decisions on the account that I opened, having been given permission from my husband. The letter was dated XX/XX/XXXX. Then it came the to the end of the payment cycle that was due XX/XX/XXXX and for a third time the autopayment was not made and I was charged a late fee and interest for a total of {$69.00}. This should not keep happening. I am signed up for autopay!

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 monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am a victim of identity theft and I have never had any type of credit cards with Discover Bank. I am requesting for Discover Bank to remove and delete this fraudulent account from my XXXX and XXXX credit report immediately or legal actions will be taken. 

1. Discover Bank Account # : XXXX I have attached correspondence from your company stating for the credit bureaus to delete and remove this fraudulent account from its system. Why is Discover, XXXX and XXXX violating my rights? 

I have attached a copy of my police report, Discover letter as well as a copy of FTC report for Discover Financial Services to remove and delete this fraudulent account from its system as well as my XXXX  and XXXX credit report.

Company response to consumer: Closed with non-monetary relief