vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX  Date  XX/XX/XXXX  Dear Credit Collection Services After viewing a copy of my credit report, I noticed (   XXXX   ) collection accounts placed on my credit report from you in (   XXXX   XXXX   ) Acct #  XXXX  in the amounts of {$270.00} and {$71.00} from  XXXX . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely,   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I can no longer get access to my credit report  ( s ) fr om ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repor t ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busi ness days. I further DEMAND that all the disputes be FINALLY, corrected and updated.

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 non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I can no longer get access to my credit report  ( s )  from ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repo rt ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busine ss days. I further DEMAND that all the disputes be FINALLY, corrected and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The accounts in question funds where not returned after an approval was given and then closed after they got my money. The bank sent a letter stating the balances that total {$120.00} were applied to a previous balance owed. My attempts to get the total amount owed from this balance minus the {$120.00}, that I feel was stolen and applied to this mystery balance have not been successful. I have also not been successful in having it stated that the satisfaction of this mystery balance will be removed from all third party reporting agencies if satisfied.

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 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had trouble using my  Chase Sapphire Proffered and Chase Sapphire Reserve credit car ds on or about  XXXX   XXXX , the transactions were declined. The vendor told me he had some issues with his terminal so i did not think anything was wrong. On Sunday  XXXX   XXXX  I had the same issue at another vendor and contacted Chase immediately and found out that as of  XXXX   XXXX , my accounts had been closed without any prior notice. All the supervisor could offer was that my account was closed " because their affiliate was ending their banking relationship with me. '' I received a letter from Chase advising me of the same on Tuesday  XXXX   XXXX . I have no idea what that means and the supervisor could not explain it any further other than repeating the same sentence.   I was advised by  Chase  Customer Service that the only way to get further info on this matter was to send a fax to their  executive  offices at  XXXX  and that a  Chase case manager would get back to me in 24 - 48 h ours. I sent my fax request on Monday  XXXX   XXXX  at   XXXX   XXXX   and as of Thursday  XXXX   XXXX  at   XXXX   XXXX   I have received no response from Chase, more than 96 hours later.   .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
this will be an update to my  CFPB/Regulatory Case Number  :  XXXX  dated      XXXX   XXXX   2017.    I have repeatedly tried to get the deed-in-lieu of foreclosure documents from  Bayview Loan Servicing LLC.  to allow me to start the process.   on   XX/XX/XXXX ,  I receive a  XXXX  mail asking me to start the deed-in-lieu documentation ; NO Documents were included to start the process. I have asked verbally to  XXXX   XXXX   XXXX  for the documents, for three weeks thru   XX/XX/XXXX , I have writt en to Bayview,  XXXX   XXXX   XXXX  and his manager  XXXX   XXXX   XXXX , on   XX/XX/XXXX  and  XX/XX/XXXX   via USPS, asking for written confirmation of receipt of these letters. No confirmation was received to either.   Finally on   XX/XX/XXXX  I r eceive the correct blank documents from Bayview, I have the coverdoc. from  XXXX .   next day   XXXX / XXXX /2017 I t ook the completed docs to  XXXX , at mid-afternoon EST, the fax machine at  Bayview, was inoperable, within the time suggested by Bayview  :  XXXX  thru  XXXX  MST. Sat   XXXX   XXXX   / XXXX /17 I  returned to scan the docs to a  USB drive,   returned home and emailed the nine pages ( as attachment  ) to    XXXX  XXXX  XXXX . the email never arrived. Wednesday   XX/XX/XXXX , I re-sent the same em ail with attachments to  XXXX   XXXX  and  XXXX   XXXX , consumer advocate a t Bayview. I have no email confirmation from Bayview. Toda  y  XX/XX/XXXX  I rece ive notice my application for deed-in-lieu process, is too late to delay the  Sh  eriff 's sale. Please ask Bayview a nd  XXXX   XXXX , about the three week delay in   XX/XX/XXXX , a nd now it is too late!?   I am very disappointed by the lack of professionalism, and very slow communication by Bayview and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
We opened an account with the company in  XXXX . After a few years of using the credit card we destroyed the card and no longer used it. The amount charged on this card was approximately {$6500.00}. We paid on this card for almost thirty years and as of today, they are still saying we owe them money. I do not see how this could be possible. I later received a notice from them about this ( sometime in  XXXX  ) and agreed to pay  XXXX  per month ( with all to be applied to principal ), which we did. In  XXXX , I received my last statement from them and assumed the debt had been paid in full. Much to my surprise in  XXXX , they had turned the account over to an attorney for collection. Each month they would add on a fee for about {$45.00} or {$50.00} for some type of insurance. We did not agree to this being added to the account and they were told to remove this from the account. Bottom line is they say we owe them a substantial amount of money that we do not agree with as there have been no transactions whatsoever on this account in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE Finance   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX  Dat e  XX/XX/XXXX  Dear C  MRE Finance  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in (   XX/XX/XXXX  )    on my   XXXX   report. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA  authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA compliant can be a violation of the FDCPA becaus e you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Sincerely,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: TX

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I wrote a letter to  Smith Rouchon  requesting " verification of proof '' that I owed this debt. This medical bill occurred with an accident at my employer site and workers compensation was authorized to pay all my hospital debt. I called this company in  XXXX  and advised them to call my employer  Human Resources department so they may re solve this matter. The debt collector indicated they called but never received the payment. When I contac t Smith Rouchon and   ask for documentation the agency contact there refuse to provide me any information in writing. Per the Fair Debt Collection Practices Ac t, 15 USC 1692g Sec. 809 ( b ), this  is a violation of my rights. I can provide the certified letter with signature of receipt as proof that I attempted to request this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SKO Brenner American, Inc.
State: CA

Complaint narrative:
While living in  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  alarm company provided alarm service to my house in  XXXX . In  XXXX  of  XXXX  I notified them by phone that I sold my house. I asked if they provided service for  XXXX ,  XXXX  where my new house was located. They told me that they could provide this service.     I asked them to disconnect my alarm system so I could take the wall unit with me to  XXXX . A  XXXX  employee said they did n't have an employee to do this, since somebody was dismissed, or quit. Instead, someone talked me through disconnecting the wall unit for the alarm system.     After arriving in   XXXX   I called them at least three times to request that they install the alarm system in my house. They said they would, but could n't give me a date. Every time I talked to them they said they needed to recover the contact points from my old house first, before they could install in my new house. I gave them my realtor 's phone number to aid them. This went on for three months, from  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . At this point I called and said that I had been without service for three months and asked " How can I trust you to provide emergency service to my house if you ca n't even install the alarm in my house? '' I notified them on  XXXX   XXXX ,  XXXX  that I was cancelling my service with them for non-performance of our contract for the previous 3 months.     I was paid up when I left  XXXX   XXXX   XXXX . They never installed a system in my house in  XXXX . They continued sending me letters asking for payment for service they were n't performing in  XXXX . They harassed me constantly with these letters. I sent some back and destroyed others. I have the most current one which is from  SKO Brenner American , Inc,  a collection agency. They 're asking for {$1300.00}. This contrasts with the first request from  XXXX  which was for {$300.00} on  XXXX / XXXX / XXXX . I also have this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
O n   XXXX   XXXX   2016 ma iled  3  forms to all  XXXX  bureaus   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  Trans Union   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2  forms of ID and a Utility bill. I have reviewed my credit report and found information and accounts that I do not recognize tha t may be   a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1  ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it  ) you have on file of the account ( s )  listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately.   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  UNVERIFIED BANKRUPTCY  XXXX   XXXX  CT  XXXX  UNVERIFIED BANKRUPTCY I have not received any corresponding mail from  XXXX  or Transunion regarding my request to To verify That these accounts 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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had  XXXX  credit cards with   XXXX   XXXX    (  XXXX   was formerly  XXXX  ) and I had difficulty paying them i n  XX/XX/XXXX - XX/XX/XXXX  and   stopped paying them. Las t    XX/XX/XXXX , I c alled  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid   XXXX   XXXX   and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.     XXXX   XXXX   XXXX   XXXX  - XXXX  accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX  They  did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.

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 2017-05-11 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: FL

Complaint narrative:
XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had   XXXX  c redit cards with  XXXX   XXXX   (   XXXX    was formerly  XXXX  ) and I had difficulty paying them in   XX/XX/XXXX - XX/XX/XXXX   and stopped paying them. Las t  XX/XX/XXXX , I  called  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid  XXXX   XXXX  and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.    XXXX   XXXX   XXXX   XXXX -  XXXX   accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX -They did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.

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 non-monetary relief