vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB CARD SERVICES, AMOUNT {$22000.00}. I AMA A VICITM OF IDENTITY THEFT. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS ACCOUNT IS REPORTING NEGATIVELY ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT WORTHINESS AND HARDSHIPS TO OBTAIN CREDIT IN THE FUTURE. JPMCB CARD SERVICES ARE VIOLATING MY RIGHTS AND USC CODES AND LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently read through a copy of my credit report, and I noticed addresses, names, date of births, phone numbers and employment and social security numbers listed on there that are not correct. The only address that should be listed is shown at the bottom. There should not be any variations of my name because it is spelled one way and XXXX way only. I have enclosed my ID as proof with my correct address and spelling of my name. Please send me an updated report as soon as you have deleted the inaccurate personal information. 

My full name is : XXXX XXXX XXXX There should be no other names listed. Please remove any others that remain My Social Security Number : XXXX There should be no other social security numbers listed. Please remove any others that remain My Date of Birth : XX/XX/1958 There should be no other date of births. Please remove any others that remain My address is : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX Any previous addresses are undeliverable, and I have no access to them. Please remove at once. 

My phone number : XXXX There should be no other phone numbers listed. Please remove any others that remain XXXX : NONE, all employment listed on file is incorrect

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 2021-11-10 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT has placed an account on my consumer credit report for {$4600.00}. This company is also reporting inaccurate information across all 3 bureaus. This company is a 3rd party company and is in violation of my consumer privacy rights such as 15 u.s code 1681b, 15 u.s code 1692b ( 2 ) and 15 us code 1692e. 
Due to, I never gave consent verbally or in writing would result in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
My wife and I are financially able to pay extra on the principal. For a couple years NewRez applied the extra money to principal right away. About three months ago they sent us a message indicating that extra principal payments would be held until it equaled a full payment, then it would be applied. We dont know just exactly how this extra will be applied. Will they treat it as a normal payment amortizing it and keeping the interest or will they apply it all to principal which is our desire. Im not sure if, in the mountain of paperwork that we signed, if there was a clause that gave them the right to handle extra on payments to their benefit instead of ours.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, Equifax, XXXX have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. XXXX DID not conduct an investigation like they claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, XXXX, Experian have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. XXXX DID not conduct an investigation like they claimed.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Due to identity fraud I placed a credit freeze on my account last year with the three credit reporting agencies. Despite having the Feeze in place Experian provided my hard credit report on XX/XX/21 to XXXX  XXXX XXXX in response to a fraudulent credit card application.

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 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX, AMOUNT {$22000.00}. I AM A VICITM OF IDENTITY THEFT. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS ACCOUNT IS REPORTING NEGATIVELY ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT WORTHINESS AND HARDSHIPS TO OBTAIN CREDIT IN THE FUTURE. JPMCB CARD SERVICES ARE VIOLATING MY RIGHTS AND USC CODES AND LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: PA

Complaint narrative:
Tuesday, XXXX XXXX, 2021, I received a letter in post from US Bank, stating a credit request was denied due to insufficient information. I have not applied for any line of credit from any lender. In concern of Identity Theft or Credit Fraud, I called the number listed in the letter ( XXXX ) to a supposed " Customer Authentication Department ''. An answering services receives the call and prompts the caller to press " 1 '' if you received a letter and didn't apply for a credit card. The answering service runs for 30 to 45mins. then, disconnects. I called and waited several times from XXXX /EST to XXXXEST and never received an actual response. 
The credit request is obviously fraudulent and US Bank is a valid corporation. I believe the letter may be fraudulent, as well. I would like to have this investigated to find its source and intention.

-With Thanks

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 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: IL

Complaint narrative:
Hello My name is XXXX XXXX. My daughter received a hospital bill at XXXX XXXX for {$2600.00}. Last month I paid the entire bill. It's been 30 days and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: VA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Due to extensive customer service issues I decided to cancel my American Express credit card. I called the customer service line on XX/XX/2021 and received assurances that the card would be cancelled. As of XX/XX/2021, not only has the account not been cancelled, but a new account has been opened, and the card associated with the account has been sent to an invalid address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding has all my information. I did not sign a contract with Midland for any debt.

they keep making harassing phone calls and are telling me that she has something for me and she is coming to get me. I have no clue what she is referencing. I do not know what debt they bought. I did not sign a contract with Midland ever in my life. I do not know what documents they have to have my social and date of birth. Very upsetting to know they can use my social and dob to threaten me. XXXX told me I was stupid and she will not let me talk to her to resolve any issues. She is not professional at all. She told me i need to show up for court today XX/XX/XXXX but nothing is at the courts office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent a letters disputing inaccurate information being reported by your agency on XX/XX/2021and XX/XX/2021. Both times I tried this matter cleared up but haven't had any success

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/2021 I purchased 4 Vanilla Visa gift cards from XXXX. On XX/XX/XXXX, I discovered all the money had been charged off one of the cards by someone else. I immediately called Vanilla Gift Card company to explain the situation. They opened a case and said I would receive an email from them. I never received an email so I called them again the next day. During this call I requested their email address so I could send them a copy of the receipt along with the other items they requested. Shortly after the call I emailed those items to the email address they provided. Since that time, I have repeatedly asked them if they received the items and if they were processing a refund or a new card. I have not received any response. 
They assigned case number XXXX to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC Bank acquired BBVA bank early XX/XX/2021. Since that time, I have not had access to 4 of my 7 bank accounts ( 2 personal, 5 business accounts ) unless I go physically into a branch. Furthermore, I received my first bank statements and I have {$23.00} in various bank charges for items I didn't sign up for such as paper statements. To make matters worse, I can not unenroll from these unwanted services until I have online access to my accounts, which I do not. I have been to my local branch 3 times, spoken and emailed the branch manager multiple times since and still have not gotten access to my money online. There is no resolution or explanation in sight after over 30 days.

When attempting to call their customer service number, a message is played to the effect that they are experiencing high call volume and to call back later at which point the call is disconnected. 

PNC Bank is clearly completely incompetent in their customer service and ability to absorb a new acquired entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
For two years in a row, PennyMac has not paid my Escrow for insurance on my house in time. The first time in XXXX, my insurance was cancelled and ultimately resolved. 

This year in XXXX, I have received a call from my insurance company that my insurance was suspended do to lack of payment. After contacting PennyMac, it turns out that my payment was not mailed out and that they would take care of it. Payment was eventually made ( after 5 hours of my time back and forth with the insurance company ), but it should not be the responsibility year over year to be a go-between to make sure payments are made.

When I ask XXXXXXXX XXXX about the calls and letter that PennyMac mailed, they have no record, PennyMac hasn't provided me any details of them calling XXXX XXXX and or the company they represent XXXX XXXX. 

This can cause harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Hi, Our mortgage foXXXX XXXX XXXX XXXX XXXX were transferred to a different service provider. First we were with XXXX and then moved to SPS. 
We got notified from XXXX of the transfer, account was supposed to move to SPS from XX/XX/XXXX. But on XX/XX/XXXX we received a letter for " Notice of Default - Right to Cure ''. This letter to send to both the home address and tenants were confused and worried about it. I had to reassure them that we are paying mortgage on time and house will not be taken over by bank. 
I have had multiple homes over last 15 years and had numerous refinances done. Always when service provider is changed and loan moves to new bank, they give you 60 days to setup payment and send statement and call if we had not setup payment before anything like this is done. We have never received anything like this before. Also, its been just a month exactly from XX/XX/XXXX to XX/XX/XXXX, from the time the loan was transferred to when the notice was sent. 
When I received the statement in XXXX last week, I setup the account online and I sent the payment for XXXX on XX/XX/XXXX and also setup auto payment on XX/XX/XXXX. 
I am worried about what was the reason to send this notice to take over the house within a month on loan transfer? They didn't even give us time to make first payment and setup auto pay. I have never missed a mortgage payment in all these years with any loans. 
I am filing this complaint so you can check on them and let them know what they did is wrong. I want to make sure, they don't do anything like this going forward and try to take over the property illegally. Please address this issue, I really appreciate CFPB being there to protect common man. 
Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
I asked for them to verify @ RMC of America which they could not provide 100 % accurate information or validate that the debt was mine. In return I was informed that she could not validate that the debt was mine because the original creditor was no longer in business.

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 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: GA

Complaint narrative:
I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX  Account Number 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