vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United We Collect, Inc.
State: FL

Complaint narrative:
I received an alert from XXXX  about an account being reported by UNITED WE COLLECT INC. Please be advised this item reported to XXXX  by UNITED WE COLLECT INC is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to UNITED WE COLLECT INC, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against UNITED WE COLLECT INC should this item not be deleted within the required time allowed by law. UNITED WE COLLECT INC is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have made a payment of {$97.00} on PayPal to XXXX XXXX XXXX XXXX on XX/XX/2020 for a product. After I made the payment and told him, he instantly blocked me on XXXX XXXX. I'm convinced that he has done this with not just me, but with many other people as well. This is blatant fraud and scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
Contacted Mercedes Benz Financial Services XX/XX/XXXX after totaled vehicle. Insurance claim was submitted. Insurance paid {$17000.00} of the final balance of {$29000.00}. Vehicle warranties were cancelled which totaled {$3800.00}. Balance was {$7400.00}. XXXX GAP Warranty paid balance leaving total at {$0.00}. XXXX XXXX, warranty refunds, and GAP Warranty checks were cashed. Still, Mercedes Benz Financial Services reporter the balance of XXXX on my credit report since XX/XX/XXXX. This has caused adverse affect on my credit report. I contacted the merchant numerous times between XXXX-Present. Last contact was XX/XX/XXXX when third party credit collector attempted to collect on this false debt. I provided the detailed document to the third party collection agency and Mercedes Benz Financial Services. This has caused adverse damage to my credit score and report and has affected me from other business involving my credit file. I seek to recover monetary damages from Mercedes Benz Financial Services and the third party credit collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I checked my credit, my XXXX report, and saw ENHANCED RECOVERY CO L Account # XXXX Original Creditor XXXX XXXX XXXX XXXX for {$960.00}. I just became employed after a COVID19 layoff. I'd like to settle the debt for {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account was settled and paid and still in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: NJ

Complaint narrative:
as previously notified, I am a victim of identity theft

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 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I checked my credit report and saw two accounts from PROFESSIONAL DEBT for XXXX XXXX XXXX  - {$650.00} and XXXX XXXX  - {$260.00}. I just became employed, and I would like to settle the total debt owed with one payment of {$450.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  ( an unsecured line of credit/credit card ) with US Bank REF # XXXX. 

I applied at the XXXX XXXX branch of US Bank. 

US Bank XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX The staff at the branch, the banker and the manager were excellent and friendly. 

I applied for the loan and according to my US Bank account my XXXX score is XXXX. They denied my loan request. First they said my debt to income ratio was to high. I asked them to relook and discovered my student loan payment was reporting a monthly payment of {$1500.00}. This is incorrect. I made a large payment because due to COVID 19 the interest rate of the loan was dropped to 0 %. Therefore the PAYMENT reported higher. 

I called the bankers in XXXX talked to them. They asked for the District Manager to  request an exception and told me to send proof of my payment amount on my student loans, which I did. This brought my debt to income ratio in line. My XXXX  is XXXX. They STILL DENIED my loan and would not make an exception bc of " Past Performance ''. 

This is ridiculous, when I opened my account they game me a XXXX credit card in XX/XX/XXXX so there is no reason they would not want to lend me money. I don't understand how their exception process would not allow for me to have a line of credit with them. I have good income, high credit, consistent job history, I'm a director at a different bank, and only my student loan on my credit bureaus. I seriously wonder if they review and track their exceptions. 

I feel like the bank potentially discriminated against my application and or did not treat me the same way as other prime borrowers.

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 2020-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX, our loan officer we were given when starting the process with Veterans United. She informed me because of the type of loan we were going to be getting she was transferring us over to XXXX XXXX. Thats where the issues began. He rushed me off the phone that day ( Friday afternoon ) when trying to ask questions. On the Monday I emailed him concerns and asked if we could speak on Tuesday to answer questions my husband and I had. He emailed me back mid morning saying he had a meeting and would call me back that afternoon. He did answer some of my questions on the email. The call never came. Here we are a week later and still no call, no email, no form of communication!! It was my understanding after 3 days of you didnt sign the forms the loan would be null and void. I did not want to sign something without the loan officer answering my concerns! We have since found another lender whom has been wonderful to deal with. Veterans Uniteds professionalism and lack of concern is distasteful!

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 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
This relates to my existing claim, number XXXX, with M & T Bank. 

After the bank improperly drilled my safe deposit box and lost a coin, they sent my items to the bank 's abandoned property division. I was advised by the XXXX branch ( where the deposit box was located ) that the Bank 's XXXX  M & T XXXX  branch would have the bulk of my safe deposit box possessions. This afternoon, I went to the XXXX M & T XXXX, XXXX branch to claim my property. 

When I arrived, the bank provided me with an affidavit to sign before I could even look at my property. I refused to so sign. The affidavit had prepopulated choices for the reason that the box was drilled. One was non-payment, the other was some other irrelevant choice whose name escapes me. The bank thus wanted me to state that it was my fault that box was drilled, when it was wholly caused by the bank 's  failure to update its systems and to send me certified letters to the address that I provided the bank. 

The affidavit also required me to state that " all '' the contents of the box had been returned to me. This is not true. First, I couldn't even look at the contents before being required to so sign. Through a subsequent conversation with bank employees, I learned that they intended to reference the itemization that they provided. I believe that a maple leaf coin is missing. I am not going to swear out a false affidavit. 

My failure to state that the drilling of the box was my fault, and my failure to state that the bank fully provided me with my property ( neither statement is true ) was the sole reason that I was denied my property today. I escalated to a commercial manager, who was not helpful nor sympathetic. He provided me with the name of XXXX 's retail risk manager, a woman named XXXX, and I left her a message. I have yet to hear back from her. 

This conduct is unacceptable. In sum, the bank 's systems were not updated. They drilled my box without cause, despite the fact that I had a current box lease for that time period. They then lost one of my coins. Upon taking five days to get my property together, they then refused to provide my own property to me without signing an affidavit stating that it was my fault, and that it was fully returned. That can not possibly be legal.

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 2020-10-06 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:
I have tried for the last two years to dispute several accounts on my credit report that are fraudulent and the credit bureaus refused to remove the accounts. I have filed an identity theft report. My personal information was compromised 2 years ago in a data breach and I have been fighting this for all those two years to no avail. No one will listen and remove the fraudulent accounts. They are not mine. I did not personally open these accounts and my rights and private information are being violated by these credit bureaus who refuse to remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION BUREAU INCORPORATED
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a letter from a debt collector about a debt that I had previous reported and have been reporting identity theft on. I sent the copy of the police report, statements, and evidence of my identity theft every six months sin
ce XX/XX/XXXX. 
This debt was with another debt collection agency and it has been sold to Collection Bureau INC after I began reporting identity theft, the latest  time XX/XX/XXXX, on this debt. 
This debt has been recycled and it is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Payment safeguard fee applied to our citi credit card account WITHOUT authorization and company is unwilling to refund charges.

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 2020-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 non-monetary relief
Consumer complaint received 2020-10-06 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I cancelled This Equifax recurring Transaction ion XX/XX/2016 at XXXX XXXX and have the Email from Equifax To prove it and the continued charging me almost 4 years later till I called tonight and they cancelled it again.

I tried to get my money back and they refused.

I need help getting my money back to my Credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I would like to draw attention to the attempted predatory payment practices of Select Portfolio Servicing that holds my current mortgage. Since COVID became a concern the company repeatedly puts me on forbearance plans without my consent. I have called every  month since XXXX to make manual payments to stay current, despite their website confirming that I have an active ACH withdrawal scheduled for my payment each month. On each call as recent as XXXX the rep will assure me that my next payment will resume with automatic withdrawal. I DO NOT WANT OR NEED A FORBEARANCE PLAN! I find this practice to be predatory in that the company is providing inaccurate assurance of ACH withdrawal yet Im continuously forced to manually make payment to avoid the appearance that Im accepting the forbearance. The website guidance about payment ACH is inaccurate. I fear that a forbearance will be reported to the credit bureaus based on Select Poetfolios inability to rectify my multiple requests to simply TAKE MY PAYMENT ON TIME EACH MONTH with the documented ACH on file. I have never had to beg a company to take my money each month like this. Forbearance should require an opt in notice. Instead Select Portfolio has opted all clients in saying to call to opt out. Calls to opt out result is full customer service failure only to start the entire request all over again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
I received a mailed letter today saying from Allied International Credit Corp that I owe a debt of {$110.00} to ebay. I logged into XXXX and no such debt is owed. This company is using my former name and my home address and mailed me what I believe is a scam letter trying to collect a check or money order from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: VA

Complaint narrative:
I have submitted three letters to Equifax asking them to remove account XXXX XXXX from my credit report. This account is an Unknown Account and has no Account Number no contact information and is missing other info. This account is reporting inaccurately and needs to be removed from my Credit File.

Company response to consumer: Closed with explanation