vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This complaint involves the amount of {$44000.00} which was for a subordinate/second mortgage on my home. This mortgage was taken out 15 years ago ( XX/XX/XXXX ) at which time the original amount was {$52000.00}. The above mentioned ( {$44000.00} ) balloon payment matured on XX/XX/XXXX. Back in XXXX of XXXX we started negotiating with SPS ( Select Portfolio Servicing ) XXXX XXXX  XXXX XXXX XXXX XXXX, Utah, XXXX to have this loan refinanced due to COVID and other situations we could not afford the balloon payment. Our goal was to renegotiate with the lender for an extension on this loan so we would be able to stay in our home. After several interactions and production of documents requested such as, tax returns and proof of income we were under the impression that we would be getting a modification. We were also told to withhold our XX/XX/XXXX payment until we receive the new mortgage. But to our amazement on XX/XX/XXXX we received a disturbing letter suggesting that we should sell our home in order to satisfy this debt and we were given a short sale deadline of XX/XX/XXXX which was even more shocking since it only allows us 11 days to make a lifetime decision. 

I am the major breadwinner in my home and I sent proof that our total family income is approximately {$12000.00} per month. I work as a XXXX XXXX and have a young son in college whom Im supporting. I would think that due to the hardship that we are all under due to COVID-19 that this lender would understand my situation and would work with me to resolve this issue instead of trying to push me into selling my home which is the most harsh situation Ive ever expected. Please note that over the last 15 years Ive paid this mortgage twice over which I understand is business but now a new person has bought the mortgage and it seems they are just trying to make money. As of now, the servicer would not tell us who the lender is and I was never given an explanation as to why we were denied a modification. Please look into this situation and let us know what the end result is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am having a very difficult time with PHH mortgage. I have recently been declined for a loan modification and mortgage assistance. I believe we are a victim of a predatory mortgage lender. We were never aware or told the our mortgage had a ballon payment. Originally with OCWEN, PHH informed me they6 could assistance me with a loan modification. I applied for a modification and was declined because the loan value was {$240000.00}. I wrote back to PHH stating the appraised value was wrong. I resubmitted for a modification while showing the value was higher. PHH then declined me stating the value of the property was {$290000.00}. PHH has never done an interior appraisal. The representatives are located in XXXX. They have no idea the value of my property and are making up information to decline me. That is bank fraud, predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, Some one used my Best Buy credit card to buy a laptop worth {$1700.00} at New York Best Buy store on XX/XX/XXXX. I wasnt alerted of the fraud for that purchase. I was at the work so didnt check my personal emails. After some time they tried to do another transaction for {$660.00} which got declined and alerted me of fraud. I responded to the text right away saying it is fraud and called the provided number on the text. Person on the call told me there is another transaction too for {$1700.00}, I confirmed that I never used the card that day and I was at work and request to cancel that card and send me a new card. Person from Citi bank said that she will dispute the charge and get them removed. The charge which were initially removed and then I received a statement on XX/XX/XXXX with {$1700.00} which was added back to the balance saying that is not fraud. I called the security team on Monday XX/XX/XXXX explaining everything, they said they will look into it and if the investigation comes back not fraud then I am supposed to back the amount. Please resolve this issue. On XX/XX/XXXX I was physically at work in New Jersey as I work in a hospital and didnt go to XXXX XXXX that day. Please check the security cameras of the store for the scammers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Over the last couple of years I have applied for credit cards at some company type cards backed by JP Morgan / Chase. I have other credit cards and a score of over XXXX according to XXXX. 

I have not been late on a payment for about 10 years. 

Chase denies me they say do to a bankruptcy in XXXX. 

Here is the rub. I had to take a bankruptcy due to Chase. They had a credit line to a company I worked for in the XXXX recession and they withdrew it and force the company to sell - I lost my job. Did not work for 2 years. 

Chase also did the bait and switch on a loan modification and turned it into a foreclosure in XXXX. I fought it for 5 years and won. Got forgiveness on a 2nd loan due to their malfeasance and got the first mortgage modified with the help of an attorney. 

I think Chase black balled me for beating them and XXXX XXXX  and keeping my house. Makes no sense today why they would deny me - unless they deny ALL OTHER people that had to take a bankruptcy due to the last recessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There are 2 accounts with Bank of America that can not be found with Bank of America but is reporting on my report. I have opened various disputes but the account remains. I do not know what to do. 

One account is closed with a balance of XXXX and XXXX. 

Please help me remove these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
In dealing with XXXX collection company i have had difficulty getting any proof of debt whatsoever. When i was first called they claimed i broke a lease early and owed {$2200.00}. 

On XX/XX/2020 i sent a debt validation letter asking them to provide the documentation XXXX XX/XX/2020 I sent an email with a copy of my notice to terminate the month to month tenancy well be fore the 60days provided in the lease. 

Iq data Int reported a collection account to XXXX XXXX  today without providing any validity of a debt. They even failed to check the box that the account is disputed as required by 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 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Applied for a line of credit thru chase. I have an immaculate credit record and score. I was given an interest rate over 8 %. This is predatory lending. They are trying to rip people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
FBCS attempting to collect medical debt under " parent '' XXXX XXXX 's XXXX XXXX in the state of IL. This is the correct information to the best of my knowledge regarding any hospital stay : Date of Service XX/XX/XXXX place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. acct XXXX Under Texas debt collection law Medical debt time barred is 4 years. A data breach was also noted at this facility which is under investigation XX/XX/XXXX ( network server ) via HHS.gov website. The Physicians who were PCP during stay also were noted to have a data breach under investigation XX/XX/XXXX ( hacking/IT ) via HHS.gov website. I am concerned that this company has taken action to collect a time barred debt to revive the debt. If my understanding is correct this can not be done in Texas. I am not sure who this debt company. I am an older citizen concerned and unsure of the changing rules regarding debt collectors along with data breach 's. I do know that I have not authorized XXXX XXXX XXXX XXXX XXXX XXXX authorization to share my legal or medical information. I believe this is a violation 1. time barred debt 2. possible HIPAA compliance 3. Stop before they report to consumer reporting agency 4. age/minority Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
Doctors office sent blood work to the wrong lab after I told them several times that my insurance had changed. Its the Doctor 's mistake not mine. 

Collection account. {$680.00} past due as of XX/XX/2020. 
Status Updated XX/XX/2020 RADIUS GLOBAL SOLUTIONS LLCXXXX Account Number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
There are unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. TRANSWORLD SYSTEMS INC Reported :XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: IL

Complaint narrative:
In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX  Data Breach Settlement given to me by XXXX  credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MO

Complaint narrative:
I have recently Disputed this matter with XXXX, XXXX, and XXXX. Unfortunately They Have failed to reach back by mail with the Burden of Proof within the required 30 days. I have stated to them the information is incorrect on my credit report and is fraud, This falls under The FRCA Requirements, and I have shown a 601 goodwill letter after the first dispute. Please provide Burden of proof by mail that the information is accurate or remove this account due to Fair Privacy Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Checking my report and I noticed some inquires on my report that Im not aware of. I never called in about anything neither gave someone my consent so as you know anything reporting inaccurate on my report should be removed as the FCRA states ... please take my situation seriously Im trying my best to become better financially I have to take care of my family. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Opened my account XX/XX/2020 and instructed the lady at the branch to use a promo code for a new account promo bonus. " SunTrust is offering a bonus of {$200.00} when you open a business checking account and complete the following requirements : Make cumulative qualifying deposits of {$1500.00} or more ''. I opened the business account for this Suntrust account. I was forced to do it in branch and the lady said she applied the code. Her name is XXXX and her email is XXXX so you can get in contact. She works at XXXX XXXX XXXX XXXX XXXX The requirements for the {$200.00} bonus is deposit {$1500.00} in cumulative deposits in the first 30 days. I completed the requirements and it is showing nothing on my promos the last on the phone said and the box is not checked for the promo code. Q4 2020 Small Business Checking Reward is the bonus that was suppose to be loaded into my account but never was. The lady XXXX said I don't qualify for the bonus because I took the money out but that is not what the terms states. What the promotion states is that the deposit can not be made using a debit card credit and the account must maintain a {$0.00} balance until the rewards are credited. 
I made the deposit and still never received the bonus. I tried to get in contact with customer service and a manager but was never helped so I am taking it to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
ERC is claiming I have debt with XXXX. I haven't had XXXX in years and it was never on my credit report before. I have never received a XXXX bill at this current address either. 
The letter is dated XX/XX/2021 in the amount of {$220.00}. They say they will settle the debt for {$110.00}. 
Website XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida. 
Pay with cash at XXXX or XXXX XXXX. 

I had also put a freeze on my accounts because I have had an issue with someone opening accounts in my name. This account should never have even been opened if this was an actual account. I should have been notified immediately someone attempted to open up an account in my name but I never received an alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
I have submitted Police Report proving I am a victim of Identity Theft. The police report indicates that XXXX ( XXXX ) is a fraudulent account. This account was removed from my Equifax consumer report in XX/XX/2020 and was re-inserted in XX/XX/2020. Equifax has also sent a letter stating that they will not block the account which is a direct violation of my rights under the Fairs Credit Act. I have submitted a Police Report and Identity Theft Report to Equifax several times requesting to block this account Under section 605B of the Fair Credit Reporting Act. The fraudulent accounts are ; XXXX-XXXX XXXX| Account # XXXX Open Date XX/XX/XXXX, XXXX| Amount : {$5000.00} XXXX-XXXX  XXXX| Account # XXXX Open Date XX/XX/XXXX, XXXX Amount : {$18000.00} XXXX XXXX XXXX Account # XXXX| XXXX XXXX XX/XX/XXXX, XXXX Amount : {$3300.00} Equifax is in continued violation of my rights under the Fairs Credit Act. I have attached a letter from Equifax refusing to block the accounts under section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I paid a XXXX account off dealing with XXXX XXXX I called and verified my payment and that they have me paid out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The XXXX XXXX Agencies are reporting an inaccurate bankruptcy on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
After having my teeth cleaned  at an in network dentist, I was billed for services that were supposed to be covered with only a copay. After being billed repeatedly and disputing with insurance company, I finally payed out of pocket after it was sent to collections. Nearly 2 years after settling the debt, I received another bill for the same services. I tried to contact the dental  office and learned that they went out of business. I am receiving calls from debt collectors for a debt that has already been payed. I believe they sold a bunch of debt, valid and invalid in order to keep the business afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: LA

Complaint narrative:
I've disputed numerously about inaccurate information that is not mine.They have included this information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports the publish.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have made numerous attempts to have this account and inquiries removed to no avail. Please can you assist me in getting this account as listed and all inquiries removed immediately. This has been very time consuming and has caused me a lot of undue stress due to these circumstances. I thank you for your help and assistance and look forward to a resolution in this matter. 

XXXX XXXX XXXX XXXX Acct # XXXX. 
And all inquiries listed on my credit report that I did not authorized.

Company response to consumer: Closed with explanation