vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I wrote a letter that was mailed certified informing XXXX XXXX XXXX XXXX, Experian and XXXX XXXX of an 'intent to file lawsuit, HIPAA Privacy Violation '. This is regarding medical debt accounts that has not been validated that are still being reported on my credit report. XXXX  has removed those erroneously reports that violates my rights according to HIPAA and my rights to exercise the Fair Credit Reporting Acts but Experian and XXXX continues to report this erroneously information from XXXX  XXXX, which violates my privacy and rights. Again, as per my certified letter written XX/XX/2020, XXXX XXXX XXXX XXXX and XXXX  XXXX  did NOT provide me a HIPAA release that releases my medical information and I am proceeding with legal action as prescribed by law against the credit bureaus and collection agency should these items not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
There is a collector by the name of Progressive Management Systems. I have no idea who they are however they are on my credit report with a account I have never heard of. I have never been contacted by the organization. I do not even know who the company is. What they have done is illegal by Federal Law. I would like them removed and reprimanded for breaking the law.

I have disputed the report with the company. I have had no response and in retaliation the balance went up.This organization listed above need 's an audit. They are not in compliance with any standard for XXXX or ethical business. 

Again, no idea who this company is. It looks like a XXXX  company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I received almost thirty pages in the mail from BSI Financial Services indicating that I should start paying my mortgage through them. However, when I checked with the mortgage company they confirmed that they had not engaged BSI. The letter is not structured as an offer of services, but " We are now responsible for collecting your loan payments on behalf of your current creditor .... '' which is an entirely fraudulent statement, as neither I or my mortgage holder has engaged the services of BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: GA

Complaint narrative:
Hello, on XX/XX/2021 I mailed my letter regarding illegitimate items on my credit report. To this day, it's been over 30 days now, and I have yet to receive any response. I feel completely taken advantage of because I'm being ignored of my disputes. Within section 611 ( a ), it's plainly states that with the failure to investigate any item within 30 days gives reason to immediately remove those disputed items from the credit report, and it's been well over 30 days, so the inaccurate items in which I've disputed should be removed immediately or I will file for litigation as a result to the stress and loss that's been caused to me. Previously, my information was impacted by the Equifax Data breach, and may have got into the wrong hands and person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject to XXXX XXXX scheme by ex-husband, his wife and and others he associates with. 

Cell phone is ported and communication is restricted. 

Identity theft Attached fraudulent emails ; noticed duplicate texts and emails. 

Utilizing dark web account to keep auto/property policy in effect and intend to profit from life insurance policy. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, four transactions totaling exactly {$5000.00} were deducted from our joint checking account at Regions Bank ( Regions ) and paid to persons unknown to us. The transfer was made through the XXXX system, a partner of Regions. Just days prior to this event, Regions had announced the completion of a major upgrade to its security system that would enable the bank to better serve and safeguard its customers. 
The transactions were all posted as pending. Other information for each is : XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1000.00} ; XXXX - XXXX record number XXXX to XXXX XXXX XXXXn the amount of {$1400.00} ; XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00} ; and XXXX : XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00}. 
My husband and I have never set up an account for XXXX services as part of our Regions online transaction account. To the best of our knowledge, we have never had a XXXX account associated with any accounts we may have, or have had, with other banking institutions. However, in the little information that we have been able to obtain from Regions ( see attached Article 1 handwritten note from Regions employee in XXXX ), its records indicate that a XXXX account was set up on XX/XX/XXXX. As best we can tell, this account was not used until XX/XX/XXXX, at which time another email address was verified for the account : XXXX. This email address is unknown to us, and we were only made aware of its part in this fraud weeks later. 
Prior to the XX/XX/XXXX date, our personal information was stored on Regions computers and accessible to an unknown/possibly unlimited number of people associated with Regions, XXXX, and/or any computer security contractors/employees associated with Regions security upgrades.

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 monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XX/XX/XXXX I have applied for a Apple Credit Card twice. I make good money in my XXXX XXXX career. Apple has been proven that the algorithm has implicit bias that propagates to the end user. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  is my day job. 

https : XXXX At my income level, has a homeowner, car and 100 % on time payment history, one would think I would have a credit card. I do not. 

As I have gotten older I have found and understood that the credit system was first implemented in the XXXX. The algorithm remains unchanged and carries the minds and the logic of the software engineers at the time. No other country in the world ( been to XXXX ) has this system and it shows. 

I do not know why or what else I can or should do. What more does one have to prove to prove responsibility? Degrees? House? Car? XXXX XXXX executive career? XXXX veteran? 

I have achieved all of those. This needs a government audit. The damage to my credit score or my ability to build " credit '' can be calculated. This is textbook - Widen the Wealth Inequality Gap ; A Illogical Algorithm Ballard. 

Also, Apple is required by federal law to explain WHY they denied the application. Thy do not. They give options of what it COULD be but not what the actual reason is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
There is an account EOS CCA that is listed on my credit report. This is NOT mine. I have disputed, requested validation now for many months and receive nothing not even a response. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NE

Complaint narrative:
According to HUD website, HAMP modification loans amounted to an average {$470.00} in monthly savings while my HAMP modification loan did very little to adjust my monthly payments, thereby making my home affordable because Specialized Loan Servicing intended to force me into foreclosure. 

I was forced to reapply 19 times for a home modification loan, before approval. Although, I had requested modification from XXXX XXXX XXXXXXXX when SLS assumed the loan, in XXXX, XXXX, I did not receive a home modification until XXXX, XXXX. At that time, the program ended and I just managed to receive a modification just a week prior to the HAMP program ending. When I contacted another loan servicer and they contacted SLS, only then did I receive loan modification help. 

