vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
I contacted Consumer Portfolio Services in the first part of XXXX and let them know that I was suffering from the XXXX XXXX  and was unable to make my payment and was seeing if there was any assistance that they could offer me. This is when I cam in contact with XXXX, the department manger with Consumer Portfolio Services. He stated that he was terribly sorry for the situation that I was in and stated that they could approve the extension for the months of XXXX and XXXX. I then started getting phone calls from them again and representatives stating they were calling to collect on both months. I spoke with XXXX again on XX/XX/XXXX, when he advised me that the extension for the month XXXX had yet to be processed and that the extension for the month of XXXX was not approved after all. The month of XXXX extension having yet to be processed, caused me to receive a credit marker as well as earn a late fee with the company and on my credit report when arrangements were already made with the company and thought to have been resolved to prevent the credit marker. Then, to be released from the hospital only to find out the company had not processed anything for me and now I have the late fee and credit marker removed. Not to mention I had to take the last of my rent and medication money to pay the XXXX payment that he advised was approved for extension as well. I was then forced to submit a request for a " pre-approved '' extension on XX/XX/XXXX after expressing concern over the date on the document and that it made it look like I was requesting the extension late when I had originally requested them at the first of the month. All I was trying to do is get better and survive and took for granted that XXXX would do the things promised. Just to discover that they had not done anything promised, but instead, allowed interest, late fees and credit markers to accumulate during a time of DIRECT SUFFERING of national catastrophe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I was in contact with Barclays Bank of Delaware over a year ago in regard to this fraudulent account. 

The fact that XXXX XXXX has placed a collection account in my credit report without any documentation notifying me of their intent, is against the consumer laws. 

Im a government employee, and my job is contingent upon my credit background

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, In XXXX I filed chapter XXXX b.k. with my spouse. My primary home loan and house was with JP Morgan Chase. From XXXX forward Chase did not report any activity on my account. In XXXX of XXXX Chase sold my mortgage to another lender. When that happened I was getting flashes from XXXX XXXX, XXXX XXXX, and other credit agencies that I had a fresh new bankruptcy. The only b.k. I had was in XXXX XXXX. I went into the branch of Chase here in XXXX. The manager had me talk with the mortgage department via telephone. The person on the other end stated they marked my account twice. Once as closing it. Once as stating it was part of a bankruptcy. Chase refused to change their two remarks regarding the sale of the mortgage. I complained to XXXX XXXX via a letter and never heard back from them. It has been close to 60 days since that written complaint. It seems as though assets and accounts in bk are to be reported once. As part of the bk. Not as a fresh bk which drove my credit score down by over 30 points on XXXX XXXX. It is false information which no one will take responsibility for. I would appreciate any help you can provide. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: NCB Management Services Inc.
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Shellpoint, the servicer is rarely available to assist with my account. I emailed and called and left messages with little to no response from the " point of contact '' representative. I have waited on hold for over 3 hours plus to attempt to make payments. I spoke with a manager over 2 months ago to report the issues and was told he'd call me back but he never did. My account was transferred from XXXX  at the end of XXXX  in an approved status for a  modification and I just got the paperwork. They sent me documentation that was incorrect. This has been the most stressful and frustrating process I've ever experienced. The unreturned communications occurred countless times. I've complained to several representatives and management of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
I started my modification back in XXXX with the help of legal aid services. My modification was completed in XXXX of XXXX. I have been trying to get a copy of the final modification paperwork from CMG mortgage for a year now to no avail. I also was out with Covid 19 and not being paid. I work for XXXX  and plan to return to work the XXXX of XXXX. CMG stated that the would put me in forebearance but that i would have to pay a lump sum when forebearance ends on XXXX XXXX but they never sent any paperwork. CMG has tacked on numerous fees towarda my balance, some that i do no believe to be legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AZ

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC MOBILE Banking has a plethora of issues, including, but not limited to, frequent online banking and mobile app maintenance and down time, issues connecting with third-party companies through Online Banking, issues keeping balances up to date and accurate on checking accounts, and an issue where posted transactions change frequently either adding or subtracting from available balance and causing difficulty managing account and making it easier to overdraft and then get charged several Overdraft fees of {$36.00} each. When confronted with these issues, PNC employees deny any liability for such instances and blame the companies that charge the account, saying that it is their systems and how they bill my account that makes my account so inconsistent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 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: NV

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$180.00}

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 2020-04-29 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: NV

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$180.00}

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 2020-04-29 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: AZ

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 2020-04-29 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX XXXX  {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
IN XX/XX/XXXX REGIONS OFFERED A {$5.00} CREDIT INTO MY CHECKING ACCOUNT IF I USED A PROMO OFFER WHERE I USE MY CHECK CASH/DEBIT CARD AT XXXX. I USED THE CARD AT XXXX DURING THE PROMO 2 DIFFERENT TIMES, SO ONE OF THOSE TIMES I WAS TO RECEIVE THE {$5.00} CREDIT BACK INTO MY CHECKING. I NEVER RECEIVED IT IN XXXX, XXXX OR XXXX. SO I CONTACTED THE REGIONS BANK SOLUTIONS CENTER ( TICKET NUMBER XXXX ). THE EMAIL I RECEIVED FROM THEM AFTER I FILED THE TICKET STATED THEY HAD RESOLVED THE ISSUE, BUT DID NOT EXPLAIN TO WHAT DEGREE IT WAS RESOLVED, SO I TALK WITH XXXX IN THAT DEPARTMENT AND SHE TOLD ME " THE MONEY WOULD BE DEPOSITED INTO MY ACCOUNT IN XXXX. IT NEVER WAS. SO I CALL TODAY AND THEY ARE PUTTING ME OFF AGAIN AND SAYING IT WILL BE XXXX. THIS HAS BEEN GOING ON LONG ENOUGH. IN XXXX. REGIONS TOOK DOWN THE {$5.00} XXXX OFFER SO I COULD NOT PROVIDE A SCREENSHOT OF IT. REGIONS SHOULD BE HELD ACCOUNTABLE FOR THESE KINDS OF BUSINESS PRACTICES. MAKING OFFERS TO CUSTOMERS AND THEN RETRACTING THEM OR NOT HOLDING TO THERE WORD. THEY SAID XXXX XXXX XXXX THE FUNDS WOULD BE IN THERE IN XX/XX/XXXX AND NOW THEY SAY XX/XX/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
Consumer complaint received 2020-04-29 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: TrueAccord Corp.
State: CA

Complaint narrative:
XXXX knows that my dispute with XXXX XXXX for {$230.00} originated beyond the 7 year date. They keep trying to re-age this account and XXXX XXXX pushes the date back so that I would contact their debt collector, True Accord, whose account is XXXX and pay on old debt. To date, they havent removed it from my credit report, costing me a XXXX job, that pays $ XXXXyear! I want this removed from ALL my credit reports immediately and I want them to pay me damages for losing this job and countless other jobs before this! Ive lost many years of my life and being Unemployed, they are liable to pay me for lost wages, anguish, humiliation and emotional distress all for {$230.00} that was OLD DEBT BEYOND 7 YEARS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: MI

Complaint narrative:
XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: MI

Complaint narrative:
XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE

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