vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: LA

Complaint narrative:
In XXXX I had an account transferred to the collection agency known as IQ DATA INTERNATIONAL. On XX/XX/XXXX I contacted IQ DATA and requested a copy of the contract. I was told a contract was sent to me, the contract was sent to a previous address of XXXX XXXX XXXX XXXX, XXXX XXXX, LA. Therefore I never received the copy of the contract, I asked the agent on XX/XX/XXXX for a copy of the contract and he asked why I needed it. I stated I needed a copy of the contract because I would like to see the amount of interest and fees that is being added to the account. I was told by the agent to send a letter which I did and I have yet to receive a contract. The agent by the name of XXXX stated to me that the agency will not continue to send me a contract even though I never received the original contract, his exact words were " Were not going to keep sending you contracts because by law we don't have to ''. I am aware that under the FDCPA I am entitled to verification of the debt by validation with a statement or contract and IQ DATA is refusing to abide by that rule. The company states all calls are recorded therefore they should clearly be able to hear that the agent XXXX is repeatedly asking me why I need the contract and stating he doesn't have to show me why or how much interest is being charged. I simply asked for the copy of the contract from the original debt collector and a statement of fees and interest added an I was refused that right which I am entitled to, I have no verification of this debt from this company and they are refusing to provide me verification. I have a witness who over heard the phone call who would be willing to testify on my behalf that agent XXXX refused my request. I am enclosing the final letter I sent to IQ DATA and all of the letters I have sent to the bureaus concerning verification of this debt. XXXX  is repeatedly stating I am not writing my own letters to dispute the failure of IQ DATA to provide verification of the debt I hereby stating under penalty or perjury that I have been the sole writer of every dispute to sent to XXXX  and any collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Had Chase credit card for 7 years with auto-debit to a bank account never a problem. For some unknown reason ( postal service included ) they cancelled the credit card and auto-deduct from my bank without myself receiving any notification that the card was stopped until I tried using it. In mean-time balances not being paid over a few months  Chase Explorer Card notified credit agency and reduced my FICO score  that has been " very good " for 40 years and accrued interest and fees on my balance. I might add that I believe they charged my account an annual {$95.00} fee the month prior to cancelling the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: OH

Complaint narrative:
The items listed are reporting inaccurately on my credit report and are not in compliance. Trans Union, XXXX, and XXXX  are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the items listed below. this is the 3rd investigation, these accounts were never updated properly.

I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :  XXXX  # XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  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 2020-09-24 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: OH

Complaint narrative:
The items listed are reporting inaccurately on my credit report and are not in compliance. XXXX XXXX, XXXX, and Equifax are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the items list

ed below. this is the 3rd investigation, these accounts were never updated properly. I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank has no mechanism for the customer to make additional principal HELOC payments online. However, in XXXX when the HELOC was initiated, they told us that any payments made in addition to the monthly interest payments by bank draft would be automatically applied to interest. When I learned that this is not accurate information, I began working to get the misapplied payments ( intended to be applied to principal but were applied to interest ) corrected. The bank eventually corrected XXXX misapplied payments but would not correct those in XXXX, stating that the " books are closed for the year, '' even though I have documented proof that I had requested those corrections in XXXX. As of this date, Regions Bank has pocketed over {$1300.00} in interest of misapplied payments from us that should have been applied to principal. Why should we be paying additional interest to the bank when all interest payments have been made as scheduled through automatic draft? And how is it possible that a large financial institution such as Regions Bank can refuse to correct misapplied payments that were made in good faith based on incorrect information given by its staff to loyal customers with an excellent credit rating and payment history? We intended to pay off this loan and close the account months ago but continue to pay a small amount of interest each month as we await a fair resolution.

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 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
This has been ongoing since XX/XX/XXXX ( four years ) now. I had forgotten about some of the hassles and attempts, but a quick search on my computer refreshed my memory. I had an account with XXXX, someone fraudulently purchased items ( sent to Virginia - i live in Oregon ) XXXX called to see if i had moved to Virginia. I did not order these items. They corrected it ( see copy of statement from XX/XX/XXXX with the charges and reversal indicated as 'merchandise returned ' - -- - - however, XXXX kept harassing me saying i owed them for XXXX XXXX. I kept explaining - re-explaining i never ordered them. they'd say 'oh, yeah. i see that now, so sorry. '' then they would start harassing me again! I closed my account with them in XXXX XXXX. ( see letter indicating it was closed with XXXX  balance due ) about a year later i started getting calls from a collection agency about it. I provided copies of stuff and wrote them about it. they never contacted me again. NOW, a new collection agency " Resurgent '' is starting in about it. this was never my debt ... but it just won't go away! I never bought the silly XXXX XXXX XXXX  and never got received them, but XXXX just keeps harassing me it's been YEARS of periodic harassment. I want it to STOP for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Mastercard through Sam 's Club XX/XX/2020 XXXX XXXX/ Business Card XXXX XXXX Fraudulent charges for XXXX XXXX in XXXX , Hi. For {$730.00} and finance/late fee add up to {$370.00} as of todays date. Plus no credit for a returned laptop 3 days after purchase in the amount of {$640.00}, No credit adjustment has been made. 
I called the card immediately upon receipt, and put in a fraud claim, I was assured that it would be taken care of, and they suggested I cancel my card and get a new card with a different number. I did, and Synchrony applied the old charges to the new card. I called again, they put me on hold several times, and assured me again that adjustments to my account would be made. The bill arrives again, and no changes or credits have been made. I should have a XXXX balance. This was my 10th call. 
I called again today, with no results, and hung up on after being on hold for an hour. 
The fraud department, even when I asked for a supervisor, was not willing to help. I got the same answer, that they would have to Investigate. Synchrony bill collectors, are now calling twice a day, harassing me for payment.

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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This collections account is completely erroneous. I paid off the XXXX account in question years ago ( XXXX ) when I switched to XXXX XXXX XXXX and they continued to charge me monthly after I had already closed the account. I contacted XXXX and paid the entire balance and was complete on closing this account prior to switching to XXXX XXXX XXXX. After the switch, XXXX made an error and continued to charge me monthly for service when I had already successfully closed the account and paid all balances. Another collection agency related to this erroneous debt tried to maintain a collections account in the amount of {$820.00} ; however, XXXX XXXX XXXX was deleted from my credit report because it was found to be erroneous on XX/XX/XXXX. Now, IC System INC is reporting that I owe a balance of {$820.00} which is false because XXXX  and XXXX XXXX XXXX have reported that I do not owe any debts. I do not owe anything to XXXX or I.C. System, INC and this needs to be removed from my credit report 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 2020-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have been on forbearance since XX/XX/XXXX. I received a phone call on XX/XX/XXXX if I didn't make all 3 payments now they were going to foreclose on me. I asked cant we put the payment at the end of our loan and she stated no this is a forbearance we needed to pay today. I paid {$5500.00} on XX/XX/XXXX it posted from my account on the XXXX. I noticed a week later that my statement never updated that it said I was still 3 months late. I made a phone call and they told me they see my payment but don't know why it hasn't posted to my account that they need to send it up to higher personnel. I called back on the XXXX and they still don't know why its not fixed. I called them everyday since until someone would fix my account. Finally 3 weeks later the payments finally were posted to my account. I also adked to make sure they never report this on my credit and every person I spoke to assured me it would not go on my credit because it was there fault. Well here it is on my credit as a negative for 30 60 & 90 days delinquent which effect my credit score. So now I have called them again every day this week about my credit reporting and of course there is no one we can talk to that we have to wait for a manager to call us again that never happens. So just need them to fix my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have a mortgage loan with LoanCare A Service Link Company on XX/XX/2020, I was granted a forbearance on my loan until XX/XX/2020, due the COVID-19 effects on my employment. The forbearance was approved and I received an approval letter. 
On XX/XX/2020, I started receiving automated calls from LoanCare, asking me to contact their toll free number reference my mortgage loan. I called the number to only have an automated system, that cuts me off and does not allow me to speak with a live person. On the one occasion I was able to reach someone he said my account was with collection department and he would transferred me to that department upon the transfer, I was again put back in the loop of the automatic system. I have emailed them, sent a letter and sent a message through my loan account, however no response just a automated telephone call every day. I do not want this company to start a process of foreclosure, because they are not communicating with each other. I am filing this complaint, because maybe someone can look into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing ( " SPS '' ) has " illegally collected and illegally kept over {$10000.00} in Escrow Deposit Account '' to pay for my property taxes and my property insurance, but the said Escrow Deposit Account do not exist anymore and Select Portfolio Servicing ( " SPS '' ) did not pay a dime. This is a CONSUMER FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Freedom Mortgage Company
State: VA

Complaint narrative:
I acquired a mortgage with JG Wentworth XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX acquired my loan and instructed me to make payments to XXXX XXXX beginning XX/XX/XXXX. My payment was made to XXXX XXXX on XX/XX/XXXX and processed by my financial institution on XX/XX/XXXX. 

In XX/XX/XXXX I applied for a refinance and was denied because JG Wentworth placed derogatory credit information with XXXX XXXX. My credit reflected late payments of 60+ days for erroneously reported missed payments for XX/XX/XXXX. In an attempt to rectify the information, since the payments were no longer due to JG Wentworth during the time reported to XXXX, I found that JG Wentworth was no longer servicing mortgages and did not have contact information to dispute any information presented to the credit bureaus. The phone number listed on my credit report XXXX XXXX XXXX XXXX is no longer in service. My only resolve was to file a dispute with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX XXXX  returned the investigation results and verified the disputed information as accurate, denying my dispute. In addition, XXXX updated the information on my credit report, pertaining to JG Wentworth account, to reflect a Pay Status as 'Account 60 Days Past Due Date ' for the payments due XX/XX/XXXX and XX/XX/XXXX. The additional details were not only inaccurate but severely damaging my credit score. 

Upon contacting XXXX XXXX disputes department by telephone on XX/XX/XXXX, I was informed that all information was verified by the creditor electronically and they could not make further changes. They instructed me to call the phone number on my credit report. This phone number to JG Wentworth is not in service.

JG Wentworth 's erroneous reporting of my credit information has caused me to miss out on refinancing offers that would have benefited my family and I financially. Further damage was caused when JG Wentworth increased the amount of months reported past due to XXXX XXXX. My credit score has  substantially dropped due to the additional false information. I am now below 700 and can not acquire mortgage products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I am responding to last previous dispute against Experian Credit Bureau response to you. I give the company Experian authorization to proceed with my complaint to resolve this issues on my credit report to remove the incorrect information immediately. 

I have previously submitted a compliant in regards to the company Experian Credit Bureau, that is continuing to report inaccurate account on my credit profile without mailing me proof of their method of verifying that account. I have submitted proof of letters of concerns with Experian and provided a letter from the GA Bankruptcy Courts stating they do not use third-party or do not report to any credit bureaus. This has been a stressful process dealing with Experian unethical behaviour of not investigating my request properly. 

Experian is not in compliance with reporting this inaccurate information on my credit report that is ruining my credit rating and reporting misleading information. I have been patient for several years and ask that you hold them accountable to the FTC, FCRA, FDCPA Law of my right of reporting accurate information on my credit profile. Experian has not sent me proof of any document of their method of verification and documents thats shows that my account. 

I ask that Experian mail me the documents that i requested and not an automated statement that does not prove anything. I am requesting method of verification documents with my signature that the requested account be Removed from my credit report immediately. This process has been stressful and this is my last result before I will have to take legal actions against Experian Credit Bureau. 

Thank You for helping me resolved this matter and hold Experian Credit Bureau accountable for reporting inaccurate information that's ruining my credit rating from obtaining any credit. Thank You for helping me correct and resolve this misleading information on my Experian credit profile. 

XXXX 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