vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

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 2020-09-22 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: AL

Complaint narrative:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

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 2020-09-22 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: LJ Ross Associates
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: AZ

Complaint narrative:
I have no debt nor do I owe any Debt to Monterey Coll SVC and I have never done business with Monterey Coll SVC, I Have been harassed by Monterey Coll SVC For at least 4 years now. Monterey Coll SVC has committed many consumer violations against me, I have received calls at my place of employment in the past continually Which is a Violation Of 15 U.S. Code 1692c. ( a ) ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. They also have ruined my reputation and have disabled me from being able to achieve financial stability with their negative reporting, I have been unable to secure a home lease for me and my family which is a violation of The FDCPA 15 U.S. Code 1692d. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I was also threatened by an employee that used abusive language which Is also a violation of the FDCPA 15 U.S. Code 1692d. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. These are all violations. 


XXXX at ( Ext XXXX ) Is the Employee who used abusive language. 

Monterey Coll SVC States That I owe {$1100.00} In which I Do not. 

I Sent out correspondence in which I uploaded those correspondence that I sent here In the file. 

I asked that they provide - Validation of the Debt That is, the actual accounting. 
- A copy of the Contract binding both parties ( me and them ), In a letter by " certified mail '' So that their is an independent " Witness to it having been delivered. '' I have Given Monterey Coll SVC 30 Days to respond to my Correspondence and they have indeed not responded to my request. 





Delivered Tracking # : XXXX Recipient Address : Monterey Coll SVC XXXX XXXX XXXX XXXX XXXX XXXX, CA CA XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. ORIGIN ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3.  PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 7. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 8. OUT FOR DELIVERY, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 9. DELIVERED LEFT WITH INDIVIDUAL, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX The Document was signed for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Several years ago I took out a {$200.00} dollar cash advance loan from my JcPenny Credit Card. I called on XX/XX/2020 to make a full payment for the cash advance balance of {$180.00} and was told it was not possible for me to pay off this amount " the only option is to payoff the entire credit card balance. '' It has been several years since I took out the {$200.00} cash advanced loan and the balance drops down very insignificantly and continues to accrued interest at 27.99 %.

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 2020-09-22 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX XXXX  male. I currently suffer from XXXX XXXX ( XXXX XXXX XXXX   ) and XXXX XXXX ( XXXX XXXX XXXX ). As anyone may know, finding employment with any single XXXX   factor can become an undertakinglet alone having been diagnosed with two. I bring up my XXXX and race simply because I have been taken advantage of by HSBC. I have filed a complaint before and have remained in contact with respective partiesyet after nearly five months there has been no avail. One particular person by the name of XXXX XXXX, has lied on multiple occasions about the succession release of funds to my account. Consequently, my businesses have dwindledthus my source for providing sustenance for my family and myself have vanquished. Moments have become extremely perilous. In fact, I rationalize food and shelter with life saving medication. I have pleaded with XXXX on many occasions to help save my XXXX XXXX XXXX XXXXunfortunately, she continuously refuted. Nevertheless, after many days, weeks, and months without resolveI accord the CFPD once again for guidance and due diligence to bring about a resolute. Again, I know I am XXXX XXXX, XXXX, and disadvantagedbut this is no way a financial instate of this standard should discriminate against the disadvantage. I have reached out to HSBC nearly 200 times during the span of 5 months and each plea has been cascaded with hollow vacant responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I sold my vehicle to a XXXX dealership in XXXX, CA on XXXX XXXX 2020. At the time of the transaction, XXXX called Lexus Financial to get a payoff on my lease. The payoff quote was good until XXXX XXXX, 2020. XXXX dealership subsequently paid my lease off on XXXX XXXX, 2020. 

On XX/XX/2020 I called Lexus Financial to confirm the lease had been paid in full. Their automated phone system said the account had a balance of {$18000.00} and my account was past due for XXXX XXXX, 2020!! 

After being placed on hold for over 20 minutes on two separate occasions and being transferred to three different departments did Lexus Financial confirm my account was indeed paid in full. I asked their resolution department to send me a letter saying it was paid in full. They sent me a letter within minutes, but it said I purchased my vehicle and they were waiting for the funds to clear, neither of which was true. 

I called again on XX/XX/XXXX and again on XX/XX/XXXX, only to be placed on excruciating long holds and to get no resolution. Each time I called they ask approximately XXXX questions to " confirm my identity ''? Never have I experienced such exasperating treatment. I can not get anyone at Lexus Financial Services to assist me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been repeatedly getting spam mail from TD Bank for the past 3 years. 

