vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Dear Sir or Madam, on XX/XX/2021 I was notified by my credit monitoring agency of a negative declaration on my XXXX  credit site. This was generated by Sequium Asset Solution XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. I informed their representative the amount in question was an error. Nothing they could do as their client XXXX had turned this matter over. I have attempted numerous times to have XXXX correct their error. Nothing was done at XXXX due to their lack of coordination in establishing and maintaining accurate customer records. XXXX, XXXX, XXXX /XXXX does not have the ability to verify information with their own subsidiary companies nor share or view billing information on their customers. I decided to start a consumer complaint with the Illinois attorney general 's office. The attorney generals site recommended contacting XXXX, which I did on XX/XX/2021. Speaking with XXXX at XXXX they could not find an issue with my account, after determining the correct account number I was transferred to XXXX XXXX and continued the process of reconciliation, I was then transferred to XXXX at XXXX XXXX XXXX, once again my account could not be reconciled I was then transferred to XXXX in XXXX  XXXX  and informed they cound not see the separate charges for XXXX, XXXX, OR XXXX XXXX XXXX. I was told they can only see records for a certain period of time. From the initial phone solicitation from XXXX I have been mislead by poorly trained representatives who make promises of services ( XXXX XXXX  ) that XXXX can not deliver. Slower speeds of internet are then crammed to the customer. XXXX  takes no responsibility for their representatives misinformation, lack of coordination of customer records and the sends false amounts to a collection agency potentially damaging credit score. XXXX  should resolve this issue, correct the credit report and remove any and all erroneously placed information by their company or subsidiaries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have had several disputes minimal progress my XXXX  and XXXX reporting in 600s equifax stalled at XXXX. Anytime going over 600 immediately drops back down. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I WAS SERVED A JUDGMENT FOR A CAR LOAN THAT I COULDN'T AFFORD ANYMORE AND LOBEL FINANCIAL HAS BEEN GARNISHING MY WAGES CLAIMING I OWE {$11000.00}. THIS HAS CAUSED ME A HARDSHIP WITH MY JOB AND STRESS WITHIN MY FAMILY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
There was an account that was opened through pro collect from XXXX XXXX XXXX for the amount of XXXX on the date of XX/XX/2014. Pro collect contacted me multiple times about this account and let them know that i do not owe this account. Ive sent paperwork showing i do not owe these amounts i even tried disputing it. And they constantly deny me and never remove it.

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 2021-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I sold my home in XX/XX/XXXX XXXX and paid off my mortgage with Dovenmuehle Mortgage Inc also known as XXXX XXXX in whole. At closing I had to pay the taxes and other fees creating a balance owed to me in my escrow account for {$3600.00}. I contacted Dovenmuehle as directed by the title company and filed a change of address form to inform Dovenmuehle of my new mailing address. The Dovenmuehle representative told me they were mailing a check for the balance owed to me. This was around XX/XX/XXXX. Weeks went by and the check did not arrive. I called Dovenmuehle back to check on the status and the representative told me they couldn't do anything until after XX/XX/XXXX. I called back on XX/XX/XXXX and they apologized and said they were canceling the first check and mailing another. Still no check was received. I called back on XX/XX/XXXX and asked to speak to a supervisor. I was told a supervisor was not available and they would issue yet another check and would have a manager call me back. They also said if I didn't receive the check in a couple of weeks to call them back again. The check still didn't come and no supervisor ever called me. I called back on XX/XX/XXXX and demanded a supervisor. A manager named XXXX got on the phone and said there were no notes made of a complaint prior to the XX/XX/XXXX call and no other checks had been sent prior to the XX/XX/XXXX call. She had a attitude and said she would have to file an inquiry with a separate department and someone would be calling me within 72 business hours. 72 business hours was reached yesterday XX/XX/XXXX. No one has called me and still no check has come. We need this money to go towards our new home. We are tired of being lied to and just want our money. They are literally holding our funds and not returning them to us. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
i had to move because i was layed off due to covid 19, i was unaware these charges were added to my credit report, i tried to work out a way to pay, but they did not adhere to any resolutions offered.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi ***SEE ATTACHMENTS WITH SUPPORTING DOCUMENTS**** I was reviewing my credit again early this morning and notice that you continue to report incomplete and misleading information on my personal info, old addresses thats not required by fcra, variatios of misspelled names, phone numbers, and inconsistencies with the 3 accounts below. 

Its my understanding that youre company or organization needs to keep solid and 100 % accurate information on my credit and anything otherwise, its a violation of fcra and consumer laws. These accounts and negative info is NOT in COMPLIANT with the laws and they need to be removed. Its impossible that you actually investigated these accounts because they are still reporting different dates of last active, different dates of last payment, different payment status and history, etc. 

How is it possible that one credit bureau deletes the item or stated that I paid one-time and never late, but you continue to report inconsistent and incomplete information? How come I disputed these accounts before, but the account status was never updated.?!? How come nothing legally was sent to me to verify the account? Saying that you verified this account as accurate, is a binding legal agreement that you follow all the protocols. Well, you didnt because its still showing those negative things on my credit and Ive ccd cfpb and ftc on this matter. I demand that you delete them all ( 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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/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 2021-02-04 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: MIDFIRST BANK
State: GA

Complaint narrative:
I have reached out to Midland Mortgage to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and Midland mortgage advised me that the payments will not be reported to the credit bureau as late payments while under this program. Midland Mortgage in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX Midland Mortgage continues to report as late payments for this timeframe. I reached out the Midland Mortgage around XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from Midland Mortgage stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after Midland Mortgage assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from Midland Mortgage that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Midland Mortgage must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with Midland Mortgage and wish that they correct their errors.

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 2021-02-04 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: MA

Complaint narrative:
I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/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 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX financed through Exeter finance. I reached out to Exeter finance in XX/XX/XXXX to see if they would work with me to try and lower the payments so that i can keep the vehicle during the pandemic. Exeter declined and the vehicle was repossessed and i actually paid to get it back in which they said they would work with me. I asked could payments be rolled over to the end of the loan and what was my other options, unfortunately the vehicle was repossessed again in XXXX, they never sent me anything where the vehicle was located so that i could retrieve my personal belongs nor when the vehicle would be auctioned off. I received a call from them in XXXX stating they sold the vehicle and that i had a remaining balance of {$9800.00} left on the loan. I later received another letter from a collection agency stating they represented Exeter and i had a balance of {$5500.00} and i was only to communicate with them to settle the debt. Exeter is reporting 3 different balances on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I received my first contact by mail from Account Resolution Services ( ARS ) on XX/XX/XXXX alleging that I owed a debt and that it would be reported to my credit within 15 days of the letter which was dated for XX/XX/XXXX XXXXI immediately responded to this letter by sending a Validation letter by certified mail on the same date I received it XX/XX/XXXX. I asked for original copies, signed documents with my name admitting that I owe this alleged debt, among other documents. 
However, I did not receive any type of documents providing me with validation of the alleged debt. I then on XX/XX/XXXX sent a dispute letter by certified mail disputing the alleged debt and asking that all negative remarks be removed from my credit file that was reported to the three major bureaus ( XXXX XXXX, XXXX, and XXXX ) on XX/XX/XXXX affecting my credit negatively in a significant way. Not only did I not have the opportunity to respond or dispute this debt in a timely manner before it went on my credit file, my first contact by mail was to tell me it was being reported to my credit by the named company. To add to that I received no documents to validate that I owe ARS or any other company. 
On XX/XX/XXXX I received a letter in response to my validation request from ARS ( Account resolution services ) stating that the debt was verified by them, again this was just a letter from ARS stating this, which is not what I asked for. I asked for validation with proof in the form of documents with the name and address of the alleged creditor among other things that I have not received as of yet. I responded again to tis letter by certified mail stating that I did not ask for a statement of verification from ARS and that they failed to validate the debt and provide me with proof. I asked that because of their failure to do so that the debt be removed from my credit file and closed from their records for good. I also sent a copy of that validation request to the three major bureaus on XX/XX/XXXX and asked that they remove the negative remars from this company as well.

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 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I have a inaccurate debt in my credit reports that does not obtain to me. They refuse to remove or proof ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
On Mon, XX/XX/2021 at XXXX XXXX XXXX XXXX wrote : ____________________ Please see attached notification of a traffic violation for the Municipality of XXXX. We are the authorized servicer in the United States for recovery of the unpaid fine related to this violation. 



Protocol # XXXX Ticket Date : XXXX License Plate : XXXX Amount Due : {$450.00} Reason : Circulating in a restricted traffic zone As an opportunity to satisfy this obligation, we have been authorized to settle this matter as follows : SETTLEMENT AND RELEASE OFFER Payment of {$300.00} made on or before XX/XX/2021 Upon receipt of XXXX in collected funds as stipulated above you shall be released from any and all obligations which exist now or which may arise in the future with respect to Protocol # XXXX. There shall be no further obligations due from any party upon settlement of this matter. 



Payment options include making payment on our online payment site - Kehoe_Payment_Online. You can also call in to our office to speak with a representative and make a payment over the phone. All mailed in payments should by drawn payable to Kehoe Financial Group , LLC and mailed to the following mailing address : Kehoe Financial Group LLC XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX, New Jersey XXXX Confirmation will be sent upon receipt of the payment to verify that these matters have been closed. 



XXXXhoe Financial Group XXXX This communication is from a debt collector ; any information obtained may be used for this purpose. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: IL

Complaint narrative:
Equifax is still reporting the following items inaccurately. Can someone please look into this. Thank You Accounts XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX inaccurate INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized EQUIFAX MTGE SER XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: FL

Complaint narrative:
This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.

Company response to consumer: Closed with explanation