vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Hello, my name is XXXX. i have been going back and forth with XXXX XXXX services as well as XXXX  Regarding unauthorized inquiries and accounts on my report that I didnt authorize, these inquiries are on my credit report which i have submitted multiple FTCs to the creditors and Bureaus with no help. XXXX and XXXX both stated they needed a FTC to conclude the investigation which i have submitted multiple times with no assistance. We are on the verge of filing a lawsuit against XXXX for the violation of consumer act. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : XXXX  XXXX XXXX on both XXXX and XXXX as well as Santander Consumer USA on XXXX. Here are the inquiries listed below : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), i will be pursing litigation against them for fraud pain suffering!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Last year my son was very ill, it was around that time where I ended up in the emergency department at XXXX XXXX XXXX. When I was released, I went back to being inpatient with my son. I received a call sometime in 2020 about this bill from the collections agency. I had not received a bill from the hospital nor was I given the opportunity to work it out. 

At the time, they explained to me where the bill was from and that if I didn't pay the amount in full, it will be reported to the credit bureau. 

I had not seen the bill before and I was not in a position to pay the full amount in a short period of time. 

In XXXX my credit score dropped drastically, this was due to Credit Control Corporation reporting this bill to the bureau as they threatened me with and followed through. 

I called and explained I couldn't pay and said this was already in the bureau and nothing they could do and offered me a settlement which I couldn't do at the time. 

In XXXX they reported the same debt again, and most recently in XXXX, last week. This is very unfair and XXXX practice. When I spoke to them, they said " to pay as little as I could when I could and not to worry about the bureau as this had already been reported '' this was not true. Instead they have been reporting it to all credit bureaus each month, making my credit drop for over 80 points and putting at risk my financial stability and established obligations with other creditors. 

I ask to resolve this issue by Credit Control Corporation removing these reports that have been so damaging to me and my family ( last XXXX months ) and to stop reporting the same thing month over month. We are still battling with major illnesses and are willing to work something out when we are in a position to do so. However, under fcra and fdcpa I think the excessive reporting and contradicting information is a violation of my consumer rights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I have repeatedly asked for validations of the debts they are claiming, ( by certified mail ) and never receive a response. I have no medical debts, nor would I grant written permission, under the HIPPA laws... For access to any medical information!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
Security Credit Services has failed to comply with the Fair Debt collection practices Act.

This company is in violation of 15 USC 1692b2 acquisition of location information.

( 2 ) not state that such consumer owes any debt ; the term State means any state, territory, or possession of the United States, the District of Columbia, the XXXX of XXXX XXXX, or any political subdivision any of the foregoing. I do not live in the state of Texas therefore this company can not collect a debt, force, or harass me to pay a fraudulent debt. 
Security Credit Services has also failed to comply with my request. Pursuant to 15 USC 1692 G debt validation five rules debt collector must send a written notice containing as validation ( 1 ) the amount of the debt ( 2 ) the name of the Creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the 30-day. That debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such a verification or judgment will be mailed to the consumer by the debt collector ( 5 ) a statement that, upon the consumers written request within the 30-day. The debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

I have requested all 5 of these rules and Security Credit Services as simply not complied which is a violation.

Within the documentation sent by Security Credit Services I have received paperwork that has a multitude of violations including 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15USC 1692E ( 10 ) and 15 USC 1692 ( d ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
" IDENTITY THEF '' Capital One, is on my credit report and I, never had a credit card from this institution. 
Dates : ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX, is on my credit report also and I, never filed for a loan/ Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Is on my credit report and i never used their bank. Date : XX/XX/XXXX XXXX XXXX ( FINANCE ) Date : XX/XX/XXXX All of this is on my credit report and I, don't know how.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I received communication from my mortgage provider that my home owners insurance had expired and that they would seek to provide coverage that would be more expensive and less coverage than if I would be able to obtain on my own. I cancelled my policy at year end of XXXX with XXXX XXXX and went with a new insurance provider ( XXXX ) for this year XXXX. There was some mis-communication between my new insurance provider and my mortgage lender. My mortgage lender never received the new policy. I was first contacted by them through mail sometime in XXXX and they had instructions on how to upload my new insurance info through the 3rd party website XXXX which I went and completed. I thought everything was good until XXXX when my new bill for XXXX went up by {$150.00}. I called on XXXX, XXXX, XXXX & XXXX trying to resolve this issue and I asked them to also remove my insurance from being calculated in the escrow account as I will be paying them directly as I have starting this year. All those phone calls, the rep couldn't help me. They gave me email addresses and websites. I tried multiple times to upload my insurance information and sent emails with no return response and my mortgage payment is still increased by {$150.00} and my account still shows my expired insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WA

Complaint narrative:
A company called " XXXX '' keeps calling me. The just say they are trying to get more information to collect a debt. They don't actually specify what the debt is or if it is even mine. They are calling about 2-3 times a week. I have receieved no written notice of ant debts and have no knowledge of any debts I owe. When I searched the company online It looks like it may have been dispanded. And I can't find any actual information on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

XXXX stated that XXXX XXXX and XXXX XXXX reinserted the accounts and verified that it wasn't identity theft. According to the Sec. 605B. Block of information resulting from identity theft ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
Repeatedly attempted to have validation by certified request, but never got a response. 
Then without notice placed a collection on my credit report. 
I would never sign a release of my medical records ( HIPPA ) therefore they never could validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have contacted the credit bureau and they claim the debt is mine. but when I contacted the company I asked for paperwork proving the account is mine and I authorized. The collection company could not send the paper work and I am reporting Portfolio Recovery XXXX account is fraud and Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
in the year of XXXX Mr cooper reached out to me and asked if I was impacted by pandemic I said yes, they advised me that I can go into a forbearance and the payments would go to back of the loan and payments would resume, in XX/XX/XXXX my forbearance expired, to my surprise my loans weren't placed to the back of loan but were all due upfront, they advised me to apply for a loan modification. I applied for a loan modification in XX/XX/XXXX, I was denied for a loan modification 2 weeks later which would have been the end of XX/XX/XXXX, the reason provided was income NPV. I appealed my denial per the instructions and advised the lender my finance situation improved. I sent over updated financial information on XX/XX/XXXX. I was denied on XX/XX/XXXX, which is less than 1 week of submission, citing Income NPV, I looked at the income which was not at all the income I sent over to the lender, hence the lender didn't use my correct income. and my application was not reviewed as it should per their letter and website it takes 30 days to review a loan modification. I didn't received a dedicated loan specialist per their agreement, I wasn't provided with the NPV calculation per the California home protection act, they have blocked the ability for me to receive government help to pay past due amounts, they haven't returned any of my calls or replied to my faxes. I appealed their 2nd denial on XX/XX/XXXX, and again on XX/XX/XXXX. I haven't received any calls of acknowledgement from this place, I am afraid they are plotting to steal my house due to my age I am XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Revenue Recovery, LLC
State: LA

Complaint narrative:
I notified Action Revenue Recover advising them my right for them to verify I owed them a debt on XXXX XXXX, 2022. I havent received a response and the debt is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XXXX my credit card, cell phone, and car was stolen. I reported it to XXXX Police and all of the unauthorized transactions that were made on my Cash app account. Since XXXX I have been going back-and-forth through email correspondence with the Cash app dispute team about the unauthorized transactions that Cash app is refusing to reimburse me for. In the amounts of {$6000.00}, {$1000.00}, {$40.00}, {$40.00} and {$200.00} ( supporting documents attach ) There was other transactions made but I was able to recover payment from the merchants but these are the only five transactions that Cashapp will not support reimbursement for these transactions due to the transactions were made off of the device. Cashapp is refusing to repay me for these transactions because of the excuse that they are using is that the transaction were made off of the device I attach the police report from the authorities to provide proper documentation proving that the device was STOLEN and these transaction are and were UNAUTHORIZED. Also since XXXX my account information has been compromised more than two times and Cashapp had to re-issue me 2 new cards because all the personal information and email attached to my account was changed to the hackers fake email and all my new information was being sent to the hacker email. On XXXX and XXXX Cashapp piped my account because another device was attached to the account which is how the other Unauthorized transactions were being made after the XXXX when the device was stolen. There definitely is a security breach. ( Police report attach ) ive been trying to get this issue resolved with Cashapp and have not had any success due to the fact the dispute department only correspond via email. Cash app also told me to reach out to the people the money was sent to too try and get reimbursed. The problem is my credit card and cell phone was STOLEN. Which is why I call to report this to Cashapp to prevent unauthorized transactions and a big situation from happening but NOTHING WAS DONE. My life savings are all gone. I would like to get paid back the money that was stolen from me. I also have attached emails that I received from Cashapp giving no explanation of Why this claim was denied. Cash app reimburse me for all of the unauthorized transactions that were made prior to these ones and also the ones that were made after these denied claims. I want my money back and answers on how My account was hacked and information breached two more times after the initial complaint was made. My device was stolen, credit card, and car and over total of {$9000.00} was stolen and I still have not been able to get the XXXX reimbursed. I would like a written explanation. I would like to be paid back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
As we all know what is going on in XXXX and how XXXX people are suffering due to XXXX aggression against XXXX. Governments and people around the world are trying to help XXXX people in need who were forced to flee their houses and their cities, leaving everything behind. Same happened with my friend and his family of XXXX kids, who had to flee XXXX and move his family to XXXX part of XXXX for safety. On XX/XX/XXXX I sent a wire transfer from my Wells Fargo personal savings account to his account with XXXX XXXX XXXXXXXX XXXX  located in XXXX XXXX, just to ease their suffering. Wells Fargo happily charged my account {$45.00} for wire transfer fee. Original funds delivery date was on XX/XX/XXXX. Until this date XX/XX/XXXX funds weren't delivered to beneficiary or returned to my account. After numerous calls to Wells Fargo Bank and spending multiple hours on the phone, being transferred from one department to another still no resolution. Received multiple case numbers.. Case Number : XXXX, XXXX, XXXX. Spoke with numerous Wells Fargo 's reps : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Responses varied from : money will be delivered tomorrow, in couple days and final excuse... wire was stopped due to XXXXrelated Sanctions! XXXX! 
There are no sanctions against XXXX!!!! Sanctions against XXXX due to XXXX aggression against XXXX!! 

This can be checked easily be visiting treasury.gov website. This link is for Wells Fargo so called " investigators '' XXXX XXXX XXXX Wire wasn't sent to XXXX or XXXX  person!! 
I'm utterly disappointed with Wells Fargo Bank and their apathy to people 's suffering.

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