vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
MERCHANTS CREDIT GUIDE IS A THIRD PARTY DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS. I WANT THEM TO REMOVE THIS DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: IL

Complaint narrative:
Experian and XXXX are not following the correct steps that I have researched when requesting to remove an item from your credit report. I am disputing my bankruptcy. The bankruptcy was for my business XXXX XXXX XXXX and should not be reflected on my personal credit information. Experian and XXXX continue to report it and they have not contacted the XXXX District US Bankruptcy to verify this information. XXXX removed it from my credit report almost two years ago. I am asking this information be removed immediately.

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 2021-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
I closed my account with my tv provider on XXXX.I returned my equipments on the next business because they were closed on the weekend.Ive paid my bill with the XXXX for 10 years and I never missed any payments with them.I filed complaints against them with FCC to New Jersey office of attorney general.They were not honored a promotion starting from XXXX XXXXAfter that they raised the bill non stop from XXXX to XXXXMy promotion said I have to pay XXXX and now they sent it to collection what I did not know about.I have text messages with their rep who says I do not owe anything after I returned the equipments.I have receipt shows XXXX when I give the equipments back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I read online at your website that companies would try to help with FORBEARANCE? I did not know what the word meant until 6 months into the PANDEMIC DISASTER and another creditor said something about it was XXXX XXXX, so I XXXX it and it told me what it was? like I said no one offered to me until a little late? well, I took a lot of abuse from the creditors, but this one took it to a new level and try to get me to come online so they could mess with me PAYPAL SYNCHRONY BANK, I couldn't find an email that offered me that? I told every one of my creditors that I have a DEBT CONSOLATION COMPANY and all they would say owe we don't deal with them, but if they told me I could get a forbearance I could of canceling my DEBT COMPANY because it would have been much better and faster and know ABUSE.I was told that it showed my PAYPAL ACCOUNT was closed from one of the credit bureaus, but the damage is already done because my XXXX SCORE went from XXXX to present XXXX and I had card closures and credit limit lowered like around XXXX dollars in all, that hurts I worked hard for that XXXX SCORE?? That was the best score I ever had and I was proud of it, One time I got online with Paypal and they lowered my limit on my PAYPAL MASTERCARD, nd it is a XXXX  dollar limit and they lowered it to XXXX dollars and I went to cancel it and they said if I cancel that card I would lose my AMAZON CARD?? so I didn't do that, so is that ok?? If you could receive the CHAT ONLINE you can see all the XXXX I had.

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 2021-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2021, at around XXXX I made an in-person, over-the-counter cash deposit of {$3800.00} at the US Bank XXXX XXXX Branch Office XXXX I was given the receipt for the transaction and everything seemed fine until three and half hours later. At around XXXX on that day, a teller at the brand ( the name sounded like " XXXX '' but was not spelled out clearly in the voicemail message ) left me a message saying that her door " was short of {$800.00} '' and that she " believes she entered an incorrect amount ... should be {$3000.00} instead of {$3800.00} ''. 

I tried to call the number XXXX back a few minutes after the message was received, but the branch was closed ( they close at XXXX on Saturdays ) and no one answered the calls. I made numerous attempts between XXXX and XXXX but could not reach anyone there. 

At XXXX on that day, the teller ( # XXXX ) at the branch withdrew {$800.00}, without my consent or knowledge whatsoever, from my checking account. No reason was given. 

I called the US Bank 's XXXX number and spoke to their staff at the call center, since I was not able to reach anyone at the branch. The staff at the call center took notes about what happened but told me that this would have to be resolved at the branch. 

I confirm and am 100 % sure that I deposited {$3800.00} in-person when I visited the branch on that morning. But the fact that the tell, for whatever reason, was short of {$800.00} and thus deducted {$800.00} from my account with no consent whatsoever is ridiculous and totally unacceptable. Isn't my money in a bank account supposed to be safe and where is that assurance? A teller can withdraw my fund in my banking account without my consent or even knowledge about that, simply because he or she is short of some amount for the day? I encourage US Bank to start a thorough investigation, including surveillance videos and/or other means as appropriate, to find out what happened about at the branch.

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 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX A judgment was rendered against me in favor of Chase Bank on XX/XX/XXXX in the XXXX County, Florida Court for defaulting on credit card debt. The amount of the judgment was {$12000.00} with an annual interest rate of 8 %. ( It was the result of my business becoming insolvent in XXXX. ) On XX/XX/XXXX Chase sent me a letter stating that after entering into agreements with the U.S. Consumer Financial Protection Bureau on XX/XX/XXXX it would stop attempting to enforce the judgment. They also stated that they would not sell the judgment. ( Administrative Proceeding File No. XXXX ) However, while in the process of recently refinancing the mortgage on my home, I discovered that on XX/XX/XXXX Chase had assigned the judgment to XXXX XXXX XXXX, a XXXX XXXX, FL company whose Registered Agent is Attorney XXXX XXXX. 

Furthermore, on XX/XX/XXXX, XXXX filed an Affidavit of Creditor 's Address on XXXX behalf and obtained a certified copy of the Final Judgment at the XXXX XXXX XXXX XXXX XXXX office. 

I was never notified by Chase or XXXX that the Judgment had been assigned. 

Documents provided : - XX/XX/XXXX letter from Chase Bank - XX/XX/XXXX Affidavit of Creditors Address submitted by Attorney XXXX XXXX on behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: AL

Complaint narrative:
In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of XXXX XXXX XXXXXXXX in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed XXXX XXXX XXXX  and has forwarded a fraudulent debt in that amount to Credit Control LLC for collection.

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 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: CT

Complaint narrative:
I have a debt that was recently added to my credit for {$2900.00} from Lockhart & mo.. I've attempted to contact Lockhart and a woman named XXXX was clearly the head of answering phones. She was rude, nasty, yelling at me. She told me this is my debt and I need to pay it, stop running in circles because she's already talked to me before. I've never talked to this woman or anyone about a debt. I have a decent credit score, I keep up with my bills, I always pay on time. Because of this, Lockhart was able to get my XXXX credit card company of over 7 years to cancel my account. Which I need reinstated immediately. This woman XXXX says this debt happened in Arkansas, XXXX of XXXX I've lived in the state of Connecticut since XX/XX/2015. Nothing adds up here. I've called XXXX a million times for help and I either get no where with the robot system or my results always come back from my dispute as pending ... who do I have to contact to get this fixed right away.?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of Bank of America in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed Cash Rewards Card and has forwarded a fraudulent debt in that amount to XXXX XXXX XXXX for collection.

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 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OK

Complaint narrative:
I mailed 3 certified letters with return receipts, first letter was sent out XX/XX/XXXX an received XX/XX/XXXX asking Lexisnexis to Verify Public Record of Bankruptcy or to delete account also included was a letter from the Court saying that " they do not give or sell any information to third parties '' and I never got anything back from lexisnexis nor did they mark the account under dispute or notify the 3 credit bureaus of the dispute. On XX/XX/XXXX I ordered my consumer report to see if lexisnexis might of marked the account under dispute but they didn't. Second letter was sent out XX/XX/XXXX an received XX/XX/XXXX it was a follow up letter do to lexisnexis not replying to my initial letter an how they violated federal law. Lexisnexis took 24 days before acknowledging my second dispute an on that 24th day of XX/XX/XXXX lexisnexis then marked the Public Record of Bankruptcy under dispute, but did not notify the 3 credit bureaus of the dispute and on XX/XX/XXXX which equals a total of 66 days from initial letter with follow up letter to get a response lexisnexis replied claiming they Verified that Bankruptcy is accurately reporting to my consumer report but lexisnexis also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. Third letter was sent out XX/XX/XXXX asking for Method of Verification and asking lexisnexis to send documents of proof or to delete the account and on XX/XX/XXXX lexisnexis then responded claiming they Verified that Bankruptcy is accurately reporting, once again with out Providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Loan Number : XXXX Servicer Name : Select Portfolio Servicing Inc. 

On XX/XX/21 I, XXXX XXXX received a letter from Select Portfolio Servicing Inc. ( SPS ). In that letter SPS mentioned that its removing me from forbearance status due to a payment it received from State of Illinois Emergency Mortgage Assistance ( EMA ) behalf me. I called SPS many times snd mentioned that I am still unemployed and put me back in forbearance status but its is refusing to do so. 

SPS saying that I dont qualify for anymore forbearance and only option I have is to sell the property. I told the bank I dont want to sell my property and I just need forbearance for little bit longer. I also mentioned to SPS that under CARES Act I qualify for 12 months of relief but it is saying I dont qualify for that program. I am kindly requesting CFPB to reach out to SPS and find out why I dont qualify for full 12 months of forbearance. Thank you and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
randomly all of a sudden received a paperwork at the door by some one unknow that I am being sued. XXXX XXXX  from zwicker & associates pc XXXX XXXX XXXX  XXXX XXXX XXXX tx XXXX .behalf of XXXX XXXX XXXX XXXX. Amount is extremely high. i dont have job and currently going to an institution to find some for future. due impacted by pandemic. i cant even my bills on time evacuating in two moths before eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: TX

Complaint narrative:
I was apart of the major XXXX credit breach and been having issues with fraud, inaccurate accounts and multiple credit monitoring alerts that can harm credit, in which it has. I have reached out to the collection agencies based on this information and asked for verifiable information to prove it is a legitimate account. They still have not provided me with this information and XXXX, XXXX, and Transunion have continued to report that the information is correct. After disputing with the collection agency i then disputed with each credit bureau with no effort into an investigation put forth. I also provided documentation. After Transunion closed the dispute they ultimately reported the account closed and left it on my report for at least another week or two, then deleted the account. XXXX  and XXXX  have yet to address the matter and continue to use algorithms to update my account. 
Amounts are those of 3 accounts : XXXX {$2000.00} XXXX {$890.00} XXXX {$560.00}

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 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Insisting debt has not been paid to credit bureaus. Even continuing to report as late. But cashed check for full amount some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: WA

Complaint narrative:
I have two mortgages with Guaranteed Rate Mortgage Co. located in XXXX XXXX, Illinois ... 

( I routinely check my balances and statements online. I need to check : 1- the status of my account, 2- whether the mortgage company has honestly paid the County property taxes that are due on the properties, 3- to ensure that they are correctly creditung my account towards princiole/interest/escrow etc. ) ... Their website that I log into as a borrower refuses to let me have access to my OWN accounts because they forcibly want me to agree to the " new terms '' that they have imposed which is -- " unconditionally accepting E statements '' that I do not want ... because I need hard copies in order to keep track of the 5 different mortgages I have ( as rentals ) ... so I have refused E statements from the application phase, and all through the years. But the website will not let me look at my own accounts unless I agree to E statements and they have refused to display my own information by any other alternate means around this obstruction. 

This is unlawful coercion and withholding of information that can otherwise keep them honest and accountable. These are written terms in our agreement that was signed at the time of property purchases in XXXX and XXXX that Guaranteed Rate agreed to perform in good faith but is failing to do so after the fact. 

By denying borrowers access, Guaranteed Rate mortgage Co is not only reneging on its agreement, and failing to perform as agreed to, but they are forcing borrowers to comply with E statements so they can maximize profits resulting from witholding hard copies to those that prefer a paper statement. 

The way Guaranteed Rate mortgage Co. does it is by denying borrowers access to their online accounts, and holding that information hostage -- which in turn robs borrowers of the right and ability to make sure that Guaranteed Rate mortgage Co. Is honestly performing the allocation of monies towards County taxes, Loan principal and interest, and Escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and Better Business Bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 47 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 47 days so they should be deleted promptly.

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 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Insisting debt has not been paid to credit bureaus. Even continuing to report as late. But cashed check for full amount some time ago.

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 2021-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
Paid debt in full already previously. Company is continues to indicate to credit bureaus that the debt is unpaid and still claiming continued late payments.

Company response to consumer: Closed with explanation