Due to Specialized Loan Servicing driving up the amount owed on my loan, I feel I did not receive the best modification of my mortgage available to other customers. 

I am requesting an audit of my mortgage modification. I believe that I was given a subprime mortgage modification due to the fact that SLS had no intention of actually helping me, instead hoping to foreclose by increasing the amount of back mortgage by stalling my application for four years. 

I went from being 1 month past due mortgage in XXXX, XXXX to owing more than four years of accumulated payments of over {$84000.00}. I contend SLS juggled my single point of contact, so I never could get the complete story or anyone who would actually help with my application, all the while my unpaid mortgage steadily increased. 

Even while I was in the trail period my mortgage payment, tax and escrow has increased to almost my premodification levels. 

Why?

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 2021-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Unauthorized. Life Insurance Policy Unauthorized Auto/Property Insurance Unauthorized account access Former account address XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Bureau LLC
State: KY

Complaint narrative:
Contacted by phone from " Franklin Associates '' regarding a settled debt. 
Despite providing No proof of debt ownership, threatened arbitration if I didn't pay XXXX USD Franklin & Associates Processing Department XXXX XXXX XXXX Demanded I pay. So I did onXX/XX/XXXX ... 
Now they are extorting me a second time by attempting to charge me a second time onXX/XX/XXXX The website XXXX has been under construction for at least that long, now. 

I believe I was scammed once and they are attempting to scam me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
Reporting an error, Not my account. Please remove

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 2021-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IN

Complaint narrative:
the money that was in the saving account XXXX was closed XX/XX/2021 due to irregular activities, due to back pay per week with PUA, I received it in one lump sum but paid out different weeks in XXXX. but the money was not returned to the sender or a cashier check sent to me. US Bank took the money from the savings closed and then placed the money in a GENERAL XXXX account without telling me. i had to call fraud and the branch manager and they both stated they don't know how to get the money out the account. SO WHEN WILL THE MONEY BE RETURNED?

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 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
-- SPS ignores and creates artificial errors on fully completed loss mitigations applications in order to circumvent Dual Tracking laws that prevent foreclosure process while a complete loss mitigation application is under review. Attached correspondence from SPS stating that loss mitigation documents have missing signatures or have incomplete pages while copy of loss mitigation application and supporting documentations ( also attached ) show no missing signatures and all pages complete ( no missing portions of pages ). Violation to CA CC 2923. 
-- Attached letter from SPS confirms SPS received complete loan application on XX/XX/XXXX but failed to process the documents provided evidenced by SPS reference to documents being received on XX/XX/XXXX while the mailing confirmed SPS received on XX/XX/XXXX. SPS not properly processing documentation submitted by Borrower resulting in SPS denial of complete loss mitigation application due to negligence and unfair business practices. Violation to CA BPC 17200.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I opened this account with CitiBank in XX/XX/2020, from an online promotion. The promotion was that I would receive a bonus of {$750.00} if i deposited {$50000.00} and left it there for three months. When I checked in XX/XX/2020, they told me that I needed to leave it there another 90 days and that everything was inline to receive it on XXXX XXXX. Here we are in XXXX, and now Im being told that I need to fax the offer to them ( i dont have it, as it was originally online ), and that they dont typically do that offer. Wrong on all counts, there is a {$700.00} promotion going on right now for the same account. I was told that a supervisor would call me back today, and have heard nothing My case number assigned to me, actually had someone elses name on it.

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 monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I filed a chapter XXXX bankruptcy in XXXX and it was fully discharged XX/XX/XXXX. I reassumed my lease with Toyota and have never missed or been late on a payment throughout the life of the loan. I have been completely iced out of my TFS account since XX/XX/XXXX ( when I filed ) and Im directed to call if I have questions about my account. Around XXXX I realized Toyota stopped reporting to my credit in XXXX so Ive made multiple calls to Toyota. They advised they didnt know my bk discharged so they couldnt report and to send them papers proving it, which I did the same day. Ive called multiple times since then and they still have my TFS account reporting the same way, one of the representatives I spoke with told me to dispute it through the credit bureaus to get the proper reporting. So I took that advice and disputed the reporting with the credit bureaus which has now resolved. Instead of Toyota updating the balance of the loan and reporting my timely payments, they simply reported the loan as paid in full on XX/XX/XXXX. Clearly not the case since Im still paying nearly $ XXXX. 

Furthermore, Toyota financial will not provide me an accounting or statements showing the balance of the debt. So not only will they not appropriately report to the credit bureau but they will not provide me ( the creditor ) any information on the balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Not sure of date but they were told we would be filing bankruptcy and their frequent calls from supposed blocked calls were illegal. They are relentless

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I sent this company an identity theft police report from XXXX XXXX County Police Department showing that my information was used for fraud in starting a fraudulent auto loan. The police have arrested the perpetrator XXXX XXXX and shown this proof to XXXX XXXX. Even with proof and a police report stating that my name was used for fraud to start an auto loan, this company refuses to delete this account from my XXXX, XXXX and XXXX credit reports. At this point its defamation and a complete violation of my rights and the FCRA sec 605-609

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-04-09 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: NV

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: ERC
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Spoke with my mortgage company Wells Fargo XXXX requesting a forbearance because I have been affected by Covid-19. I spoke with XXXX to request the forbearance, she tried to put the request in their system but could not process my request. XXXX transferred me to XXXX XXXX in the preservation dept. she was unable to assist me with the request. XXXX transferred me again to XXXX, XXXX transferred me XXXX. After I was transferred 5 times and on the phone 2 hours they still did not process my request for the forbearance. Wells Fargo is giving me the run around and I don't want to lose my home. I have faxed my request to Wells Fargo requesting the forbearance. Please Help

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