vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
My checking account has been frozen since XXXX I tryed contact the person who froze my account she never responded back I called emailed left message nothing i this time I dont what else to do to get through to her

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My information was breached in Equifax data breach and I was contacted by a debt collector that I have never done business with so decided to research it some more. I had all my reports pulled and realized there is multiple accounts that don't belong to me. I filed a police report, an identity theft report, contacted the companies, and filed disputed with all 3 major bureaus with supporting documents sent to them. They have not fixed the problem and I should not be held liable for accounts that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: NY

Complaint narrative:
As previously notified, i am a victim of identity theft

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 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: NV

Complaint narrative:
My information was breached in XXXX  data breach and I was contacted by a debt collector that I have never done business with so decided to research it some more. I had all my reports pulled and realized there is multiple accounts that don't belong to me. I filed a police report, an identity theft report, contacted the companies, and filed disputed with all 3 major bureaus with supporting documents sent to them. They have not fixed the problem and I should not be held liable for accounts that don't belong to me.

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 2021-01-06 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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Hello! I contacted you a few weeks back & unfortunately misplaced your number & pray I returned to the right place : ) In & @ 2017, My husband & I were fooling around with an online app ( if you will ) called XXXX, a third party money transfer addition just featured with XXXX XXXX at our local Citizens Bank on XXXX XXXX in XXXX County XXXX. I fiddled with this app for approximately 10 minutes, as my husband and I were just starting up a small business with our music and was curious what is was & how it worked, therefore ( think ) if I even did anything wrong ) typed in my childrens email address once or twice to see how it may have operated, yet unsure this is even accurate. Due to the fact, I knew my children would never opt to bank & /or take out receive any funds. Within the next week or two, and ever since ( 3 years later ) & after living at hospitals with our youngest son, sadly are bank has still completely failed us! In 2017, they notified my husband XXXX & I, that we were now out close to {$2000.00}! After many many attempts to resolve with them ( citizens bank ), they then began telling us our money was now at another bank, and then another bank! Knowing too what we were going through! After dozens of unsuccessful talks/attempts beyond, they still have not recovered our money, money that never moved a cent, from this original account ending in XXXX, that they then said is in our best interest to just close this long standing account of ours, after all that! Please notify us as to what we can do to receive our money back, as we so need or, and what you feel the direction is we can take in this matter. GODBless & Happy, Healthy XXXX XXXX! XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX & /orXXXX ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
I received a letter recently from Franklin Credit who is suddenly and mysteriously regenerating a bill that was closed out in a foreclosure back in XX/XX/XXXX-XX/XX/XXXX for a property they even have listed improperly at XXXX XXXX XXXX XXXX NC and the physical address was XXXX XXXX XXXX XXXX because the Attorney we hired who was handling everything had committed some fraudulent activity with hundreds of clients just like myself and I wound up with 2 Payments to different lenders at ridiculously high rates and not long after he wound up in XXXX  for this subprime lending scam. 
This is XX/XX/XXXX and this was generated coincidentally on the same exact date that I had called XXXX  complaining about my FICO score being 30 points lower that my XXXX  or XXXX  FICO scores. This regenerated mortgage debt is over 17 years old now and I should not be receiving mail at my Apartment in XXXX XXXX in XX/XX/XXXX for something this old. I am attaching this document and really need your assistance before this winds up on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma
State: TX

Complaint narrative:
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
Asked several times for help. Says dont qualify for deferment since I had one in XXXX which I didnt not request. They automatically did the deferment due to an error in XXXX. Will not work with you despite a pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.

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 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
They claim I owe them money. I have sent them a letter to the president of the company asking for proof of this debt. They did not provide it with me they are in violation of the fdcpa, so if they want to continue to play games we can escalate the issue if they continue to violate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
I make my mortgage payment via phone call every month by the XXXX, after the XXXX a late fee is charged. 
I called in XX/XX/2020 and spoke to a representative. I asked to make a payment and then hear detail about refinancing. I was told my payment was scheduled and then spent over an hour hearing about refinance options. The payment was not able to be lowered as much as another lender offered, so I declined the refinance option. 
I received notice via phone a couple weeks later that I missed my XXXX payment. I told the representative I believed I had paid it, and beyond that PennyMac had just provided a payoff statement to the new lender I planned to refinance with. I asked if I should still make a payment of if this would affect my refinance. The representative said they did not know the answer to that question and would have to speak to their refinance department and get back to me. I never received follow up on this question. 

I received a call from my new lender the following day stating PennyMac sent them an unprompted payoff statement noting I was 30 days late on my mortgage. They also notified the credit reporting bureaus. The new le nder notified me that I would not be eligible for refi anymore due to this. I immediately called PennyMac and explained the situation. The representative and supervisor I eventually spoke with were unwilling to help in any way. I asked for calls to be reviewed, for the refinance department to be contacted so the issue could be reviewed, and I offered to provide phone records which were declined. I have called PennyMac seve ral times over the last 3 weeks to request a letter stating there was an error when processing my XXXX payment. I could then provide this letter to my new lender and still be eligible for refinance. PennyMac is refusing to give any documentation stating such. After several attempts and my request being declined, I suggested that they place blame on me and call it a misunderstanding on my end. They were still unwilling to do that and have offered no recourse. 

Each time I call I have spoken to a different representative, however they all have given the same statement once asked for a letter ; " This is so you can refinance with another company, right? '' I feel as though I am being blocked intentionally and discriminated against because they know I am trying to refinance elsewhere. I have never been late on a mortgage payment in the three years I have had a loan through PennyMac and we have always had good rapport. I would like to end our relationship on a positive note and be provided a letter as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
XXXX XXXX ACCOUNT FOR {$870.00}??? NO WAY!!!! 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I don't really accept that I had this record with these gatherers/leasers. I attempted a couple of times to get in contact with them and solicitation possession confirmation, yet they neglected to give me the significant administrative work to demonstrate that I really own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was approved for a loan modifocation in XXXX. I finally received the permanent loan modification papers in XXXX to let me know to pay the permanent mortgage in XX/XX/2021. I went to pay by cumputer and it would not allow me to pay via my computer so I went to pay at local branch and they said that their system wouldn't allow it to be paidat a branch. please help ... .I 'm scared Bank of America is trying to take me house.

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 2021-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX FOR {$1000.00}??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Copr. is reporting seven accounts to my credit report and have refused multiple requests asking them to validate these accounts with proper documents. They stated that they are " classifying your continued vague disputes as frivolous attempts to dispute information you know to be accurate. '' I am allowed to request and receive these documents. They have not provided any documents that allow me to verify if this is my debt or not. I specifically requested to see my signature but they ignored my request. Several of these accounts have the same medical provider listed and the exact same dollar amount listed.. They did not send me any documents from the source of the alleged debt. They simply typed a date, doctor name, an exam number, and dollar amount below their reply to my request. By them refusing to provide the information I requested I am unable to determine if these accounts are mine or not. 
1st account : XX/XX/XXXX {$630.00} 2nd account : XX/XX/XXXX {$730.00} 3rd account:XXXX {$730.00} 4th account:XXXX {$730.00} 5th account:XXXX {$840.00} 6th account:XXXX {$480.00} 7th account : XX/XX/XXXX {$480.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
With these specialists/leasers, this record had no record that consistently had a place with me. I have attempted a few times to reach them to request proof of proprietorship, however, they have not given me the imperative administrative work to show that I really own this record. Erase this on my report as it truly influences my credit standing.

Company response to consumer: Closed with explanation