vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We are the XXXX XXXX XXXX XXXX files a Chapter XXXX BK XXXX and ever time we try to make payments on our Suntrust MTG ( Truist ) account # XXXX there are issues so the account is consistent goes last due. Payments cant be made by nonlinear, phone and regular frontline agents and collectors cant the payment. This last time we sent a bank wire for the full past due XX/XX/XXXX it was returned by Suntrust and all the information was correct ( amount, payee, account # and their address. Once the funds became available I called Suntrust XX/XX/XXXX and spoke a frontline agent and her manager and after 1 hr. They apologize so I called back and ask to speak to the BK as I am trying to make a payment they transfer me and it route back to XXXX  XXXX  who were unable to take a payment. I hung and called back 3rd time that agent was the least helpful stating she could hear. I hung up and back then after 35 minutes a competent employee XXXX who processed a payment. 

This is a clear violation of UDAPP deceptive acts and practices because they read the disclosure attempt to collect the debt and if you file BK you may not need to pay the bill however Suntrst can take action on the property The home was excluded from BK and I am trying my best just to get them to take a 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 explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In late XX/XX/XXXX, Midland Funding filed a lawsuit against me in XXXX XXXX XXXX Court in Arizona, which involved junk-debt purchased by them that was beyond the statute of limitations. I addressed the fact that it was past the statute of limitations with the court. In XX/XX/XXXX, I was startled to discover that a judgement had just been issued by the court on this case. This is something I was not made aware of beforehand, as is necessary with the filing of a motion for a judgement. As can be seen in the court activity which I have attached, I have always responded to the court, when I am notified. I would have then obtained an attorney, as they continued to attempt to collect on something which was past the statute of limitation. At the time, the only documentation I had received was regarding another case they had brought against me at the same court. This was also a case which was beyond the statute of limitations, which I immediately addressed with the court. 
Midland Funding is a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I got a phone call from a 3rd party Debt consolidation repayment company. They said they needed to consolidate my loans bc I work for a nonprofit business now and set up for a income based repayment plan and said my current servicer Nelnet, could not consolidate them for this purpose. I saw that my password was changed from student loans, but I have not heard and from them and it has been a week. I first spoke to a female on XXXX that evening is when I got an email from the Dept of Ed that my password changed and I had not done that. I am not getting an answer to know if my loans were indeed consolidated or not. If they were not, then I know this call was a scam and my personal information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: FL

Complaint narrative:
I attempted to dispute that XXXX XXXX XXXX is still reporting an open account on my credit that was supposed to be included on a bankruptcy. I used experian to dispute in XX/XX/2020 but it's still listed on my credit file. I'm attempting to purchase a home and have been informed I should report to 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 non-monetary relief
Consumer complaint received 2021-01-27 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: IL

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX  XXXX, XXXX I did not authorize these accounts or inquiries Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated before this account does not belong to me and I have reached out muitple times to the creditors and they have failed to validate these accounts I respectfully request your office provides me with competent evidence that I have any legal obligation to pay you if not demand you delete these negatives items from my credit immediately I do not consent to these proceedings

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 2021-01-27 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Jpmcb Card Continues to show on my credit report has an inquiry. I dont know who or what this is but I have not pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. NMAC Inquiry : XXXX XXXX, 2019 and XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio  of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX  Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: LA

Complaint narrative:
The debt for {$360.00} should have never been a collection debt anyway. It was paid and after investigating, they saw that the debt was paid but still placed the debt on my credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
I was hit by a drunk driver. I was represented by an attorney and the case was settled in XX/XX/XXXX. On XX/XX/XXXX, my attorney contacted and paid all of my medical debts in full. I received copies of all of the deposited checks for my records. In XX/XX/XXXX Paramount Recovery Systems posted a delinquency on my credit report for one of these medical bills. The bill was from XXXX XXXX XXXX XXXX XXXX. I called the debt collector and explained the situation. The representative said she would send a message to her supervisor and call me back. This went on until XXXX when the representative told me that I had to email the proof of payment to her supervisor. On XX/XX/XXXX I emailed the proof. 2 weeks later I called again and the representative said she saw the message but that nobody and looked at it yet. I called again a week later and the representative told me that the supervisor was working on it. On XX/XX/XXXX I tried to refinance my mortgage. The errored delinquency was still on the report. The lender informed me that I would have to pay {$2000.00} more because of that delinquency. I called the debt collector and informed them that they had proof of payment for 56 days and had done nothing. And then I discovered that they had actually reported the errored delinquency to another credit reporting agency on XX/XX/XXXX. That is a month and a half after they received proof of payment. The representative told me that my deposited check was not proof and that they would have to speak with someone at XXXX XXXX XXXX to prove that the deposited check was in fact real. This is a bank check through an attorney 's office, not just a personal check that I created. I called XXXX XXXX XXXX and after being transferred and put on hold for over 2 hours they confirmed that they had deposited the check and they were not sure who Paramount Recovery Services even was. They had no record of anyone attempting to call from there to get an explanation. I called Paramount Recovery Services and was told by the rep with a rude and conversation ending tone, " Sir. There's nothing I can do for you. Either we have to hear from XXXX XXXX XXXX or you could just pay this now and it'll make it go away. '' I am at a complete loss and feel helpless to these people who are causing me stress and financial hardship even though I have proven to them that I have already paid this medical bill. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/2021 PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-01-27 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays Bank Delaware is reporting an account under my name that is derogatory on my credit file. I have sent numerous certified mailings to show ID theft ( FTC fraud report, police report ) and they have yet to remove the account. I have asked several times for them to provide me with my signature showing that it is mine- they can't do that because it's not mine, yet they will not remove it from my credit file.

