vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
I applied to Better Mortgage to refinance my mortgage back in XX/XX/2020. The appraisal that was conducted was incomplete and way lower than market value. Better has promised multiple times over the last 4 months that they would refund the appraisal amount fee of {$550.00}. I never received this refund. I have attached the very long email thread that shows Better.com promised the refund of {$550.00}. I have also attached a screen shot of the {$550.00} charge to my master card back on XX/XX/2020. I have yet to receive the refund for the appraisal fee. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Sequium Asset Solutions is in violation of federal law. In my initial letter on XX/XX/XXXX requesting verification of the alleged debt they have placed on my consumer report, I stated " ASIDE FROM PROVIDING WRITTEN VERIFICATION OF THIS DEBT, do not contact me about this debt. The Fair Debt Collection Practices Act requires that you honor this request. '' In the letter, I also request that they cease reporting the account to credit agencies until after they have verified it, per federal law. 
On XX/XX/XXXX, I received another of many harassing phone calls from Sequium Asset Solutions. In response, I informed the representative that I have sent a letter requesting verification of the alleged debt, and demanded that Sequium Asset Solutions stop calling and contacting me about the debt until they have sent written verification. This is in keeping with the Fair Debt Collection Practicies Act, which states that upon the consumers request for verification, a collector must stop ALL collection activity until they verified it.

As of XXXX, Seqium Asset Solutions NEVER responded to this request, which is a violation of the Fair Debt Collection Practices Act. On XX/XX/XXXX, in response to my complaint to the Consumer Financial Protection Bureau, representative XXXX XXXX from the Corporate Compliance Office LIED in her statement that this account has been closed due to a cease and desist order. As a corporate compliance officer should know, asking not to be contacted until verification has been sent is not a cease and desist order. 
The likely reason that a cease and desist order that I DID NOT IMPOSE has closed my account, rather than providing the requested verification of the debt is because NO SUCH DEBT VERIFICATION EXISTS. In a sloppy effort to conceal the fact that they are knowingly collecting debt that has not been verified, Sequium imposed a cease and desist on my account to escape their legal responsibility for procuring verifiable documentation. Sequium Asset Solutions has been FRADULENTLY collecting on and alleged debt that I do not owe. I will also be submitting a complaint with the federal trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: RI

Complaint narrative:
ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 4 collections for the last few years. 

1.Account # XXXX for {$990.00} 2.Account # XXXX for {$940.00} 3.Account # XXXX for {$1500.00} 4.Account # XXXX for {$860.00} The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXX, and was able to get them removed from my credit report later last year due to them not being able to verify the debt. Unfortunately they were reinserted without notice or verification. This last dispute was the final straw. As they continued to send me no proper verification. These charges are currently on my XXXX and XXXX but not on XXXX. Its been a mess.

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Received by mail 2 Visa debit cards for a Chase account I did not open. When I called ( XX/XX/21 ) to close the account I was asked to provide full SS number which I did not want to do over phone. I will try to close account at a Chase branch later today or tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: AZ

Complaint narrative:
Someone please help! I have reached out to equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldnt tell me anything over the phone. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
I was served papers that I was being sued by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The only papers that I received was that I was being sued. I had no idea who the original creditor was. On XX/XX/XXXX I went to court in XXXX, PA at the Magisterial level. I was confused and not sure of why I was being sued. After XXXX XXXX XXXX XXXX attorney showed up ( a woman, I am unsure of her name because it was supposed to be XXXX XXXX, or XXXX XXXX that was representing XXXX XXXX XXXX XXXX, through Patenaude and Felix ), she showed me that the debt was through XXXX XXXXXXXX XXXX. I stated that I was positive that the debt was paid and was not sure the reason why I was being sued for the debt. The debt that the attorney showed me, {$2800.00}, was different than the highest amount of debt ever on my credit report for XXXX {$2700.00}, I was not able to prove that the debt was paid off already because I did not know what I was being sued for, before going into the courtroom. The XXXX found me guilty because I could not prove my case. I then went home and looked at and printed out my credit report. My credit report shows that my XXXX XXXX was reported stolen in XXXX, that the card was closed, and that there is no missed payments on that card. I filed an appeal as soon as I got all of that information together. I have been trying to contact someone in either XXXX XXXX XXXX XXXX or Patenaude and Felix to take the false information off of my PA docket information, willing to show proof of the card being paid and closed on my credit report, but they will not give me any information or papers to prove that the account was bought fraudulently on their end and that my account has been satisfied since XXXX. I am trying to buy a house and they are holding the entire process up, and there is a huge possibility I could lose the house because of these false records. Everything that they have about the account is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a solicitation email from Experian to transfer my {$7900.00} balance to another credit card " see your matches. '' I became concerned because my credit card balances total approximately {$4300.00}. 

I attempted to contact Experian and the representative ( not residing in the USA ) asked for my name, social security number and date of birth. The Experian web site states at the top of the contact, " To protect the private nature of your personal information, please do not share any personally identifiable information via chat. This includes information such as name, SSN, address, or any other uniquely identifiable information. '' Therefore, my complaint involves two things. Non US citizens asking for my PII and two I can not verify whether or not someone has opened another card in my name without divulging PII to someone to get to the bottom of this! 

I signed up for credit monitoring with Experian some time ago.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2021-03-09 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have sent letters on four separate occasions including ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without any response in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of Walla Walla
State: WA

Complaint narrative:
Several months ago those companies sent me a demand for payment, generic letter. I sent them a debt verification letter asking them to verify the debt provide me with the information they need to provide, and asking them to only communicate with me by mail. They responded with a random page from an attorney saying I owe money, but no additional details that I had requested or any information of me agreeing to pay the debt. They began fraudulently reporting this debt on my credit report, so I sent them another letter requesting the same information, to verify the debt and to only communicate in writing. Now they are calling me. And not communicating in writing as instructed.

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 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
From XX/XX/XXXX I leased a vehicle from KIA dealership and returned it back on XX/XX/XXXX and exchanged into new one. Made 19 months payment in amount of {$510.00} towards the previous vehicle on time and account should had closed by KIA dealership on XX/XX/XXXX. However, KIA Financial Ser is still making me responsible for the rest of amount XXXX which should have already paid off by KIA dealership as of XX/XX/XXXX, but it seems to me the account is not closed because KIA Fin Ser is keep calling me and ruining my credit scores drastically while I am paying for new vehicle leased from KIA. Is this the way KIA and Dealership are treating their customers by placing them at risk and ruining their credit scores? When I call to dealership they are not responding appropriately or hanging up on me, saying that previous account is closed and paid off by check which they had already released to KIA Fin Ser, but KIA Fin Ser is keep calling me. A member of account specialist from KIA telling me having the dealership manager/supervisor should contact the KIA Fin Cer but he is ignoring me saying " he doesn't anything to call them '' because released a check to close the account, if so why they playing around. Due to being irresponsibility of both parties my Credit Score is being ruined and effecting to my life during the pandemic 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 explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
The company XXXX XXXX XXXX illegally reported to credit report agencies that I owe them money. The collection agency, XXXX, has refused to produce any documentation that substantiates their claims against me. Upon contact with XXXX, they responded with litigation unless the account is payed When prompted why they are targeting an uninvolved party they responded that spousal attachment justifies their actions. However, I am unable to find reference to such a legal theory anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
On XXXX I received a call from Quicken Loans at around XXXX XXXX. I was in an appointment in did not answer. The person left a message with just their name and phone number no other information I didn't call back as I was in a meeting 10 minutes later I received a second call from quicken loans. I answered the call because they are my current mortgage company and I was concerned there might be an issue instead I was bombarded by questions from a sales rap at which point in time I ended my conversation with him stating I didn't have time and I was an appointment .Later that evening I spoke to my husband to find out that in between those 2 calls the man called my husband twice as well. My husband informed me that in his conversation he told the gentleman he would have to speak with me about any refinancing and that he was going to send my husband attacks with the details My husband didn't get that text. Add around XXXX o'clock that evening I received an email stating that my credit had been ran I went to see who had made an inquiry and was shocked to see that it was quicken loans. Upon getting this information I called quicken loans immediately to dispute this and spoke to 5 people during this time. The manager stated he had to investigate and listen to the recordings. He spoke to both me and my husband that night. The next day I received an email from the sales rap stating that my next step was to have my credit report ranAnd that this was an easy step in the process. I immediately forwarded this email to quicken loans complaint department who added the manager I spoke to on Friday evening. I received another email from the sales rep on Sunday and then on Monday of which I forwarded these to the manager. At no time did my husband or I state that we were interested in refinancing or give permission to have our credit ram. I have filed a complaint with XXXX CO which is who they used to have the credit ran I have filed a complaint with XXXX XXXX And experienced. I am concerned with the practicesOf quicken loans they do not appear to care about their current customers and only are interested In new sales. What they did here reminds me of the reports I saw in regards to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems , LLC has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off in XX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for XXXX, I have never had any service of any kind with XXXX. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.

Company response to consumer: Closed with explanation