vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a home equity loan with XXXX with servicing done by XXXX XXXX. They are incorrrectly reporting to the credit bureaus that I have an open {$100000.00} credit line. In fact, the credit line is closed and no longer available. This is having a severly negative impact on my credit score as it shows outstanding revolving credit debt when this is not the case. 
I contacted the company numerous times by phone and their website. In XX/XX/2020 I sent a letter to their general counsel at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX account number XXXX Her assistant in the executive resolution department contacted me numerous times in an attempt to resolve the situation. She fully understood the issue and the impact on my credit score. But despite numerous attempts, she was unable to resolve or determine why this information was being incorrectly reported. She advised that the best they could do was to provide a commentary which is now in my credit reports, but the false information continues to be reported. Credit score calculations ignore commentary and only look at the raw data so this did not solve the issue. 
It is my position that just because a mortgage servicer can not resolve a false reporting issue with their own systems, it is not appropriate to continue reporting false information. 
My contact information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
My trial agreement plan for mortgage assistance began XX/XX/XXXX the 1st trial payment was due XX/XX/XXXX, 2nd XX/XX/XXXX, 3rd XX/XX/XXXX I made all 3 payments. BSI was contacted to inform them I had not received the final modification agreement. I was informed {$2800.00} was being held in a separate escrow account and was not applied to my loan. I was also told by BSI Customer service they did not know when I would receive the final modification agreement. It is XX/XX/XXXX I don not want to lose my home to foreclosure because BSI has not serviced my mortgage loan Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Parrish and Lebar, LLP
State: VA

Complaint narrative:
Parrish and Lebar is suing me on behalf of XXXX XXXX. The debt is for XXXX that had to be done to remove a XXXX XXXX. The first XXXX the doctor claimed he couldnt complete due to XXXX which I was told an antibiotic would prescribed before XXXX to prevent this. Im being billed for the XXXX and use of facility. I have paid the bill for XXXX which was lower than the use of facility fee. They tried to garnish a company I dont work for with the wrong social security number on the garnishment. The first notice was sent to an old address. I didnt find out about the court date until 2 days before. I have tried making payments arrangements or settling to remove the lien place on my property they will not agree. Each month I make a payment the bill is higher due to them adding interest. At this point I will be paying this bill the rest of my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # 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 2021-03-26 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: AmeriCollect
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XXXX  ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AMERICOLLECT # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
This bank is not following Regulation E guidelines. They charged me an NSF fee on an item still pending. After all items had posted on XX/XX/XXXX there was a POSITIVE balance of {$30.00}. The NSF fee hit that night causing the account to go negative {$5.00}. The item that caused the NSF fee is still pending on my account. Pending items can be removed by the merchant at any time. That is why you can not dispute and why FEES can not be charged against a pending item. XXXX, the call center manager on duty XX/XX/XXXX at XXXX XXXX, needs new yearly training to be updated on Regulation policies. This is federal law this bank is breaking. At the end of business day of XX/XX/XXXX my account was positive. I demand my money be returned as it was stolen by Regions Bank. This bank is so fee hungry, they will take a fee before the transaction even posts!

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 2021-03-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My bankruptcy has been charged off for 5 years and its still reporting on my Experian.

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 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANCORPSOUTH BANK
State: TN

Complaint narrative:
I reported unauthorized charges on my account in XXXX that occurred in XXXX. I waited the 30-45 days for a response and even filed 2 additional disputes. When I continued to be ignored by my financial institution, BancorpSouth, they told me that they had no legal obligation to assist me as it has now been beyond 60 days. However, they did acknowledge receipt of my written complaint within 30 days of the charges occurring. From my understanding of the FCRA they are actually the ones who have 30 days to reply to me and if I am not given a response their obligation is to refund the charges. I've spoken to several different managers with my bank and they prefer to bend the law to suit their needs. The charges were in the amount of {$170.00} and {$44.00} from XXXX XXXX XXXX. Please assist me in getting my money rightfully returned to me as is required by the FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: I.C. System, Inc.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

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 2021-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: IA

Complaint narrative:
Moved in XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX of XXXX. Finished my 1 year lease through XXXX XXXX XXXX and was month to month for the extra year that I resided. The new company that took over the building which was XXXX XXXX XXXX is telling me that I left my faucet running on full blast while I was at work and flooded the downstairs unit. Let me clarify before all this, I was dealing with a very bad black mold problem in the ceiling of my bedroom. In the pictures that I have you can clearly see where the mold was coming from. A LEAKING PIPE in my ceiling. So as far as my understanding, the Actually Clean worker that was in my unit drying my floors, told me that he was advised that a pipe bursted in the wall. Not to mention I went out of town for a week sometime in XXXX of XXXX and there was nobody using water in my unit. BUT when I returned, there was water in my full bathroom by my bathtub. I honestly think that XXXX XXXX XXXX was being CHEAP and wanted to make someone else responsible for their piping issue. Water comes DOWN not up, so once again, where did the mold come from? And how come the pipe bursted AFTER the mold came about from the LEAKING PIPE in my ceiling if this was a leaving the faucet running issue? ALSO, NOBODY BUT ME, has any proof as far as pictures.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
We have been attempting to do a short sale. It was previously approved by the investor at a lower price. The buyer could not get financing due to visible BLACK MOLD in the property. New Buyer at same price and the bank stated that the value came in much higher due to market condition but the mold has not changed. They stated the new appraisal came in at XXXX even though it is 9 months later provided two mold reports. Contract price is XXXX and has about XXXX in HOA dues and the bank wants to net XXXX. Even at XXXX net with required closing costs per XXXX XXXX County we can not net this amount. At this price it would require a contract over XXXX which does not make any sense and does not even include the HOA recorded lien. The investor keeps stating bring a higher offer and we keep getting lower offer due to the mold. The condition has gotten worse not better

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter on XX/XX/XXXX and it was received XX/XX/XXXX. I have not heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since XXXX we have revoked authorization by sending emails, letters, and personally walked in to XXXX  XXXX ( gym ) to cancel four memberships. The gym has ignored these requests by continuing to charge us. We have submitted unauthorized disputes with Chase Bank to recover the funds. As a last resort we closed our credit card and had the bank reissue a new card. This stopped the charges from XXXX  XXXX. However, starting XX/XX/XXXX - XX/XX/XXXX we started seeing charges ranging from {$2.00} to {$35.00} to charge our credit card. When then starting receiving calls from XXXX XXXX billing department saying we are behind on our membership payment and they need to update the credit card information. This is unfair and deceptive practice since they were calling different members of my family to obtain credit card information. Concurrently we called Chase Bank to dispute the charges. We were dumbfounded to learn that our bank, Chase, had given the merchant, XXXX  XXXX, our new credit card number. The Chase representative said that they had an agreement with certain merchants to provide them with customer 's credit card number! I am disappointed with Chase 's disregard and not protecting customers device ( credit card ) information by giving a merchant our credit card information to charge. Second, the merchants disregard of our varies letters and attempts to cancel services and revoke authorization. This is deceptive unfair practices by Chase and XXXX  XXXX. We are disturbed that a WSUD ( written statement of unauthorized debit ) is disregarded, our personal information shared and overall Chase 's lack of consumer protection!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Upon reviewing my credit profile I found a company, Portfolio Recovery Associates listed on it. I DO NOT recognize this debt or the amount they claim I owe and therefore, I immediately sent that company a debt validation letter on XX/XX/2021. Because I sent the letter certified, I am able to see that they did receive it on XX/XX/2021. They mailed me back a copy of a statement balance showing NO ORIGINAL INSTRUMENT OF INDEBTNESS such as an original signed contract, a balance sheet from {$0.00}, or the terms and conditions of the alleged debt. 

I mailed a 2nd Validation letter to the collection company, Portfolio Recovery Associates, yet again asking them to validate the debt and they responded with the same documentation.

This is defamatory to my credit profile and the lenders that may potential view this as negative. Additionally, this is against the FCRA to continue to report UNVALIDATED debt on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
To whom it may concern : I have been trying to work with my mortgage to get a loan modification but after speaking with XXXX from the underwriting team she advised I did not qualify for a modification because my hardship started in XX/XX/2020 and not XX/XX/2020. Why does she get to decide when a customer happens to lose his home. Just because my hardship didn't start in XXXX does not mean I was not affected by this pandemic. I lost my part time job and I am on fixed income now. She needs a reality check that people are still loosing jobs months after because business and people are still being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Sometime in XXXX I began a refinance on my {$330000.00} mortgage and recently denied without explanation by the loan officer, loan specialist, and their supervisor. I am a XXXX XXXX  XXXX  who deserves to be treated with respect and professionalism for all the sacrifices I made for this great country.

Company response to consumer: Closed with explanation