vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 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: PA

Complaint narrative:
I have tried for over a year to resolve a debt that is not mine. 
XXXX XXXX associates of XXXX XXXX, XXXX : XXXX XXXX in XXXX, New Jersey has been dunning me through " ARS ", Account Resolution Services, XXXX. XXXX XXXX XXXX, FL XXXX. 

This debt is from a fall I had on the unshoveled, icy sidewalk in front of XXXX. ( XXXX XXXX  XXXX ), in XXXX, New Jersey, where I was in lockdown, as a ward of the New Jersey XXXX XXXX XXXX and indigent. 

I refused medical attention and then they strongarmed me to XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX. 

They took one x-ray and that's it. I was back in custody in less than an hour. No medication was given or prescribed. 

Their invoice is for {$650.00}. 

XXXX, as an entity attached to the XXXX XXXX XXXX is totally responsible for the debt. 
Can you please have this cleared up and removed from my credit report ; as I am trying to buy a house and this is the only mis-directed Billing negative on my credit report. 

I've tried and tried to contact both ARS and XXXX XXXX ; with never a response ; except the dunning continues. 

Please try to expedite this, As it is hampering my forward progress from their mis-directed Billings. 

Thank you, XXXX XXXX XXXX ( text only, please, as I am deaf. 
Or my email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: States Recovery Systems, Inc.
State: CA

Complaint narrative:
Hello I have been dealing with a serious issue with the States Recovery Systems Company in XXXX XXXX, CA. Since XX/XX/XXXX, I noticed on my credit report that the company States Recovery Systems had shown up as a debt collector " claiming '' I owed them a debt. In XXXX of XXXX, I reached out to them via certified mail trying to dispute the matter by requesting the original instrument of indebtedness they that claim I owe as well as a contractual agreement between myself and SRS. I let them know that if they couldn't provide me with anything within 30 days then they have accepted the " debt ' they claimed I owed them. The company have failed to respond back to me but still is reporting the erroneous item on my report. They have violated 15 usc 1692 codes f through g.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: NY

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
JP Morgan Chase Mortgage obtained my banking information from my current mortgage servicer without my permission and used the information to withdrawal funds from my account without my express permission. To be clear, Chase Mortgage took funds WITHOUT my permission or knowledge. 

At present the funds have not been returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Edmonds & Logue PC
State: CO

Complaint narrative:
Edmonds and logue pc removed all funds out of bank account with any notification of debt owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 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: Mountain Run Solutions, LLC
State: TN

Complaint narrative:
MOUNTAIN RUN SOLUTIONS was allowed to add a false debt collection on my XXXX report. They also added it to XXXX. It was removed from my XXXX  report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to MOUNTAIN Run Solutions however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
The manner in which Bank of the west and XXXX failed to manage my checking account is without excuse. An absolute, careless, reckless, performance from a group of people whom have all together become worthless. 

They dont even know how to provide a simple debit/credit statement as you will see in their transcript. A grocery store can do a better job on the purchase receipt and these people manipulate their books with unnecessary verbiage. 

First, Bank of the West ask me to close my account and open a new one, and then after I closed the account, they refused to open a new account. 

Now that my account is closed with Bank of the West, I can not access my online account. 
Bank of the West sent me a check with my closing balance and then I received a collection letter from a company that I have never heard of. They claim to be a Bank of the West third-party vendor, unfortunately for them, I have no knowledge of their relationship. 

As you will read in our email correspondence, there is no excuse for their blatant disregard for each other and their business relationship. They both have a responsibility to honor their contractual agreement and now they want to place the blame and responsibility on me. 

If they can not manage their own relationship that does not make it my responsibility to manage it for them. Im certain that they have a written resolution and neither of them wants to flip the bill for each others errors. 

Therefor XXXX has decided to send me to collection, and I do not even know whom they are.

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 2021-04-10 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
According to the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2021-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have been approved for a SBA Loan and this has been since XX/XX/2020. The process to receive the funds is extremely slow but I have all the correct documentation needed for the Small Business Administration to release the funds. I was having the loan funds deposited into my online XXXX account but the SBA isn't recognizing that institution so they told me that a Chase bank account could be used to receive the funds. I open up the Chase account and now the SBA wants the bank to provide a letter with my account number. routing number and social security number used to open my account with Chase bank. For some odd reason that seems to be a hint of discrimination. Chase bank is not willing to provide me a letter with this information so that I can scan it, upload it and send it to my loan specialist for SBA who is named : XXXX XXXX Attorney Advisor Office of XXXX XXXX  U.S. Small Business Administration ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
I had car that the dealer change the oil. 3 days later the motor blew up. We replaced the motor same place, 1 day later motor blew again. We gave the car back and tried to work out something over the phone. They put we owe XXXX on a 2009 car, the people that took over added more, now XXXX something is what they have. I am XXXX and a single mom of XXXX. But i am trying really hard to get my family a house. So i called the number on my report, that told me they will work with me but i had to wire them the money that day XXXX. Me sad because i been working hard to save this money for down payment. I went to the bank to wire the money, who refused to do it saying it was a scam and nowhere besides scam asked for it to me wired only and right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
I requested validation of the alleged debts and received my confidential medical information, without a signed release, which is a clear violation of my rights under HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: TX

Complaint narrative:
Someone fraudulently hacked my my checking account by stealing my debit card number and using XXXX pay to steal {$500.00} on XX/XX/2021. I immediately contacted my bank and let them know it was fraud even though it was still processing. They cancelled my card and sent me a new one. 10 days later i receive a letter from Bank of America stating my claim is closed and they are not refunding my money. I have NEVER used XXXX  pay before in my life. ALSO bank of america denied another transaction FOR THE SAME THING tagging it as fraud and then let this one go through. I want my money back.

