vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
I have tried to work with my mortgage company and submitted everything they have asked. They placed a foreclosure sale date and stopped my review for help. They advised because they had not received documents but I have been sending them documents for months now with no resolution from them. 


Please help me save my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 an unauthorized transaction was debited from my Sun Trust account I was at the bank in the teller drive thru when it happened i went inside the bank the manager called the fraud department filed the claim I'm at the bank. In five business days they credited my account {$500.00} while the claim was being investigated i tried on multiple occasions to provide documentation via email but the email address was wrong now to rebut i need a printer and a fax Sun Trust told me they don't believe me and that this seems to be a valid charge this is a scam but with all that i said don't pay it it was pending for 3 days they need to get my money from cash app the person that charged my debit card this is not like Sun Trust will be paying for this just get it back, this is social security XXXX money and its mine not Sun Trust they can not say we don't believe you and pay something i said don't pay

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 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company XXXX XXXX XXXX XXXX mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with Unifund CCR Partbers A XXXX XXXX XXXX prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Hello ; how can you be late 120 days on collections account for {$800.00}? Isn't the collection account by default late and past due? This is a violation of FCRA and it's causing this account to illegally re-aged. 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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent letters out certified over 90 days ago and still have not been notified. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done. I'm a single mother of XXXX and life is hard enough as it is without having this extra burden on my shoulders.

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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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:
Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Hi, how can you be late and past due on collection accounts? Why are you failing to provide me detail request to validate this account? 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 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 2020-10-30 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: GA

Complaint narrative:
The other credit bureau deleted my late payment of my student moan but experian have not and I've been trying to reach out but no answer or response. Everytime I dispute the item they update it and I think times unfair to me that bothe XXXX  and XXXX  have deleted the late 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 2020-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX had engaged in a lawsuit against FRAUDULANT COMPANY XXXX XXXX in XX/XX/XXXX- ( claiming their banks practices were hurting their sales ). Portfolio recovery associate LLC ( XXXX ) Rewarded vs. XXXX XXXX, Portfolio Recovery Associate, claiming owner of the crediting care the changed converting credit card into a Fraudulent obsolete XXXX expired credit into a New credit with activity in XXXX claiming owner created a credit card called a ( XXXX XX/XX/XXXX ). Synchronys partnership with XXXX XXXX XXXX as third partys Master Credit card debt complaints. Predatory XXXX XXXX, and XXXX XXXX claiming owning Portfolio Recovery Associate LLC Debt collector XX/XX/XXXX Order Judgement receive in the amount to pay {$8300.00} and court costs in the amount of {$410.00}, for all the above let execution issue claim to represent XXXX XXXX XXXX as third partys XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX Claim distressed Repeatedly sent Misleading debt collection letters. Extra fees and charges and card expired statute of limitations has expired. Refusing to stop calling when ask them to be on Do Not Call List. Judgement for the letter claims, overcharging XXXX Credit Management. Policy, which is different from the privacy policy of XXXX. Violate the law by making fraud and double payments. XXXX XXXX. 

The XXXX XXXX Weighted Goods Class Action Lawsuit. XXXX XXXX is not XXXX XXXX divorce from the credit card issuer XXXX XXXX, breaching their agreement for credit cards issued to XXXX shoppers, contractually defined process for valuing the loan portfolio that XXXX has serviced, failed in the most basic elements of our agreement, including its promotion of the card program both in stores and online. XX/XX/XXXX. XXXX Lost XXXX Card Deal in Battle With XXXX ... 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: FL

Complaint narrative:
Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: FL

Complaint narrative:
Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-10-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.

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 2020-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: MT

Complaint narrative:
On XX/XX/2020 I took out a pay day loan with blue trust loans, however I did not know the annual interest rate was 637.77 %!!!!! Basically they are taking out {$180.00} weekly which know I have I have paid about {$1600.00} and by the time it is done I will have paid {$6600.00}!!! How is this even legal??? Ive made {$1600.00} in payment and the balance has not budged! I feel I was taken advantage of by Blue Trust loans ( aka hummingbird ) ... I was financially vulnerable at that time in my life and I was desperate for money and was not not notified on the phone about these outrageous interest or finance charges. Needles to say Im very upset and now Im an even worse situation then before!

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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing to you about the following Kimball Tirey & St John account # XXXX, original creditor : XXXX XXXX XXXX XXXX opened date : XX/XX/2014, original amount : {$5800.00}. 

This company has fail to do the right thing. They are committing so many violations by re-aging the account, conflicting report from one bureau to another, negligence and unfair practices. 

I am demanding to get the item off my reports as a compensation for all the violations and damages ( psychological stress, credit score drop, blocking me from getting credit cards, high interest rates in actual loans ). 

Attached documentation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX my chase freedom credit card was charged {$2000.00} for a transaction I did not autherize. I disputed charge on XX/XX/XXXX. When I contacted chase to dispute they did not reverse card stating chip was used and I had the card after. When I requested any information pertaining to purchase, even a receipt I was given nothing. I asked that it be reviewed and escalated. I was told I would hear something in about 2 weeks and never heard back. I called back at the end of XXXX because I never heard back. I was then told it was escalated but never reviewed. This is MONTHS later. I was again told they were not investigating because it was a chip purchase even though I did not make the purchase and have no idea where the purchase came from. I closed the account at this point because of the horrible horrible customer service. This is unacceptable and they have done absolutely nothing to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TX

Complaint narrative:
The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
Experian : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation