vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STATE FARM BANK, FSB
State: PA

Complaint narrative:
XX/XX/2021 I received a letter from XXXX, XXXX saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from State Farm Bank , F.S.B . I Wrote XXXX a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. XXXX told me to contact XXXX XXXX XXXX for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either XXXX of these companys when I am asking for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
In XXXX I cancelled a XXXX account with authorization from a XXXX employee. The reason for cancelling the plan after several years of service was because there was no service in the area I lived in even though I paid for service for XXXX  years at that location. XXXX insisted I pay a disconnect fee after I already canceled the service even though it was authorized by their employee who agreed I would not have to pay a fee. I spoke with an attorney who helped me communicate with XXXX and collection agencies about the conflict, disputing the charge. Since at least XXXX XXXX  has continued to harass me for some partial payment off and on.

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 2021-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I used the bank of America 's ATM machine at work ( which is at XXXX  ), to withdraw XXXX dollars, I have been doing the same thing for a couple of months since the bank branches are always long wait during the pandemic, only this time no money came out of that machine. so I immediately called the number it posted and filed a claim. I thought of nothing since it's a bank 's machine malfunction problem that should be easily solved. After the claim was filed, a temporary credit was issued the next day. however, after XXXX weeks I received a denial notice stated that money was dispensed to me and If I disagree. I had to use an old fashion fax machine to apparel, which I did XXXX, all are denied. and the bank refused to show or state that they actually have a video showing i did receive the money

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 2021-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: MD

Complaint narrative:
I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with XXXX Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my XXXX credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXXXXXX about XXXX miles away from my current residence. I did own a home XXXX miles from that area until XXXX, but it seemed coincidence. 
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with XXXX  that indicated there was a credit inquiry by XXXX XXXX on XX/XX/XXXX. It was about the time I made a purchase from XXXX for tires and wheels for $ XXXX I actually took a XXXX payment offer through XXXX  that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America sent me a 1099-C for a debt cancellation in 2020 for a debt I do not recognize.

I sent them a registered letter saying I did not recognize the debt and to my knowledge had not had any prior communication regarding this debt. I asked them to provide written verification of this purported debt, an itemization and dates of said debt, and the name and address of the original creditor. They did not comply with my written request. They only sent a letter stating, " After careful research we've determined that the TIN or SSN and the amount reported are correct ... '' They did not supply any of the verifications of the debt, dates of the debt, the name or names, and address of the original creditor.

I feel Bank of America is in violation of the Fair Debt Collection Practices Act because they have not complied with the above requested information.

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 2021-04-04 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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XX/XX/XXXX paid statement and notified NMAC ( Nissan Motor Acceptance Corp ) of my change of address. I had contracted for a PO Box while my new house was being built. In all of the mayhem of moving and setting up a temporary home, I didn't realize until 11/30/2020 that I had not received billing from XXXX. 
I called and spoke with XXXX on XX/XX/XXXX for 11 min. 11 secs. XXXX revealed to me the the address was inputted incorrectly. Statements were being sent to me at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Not the address I listed - XXXX XXXX XXXX XXXX XXXX TX XXXX. I immediately scheduled a " pay by phone '' pay off of the entire note. 
I was told messages had been left on my business phone. A blatant lie. I, like a lot of people was working from home. All phone messages are immediately emailed to me for review and responses. I checked my phone at the office and there was no record of NMAC contacting me. I suggested to XXXX that this should not impact my credit because of a clerical mistake at their XXXX payment processing center. 
I have formally requested a review of this through the NMAC Credit Bureau Management protocol. It was after my second letter that I received a response that all reporting was accurate. To date, I have not received a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I added XXXX Corporation to my XXXX XXXX XXXX starting XX/XX/XXXX GC SERVICES. 

I've made consistent payments since this date until XX/XX/XXXX because I've been financially impacted by COVID. 

I called the debt collection, which XXXX has sold off to different agencies in the past few years. I offered to settle at 20 % in XX/XX/XXXX with my unemployment money coming in the next week or two. They advised they would not settle at this amount. 

I have not received updated letters about the debt collections since then. Instead, the collector has reported multiple times in a single month to my credit report with all 3 bureaus. 

