vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
United Collections Bureau refuses to dispute three hospital/physician charges from XXXX XXXX XXXX. I was insured on the dates of service XX/XX/2019, XX/XX/2019 and XX/XX/2019 I had XXXX and insurance. I provided the hospital with my insurance information which was South Carolina XXXX. The hospital advised me that they dont take out of state XXXX. They then sent my three accounts to United Collections Bureau to report on all three of my credit reports. I have reached out to this collection agency several times and they are refusing to dispute or remove my accounts because of the age. I advised UCB that I have disputed these accounts with them and provided my insurance information when they first received the accounts and they did not file to my insurance as they promised. The insurance they billed was GA XXXX and I was not insured under GA XXXX and they know that through several conversations with me. UCB had all information to try and resolve this account and they failed on multiple occasions as I was eager to have the accounts paid and resolved by XXXX. The total on the three accounts {$1300.00}, {$530.00} and {$1200.00} I am requesting that they remove these accounts from all three credit bureaus due to having insurance at the time of service. Please remove these accounts from the credit bureaus. I offered to settle the accounts for a pay for deletion and they are refusing to delete them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2021 I was contacted by a person who identified himself as a representative of the Fraud Division of Regions Bank which showed up on my phone as regions bank calling, therefore, I believed that this was a legitimate call and proceeded to follow his instructions which was that fraudulent activity had been detected on my account and in order to stop any money from being taken from my account that he would send me a text message with a 6 digit number that I would relay to him to authorize and assure that he was speaking to the owner of the account. I did exactly what I was instructed to do but was unaware that I was actually authorizing him to withdraw money from my account. I am XXXX years old and on a fixed Social Security Income and {$990.00} stolen from me causes a real hardship. I have attempted to work this with Regions Bank but they believe that I was complicit in the action that took place. How did this person get my bank account number and my phone number which is a cell number which I have only submitted to Regions Bank?

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card. 
-Copy of my valid Photo ID. 
-Contract signed by me. 
-Bill with my address ( within 30 days of the account opening ) -Any other documents. 
Absolute Resolutions and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. 
Since Absolute Resolutions and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to Absolute Resolutions today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The original account owner " XX/XX/XXXX '' have sold the account XX/XX/XXXX has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then XXXX XX/XX/XXXX sells the unverified accounts to a different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
XXXX XXXX was my previous mortgage servicer. Required documents were emailed to XXXX XXXX XXXX XXXX that was required for short sale processing there is a purchase contract on property, its a cash sale, purchaser are ready to close. Short Sale was in processing with XXXX XXXX, BPO with interior photos completed. Mortgage was transferred to Select Port Folio XX/XX/2021 I spoke with Customer Service Select Port Folio informed them I need the short sale processed ASAP because I don't want to lose the purchaser for my home. I would appreciate your immediate attention with this urgent problem. Requested Relocation fee of {$10000.00} because Im selling my home on short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
I established a new checking and savings account with BBVA XX/XX/XXXX. Shortly after my wife initiated direct deposit of her payroll check to the new BBVA checking account. Two payroll transactions were deposited into the BBVA checking account on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$460.00} and {$1700.00}. On XX/XX/XXXX I initiated a money transfer from the BBVA checking account to a joint checking account that my wife and I have with XXXX. On XX/XX/XXXX I received a text notification from BBVA that the transfer was being blocked and to a call BBVA. I called on XX/XX/XXXX and was told the transfer was blocked because the original direct deposit transactions were in my wife 's XXXX XXXX XXXX name and the BBVA checking account was in my name XXXX XXXX XXXX. Because of this, BBVA stated the transfer to XXXX could not be executed. I inquired as to how the money could be accessed and was told that my wife would need to be added to the account or the original payroll deposits would need to be returned to the sending bank. When inquiring about adding my wife to the account I was told that she would. have to come into a branch. However the closest branch is in Alabama and we are located in North Carolina. So, the only option would to return the funds to the originating bank. I asked to have that done and was told the return funds transfer would be initiated. On XX/XX/XXXX two debit transactions were created against the BBVA checking account in the amount of the two payroll transactions indicating the funds return from BBVA to XXXX XXXX XXXX had been executed. However, after multiple weeks the funds never appeared in the XXXX XXXX XXXX account. In the ensuing weeks, multiple attempts have been made to contact BBVA for help in resolving the issues and tracking the funds or investigating what happened. To date they have been unable to provide an ACH trace number or even the account to which they directed the return funds. On XX/XX/XXXX I initiated a conference call with BBVA and XXXX XXXX XXXX representatives to try and further investigate what had happened to the funds. XXXX XXXX XXXX verified they had no record of the funds being returned. BBVA was again unable to provide the ACH trace number or account number to which they returned the funds. They stated they were not able to provide any other information about the funds or any other assistance in investigating what happened or where the funds were. At this point I would like to file a formal report and have a third party investigation initiated to determine what happened to the funds and have them returned to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2021 I opened checking and savings accounts at US Bank on XXXX XXXX in XXXX IL. A week later, they closed it, claiming I was in violation of the Deposit Agreement. 

