vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CCS Collections ( Credit Collection Services ) are debt collectors attempting to collect a debt on behalf of medical services I have not received from them. I am not a party to their agreement with XXXX and I have not agreed to pay anything to CCS Collections ( Credit Collection Services ). 
I have attempted to mail CCS Collections ( Credit Collection Services ) several letters to multiple addresses to allow CCS Collections ( Credit Collection Services ) to validate their debt and the mail was returned to sender ( attachment provided ). 
I have no idea how CCS Collections ( Credit Collection Services ) received my private medical information. CCS Collections ( Credit Collection Services ) have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections ( Credit Collection Services ) continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I have proof of a previous dispute from CCS Collections ( Credit Collection Services ) that was removed. 
Please be advised that the address provided by CCS Collections ( Credit Collection Services ) on my XXXX credit report XXXX XXXX XXXX XXXX, MA XXXX is an incorrect address. 
The address of XXXX XXXX XXXX XXXX, MA XXXX provided by CCS Collections ( Credit Collection Services ) on their website is also not a working address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax.Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: GA

Complaint narrative:
I just noticed that there have been several inquiries that have been added by someone that has stolen information. THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: TX

Complaint narrative:
I am allowed under the HIPAA law to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX of XXXX for them to release my medical information to a third party. I understand under that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization. Please note that withholding the information you received from any medical provider is an attempt to be HIPAA compliant will be a violations of the FDCPA because you will be deceiving me after my written request.I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged {$40.00} for making my credit card payment one day late. It was due on XX/XX/2021 and I paid it electronically on XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 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:
I came across a bankruptcy on my credit report that was not fully verified. I disputed this information to Experian and they claimed that it was verified. I asked for a description of procedures along with the source who provided them the information. They refused to provide the source other than stating that the courts verified the Information. I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agency. I also provided to the courts an Affidavit of facts because I didn't authorize the release of any personal information. I then went on Experian 's website and came across XXXX is the vendor for public records in which Experian records. Problem is, if Experian did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. Im trying to understand why the bankruptcy is still on my report. I want to make Experian aware that they must fully understand by law that they must fully identify that anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. the FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a PACER report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all XXXX dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that Experian should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.

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 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have spoken to a couple of agents at Capital1 regarding 2 " cash advance fees '' of {$10.00} each. However, I have not cashed any money from my account, nor used any service authorized to access my cash advance limit. and I have an available credit limit so no need for any company to use a cash advance limit. They were unable to explain where those fees came from, did not offer to credit the fees back, and were not willing at all to try to find a good explanation. XXXX from XXXX center was not willing to work on the issue and hang up the call when I asked her several questions that she was not able to answer as she did not have done enough research on the issue. This card is not having unauthorized transactions from my side but is just being charged those fees directly from the bank without any reason. 
I have not done any cash advance transactions at all. XXXX from XXXX, FL center as well does not seem to help and was very rude in trying to work this issue. XXXX, XXXX, FL. XXXX, a fraud supervisor, has been asked to open a fraud ticket, and she also did not open XXXX, and have not suspended the wrong fees for investigation. I've been very clear to all of them that there were no cash advance transactions ( they then stated an app named XXXX was used for this purpose, and it was used to refill a pre-paid cell phone of mine. Never using cash advance limits but regular limiits, and any fees related to credit avance are unauthorized and fraudulent. Even the {$10.00} ( total {$20.00} ) charged by Capital 1 are fraudulent, illegal, a scam, and I hereby request a refund. XXXX states they do not charge any fees and do not use credit card cash advance limits, but regular credit card limit available specially to refill pre-paid phone services. 
This is not the 1st time I have problems with C1, but this time, this is too much. I demand redress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 {$9600.00} After so much wait, my California XXXX XXXX XXXX got delivered but I can't get in. 
EACH TIME I TRIED TO ACTIVATE IT KEEPS SAYING WRONG SECURITY INFORMATION. 
I was at the Bank Of America with two forms of ID 's and got verified, they told me it will be resolved in a few minute but till now I can't access into my card. 
I have bills pending.

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 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I received a cashiers check in the mail for a company they had applied for to work at home and when I went to cash the cashiers check it was cashed at Wells Fargo and when I went to deposit cash in my account for days later my account was At a freeze. It showed available balance XXXX or five days later XXXX put it in as a deposit a check of the amount of XXXX. When I went to the bank to find out what was going on because I had paid bills with the money that was in the account they put a stop payment to all of those and told me I was a fraud

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 2021-11-02 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: GA

Complaint narrative:
I just noticed that there have been several inquiries that have been added by someone that has stolen information. THIS IS FRAUD.

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 2021-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a text from what I thought was chase bank. I had fraud on my account. Not two minutes later I got a phone call from who I thought was chase bank and they were trying to block funds from leaving my account. I proceeded to do what this person said because I was afraid that I would lose money. None of it made sense. At the end after ZELLEING {$3800.00} to this person. I was distraught. I had a bad feeling and I was frustrated. They had even had my email and was confirming they were talking to me through email. I called XXXX bank the next day and they informed me I had been scammed. I called again to file a claim. I tried to contwct zelle. I put alerts on all my accounts and on my credit line. On XX/XX/XXXX I contacted chase again and was unable to finish the call. XXXX XX/XX/XXXX I sat on hold for 2 hours only for chase to hang up on me because the credit department has hours. I called back on XX/XX/XXXX and talked to someone who I could barely understand because of their accent and escalated the call to a supervisor. The supervisor XXXX said they tried to recover the funds but were unsuccessful. She was also very rude and very unhelpful. They also said I was unable to claim again. I tried for a higher superviser TWICE but no one was available. I will be taking legal action. XXXX bank and zelle are responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Company named affirm has 2 accounts opened in XXXX of XXXX. Account # ( XXXX ) & account # ( XXXX ). I never opeend these accounts or authorized ahyone to do so. Ive reported it with them as fraud several times and even did a affidavit and their response to me was that it remains on my credit and their information is accurate. They do not provide me or the credit bureaus with any proof that the debt was mine. Ive asked for proof of ny signatures as well as ny identification card or drivers license or anything proving this devt was mine. They do not have any if that information they said. My identity was stolen in XXXX and used several times fraudulently and i never had any problems with other companys disputes once i prove that it was not me who opened it. This is the only company who refuses to take responsibility that they opened an account to a fraudulent buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Paid off Mortgage Fay Servicing Mortgage XXXX XX/XX/2021 and they have not returned my escrow. Tried calling with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
The money taken out of my checking account ending in XXXX on XXXX XXXX is fraudulent. This check XXXX was originally made for XXXX dollars to XXXX XXXX XXXX  for a credit card bill. This was mailed from XXXX XXXX XXXXn XXXX XXXX, than sometime after that, the check was stolen, whitewashed and deposited by mobile device on XX/XX/2021 for the amount of {$4500.00}, resulting in the money being taken out of my account on XXXX XXXX, the bank never notified me, I found out when I was overdrawn through email. To this day SunTrust has never initiated a conversation with me or called me about this matter unless I do the initiation. This should have never been taken out, not my handwriting, talked to Suntrust, filed a case, and also filed a police report with local and federal, since it was deposited over a mobile device. SunTrust ( Truist ) has lied to me said I would have my money back in 15 days, I still do not have it back, and they have cost me a move to XXXX XXXX for a job, loss of employment, destroying my credit, can not pay bills and have late charges. They also took my XXXX Social Security check when they said they would deposit the check into my new account, because I did not have time to change the account with Social Security. They lied again, it was setup, went to the bank, the representative called fraud department and they said they did not know how to transfer my check into new account, right. I am livid, they have lied, took my livelihood and have devastated me completely, I am going to be made Whole again, not only do I want my money back plus fees, they are going to pay for losing my job in XXXX XXXX, my move that did not happen and taking my Social Security check, not to mention destroying my credit and all the late fee, I am going to sue them for {$5000.00}. This has been emotionally, mentally and physically devastating to me and with my history I have sued before but this time I will.

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 2021-11-02 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: PNC Bank N.A.
State: AZ

Complaint narrative:
I paid off the 0 % balance transfer promotion on XX/XX/XXXX. I attempted to set up auto pay in my online banking account to pay balance due instead of the minim payment. I was unable to utilize the auto pay option, as the button would not activate. I continued to manually make the minim payment. Through written correspondence they finally set up a debit deduction each month in XXXX of XXXX. However, in the mean time I did overlook making a manual payment over XXXX on XX/XX/XXXX. With out any notification until I was 36 days late, they charged me a {$27.00} late fee, which they have reversed and reimbursed me the {$27.00}. 
I have had several conversations requesting the 30 Day Late Payment be removed from my Credit Report as my Credit Score dropped 50 points, and will stay on my Credit Report seven years! 
When I finally did reach a supervisor who had the authority to remove the Late Payment informed me that since BBVA has merged with PNC, they can not do anything about correcting my issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I enter a contract with XXXX XXXX XXXX XXXX that when they cash my check for payment that they will remove all derogatory items from my credit report from all the credit bureaus that they report to. As of XX/XX/2021, they are still reporting derogatory items on my report. I sent them a certified letter on XX/XX/2021 of breach of contract and they have not responded to my request to remove these negative items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I contacted Bank of America and spoke to XXXX in XXXX & XXXX cards and asked her to cancel XXXX XXXX credit card. She told me she did this. 
On XX/XX/XXXX, I saw there were charges on XXXX card, and I contacted Bank of America immediately. After speaking to many representatives, I received no resolution, and filed a complaint with the XXXX 
Then, when I received my statement, I learned that there were {$1500.00} in fraudulent charges. 
To date, this issue still has not been resolved. It is now 11 months, and there still isnt a resolution for an error a Bank of America employee made. 
I am requesting the {$1500.00} plus {$4300.00} interest charges be credited back to my account. The total amount is {$1800.00}

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 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: NH

Complaint narrative:
This issue is in regards to effective loan servicing for a mortgage with Aimloan.com, the mortgage holder. I changed insurance carriers from XXXX to XXXX on the property in question, which is financed through Aimloan.com Inc ( American Internet Mortgage Inc. ). On the XXXX of XX/XX/2021, my insurance company, XXXX issued a refund for the cancelled policy and mailed it to Aimloan.com at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, over 60 days ago from today 's date of XXXX XX/XX/2021. Aimloan.com has updated their information on the new insurance policy/carrier but has not paid them because they have not yet cashed the check. I verified with XXXX that the refund was sent on XXXX XX/XX/2021 and still remains uncashed. It appears that the business operations of Aimloan.com are so slow that it may result in insurance for my property being cancelled because Aimloan.com has failed to pay the insurance carrier the policy premium per the escrow clause of the mortgage agreement.

Company response to consumer: Closed with explanation