vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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 non-monetary relief
Consumer complaint received 2020-08-12 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: The Bureaus, Inc.
State: CT

Complaint narrative:
The Bureaus Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that The Bureaus Inc. reported this entry XX/XX/2017 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

The payment history reported on this account lacks veracity. They report no payment history on XXXX  and XXXX  ; however, they report payment history on XXXX. I never entered into an agreement with this company, yet they are reporting a negative payment each month? Additionally, this collection account reflects terms. There are no terms on collection accounts. This is a violation of consumer law. 

Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by The Bureaus Inc.

To that end, I sent a letter to The Bureaus Inc. ( See attached letter ). This letter has been sent to both addresses reflected on my multiple reports, including XXXX XXXX  XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the anything that verifies this account indeed belongs to me ; yet they have not. 

Consumer law provides that the creditor/company is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that The Bureaus Inc. has no intent to honor nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation, with signatures, to substantiate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: WA

Complaint narrative:
I have disputed accounts on my credit report as identity theft with Experian several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of XXXX. The items reporting are for 2 XXXX   accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted XXXX XXXX XXXX whom XXXX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to Experian, XXXX, and XXXX XXXX XXXX yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both XXXX and XXXX XXXX XXXX directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow Experian has said they have verified them as valid. The only documents XXXX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.

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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 Chase decided to lock my account stopping me from having access to any of my money and said theyre closing my account and dont have to give me any reason whatsoever, they also cant give me and exact date when theyll send me my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I noticed this account on my credit file and was never contacted by the collection agency by phone nor letter. 

I have reached out to the collection agency on XX/XX/2019 and requested verification of debt including original creditor information. I requested information to help me validate the said debt but I never received anything. 

The alleged debt is for the amount of {$390.00}. 

The collection company is also not license to collect in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had a XXXX  and XXXX credit card with the original company, they sold to synchrony bank. Since selling the company I am not getting my statements via mail or electronic delivery. They allow the time to lapse then send me a you forgot to pay your bill email. When I reached out to the company they wanted me to validate my email for the statements. I did that and it is ironic how I am not getting statements but getting the you forgot to pay your bill then they've added late fees etc. This account should have been pretty much paid down and I never see it going down because I never receive the statements only late notices. To me this is fraudulent and predatory lending.

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 2020-08-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date Opened XX/XX/2005 ; Original Balance Amount : {$320000.00}. CIT BANK, NA reported to Credit Bureaus appearing as a Credit XXXX and held a consumer mortgage loan when it was false and provided misleading information. CIT BANK, NA was processing a counterfeit note involving a construction loan that was not my obligation which CIT BANK, NA is with information that they were attempting to collect a debt that was unsecured and procured by fraud. I filed a police Incident # XXXX, Case # XXXX, Classification XXXX XXXX, Identity theft. Account number XXXX. CIT BANK, NA has 10 days to produce loan application documents verifying it was the originating financial institution or was an entity that assumed a valid and enforceable not and or was servicing the original lender involved in a purported consumer mortgage loan pertaining to a real property purchase or refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX/XXXX  Had posted a hard inquiry on my credit report and I have never applied for anything with this company its fraud!

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 2020-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOLL BROTHERS INC
State: ID

Complaint narrative:
On XX/XX/XXXX I enter a building contract with XXXX XXXX, a Toll Brothers Company. I gave them the required {$2000.00} earnest money deposit and completed the VA Loan application that very day. I was approved for the loan within the hour. XXXX XXXX began construction on my home in XXXX, XXXX. However the Covid 19 Coronavirus struck in XXXX and basically shut XXXX XXXX   down. I have experience nearly a {$50000.00} lost in income and as of XXXX was disqualified by TBI Mortgage for their new home. TBI Mortgage is owned by Toll Brothers, who also owns XXXX XXXX. Under the VA Loan program and the Mortgage Contingency Clause, should I fail to qualify for the loan I am entitled to receive a refund of my earnest money of {$2000.00}. XXXX XXXX has threaten me with a lawsuit of not less than 5 % of the cost of the home, which was {$390000.00}. I was also threaten with arrest for trespassing if I was ever found to be on the construction lot without prior approval. Because I am a XXXX  XXXX   XXXX/XXXX/XXXX, I take the Building and Fire Codes rather seriously. That is not the case with XXXX XXXX or the City of XXXX Idaho who was responsible to conduct all Building Inspections. They both failed terribly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
I disputed a bankruptcy to be removed from my credit report because its been over 7 years. Experian investigated for accuracy which is not the problem. I know that its accurate because I filed. I disputed the bankruptcy because I have fulfilled the time requirement for it to stay on my credit report and would like it deleted.

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 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On our XX/XX/XXXXmortgage statement, my wife and I noticed a charge IAO {$500.00} for a vacant property preservation and a vacant property fee IAO {$500.00} which were both incurred in XX/XX/XXXX. Since we built this house in XXXX, this house has never been vacant and we have never been late on our payment with our servicer. None of the criteria necessary existed to trigger these events/charges. 

We called the mortgage company on XX/XX/XXXX and advised them of the situation and were advised this issue and charges would be resolved as they agreed the charges were not accurate and added in error. The resolution letter received 10-days later only gave the reasons this type of fee would have been added to an account. Again, we already understood why something like this would occur, but none of the events necessary actually occurred. 

