vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C.Tech Collections, Inc.
State: PA

Complaint narrative:
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Copy of Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APEX Asset Management, LLC
State: PA

Complaint narrative:
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I have disputed this, requested validation and verification and nothing has ever been sent. This is false information listed Paramount Recovery XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I bought at home at XXXX XXXX XXXX in XXXX, MA in XXXX. We have sold it and must close on XX/XX/XXXX. The Buyer 's attorney found TWO mortgages of record that were never discharged from BEFORE our purchase. One was XXXX, recorded XXXX XXXX XXXX XXXX XXXX XXXX page XXXX. Mortgagors are XXXX XXXX and XXXX XXXX XXXX. Dated XX/XX/XXXX in the original amount of {$56000.00}. The second is XXXX in the amount of {$250000.00} dated XX/XX/XXXX and recorded at XXXX XXXX XXXX XXXX page XXXX. The Mortgagors are again XXXX and XXXX XXXX. 

Bank of America took over these banks according to the FDIC. My complaint is that I CAN NOT get a phone number to contact at Bank of America to get the mortgage discharged. EVERY customer service phone number goes the same way. The computer asks for your account number or SS #. If you have no account it demands your SS #. Then it directs me to my credit card balance and hangs up. I went to the only local open Bank of America on XXXX XXXX in XXXX, MA and told my problem to a mortgage officer there. I was given a number to call and assured it would work. " Just keep pushing XXXX if it asks you for information. '' I did as told..it kept asking for my account number, then hung up after telling me to call back after I had the account number. Their web sites are useless. I AM GOING TO LOOSE MY SALE!!! 
PLEASE HELP, there is no number that I can find to call. 

Under Massachusetts law they MUST provide a discharge when asked, but you can't ask them!!

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 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On the morning of XX/XX/21 @ app. XXXX. I called cash app customer service number that was listed on line regarding an issue. I called seeking help, however I got taken advantage of. I called because I sent my son XXXX $ via cash app and I asked him dd he receive it, he said no. So my first instinct was to call customer the service number. There is no way to reach out to any customer service representative through the app. There isn't a email connected to the company or a number connected neither, which led me to XXXX the number online. I called the number posted online, someone picked up, I explained to them what happened, then then told me that they would help me. They asked my name and the general information someone would ask to verify an account. They told me they see the issue and that I also needed to download an app called XXXX XXXX to help navigate me properly through the app. ( it allowed them to see my screen on my phone ) we went to customer support an other credible places in the app and then they told my to click on XXXX. and to click on the option of XXXX XXXX I wasn't sure what exactly what was going on because i'm not familiar with XXXX. so not only was I still out of the XXXX, now i'm being scammed out XXXX more dollars. at this point i'm getting upset because i'm noticing money being taken from my linked bank account. they were able to change the account number to my cash appp account from there end. I was in the process of hanging up, they told me that the money that was taken from my account would be returned along with the original amount of XXXX, XXXX if they can have access to my sons account. They got on the phone with my son my son verified his account as well they accessed his account as well and that's when they were able to take everything. They also scanned his I.D . and his face. ( This didn't alarm me at the time because these are things you have to do to verify your identity when you set up a cash app account. ) I then got upset and told them to give me my money or I was done. at this time I knew something wasn't right. They kept telling me that they were having technical issues that's why were having problems, and was having issues reversing the money. I told them that I have a cash app debit card if that would help that they could send it to. They said I would have to only go to a XXXX  ATM to receive my money, and that I will receive my money in full, cash, so my son and I drove to a XXXX machine on XXXX XXXX XXXX ( in a gas station. ) They gave us a code to put in and we also had to add XXXX additional dollars in order to active the XXXX machine.Of course it didn't work. I finally hung up and reported it to my bank and went to the police station shortly after that. And the police confirmed I was a victim of a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this REMOVE XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$110.00} XXXX XXXX {$1200.00} I have already disputed, filed a CFPB complaint against this company these companies as well. THEY CAN'T EVEN FIND MY SOCIAL IN THERE SYSTEM. YOU HAVE INFORMATION LISTED ON MY CREDIT FILE THAT DOESN'T BELONG TO ME. I NEED SOME ACTION TAKEN PLEASE HELP

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 2021-04-01 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collection is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed that Mountain Land Collections was on there, I immediately called and settled the account. I was completely unaware that this was reporting on credit. I ask that they remove this account from my credit file since I was not notified about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For several years I have paid an account on my credit report to avoid negative reporting on my credit file. The company refuses to close, refuses to give information regarding the card, and informed me the account is restricted. However, they will accept payment. When contacting a representative by phone, they have made me aware that they dod not have proper authorization to open the card and requested my authorization by allowing them to run my credit. If they required my authorization, my question is, why and how were they able to report a debt to my credit. I want the account closed. I have experience credit fraud over the years, and since reporting with local authorities, it was advised that I apply for a new social security number. Once again I contact the card company and request information but they disconnected the line fir no apparent reason. The previous time I contacted the card company, they requested that I fax over authorization to run my credit. I find this suspicious. Additionally, they are unwilling to assist. The last person I contacted worked in the fraud department. Her name was XXXX. She was a fraud specialist who was not able to provide a last name, or representative identiciation number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX  and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPTEDXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners
State: MD

Complaint narrative:
Since XX/XX/2021 I have been receiving repeated and harassing telephone calls from Affiliate Asset Solutions a debt collection agency located in XXXXXXXX XXXX, GA. The debt is unknown. In addition, Affiliate Asset Solutions has deliberately falsified the information transmitted to my caller ID display in order to disguise their identity. I have recorded calls from ( XXXX ) XXXX and ( XXXX ) XXXX. I was able to trace these numbers as belonging to Affiliate Asset Solutions. Their registered telephone number is ( XXXX ) XXXX. On XX/XX/2021 a recorded voicemail message from ( XXXX ) XXXX was left stating " court action '' was being taking against me. The message is believed to have been left by Affiliate Asset Solutions. Per the Fair Debt Collection Practices Act ( " FDCPA '' ) a collector is required to send a written " validation notice '' within five days of first contacting you. However, I have not received this notice from Affiliate Asset Solutions and the right to dispute the validity of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Agency has refused to send verification. Account was removed by previous collections company and has now reappeared.

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 2021-04-01 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:
I want this REMOVE XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$110.00} XXXX XXXX {$1200.00} I have already disputed, filed a CFPB complaint against this company these companies as well. THEY CAN'T EVEN FIND MY SOCIAL IN THERE SYSTEM. YOU HAVE INFORMATION LISTED ON MY CREDIT FILE THAT DOESN'T BELONG TO ME. I NEED SOME ACTION TAKEN PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Each month my payment is sent from XXXX XXXX between the XXXX and the XXXXThe loan is {$1300.00} each month, I started sending {$17000.00} about 3 or 4 months ago, I had been sending {$1600.00} before that. Before my account. was sold to this company, I never had trouble with the additional payment. Now I am being charged late fees for using thier payment plan. I have the loan thru a loan company. but a collection agency handles the account. LOANCARE XXXX. XXXX XXXX XXXX XXXXXXXX, VA XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX, VA XXXX XXXX A charge of {$51.00} for late fees.

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 2021-04-01 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:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have three Navient private student loans originated in approximately XXXX. I had difficulty making payments and was unable to arrange suitable payment agreements for these loans in the far past. Eventually the three loans charged off in approximately XXXX and remain on my credit report. 

I would like to now establish a payment agreement with Navient for these loans, but I have had great difficulty dealing with this process over the past 5 months. I have made many calls to both Navient and also XXXX XXXX, who apparently places Navient loans with collection agencies or attorneys with whom I would be able to negotiate payment agreements for repayment. 

To summarize, Navient seems to continually ask XXXX XXXX to place the loans. Then XXXX XXXX is unable to place the loans, as it seems that there is no agency or attorney interested in these accounts, as these loans have passed the statue of limitations in my state of residence, Pennsylvania. XXXX XXXX continues to return the accounts back to Navient since they can not be placed. Then Navient again starts the whole circular process over again. I have made many phone calls, even trying to resolve this issue with the Navient escalation department, but all of my efforts have been unsuccessful. 

Navient certainly seems willing to receive any monies that I might send them, but appear to be completely unwilling to discuss or establish any formal agreement with me. I need a formal payment agreement with documentation that I can provide to other future lenders so that I can demonstrate I am making efforts to address these past arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I started using the Experian app and Experian Boost several months ago. Experian Boost links your utility bills to your credit report, often raising your credit score. 

On XX/XX/2021 my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX pulled my credit report for the first time for this refi. 

Early in the week of XX/XX/XXXX of this year XXXX asked me to remove the reporting of my utility bills from my credit report, as that reporting was hurting my refi application. 

On XX/XX/2021 at about XXXXXXXX XXXX EST I used the Experian app to remove all the utility reporting through the Boost feature. 

On XX/XX/2021 at XXXXXXXX XXXX EDT, on a 20-minute call, I asked an Experian customer service rep by phone if the utilities would continue to show up on my credit report. She assured me that they would not appear. 

On XX/XX/2021 at XXXX XXXX EDT I asked XXXX to pull my credit report again. 

On XX/XX/2021 at XXXX XXXX EDT XXXX told me that the utilities were still showing on their second pull of my credit report. 

On XX/XX/2021 at XXXX XXXX  EDT, on an 8-minute call, I explained my situation to an Experian customer service rep by phone. She said that I would have to contact the Dispute Dept. but that they were done for the day. She gave me a number to reach the Dispute Dept. 

On XX/XX/2021 at XXXX XXXX EDT, on a 40-minute call, I explained my situation to an Experian Dispute Department rep by phone. He said that he did a soft pull on my report and the utilities did not show up. 

On XX/XX/2021 at XXXX XXXX  EDT I asked XXXX to pull my credit report again. 

On XX/XX/2021 XXXX pulled my credit report for the third time. 

On XX/XX/2021, at XXXX XXXX  EDT, XXXX told me in an email that the utilities were still showing on my credit report. 

You can see in the attachment provided by XXXX that the four highlighted utility entries all show as self-reported bills at Experians XXXX, Texas address. 

Experian 's failure to resolve this problem is making my mortgage refi increasingly unlikely, since the dramatic decline in two of my credit scores can be partially attributed to the three hard pulls XXXX has had to make since XX/XX/XXXX. My XXXX score has dropped 25 points, from XXXX to XXXX. My XXXX score has dropped 17 points, from XXXX to XXXX. XXXX tells me that anything below 630 will probably disqualify me for the refi.

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 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
This complaint is in response to the company 's response from complaint number XXXX. 
I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response.

Company response to consumer: Closed with explanation