vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a vehicle loan with XXXX XXXX with a payment due date of the XXXX of every month. 

XX/XX/2021 - I was 26 days past due on my monthly payment and requested the payment for the month be extended to the end of the loan. I spoke with a customer service representative named XXXX. During the call, XXXX told me that she would check to see if I was eligible to extend the payment. After checking, she came back and told me that I was approved. I do not recall her telling me that she was emailing me something to sign, but according to XXXX, she did. What she did not do was tell me that I had to have the document back before the extension was actually official and that if I didn't have the document back before the next payment, a 30 day negative report would be reported to the credit bureaus. 

During the call I specifically asked XXXX if the account had been reported negatively to the credit bureaus, she confirmed that it had not and I explained that I was glad and that I didn't want that to happen. Even at that time, the representative did not explain that the extension was not complete and that I needed to have the signed document in before it was. 

At the end of the call, based on information given to me by the representative, I was under the impression that the extension was granted and I was not at all aware that if was not final until the signed document was submitted. 

I did not sign the document until around XX/XX/2021. A couple of days later, I got an alert that something happened with my credit score, upon looking, I saw that I had a negative report from XXXX. 

I called XXXX and told them that I did not recall the rep ever telling me that I had to sign the document, and that I know she did not advise me that the extension was not final until they received the signed document. She DID tell me that the extension was approved. 

I have requested that XXXX remove the negative report since they told me the extension was approved, not conditionally approved. They have declined to change the report. 

On XX/XX/2021 I asked for the recording of the call. On XX/XX/2021 I called and spoke with a representative named XXXX and he told me that XXXX had the recording, but I could not have a copy of it, nor would they let me have a transcript or allow me to listen to the call. 

I believe XXXX was wrong for the negative reporting, since they APPROVED the extension on XX/XX/2021 and did NOT tell me that it was not approved until the document was signed. 

I would like the negative report removed and I would like to hear to the phone conversation or have a transcript.

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 — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I contacted PHH mortgage company and asked about having my payments deferred/forbearance and was told I could have them deferred for 3 months and the 3 missed payments would have to be paid at the end of the 90 days

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am puzzled that the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove them now. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: RI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Greetings, This is a formal complaint against Medical Data Systems Inc for furnishing information to XXXX  that it once requested removed from all three credit reporting agencies which includes XXXX. 

The actions of Medical Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. 

The following documents submitted outline the unlawful conduct and actions of Medical Data Systems Inc in their question to damage my credit standing based on XXXX motivation and retaliatory tactics for filing a complaint against Medical Data Systems Inc with the Florida Office of Financial Regulation. 

Please review the following attachments. 

Sincerely, XXXX 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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Recovery Agency Inc.
State: KS

Complaint narrative:
I checked my credit report and there are 2 negative inquiries that are affecting my credit situation, it is showing medical debt collection, I first contacted XXXX XXXX XXXX to ask about this because I have been paying my medical bills directly onto the website ; I have not seen this last amount, so they told me that the account went to the collection agency Accounts Recovery, phone XXXX. 
I need this debt to be out of my credit report.

Company response to consumer: Untimely response
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: FL

Complaint narrative:
Im exercising my right under the Fair Credit Reporting Act, Section 609, to request removal of below listed hard inquiries as the listed companies did not obtain written authorization to pull my credit. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I declined a forbearance extension and resumed payments starting XX/XX/2021 as instructed by my mortgage company Wells Fargo. I contacted them and informed them in XXXX that I no longer needed forbearance and resumed payments. I made payments monthly until the present. 

I made plans to refinance my loan because I did not want a hidden lean on my home to resolve the unpaid balance and pay off the principal. 

I was approved for the refinance and not able to move forward because I am being coerced to complete paperwork in order to remove the forbearance even though I was told that it expired in XXXX, instructed to make payments and have been current on those payments since making them in XXXX. 

I have informed the bank repeatedly that I did not want that options. I was asked for other options and was not provided with any alternatives. I found a finance company offering an option that works best for me and I am not being allowed the opportunity to move forward. 

I feel like I am being taken advantage of as a consumer who is trying her best to resolve a balance in a manner that meets my needs. I have a an excellent payment history with this mortgage company and I am unhappy and disappointed about the predatory behavior and unwillingness to work with me to establish this refinance and resolve the balance 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 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: MI

Complaint narrative:
On XX/XX/2021, BBVA absorbed its subsidiary Simple Bank. In the preceding months, BBVA assured me that the transition would be smooth, and that on XX/XX/XXXX I would be able to quickly set up online access to my account. That simply did not happen. 

