vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
XX/XX/XXXX To whom it may concern, I XXXX XXXX XXXX tried negotiating a fair price with Mr. XXXX from the XXXX XXXX XXXX XXXX It was he that told me that the only way they would let me pay a monthly {$150.00} payment, would be that they are going after the full {$9200.00}. Yes! Mr. XXXX said XXXX his own words over the telephone verbally. I know my rights and I know bill collectors are supposed to work with their clients. I told Mr. XXXX what XXXX can afford and I would try. My rent will be going up an additional {$270.00} per month starting XX/XX/XXXX. My rent will go up from {$1800.00} to {$2100.00}. the rent is split two ways. My student loan will also be paid on XX/XX/XXXX. What do you expect me to do when a bill collector is coming after {$250.00} a month. When they bought the account from XXXX XXXX XXXX, the account was still {$9200.00} and not {$10000.00} or {$13000.00}. Where are these debt collectors getting these figures? For, they did not pay {$9200.00}, {$10000.00}, or {$13.00}, XXXX for this debt which was sold by XXXX XXXX. It read in the closing portion that the statement was false. No! If a debt collector expresses to me what he expects and if I do not agree to what he wants, he needs to send me something in writing. 
I have a signed document of the new lease agreement starting on XX/XX/XXXX, my lease agreement will be going up to {$270.00} more a month. 
The XXXX XXXX XXXX Account Members don't have any compassion or respect for those who are in need. The statement when talking to Mr. XXXX was not false and Yes! I talked with him about reducing the payment. he replied, the only way that XXXX would accept a {$150.00} a month payment, they are to go after the total {$10000.00} dollars. What is it that you can not help me settle the problem I am having with XXXX XXXX XXXX wanting the entire {$9200.00} owed on the account? How is it on my XXXX Account, this debt is paid off and no payment is due? 
Around XX/XX/XXXX, or before, I signed up for XXXX XXXX, that I may get some help with the negotiating price/mediation. One of the lawyers from Legal Shield from the LAW FIRM OF : XXXX XXXX XXXX XXXX, LAW FIRM PHONE NUMBER IS XXXX. Tried to negotiate a fair price with the XXXX XXXX, but they did not accept it. I did not retain them because I do not have a 10 % retaining fee from the {$9200.00} fee. Again, Sir or Ma'am, my word is my bond and what Mr. XXXX relayed to me, this is what I am relaying to you. Can you please check my credit report and see that it is noted that this debt is PAID!!! Why are debt collectors coming after a debt that they only paid pennies on a dollar? 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: American First Finance, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on AMERICAN FIRST FINANCE I. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: AES/PHEAA
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : FED LOAN SERVICING Balance {$6600.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$6500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$7100.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3900.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$630.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1300.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$5000.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1200.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4400.00} Reported : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavourable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to CAINE & WEINER Balance {$890.00} and CAINE & WEINER COMPA Balance {$160.00} but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX ny address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my complaint is that my mortgage loan used to be with community loan servicing llc account number is XXXX before my loan was sold to XXXX XXXX XX/XX/2021 I was approved for a loan modification my trial period payment was XXXX the due date was XX/XX/XXXX with a grace period as long I get in in before the end of XXXX. I got letter from prior servicing dated XX/XX/2021 from asset manager Mr XXXX XXXX phone number is XXXX XXXX XXXX faxXXXX  XXXX XXXX loan servicing llc saying I was approved I agree and accepted the terms then I ask Mr XXXX XXXX  that my loan will be going to a new servicing company called XXXX XXXX and I ask him would I have to do loan modification application all over again. He responded no everything will transfer as is and selene finance will honor your modification request because it was approved by your investor so I called XXXX XXXX  and put in my new account number XXXX and it still shows I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
This company is not paying off my debts in a timely fashion especially given the amount of money that is deducted from my bank account monthly. For example, i have a balance of well over {$5000.00} with them but they only pay {$10.00} per month on a {$230.00} bill yet they are deducting fees and keeps moving the estimated settlement dates for bills up each month. This example is one of several with my account that couldve settled. Essentially they are making money off of me for doing as little as possible to pay off my debts. This is causing me issues with job prospects because there is no solid proof that i am paying off debts. Plus they could never provide documentation that a debt is being paid off other than a generalized letter that does not address the debts being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I C SYSTEM, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. 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 2021-11-01 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :

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 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the list of the account that is still reporting on my account : 1. WAKEFIELD & ASSOCIATES ( Original Creditor Name XXXX XXXX XXXX ) Opened XXXX XXXX, 2015 Balance {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests for ENHANCED RECOVERY COMPAN, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express National Bank XXXX XXXX XXXX u s a all disputes have timed out of the past ten years due too barriers to citizens of the united states not being able to gather and forward supporting documents from hotels and airlines in the us when it was charged on a prepaid bank card the bank will not help in any matter with all of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Due to covid related unemployment and decrease in income we applied for home mortgage modification and our application was approved or elegible for modification based on our income and current situiation our gross annual income is {$60000.00} and according to the guideline our modified payment should not be greater than 33 % our income But XXXX  Mortgage company refused to modified our mortgage based on our income and send us modification agreement with the same interesrt rate of 4.25 % which we have currently with no interest or principal reduction to adjust our monthly payment even if i talk to the underwriter they refused to adjust the payment based on our current income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: OK

Complaint narrative:
I have been locked out and unable to access my credit report or any ongoing disputes despite filling out their online forms and calling them. This is a XXXX access issue once again, because as an XXXX XXXX, these hoops that there are no justifications with modern technology. Using COVID as an excuse is unacceptable. Open my account, update my information, finish the disputes.

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
When I opened my accounts I was told by the phone banker in order to avoid fees I had to have automatic transfers set up of XXXX each month to keep the account free and the phone banker had to set them up. I only just learned that it is not true and I needed an average balance of {$500.00} in order to avoid the fee. I was never told this and then I couldn't even be refunded all the fees like it was my fault. I want ALL fees reversed in full. This is the bank 's fault, not mine.

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 2021-11-01 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: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 50 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made a payment for {$200.00} and I must have miss typed my information because capital one sent me a notification stating that the account could not be located to please double check your information and submit it again. So I did that and capital one turned around and closed my credit card account. The payment has just cleared my XXXX account. Capital one does not give you the balance to be available until the payment clears. 

My mother just passed away and Ive been handling everything regarding her funeral and I made a mistake, but capital one did not even bother waiting to see if that was just a clerical mistake on my end. They closed the account. I had already made a XXXX deposit to them that did not return as well as a XXXX payment. This is really unacceptable the way they are doing business with me. 

When I called and got customer service on XX/XX/21 customer service refused to answer who I could actually talk to. When I escalated and the gentlemen would not answer I asked for their boss. They refused to escalate the cal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've been going back and forth with this company about a inacurate bankruptcy being reported on my credit report in which they lied and said they verified it trough XXXX XXXX Thats not true because i reached out to XXXX XXXX and its not reporting on my report i also reached out to the court and they said they dont report such 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 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
MY HIPAA RIGHTS HAVE BEEN VIOLATED-INTENT TO SUE On XX/XX/2021, I mailed a debt validation letter to Nationwide Recovery via certified mail. The tracking number is XXXX. Per the FCRA, they had 30 days to completely validate this debt. It has been six weeks, and they have yet to do so. Furthermore, this collection was added to my XXXX credit report on XX/XX/2021 AFTER the I sent the validation request letter and BEFORE I received full and complete debt validation, which is a direct violation of the FCRA. As I previously advised them, I was not only requesting copies of medical billing statements, etc., that provide details of services rendered, per it is a direct HIPAA violation for them to have this information without a signed medical release/transcript from me authorizing National Recovery Services to view my medical records. Since they do not have a signed release on file with me as I specifically requested, they have violated my rights under HIPAA by reporting this debt to the credit bureaus. 

Again, I am requesting this collection to be removed from my XXXX, XXXX, and XXXX credit reports. If this is not removed within the next 10 business days, I will file a lawsuit seeking damages at a minimum of {$10000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX @ XXXX XXXX  this communication was received from XXXX XXXX : regarding our conversation on XX/XX/XXXX, about the proof of payment for the XXXX payments you madethe clear dates you provided me, match the payments made to another account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to move a credit from another account that was meant for yours, but one of the 5 payments made to his account was refunded to another account, which is the reason for the {$30.00} balance due remaining on your account XXXX  phone records will attest many failed phone-call attempts to receive XXXX XXXX  evidence of the alleged attached never received {$30.00} refund : attached as : Status UNPAID Date of First Delinquency XX/XX/XXXX XXXX XXXX office staff refused to read the above communication @ XXXX XX/XX/XXXX. XXXX XXXX alleged XXXX Manager XXXX XXXX refused to provide an email address to receive the above communication during her XX/XX/XXXX XXXX initiated phone call. XXXX XXXX additionally called XXXX XX/XX/XXXX from XXXX with voice message : Hello Mr. XXXX XXXX XXXX XXXX returning your call. Ill try later. 

The above XXXX XXXX, XXXX call was in response to my phone call to XXXX XXXX XXXX , chief executive officer for XXXX XXXX , the reported XXXX XXXX legal owner. 

As the above {$30.00} refund has never been received by me, the {$30.00} falsely alleged due XX/XX/XXXX represented by XXXX XXXX remains paid. The attached is the XXXX-account provided by XXXX XXXX to make the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reported payments.

Company response to consumer: Closed with explanation