vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Two weeks ago I received a letter from SPECIALIZED LOAN SERVICING. They are my current mortgage lender. I refinanced and started paying my mortgage with them in XXXX of 2020. The letter I received stated beginning XXXX, XXXX, 2020, my monthly mortgage payment will increase by the amount of {$130.00}. This increase was based on estimated shortfall in my escrow. It stated that this is based on an anticipated increase in taxes as and/or insurance. I have verified that there is no increase anticipated in taxes and/or insurance. I have determined, through the numerous people I have spoken with at SPECIALIZED LOAN SERVICING, that this amount is actually based on an unpaid balance from my previous lender. In all of the time I have been paying my mortgage, I was never made aware of this unpaid balance. The letter did not indicate this and made up a dialogue about escrow to obtain these funds from me. This communication is unethical. I have spoken to the XXXX XXXX team members four times. They have all been helpful and agree this is a problem they can not fix. I have been told I must speak to a Supervisor. Each of them has emailed and reached out to a Supervisor by the name of XXXX expressing the importance of this response. Despite my numerous attempts to speak to someone that can assist, I have not connected with anyone. I am going to have to remove my automatic withdrawal if this is not fixed soon as they will begin to withdraw the funds XX/XX/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 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Debt was paid in full, however the debt collection company is legally adding additional fees to a closed / charge- off account. I was went into an agreement with the debt company for the charge off balance and no additional fees were suppose to be added because this was a no interest and no fee repayment plan. The contract was non-voided when they added these fees. I requested several times with the debt company to waive these and work with Bank of America where the original contract was with to get this resolved and neither company resolved this issue.

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 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 and this company has failed to validate this debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I requested a signed HIPAA form authorizing them to have access to this information which they could not and did not provide. There is very personal information on those medical records so this has not only violated the HIPAA laws but it has also caused me stress and embarrassment. Please delete this information from my credit files and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Hello, I have reached out to ARS several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a SIGNED CONTRACT that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.

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 2021-05-05 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: NC

Complaint narrative:
I disputed an inaccurate account with all three credit bureaus XXXX XXXX XXXX and TransUnion ) and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my 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 explanation
Consumer complaint received 2021-05-05 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: NC

Complaint narrative:
I disputed an inaccurate account with all three credit bureaus XXXX XXXX Experian, and XXXX XXXX and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my 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 explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My father passed away on XX/XX/2021. There was a woman living in the house and she was forging checks and depositing them into her account. A police report was filed on XX/XX/2021. The bank was notified and affidavits were completed for each forged check. The bank supplied statements going back 3 years and over {$230000.00} in forged checks were identified. The majority of the forged checks were forged and deposited within the last year when my dad was isolated due to XXXX. The amount and frequency increased substantially to {$10000.00}, or more, of forged checks per month. She even forged and deposited {$4000.00} in checks the last week of his life when he was in the hospital and dying in the living room. Citizens bank was immediately inofrmed and just as quickly denied the claim, saying that they were beyond 60 days. We have continually asked for the laws and procedures that they are referring to and they continue to not respond in a timely manner and not provide the informaiton. The 60 days from when they were informed accounted for {$20000.00} in forged checks and they won't respond as to why they are not reimbursing those funds to the account. It's a continuation of Citizens bank not responding, avoiding answering questions and putting off all communication as best they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, I fell behind on my payments due to a sick parent that I was taking care of. As I was getting back on my financial feet in XXXX, the global pandemic hit. In late XX/XX/XXXX, I received an envelope from Department Stores National Bank ( " DSNB '' ) which contained an IRS Tax Form 1099-C : Cancellation of Debt. The document was dated XX/XX/XXXX and the amount discharged was {$1900.00} ( document is attached ). I was surprised by this document so I contacted the company and I was informed that the debt was discharged but did I want to pay the debt off. I asked how does that work since now I am obligated to report the sum above to the IRS? Isn't it like I am being penalized twice? I was told that I could pay the debt and then make an amendment on a filed IRS XXXX. Recovering from the pandemic, that seemed a bit lengthy since I was also worried about how these matters would affect my credit score. So I declined to continue the conversation so I could study the financial consequences of the situation. I noticed on my XXXX  that XXXX states I owe " DSNB '' {$2100.00}, so I reached out to Transunion for a clarification. 