On XX/XX/2021, I called both Simple and BBVA to try to set up a BBVA mobile account before the XX/XX/2021 hard transition. I was told by a representative of BBVA that Simple customers would not be able to set up a BBVA mobile and online portal before the XX/XX/XXXX switch. The representative also informed me that I would not be able to access my Simple account after XX/XX/2021 at XXXX XXXX 

On XX/XX/2021, I attempted to set up a BBVA mobile account, and received an error message. After repeatedly trying to set up the account, I called customer service. At this time I could not check by balance through BBVA or access my account through the Simple App, I seemingly had no way to access my account. On this call, the customer service rep stated that the issue was that BBVA had created 2 accounts for my bank account and that was what was causing the error. They assured me that the problem would be rectified by the afternoon. It wasn't. 

That afternoon I again attempted to create my BBVA account, and again I received an error message. I again called BBVA 's customer service line, and waited on hold for more than 30 minutes without an answer. I tried to create an account again later that evening without success. 

The next day I called BBVA at least 5 times, and waited on hold for more than 3 hours cumulatively. I tried different BBVA supplied customer service numbers. On one, I got a message notifying me that BBVA 's customer service line was closed until Monday. On another, a representative seemingly picked-up, claimed that they could not hear me XXXX before I even had the chance to say hello ), and then hung-up. Finally, I got through to a representative, who had to reset my account multiple times before I could finally gain access. As part of that process, I was informed that, in order to have the representative perform that action, my account would be locked for 24 hours for " security reasons '' and that I would not be able to make deposits or withdrawals from the account. 

While I now have access to the account, and, to my knowledge I have not incurred any fees or lost money as a result of this process, I wanted to submit a complaint due to the manner in which I've been treated by BBVA, and because I have seen reports of other former Simple customers that have been charged fees, or lost money as a result of this process.

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 was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
A purchase was made for a medical devices from XXXX  XXXX XXXX on XX/XX/XXXX for the amount of {$280.00} and {$360.00}. I made neither of these purchases. The listed recipient for these purchases utilized my name and date of birth. The accounts went to a collection agency ( AWA COLLECTIONS ). I contacted AWA COLLECTIONS ( XXXX ) in XXXX and XXXX of XXXX to dispute the fraudulent accounts. After speaking with a AWA representative I learned that the recipient listed a California home address in XXXX. I am not a resident of California and have lived in Texas since XXXX. She also mentioned that my date of birth is listed. However, she informed me they didn't have a social security number on file, which she stated was 'odd '. 

Next, I filed a dispute with all 3 credit reporting bureaus pertaining to the fraudulent derogatory accounts. They were removed from both XXXX  and XXXX but remain on my XXXX credit record. I contacted XXXX  and inquired about a status update. The XXXX representative informed me to file a fraudulent claims report with the Federal Trade Commission and provide the report along with proof of identity ( Drivers License ), and re-dispute the claims today. I have re-disputed the claims with XXXX as instructed and uploaded my Drivers License to XXXXupload. 

I have also activated a Fraud Alert with XXXX to further protect my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America ATM to deposit 2 checks totaling {$960.00} plus {$7000.00} in cash during my transaction of depositing the cash I got an error on the ATM and a receipt stating an error occurred and contact XXXX. I contacted this number right away. They filed a claim for me ( claim # XXXX ) and stated it would take 1 to 2 business days to get reviewed. I checked my account today and they 2 checks were credited and only {$300.00} of my cash deposit was credited. I called back today and now I am being told it will take up to 10 business days to be resolved which is XX/XX/XXXX. I put cash in the bank because I needed it available right away due to bills and my son 's XXXX birthday party on Friday, XX/XX/XXXX. 10 business days is an unacceptable timeframe when waiting for such a large amount of discrepancy to resolve.

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 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 is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I did go through a loan modified XXXX XXXX reporting to credit bureaus. In XXXX of XXXX, Nationstar Mortgage started reporting my mortgage payment to credit bureaus. Mr. Cooper became part of Nationstar Mortgage in XXXX of XXXX. In XXXX of XXXX that was went the mortgage payment stop been reported. I was trying to refinance that went I found out my mortgage payment was not been reported. I have letter from Nationstar Mortgage and Mr.Cooper that I, successful completion y loan modification. 

In XXXX I did file for a Charter XXXX Bankruptcy, my house was not included have court documents. At the time of the bankruptcy XXXX, XXXX XXXX XXXX had my mortgage which is in the court documents. The bankruptcy has been removed from my credit report. It was discharged XXXX of XXXX. Talk to Mr. CoppeXXXX on XXXXhree occasions every person say they see that the bankruptcy was discharged. Can not give me a reason why its not been reported.

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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 is not yours
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation