vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
DEBT COLLECTOR ONLY SENT ME A COPY OF A BILL AS " VERIFICATION OF DEBT. '' I HAVE DOCUMENTED MULTIPLE ATTEMPTS TO GET FURTHER INFORMATION FROM THIS COMPANY TO NO AVAIL. A COPY OF A BILL IS NOT VERIFICATION OF DEBT. I DID NOT ASK FOR A BILL COPY. 

THIS DOES NOT MEET THE FEDERAL TRADE COMMISSION 'S GUIDELINES OF WHAT CONSTITUTES PROPER DEBT VALIDATION. ( FDCPA 809B ) All debt collectors operating in the State of Texas must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. 

Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
When I took out the loan with Big Picture Loans for XXXX dollars they said the finance would be XXXX dollars. I then said okay but received papers for repayment until XXXX XXXX, 2017 totaling XXXX .I did not receive this until after payment. I would have never agreed with this outrageous interest. XXXX was taken out every two weeks. I have already paid over the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an count on my credit report that I have disputed before. I have requested to see the proof provided to the credit bureau to provide proof of debt and I have yet to receive this information to date.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Collection Consultants of California
State: CA

Complaint narrative:
Account name COLLECTION CONSULTANTS Account number XXXX Recent balance {$170.00} as of XX/XX/XXXX/2017 Date opened XX/XX/XXXX Status Collection account. {$170.00} past due as of XXXX 2017. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX Type Collection COLLECTION CONSULTANTS ' lack of response has negatively impacted my credit report. I reserve all legal rights to defend and dispute my credit report records. 

Why wo n't COLLECTION CONSULTANTS provide a deletion letter for paid claims, similar to other collection firms? 

Request : Deleted permanently from my credit report. Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry. This is the only remaining inaccurate collections item on my credit report. 
Consumer Finance Protection Bureau ( CFPB ) Case Numbers for CMRE to immediately address :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Costco decided to change credit card company so they send me a citi card application which I refused, Never send the paper work never received a credit card and statement, went to costco where they said because I denied the credit card I have to call them again, I did not as I wanted to apply with a different credit card from XXXX. I received a statement from citi bank telling me I was delinquent on my bill ( Never received a credit card instruction on the credit card never saw this credit card ) until I received a statement stating I was late on my payment received penalties and fees I immediately called Citi Bank and told them I have NEVER accepted or signed an agreement for the card and did not even have that card in my possession We had a three way call with Costco which I cancel Costco membership. As I told citi card who wanted me to cancel the card I can not cancel a card who is not mine and a bill that I never saw before. They said they will take care of it.. 
Yesterday I received again the same bill from citi bank I am very scare my credit score is XXXX. I always followed the law and to see that a credit card company is able to issue me a credit card and ignore my right is beyond comprehension. I have the right to decline a card They have no right to send me a bill with late fee and penalties when I never saw or received a bill before??? 
I have citi bank credit cards which I will cancelled of course as I do not trust them anymore,XXXX of the credit card that I have accepted and signed for it years ago I have a XXXX balance.on it. being an excellent consumer did not phase they treated me without respect with regards 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 2017-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1

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 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was defrauded by the school ( XXXX College ). I was told I would qualify for grants that I did not qualify for and was faced with major student loans due to the illegal practices made my Sallie mae ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
will not provide a itemized list of charges for my review debt is 41/2 yrs old

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 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
No Notice was mailed account appeared on my credit report cause my score to drop no knowlede of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
I have asked many times for proof for this item on my credit because I have never heard of the original provider. I have never been to the location. They have NOT been able to provide me with any proof showing this is my debt. There is no paperwork, no signatures. It is a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
NOTE : This is not a new complaint, I simply wish to amend my response to an existing complaint ( XXXX ), but there does n't seem to be a facility to do so online. 

Anyway, in addition to the fact that I was not notified of the rate increase on my credit card account, I would like to note that when I did eventually notice the increase ( after almost a year ) and inquired about it, the rate was immediately changed back to the regular rate. While on one hand that is obviously a positive thing for the consumer, it goes to show that American Express 's strategy to maximize revenue is to charge a huge rate, *until the customer notices it*. This strategy is consistent with them not being motivated to notify the customer of the rate interest in the first place ; it is obviously not in their best interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have been contacted multiple times by a collection agency that goes by Commonwealth Financial. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that Equifax continues to report on my credit file : Bankruptcy Case ID # XXXX Equifax listed XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. 

I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax 's so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Officer I am writing to report that Bank of America has never listened to its customers and has never looked into their mistakes. 
I followed the instructions of Bank of America but Bank of America did not keep its own instruction. Please ask Bank of America why they have XXXX policies for the same transaction? 
Thank you! 
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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following hard inquiries were disputed because I did n't authorize them and they are non factual record : XXXX XXXX/XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX bank XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, conn credit corp XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX/XXXX/XXXX, and XXXX XXXX XXXX/XXXX/XXXX. Instead of removing the non authorized hard inquiries with no associate accounts. A hard inquiry of an open account XXXX was removed. It only took one day to make a decision after the dispute was filed so one can only assume there was no investigation. I did not sign for anything this is unfair practice by a credit reporting agency with no concern for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX 2016 I wrote Equifax asking to investigate my credit score. About 2 months ago I also wrote them for the same reason and got no response. I sent this request to investigate through the mail. 
I have heard no response. 
I filed Bankruptcy XXXX, 2016 and numerous tradelines were being reported wrong or should not be. Equifax would correct them, but the credit score would not change back. 
My XXXX score is XXXX. All I have on my XXXX are a lot of student loans either paid or being paid on time. On my Equifax I have those same student loans and XXXX 's furniture being paid. I also had the fraud child support, which is now removed. I told you all it was fraud. 
That wide range in credit scores XXXX to XXXX is too much a difference. Others told me that too. As said during my bankruptcy I would dispute items and removed or adjusted, but the score that dropped did not change back. 
I have asked Equifax for a copy of my credit reports since XXXX, 2016 so I can see where the problem lies since they refuse to investigate this. 
Someone with positive credit payments and closed paid accounts should not have a credit score of XXXX. They need to explain this score and they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
CONVERGENT OUTSOURCING AGENCY PLACED A COLLECTION ON MY XXXX AND XXXX REPORT REGARDING A XXXX ACCOUNT ON XX/XX/XXXX. THEY PLACED THIS ON THE CREDIT REPORT ON OR AROUND XX/XX/XXXX. MY SCORE ONCE AGAIN HAS BEEN LOWERED. I SPOKE TO THIS COLLECTION AGENCY AND FOUND OUT THAT THEY DID NOT HAVE ANYTHING IN THEIR SYSTEM. THEN AFTER A BIT ON THE PHONE THEY SAID XXXX RECALLED THIS ISSUE ON XX/XX/XXXX. THE COLLECTION AGENCY PROCEEDED TO PLACE THIS ON MY CREDIT ANYWAY. I CONTACTED XXXX IN PENNSYLVANIA REGARDING THIS ISSUE AND THE AGENT STATED THAT THERE WAS NO NEGATIVE ACCOUNTS IN THE SYSTEM ON ME. THIS IS GETTING A LITTLE OUT OF HAND WITH THESE COLLECTION AGENCIES. THIS COMPANY HAD A ACCOUNT ON FILE WITH XXXX THAT I TOOK CARE OF PRIOR TO BEING PLACED ON MY CREDIT. i STILL HAVE N'T RECEIVED MY CLOSED ACCOUNT LETTER. IM ALSO NERVOUS THAT THIS AGENCY WILL TRY SOMETHING IN THE FUTURE WITH MY REPORT REGARDING THIS ACCOUNT. I ALSO FILED A DISPUTE WITH THE CREDIT BUREAUS AS WELL. i WAS IN THE PROCESS OF BUYING A HOUSE AND THIS WAS NOT A GOOD THING FOR ME.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All XXXX accounts should have XXXX balance. Please update ASAP! 

1. XXXX XXXX XXXX, XXXX Balance {$45000.00} Reported XX/XX/2017 2. XXXX Balance {$140.00} Reported XX/XX/2017 3. XXXX Balance {$110.00} Reported XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have 6 student loans with Navient, 3 stafford subsidized and 3 unsubsidized, through several years of unemployment and generally not making enough money to pay it back I kept being pushed into doing forbearances of my loans. I 'm learning now that I could have had repayment plans that were based on my lack of income to make the repayment. I 've tried talking to them to gain insight into options, but was always made to believe that the best option was forbearance and others were not. I was also led in a confusing way about the other options available to me. Now years later my balance is much higher than it was initially and I 've made little or no steps towards repaying my loans. I believe they 've acted in their best interest to get the most amount of money out of me possible, rather than collecting principal plus reasonable interest. 
There were times that the amount they said I had to pay was much higher than I could afford. I tried saying that I could pay a lower amount and they said no. That the only way to get back on good terms, and the best option, was to just place my account on forbearance. I could have been paying $ XXXX a month during large swaths of times, but they either would n't accept that as the repayment amount, or just said it was not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I Called the company listed below and inquired about information placed on my credit report {$31000.00} in 2006 and the representative asked for my personal information. Name, social security #, address, etc ... she stated that she did not have any information on me in their files or system, I then asked her that if i 'm not in your system then how and why is this debt on my credit report she could not give me an explanation, I then asked for the debt to be removed /deleted and she refused stating that i need to send a copy of my credit report, so i told her that i would file a complaint to get this issue resolved. 

the company is : OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a credit card from Synchrony bank from financing a dryer at hhgregg a couple years back. hhgregg is going out of business and I want to close this card, which I have n't used since and never plan to use again. It has been paid off and carrying no balance for over a year. 
Synchrony 's FAQ is down, their " compliments and complaints '' page fails to load, the hhgregg portal for managing the card is down, and I can find no way to close this card. I tried calling several numbers including the XXXX their website says to contact for hhgregg-related accounts, and despite XXXX attempts, waiting on hold for XXXX minutes each time, I have never managed to reach a human to request account closure. 
They are effectively refusing to close this dormant card by providing no means to do so. I 'm not sure what else to do having attempted all means of reaching out I can find.

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 2017-04-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A credit card was opened with my name and social security number. The credit card company is Synchrony Bank, also known as a Wal-Mart credit card.

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 2017-04-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
The bill belongs to XXXX and I have been telling them this for the past two years now and after I show prove they removed one bill and sent me a letter saying that it was removed then they but it right back on my credit report and it 's not even my bill!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. 
Verification of contract needs to be produced to verify obligation by consumer.

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