vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
I sent documentation and letter stating the amount owed on this account and was told I was owed {$76.00} for Acct # XXXX. 

I sent a letter on XX/XX/2021 and XX/XX/2021 to this debt collector request a dispute and documentation that I have signed to prove that i owe this debt. They stated that they had proof that i signed the documentation but never provided with a sign documentation that i owed that debt. 

I requested proof of the authenticity of this account. They stated that they were debt collector and had proof. In addition, I sent a HIPPA letter and stated numerous times for proof of debt from the original debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VT

Complaint narrative:
I had a fire in XX/XX/XXXX. My insurance company sent me the check to fix the damage in XX/XX/XXXX. I mailed the check to the mortgage company Lakeview Loancare in XX/XX/XXXX. 

It is XX/XX/XXXX and the mortgage company refuses to release my funds to my contractors. 

They also refuse to put in writing what is necessary for me to do to have those funds released. They refuse to email me what needs to be done to release the funds. When I call them they place me on hold and then hang up the phone. I have asked to speak to a manager and the person says no and hangs up the phone.

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 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
I was drastically effected by covid 19 which caused a major financial drain in my income. I fell behind on my credit card payments with FNBO after being a loyal customer making on time payments. I did not pay my bill because I didnt want to I was sick and not working I was worried about my health. I enrolled in the forbearance program Im not running away from my responsibility on paying the debt I just feel like FNBO does not care about customers like other major banks and credit card companies. I reached out via email no response customer service provides no assistance so I contacted the XXXX the creditor refused to remove the late payments.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Porania, LLC
State: FL

Complaint narrative:
Hey, so there is a Bankruptcy reporting on my credit report that should not be on there and reporting fraudulent. Its been 30 days and I never got any feed back on it and by law if there is no response you have to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My Loan Care simply decided to break the law by not completing my required 1098. I have not seen such blatant XXXX misconduct since former XXXX XXXX incited an insurrection.

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 2021-04-08 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: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
LETTER IS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX Ameri Save XXXX GA CFPB Complaint Id : XXXX THIS IS A FURTHER FOLLOW UP FOR MUST REMOVE / XXXX  OF EXCESSIVE INQURIES RAN ON MY ACCOUNT EXCESSIVE, UNAUTHORIZED, UNAPPROVED, HARD INQIRIES ON MY CREDIT ACCOUNT IMMEDIATE REMOVAL / XXXX  REQUIRED EXCESSIVE, UNAUTHORIZED, UNAPPROVED HARD INQIRIES ON MY CREDIT REPEATED EXCESSIVE HARD INQURIES RAN ON : SPOKE WITH XXXX XXXX AND XXXX ALSO AGREED THAT INQUIRIES ARE EXCESSIVE RAN AND I NEED TO HAVE AMERI SAVE COOPERATE TO REMOVE/XXXX XX/XX/XXXX XX/XX/XXXX COMPLAINT AND FOLLOW UP : XXXX. 
XX/XX/XXXX through XXXX CFPB Complaint ID : XXXX XXXX. 
XX/XX/XXXX XXXX TO Ameri Save 3. 
XX/XX/XXXX XXXX TO Ameri Save 4. 
XX/XX/XXXX VIA CFPB SUBMITTED FEED BACK YOUR COOPERATION TO REMOVE / XXXX XXXXS REQUIRED NOW

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 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This letter is being sent to you in response to your recent fraudulent verification of an unknown XXXX account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of Florida medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

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 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I received a debt collection letter from CREDIT COLLECTION SERVICES dated XX/XX/2021. It states that I owed a debt in the amount of {$640.00} and that they were attempting to collect on it. I have no contract with CREDIT COLLECTION SERVICES and only know of them based on the correspondence that they sent to my address. I sent a letter to them on XX/XX/2021 in order to have them verify the debt that they are attempting to collect on. They have failed to respond to the correspondence I sent to them. The debt that they are attempting to collect on is secondary to a doctor visit that I had. According to the XXXX XXXX XXXX and Accountability Act ( HIPAA ) it is illegal for any form of health information to be shared with a third party without consent. CREDIT COLLECTION SERVICES has not provided the authority that allows them to contact me in reference to a debt in secondary to my medical services. I have provided copies of the correspondence sent by CREDIT COLLECTION SERVICES and the letter I sent them with this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, my small business account at Wells Fargo received a wire transfer of approximately {$31000.00}. I then used these funds to complete a purchase for the customer. On XX/XX/2021, Wells Fargo debited my account, emptied out all the funds, without my knowledge or consent. If they had any doubts, they could have contacted me when the funds were received. Having the wrong account name but the correct account number, is not a reason for them to return the funds without contacting me, or obtaining my debit authorization. 

Under Uniform Commercial Code 4-A-207, if a beneficiary 's name does not match the account number provided on a payment order received by the beneficiary bank, and " the beneficiary bank does not know that the name and number refer to different persons, it may rely on the number as the proper identification of the beneficiary of the order. The beneficiary 's bank need not determine whether the name and number refer to the same person ''. 

In Wells Fargo Wire Transfer agreement, " if a wire transfer request describes the person to receive the wire transfer ( the " beneficiary '' ) inconsistently by name and account number, the wire transfer may be made on the basis of the account number, even if the account number identifies a person different from the Beneficiary. If a wire transfer request describes a financial institution inconsistently by name and identification number, the identification number may be relied upon as the proper identification.

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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Apparently on or around XX/XX/XXXX this inaccurate and negative collection appeared on my 3 credit reports with TXXXX XXXX XXXX XXXX XXXX have never heard of this company and this is the first time I have seen this alleged debt. I have not received any correspondence prior to it being put straight on my credit reports. The negative reporting has damaged my credit rating and violates FDCPA by not providing proof of debt on where this debt came from, how was the amount owed calculated etc. The reporting indicates that this debt was opened on XX/XX/XXXX. I have no accounts that I opened on that date or even that year that would be related to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We currently hold a mortgage loan with XXXX XXXX XXXX Loancare. In XXXX we refinance with them and then they contacted us to refinance this year. In the process, we determine that they miscalculated the numbers ( an increase of {$260.00} ) once pointed the error out to them they realized it was incorrect. They were going to adjust it internally moving forward onto the new refinance. This was XX/XX/XXXX and set to close no later than XX/XX/XXXX, it is not XXXX and we person we have worked with will not call us back to resolve the refinance or close or fixed the incorrect mortgage amount. We have tried to escalate to loan managers and no return phone calls, email, and contact us online.

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 2021-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am in the process of refinancing my 1st loan and must close escrow at the end of XXXX. My loan with SPS is my 2nd therefore I need to get a subordination. I started the refinance process in XXXX and in XXXX my lender repeatedly reached out to SPS in regards to the subordination but never got a response so they asked me to contact SPS. In early XXXX, I reached out and SPS sent me the list of requirements for the subordination package. OnXX/XX/XXXX, my title company sent in all the requested info. As of today, I have not heard from SPS. I called a couple of times and have been given varying information ranging from " there's no new entry in your account '', " it normally takes 30-45 days '', " there are no timeline requirements '' and " unfortunately it can take a long time ''. I told them that I just wanted to confirm that the request was being worked on and what date it was received but I was told that the received date was irrelevant ( as it wasn't looked for or found ) and that yes it was being worked on ( although it wasn't checked '' ). 

I previously spoke to an ombudsman, XXXX, regarding another issue with a " lost '' Note and I mentioned to him that I was in the process of submitting a subordination packet and he had advised me that once it was received it would take up to 14 days to process and return. 

At this point, I just feel helpless as I have not been able to get any type of real answers. 

I have had several issues already including a lost and unaccounted for payment when this loan was first transferred to SPS and also a Note that could not be located. The Note was needed as part of my refinancing and there was a delay of more than a week before SPS finally found my Note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: FL

Complaint narrative:
I have no knowledge or any records of this account on my credit report. 
I disputed this unknown medical account with XXXX XXXX XXXX and have had no valid response. Please advise me as to the name and address of the health care provider, the name of the patient, and the reported date of service, as any account I might have had at one time would be obsolete. Be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. If you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the CFPB for FCRA and FACTA violations, the OCR for HIPAA violations and appropriate State authorities. Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA, SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX. Additionally Experian is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). I also reserve the right to include your Bureau in any legal remedies I pursue.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.

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 2021-04-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX was placed on my credit report as a charge off for the amount of XXXX on XX/XX/2021. I called XXXX XXXX and they stayed that this account was not placed for collection with any of the Credit Bureaus and that I need to give the Bureaus a call and talk to them about it.

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