vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
Please see and process our complaint against the above referenced collections agency and health insurance company operating within your jurisdiction. 

As per the attached, now our baby infant son XXXX XXXX has been referred to the XXXX XXXX XXXX XXXX XXXX collections agency, and this really XXXX me off. 

We could be patient before with delays/lacks of payments on already approved claims, while we dutifully pay approximately {$1300.00} per month without fail XXXX not easy ) but now these people are ruining our little baby 's life and credit. 

Please get them to pay this bill, as well as all of the other ones that were approved and in cue, so that no further collections letters are forthcoming, no one 's credit gets hurt/ruined, and to avoid a massive lawsuit from my law office against all of these individuals demanding actual and punitive damages in the millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart 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. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau, I intend to keep a log of any correspondence from your agency made after receipt of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: BHFC Financial Services INC
State: AZ

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Westlake Services, LLC
State: IL

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. I co signed a vehicle for XXXX XXXX. He filed for bankruptcy on XX/XX/XXXX. But he settled with the vehicle loan company, Westlake Financial, for the vehicle and bought it. Everything was finalized by XX/XX/XXXX. XXXX sold the vehicle on XX/XX/XXXX to a company, XXXX, after an accident. However, assuming since he bought the vehicle and received the title that it was going to be off my credit. But recently I came to know that the loan was never removed from my credit report. We spoke with Westlake Financial and they claim they have stopped reporting the vehicle loan since XXXX. I tried disputing this with the credit bureaus but they are claiming they cant find my account. I would just like this vehicle loan of my record so I could continue to use my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart v. Gravens ( Mo XXXX 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be validated or deleted and removed from my credit record, these items must be removed from the credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

I have not supplied proof under the doctrine of estoppel by silence, Englehart 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. 

This complaint letter is a private matter governed by the Fair Credit Reporting Act, and Consumer Privacy Bill of Rights. If you fail to heed to this notice, my next step will be to file a formal complaint against this agency with the Federal Trade Commission, the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
Wakefield and Associates continue to call my phone 2 to 3 times a day I've asked them to verify this debit with a signature that I sign to authorize medical consent and financial responsibility. I know I never sign anything in 2018 to present with any emergency department regarding this bill they say I owe nor have they honor my request for a sign documentation in my handwriting. I've dispute this debit with all 3 credit report agencies and the say it's valid. As far as I'm concerned it's not a valid debit with out a valid signature from me I do not owe the debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Mortgage was paid off on XX/XX/2021. Home was sold, we moved to Florida. We are nearly 60 days and the escrow refund has not been issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
All of this took place on the Cryto.Com App. 
On XX/XX/2021, I attempted to buy XXXX XXXX, the crypto. After attempting, the app timed out and I was told that the transaction failed and was canceled. I tried 4 more times, attempting to buy, and received the same error. These were at XXXX, XXXX, XXXX, and XXXX XXXX  Central Time. I gave up and tried later at XXXX and the transaction went through, for XXXX USD. 

On XX/XX/2021, I checked the app and saw four purchases for XXXX were made on my account, at the same times XXXX XXXX  Central Time for varying amounts of XXXX : XXXX for XXXX USD, XXXX for XXXX USD, XXXX for XXXX USD, and XXXX for XXXX USD. I attempted three times at XXXX on XX/XX/XXXX to reach support through their automated system and received no messages or ability to call or email for support. The fourth time, I was told they would email me shortly and heard nothing. 

At XXXX XXXX  on XX/XX/2021, I attempted to sell the XXXX bought on my account, a total of XXXX XXXX for XXXX USD. But, when trying to move that money back onto my credit card, I was told the minimum was XXXX USD to transfer. I do not have that much on my Crypto.Com account, nor do I want to have to spend money to receive the money taken out of my account wrongfully in the first place. The company has not responded to any of my support requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: PA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: SC

Complaint narrative:
Medical data system claims that I owe a debt with them for {$710.00}. And I have never had an account with medical data system. And if this is a medical debt this would be a HIPPA violation with sharing my information to a 3rd party company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MO

Complaint narrative:
For You and Experian : I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance., And know Attaching Files on Your Website is NOT working if only at this time, FTC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: CA

Complaint narrative:
There are 8 accounts showing up on my credit report that do not belong to me I have been wtriting and calling the bureaus regarding this but nothing is being done I have opened a FTC report regarding Identity theft I need this taken care of asap!!! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX XXXX my account was compromise and created a fraud ACH {$1000.00} from my savings plus {$5000.00} worth in XXXX  coin, I have try nonstop emailing the company XXXX with no luck. I can not access my account and they company hasnt responded with any services or at least to tell me your funds are save. 
All they gave me was a case number # XXXX. 
Can you please help me recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Well in XX/XX/XXXX Seterus sold my mortagage to mr cooper. We paid a payment that month which mr cooper didnt process an I have been late ever since. I asked for a pandemic forebrance and received in XX/XX/XXXX I have a XXXX XXXX loan. They would not extend it and it ended XXXX. So they are going against the federal guidelines and not continuing.I live in Michigan in the county has is the hottest for covid 19. I am XXXX and afraid of leaving my house. Anyway a young man XXXX said i was approved for six months.Today i check back and told no. I am so upset that I am going to be thrown out of my house into a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
To Equifax To XXXX To XXXX XXXX XXXX.D.O.B. XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of Convergent Outsourcing. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and Convergent Outsourcing to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requested ... PLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you 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 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/21 I sent an affidavit of truth stating that Experian violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked for a verification of the accounts. Since they claim the accounts were indeed verified and accurate, I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in the following accounts : Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX Account Name : 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 2021-05-11 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: I.C. System, Inc.
State: ID

Complaint narrative:
IC Systems is reporting debts on my credit file that are not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If IC Systems is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
Not abiding by court filed agreement between my attorney and theirs. Read filing with court. 

Depriving veteran of entitled forbearance. 

House not included in bankruptcy. 

Veteransunited has been terrible. Customer service hangs up the phone on me and is rude because I filed for bankruptcy. 

Again, house not included in bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
Had a Simple Bank checking account. Bank transitioned to BBVA USA on XXXX XX/XX/2021. Since then it has been a total disaster and very little help from BBVA. It took all day on the XXXX and part of the XXXX just to access the new BBVA account I have been frequently unable to access account via mobile app or via online banking website. The rare times I am able to login, have tried multiple times to transfer money out of account to XXXX but continue to get system errors or unable service errors when transfer submitted. Spent 2 hours on phone with customer service today ( XXXX XXXX ) and same situation with transfer. During the call both BBVA website and mobile app went offline. Customer service rep and then manager said I could go to a branch and do this. I live in XXXX TN and closest branch is in Alabama 82 miles away. Then they offered to mail me a check via standard US Postal Service, I said that is not acceptable to me based on current ineptitude with this transition and complete lack of faith in this bank. Based on the BBVA XXXX feed regarding this transition it seems that a multitude of Simple account owners are experiencing the same horrible experience of limited or no access to their account. 

BBVA will also not waive the transfer fee of {$3.00} per transaction. Have {$5500.00} in account and their daily limit to transfer is {$5000.00} so this is costing me {$6.00} to close the account and they said they would not waive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/21 I sent an affidavit of truth stating that Equifax violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked for a verification of the accounts. Since they claim the accounts were verified and accurate, I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in the following accounts. 

Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation