vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 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: PA

Complaint narrative:
On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Sevice to Equifax, disputing inaccurate reporting of bankruptcy on my credit report. 
The letter was signed for by a representative of their company on XX/XX/XXXX. 
( See attached letter ) On XX/XX/XXXX and again on XX/XX/XXXX,  Equifax responded to my complaint and stated that the information was " verified. '' On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service, to Equifax requesting that the description of the procedure used to verify the accuracy and completeness of the information was hereby requested. Signed by a representative of their company on XX/XX/XXXX. 
( See attached letter ). 
On XX/XX/XXXX Equifax, once again sent the the identical letter as " verified, '' with no explanation of the verification procedures. Only stating that public record information is obtained through a third party vendor, XXXX XXXX. 
On XX/XX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service to Equifax once again, explaining to them that the Bankruptcy Court does not report to credit agencies, nor have a relationship with them. I included a letter, obtained by The Federal Bankruptcy Court. This was signed by a representative of their company on XX/XX/XXXX. 
As Equifax continues to report on my credit report, Chapter XXXX Bankruptcy, reported by XXXX Federal Bankruptcy XXXX-XXXX, XXXX XXXX XXXX XXXX, PA. 
( See attached letter ). 
On XX/XX/XXXX I personally called Equifax, and spoke with a representative, and told her about the numerous attempts that I have made to have this erroneous information removed were futile. She stated that I should submit an online dispute, which I did on XX/XX/XXXX. I again, included the letter from The Federal Bankruptcy Court, stating that they do not have a relationship, nor report to credit agencies. As the information listed on my credit report is listed as being reported by XXXX Federal Bankruptcy Court, XXXX, PA. 
On XX/XX/XXXX, Equifax once again " verified '' the information. 
On XX/XX/XXXX XXXX XXXX responded to my initial letter on XX/XX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
( See attached letter ). 
I am filing my complaint today in order to have Equifax remove this inaccuracy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC
State: WA

Complaint narrative:
Collection of a debt that has been paid since 2009. 

XXXX XXXX, no message left XXXX I called back at XXXX XXXX XX/XX/XXXX Spoke with lady and notified her of the situation after she explained she is trying to collect a debt on a XXXX  XXXX XXXX XXXX Charge-off, for over {$3000.00}. I explained that the debt is paid off since 2009 and I need to send a certified letter to her via physical address. My call dropped after I got just the city name. 

I called back and spoke with a different lady, who did not know who I previously to as " she is probably still notating the account ''. She verified my ID with last four of social security. I explained the situation to her as well and requested physical address for certified letter. She said " I 'm just an account rep, let me get you to an owner who can give you the information you need ''. I was put on hold for a couple of minutes. 

A XXXX XXXX answered from the complaints department. I asked if she was an owner and she said " No, but I can get you to one ''. I explained I was told it would be an owner, then explained yet again the situation. I asked for physical address she stated " Please hold while I can get some help with that ''. I held for a long time, probably over 5 minutes. It rang through to a rep again, being XXXX XXXX. She explained " the phone disconnected due to the long hold. Yes, let me get someone who can help with the physical address XXXX XXXX ''. I asked how she got that last name as they were calling for XXXX XXXX ( I never gave her XXXX, my legal last name ). She did not answer my question, nor did the following man. 

XXXX then answered. I explained again. He was more firm with me and offered a XXXX XXXX XXXX I informed him that " both the NY FTC and the attorneys I have worked with have advised physical address only for certified letter. The post office also requires it ''. XXXX rebuttled " Yes you can [ receive certified mail by XXXX XXXX ], we get them all the time. A little yellow card ''. I demanded again to get the physical address " So you are denying me the ability per federal law to send a certified letter of payoff to prevent you from illegally collecting on, or selling, this debt ''. He still denied so I demanded the XXXX XXXX which he provided very slowly. I then demanded a listed phone number. 

I informed him that I would be reporting D2 Management to the SEC and appropriate government agencies for denying to provide sufficient contact information for me to prove payoff. XXXX stated " Please do file. Please do ''. 

Conversation ended - 15 minute call during my work day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2017 someone fraudulently used my Debit Card Number and Pin at a Chase ATM and withdrew {$200.00}. That same night I noticed the withdrawal, after knowing I did not use an ATM that day, and immediately reported it to the Chase fraud department. After reviewing my case, Chase responded to me that it was not fraudulent activity, and gave me 3 reasons : They used my Pin, my Pin was used successfully the first time, the location was at a spot within reasonable distance from my work. 