On XX/XX/XXXX, I received notice from XXXX that my credit score with XXXX  fell by XXXX points due to a report from Macy 's ( also attached to this email ). Today, XX/XX/XXXX, I received a notice from XXXX that my credit score with XXXX  has dropped XXXX points. At this rate, I am expecting the same outcome at XXXX. 

This seems like a highly punitive action in a time when most Americans are getting back on their feet. My understanding is that Macy 's currently has the benefit of written-off debt, I have to pay tax on the debt as income and my credit score still got penalized. I just want to understand the whole situation so I can best address it. Can I understand if this is standard financial services practice and how best I can resolve this matter since Macy 's already filed the 1099-C for XXXX? Thank you for any help and assistance. Greatly appreciated.

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 2021-05-05 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Employee ID : XXXX XXXX Customer Care Center Supervisor Navient This is false representation and defamation. She needs to be fired. She had made false statements. And this is negligence and false statements. I have faced damages, and losses from thus malicious fraud. She needs to be fired, she is making fraudulent statements and misrepresentation of NAVIENT. I am suing her and NAVIENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
Received debt collection letter in XX/XX/2021 for medical bill. Never received previous medical bill from provider. In XX/XX/2021, sent dispute letter asking for copy of last billing statement, amount of debt, amount of reductions since billing statement, when debt became due, and whether debt was within statute of limitations. 

We knew the debt from collection agency was wrong because insurance had recently made a payment after the provider finally billed them in late XXXX or early XXXX. The provider didn't send a complete claim to insurance until after they contacted the debt collector. The collector never responded to the dispute notice or any of our questions. They only provided a new bill for the correct amount in XXXX and ignored our previous communication entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Hello, I have reached out to Convergent several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.

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 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Receivables Management Partners, LLC
State: LA

Complaint narrative:
My wife receive a call from unidentified male, claiming to be a " Officer of the Court '' and " Needed to verify my address to send a process server. '' She hand the phone to me I challenged him and requested he provide his name and the name of the company he worked for. He didn't answered. He then stated " Someone has filed a complaint againt me '' I again challenged him He again refused to ID himself, but stated he was in the employ of RMP. I explained since he has lied repeatedly, I was more than willing to accept being served and meeting his complaint in front of a Judge. Then he hung up. I have received a letter from RMP XXXX XXXX XXXX XXXX XXXX Tx. It states I owe XXXX hospital bill to XXXX XXXX. XXXX. I was in the hospital refused multible attempts to have a XXXX XXXX preform unnecessary surgeries on me. Todate the ER Phy service have refund me for over payment, the Radiology as well. I disputed the hospital bill in witting with a register letter at least 60 days ago. To date I have not received a response on the erroneous charges I was presented with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I received a bill for an account that was closed and I sent a debt validation letter to gather information and did not received any veritication letter response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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: TX

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have sent proof and have asked repeatedly for them to delete the account due to inaccurate information. ChexSystems agreed that is was inaccurate and removed the account but yet reinserted the inaccurate information. I have included a notarized statement of truth as well the case number to my previous dispute with the CFPB.

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 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX  data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.

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 2021-05-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: AR

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called and tried to resolve the issue of missing credit information over 2 days since the erroneous report was tendered to XXXX, causing them to deny credit. 

The telephone numbers online, sent me to an overseas site that hung up on me three times, while attempting to transfer me. I finally reached a party in the US that said missing information was my issue and I had to call each credit card company to ask them to report to Experian. 

I pulled the Credit reports from XXXX  and XXXX  and all data is contained in these reports. 

The Experian representative said that I had to buy their monthly services and apply for a credit card from them to process my dispute.

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