vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Advanced Collection Bureau, specficially its representative XXXX XXXX at XXXX, is attempting to collect a debt which they claim I owe. The alleged creditor is XXXX XXXX XXXX 

First : Rather than contacting me directly, Mr. XXXX contacted my former employer ( XXXX XXXX XXXX ) and my " in case of emergency contact '', XXXX XXXX. He has left numerous messages on their voice mails about me. 

Ms. XXXX told me about this on XX/XX/XXXX and I immediately called Mr. XXXX. When asked why he's calling other people, he laughed. Then he went into a tirade telling me I'm obligated to pay. I hung up on him. 

On XX/XX/XXXX, he phoned the XXXX  residence. At no time after that XX/XX/XXXX call has he phoned me on my cell. I've tried calling him and there is no answer. 
Apparently, he works by attempting to embarass/humiliate people. I will not tolerate this and have no hesitancy in filing a complaint in Federal Court re these tactics. 

Second : I've never received a debt validation letter from Advanced Collection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Hello, I got a personal loan from XXXX on XX/XX/2020. The loan amount was {$30000.00}. However, they did not credit me {$6000.00} into my account. They asked me to credit this money to one of my existing account. The Goldman Sachs account was over there and I thought it was related to my car loan account XXXX XXXX XXXX XXXX. But it was not. I gave my car loan account number and the money did not go there. I contacted the XXXX and Goldman Sachs couple of times with phone and e-mail. They promised me but they did not solve my problem. I am still paying XXXX {$1000.00} dollars every month with automatic payments. However, I could not get my {$6000.00} dollars from either company. Could you please help me with this issue? 

Recently, I submitted a complaint against XXXXXXXX XXXX through this website. They responded my complaint but they did not solve my problem. Instead, they wanted me to contact Markus by Goldman Sachs directly to refund my money into my account. Apparently, my money was cashed out with another account ( which is not mine ) at Markus by Goldman Sachs. I am attaching XXXX 's response to this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
No action taken due to service used to transfer the money ( XXXX ) Bank of America XX/XX/2021 - {$2000.00} XX/XX/2021 - {$1500.00} XX/XX/2021 - {$350.00} this was a rental scam - I have proof if needed

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract.

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You

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 2021-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
Applied for a {$200.00} loan online. I have done this before with other companies with no problem. I was under the impression it would take about 6 months with automatic monthly payments of {$53.00}. The loan started in XXXX so when I saw the sixth payment come out of my bank I went online to check the status of the loan. I was shocked and horrified when I say that payments were scheduled until XXXX. The total amount I was to pay back is over {$1500.00} for a {$200.00} loan? They are charging over 64 % interest. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft 1. XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine 3 Identity Theft VNB- XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: ERC
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -XXXX  # XXXX XXXX # XXXX -ENHANCED RECOVERY COMPAN # XXXX -XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -ARS # XXXX -ARS # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was notified by XXXX XXXX on XX/XX/2021 that my credit score changed.When i checked, i found it had dropped 36 points from Transunion for no apparent reason and could find nothing indicating why and there were no changes in payments, credit use or derogatory remarks from anywhere or reasons for the drop.I contacted Transunion only to find they would not give me any information but offered to charge me to obtain a copy of my report either over the phone or from their website.I then found that i could get an annual report for free and requested one.I also have had on time payments for 44 months, no missed or late payments, only use 33 % of my total credit which should be less with my last payments, have not applied for any credit or have any accounts in collection and do not understand why the large drop when i have worked so hard to repair my credit.I went through a large drop last year due to fraud and proved it was fraud that dropped my score 86 points only to have it raised back up 24 points when i did nothing wrong which is not right or fair and this practice is not right and only hurts me for no reason and should not be allowed.

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 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: TN

Complaint narrative:
The XXXX office that charged off this debt did so knowing the insurance company covered the cost. This office has a long history of submitting to insurance improperly then billing the patient as well. After receiving the amount from the insurance company they still tried to charge the patient. Several attempts have been made to fix this error, the office clerk even acknowledged insurance had paid it but yet still tried to charge. If this isn't immediately deleted from my credit we will file suit. Not only against the original company but against this collection agency for a direct violation of HIPAA laws by obtaining medical records without patient consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am receiving calls from a XXXX which seems like a legal number regarding that my ATM is no longer functioning and that I need to do something in this regard ( I never finished the call ). Whoever is calling is impersonating ( it is a recording ) an official from Banco Popular de Puerto Rico. I decided to report this since we have been informed that this is a fraud practice using the numbers of the institution. I am communicating this to the institution as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent ( XXXX XXXX, a Califonia Corporation ) erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XX/XX/2020 In XX/XX/2020, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX by phone, I was made aware of the error In XXXX of XXXX, I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/2020. This resulted in a XXXX point credit score drop across all 3 reporting agencies. 

Since then, I have been in telephone contact with XXXXXXXX disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX XXXX & TransUnion, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.

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 2021-07-06 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: GA

Complaint narrative:
There were fraudulent applications submitted under my name. I contacted Equifax on 5 occasions by phone and certified mail and the info was not removed. 

XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: AZ

Complaint narrative:
My wife work position was eliminated due to covid XX/XX/XXXX. We requested and were granted mortgage forbearance under VA disaster relief fund. My wife was re-employed XX/XX/XXXX. We notified ServiceMac that we could continue our mortgage payments. 

XX/XX/XXXX we were notified by ServiceMac that they wanted to work with us to modify our mortgage and help make payments more affordable. XX/XX/XXXX we accepted their offer. A requirement of their offer was that we make three ( 3 ) trial payments over the following 90 days, that requirement was met. 

XX/XX/XXXX we submitted notarized application for loan modification while continuing to make first of month payments over the phone. We were told at that time it should take about 30-45 days to complete this process and would remove forbearance. 

XX/XX/XXXX we were informed that our paperwork was misplaced internally. On XX/XX/XXXX we received notice of Fully Executed Loan Modification Agreement. 

As of this writing, XX/XX/XXXX, our Fully Executed Loan Modification is not recorded. Our account at ServiceMac still indicates " Loan in Forbearance '' When we applied to refinance we were told that our account is still in Forbearance " no update of status ''. We continue to make phone payments at the first of each month per instruction. After repeated inquiries we have been given no information as to expected time for recording of our Loan Modification Agreement. 

This process has gone on for over a year now I can not express the amount of frustration and anxiety this has caused us. We have been prompt in suppling information or paperwork and met every requirement requested of us and continue to be put on hold with no end in sight. Due to this delay we can not sell or refinance our home and have no ability to secure any type of financial transaction.

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 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I paid a few bills on my credit report, one for XXXX XXXX with an outstanding balance ( Confirmation : XXXX ) for {$1300.00}. About a week later I signed up with XXXX XXXX to help repair my credit. After a month I noticed that charge was still on my report but being reported by Jefferson Capitol. I called them to try to give them the confirmation # and the gentleman yelled at me that " You shouldn't have paid XXXX that should have gone to us '' He told me to send over my bank statement that I had paid this so I did. Fast forward months in time and I'm still no closer to getting this taken off. I've called XXXX and Jefferson Capitol multiple times to try to get this resolved. The collection agency keeps telling me that it doesn't matter if I've paid XXXX that I still owe them another {$1300.00}. I've since sent all documentation to XXXX XXXX to send disputes to XXXX XXXX and XXXX but even if it's removed it could still show as something owed. I was told to contact you to hopefully get this taken care of. I'm trying to build my credit to help my kids go to college and I'm running out of time. Any kind of help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
Reverse mortgage servicer Celink filed an illegal notice of default and foreclosure, without any cause or notice, and I would like it removed, along with all of the unjustified attorney and filing fees. No payments were behind or due. Celink was promptly notified by me, the executor, and by the probate attorney, that the homeowner, my XXXX XXXX  on XX/XX/XXXX and that the heirs intended to sell the house as soon as the damage to the house was fixed. Later Celink said that was the reason they filed the foreclosure notice on XX/XX/XXXX was because they were not notified of the death and the intent to sell the house. I have proof, which I have shown them, that they were promptly notified and they even responded. Celink required that the house could not be sold until repairs were made ( see attached email ) and yet Celink refused to forward the insurance checks that were sent to pay for those repairs. Their unfair business practices are responsible for any delays in selling the house ( which is on the market ). I believe this foreclosure filing is an attempt to take the house illegally and sell it at auction for their own gain. Please see the attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MD

Complaint narrative:
I noticed recently as I pulled my credit report that there were some accounts that did not belong to me I have reached out to each creditor via phone and I have not got these issues resolved as of yet. These accounts are clearly in violation of my rights so I am seeking reparations for the damage and pain it has caused me and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
the following account appears on my credit report, without any authorization, it does not belong to me Identity Theft CHRYSLERCAP Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
- I received a promotional offer for opening an account in late XX/XX/2020. 

- The promotional offer included a bonus cash deposit if TWO criteria were met - a minimum initial deposit within a certain time frame, and maintaining a minimum balance for a specified time frame. 

- I called the customer service line repeatedly, inquiring as to whether or not all criteria had been met in order to qualify for the promotional offer bonus cash deposit. 

- Every time I spoke with an associate, it was confirmed that all criteria had been met. 

- All of these phone calls were recorded. 

- When I ultimately called to inquire as to why I had not received the bonus yet, I was informed that upon review there was a third requirement ( minimum transactions ) that I had not met. I had not been informed of this requirement to-date, and this requirement was not included in the initial offer. 

- I have tried communicating with Bank Of America repeatedly about this issue, but with no success.

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 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I was a client of XXXX XXXX for months and had the COVID 19 forebearnce. I was told over and over that my loan was allowed to move all payments to the end of the COVID 19 forebearance. 

My loan was sold to BSI Financial Services in XX/XX/2021. All of a sudden, when my forebearance ends, I am told that I can not have the payments added to the end of the loan. I am being told that I can only apply for a loan modification. Repayment plan. Also COVID 19 is a government program. My loan terms and agreement should not change at all just because the loan was sold.

This representative is telling me that BSI does not offer this option. That only XXXX XXXX offered this.

Company response to consumer: Closed with explanation