I called back and escalated this issue, knowing I had been robbed and someone else had my account information. Still, Chase has decided to not refund my stolen money. After looking into the matter more, I asked a Chase representative to give me the timestamp of transactions for that day. I was advised that the ATM withdrawal was done at XXXX. I asked when my purchase at XXXX XXXX was made, and was told XXXX. After looking at the differences in time, it is absolutely impossible that I could get from the bank ATM where I was robbed to the XXXX XXXX location where I paid for lunch. This proves I had the card in my possession and it was not myself that withdrew the money. Still, Chase has refused to refund my stolen {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have had five medical debts that were once removed reappear on my XXXX credit report. When I disputed 3 of the 5 all which was from the same company XXXX XXXX were removed. The other two were not. I sent a certified letter to XXXX advising them that these were not my accounts and they were removed in the past. Also that in XXXX 2016 the accounts were under XXXX XXXX and were removed then once disputed as well. Then after that the accounts came back under XXXX XXXX which is another name that XXXX goes by and the accounts were deleted off my credit report and now for the third time same debt is back under a different name. I also stated to in the letter that XXXX XXXX is not licensed in the state of Florida ( which is where i reside ) to  be a collection agency. Also I asked for proof since XXXX and XXXX states this is my account. All I received back from XXXX was that the accounts were verified, I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
Call 20 times a day, I have told them they have the wrong number, I do not owe them money. Have asked not to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AFNI INC.
State: TX

Complaint narrative:
The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from XXXX XXXX XXXX. It is causing my other coworkers to be bothered and causing defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
WE XXXX XXXX XXXX HAD IN TOTAL ( 5 ) CHECKS THAT WERE CASHED AND ACCEPTED BY HUNTINGTON NATIONAL BANK. CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} CHECK # XXXX {$3200.00} AND CHECK # XXXX {$3200.00} # XXXX $ XXXXIN TOTAL {$19000.00}. THESE CHECKS WERE NOT WRITTEN NOR AUTHORIZED BY US. THE CHECKS ARE COUNTERFEIT AND CAN BE NOTICED JUST BY LOOKING AT THEM. WE XXXX XXXX XXXX NOTICED ALL THE ABOVE CHECKS WERE CASHED WITHOUT OUR KNOWLEDGE ON OR AROUND X/XX/2017. UPON NOTICING THESE CHECKS WE CONTACTED HUNTINGTON NATIONAL BANK AND ASKED WHY THESE CHECKS WERE NOT DENIED, JUST BY LOOKING AT THEM YOU CAN TELL ARE VERY OUT OF SINC AND COUNTERFIT. FOR ONE WE ALWAYS HAVE OUR PHONE NUMBER LISTED UNDER OUR ADDRESS AND WE ALWAYS HAVE SOMETHING WRITTEN IN THE MEMO BOX, AND THE CHECKS ARE OUT OF SEQUENCE AND THE AMOUNT IS WRITTEN WAY LARGER THAN ANYTHING ELSE. BOTTOM LINE IS THESE CHECKS ARE SO OBVIOUS TO THE EYE WE ARE DUMBFOUNDED THAT THESE WERE ACCEPTED BY HUNTINGTON BANK. AFTER WE CONTACTED THE BANK THEY SAID WE WILL GET RIGHT BACK TO YOU, IT TOOK THEM 2 WEEKS AND THEY FINALLY SAID CALL THE POLICE?? .... UPON CALLING THE POLICE THEY CAME TO OUR LOCATION AND SAID THIS IS A MATTER FOR FRAUD NOT STOLEN CHECKS. TO OUR BELIEF, HUNTINGTON SHOULD HAVE KNOWN THIS OR AT LEAST DIRECTED US. THEY NEVER SENT ANYONE OUT TO OUR LOCATION, NEVER ASKED FOR A MEETING, JUST KEPT PUTTING US OFF, ALL WE WANT IS OUR MONEY THAT WE FEEL WAS CRIMINALLY TAKEN FROM US. THIS COULD BE HAPPENING TO SOMEONE ELSE AS WE SPEAK AND FOR HUNTINGTON NOT TO GET ON TOP OF THIS IN A TIMELY MATTER IS GOING TO CAUSE THAT. A LADY CALLED US ON XX/XX/XXXX SAYING SHE RECEIVED A CHECK FROM US AND DID NOT FEEL COMFORTABLE CASHING IT. SHE SENT ME THE CHECK THEY SENT HER AND TOLD ME IT WAS A SCAM, SHE SAID SHE WAS LOOKING FOR A JOB AND THEY ( SOME COMPANY ) WAS GOING TO SEND HER A CHECK AND SHE NEEDED TO CASH IT AND SEND THEM {$2000.00} FOR HER SUPPLIES AND KEEP THE REST WHICH WOULD BE {$1400.00} SENT BACK TO THEM, THIS IS EVIDENCE THIS WAS ALL A SCAM. ALL WE ARE ASKING FOR OUR MONEY BACK TO OUR ACCOUNT WHICH SHOULD HAVE BEEN PROTECTED BY HUNTINGTON BANK. IF CAN NOT BE PROTECTED BY YOUR BANK WHO CAN WE TRUST TO BE PROTECED BY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
My friend and co-worker XXXX XXXX, asked me to co-sign for a car loan. After agreeing to co-sign and providing him my personal information, he advised the loan was denied. Later I saw him driving a car which he then said was purchased by my self and his brother as his co-signers. I had never signed any papers and when I told him that he just brushed it off. 3 weeks ago I received a call from XXXX XXXX XXXX who introduced herself as My co-workers friend who was also on this loan and whom also never signed any papers. She was able to obtain a copy of the bill of sale and it appears that she is the primary and I am the secondary. XXXX XXXX is not on the loan. The signatures on the loan are not ours. A police report ( XXXX ) was filed. We spoke to XXXX XXXX, the GM at XXXX XXXX where the purchase was made as well as Ally Financial who owns the lean. We do not know where XXXX XXXX or the car is. The last conversation we had with him by phone in early XXXX 2017, he said he would turn in the car. That never happened.

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 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from AT & T. It is causing my other coworkers to be bothered and causing defamation of my character.

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 2017-10-30 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 — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NY

Complaint narrative:
Sent letter with attached application, copy of passport and utility bill to LexisNexis/XXXX over four weeks ago asking for annual disclosure. I called on XX/XX/XXXX to ask for the status of my disclosure. They only acknowledge receiving it on XX/XX/XXXX with no other information as to what is taking so long. I was told a " ticket '' would be put in for more information. 

They claim it was sent out on XX/XX/XXXX. No report has come in the mail yet. 

LexisNexis has a history of failing to send reports, taking a long time to process requests and ignoring complains from me. 

See previous complains : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I learned from my identity theft protection service ( XXXX ), of a collections attempt on my credit report. I reviewed the collections attempt. The business responsible for the attempt was XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The amount of collections was for {$25.00}. I immediately called the business at XXXX. I learned this collections was from XX/XX/XXXX when my ex-wife took my child to XXXX XXXX XXXX ( XXXX ). I immediately paid the amount and contacted XXXX and learned my son was seen XX/XX/XXXX to XX/XX/XXXX and there was an outstanding balance with XXXX. I paid the entire balance of {$390.00}. I learned my ex-wife but me down as the guarantor for XXXX. I also learned from XXXX all of the billing information was directed towards my ex-wife 's residence and my address was not on any of the paperwork. I was only listed as the guarantor and my social security number was provided. I disputed the collections with XXXX. Within 1 business day, XXXX agreed with my complaint and removed the collections from my credit report. I further disputed the collection with Equifax. Within 3 business days, Equifax responded by saying " The results are we verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact XXXX XXXX XXXX '' My complaint to XXXX and Equifax was " Unaware ex-wife put my name down as the guarantor in regards to my child 's doctor visits. Bill has been paid in full. '' XXXX understood my complaint and quickly resolved the issue. Equifax is being difficult in this matter. I had no knowledge of these doctors visits. When I became aware of the collections, I immediately contact the business and paid the outstanding balance. I further contacted XXXX and paid the entire amount. My ex-wife using my information will be handled in a different forum. I pride myself on perfect credit and Equifax is being difficult and not understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Glasser and Glasser, PLC
State: DC

Complaint narrative:
In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to XXXX my difficulties. In XX/XX/XXXX I  explained to XXXX that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, XXXX repossessed my vehicle on the XXXX. After a few months, XXXX contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the XXXX account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX and XXXX called, stating they had the XXXX account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for XXXX. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with XXXX had been dismissed and closed. This is when the payments stopped. I noticed XXXX on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows XXXX balance due $ XXXX. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. XXXX 's collection attorney 's have lied to me, forged my signature, and XXXX is a huge part of this. XXXX and XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has XXXX contacted me with an answer. I searched the Better Business Bureau and found similar issues with XXXX XXXX as well as XXXX and XXXX. I also searched your consumer search and found that XXXX was sued for discrimination against XXXX Americans, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing XXXX, XXXX and XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, Mr. Cooper ( Nationstar ) indicated that foreclosure proceedings would not begin until XX/XX/XXXX ; they referred the property for foreclosure on XX/XX/XXXX ( the attorney 's office did not receive the file until XX/XX/XXXX ). On the morning of XX/XX/XXXX, the FULL reinstatement payment was ready to be made and Mr. Cooper refused the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX transitioned loans to XXXX for all my loans. Where I had paid half my principle, XXXX never reflected any payment balance and refused to acknowledge previous Loan payment history the dept of education could clearly see. XXXX also changed my payments to interest only without my approval. I confronted them through the dept of education ombudsman who advised to reorganize back through dept of ed, find a new lender or settle/work with XXXX. XXXX requested $ XXXX. They refused to negotiate or accept payments were made from XXXX XXXX or AES, nor did they ever prove I accepted interest only and refused to make changes to my loan. I found a XXXX party, XXXX XXXX, changed to XXXX, who made an agreement where I pay them to file my loan forgiveness for XXXX ( former XXXX and XXXX ) loans, put the loan into forebearance while being processed and deal with Navient. I have executed documents on XXXX. They took my money and never processed, so XXXX defaulted, knowing the document was being processed with dept of ed. PHEAA took the loan at full value, refused to accept payment history and added $ XXXX for processing fee, knowing full well the were negligent and demanded full payment and ruined my credit. I request PHEAA be investigated. They declared I owe them over $ 100k. They refused to accept payment history dept of ed and AES see in my loan records. I told them in writing and their collections call my family nonstop. I plan to renegotiate under the dept of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems
State: AZ

Complaint narrative:
Commercial Recovery Systems , Inc. 
Contacted me XX/XX/17 from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by XXXX XXXX, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.

Company response to consumer: Untimely response