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 monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We contacted PHH on multiple occassions to obtain a payoff. They finally after multiple times provided a payoff for XXXX & XXXX. Which delayed our closing until XXXX. However, we had to pay the whole {$2700.00} in interest for 31 days and they state that according to fha rules they must collect the whole month in which i know that is the case but during a payoff why should they be able to keep those funds when it when we closed on XXXX? I know there were several law suits in the past over this. I was already very disappointed in them because for over a years time we sent in for requests and forms to stop charging pmi on our loan. They continue too state that we had to submit a request annd send in a form. We did this multiple times which cost us over {$200.00} mo. They blamed some on covid but i dont believe that every time my form was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are World finance and Security finance to find out more information about these false credit lines and neither company can find me in their system. They are not able to find me with my social security number, name, date of birth or address. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company hadn't received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I have a medical debt that was turned over to Professional Credit. I made payments arrangements with them, I was never informed that they would continue to charge interest. I have made these arrangements and have not paid late according to our arrangement, but they continue to report to the credit bureaus that Im late. I have upheld my agreement. When I complained that they arent upholding their side, they told me I have to call them. When you call, you are put on hold for hour ( s ) and then hung up on before you can even begin to tell them what is happening. Ive never received anything by mail like I asked. I have no issue paying the debt as agreed, I just want them to uphold their end as agreed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased my vehicle in the month of XXXX of XXXX, the car was repossessed a year later in XXXX due to a very high payment of {$490.00} that was impossible to keep up with. Due to the loss of the car, I lost my job and was unable to provide for my family and my children. 

A couple of days ago, I came across an article on the " XXXX XXXX website '' stating that Santander Consumers USA INC. was involved in a nationwide investigation throughout 34 states ( Including Georgia ) and found evidence of sophisticated credit-score tracking methods designed to prey on those with the highest risk of loan default. Santander Consumer USA INC.was later found guilty in the class-action lawsuit for deception and predatory lending practices. In the settlement, Santander had agreed to relieve all defaulted loans and to help repair the credit of the individuals that were affected by Santander 's deceptive actions from the timeline of XX/XX/XXXX through XX/XX/XXXX ( In which my account falls within the timeframe ). 

XXXX reported the date of last payment was XX/XX/XXXX, but XXXX and XXXX are reporting a different date of XX/XX/XXXX which is a 3 years and 9 days difference. 

Lastly, XXXX had another inaccurate information of the date last active that shows a date of XX/XX/XXXX, while XXXX reports:XXXX and XXXX reports:XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: FL

Complaint narrative:
In XXXX of XXXX, I was checking my credit when I realized that my car payment had not been reporting since XX/XX/XXXX. At that time I didn't realize that part of the Cares Act prohibited creditors from reporting any payments. So I called my finance company and told them it was okay to go ahead and report my payments since they were all on time. At that time, every payment since XX/XX/XXXX ( when I purchased the car ) was reported as " On Time '' and Paying as Agreed. The next month XXXX XX/XX/XXXX ) I checked my credit report again to find that my XX/XX/XXXX and XX/XX/XXXX were suddenly reported to all three bureaus as " 30 days late '' and my credit scores dropped 30 points. I was VERY surprised because these payments had been reported ON TIME for 6 and 9 months and then suddenly reported " 30 days late '' I immediately called my finance company who stated they could not fix the error. I asked for my account manager but was told I did not have one. I then consulted with a credit specialist who told me I should write a letter to each of the bureaus explaining the error and also send copies of each credit report showing where it had been reported on time for many months, and then also my bank statements showing the on time payments coming from my bank account. I promptly did so XX/XX/XXXX. I sent each bureau a letter explaining the mistake, a copy of my credit report before the error, a copy of my credit report after the mistake, and a copy of my bank statement for each month showing the payment drafted from my account before or on my respected due date. XXXX XXXX and XXXX promptly removed the late payment and restored me to 100 % payment history, but Experian did not. So in XXXX of XXXX, I sent them the same information again disputing the late payments. They responded saying the payments had been verified as late and they would remain. How can payments that were clearly never late be verified? So in XXXX of XXXX I sent Again the same information and a letter demanding this error be fixed on my Experian report. Unfortunately as of today, Experian still refuses to remove the late payments even with proof they are reporting incorrect 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 2021-04-10 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: CA

Complaint narrative:
Hi please help, I sent several letters to the bureaus and haven't received a response yet. I'll got my credit report and seen incorrectly and unknown items on my credit report. It's been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: NY

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation