vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
A Debt Collection agency began to insistingly calling me from about three months ago. When I spoke with a representative, I informed him that I denied any debt and they should stop calling me. They continued calling and leaving messages on my answering machine. I called again and left a long message detailing my identity and prompted to denounce then if they did n't stop harassing me. On another occasion one of the agency 's employee tried to secure my address info by lying being needed by the XXXX company. Although I immediately hung-up the phone they continued to leave messages on my answering machine. At one point I began to doubt if this was a scam to get some vital info from me, since they always asked me to tell them my 4 last digits of my SS card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
My son XXXX XXXX XXXX XX/XX/XXXX was hospitalized a few months ago and my ex husband XXXX XXXX XXXX signed as the guarantor with his ss # for XXXX. Optimum Outcomes Inc has called me and harassed me for the debt when I explained they have my name and his address. In no way did I sign any papers taking responsibility. XXXX took him to the hospital and signed. I only was on the chart as emergency contact from his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
They keep calling me with a automated system so I asked who was calling and they would not tell me what or what they do just out sourcing. I have recordings and photos of my caller ID. I would not owe nothing within the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
An unknown person opened a landline account in XXXX with XXXX XXXX XXXX in 2003 under my maiden name. They in turn let the account go into collections. I never opened an account with XXXX XXXX XXXX. I was stationed in XXXX during this period. XXXX was happy to opened an account for this individual without verifying their identity. Now I have to pay for this collection and this damages my credit history. I called the collection company acting on their behalf, Convergent Outsourcing , Inc. about this matter. We told them over the phone that we did not open this account, we did not live in XXXX in 2003. I was in the military living in XXXX, XXXX. They told me that I still owed money because my maiden name was on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Management Resources
State: OK

Complaint narrative:
The collector sent a demand letter on XXXX XXXX, XXXX requesting payment for a utility bill. A response was sent on XXXX XXXX, XXXX requesting more information regarding the debt ( such as verification ), and there has been no response. Failure to respond with reasonable documentation is an abusive and unfair practice barred by 15 USC 1692. 
Failing to respond to a good faith attempt by a debtor to confirm the validity of a debt leaves a debtor in an confusing state of limbo where he is uncertain of what further actions to take. He is unable to determine if he should continue to attempt to resolve the alleged debt or assume it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Harvard collection company located in XXXX, has repeatedly refused to remove an inaccurate item from my credit report. The collection company has repeatedly attempted to make me pay for a medical bill that is not mine. I have sent them a certified letter demanding that they remove the inaccurate information from my credit file and requesting that they reinvestigate the debt in order for them to know that I did originate or have anything to do with the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
I settled the debt with XXXX XXXX Hospital through Works & Lentz for {$1400.00} which was paid on XXXX/XXXX/16. On XXXX/XXXX/16 I received a letter from the Oklahoma Insurance Department regarding my complaint against my insurance company at the time, XXXX. In that letter dated XXXX/XXXX/16 XXXX states that they have executed a letter of agreement with XXXX XXXX for payment of the claim. 

I contacted XXXX XXXX on XX/XX/XXXX to follow up and they stated that the claim was paid on XXXX/XXXX/16 in the amount of {$1500.00} and that I would have to contact Works & Lentz regarding the overpayment as the account is no longer with their office. 

I then contacted Works & Lentz on that same day, XXXX/XXXX/16 and spoke to XXXX who stated that my account has been XXXX out and that if a payment comes in they will have to issue the refund to me. She said that they had n't received a payment from XXXX XXXX yet. 

I called XXXX XXXX again on XXXX/XXXX/16 to find out when the payment was sent to Works & Lentz and was told by XXXX that the payment had been forwarded to Works & Lentz on XXXX/XXXX/16. I called Works & Lentz back and spoke to XXXX XXXX regarding the overpayment. She could n't find my account even after I provided the account number as if my account no longer existed. She said that she would send the information to management to review but that she could n't guarantee anyone would call me back. 

I am due a refund in the amount of {$1400.00} in a timely fashion but instead I am getting the run around from all involved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
XXXX fraudulently billed me for procedures that were not performed, agreed to by myself, or authorized by the XXXX. While we have demonstrated that we payed the quoted price for the procedure, XXXX committed an anticipatory breech in this billing. 
After multiple attempts to bully us into payment, they have once again submitted this to another collection effort, a year after our last settlement of issues. 
This is causing us stress, time, money and unnecessary distraction. I am uploading the documents that should settle this once and for all, but please be advised that my files are complete and intact if you require any additional evidence of " intentional fraudulent billing practices ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have mailed many letters! after about XXXX certified letters the collection agency did removed the negative items from my XXXX and XXXX! 
But CMRE refusal to remove the negative items off my XXXX and ceased all communication!

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 2016-04-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CFS2 Inc.
State: NC

Complaint narrative:
I disputed a CFS2 trade-line on XXXX of my credit reports. These were initially disputed on XXXX XXXX, XXXX to XXXX via certified mail and XXXX on XXXX XXXX, XXXX. Each of these were verified by CFS2. 

