vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: TN

Complaint narrative:
I applied for a loan modification due to the pandemic. My husband hours got cut, so we were behind on payments. We applied for the modification for a fresh start. The home lender raised our mortgage payments instead of lower it. I reached out for help to get my payment were i could afford them. If I knew they would raise it, then I shouldnt have asked for help. How is that helping me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Good Afternoon. I am submitting this complaint because this company is trying to collect a debt from myself and from my husband. They sent a collection notice to my husband and then send a bill in my name to my husband via email. This same debt has been sold multiple times to different agencies. I have just reached out to an attorney to help out with this and sue the collection agency. We have not ever had service with them at all. Also, they can not figure out who this alleged debt belongs to. Please see attached information information in this complaint. We have been victims of identity theft. We have police reports as well. This account does not belong to us, either of us. I am guessing they are having a hard time trying to figure that out. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
debt was started with HSBC in form of credit card approximately year XXXX. After financial difficulties I was no longer able to pay debt. I owed XXXX dollars or so as balance. After communication with XXXX XXXX in XXXX, I stated debt was old and uncollectable however XXXX agent stated that the clock to recovery was reset due to my communicating with agent. Phone calls are daily on home phone and cell phone. I recently checked my credit and XXXX  is not listed but I still get harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Hi, in the flesh XXXX XXXX XXXX, and I am writing the demand to delete the following negative info from said company MEDICAL DATA SYSTEMS INC. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity, and have enclosed copies. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M, and ALL applicable UCC Articles.

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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: WI

Complaint narrative:
Ive contacted ENHACED RECOVERY CO. on several occasions in an attempt to get them to VALIDATE the debt claimed. I have yet to receive any response or update of a deletion to my consumer report. ENHANCED RECOVERY CO. is therefor in violation of many laws under Fair Debt Collection Practice Act. 15 USC 1692g " failure to properly validate debt '', 15 USC 1692f " Unfair Practices '', 15 USC 1681b ( a ) ( 2 ), ENHANCED RECOVERY CO. did not have permissible purpose nor written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BHA Services
State: NM

Complaint narrative:
www.bhabillpay.com XXXX sent me a text trying to collect a debt from XXXX for a company called XXXX XXXX I was discharged of all debts under chapter XXXX on XX/XX/XXXX, when I explained this to the caller he began to argue with me that he needed my attorney and his phone number, I told him he was violating the federal bankruptcy laws by trying to collect a discharged debt, he kept asking for my attorney which is irrelevant considering my attorney is no longer under retainer. I ended the call as the gentleman who had a thick foreign accent was not listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
Purpose : Out of forbearance to refinance with lower rate to lower the payment My mortgage lender is Caliber Home Loans. I previously was enrolled in forbearance plan due to my family was impacted of XXXX. I stopped the payment since XX/XX/XXXX and resume the payment on XX/XX/XXXX. I made five satisfaction payment ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) which should qualify to refinance. 

After resuming the payment, I was enrolled with load modification to pay the due amount during the forbearance period. The loan modification rate is 3.0 % and I was working toward to the end to send back the document. During this time, I also seeking refinance as an option with XXXX XXXX XXXX  which offer 2.5 % rate and to the final stage. I intend to get out of forbearance to refinance with XXXX XXXXXXXX XXXX to lower interest rate to lower the monthly payment including the due amount in the forbearance period. The refinance underwriter have concern regarding to I am still under forbearance and have loan modification hence request the statement. In order to proceed further, I request the statement from my current mortgage lender ( Caliber Home Loan ) to provide that I am not in forbearance nor moving toward loan modification with them.

We had a discussion with the ( Caliber Home Loan ) manager XXXX ( not sure the spelling ) with agent number XXXX to request the requirement on XX/XX/XXXX or XX/XX/XXXX. I inform that I do NOT want to move forward with the loan modification but refinancing with due amount to pay off then move on. But the agent keep repeat that I would need to sign the loan modification or pay full amount to be released which seems misleading and limit my option. It was brought up that this would also report and hurt my credit for the past due hence I have to keep it ( loan modification ) for now to protect my credit score while we working through this process. 

For the current process that we will need to document be ready before XX/XX/XXXX to meet the deadline but this keep holding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am a consumer of the United States and CB/Epress is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are falsely representing my character because they are accusing me of an alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XXXX/XXXX/202. Stating all the violations and harm, CB/Express has committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been a Target red card member since XXXX. I have never maxed out the card or been late and i always over pay my bill. I have submitted credit limit increases in the past most recently in XXXX. The representative stated that the review would happen around XX/XX/XXXX. I called back XX/XX/XXXX and the rep told me that the increase had taken to place and to wait for the letter in the mail. I called back XX/XX/XXXX and they are stating that it wasnt true and the increase didnt happen Im overly frustrated at this point and fear that this is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DRB-40, LLC
State: NC

Complaint narrative:
the company is Diversified Recovery Bureau. they told me that if i do not pay my debt owed to personify financial that i will go to court. i do not believe they can do this. i want them to stop telling me this and just close the debt owed to personify out completely. there is no way im paying this amount of money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WV