One of the personal bankers at US Bank sent me 2 cashiers checks - one for {$310.00} which was the outstanding balance in checking. And a check for {$290.00} for the outstanding balance in savings. I deposited those checks at my current bank through mobile banking. 

I made a clerical error on the check for {$310.00}, and typed in the wrong amount. XX/XX/XXXXmailed the check for {$310.00} back to US Bank. 

On XX/XX/XXXX, I attempted to be reimbursed for the {$310.00}, at the US Bank branch in XXXX XXXX IL. The teller spoke to US Bank Internal Affairs and informed me that XX/XX/XXXX had cash the check already. 

I then met with the branch manager and Vice President of the US Bank in XXXX XXXX. 

After about 20 minutes, she threatened me with the police. All because I wanted reimbursement for the {$310.00} check. 

When I left the XXXX XXXX branch, two officers of the XXXX XXXX police were waiting in the parking lot. One of the officers went inside the branch to get the branch managers side of the story. 

When he returned, he informed me that if I went into any US Bank branch, I would immediately be arrested.

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
This company reported several accounts on my credit file that are unknown, I requested validation and they were ALL removed and now they are back. Please help nothing was received nor provided. This is false information against me. 

Listing show Fox Collection {$450.00} Fox Collection {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Back in XX/XX/XXXX I reached out to Ally financial after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new jeep lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from Ally Financial for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first Ally Financial statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to Ally Financial to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!

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 2021-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I called Citizens One to discuss the Covid relief program and was told the deferment plan would allow you to skip a payment for three months, then you would resume the mortgage payments and if additional assistance was needed to contact them. 

I received a letter dated XX/XX/XXXX - regarding my request for loan assistance and the implementation of a 90 day forbearance of my loan with the ability to extend, if NEEDED. 

I received a letter dated XX/XX/XXXX stating my forbearance plan is ending soon and that the payments that were not received will become due unless other arrangements are made. 

I then received a letter dated XX/XX/XXXX stating that they could not reach me and that they would be extending the forbearance plan for an additional 90 days. I called and told the loss mitigation department I did not want an extension, and was told they had no control over the situation. 

I received a letter dated XX/XX/XXXX regarding a partial claim modification and on XX/XX/XXXX I contacted the Loss Mitigation department regarding the letter about the foreclosure prevention option : Partial claim. I stated that I did not want to participate in the foreclosure program and I wanted to pay my loan up to date. I was given the amount of {$3700.00} and paid it on this date, bringing it current. I told the loss mitigation department that I wanted a letter stating that I am no longer in foreclosure and that my loan is current. I was promised that I would receive such letter, to date I have yet to receive such a letter. I was also reassured by this department that my payments would resume by automatic draft as they were paid before. 

I received a letter dated XX/XX/XXXX - which stated that my forbearance plan is ending soon, it was the exact letter dated XX/XX/XXXX. 

On XX/XX/XXXX - I called the loss mitigation department to make a payment for the month of XXXX, since this is the only way I can make a payment. I was told that I did not owe a payment and am currrent. I also inquired about the letter stating I am no longer in forbearance and am current and was told it would be coming some time this week. 

I called Citizens One on XX/XX/XXXX and a young lady in another country looked up my information and told me my payment of {$880.00} was in suspense and she didn't know why. I explained to her that the loss mitigation told me on XX/XX/XXXX that I was current. She had no explanation. I explained to her that my Citizens One mobile app stated that I am past due. The young lady asked me about refinancing, I told her I did not request to refinance. She said it was mentioned in the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I see on my credit report these accounts are unverifiable invalidated in accurate and questionable if everything is not reporting 100 % accurate it must be removed. According to law unverifiable in accurate accounts must be removed and if youre on able to provide me a copy of the verifiable proof within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
JPMCB placed a hard inquiry on my credit report. Also for the past several months I have been receiving phone calls from Chase Bank regarding my credit card which I don't have and never applied for. 
I may be a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: STATE FARM BANK, FSB
State: TX

Complaint narrative:
It was in Texas, someone had open an account in State Farm bank to purchase a vehicle using my name. I had never done it, I'd report it to the local police and it's still under investigation. I am a victim of Identity theft, and I am disputing this because I did not open this account to purchase a vehicle. Currently I do not have any open auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
I have several transactions refunded by the merchant. They say they have not received the refund. I have provided screenshot and proof or refund. I asked them to dispute the transactions as refund not received. They won't do it. Their customer care representatives are every arrogant. They don't listen or refuse to escalate the issue. I have XXXX $ of funds they're holding up and not releasing to me. 

There is no response for complaint registered with them on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX placed a hard inquiry on my credit report. Also for the past several months I have been receiving phone calls from XXXXXXXX XXXX  regarding my credit card which I don't have and never applied for. 
I may be a victim of identity fraud.

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