vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
Request to Validate Medical Debt XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XXXX, XXXX and XXXX XX/XX/XXXX Amount of debt : {$140.00} Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Account Number # XXXX Email : XXXX Dear collection agent, I received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ), but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ) for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold validation 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 as this account is not mine. 

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 may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

formation release without mu authorization is from a minor. I hope to hear from you as soon as possible. 



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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello. 
We received a letter from Bank of America-Special Loan Servicing department XXXX XXXX XX/XX/XXXX. In said letter, Bank of America re-amortized our loan, gave us a breakdown for the entire years of the loan. In addition to the breakdown, they also included an agreement and specifically stated in page 2 section 5, that our new mortgage principal balance, at that time was now {$130000.00}. 
I have called now for several years, regarding the following concern. On our monthly statements, we had the balance of {$130000.00} ( which now, has gone lower ) and we also see on our statement that we also have a non-bearing interest balance of {$84000.00}. 
Recently, due to the interest rates being so low, we have attempted to refinance to a lower interest rate, but because this issue is not resolved or that non bearing interest balance has not been removed, we have not been able to refinance. 
I have called Bank of America, even more so, to handle this, since XX/XX/XXXX, and every week, only to hear, nobody knows how to resolve this. They have transferred me to Case management dept, only for them to tell me they can not handle my call. BOA has transferred me to different departments to include special loans department, collections, customer service, bankruptcy department, just to name a few. They have advised they have escalated several times, but nothing has been resolved. It has been very hard to get answers and resolution from Bank of America.

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 2022-02-23 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:
Transunion has been discriminating against me for at least the last 3 month that I could remember. Maybe more I just now catching on. There is alot of incorrect information on my credit report. Wrong address fraud incorrectly showing accounts still open. Problem with credit reporting company 's investigation into an existing problems. Improper use of my report. I'm unable to get a credit report and credit score from Transunion. Credit monitoring and identity theft protection issues. All sorts of different types of issues with this company including f problems with fraud and security freezes. I call them because I've been kick out my own account. I'm left on hold way to long I'd call from another line and Transunion has picked up that other line not knowing who I am b4 the line still on hold. They pretend that they have a deep weird accent not knowing half of what they are saying with noises in the background like If they have the TV loudly. I'll ask them to identify themselves with there worker I'd and they refuse to answer all I hear over the phone is louder noises from the TV in the background and who ever that is on the other line saying HELLO. repeatly HELLO over and over and over again but we were just chatting right before I adked for there identity and numerous times I've been hung up on or they will ask me right before they switch me to the correct department for my contact information in case we get disconnected and they'll lose the call, and do not return the calls.

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 2022-02-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The information being reported is inconsistent or incorrect. I have tried repeatedly to have this information removed. There are several issues wrong with these accounts not being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX XXXX  was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within 30 of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed w me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means Transion didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2022-02-23 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: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I called genesis card services becuase my destiny XXXX was lost/stolen, I was told they'd send a new card I never recieved it, so I called back I was assured i wouldn't need to make a payment until new card arrived and they issued a new card, it's now been 3 weeks and I haven't received it, I can't access the account to pay it without the new card and I called and they say u have to pay a late fee and they can't remove it even tho I can't access the account to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been filing complaints for 5 years on Experian for giving out my personal inform and credit report. I am frustrated. So I have been trying to call Experian. That is a waste of time and life. Experian is geared to maximize profit and do as little as possible. Experian did not have permissible permission to give my report to XXXX XXXX XXXX XXXX. But all Experian does is to pass the buck to XXXX who then claims duplicate complaint. So after 5 years of Experian unlawfully releasing my credit report without my permission, nothing never gets accomplished.

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX # XXXX & XXXX # XXXX & XXXX XXXX again # XXXX & XXXX XXXX & XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX XXXX XXXX # XXXX & XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX #. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX # XXXX & XXXX # XXXX & XXXX XXXX  again # XXXX & XXXX XXXX & XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX XXXX XXXX # XXXX & XXXX # XXXX XXXX # XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We opened a chase business account on XX/XX/XXXX. 

Chase offers Mobile deposits which we used extensively. We deposited about 14 check on XX/XX/XXXX which they held funds for a period of time which is consistent with their terms. 

Shortly after making these deposits, chase restricted the account for the first time. I called the baker where I set it up in Florida and he unrestricted the account and apologized and said he put notes in the account. The consequence Of this first restriction is they returned one check for {$1000.00} and that employee incurred fees as a result. 

We then made one deposit of $ 50k on around XX/XX/XXXX. 

On XX/XX/XXXX the funds availability was about $ 10k and the $ 50K was being held for 14 days Then on XX/XX/XXXX we went to the branch in XXXX XXXX Mn to withdraw some funds via a cashiers check since we were out of the office. 

They said the entire account was frozen and restricted until the $ 50k check cleared on XXXX Or so. 

This was the second time in a month that this account was frozen and restricted. I offered to have them call the banker which they refused or To Do a three way call with treasury management which they also Refused in order To verify the {$50000.00} check which was being held. 

I said I was only withdrawing $ 2k which was available from the $ 10k that it showed was available on XX/XX/XXXX. 

The bank wanted my ID to verify me which they did but still restricted my access to the account and my available balance until XXXX when the {$50000.00} check cleared. 

I was out of town and stranded without access to my available balance which seem unreasonable by a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have an equity-line-of -credit with M & T bank. The line was first opened many years ago by banks that M & T absorbed. I became delinquent on this account in XXXX  because of health and business problems. In addition, they raised my monthly payment almost 10 fold. At the end of the year, I requested a loan modification from M & T. I submitted all the paper they needed and they told me on XXXX that there were things missing and they gave me until XXXX XXXX to respond. I responded by that date and on XX/XX/XXXX they told me that there was some missing information and because it was so close to the foreclosure date that they would no longer consider a modification and would not tell me what items were " missing. '' Most of my correspondence is with XXXX, the foreclosure attorneys. They send me mailings every day highlighting the foreclosure date. The letter they send is one I received from M & T in XXXX on 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 2022-02-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XXXX # XXXX for an order of 2 XXXX  watches was delivered to XXXX, NH, associated with XXXX # XXXX. 

12/6/21-Received email from the receiver that both XXXX watches were missing from the box delivered. This is shown in attachments XXXX, and XXXX. The empty box is pictured in XXXX. 

XX/XX/XXXX-Called XXXX and attempted to get a refund after explaining the situation. 

XX/XX/XXXX-After the refund was declined from XXXX, I filed a dispute with XXXX XXXX XXXX, explaining the reason for dispute being that the product was not received. I realize that the package was delivered, but the contents I had paid for were missing. 

XXXX-Received a letter dated XX/XX/ ( shown attached in XX/XX/XXXX ), stating that the dispute was closed, and that they disagree with my claim ( which they clearly have no understanding of ). As a starter, they state that the order was shipped to an address in XXXX and was signed for. That's incorrect per the tracking details attached ( XXXX and XXXX ) which show that it was delivered to XXXX, NH. Although this is irrelevant in a sense because the problem was the XXXX  watches were missing from the box, it shows the unwillingness of XXXX XXXX XXXX to investigate critically in the matter, and the overlooking of blatant details in the dispute. 
They state that the order was placed via my email address. That is correct but has no relevancy here as the charges were authorized my myself ; the goods were simply missing from the delivered package. 

Based on their reasoning, it's fair to assume that they believe that the reason for dispute is that I am claiming that the charge was unauthorized. That is not the case, and I never said anything of the sort. The XXXX  watches were missing from the delivered box. Under the Fair Credit Billing Act, consumers are not liable for merchandise they ordered but never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am attempting to consolidate my student loans and apply for loan forgiveness, however XXXX has not been given the correct information about my loans because Navient is refusing to update my account information with the XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX has my loan amount to be approximately {$3600.00} when the actual amount over two loans is about {$12000.00}. 

I began reaching out to them in XXXX about this and spent many hours on the phone with them. They first told me that they were not my loan servicer ( they are ), directed me to talk to an agency about default ( I am not in default and never have been ), then they told me it was not their responsibility to update XXXX, and then they told me it was not possible for them to update XXXX, all of which is false. 

When I learned from XXXX customer service that it was absolutely Navient 's responsibility to update that information ( and, in fact, that they are the only entity which actually can ), I reached back out to Navient. That was in early XXXX. I have sent several communications to them, and the situation is still not resolved, even after they ( finally ) explicitly told me that they would address the problem. 

I don't know what else to do, and I am turning to you for help. I can not consolidate until this information is updated, which also means that every month I am potentially paying for a loan that should have already been forgiven. Please take a look at the information I am attaching,. The screenshot of my XXXX  account was taken today, and thus is current as of XX/XX/2022. Thank you in advance for any support you are able to offer me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
I received a consumers energy bill owed in my name and its identity theft a never agreed to a bill being put in my name my information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Received a letter dated XX/XX/22 from Transworld Systems Inc. that I owed a debt of {$400.00} to XXXX. I called TSI on XX/XX/22 to inquire what this was for. The representative said it was a customs duty fee that I must pay. I explained to him the situation as I had used XXXX to return a shipment to XXXX, and that shipment was refused and sent directly back to me without my knowledge. The representative immediately was on the offensive, telling me it doesn't matter that I didn't ask for it to be returned to the U.S. He stated that this was like any other 'fine ' from the government and I must pay his collection company now. He did not log my dispute and simply move on for further investigation. I hung up the phone and called XXXX, and gave their customer service the same explanation. The reasoning was found sufficient and the charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: FL

Complaint narrative:
I called Equifax on XX/XX/2022 to request that my credit report be made avialable to my mortgage broker. I was told that there was a fraud alert on my account and that I needed to send the following : Copy of social security card, copy of ID and a cover letter explaining what needs to be done. 
I sent certified mail on XX/XX/2022 with the requested info. USPS tracking number XXXX. 
I was told that it would take XXXX to business days to process my request. This has not been the case and they keep telling me that they haven't received any documents from me even though I have a confirmed delivery from USPS almost 20 days ago. 
This is the XXXX time they have put me through this routine.

Company response to consumer: Closed with explanation