vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JSZ Financial Co., Inc.
State: TX

Complaint narrative:
These items remain on my credit report. Per FCRA Law, these are supposed to be documents sent to me verifying that these items belong to me. I havent received anything from the companies listed on this document ; therefore I believe I am a victim of identity theft. You have four days to delete this item on this FTC Report. If you continue to disobey the law, I will use my rights to file a Civil Suit against you and the creditor for unlawful use of Metro 2 and the inability to verify items before placing them on my credit report. I have no contracts or have ever done any business with the creditors listed on this document. Either you have failed to properly verify these items before placing them, on my report, or someone is misusing their ability with Metro 2. I demand these items are removed during your investigation and stay removed thereafter as they are not mine. You have four days to delete upon receiving this document. I am sending priority mail so I will know when you get them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I called my mortgage servicer on XX/XX/2020. I was told that the only way to repay my forebearance was a lump sum or 40 year loan modification. I've read several news stories about this and I should be able to defer the payments to the back end of my loan. However I was denied this option. My loan is federally backed. I believe I should be able to defer my payments to the back end of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA

Complaint narrative:
Noticed this collection on my credit report called company said they would look into but nothing creditor is castle credit co holding says date opened XXXX XXXX XXXX is the past due amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NJ

Complaint narrative:
On XX/XX/2020 at fraudulent transaction of {$2000.00} was charged to my direct express debit card by a company called XXXX XXXX in XXXX, ny. I have never heard or dealt with this company prior. I am in XXXX  in XXXX  for health issues. I tried called direct express XXXX numerous times and can't get through, also sent several emails, with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA

Complaint narrative:
Credit report an item that isn't mine Castle credit counseling holding date opened XX/XX/2018 amount XXXX which isn't mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I received a phone call from Midland Credit Management. At that time I was driving and had others in my vehicle who could hear my conversation. The representative of Midland stated the call was an attempt to collect a debt. I interrupted him and tried to explain it was a really bad time and if I could return his call at a later time, he cut me off and stated that the account was not pending litigation. Before he could finish I ended the call. 

Later that day, I called the number back and the representative asked how did I hear about them, told him about the call I received earlier. I also complained to him about the previous call. I then explained to him about my dire situation in XXXX ( when I had to stop making payments ).  Explained that I recently had major XXXX and have been recovering past XXXX months. He wanted me to commit to making a payment and I explained I could not commit what I do not have. I further explained my financial hardships, especially now with the shutdown due to the Pandemic. He repeatedly stated if we could not come to an agreement, he could not guarantee the debt will not be turned over to the attorney for litigation. He then questioned me whether I wanted to take care of my bill or not ; whether i wanted to fix my credit. I informed him that they were really inconsiderate calling and making threats during this Pandemic we are going through. I then informed him to cease calling my phone and to contact me through US Mail only. He then asked why and if I wanted to make an arrangement to avoid litigation. I informed him that I needed to seek legal advice so I could know what my rights are. The representative started asking me again if I wanted to avoid litigation and improve my credit. I ended the phone call. The following day, I received a XXXX package with a letter demanding payment or for me to make payment arrangements. 
All I asked for was time to figure out how I will handle this debt given my current financial hardships.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX. At that time I was driving and had others in my vehicle who could hear my conversation. The representative of XXXX stated the call was an attempt to collect a debt. I interrupted him and tried to explain it was a really bad time and if I could return his call at a later time, he cut me off and stated that the account was not pending litigation. Before he could finish I ended the call. 

Later that day, I called the number back and the representative asked how did I hear about them, told him about the call I received earlier. I also complained to him about the previous call. I then explained to him about my dire situation in XXXX ( when I had to stop making payments ). Explained that I recently had major XXXX and have been recovering past two months. He wanted me to commit to making a payment and I explained I could not commit what I do not have. I further explained my financial hardships, especially now with the shutdown due to the Pandemic. He repeatedly stated if we could not come to an agreement, he could not guarantee the debt will not be turned over to the attorney for litigation. He then questioned me whether I wanted to take care of my bill or not ; whether i wanted to fix my credit. I informed him that they were really inconsiderate calling and making threats during this Pandemic we are going through. I then informed him to cease calling my phone and to contact me through US Mail only. He then asked why and if I wanted to make an arrangement to avoid litigation. I informed him that I needed to seek legal advice so I could know what my rights are. The representative started asking me again if I wanted to avoid litigation and improve my credit. I ended the phone call. The following day, I received a XXXX package with a letter demanding payment or for me to make payment arrangements. 
All I asked for was time to figure out how I will handle this debt given my current financial hardships.

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 2020-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I humbly ask for you to investigate my beliefs that I have fallen victim to predatory lending practices in the mortgage and housing industry with my home of almost 14 years. I believe XXXX Bank and their agents have used predatory, unlawful business practices with my mortgage since the pass through certificate was issued in 2007, per the settlement agreement between the US DOJ and XXXX XXXX in connection with its sale of residential mortgage backed securities. 
For the past decade the ebb and flow of the rebuked harassment of these known criminals and their various agents driving by, calling and posting notices has been unbearable, causing me harm and housing insecurity that has greatly, negatively impacted my life, psychologically, personally, physically and financially. In my research and education gained throughout this process, I learned that I have been labeled a securitized finance product. Please help me and others like me to be protected against foreign predatory financial institutions and all of their agents acting on their behalf, to secure our right to life, liberty and the pursuit of happiness. This whole process has left me feeling helpless and misguided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
I own a saving account with wells fargo. I am abroad and have tried every policy way to send my current money to XXXX and close my account. However, they will not do this even though, I can verify many aspects of my identity. They claim I still am not providing enough information. However, I have all original documents.

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 2020-04-08 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: TN

Complaint narrative:
Experian continues to report inaccurate information, bad phone numbers and reporting an account ten years old. ( XXXX XXXX XXXX ), I have sent certified documents to XXXX XXXX and have receive no response and lastly XXXX XXXX is reporting a 30 day late that is inaccurate.

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 2020-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Updated I.C. SYSTEM, INC Account XXXX I've disputed this debt and yet it keeps coming back it's mine. The debt itself is for medical services. I have now and had at time of the noted debt insurance which I already sent documentation of. My insurance is provided by XXXX and I have no share of cost. I didn't visit any emergency treatment on the date in question, and if I had I would have used my insurance benefits. I have 3 of these on my account so.c system XXXX XXXX ( which I never heard of nor is there one in my city of residence ) and the last one isn't mine. I want these off my credit report. If you need copies of my insurance for the dates these were all established on please let me know so I can submit more.

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 2020-04-08 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: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
XXXX  continues to report inaccurate information, bad phone numbers and reporting an account ten years old. ( American Honda Financial ), I have sent certified documents to XXXX XXXX and have receive no response and lastly XXXX XXXX is reporting a 30 day late that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX This company listed that i owed them {$550.00} on my credit report. I received no prior letter or information of this debt. After seeing this debt on the account I sent them 2 letters to verify this debt, one in XX/XX/XXXXand 1 inXX/XX/XXXX and have yet to receive a response. I looked them up on sun biz in my local state ( Florida ) and was not able to find any information on them, they are not even licensed to collect debt in the state of Florida, I looked under names, their address listed and dba 's and could find nothing on them. Calls to the number on my credit report go unanswered, i have had no correspondence with this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Due to the coronavirus I have over 30 overdraft fees and I contacted the bank to get in waves and I failed to do so

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 2020-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo credit card credit limit does not match my credit score because when the car was issued to me my XXXX  score was not reporting properly and they never resolve the issue after I contacted them and also they never gave me my {$10000.00} grant within three days after I apply for it for the disaster of COVID-19 I would like to credit card company to re-generate a better Credit limit based on my Credit score asap thanks XXXX bless

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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
1. Harrassed my elderly parents.

2. Refused to provide proof debt is owed.

3. Refused to identify themselves or the reason for the call.

4. Contacted me by email after I sent a letter to cease contact.

5. Refused to dispute of debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: MI

Complaint narrative:
I have disputed this account multiple times with Experian. I have sent them the receipt showing this item was paid and should not have been reported as a charge off. I am a current customer of web bank and was told by them that Experian is reporting inaccurate information.

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 2020-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my account in full on XX/XX/XXXX and it was closed out. My due date for the payment was XX/XX/XXXX. Also, my payment was not late in XX/XX/XXXX. I paid my account off prior to the due date of the XXXX of XXXX. 

Therefore my payment was not late in XX/XX/XXXX or XX/XX/XXXX and my credit file should not reflect such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I HAVE ASKED FOR THE ( PHYSICAL CONTRACT BEARING MY SIGNATURE ) REQUIRED UNDER SECTION 609 FCRA. ALSO I HAVE ASKED FOR THE METHOD OF VERIFICATION IN WHICH THEY HAVE VERIFIED THIS ACCOUNT ( XXXX XXXX XXXX  ). THEY HAVE NOT PROVIDED THEIR METHOD OF VERIFICATION OR A CONTRACT AND IT HAS BEEN OVER 30 DAYS. 

INITIAL DISPUTE XX/XX/20

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 2020-04-08 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: NY

Complaint narrative:
After reviewing my most up-to-date credit report sent to me by Experian. I noticed that the following accounts are still being reported as updated in verified, but what under the guidelines of the fcra rules and regulations is a violation. 

Please see attachment for the following accounts ; ( XXXX XXXX XXXX XXXX XXXX  ) this account is currently being reported on Experian with no balance. No last date of payment, no date of last activity, no information on original creditor including business address and telephone number. All violations of the FCRA rules. 

( XXXX XXXX XXXX ) after notifying Experian that the original creditor has not responded to my validation letters. Experience still continues to report this account as updated and verify. This is a violation of fcra rules. 

( XXXX XXXX  ) unknown account- after requesting Experian to fully validate this account by providing relevant information as per fcra rules section 609b. The company still reports this account as updated and validated and are verified. This is a violation of fcra rules. 

( XXXXXXXX XXXX XXXX XXXX ) in and around XX/XX/XXXX of XXXX, XXXX XXXX  has been reinserted onto my Experian credit profile without notification as required by law 5 business days prior to reinsertion. In addition, in an attempt to damage, and discredit my credit worthiness. The company intentionally change the name of the original creditor from XXXX XXXX XXXX XXXX to XXXX XXXX, using the same collection agency, but different original creditor with the same outstanding balance. This information is not only fraudulent, but misleading, inaccurate, inconsistent and a clear violation of fcra rules. An attachment ; notice that XXXX XXXX XXXX  in a was in fact deleted back in XXXX of XXXX but now we reappears as a collection item under the name XXXX XXXX and associates with original creditor XXXX XXXX a violation fcra rules. 

( XXXX XXXX  XXXX XXXX )  this an collection account that reports as paid has agreed. But does not report last date of activity. Does not report last date of payment. Account still reports as verified and updated even though account was disputed back in XXXX of XXXX. Account currently shows last date updated was in XXXX. Account Does not accurately reports last date account was updated. All violations of fcra rules. 

( XXXXXXXX XXXX XXXXk ) I've notified Experian of the inaccuracy of outstanding balance being reported, I've also notified of the inaccurate last date of payment all are violations of fcra rules.

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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: NJ

Complaint narrative:
The account was settled with this company. I have obtained those records, but they are insisting that I am still responsible for the amount. They have refused to take the item off my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Credit Corporation
State: IN

Complaint narrative:
I have tried paying this account ever since I first opened it in XXXX of 2018. Every time I have tried to pay it online, I end up getting an email saying oops something went wrong and Avant reverses the payment I tried to make. I have contacted Avant several times at the beginning and they told me they have no idea why they couldnt process the payment and to contact my bank. My bank informs me there has never been a request for payment from Avant. After arguing with Avant for some time, they came up with the excuse that I have a stop payment in place preventing them from drawing funds. I contacted my bank and they told me this is not the case and theres no stop payment in place and they have NEVER received a request for payment. Avant refuses to accept fault and has ruined my credit over it. I have even sent them the chat messages between my bank and I. They refuse to accept any amount less than the balance with all sorts of frivolous fees theyve added on due to them refusing to accept my payment. I have tried for some time to resolve this with them and it seems as if theyre practicing fraudulent lending by refusing to accept my payment ( all the way from the begginning of me opening the account ) and racking on late fees they refuse to remove as well. This shouldve never been reported late to the credit bureaus and wouldnt have been delinquent if Avant couldve figured out their issues, accepted fault, and stopped trying to blame it on everybody else. This is by far the absolute worst company Ive ever dealt with.

Company response to consumer: Closed with explanation