vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from CHOICE RECOVERY INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I XXXX XXXX RECEIVED A PHONE CALL FROM SHELLPOINT MORTGAGE MANAGER XXXX XXXX ON XX/XX/XXXX at XXXXXXXX XXXX CENTRAL TIME. 
LETTING US THE BORROWERS WITH ACCOUNT NUMBER XXXX MR.XXXX XXXX XXXXXXXX AND XXXX XXXX KNOW THAT WE CAN NOT NEVER GET A LOAN MORTIFICATION AGAIN! 
DUE TO HURRICANE HARVEY AND A ELECTRICAL HOUSEFIRE WE SUFFERED IN XX/XX/XXXX AND XX/XX/XXXX. 
WHEN WE FIRST TRIED TO APPLIED FOR A MORTIFICATION BACK IN XX/XX/XXXX! 
THE INFORMATION ABOUT OUR HOME LOAN SHOULD HAVE BEEN EXPLAINED TO US WITH EVERY OPTION TO GET OUR PAYMENTS MADE FROM XX/XX/XXXX TO XX/XX/XXXX! 
SHELLPOINT MORTGAGE NEVER STATED OUR ACCOUNT WAS OR WOULD BE IN A NONE RETENTION PLAN FROM THE FIRST TIME WE INQUIRED ABOUT! MORTIFICATION BACK IN XX/XX/XXXX. 
AGAIN MONTHS PAST NEVER ANY LETTERS FROM SHELLPOINT MORTGAGE ABOUT HELPING US WITH A PAYMENT PLANS! 
WHILE THE MONTHLY PAYMENT WERE ONLY {$5600.00} TO CAUGHT UP OUR ACCOUNT! 
WE SHOULD HAD ALL OPTIONS! 
NOW WE ARE AT A {$25000.00} PAYMENT PLAN ONLY TO THE ACCOUNT ASAP TO KEEP OUR HOME FROM FORECLOSURE! 
THIS IS SHELLPOINT MORTGAGE ONLY PAYMENT PLAN TO HELP US! 
AFTER MAKING DISCRIMINATION AND PROFILING STATEMENTS AGAINST US AND OUR FAMILY MEMBERS THAT WE XXXX XXXX XXXX BECAUSE MR.XXXX IS XXXX XXXXFOR OVER 27 YEARS! 
SHELLPOINT MORTGAGE IS AND HAS VIOLATED OUR RIGHTS AS HOMEOWNERS AND NOW WANTS TO TAKE AWAY OUR HOME! 
WE NEED HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I have been working with this servicer for the past 5 years, they are very unorganized. I submitted at least 3 full package of RMA, to the point that I am getting really good at it. I know what they ask for, application, proof of income, tax returns and bank statements. This servicer would need verification for each issue at least 2-3 times, also it is always " all we need is ''. Then turn around and requested for more information after I provided what they asked for via fax. There is a foreclosure sale day set, I am accruing their $ 6000+ attorney fees, interest and appraisal fees. Recently, I received a letter of denial, their reason is " did not receive the required documents within the timeline specified '' The application started on the end of XX/XX/XXXX, the last conversation was XX/XX/XXXX. They wanted me to verified on the phone about some issues, then they wanted me break down on a deposit on a from one of the bank statements, I faxed in the next day on XX/XX/XXXX. That was the last time I heard from the servicer. After receiving such denial letter, I called to find out what is " real '' reason for the denial. They told me it was due to the bank statement provided were too old. I would have provided more recent bank statements if they told me on XX/XX/XXXX. Furthermore, the time has lapsed since the application started on XX/XX/XXXX. I have a facsimile report that demonstrate I was submitting document in XX/XX/XXXX and throughout XX/XX/XXXX. I feel it is very unjust and they have no merit for the denial.

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 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Keybridge has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Keybridge but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Keybridge to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/2017, I used my Chase VISA credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my VISA card of  {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have a loan with TD BANK USA/XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX TD BANK USA/XXXX XXXX   and with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: OH

Complaint narrative:
To whom this concern.

Back on XX/XX/2010 I found a house at XXXX XXXX XXXX XXXX XXXX  with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I could obtain the property if I could fix the home to suitable to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX  and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of XXXX as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to XXXX XXXX XXXX XXXX aka XXXX XXXX so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is XXXX XXXX XXXX aka XXXX XXXX they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the XXXX HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of XXXX, I have no rights to obtain anything. This is fraudulent I have contacted an attorney who told me to move and walk away. But how can me when its reported to my credit report as if I had a mortgage. I been in contact with XXXX XXXX  and they will not remove this from my report they just keep giving a explanation its close as transfer to another lender who has not reported and told me to walk away. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX  and Experian will not remove this remark. Please advised

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 2018-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was asked to deposit funds into the account at Wells Fargo XX/XX/18 from a fraud charge of a credit card through my company

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 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I know I am passed due on my payments, due to no employment I was not able to give a payment yet. XXXX XXXX calls me everyday about 20 times a day or even more to tell me about my payment which I already know about. Today XX/XX/2018 they called my father about my business, which I think it's not professional. First of all, I don't know how the company even got my father 's information when I never gave the company his details or anyone elses.Second, I think it's total harassment for them to be calling me so many times and now even calling my father and leaving him voicemails about my personal business. I will give a payment as soon as my first check arrives, like I told the company already I was unemployed for the past 6 months like they mentioned to me. I know what I have to take care of, I haven't done so because I had no money to do any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I HAVE SENT THIS COMPANY A DEBT VALIDATION LETTER ASKING THEM TO VALIDATE WITH A SIGNATURE OF MINE THAT PROVES I AM THE PERSON RESPONSIBLE FOR THIS DEBT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED BY SOMEONE ELSE FRAUDULENTLY. THEY HAVE NOT SENT ME ANYTHING THAT VALIDATES I AM INDEED THE PERSON RESPONSIBLE ALL THEY KEEP DOING IS FLAGGING THIS ACCOUNT TO ALL THE CREDIT BUREAUS AND THEY HAVE NOT PROVEN THAT I AM RESPONSIBLE. THE FTC SAYS THAT I HAVE THE RIGHT TO REQUEST VALIDATION NOT VERIFICATION OF THE INFORMATION THEY HAVE. I HAVE NOT RECEIVED ANYTHING. A BILL IS NOT VALIDATION AT ALL.THEY ARE RUINING MY CREDIT

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 2018-06-14 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: Home Point Financial Corporation
State: SC

Complaint narrative:
Home Point Financial mortgage company falsely reported late mortgage payments. Payment due on XX/XX/XXXX, My Bank records show that Home Point cashed my check on XX/XX/XXXX, then on XX/XX/XXXX reported to XXXX XXXX that my payment was more than 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently initiated an e-Check payment to my credit card company, XXXX. My bank rejected the transaction and charged me a {$38.00} NSF fee. My account balance had enough to cover the debit, though. I have attached a screenshot of my mobile banking history hereto. 

I am shopping for a new personal checking account, but I still need the {$38.00} fee they assessed to me back in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2013 I got a car loan from Wells Fargo. I was paying XXXX $ For a warranty that did not cover everything they told me it would cover on my truck. Every time I would take my truck to the dealership they would tell me that the warranty was only for electrical stuff and I would end up paying out of my pocket. The loan was 72 months and when I called Wells Fargo to stop the warrantie that wasnt covering anything for me they told me that I couldnt stop paying for it. They said that I have to pay for it. They couldnt give me an explanation about it. So I kept paying for it. I just want to get reimbursed. I need justice.

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 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I have attempted to call this company, along with disputing the debt through the credit reporting agencies. They are reporting this on my credit as a delinquent collection. But also sent me a letter stating that it wasn't a collection agency. I contact the apartment complex XXXX XXXX. I spoke with XXXX XXXX, she stated over the phone that I didn't owe them any money. I requested that she send me a copy of the bills that were sent to me. She then sent me an email with the ledger for my account. What this company is trying to collect for is fraudulent as I have not owed money since XX/XX/2015. I have attached the ledger sent from the apartment complex

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Received XXXX XXXX inflight offer as I was deplaning from a flight. Applied for card on XX/XX/XXXX : terms on application stated XXXX bonus miles after spending {$1000.00}. Paper application asked for " ID number ''. Called number on application and rep offered to complete the application by phone. Approved for card. There is nothing in the welcome package that even mentions bonus miles of any kind. Called the rep the day I received the card and was assured that bonus miles offer was valid.

Fullfilled terms to earn bonus miles, later received email that I was running out of time to take advantage of bonus. Called customer service and was told terms were XXXX bonus miles if I spend {$2000.00}. I was not advised in writing or verbally at time I applied for card over the phone that terms were different than what I had on my application. New terms are not noted on approval letter received with card or the terms sheet. Customer service had me send a copy of the application by email to XXXX on XX/XX/XXXX. Letter dated XX/XX/XXXX " unable to complete request '' " call number on back of card ''. Called rep, she didn't know anything. Took my info, promised call back. No call. Follow up email to XXXX  on XX/XX/XXXX. No response. XX/XX/XXXX called customer service number : told case was closed out. I received no notice by phone, email or postal mail that they had closed my claim. Asked for manager. Manager says can not help, spend more money on card to meet new terms which I still do not have in writing. Now, for the first time I'm told I should have filled out the application on the plane before I left! Manager told me they would mail the terms within 30 days ( at which point the " updated terms '' would have expired, ie no bonus miles ). He would also open investigation to find out why I was not informed of change of terms. I also requested, since they record their calls, that I hear the original call when I applied. If I misunderstood the terms by phone fine I will give up and leave them alone. Otherwise I feel I was misled and as a customer service show of good faith they should credit the bonus miles per the terms on the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greystone Alliance LLC
State: AZ

Complaint narrative:
I have attempted to call this company, along with disputing the debt through the credit reporting agencies. They are reporting this on my credit as a delinquent collection. But also sent me a letter stating that it wasn't a collection agency. I contact the apartment complex XXXX XXXX. I spoke with XXXX XXXX, she stated over the phone that I didn't owe them any money. I requested that she send me a copy of the bills that were sent to me. She then sent me an email with the ledger for my account. What this company is trying to collect for is fraudulent as I have not owed money since XX/XX/2015. I have attached the ledger sent from the apartment complex

Company response to consumer: Untimely response
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
I sent two certified letters to this collection agency. I sent an initial request after receiving a phone call that violated FDCPA by disclosing a debt to a third party. I requested the validation of the debt on XX/XX/XXXX as this account has been disputed for identity theft. I sent a second certified letter to this collection agency XX/XX/XXXX disputing the validity of the debt as the documentation received as validation did not include any evidence that this debt is mine. I also further filed a report with the FCC in regards to the identity theft and abusive and illegal collection practices this agency has taken which has caused me great financial harm. I am now filing a complaint with the CFPB, FDCPA, FCRA, and the XXXX   in regards to this claim. I have done my part as a consumer to notify this agency that this debt is invalid and I am requesting immediate rectification or I will seek damages via an attorney.

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