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 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is my more than 15th complaint against Select Portfolio Servicing ( SPS ). I always get same answers without fixing any root problem.

SPS never sent mortgage statement within a month, so that I can pay properly on time. SPS is doing this, so that I can not pay the actual amount on time, so they move to foreclose. This is not my complaint. I have talked many homeowners and this is SPS 's patented strategy to foreclose home illegally I still have NOT received Tax Information of 2020 from SPS. 

SPS harassing me every month for full and entire mortgage payment. 

SPS is engaged in privacy violations. 

cc. XXXX of California

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received as a XXXX present American Express gift cards with expiration dates in XXXX. Despite my attempts to use the gift cards prior to their expiration dates, American Express had deactivated the cards. I spoke with XXXX XXXX on the American Express Prepaid Resolution Team on XX/XX/XXXX. She indicated that I would have to fill out a form that she was mailing to me, and that I should expect to receive replacement gift cards within XXXX - 10 days. She emailed me reference # XXXX. I received the paperwork, filled it out and sent it along with pictures of the gift cards, as requested by American Express. It has now been almost two months, and I have not received the replacement cards. I tried calling the number she referenced in the email, which is XXXX, but I only get a pre-recorded message with no ability to speak to a representative. 

I have also sent several emails, none of which was responded to. I am attaching the string of unanswered attempts to request additional information. 

I fear that I have been defrauded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I XXXX XXXX XXXX entered into a consumer credit transaction with BARCLAYS BANK DELAWARE in 2015. The consumer credit transaction included a finance charge, pursuant to 15 usc 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. I, am the consumer and I refuse to pay this alleged debt pursuant to 15 USC 1692c ( c ). BARCLAYS BANK DELAWARE has used abusive and profane language under 15 USC 1692d ( 2 ). I, the consumer XXXX XXXX XXXX is not obligated to pay any debt pursuant to 15 USC 1692a ( 5 ). BARCLAYS BANK DELAWARE are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts. Pursuant to 15 USC 6802 BARCLAYS BANK DELAWARE never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681b. I deny this debt pursuant to 15 USC 1692g, BARCLAYS BANK DELAWARE never validated any debt. BARCLAYS BANK DELAWARE have contacted an attorney ( Law office of XXXX XXXX XXXX ) who is an uninterested third party in direct violation of 15 USC 1692e ( 3 ), this is false and misleading and misrepresentation or implication that any individual is an attorney or that any communication is from an attorney. I, consumer XXXX XXXX XXXX extended them credit pursuant to 15 USC 1602 ( g ). Pursuant to 15 USC 1602 ( p ) this is unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a XXXX XXXX XXXX Credit Cardholder since XX/XX/XXXX. I applied for this low limit card ( {$500.00} ) because they advertised that using their card I would increase my credit. I used their card responsibly and during that time, I have never paid late or underpaid my card. I overpaid the card XXXX dollars in XX/XX/XXXX, and between XX/XX/XXXX and XX/XX/XXXX, I did not use the credit card. Still, on XX/XX/XXXX, I received an alert from XXXX XXXX that there was a derogatory mark on my credit history. 

I have not received any statements, e-mail, or phone calls from them. After I received the derogatory credit mark on my profile, I checked all statements online. I saw that in XX/XX/XXXX, the account XXXX dollars overpaid. Still, inexplicably without using the card in XXXX, I owed XXXX dollars and XXXX cents ( {$10.00} ), and XXXX XXXX reported me being 30 days past due for XXXX XXXX ( {$35.00} ). 

XXXX XXXX had the number of a bank account that I wasn't using, and it was not funded for months, they were attempting to withdraw the funds from that account without sending me statements. I asked them to remove the derogatory mark of my credit and still no response. 

They also claimed that I was enrolled in autopay but the account they were attempting to withdraw the funds was not being used and not funded for several months, they blamed me claiming that I did not remove the account from their profile.

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