Complaint narrative:
TMS purchased our mortgage from XXXX XXXX around XX/XX/2021. They said we were {$4000.00} behind on our mortgage. So we tried to contact XXXX, they could no longer send us any information for it was no longer their account. It took almost 6 months for TMS to send over a complete payment history/ spreadsheet. They sent a spreadsheet and the numbers and the items listed do not make any sense to us. I am attaching the spreadsheet to this complaint because we need clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I bought four XXXX watches from Best Buy using the Best Buy credit card all four items should be delivered on the same day in this case when I get home I only see two items at my door I called Best Buy about the issue they said they can refund me Reship the item I asked them to re-ship the item if its available they said they reach out back to me when they reach out to me by email its a refund they issued to me on XX/XX/XXXX from XX/XX/XXXX till now I have not seen that money going back on my Best Buy card I called the bank about it they keep on transferring me to Best Buy having me on all for 1 to 2 hours and cut me off at Even text them on their app and theyre stating that theres a refund issued out but I am not seeing that refund Till the representative asked me if I report the case to the police yes I have report the case to the police and they have done the investigation and saw that its all going to item was delivered that day I dont know what scam game Best Buy is doing what they need to resolve 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 non-monetary relief
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I received notification from XXXX XXXX XXXX of an CLOSED account added to my Credit Report. The CLOSED account was Sequium Asset Solution. It was with XXXX XXXX XXXX, however, I do not own, have, ever have an XXXX XXXX XXXX account, internet, phone bill, or cable. 

A few months prior to XX/XX/XXXX, I received notification from XXXX XXXX XXXX of another CLOSED account added to my Credit Report. The CLOSED account was XXXX XXXX. I attempted to contact XXXX XXXX, however, due to having an account with them I could not talk to a representative. I file a claim with XXXX about this incident including the place report. 

I could not file a claim/dispute with XXXX XXXX XXXX due to not having an account. I attempted to contact Sequium Asset Solutions but they continued to hang up, not answer, or sent me to voicemail when I attempted to ask them about this Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on COMENITYCAPITALXXXX XXXX XXXX Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. 
XXXX XXXX Opened Date XX/XX/2017 Balance {$0.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Really didnt know what to select on screen prior my issue is that the company Regional Acceptance that I have my car loan with posted a late payment onto my credit when in reality it has not been 30 days late. My payment was late but not enough for my credit to be affect I did reach out to the they said they would look into it because they do not know how this happened

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 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason. and they hold my money for 180 days even my costumers got all the items the ordered and they happy with it. and paypal try to stole my money for 180 days after they got all the fees. my paypal email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have 3 accounts at Bank of America, 1 personal, and 2 businesses. Since the opening of the XXXX XXXX account, I have never received any support not offered products, and didn't get one single credit card. I tried many times to reach the representative but he does not answer back. Business is reaching XXXX in sales this year and is unacceptable for a bank to treat a client like this. I need one representative that can call me and discuss the business and offer products that help small businesses.

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 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CCS Collections ( Credit Collection Services ) are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX and I have not agreed to pay anything to CCS Collections ( Credit Collection Services ). 
I have attempted to mail CCS Collections ( Credit Collection Services ) several letters to multiple addresses to allow CCS Collections ( Credit Collection Services ) to validate their debt and the mail was returned to sender ( attachment provided ).

I have no idea how CCS Collections ( Credit Collection Services ) received my private medical information. CCS Collections ( Credit Collection Services ) have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections ( Credit Collection Services ) continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of a previous dispute from CCS Collections ( Credit Collection Services ) that was removed. 
Please be advised that the address provided by CCS Collections ( Credit Collection Services ) on my XXXX credit report XXXX XXXXXXXX XXXX XXXX, MA XXXX is an incorrect address. 
The address of XXXX XXXX XXXX XXXX, MA XXXX provided by CCS Collections ( Credit Collection Services ) on their website is also not a working address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I called Credit Collection Services XXXX I spoke to XXXX XXXX. I informed her that I was an Attorney, and I asked that they validate the debt they were trying to collect on. The underlying transaction was from XXXX XXXX on XX/XX/XXXX - Account Number : XXXX Lab Code : XXXX. The outstanding balance had previously been paid to XXXX, and I have confirmed that I have XXXX balance with XXXX. 

When I asked MsXXXX XXXX to validate the debt, she gave me the date of service. I confirmed the date, but explained that there was no balance owed and that she was trying to collect on a debt that was not owed. I said that she needed to validate with XXXX, she said no that I needed to provide proof of payment. I again asked her to validate the debt- she refused. I next asked if her company was licensed in Michigan and to please provide me the license number, she refused. She said she didn't know if they were licensed in Michigan. Next I asked if she was licensed in Michigan, again she refused. 

My complaint is they were trying to collect on a debt not owed, refused to validate the debt, and refused to disclose if they were licensed in Michigan, or to give me their license number. 

I believe that they are not in compliance with the FDCPA. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: SC

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation