vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a collection account listed on my report that the company that was initially reporting has removed from one bureau but the other two bureaus refuse to remove the incorrect reporting. I have continually asked for verification of the debt but it has repeatedly not been furnished. The name of the company is XXXX XXXX. 

The two bureaus that I am submitting a complaint about are Transunion and 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 2020-02-14 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: PA

Complaint narrative:
I have a collection account listed on my report that the company that was initially reporting has removed from one bureau but the other two bureaus refuse to remove the incorrect reporting. I have continually asked for verification of the debt but it has repeatedly not been furnished. The name of the company is XXXX XXXX. 

The two bureaus that I am submitting a complaint about are XXXX  and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
The company First Source ( XXXX XXXX XXXX XXXX ) has been calling the home of my grandmother ( XXXX XXXX XXXX ) for about 2 months. My aunt who also stays there told me about 3 weeks ago that First Source was calling. She told them that I don't live there. I told her to ignore and don't answer the calls. 
Today XX/XX/2020, I went to visit my grandmother and First Source called again. I called back and asked them " why are you calling my grandmother 's home and it I do not live here. '' The First Source person said, " this is regarding your XXXX   XXXX account '' ( my XXXX XXXX XXXX account was an old debt years ago ). First Source person said, " we can remove the phone number ( XXXX XXXX XXXX - grandmother ) if you gave me your date of birth to determine if you are the correct XXXX XXXX '' then I hung up. 
My grandmother is XXXX years old and her daughter is XXXX years old ( aunt ) they are receiving harassing calls night and day from First Source -- This is outrages!! 
Can something be done to stop/penalize First Source?

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

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 2020-02-14 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: CA

Complaint narrative:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. 
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract

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 2020-02-14 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: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Zwicker and Associate P.C. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This collection company written above summons me for trying to collect a debt without mention how much I owed or Can you please ask them the breakdown how much and complete paper works of why, when, who and where? 

Can you please advise or please help how to answer the summons given to me. 
By this fraud collection company. 
Lastly, tell this collection company to STOP sending summons or calling me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a bankruptcy on my credit report that should be taken off. It was back in 2012. It's been 8XXXXyears and should come off. Experian still has it on there report.

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 2020-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract

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 2020-02-14 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: CA

Complaint narrative:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Recovery Service Incorporated
State: CA

Complaint narrative:
I received a letter form ARSI Collection agency, they are collecting an account on behalf XXXX XXXX, the letter is an opportunity to resolve my account for less than the balance owned, the offer is good until XX/XX/2020. I called the collection agency and they informed me XXXX recalled the account from their office. I called XXXX and they couldn't find the account, they just informed me that I should wait for a call from a Law Office. Even when the offer suppose to be good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
To be brief, this letter concerns an issue with Sallie Mae and three student loans that I hold with them, which are only weeks away from moving into payment status. As outlined in the attached letter that was submitted to Sallie Mae, I am unable to pay the loans at this time, due to the financial circumstances of myself and my wife. I spent a great deal of time on the phone with them, prior to sending the letter. And, after they received the letter, I received a phonecall from Sallie Mae from what was called the Office of the Customer Advocate. This phonecall identified what I had already been told : they understand I have no money to pay them, but in order to process a forbearance/deferment on my loans, I would have to pay a {$50.00} good faith payment ( possibly for each of the three loans ) and go through the request process every three months. How they can demand money from me, when I have identified I have no money and am asking them for consideration, is beyond me. They also offered another alternative : that they can help me, but I have to let my loans first default. As identified in my letter, I am an Officer with a very large public institution and, as such, a public/civil servant. It is both outside of my nature and against my professional interests to have my student loans default. And, given that I have pinched every XXXX and cut every cost over these last few months, demanding money from me is as offensive as it is ridiculous. They are a for-profit organization profiteering off of those like me who seek higher education. And, here, they are attempting to profit off of my financial distress. I find the entire situation offensive, disrespectful, and ludicrous, which is why I now bring it to your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a active XXXX XXXX credit card in good standing for many years. Sometime in the past year or so a negative XXXX card account had gotten added to my credit report. Ive disputed this several times with XXXX  with proper documentation but they have failed to do anything about it. I cant even dispute it anymore because they have it permanently like they are still undergoing an investigation even though theyve updated it again with the same negative information but making appear newer. They have added remarks that dont even make sense. I do have copies of what they are doing along with my documentation that should had been read and looked at. The last time I had a payment it was due back in XX/XX/XXXX. I paid it early in XX/XX/XXXX. Also have proof of a new star card that was mailed to me back inXX/XX/XXXX. I do have copies where I had spoken with 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 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint purchased my mortgage from drop mortgage XX/XX/2019. The first payment made was sent and credited correctly. The payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2019 were made and were never credited or recognized by shellpoint. I have bank records showing this payments were debited from account but Shellpoint would not credit my mortgage account for them. We had the bank track the routing of the payments and they confirmed deposit in Shellpoints bank. 
Additional to the theft of payments, Shellpoint tried to draw funds from accounts that were in my underwriting file that were never associated to the mortgage. This was identify theft. They refused to track the IP addresses, which would clearly show the log in for this fraudulent activity was located in their office. 

They have since refused to communicate about either issue. It seems like after initial investigation they are trying to brush it under the rug and cover it up. I believe this would be a RESPA violation, larceny, wire fraud, and identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Beyond the Statute of Limitations ... My credit reports reflect a balance for {$370.00} for medical services received in XX/XX/XXXX/XX/XX/XXXX. The " Opened Date '' reflects XX/XX/XXXX. I believe the reporting of this debt is beyond the 5-year Statute of Limitations in Florida. Furthermore, I believe Choice Recovery Inc. secured this debt improperly and have reported the balance with full knowledge that they have no rights regarding collections and reporting as their doing so violates Florida statutes regarding medical debt. 

I would like Choice Recovery Inc. to cease monthly reporting for this debt for which I believe I am no longer liable for and I would like this debt to be deleted from all 3 credit bureaus and never re-reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account listed transactions are not done by myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I just received a letter from Credit Collection Services, XXXX, MA XXXX, saying I owed XXXX XXXX XXXX XXXX {$710.00}. I have been to Florida 3 times : once in college for 4 days, once for a 3 day vacation, and once to help a family member recover from an operation. I live in the XXXX and have never had an account with XXXX XXXX XXXX XXXX. I don't even know who they are. I believe this is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: MI

Complaint narrative:
Due to a financial crisis, a title loan was taken out with XXXX XXXX XXXX XXXX. 
1. I have since lost my employment at the XXXX   XXXX XXXX  ( XX/XX/XXXX ). 
2. I have just recently gained employment, making 1/4 of my previous salary.

3. Original amount of loan {$1700.00} apx XX/XX/XXXX. 
4. Amount paid to date ... .over {$8100.00}.

5. I have attempted numerous times to contact the company to find a mutually agreed upon way to pay this off which is unsuccessful as I'm not able to speak with them. 
6. I am not able to afford {$600.00} per month for this loan.

7. emails and phone calls are unsuccessful. Emails direct me to call, which goes unanswered.

8. I personally feel this loan should be considered paid in full. 

This feels very much like preditory lending at it's finest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter form XXXX XXXX XXXX, they are collecting an account on behalf Citibank NA, the letter is an opportunity to resolve my account for less than the balance owned, the offer is good until XX/XX/2020. I called the collection agency and they informed me Citibank recalled the account from their office. I called Citibank and they couldn't find the account, they just informed me that I should wait for a call from a Law Office. Even when the offer suppose to be good.

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