vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-15 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
Dynamic Recovery Solutions of XX/XX/XXXX, SC has been attempting to collect a debt from me since XX/XX/XXXX. I disputed the debt in XX/XX/XXXX, and shortly thereafter requested that they cease contact with me. They resumed near daily contact win XX/XX/XXXX. I again requested that they not contact me. This week I have received a mailing and two phone calls from Dynamic Recovery Solutions. I do not wish to be contacted again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Sent validation letter to validate the debt. Have not recieved anything cept it was valid with no kida proof. Futhermore. Will take legal actions if not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: CA

Complaint narrative:
I am employed by XXXX and have been employed for 8 months. At the beginning of my employment I passed all the background screenings and have been employed for 8 months, all of a sudden I received an adverse action email from XXXX stating that my background check from their background company showed two outstanding XXXX. I questioned this with them because I have been employed 8 months and already passed the background. 
Upon dealing with Checkr, who is the company XXXX uses for these screenings, I did find out about two XXXX in XXXX XXXX AZ. Case # XXXX from XX/XX/1998. This is very old and was not accessed when I first applied so I do not understand why they can use this against me at this time and barr my employment. 
I have contacted the court and set-up a payment contract with them and they will be removing the XXXX but I am not sure if I will be getting my employment back. So I have a couple questions : Why is these XXXX not off my report due to length of time passed Why after 8 months of employment did they have the right to rerun my background and provide new information when I did not agree to any new background checks. 
I have provided Checkr with all the information that the court has provided me but they have not cleared this report, which the court said would be immediatley cleared asap and XXXX lifted when payment contract was started I want to make sure I am able to go back to work and I want to know if XXXX and Checkr are allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested.

I then called today (XX/XX/XXXX ) and spoke to three different people who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX XXXX perform a teeth cleaning. They told me the insurance will cover it. Then all the sudden I received from a debt collector {$870.00} dolls to collect. If I dont pay that will report me to credit union.  XXXX XXXX XXXX report it that I owe that money. I call them and they told me to give sensitive information. Assists social security number date. Then they try to enroll me to their credit union for a fee to protect me. All is a host and they have hurt my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: MO

Complaint narrative:
On Saturday XX/XX/XXXX, I signed an agreement to purchase a used XXXX XXXX XXXX at a purchase price of {$10000.00}, with a rebate of {$2700.00}, plus a down payment of {$400.00} which would make a balance to be financed of {$7600.00}. I received my first payment invoice on Thursday, XX/XX/XXXX, indicating my first payment of {$350.00} would be due on XX/XX/XXXX. After reading further I noticed a balance of {$13000.00}. I never received a copy of the Retail installment contract and security agreement. I recall being told that the purchase amount would be financed at XXXX percent for 36 months. After reading that {$13000.00}, as the balance, I further learned that {$350.00} was for 72 months, not 36. I would not have agreed to that. I would be paying over {$25000.00} for this vehicle. I can't seem to get anything done with the dealership or Volkswagen credit. Please help me resolve this matter. I'm not paying {$350.00} for 6 years. 36 months is reasonable. Please assist me in getting this straightened out before my first payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet student loans servicer is reporting my loans increases interest while in deferment in red to appear as a negative then right under them in red they are reporting my student loans in blue to look as if I have loans than what is actually. 

They did this just in XXXX or XXXX. When I filed a complaint they removed all of my loans in red. Now they have replaced them in XXXX, XXXX. 
I have had these loans since XXXX and XXXX had they reported my loans in red for each time interest is applied to my balances while in deferment until XXXX and XXXX. 

I believe Nelnet is purposely placing the list of my outstanding loans in red and blue to make my creditworthiness damaging and make me look like I have 100 loans when thats not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
ON XX/XX/XXXX I RECEIVED AN ALERT STATING CONVERGENT OUTSOURCING ADDED A COLLECTION TO MY CREDIT REPORT FOR XXXX. I SPOKE TO XXXX AND XXXX AT XXXX. BOTH STATED THAT THEY RECEIVED THIS ACCOUNT XX/XX/XXXX FROM THE ORIGINAL CREDITOR XXXX  XXXX XXXX. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY. THIS ACCOUNT WAS REMOVED FROM MY CREDIT REPORT BY ORIGINAL CREDITOR XXXX XXXX   IN XXXX AFTER CREDIT REPORTING TIME OF 7 YEARS FROM 1ST DATE OF DELINQUENCY XX/XX/XXXX PASSED. I NEVER RECEIVED ANY CORRESPONDENCE FROM THIS COMPANY PRIOR TO THIS ACCOUNT BEING ADDED TO MY CREDIT REPORT. THE DATE OF DEFAULT XXXX TOLD ME OF XX/XX/XXXX IS DIFFERENT FROM WHAT IS BEING REPORTED TO THE CREDIT BUREAU OF XX/XX/XXXX. THIS ACCOUNT IS BEYOND STATUE OF LIMITATION IN MICHIGAN OF 6 YEARS AND CREDIT REPORTING TIME OF 7 YEARS. ALSO CONVERGENT OUTSOURCING INC IS NOT LICENSED TO COLLECT IN THE STATE OF MICHIGAN.

