vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Focus Receivable Management placed a collection on my credit on the behalf of XXXX. I filed a CFPB report and the company ( Sequim ) asked me to contact them directly. I did not email them as I do not feel comfortable providing my social to a third party. The response from the company was to call XXXX XXXX. I have made multiple attempts to call Ms. XXXX and every time I call it goes to voice mail and her box is full. I have made a video recording of me calling and having to deal with not being able to leave a message. At this point, I feel the company just answered the way they did so I would pay something because they placed it on my credit without any mail or call. I am at lost on how to get this remedy at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received a collection letter from National Credit Systems without debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
The information that you indicated in my credit report I already demanded a proof of how you dealt with this. Again, you can not prove any of the information mentioned in the past credit report data that I contested with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm being brief but my credit score has drastic changes in the negative direction but is extremely slow to recover. In most if not all cases I pay several times the minimum bal due and always on time. Most recent a 60 Pt. drop and the reason is a XXXX increase bal. on a XXXX card that is the whole bal on the card. In addition I just paid XXXX on that card to bring that down well below XXXX it is a new card as well I just paid XXXX on XXXX XXXX and XXXX on XXXX XXXX  ..dropped my bal days ago by XXXX!!! so they crank it down to slowly bring it up again always keeping me at a higher rate..point is MY CREDIT IS FINE.. WHY AM I BEING TARGETED TO HAVE A MARGINAL CREDIT SCORE AND THE AGENCYS ARE REPORTING INACURATLY!! WHO ARE THESE PEOPLE!! now I have called before only to be told I need a credit counselor with a very rude reply. there is no way a persons credit can drop so fast. IF the agency report inaccurately what can be done. I worked hard on keeping my score good and this is just a bunch of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
On XXXX XXXX I received via mail that my loan from Dovenmuehle was being transferred to XXXXXXXX XXXX  on XX/XX/XXXX. My next payment is due on XX/XX/XXXX and I was to send my New payment to : Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX. At the end of the letter there is a bogus date of XX/XX/XXXX, so somehow it took 14 calendar days to reach me in the mail. I was instructed to send my payment due on XX/XX/XXXX to my new processor and there is no instruction on who I should make the payment out to. The address doesn't even have a company name associated with the address. I logged into my Dovenmuehle online account and there is no notice in there letting me know my loan has been transferred. Also the new loan provider XXXXXXXX XXXX  has sent me zero information about where to send my payments. I made a payment to my old service provider Dovenmuehle on XX/XX/XXXX so I can avoid any late fees with the new provider. Even if I were to send a check in the mail the day I got this notice I doubt it would make it to the new loan servicer by the due date of XXXX XXXXXXXX, XXXX. I'm sure there is a grace period with loan transfers, but this is ridiculous that I have to jump through a bunch of hoops to figure out where I make my new payments. Tried signing up on the XXXXXXXX XXXX for online services and it says my account isn't eligible. So I get a notice that my loan has been transferred, but I was not provided who I make a new payment out to and all I'm given is to send it to Cash Processing ... ... XXXX? At first I would think scam but my current loan servicer shows my automatic payments are shut off so I going to assume the transfer is in progress. Only thing I can figure is my current loan ( XXXX ) servicer does this every year right before Taxes are due to the county you're in so they can hold onto your escrow funds for as long as they can to earn interest on those funds before sending them to the new loan servicer. My loan was sold to Dovenmuehle in XXXX XXXX and they sold it again in XX/XX/XXXX ... .why do I have to go through all this effort just to pay my mortgage????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
From my understanding under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) : 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 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I overpaid the credit card {$9000.00} last XXXX. The account was restricted by Capital One. The case number is XXXX. 

I understand Capital One has fraud concern about these payments. I tried my best to work with Capital One to prove the payment was real, not from fraud transactions. I gave Capital One the statement from where the payment comes from, and did four-way calls to validate the owners of the accounts. 

Last week, Capital One said my account restriction was removed, and I'm asking the refund check from Capital One. They said they will work on it. I never heard back from them again. 

This week, I called again to Capital One, I was told the account was restricted again. The customer service told me I provided all the information Capital One needs, and they were still trying to remove my restriction. I'm so confused about the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, Im reaching because i cant seem to find anyone who can help me with this reporting. Back in 2019 i placed a business check in my account i had no idea that this check was bad check. When i heard, I reached out to the nearest branch also spoke the Bank of America " Risk Department '' and No one seems to be able to help get this removed off of my account. I own a XXXXXXXX XXXX  but I'm not allowed to open a XXXX  account because of this fraud alert. Im not able apply for funding, Properly file taxes or open any type of checking account because of this fraud alert. Im asking whoever handles this case to please take into consideration that I'm a young XXXX XXXX during the pandemic thats trying to get ahead. This one single alert is holding my life. So I'm asking since the status was changed to reflect no balance owed can you please remove this fraud alert of of my consumer report. I understand that this was verified as accurate but i cant move forward with my life this is causing me great financial loss. Thank you!

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 2021-01-29 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: TN

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/2020 my wallet was taken out of my purse at the Grocery store. My purse was in the child seat of the shopping cart, open as I was pulling out coupons. My back was turned while reading fine print on spices. I discovered the wallet gone when shortly thereafter when checking out. I called the 1800 discover number and told them my card was stolen. I asked that they close the account but they said I had to send them some code. I drove home from the XXXXXXXX XXXX and completed their request. I could not understand how one could have {$500.00} groceries in a cart, but was told gift cards had been purchased. Later I filed a police report and after charges came in from the Discovercard and the XXXX card, I updated the report with the XXXX Police. I was told back in XXXX by one of the store assistant managers that two thefts had occurred that day in the store on the cameras. By the time the police investigated because I did not know final total amount stolen till appeared on statement ( which I then sent copies to police ), I'm to understand they were told the video no longer existed. Over the three months, I have sent Discover the police report and answered all their letters and calls. I have been papered to death by them with papers that have fine print that I have to use a magnifying glass. Today they called and said they were not covering the fraud charges because I had shopped at the XXXX XXXX ( XXXX ) before. XXXX is not a big town and we have one big box store for each vendor, and this is the XXXX XXXX down my street. They are now saying I owe $ XXXX, and I reminded the caller that the government put a restriction on credit card fraud charges of {$50.00}. The Discovercard fraud spokesperson said that the law did not exist. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: IL

Complaint narrative:
I want to bring to your attention a great injustice done to me by my mortgage company Loancare LLC ( actually XXXX ) by reporting me to Credit Birou with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX , my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted Loancare for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX . 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with Loancare on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider Loancare beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!!

Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number 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 2021-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Ive been making payments faithfully for 3 years now to Navient. We have 2 loans through them and have been told multiple times that they can not combine accounts to make payment easier. 

At any rate, they have been sending bills and getting payment for the above duration. Again, 2 different bills. This month is the first time we have missed a payment on accident due to only paying one bill. I think we were 15-16 days late. I got no email, repeat bill via mail or call. I didnt even get a fee charged for being late. 

They called my mother 2-3 times a day looking for me over {$63.00}. Are you kidding me?!?! This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: IN

Complaint narrative:
I received ( in my daughters name ) a collection notice for a bill from two years ago from XXXX XXXX. We have never seen a bill from this company nor has our insurance been billed. Now, our insurance company has changed at my husbands work, and this will probably effect my daughters student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accelerated Financial Solutions, LLC
State: GA

Complaint narrative:
ACCELERATED FINANCIAL placed negative information on my credit without notifying me first, in writing, That i had time to dispute this very old debt. 
no warnings. 
They illegally re-aged this account to 2020 and mustve added extra fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, from my understanding under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm being brief but my credit score has drastic changes in the negative direction but is extremely slow to recover. In most if not all cases I pay several times the minimum bal due and always on time. Most recent a 60 Pt. drop and the reason is a XXXX increase bal. on a XXXX card that is the whole bal on the card. In addition I just paid XXXX on that card to bring that down well below XXXX it is a new card as well I just paid XXXX on XXXX XXXX and XXXX on XXXX XXXX  ..dropped my bal days ago by XXXX!!! so they crank it down to slowly bring it up again always keeping me at a higher rate..point is MY CREDIT IS FINE.. WHY AM I BEING TARGETED TO HAVE A MARGINAL CREDIT SCORE AND THE AGENCYS ARE REPORTING INACURATLY!! WHO ARE THESE PEOPLE!! now I have called before only to be told I need a credit counselor with a very rude reply. there is no way a persons credit can drop so fast. IF the agency report inaccurately what can be done. I worked hard on keeping my score good and this is just a bunch of 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 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: LA

Complaint narrative:
on XX/XX/XXXX, I tried to make a purchase using my cash app card and my card was declined. I contacted cash app support to find out why my card was declined and while I was on the phone with cash app support they removed {$2100.00} from my cash app account and money from my personal bank account that was attached to the cash app card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Today i received phone call from Rush Curtis & Associates collection company about my medical bill, which is I went to XXXX XXXX XXXX room on XX/XX/2020. At that time I didn't have health insurance and i left all my information SSN, DL, home address. Few days later i talked several times person who helping financial advise for patient, but she told me that XXXX XXXX XXXX will send my bill. Since XX/XX/2020 I haven't received any mail through my mailing address. Until today 's phone call from debt collection company, I didn't know about this medical bill that already sent to the collection company. 
This was the first time, the collection company called me about medical bill ( I didn't receive any email, mail and phone call before these phone calls ). The collection company said that If I don't pay {$8000.00} medical bill today, they are gon na report to the my credit history. I am wondering that why they didn't let me know anything until today and suddenly they are threatening me to pay {$8000.00} bill. 
After the phone call, I found out that my address was wrong. I already provided right address and right information. If I received my medical bill through my right mail address, I obviously pay {$8000.00} before it went to the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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:
Good Evening, My query is with Equifax Credit Reporting Agency. I feel my file have not being handle according to FCRA. I am victim of identity theft, in which I have presented Equifax with police report, FTC identity report, theft affidavit etc.I was told by Equifax fraud department accounts would be blocked after filing identity theft report. However, several years have past, accounts have re-appeared on my file.Consumer Reporting Agencies bear grave responsibilities to ensure accuracy of the accounts they report on their files, responsibilities must consist of something more than merely parroting information received from other sources. Both Equifax and Creditors are well aware of my incident pertaining to identity theft. " Re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) .Equifax have ignored my request to provide me with the documents that they have in there files that were used to verify the fraudulent accounts, which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to PROMPTLY DELETE all information which can not be verified. Equifax also failed to notify me 5 days prior to reinsertion of the following accounts as per FCRA. I Did open these accounts, I have provided Equifax with my documents. I have not receive any proof that the alleged accounts listed in this complaint are in fact belongs to me.

Company response to consumer: Closed with explanation