vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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: TX

Complaint narrative:
XXXX sold my information and now debt collectors calling to collect a debt the original creditor charged off and received a tax break : FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY payment never late : XXXX XXXX XXXX - Closed 1 late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I was served paper work for a civil lawsuit from Midland Credit Management INC. This was for a closed XXXX XXXX card from back in XXXX. I was paying all my bills and was current on my bills. I quit receiving statements since I had believed the account was paid in full and closed. 

On XX/XX/XXXX when I was served a civil court order to appear in court for a total balance of {$2900.00}, I noticed that the creditor had my incorrect address listed, showing me as living in an apartment not in a home. I live in a house not in an apartment complex. The address they had listed is not my correct address. So I do not know where the mail was going to with the incorrect address they had listed for me. 

I have not received any phone calls or letters in the mail from Midland Credit Management INC, until I was served with a summons to appear in court on XX/XX/XXXX. 

I pay my bills and I do not have issues in my credit. For a company to file a civil law suit and not follow federal law of notification to the consumer and ensure that the consumer has properly received the mail to make payments is not lawful. How can a company file a suit without properly notifying a consumer via certified mail to ensure the consumer receives the mail? The consumer then could respond to the mail if the consumer had received the mail going to the correct address. 

If the creditor never sent out mail to consumer to make the payments, how can this be a consumers problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Please be advised that I am requesting ESCALATION of this file due to the negligenceof GuaranteeRate and XXXX in the way they care for Veterans and their loan. 
This borrower has been in review with the Loss mitigation department for over a year with no response or resolution. We have complied with all the requested documents by the due dates but this isn't being processed in a timely manner on your end. Makingit impossible for resolution and causing the borrower to fall further behind on their mortgage. It is NOT our borrowers fault your team is not equippedto handle the workload. Please review the attached documents that have been previously sent numeroustimes. 
This is no longer a matter of the borrower getting assistance, his health is at jeopardy due to the unnecessarystress caused by GuaranteeRate and XXXX. He has been to the hospital several times due to your carelessness. This is no way to treat a vetera that has fought for our country and is asking for assistance when he needs it the most. I really doubt you would leave a veteran in the streets specially during a worldwide pandemic. 
Since no resolution has been made on this file we have been forced to file a complaint with the US Department of Justice, Consumer Affairs, Veteran affairs and Consumer Financial Protection Bureau. 
Awaiting for your prompt response to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
I am a victim of Identity Theft and this what happened. On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with SYNERGETIC COMMUNICATIONS INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint has held my funds in a suspense account rather than applying to my account, which Ive learned is in violation of Consumer Financial Protection Bureau regulations. I made a good faith payment of {$66000.00} ( wire transfer XX/XX/XXXX ) in an effort to resolve final bill with Ditech/Shellpoint. 
Now my home is set to be scheduled for auction despite me paying the entire principal balance. 
I have been trying to resolve the final bill since late XXXX when my mother passed away and I knew the sale of her home was forthcoming and I would receive some of the proceeds so I could save my home. The bank has attempted to sell my home twice since then. Now the judge ordered my home to be auctioned so I will lose my home and my large sum payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: OK

Complaint narrative:
I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I got a text message from phone number XXXX threatening me with lawsuits etc for debt from American Express. I was victim of identity theft and had informed all these companies of the same. Please see below the text content. 

ATTN : XXXX XXXX, I received an order in my office today to complete the filing of lawsuit towards your American Express Card. You are currently being investigated for the same at this point of time as it's a case of debt evasion. 
I'll be verifying your current address and your employment history. In the meanwhile it's your responsibility and legal right to contact the plaintiff prior to being served by subpoena. 
The best number to reach the plaintiff would be XXXX. 
Failure to comply will result in forfeiture of your right to dispute the matter and a complaint will be filed in your local county.

Kindly consider this as a legal notice and not as a threat or warning.

Regards American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was called on XX/XX/XXXX by a notifier representing XXXX XXXX law firm that paperwork was mailed to me and was calling to confirm paperwork was received by me. I asked them what this was regarding, and the representative said it was for a case represented by the law firm. The representative asked me to verify the address, I refused and I asked the number of the law firm so I could get more information. I then called the law firm on XX/XX/XXXX, they told me that they were a broker representing Chase Bank looking for request for judgment or mediation on a case open against myself. They told me I owed {$1500.00} and if I went to court I would owe {$4100.00} plus lawyer fees. I asked them when was this account from, they told me from XXXX and it went to collections and they gave me the card number. I told them at that time I did not have an account open with Chase Bank and I have had multiple credit check from XXXX until now and that specific account had never shown up on my credit report. They told me that XXXX had to remove it in order to send it to litigation and therefore I would not see it. I told them that I have not received anything in the mail and they then said they could email it to me. I told them I would be waiting for their email and verified mail paperwork before I make any decisions. I now see this is fraud because a lawyer must send paperwork via USPS and not via email if this was a open court case with the county I live in. I also check online via my county website to see if I had open cases against myself and the search came up with no cases against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/2020, I left a XXXX XXXX at an organization, and there was a business credit card with Chase in my name. The organization required that the billing address be set by them, and I did not receive the bills at my home. However, the organization did not make payments on the credit card in XXXX and XXXX, and did not notify me that I had any payments due. In XX/XX/2020, after checking my credit score, I became aware of the issue and found out the payments were 90 days overdue. 

I had not received any bills, the organization had not told me any payments were due, and I had no way of knowing that there was a late payment due. In the 5 previous years of owning this card, there had never been any other late payments, and in my entire credit history of more than 15 years, I have not made any other late payments. 

Chase agreed to waive some fees and then I immediately made the payment. When I checked the account the next day, the fees had not been waived, and rather than deal with customer service again, I made an additional payment to cover the fees that Chase had originally agreed to waive. Chase then reported 2 different late payments to the credit reporting agency and my credit score dropped more than 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES or none of that. I XXXX XXXX yes the real deal XXXX XXXX, not anybody else but me XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to at all. I am a victim of identity theft and I believe my information is being used by very very bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is damaging and is hurting my ability to purchase a home for me and my baby girl. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house one day. please resolve this matter quickly and I mean very quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed and yes this is real me XXXX XXXX, I did not have anybody else involved when I prepared this letter so that means no unauthorized person has typed this for me. IT WAS SOLELY ME XXXX XXXX who is sending you this so no stall tactics please or I will use it in my litigation case.

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 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Social Finance, Inc.
State: IA

Complaint narrative:
I have been attempting to initiate a XXXX transfer from sofi XXXX XXXX XXXX XXXX to XXXX for near three weeks. Initially theyve rejected my transfer due to reason that dont fit SEC guidelines, nor were the excuses even applicable to my account or transfer. They have been misleading me and are now pretending that they have not received the information sent to them by XXXX. 
My primary concern is that despite having share lending off that they can not locate my shares to transfer and are misleading me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: FL

Complaint narrative:
I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX XXXX : XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
All of these items are from Knight Adjustment Bureau : XX/XX/XXXX : {$580.00} XX/XX/XXXX : {$2600.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NM

Complaint narrative:
Experian is not responding to any of my many requests to investigate, verify and remove one account from my credit report/file that does not belong to me.

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 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I do a weekly transaction update on my accounts in case I see any activity not authorized by me. I recently discovered a charge on my account of one hundred and six dollar from a phone repair XXXX  at the mall I contacted Webster Bank to inform them of the issue and to let them know I did not authorized this transaction nor did I initiated the transaction. Of course they asked me if I have my card in my possession etc.. I stated yes I did, I was at the mall and purchased some pretzels.They closed out the card and sent me a new one. Fast forward, today XX/XX/2021 I contacted them to check on the status of my dispute. They told me my claim was denied. I asked them what informations was used to determine this. I insisted I did not authorize this. I am not going to waste my time to call my bank to dispute a transaction I made. I have a checking and a saving with this bank. I closed my Savings account with them today and will be closing my checking soon too. 

I have a savings account with XXXX XXXX and wanted to give Webster Bank a chance but I was not happy with their service. I asked them to reopen the dispute and the representative tells me I have to send them an email as he can not transfer me to the dispute department. XXXX # XXXX. At this point it doesn't even matter if they refund it or not. I closed out the saving over the phone and hopefully the representative processed it. My checking will be closed by the end of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently challenged the accuracy of this account XXXX XXXX  XXXX - acct # XXXX XXXX as I have found numerous inconsistencies on my credit report. This account is listed as a collection/charge off but yet there is still a balance owed and a past due amount listed as this would be considered a violation since a collection/charge off is late by default. how is this account being verified and reported as accurate when the creditor has already written this account off as a loss of debt? There is no difference in the information published by XXXX  before my dispute and/or after my dispute was completed. TransUnion is also reporting a date of last verified on this account and yet still reporting a balanced owed and a past due balance. How is this information inaccurate but yet verified? This is incorrect and a violation of my rights under the Fair Credit Reporting Act. 

I will remind your company of XXXX XXXX TransUnion Corp., 920 F. Supp. 80 ( e.D. Pa. 1996 ). Your company could be held liable for knowingly and willfully reporting inaccurate information after being notified.

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 2021-04-21 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

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. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: OK

Complaint narrative:
I never received any information regarding my medical debts. I was able to dispute them successfully off my credit report. The creditor then changed names, and reported the same debts multiple times. I have disputed the same debts multiple times and have had this same issue every time I successfully dispute the debts. Every time the creditor changes names, they act as if the debt is new, which starts the time in which the debt would fall off over again.

Company response to consumer: Closed with explanation