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 2019-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
As of XX/XX/2018 Synchrony Bank/XXXX XXXX Credit card was closed. I wasnt informed of this action from the company intil a month later. When I received notication from my credit monitoring service. I called the company and the representative stated that the company had pulled my credit report ( this was done without my consent ) and decided to close my account because I wasnt using the card and because my credit score had decreased. This is a furniture card. It is not customary for people to make major purchases for furniture often. Also, I had never been late paying any payments on this account and I paid off my balance earlly. I had a XXXX balance. I just think thats its unfair to close an account held by a good paying customer due to the response they listed. This account closure has significant affected my overall credit score because by loosing this account it increased my overall credit card useage. Its not right for a company to try, for no reason, to put a person in financial distress.

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 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XX/XX/2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website.

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is Experian. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.

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 2019-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am having problem with XXXX Credit Bureau and Transunion I sent so many letter and XXXX send me the result and the stuff was remove and those XXXXwo credit bureau refuse to remove all I am getting from XXXX verified updated and meanwhile XXXX is deleted/ removed them from my report XXXX XXXX XXXX XXXX was removed from my XXXX account but still showing three time same thing on my Transunion and XXXX credit report and they refuse to remove it please update it between XXXX on XX/XX/2019 and XXXX XXXX XXXX was removed also from my XXXX credit report and XXXX   and Transunion still have it in the system please remove it was removed from between XXXX on XX/XX/2019 and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX was removed XXXX XXXX XXXX was removed ( XXXX XXXXXXXX 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 2019-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Midwest Service Bureau contacted me by telephone during work hours on XX/XX/19 with regard to a debt they claimed I owed to XXXX XXXX of XXXX   County. Approximately one year ago, I contacted XXXX XXXX   directly regarding this same debt, and XXXX XXXX agreed to accept a smaller amount made in payments, nullifying Midwests claim to my debt. As those payments had been made in full several months ago, it is clear that Midwest Service Bureau made no effort to verify whether or not the debt was valid before contacting me. It is a matter of public record that Midwest Service Bureaus practices have led to multiple lawsuits and formal complaints in the past, including other attempts at collecting non-existent shadow debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 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: TN

Complaint narrative:
For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.

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 2019-02-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am an XXXX year old widow forced into bankruptcy. XXXX  XXXX ( XXXX, TX ) is a reverse mortgage lender that claims I now owe them {$250000.00}. I've attached their latest invoice, showing the amount, loan number, my name and address. They have charged me outrageous amounts without proper explanation. I have asked for supporting evidence for all of its charges, including signed proof of the original mortgage, the mortgage agreement terms, and settlement documents to support their claim of all amounts it claims I owe. They have been either unwilling or unable to provide me with such proof. I now risk losing my home of over 40 years. 

I was never given an account to draw from but I paid for major and minor repair items out of my own funds ( sewer line, furnace replacement, etc. ) When XXXX claimed I was not making required monthly payments, it took funds from an account of which I was unaware and began charging additional interest based upon their own withdrawals. XXXX also claims I owe fees for home inspections of which I was never aware nor was I informed. CFPB, please I need your help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was on an income based repayment plan. Got an email saying forbearance was a better option for my situation. It was not. Now I'm paying way more in interest than I otherwise would have without it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was robbed and assaulted in XX/XX/XXXX and bank of america has not returned the fraud money of {$830.00} XXXX after the police have caught the suspect and investigation has been filed they have constantly lost paperwork and been =grossly incompantant. Theh have never contacted the detective or the district attorney who's numbers were provided in XX/XX/XXXX they never checked the cameras and have constantly made excuses.

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 monetary relief
Consumer complaint received 2019-02-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Select Portfolio Servicing, Inc. ( SPS ) has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX XXXX XXXX Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX 's estate, I am requiring the claimant to present proof by affidavit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2019-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
A Law Corporation : Patenaude and Felix from XXXX XXXX, CA, www.pandf.us, sent a collection letter to relatives around XX/XX/XXXX. The letter alleges {$5300.00} is owed on a XXXX XXXX credit card closed XX/XX/XXXX. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in XX/XX/XXXX. It is now almost 15-20 years later and the new collection corporation Patenaude and Felix is attempting to collect on a debt that is no longer owed, and not valid, completely unlawful. In addition, the letter was sent to relatives to their XXXX XXXX which I  have never used.

Company response to consumer: Closed with explanation