vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I filed for chapter XXXX bankruptcy. It started XXXX. I was discharged on XXXX. Capital One purchased XXXX sometime after that. When I do not know. Capital One received a debt which my lawyer missed on my credit report. Capital One sold it to XXXX XXXX. XXXX has called my job everyday for 4 years seeking payment. When I told them my XXXX debts were absolved in bankruptcy they said no they weren't. I filed a zero assest, total liquidation Chapter XXXX bankruptcy. I filled for XXXX dollars in debt to cover all of my debts even ones possibly missed. This debt was an XXXX XXXX card managed by XXXX. Capital One has acknowledged this is an account received from XXXX. Capital One has acknowledged this to me in phone calls. This debt falls under the no harm no foul rule. I have paid with ten years of my life. When I disputed the debt it reset the clock on how long it can remain there. This is also unfair. I am not legally bound to this debt anymore. I should not have to pay a debt from over ten years ago that was discharged. This is a violation of my Chapter XXXX rights. My lawyer has since passed away and closed his office. I am considering suing XXXX XXXX and Capital One. The sale of this account and its subsequent collection is ilegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC
State: NV

Complaint narrative:
I keep getting phone calls to my cell phone at XXXX XXXX ( in some cases straight to voicemail ) from supposedly TitleMax at XXXX XXXX saying I ( they think I am a guy named XXXX ) need to resolve it now or they would take legal action. Every time I call them I am told my number will be removed, usually after an interrogation ( I give no personal info beyond my clearly not XXXX gender and my name plus the fact that I have zero loans with anyone ). They clearly do not remove my number. I am only person in household, am not XXXX, don't know XXXX, have no mortgage, have no car loans, -- my only debt is credit card and store neither of which I believe TitleMax handles even if I were XXXX.

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 was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$530.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: OH

Complaint narrative:
I want to start by stating that I am a elder veteran who is being taken advantage of and pressured into paying for an account. Furthermore, Meridian financial services is ruining my credit rating and affecting my ability to obtain credit. They took an account which they state is " one account '' in the correspondence they sent me and broke the account into 4 separate accounts on my credit reports. When I asked the credit bureaus and the collection agency to validate every account reported they are saying it is accurate. Actually, XXXX  even has them listed as an ATTORNEY which I believe is actually against the law to my understanding. Initially, I received a letter from Meridian Financial Services dated XXXX XXXX which stated I owed them {$7900.00}. More recently I received one stating {$6100.00}? First off, I never signed a contract with this organization and have since requested where in the original contract with the creditor did it state I would need to work or communicate with this collection agency. Furthermore, I received notification from the original creditor that the mortgage was satisfied and paid in full yet, this collection agency is reporting over $ 6k in separate payments ( which I have attached all of this documentation ). On just my XXXX   alone ( which has them listed as an attorney ) there are accounts in the amount of {$640.00}, {$2200.00}, $ {$2200.00}, {$890.00}. How can this even be the case when the mortgage was paid/satisfied and somehow they say I still owe them money for 1 account yet there are four accounts? I am confident I am being taking advantage of and they are trying to steal money from me even during this pandemic.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a phone call from Midland Credit Management stating that I owed a debit. I requested they send a debt validation letter on numerous occassions. I was told they could not send another letter out because one had previously sent one and were only required to send one. I stated they were using an incorrect address, and I would need to have the letter sent before agreeing to pay for anything. I gave them my updated address and explained that I had not lived at the previous address in YEARS. We didn't even live at that address when the supposed debt incurred. No such letter ever came, and I disputed it on my credit in XX/XX/2020. It was removed from my credit, however I am now being sued by this company even though they have never validated the debt. There also seems to be a payment made on the account on XX/XX/2020, which is invalid as I have never accepted this debt nor made payments because I never received the correct validation.

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: FL

Complaint narrative:
The forbearance period ShellPoint servicing is offering I feel does not comply with the recently passed CARE law. 

My understanding is ShellPoint Mortgage Servicing will allow a forbearance of a maximum of 90 days then the full amount owed is do ... 

Hence if your payment is {$1000.00} a month and you miss 3 payments you will owe {$3000.00} after the 90 days.

I do not see how this is helpful? The 3 missed payments should be added to end of the loan not within 90 days.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion reports a charged off credit card with XXXX XXXX XXXX. This account does not 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 2020-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX DBA XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$530.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I found a collection are fraudulent account this is a 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 2020-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Some one hacked into my Regions Bank account and enrolled me into XXXX and withdrew {$500.00} from my Regions Bank account the persons name that is listed on the transaction is XXXX XXXX XXXX. I have never heard of XXXX and did not know who they were. When I loged into my regions account thats when i was hacked and someone had a virtual connection of my computer using XXXX XXXX. This person XXXX XXXX stole {$500.00} from my Regions Bank account using 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 2020-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a phone call from XXXX XXXX XXXX stating that I owed a debit. I requested they send a debt validation letter on numerous occassions. I was told they could not send another letter out because one had previously sent one and were only required to send one. I stated they were using an incorrect address, and I would need to have the letter sent before agreeing to pay for anything. I gave them my updated address and explained that I had not lived at the previous address in YEARS. We didn't even live at that address when the supposed debt incurred. No such letter ever came, and I disputed it on my credit in XX/XX/2020. It was removed from my credit, however I am now being sued by this company even though they have never validated the debt. There also seems to be a payment made on the account on XX/XX/2020, which is invalid as I have never accepted this debt nor made payments because I never received the correct validation.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I found a collection are fraudulent account this is a identity theft

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found a collection are fraudulent account this is a 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 2020-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I purchased an item on XXXX which is a mobile phone application for selling and buying various items. After purchasing, the seller canceled the purchase and raised the price due to them " realizing '' their item is worth more money than what I originally paid for. So since I originally paid for the item before the cancellation, the money was deducted from my Bank of America checking account. And I wasn't able to afford the new price because it would take a day before the money from the original purchase would be refunded to my bank account. So the seller encouraged me to send them money through XXXX, which is a money transferring service I can access through my Bank of America account. The seller offered me a lower price of {$550.00} which I could manage to pay until I received my refund for the original purchase. The seller has XXXX through Bank of America aswell. So i transfer the {$550.00} to the seller through an email that they provided me. Everything goes through and I receive an email confirmation from Bank of America stating that the transfer was successful. After the transfer, the seller responds by thanking me and giving me shipment details, hours later the seller forwards me an email from Bank of America stating that the email I sent the money to was removed from their account. So the seller says they can't see any money in their bank account. However, when I call Bank of America they confirm that the transfer was successful and was deposited into a Bank of America account under the same name and email as the seller. But the seller denies being able to see the funds in their account. On XX/XX/2020 I continue to work with the seller to try and find a solution, and they seem genuine and seem like they're trying to help, but whenever I suggest that we both get on the same call with Bank of America they always avoid the question and tell me to call and get it figured out on my end. So we don't make any progress on XXXX, XXXX 2020, and then on XX/XX/2020 I try to get in contact with them through email and they stop responding altogether, I also check their account on XXXX and they've re-posted the item, trying to sell it again. I've tried multiple times to get help from Bank of America but they say they can't do anything about it because I authorized the transfer. I opened a claim for them to basically call the owner of the bank account and ask them to release the funds but they may choose to keep them if they wish. So there really is no sure way to get my money back.

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 — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I WAS SCREWED OVER BY XXXX IN XX/XX/2019 WHEN MY MORTGAGE WAS TRANSFERRED OVER TO THESE XXXX. DURING THE TRANSFER I WAS TO START MY FIRST MODIFICATION PAYMENT EXCEPT THEY CANCELLED THE MODIFICATION IN XX/XX/2019 BECAUSE NO PAYMENT WASE RECEIVED. DURING A MODIFICATION THE HOLDER HAS 30 DAYS TO MAKE THE PAYMENT. WITH THAT SAID IT TOOK PHH 8 MONTHS TO APPROVE ME ONCE AGAIN FOR A MODIFICATION. 

I WAS APPROVED IN XX/XX/2019 ACCEPTED IN XX/XX/2019 AND FIRST PAYMENT TO START IN XX/XX/2019. I MADE 3 PAYMENTS XXXX, XXXX AND XXXX ON TIME, MAILED THEM IN WITH MY APPROVED TERMS EACH TIME. MY FIRST PAYMENT WAS APPLIED AND PHH TOOK MONEY THAT WAS SITTING IN SUSPENSE TO INCREASE THE PAYMENT. MY NEXT PAYMENT IN XXXX WAS PLACED IN SUSPENSE AND NEVER APPLIED TO THE MORTGAGE. MY THIRD PAYMENT IN XXXX WAS SHREDDED AND RETURNED TO ME STATING IT WAS NOT ENOUGH TO COVER WHAT WAS DUE. I SENT IN THE SAME AMOUNT EACH MONTH ALONG WITH WHAT PHH APPROVED ME FOR.

PHH IS A BUNCH OF XXXXXXXXXXXXXXXX  THAT HAVE INCOMPETENT PEOPLE THAT CAN'T OPEN AN ENVELOPE LOOK AT THE PAYMENT ALONG WITH A COPY OF THE APPROVAL AND APPLY THIS TO MY MODIFICATION. NOW TODAY A YEAR LATER PHH CANCELLED ME AGAIN NOT MY FAULT BUT THE FAULT OF PHH XXXX AND LEFT ME ONCE AGAIN WITHOUT A MODIFICATION. 

THEY DONT GIVE A XXXX  ABOUT RUINING THE LIVES OF AMERICANS AND MAKING YOU LOOK LIKE XXXX  IN FRONT OF THE INVESTORS. BE PREPARED FOR A XXXX  OF COMPLAINTS BECAUSE I AM 1,000 % TANKED AND CALLING YOUR CALL CENTER WILL NOT HELP. AGAIN MORE XXXX IN XXXX THAT CANT HELP AND IT TAKES HOURS TO SPEAK TO SOMEONE IN THE GOOD OLD USA OF AMERICA XXXX YOU WILL BE SORRY YOU XXXX ME OVER ONCE AGAIN

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello CFPB. Please send the following documents to Capital One. Thank you!

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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I lost my job in the middle of XX/XX/2020 and because of the COVID19 crisis I've had difficulty paying my mortgage. My mortgage is through Chase Bank. I've tried calling chase bank dozens of times but I can not get a hold of anyone willing to help or explain my options to me. 

I keep getting a recorded line that tells me the " only option they offer '' is a forbearance period of 3 months after which the ENTIRE unpaid loan balance along with the 4th month 's payment will be due. This means they offer the option of pausing mortgage payments for 90 days, and on the 91st day, the entire balance of the previous 3 months in addition to the 4th month 's mortgage payment is due. 

This is predatory and completely unreasonable as a forbearance option. This is clearly not a good faith option Chase bank is offering. Chase bank 's representatives has refused to discuss anything further with me and have stopped responded to my email requests at communication. 

As per the : Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation National Credit Union Administration Office of the Comptroller of the Currency Consumer Financial Protection Bureau statement made XX/XX/2020, this goes against the " good faith '' clause outlining bank 's responsibilities to offer " good faith '' options for borrowers struggling with the COVID19 situation. 

The link to the statement is here : https : XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
The company called to collect a debt. I tried to explain to the representative that the country is currently in crisis. I dont have money for non-essential items, therefore I did not have extra money to pay a past debt. The representative then asked if I had a credit card or tax money to pay the debt with and I think that was completely in appropriate. After the call the debt was then reported on my credit report as a negative collection item which is unfair at this time. This pandemic is barely giving me money to keep up with my current bills let alone paying on a past due account. Bill collectors are not essential businesses so why are they even open and trying to take money form people at this time. I have received numerous calls everyday for about two weeks now. It is harassment at this point. I want the calls to stop and for these people to be a little more understanding at this time. And also for this item to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
First of all, I was not told the interest rate when the card was thrown on me, I was force to use it, when I wanted to pay for it, and when I got mail from them, the interest were to high, so I call them and told them my score wasn't right, which they said it was XXXX, and I know for a fact, that they would never give me a card, if it was low, because I apply for one, when it was it were over XXXX and they turn me down, so someone is lying, I need someone to look into this PLEASE I got the mail on XX/XX/2020 from XXXX 's that the day I talk

Company response to consumer: Closed with explanation