I subsequently received letters from CFS2 dated XXXX XXXX, XXXX and XXXX XXXX, XXXX stating they did not have the necessary information to verify my account and would need 60-90 days to do this. I disputed this trade-line again with both XXXX ( XXXX XXXX, XXXX ) & XXXX ( XXXX XXXX, XXXX ) and CFS2 verified both accounts again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have a mortgage with a servicer by the name of seterus, I just received a letter from an attorney claiming to be the attorney for fannie mae and seterus. I had requeste information regarding the hoa fees charged to my account. This attorney XXXX XXXX, has lied. He says they were not hoa fees, even though that is what is written on the statement. He says those are attorney fees for the attorney in some quiet title law suit. I have never received a letter from an attorney, and further that case didnt start until 5 months after these fees were charged. I want to know who the attorney on my loan truly is. I am being scammed out of my property and want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: CORELOGIC INC
State: TN

Complaint narrative:
Hi my name is XXXX XXXX and been trying to contact those company who put all of the credit inquiries on my report asking them for prove or any documentation that i authorize of those inquiry but it 's been more than 5 months and so may letters i send. and I can get any response from them please help me cause they were not answer for me and I hoop they answer for you either let them remove those inquiries or I supply the documentation that show that I requested of those Credit I need your help thank you so much. 

( note ) i sending you copy of some of thats letters me to them and letters they response I got from them to support my claim thank you so much again. and one of those companies does n't even exist because I have a return certified mail back to me telling me that they are not they do n't exist but they still show over my credit report as inquiry.

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 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Information should have dropped off 7 years from the date of XXXX delinquency, instead they are dropping only one month at a time. I submitted online XXXX have this corrected and never received a response or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Withing the last five days, my EQUIFAX credit scores dropped by over XXXX points in one fell swoop. I monitor all XXXX credit reporting bureaus via XXXX and other services. Neither XXXX or XXXX registered such a radical downgrading. I called EQUIFAX and spoke to an overseas representative who simply read old negative data entries without being willing to specifically share with this consumer what specific new item actually correlated to the double digit drop. In the past, I had to struggle with EQUIFAX over similar behavior. In every instance, they refused to go over the cause of any adverse action. This is unfair, arbitrary, and counter to consumer protection rules. I want the score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the removal of a disputed item per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 
This item ( confirmation # XXXX ) was originally disputed on XXXX/XXXX/XXXX. 

I called to notify Equifax of the fact that the dispute was still not closed on XXXX/XXXX/XXXX. It has been a YEAR and I did n't receive a response. My confirmation number for that complaint is XXXX. 
As of XXXX/XXXX/XXXX the dispute was still being listed as under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
A company informed me that I was eligible for loan discharge because the college that I graduated from closed, so I called Navient ( my loan holder ) because the other company wanted me to pay {$890.00} to help me. When I called Navient, they said that I am not eligible for any help. I explained that I have been making payments for 11 years now and have not even made a dent in my loans, and the woman on the phone said well you just have to keep paying on them. I asked if it was possible to get any kind of forgiveness or any help at all to pay them back because my degree is not usable because no one accepts my degree from XXXX. It is as if I never went to college at all, and after 11 years I am still drowning in the debt of a degree that is basically trash. I just wanted to find a way to make a dent in these payments and she did n't even want to deal with it. It is very frustrating to not be able to even get help from the company that holds my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax refuses to remove an account I disputed but notes the account as as a dispute with no removal. The account is not mine and Equifax is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Consumer XXXX placed a charge on my credit card for {$17.00}. I called them to determine why the charge was made. I spoke to XXXX folks, in XXXX and the US to try to determine why the charge was made. I was on the phone for over two hours and transferred around the globe. In the end, they suggested, I write a letter and provide copies of my credit card billing, which contains other personal information. They were not able to help me via a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting XXXX XXXX as an open delinquent account. This account should be closed and current. This account was paid off 5 years ago. Also Equifax is reporting XXXX XXXX as open past due. This account is also paid off. I have attached a copy of XXXX report that shows XXXX XXXX as closed current and Equifax report showing open delinquent. Please have Equifax to update their information on these XXXX accounts to report correctly. It is sad that this company ca n't seem to report anything right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with XXXX & Equifax advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on XXXX and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On or about XXXX XXXX, 2016 I contacted the Equifax CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter ( credit trade-line accounts ) and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " XXXX XXXX XXXX XXXX - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been notified multiple times by phone, fax and website via the dispute link of account ( s ) that are appearing on my credit report due to fraud. They have been provided law enforcement reports ( ie., police reports, FTC , etc. ), dispute letters and other supporting documentation to prove my identity. They have constantly failed to resolve the matter and furthermore investigate. The account ( s ) being disputed as fraud are : XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX Acct # XXXX ; XXXX Acct # XXXX, supporting documentation to support my claim has been provided to them. They state that " the information means nothing, if the creditor does n't respond they ca n't do anything. '' Time after time, I have disputed the account ( s ) and all the times, I receive a notice the following day stating " update, account remains. '' They are doing nothing to investigate nor help the consumer at all, that is my right as a consumer and their job as a data furnisher and/or credit bureau to investigate and rectify the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint is addressed to Equifax Credit Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number : XXXX, dated XX/XX/2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). Not ever receiving a credit report, Equifax denied online access for full report. Through an online free credit site, XXXX, report states XXXX as ( Collections ), updated XX/XX/2016. As to date, it has not been deleted. Equifax is the last of XXXX agencies to adhere to request by XXXX. 
If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C. s 1681. Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XXXX. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX, 2015 I informed Equifax that the judgment being reported on my credit file was vacated and should be deleted. I received a notice with the above confirmation number that Equifax will not delete it because it is accurate. I have supplied a copy of the docket report showing clearly where it states that the judgment was vacated on XXXX XXXX, 2015. Clearly this investigation is flawed, and/or there is questionable practices being made by Equifax. 
I am making this complaint pursuant to the FCRA, which states that : 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I get so many inquiries who was not required by me and I really need to get removed from all XXXX credits bureaus this inquiries is hurting my credit score and my ability to applied for anything.

Company response to consumer: Closed with explanation