I first complained about the spam mail to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX XXXX. 
At that time, TD Bank responded to the CFPB complaint by claiming I could permanently opt out of all spam mail from them by using a link they provided in the response. 
So, I used the link they provided in the response to permanently opt out of all spam mail from them. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, I filed another CFPB complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX XXXX. 
This time, TD Bank responded to the CFPB complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, I filed a XXXX XXXX XXXX ( XXXX ) complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX ). 
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. 
So, XXXX re-opened Complaint # XXXX about the same issue and asked TD Bank to respond to it. 
This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. 

Last week, I received the same spam mail from TD Bank which I had received before on several occasions. 
Under the CAN-SPAM Act, once a spam recipient opts out of spam sent by a sender, the sender is legally requited to honor such an opt-out request. 
But instead of complying with the law, TD Bank keeps blatantly lying ( in their response to every complaint ) they have honored the opt-out request when, in fact, they have done no such thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
Our family and the families of our cosigners are XXXX and people with Limited English Proficient ( LEP ). 
When applying to Sallie Mae Bank for a student loan to pay for tuition at XXXX University, we did not receive any explanation from this Banks about the financial risks for the borrower and his cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Bank is simply trying to involve more people in the process of obtaining a student loan for his greater safety, that is, Bank puts his financial security first, and not the financial security of his customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Bank and our cosigners. We made several full payments in Sallie Mae Bank even while our son is still student. We continue to make payments to Sallie Mae Bank, but our financial resources have run out. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again,  we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of Sallie Mae Bank towards us as his clients and his unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing contracts for student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX that are reporting incorrectly, as well as several inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today I woke up and tried to log in to my Bank of America 's online banking and I couldn't, so I called the bank and they told me that my access was blocked and they were closing my account. 

I have had a relationship with this bank since 2015. I had 2 business accounts ( savings and checkings for both of them ) and my personal account and they closed them without notice ... 

They had my phone number, email address, and my physical address but they didn't contact me, I had to call them to find out what was going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 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: STERLING JEWELERS, INC.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

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 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
As coronavirus destroyed XXXX XXXX  industry and people stopped taking XXXX, I lost my income on my XXXX  XXXX  XXXX, however PenFed credit union to whom I owe money for my taxi loan demands me to pay my XXXX loan as if no coronavirus happened in New York. I would like you to ask PenFed credit union to delay with forcing me to pay my taxi loan to credit union as it is now the worst pandemic in 100 years and the worst recession since the XXXX XXXX. At the time of XXXX  crisis in New York, I could not get any income on my XXXX  XXXX  as there are no riders in XXXX XXXX  XXXX because tourists refused to travel to New York, airports do not work and people who get to New York from 29-states are expected to be kept in 14-days quarantine before they are allowed to walk on the streets. In addition, as the XXXX shows are closed there are no people who take XXXX  for that shows. My XXXX  agent refused to pay my lease payment on my two XXXX  XXXX  and put them into XXXX  storage saying that there is no income to pay me a lease payment. At the same time the XXXX   does not enforce any regulations on XXXX  XXXX  industry and ignores what happened in XXXX  industry. Without any income from my XXXX  XXXX, I am unable to pay PenFed credit union on my XXXX  loan. As I ask my PenFed credit union manager, XXXX XXXX, to delay with payment on my XXXX  loan until taxi business come back with people taking XXXX XXXX   again, he refused to listen to me. By forcing me with my loan payment to PenFed, which I am unable to pay as I have no income, I will default on my XXXX loan to PenFed would seize my XXXX XXXX  and everything I have worked hard all my life. I would like to ask you to tell PenFed to wait until coronavirus vaccine will come to New York and people won't feel scared to take XXXX  XXXX  again.

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 2020-09-22 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: ERC
State: NV

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
In XXXX I received two notices that Flagstar Bank Mortgage needed a copy of my flood insurance renewal ( they took over servicing earlier in the year ). I sent a copy via their XXXX and subsequently faxed over a copy also. They claimed non-receipt due to fax and uploading problems so I repeated the process being assured by phone reps that would resolve the problem. On XXXX XXXX, I received a second and final notice about this insurance. I called the company again and was given a secret special fax number. I then reuploaded the insurance document of flood insurance from my HOA with my unit number posted clearly and also faxed it to the regular fax and special fax twice. I called again and was told it was not received again. I received a letter dated XX/XX/2020, that a l ender placed flood insurance for {$2000.00} had been charged to my account. I called Flagstar insurance division on XXXX XXXX, and spoke to XXXX for over an hour while she researched my account and " found '' the document. She reassured me, as had prior reps that it would be resolved in five business days. However,, it is never resolved and I never receive anything but form letters threatening or charging me {$2000.00} for lender placed insurance. I have now submitted the requested insurance information 13 times wihout avail. This appears unfair and either grossly negligent or fraudulent behavior.

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