vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
i disputed XXXX modify i signed on XX/XX/XXXX after XX/XX/XXXX call to say approved for XXXX i was not aware of maturity date ext XXXX but i signed so had to accept until i found loan was never executed i was denied XXXX  on letter dated XX/XX/XXXX at same time i was into agreed mod denial never disclosed i researched gave chase proof with doc XXXX but XXXX they never admit i was denied XX/XX/XXXX and i had 30days to call and choose other option chase cllaim they furthur review gave me standard mod in XXXX but in past XXXX XXXX will type standard next to loan modify XXXX XX/XX/XXXX modification was not executed recorded notorized because it was denied i have pkg from chase showing only ny signature alone with page 6 compliance letter since they forgot to sign but in XXXX they fix it with countersign i have to two set of doc to prove deceptive practice in XXXX i was reviewed for XXXX  hamp modification offering to lower my payment but chase gave me a inhouse standalone that i can prove i did not qualify for they gave partial claim and hamp modification accepted incentive from hud when loan doc were materially false i can prove the math for my XXXX mod will show i did not qualify chase was noncompliance with hamp rules i wish you would research again you cant deny the document i presented

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VI

Complaint narrative:
There are 9 hard inquiries on my credit report that is reporting negative and inaccurate information and I have disputed the information with the credit bureaus several times and they have said that the information has been verified. One credit bureau had deleted all of these hard inquires because the creditors could not provide verifiable proof or documentation that these hardinquires belongs on my credit report. So, if all information reported to each bureau should be uniformed and consistent, I dont see how each of you can be reporting something entirely different on the same issues. I am now asking you to provide me the documentation of how your credit bureau verified these hard inquiries on my credit report. If you can not provide these documentation you must delete these items from my credit report immediately. I expect your credit reporting bureau to follow the law that speak to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX is reporting as unverified, unvalidated account on my Equifax credit report. 

Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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 2020-11-08 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank Delaware is reporting as unverified, unvalidated account on my XX/XX/XXXX credit report. 

Please see attached documentation.

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 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unverified account from XXXX XX/XX/XXXX 

Please see attached documentation.

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 2020-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
According to original creditors, XXXX XX/XX/XXXX ( XX/XX/XXXX ) XXXX, I held an account ending in XXXX. The amount claimed was {$3000.00}, with XXXX of interest fees from XX/XX/XXXX to XX/XX/XXXX. On or before XXXX, Kirschenbaum alleges that a judgment was rendered in favor of the plaintiff and against XXXX XXXX. My legal name has never been " XXXX, '' and in XXXX, I did not live at XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX. I moved out on XX/XX/XXXX. The judgment was unfair and based on someone using, misusing, and stealing my identity. I have raised the argument with several creditors, and the mental anguish of this ordeal has caused me to return to seek XX/XX/XXXX It has also caused new medical XX/XX/XXXX. A recent XXXX has proven abnormalities in the XXXX. I did not have any affiliations with this creditor or bank. I never used this card, and I was never served with papers. My name is not XXXX, and this was never my birth certificate, social security card, or State ID. There has never been a name change either. My original name has always been the same, and my last name changed due to marriage on XX/XX/XXXX. This has been occurring for years and has impacted me in many ways in my life. I have received several disturbing calls and threats from many debt collecting firms. XXXX XXXX XXXX was a firm that relished in the judgment and stated, " We can harass you for 20 years, and there is nothing you can do about it. '' I refuse to allow this abuse to take place, and the damages are unimaginable. I live battling XXXX and XX/XX/XXXX I am now back to mental health. Thank you, XXXXXX/XX/XXXX and Kirchenbaum & Phillips, PC. If your goal is to harass a XXXX minority under the pretense that she is the holder of the account, then you have accomplished your goal. I will seek legal help if this is not resolved. I am also going to take this to court because it is an unjust judgment and unfair action. I have been called " XX/XX/XXXX, '' " XXXX, '' and other humiliating phrases from debt collectors. To get my information, the debt collectors state, " Enclosed herewith you will find copies of documentation, representing verification of the above-referenced debt ... attached you will find an Affidavit for Fraud for your completion. '' After this ordeal, I am refusing to give them any vital and personal information. I am uncertain of their motives and reason for requesting this information. The debt collector refused to validate the debt and did not send documents with proof of my signature and so forth. They have violated the FDCPA, I have been to mental health from XXXX to XXXX several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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 2020-11-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1.XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I paid rent for my final months of living here at XXXX XXXX XXXX XXXX XXXX in XXXX. I mad one payment for XX/XX/2020 and one for XX/XX/2020 to my landlord XXXX XXXX from Zelle through the XX/XX/XXXX XXXX XXXX. Mr. XXXX is very difficult to get a hold of when it comes to things where it is non beneficial to him in any way. He is also very unreasonable and he told me my lease ends in XXXX on the XXXX. That means I paid XXXX rent for no reason and without my cash I will not be able to find a new dwelling because my rent money is now gone. 

This puts me in danger of Homelessness during covid19 with my XXXX condition it can even mean death for me on top of the homeless situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/2020 Regional Finance opened an account with someone who stole my information. This company did not verify the driver license number with an actual id. They just let them write down the driver license number and did not verify any other information when opening this account. The information was already on the pre approved information letter that they mailed out. So this personal information was given to the person who stole my information and used it to open an account. I have disputed the information with the company who has told me sorry there is nothing they can do even though I have showed them my id and showed it was not even the address that they mailed the information to or anything else matching, like phone or email. No other information was provided to this company to verify the identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I first wrote to Experian regarding items on my credit ( see attached certified receipts attached and proof of writing ). On XX/XX/2020, 3 different dispute results were mailed but nothing was completed as Experian stated. The only thing the results showed was 1 pending result, but no completion or proof to verify the accounts are mine as requested. On XX/XX/2020, Experian sent another dispute result but again, nothing was completed. All it showed was a pending transaction with no completion or proof to verify the accounts are mine as requested. On XX/XX/2020, Experian sent dispute results stating the dispute was completed but it wasn't, all it stated was 1 account being updated. 

On XX/XX/2020, Experian sent a letter stating the dispute was completed, which again it wasn't, the only thing it stated was 1 account remaining and 4 other accounts pending, so again, no dispute completed or information proving the accounts are mine. On XX/XX/2020, Experian sent 2 more dispute results stating the dispute was completed but again, it wasn't complete. The only thing it stated was accounts being updated and 1 account deleted after I asked Experian to verify the accounts were mine, in which they failed to do. 

On XX/XX/2020 ( dated XX/XX/2020 ), I mailed a method of verification letter asking to again ( because it was after 30 days ), to show me verifiable proof with my signature on it in which they failed to do and to send me a descriptive procedure of the method used to verify accounts and to delete the accounts if they couldn't verify it was mine in which they failed to do so ( see proof of letter and Express mail receipt with signature showing letter was received ). Still, Experian failed to provide adequate proof verifying the accounts belong to me other than sending a updated credit report. Experian has also failed to respond in 30 days with a completed and thorough investigation upon request. On XX/XX/2020, I wrote Experian demanding to see verifiable proof with the original contract because I have not yet seen proof of any of the requested information I initially asked for XX/XX/2020 which is very unprofessional ( see attached ). 

Experian sent a final letter stating they will no longer reinvestigate my information, but Experian has not only failed to respond TO ALL the disputed items within 30 days, but also failed to respond verifying the accounts belong to me as requested.

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 2020-11-08 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: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Upon Reviewing my report with XXXX XXXX XXXX XXXX XX/XX/XXXX I saw that BMO Harris bank has reported negatively about my banking history. It states I am being reported for non-sufficient funds ( NSF ) activity. Reported date XX/XX/2020 with charge off amount being {$730.00}. Called customer service 3 times and got absolutely nowhere. 1st time calling on XX/XX/2020 customer service rep said he couldnt help me but that he could & would send an email to that department requesting that Id like a call back promptly to discuss this. No call. 2nd time calling on XX/XX/2020 I told customer service I needed a phone number to whomever had the authority to discuss & fix this. After waiting 45 mins Customer service rep said she couldnt find a direct phone number but she would contact her supervisor and email me the contact info. No email. Lastly the 3rd time calling on XX/XX/2020 customer service rep said oh sure let me transfer you then dial tone! Disconnected. Im very upset because these fees/charges for {$730.00} escalated from fraudulent charges that resulted in overdrawing my account which resulted in overdraft fees and so on! I was told back when these fraudulent charges happened that I wouldnt be responsible for any of these charges or fees!

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 2020-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I paid rent for my final months of living here at XXXX XXXX XXXX XXXX XXXX in XXXX. I mad one payment for XX/XX/2020 and one for XX/XX/2020 to my landlord XXXX XXXX from XXXX through the Bank of America. Mr. XXXX is very difficult to get a hold of when it comes to things where it is non beneficial to him in any way. He is also very unreasonable and he told me my lease ends in XXXX on the XXXX. That means I paid XXXX rent for no reason and without my cash I will not be able to find a new dwelling because my rent money is now gone. 

I was told nothing can be done. It is unacceptable for XXXX to acccept that payment and feel it is done with ill will and is fraudulent since there was never any intention on having me stay through the month of XXXX which i paid with good intent and was taken advantage of. 

This puts me in danger of Homelessness during covid19 with my XXXX condition it can even mean death for me on top of the homeless situation.

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 2020-11-08 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: CA

Complaint narrative:
I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by Equifax. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the XXXX XXXX of XXXX XXXX XXXX XXXX.i

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by XXXX. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the Chex System of XXXX XXXX XXXX XXXX.i

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 2020-11-08 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a fraud alert on my credit card. I noticed the card was used and I didnt make the purchase and did not authorize the purchase. Capital One said they would freeze the card and do an investigation. A week later they concluded there was insufficient evidence of fraud and that I or am authorized party may have benefited from the transaction. I do not have an authorized person on the card and I was home at the time of the transaction, I had the card in my wallet 20 miles away.

Company response to consumer: Closed with non-monetary relief