vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
Synergetic is requesting a payment however the buyer name & buyers signature does not match. Im requesting the company remove this debt with all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
DEAR ACA OF XXXX ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, its been 6 to 8 months of me fighting to get this fraudulent Bankruptcy off my credit report. The information I received from Equifax saying it was verified, But I want to know who verified it? By law you have up to 30 days to remove this of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
DEAR ACA OF BOSTON ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is incorrect information on my reports with XXXX and TransUnion pertaining to date reported or status date on four accounts that were included in a Bankruptcy last year, XXXX XXXX. These dates are very important in calculating my credit score. The accounts in question, have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving..When I disputed this information with XXXX, they were able to fix the errors internally, and my score improved significantly and immediately. The accounts with the incorrect information are XXXX XXXX, which reports XX/XX/XXXX, two separate XXXX XXXX accounts with date reported as XX/XX/XXXX, and XXXX XXXX XXXX which list date reported as recent as XX/XX/XXXX. All of which should have status date or date reported as XX/XX/XXXX, because that is the date the accounts took the derogatory status, not any time recently. I reached out to Companies to update this information with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates or date reported are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX. Filing this complaint is my last hope to get these errors fixed.

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 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There is incorrect information on my reports with Equifax and XXXX pertaining to date reported or status date on four accounts that were included in a Bankruptcy last year, XXXX XXXX. These dates are very important in calculating my credit score. The accounts in question, have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving..When I disputed this information with XXXX they were able to fix the errors internally, and my score improved significantly and immediately. The accounts with the incorrect information are XXXX XXXX, which reports XX/XX/XXXX, XXXX separate XXXX XXXX accounts with date reported as XX/XX/XXXX, and XXXX XXXX XXXX which list date reported as recent as XX/XX/XXXX. All of which should have status date or date reported as XX/XX/XXXX, because that is the date the accounts took the derogatory status, not any time recently. I reached out to Companies to update this information with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates or date reported are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX Filing this complaint is my last hope to get these errors fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, I applied for a student loan of {$18000.00} through Sallie Mae for XXXX XXXX XXXX for an XXXX XXXX field. The college had promised a full-time in person training throughout the program. However, due to COVID-19, they experimented half virtual half in person learning, which turned out to be a disaster for me and my classmates. I simply received a certificate of program completion, after the college was shut down, which had absolutely no value in getting me a job. Meanwhile, Sallie Mae was charging me interest in the background without my knowledge. Sallie Mae initially promised to kick in payment and interest upon graduation from the program. But they were not truthful. Because of the pandemic and poor training, I am unable to find a job. As a result, I am having an extremely hard time making loan repayment to Sallie Mae. I have pleaded with the college to help out as their program was a failure and also pleaded with Sallie Mae to waive the excessive interest, late fees, and increase in monthly payments. Neither the XXXX college nor Sallie Mae will honor my request. I have been hard-pressed and extremely saddened by the situation I have been put in by the college and Sallie Mae. 
I therefore appeal to you to help me out. 
I would appreciate you assisting me in this crucial matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed by someone, filed a complaint with chase bank and received a piece of mail in writing that says I had my money returned. I tried calling the corporate office and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
Hard inquiries on my report with unknown accounts. Also have different names listed with differ state searches. Victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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:
I XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the XXXX you cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7400.00}, {$8600.00}, {$2700.00}, {$4000.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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:
I XXXX have run out of patient waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. 

Much Appreciated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I would say the date would have to be around XXXX 2019 when I went to the XXXX XXXX XXXX. I had insurance at the time but I didnt have my insurance card with me that day. They said they would be able to bill my insurance anyway so I just left it as is since they said they would bill my insurance. Months later I see on my credit report that Im in debt {$560.00} for the services I received that day. Ive disputed it through XXXX XXXX numerous times with no changes made to that account. Ive contacted the original lender XXXX XXXX XXXX XXXX XXXX and the bureau CMRE Financial Services, sending them photos of my insurance card so they can verify that Im not responsible for the amount owed, and that its my insurance who needs to pay the amount but nothing has changed. After Disputing through credit karma, they verified that the information I provided was accurate. I desperately need this removed from my credit report because I am not responsible for the mistake XXXX XXXX XXXX XXXX made by not correctly billing the insurance and billing me instead, and I am not responsible for this amount owed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Please see my previous correspondence for more information on this matter. Let me make this perfectly clear. My biggest concern here is not that I received or didnt receive your response. My concern is that there is still a close to $ XXXX fraudulent charge showing on my account even though I promptly reported the charge as fraud!!! I am requesting an immediate re-investigation and removal of the charge from my account under my rights under the FCRA. I am scheduled to make a payment on this card for over $ XXXX on XX/XX/XXXX and I do not have the funds in this account to cover a FRAUDULENT CHARGE OF THIS INSANE AMOUNT! I will provide any documents necessary that you require for the re-investigation of my whereabouts or what have you to prove to you people that this is fraud.This is really getting ridiculous.

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 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I got a loan through one main financial around XXXX or XXXX. I was unable to pay it back in full and it did become deliquent, but it now shows in my credit report that I have multiple accounts through them with different amounts. It makes it appear that I have 6 or 7 different loans with them. Also it says my last payment was in XXXX and I'm sure it was in XXXX or XXXX. I am now paying this loan off and have an agreement that it will be paid off through a debt collector by XXXX of this year!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
Continental Finance/ XXXX XXXX is attempting to benefit from my credit card which by law is my social security card. I used it to originate this consumer credit transaction on my open end credit plan. Not only that Continental Finance is denying me credit just for exercising my rights to extend myself credit and defer debts. In the initial communication I had never received the 5 things by law that are required to validate a debt. I have sent Continental Finance a affidavit making them aware of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
This company, AD ASTRA RECOVERY which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$400.00} with a credit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt. 
I would like the business remove the negative report against my SSN at any credit reporting agency, In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly, they agree to remove my personal information from all accounts in the companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: NM

Complaint narrative:
Ive been a victim of identity theft and there are 2 medical bills on my credit that keep sending in bad reports that is damaging my credit. Ive explained to them that it was not me and I have a police report with number, and they are still on my credit.

Company response to consumer: Closed with explanation