This account is not new and they are reporting it is as of XX/XX/XXXX. I've been paying this debt since XX/XX/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 2021-04-04 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: DE

Complaint narrative:
Account not mines. Submitted FTC report. 

1 Original creditor : {$90.00} Account number XXXX 2. Original creditor : {$650.00} Account number XXXX Remove Inquiries 3.XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX 6.XXXXXXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage bought my loan from the previous loan servicing company in XX/XX/XXXX. Since then, Freedom mortgage has been collecting payments from me that includes costs for home insurance and property taxes towards my escrow account. On XX/XX/XXXX Freedom mortgage debited {$1000.00} to hazard insurance but my home insurance company has no receipt of payment. Ive had to pay out of pocket to my home insurance company- XXXX- to ensure that my home insurance is paid. I received no notice of any change of home insurance and no correspondence from any other home insurance company. Freedom mortgage essentially stole that money from me and did not comply with paying my home insurance company. They also did the same thing with funds in my escrow account for my property taxes. They debited my account {$6700.00} on XX/XX/XXXX supposedly for my tax property bill. The county of Alameda has no record of receiving payment from Freedom Mortgage. The taxes are due on XX/XX/XXXX and if they are delinquent I will incur hefty percentage fines. The fact that Freedom Mortgage took those funds from my escrow account and have not paid either of those bills has put me into a financial hardship. They have stolen from me and made me have to pay for bills that were supposed to be paid from my escrow account.

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 2021-04-04 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: AL

Complaint narrative:
In 2020 I wanted to clean up my credit file and started to do so. I ordered XXXX credit monitoring and XXXX and got most everything cleared up. I decided to get EQUIFAX and XXXX credit monitoring as well so I could freeze all three because there were some fraudulent things I couldn't remove until I stopped the activity. I had no problems with the other major credit monitoring/reporting agencies when I went back to the free accounts and have told MANY people how to clear up their own credit that way but Equifax LOWERS YOUR XXXX when you go back to free. When I went to free my score went from XXXX to XXXX overnight. I got the credit monitoring again this month to dispute something ( It goes quicker if you pay for it. It takes months and months for a dispute if you don't pay for the monitoring ) and Equifax overcharged me for the monitoring and I made them pay it back yesterday and this morning my credit score is 63 points lower. I didn't do anything else since yesterday. They are abusing the power they over people. I think it should be given to another company that has better morals. Fining them doesn't seem to be working. I have screenshots of this bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc
State: GA

Complaint narrative:
After reviewing a copy of my credit report I noticed that Collection Bureau of Fort Walton Beach are currently reporting a debt on my credit report. Under the Fair Debt Collection Practices Act, I have the right to request validation of this alleged debt. I am requesting documentation containing a list of all charges, dates of services, including procedures given and all the fees associated.

As you are aware, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties.

I never gave permission to ( Medical Company or Hospital ) to release my medical information to this company. I am fully aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

I am requesting the following : - List of fees including any collection costs and medical charges - Copy of my signature with the provider of service to release my medical information to you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My prior VA Loan servicer, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, sold my mortgage to Freedom Mortgage in XX/XX/2021. Prior to the sale of my loan, I had made one regular mortgage payment and two additional principal-only payments to XXXX. Freedom Mortgage refuses to update the transaction history to apply the payments I made to my prior servicer to my mortgage account. Additionally, I made a mortgage payment to Freedom Mortgage on XXXX XX/XX/2021 and an additional principal payment to Freedom Mortgage on XXXX XX/XX/2021, which Freedom Mortgage originally applied to my loan balance but since reversed and now refuses to apply to my loan balance. Instead, Freedom Mortgage has reallocated some of my prior principal-only payments to future mortgage payments without my authorization. I have called Freedom Mortgage more than twelve times dating back to XXXX XX/XX/2021, spoken to numerous supervisors and agents, and my loan detail remains incorrect. The last conversation I had with a Freedom Mortgage representative ( XXXX XXXX XXXX on XXXX XXXX 2021 involved Mr. XXXX telling me that I should not worry about the accuracy of the payment history as long as my credit score is not being negatively impacted by all of Freedom Mortgage 's errors relating to my account. I wholeheartedly disagree and know that I should not be paying interest on principal that I paid off dating back to XX/XX/2021.

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 2021-04-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. To this day its has been over 30 days later I have received a response yet. It has been 47 days to be exact. I feel like im being taken advantage of and being ignored of my disputes. This doesn't make any sense. I don't understand how this able to happen. this is very unfair. Please make it make sense to me. Just plain stupid.

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 2021-04-04 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I opened a Barclaycard Ring Mastercard in XX/XX/XXXX and transferred a balance from another card to it. 

I then paid off the card over a period of just over a year until the balance was paid off in XXXX of XXXX. 

I never made any purchases on the card and did not transfer the balance to another card. All I did was make a single balance transfer to the card in XXXX of XXXX and then pay the balance off over the period of XX/XX/XXXX to XX/XX/XXXX. 

However, I still received a fradulent charge on the account at a website called XXXX in the amount of {$19.00} on XX/XX/XXXX and then another for {$4.00} on XX/XX/XXXX. I did not make either of these charges, and since I made no purchases on this card nor did I transfer the balance to any other cards, the only other party that had this credit card number was Barclays. As such, it would appear that Barclays themselves had a data breach of some type that allowed the fraud on my card.

I discovered the issue in XXXX of this year and Barclays did reverse the charge, but I do find it concerning that they would have a security lapse that would allow my credit card to be exposed to whomever committed the fraud. And if Barclays leaked my card number to malicious parties, how many other card numbers were exposed? It seems unlikely that only my account and card number was involved.

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 2021-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Account not mines, submitted FTC report.

1. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$650.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Inquiry 2.XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XXXX at the start of COVID-19 my mortgage company allowed me to go into deferring my payments because of COVID-19 this XXXX my wife resumed working we were able to start making our mortgage payments again. we filled out paperwork to find out what would happen to our Missed mortgage payments they said there was nothing they could do and we would either have to pay up all the missed mortgage payments or they were going to foreclosure On our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
on XX/XX/XXXX, I called Security Credit Services to find out about a debt in my name in the amount of {$2100.00}. After not being able to find me using my social security number they used the lookup by name. I was then told that the last four of the soc on file was incorrect which proved my point that the debt was not mine. I was then transferred to another company called XXXX XXXX and they also could not find me under my correct soc but could find me under the incorrect one. They said they would initiate a fraud investigation which I have yet to hear anything about. I also filed a dispute with XXXX and XXXX and found out from equifax that the debt was validated but they could not give me the information that was used to validate the debt. This is not my debt and was a online purchase done during a pandemic that can't be validated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
this company is reporting to two credit bureaus ( XXXX and XXXX  ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain 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 2021-04-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
Rent recovery calls me a minimum of four to five times per day sometimes ( before XXXX XXXX and after XXXX XXXX ) rent recovery also made treats against me ( legal action ) and used abusive language when leaving vm and when speaking to me on the phone. I have explained several times I am not responsible for this debit. The creditor XXXX XXXX XXXX XXXX XXXX didnt subtract my pet deposit or regular deposit, they also charged for repairs that I have already proved where to be replaced when I moved in ... example carpet was worn and they agreed to replace carpet, they then switched management companies and said it wasnt in the budget so the carpet wasnt ever replaced before I moved in. they then tried to charge me for new carpet to be replaced after the move out date. This was all verified with XXXX who works at XXXX XXXX XXXX XXXX XXXX. I also only signed a 1 year lease, I never renewed lease after the first year. I have explained this several times however rent recovery continued to call four and five times a day and continued to make threats against me as well as release personal information about me To others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Phony email : Great Scores Your New XX/XX/2021 Scores Are In Right Here Your XX/XX/2021 Scores has been updated To see your complete XX/XX/2021 from XXXX, XXXX  and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Updated Scores For Free You received this email because you subscribed to our list. You can unsubscribe at any time. 

XXXX XXXX XXXX # XXXX XXXX FL XXXX United States of America

Company response to consumer: Closed with explanation