The same charge appeared on our XX/XX/XXXX mortgage statement for which we called the mortgage company again and was assured this issue would be resolved. No resolution letter was ever received from the company from the XXXX dispute. 

We have now received our XX/XX/XXXX statement and the same charge is appearing. We feel we have now exhausted our options in dealing directly with the mortgage servicer and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
In XXXX we did a loan modification. As part of the modification there was a {$70000.00} deferred amount included in the loan. In XXXX we did another loan modifications. Both loans at that time were with XXXX XXXX XXXXXXXX. On the 2nd modification, the XXXX, XXXX deferred amount was reduced to {$56000.00} and the interest bearing part of the loan was increased and 8 years was added to the length of the mortgage. That modification was finalized in XXXX of XXXX. In XXXX of XXXX, XXXX XXXX XXXXXXXX sold our mortgage to Shellpoint Mortgage servicing. The terms of the mortgage were to stay the same. {$56000.00} deferred with an interest bearing amount of $ {$200000.00} with a total balance of {$260000.00}. Shellpoint has misapplied that mortgage and instead of showing the new balance in the deferred part as {$56000.00} they have decided to add in the {$70000.00} deferred amount from the first modification to the loan. The looked at the Clarity Commitment and completely misinterpreted it, Instead of understanding that the clarity statement was explaining what factors and figures used to arrive at the new figures. They decided that it meant they need to add those figures to the new modification. So, we are now showing our new total balance as over {$330000.00} which is more than we have ever owned on the home. We have had several long conversations with both Shellpoint and XXXX  XXXX XXXX and XXXX  XXXX XXXX has confirmed that Shellpoint is incorrect. But Shellpoint has taken the stance that we have to " prove it '' even though they have the Fannie Mae paperwork right in front of them. We have asked Bank XXXX XXXX to put something in writing for us but it has been weeks and we seem to be getting the run around at every turn. Our frustration is rising as every time we call either bank we are on hold for hours on end and have to start from the beginning every phone call. We are unable to get a resolution as the why {$70000.00} of our money is being held XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Kohl 's Department store calling me at all hours of day and night with robo calls. When blocked or reported, they use a new number. They don't stop even when I called them and told them of the situation. They are relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. Two days later, I tried to access my funds at a chase ATM and the transaction was declined. I was then given a receipt with a XXXX number to call. I tried to call in but unfortunately the wait time was over an hour. The next day, I decided to head down to the nearest Chase branch and speak with a Branch Manager. Assuming chase just wanted to verify my identity, I brought with me all supporting documentation, three forms of ID, SS Card, and my signed Loan Authorization and Agreement ( LA & L ) directly from the SBA. On XX/XX/2020, I spoke with Branch Manager XXXX XXXX and explained my situation to her. She verified 2 forms of ID and stated she would call the specialist/fraud department to see what was going on. Upon her return she stated that i would need to provide a EIN number or Article of Organization in order to access my funds. Why do I need this information if I'm an XXXX XXXX???? I then explained to her that since I structure XXXX XXXX as an XXXX XXXX by law I dont need that information to operate XXXX XXXX. I opened this personal account specifically for this loan plus accounting reasons and to fulfill all the necessary requirements and guidelines regarding this loan. Its not right that they are freezing this money solely because it was deposited in a personal account instead of a business account when the SBA clearly verified all my account information prior to disbursement of funds. Due to these poor business practices, I have no capitol to pay rent or feed my kids. I relied on this loan for many business needs/payroll to myself especially and this bank has crippled me from carrying out my day to day operations. Its totally unacceptable that they freeze my funds when SBA clearly approved me for the funds to be deposited into my personal checking account due to me being an XXXX   XXXX. This bank clearly needs to do more research on the laws and requirements surrounding independent contractors because we are not required to have EIN numbers or Business Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
im tired of explaining and consumer finance. gov is just as negligent as equifax. im fed up And feel I have grounds to file suit for negligence along XXXX  damages for not fixing my credit resulting in my loss of a vehicle plus nemerous othrr costs. i have a company trying to unravel equifax failure to report timely XXXX  accurate info and theve informed me its been over a yr since they reported and thats incorrect information. who do i contact to to pursue a suit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RateGenius Loan Services Inc
State: ID

Complaint narrative:
Today XX/XX/2020 I visited RateGenius.com/refinance to check rates without having my credit pulled ( I am in the middle of qualifying for a home this week ). The site specifically states " Shop for a better auto loan with no impact to your credit score. You could lower your monthly payment and save some serious cash! '' This was the only reason I chose this site. I couldn't have any pulls on my report. I never had to supply my ss #. Sure enough and hour later, I have not one but two credit unions pulling my report thousands of miles away. I contacted customer service ( after having to freeze all three bureaus ) and she  stated by hitting submit I authorized this. I showed her the website page and what it states. No response. I asked for no further credit inquires and for the removal of the two on there and she said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I received an offer letter to make a settlement payment of a debt of {$310.00}. 
I called the number on the letter and spoke to a rep. I requested a proof the debt belonged to me along with original creditor. 

I never received the requested information but the agency continued to call me. When I asked the rep to provide the information I requested so that I may verify the debt, she yelled at me and stated they have the right to sue me. 

I never received proof the said debt belonged to me. 

I spoke with two reps the second rep I spoke to was in XX/XX/2020.

Company response to consumer: Closed with explanation