vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc.
State: CA

Complaint narrative:
I filed an initial complaint to the CFPB on XXXX 2019 and on XX/XX/XXXX West Coast 's response to the CFPB a government agency was that they are eager to reach a mutual agreement to put this matter to rest yet a week later on XX/XX/XXXX they filed a motion to continue to foreclose on my house and a motion for relief on the Automatic stay with clearly full intentions to foreclose and collect their profit without a reasonable doubt. West Coast purchased my note for pennies on the dollar in 2019 and have refused to disclose that dolor amount. They are predator investors dedicated to pray on consumers with equity in their homes. The Chief judge denied their motion 100 percent. West coast has lied time and time again and this is just one more of the instances in where the evidence shows they contradict their own statements and have now provided False information to the CFPB a government agency. A full trial is much needed for this claim to be disallowed entirely. I have attached a copy of the status report filed on XX/XX/XXXX from West Coast and their council with their motion to request to foreclose and motion to lift the Automatic Stay on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
Credit Acceptance accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.

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 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Multiple harassing calls from a XXXX number about a debt not related to me. Called, told them to take my phone number off because the debt is not me, proceeded to argue with me, telling me I was lying, then cussed in XXXX, once I threatened to report their harassing behavior, I was hung up on, called again and was told that thy werent going to take my phone number off and hung up again. I dont know whats wrong with these people but I may have to get a new phone number because they are calling multiple times a day when I told them I dont have anything to with the debt and to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: FL

Complaint narrative:
I have been requesting methods of verification on certain items on my report from XXXX, equifax and XXXX credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX  unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been requesting methods of verification on certain items on my report from XXXX, XXXX   and experian credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.

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 2019-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Credit Counseling Service of San Francisco
State: MI

Complaint narrative:
My husband is a XXXX veteran and XXXX XXXX XXXX civilian. He has severe health issues. We fell on financial burdens after a car accident took his health in XXXX. A person came to our home today, stopped me when I was locking our privacy gate at the end of our driveway. She said she was from the bank. She handed me a letter after exclaiming in a very loud voice if " Does XXXX XXXX lived here?! ''. I said his name has been XXXX XXXX since XXXX. Legally. 

She handed me a letter from this " counseling '' agency of Balance and XXXX XXXX and said in the letter that they work with the mortgage company XXXX and XXXX XXXX exclaiming as loud as she could in front of our neighbors that she knows my husband 's father in front of neighbors that were outside and on social media. Calling him by his former name of his abusive father XXXX XXXX. XXXX legally changed his name to XXXX XXXX in XXXX. 

She claimed she knew his dad and as loud as she could that she went to school with him in front of everyone. She never identified herself by name. Only saying she was from the bank. One neighbor was recording the event on her phone. This took place at the end of our driveway when I was trying to lock our privacy gate. All our neighbors and now his family knows of his financial problems. Our neighbors are very popular on social media and they were recording and listening. She then demanded that she had to take pictures of our home of 20 years because " she had to '', forcing me to unlock the gate and let her in. She not only took one but two or three. She continued to talk about his father as if she was insinuating that she would tell him & his family.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have complained several times about inaccurate information on my credit report and Experian refuses to delete wrong information. There is address that is inaccurate they refuse to delete it. I want it removed immediately!

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I signed up for a " TransUnion MySmartmove '' account at www.mysmartmove.com, which is a rental screening service operated by TransUnion, in order to have a report generated for a potential landlord. The report combines TransUnion credit history, eviction history, and criminal history. I answered all of the identity verfication questions online, successfully created an account, and a report was provided to the landlord. However, MySmartmove does not provide a copy of the report to the consumer through the website. Only the landlord can access the report on the website. Instead, they direct the consumer to call their XXXX number to request a copy of the report. I called the XXXX number and the representative wanted me to send my personal information along with a copy of my driver 's license via email to " XXXX ''. I informed her that it is not secure to send personal information through email, that they should not be asking customers to email personal information, and that I would not send my information via email. I requested a mailing address to send my request, but the representative first claimed that she did not know the mailing address. Finally, after speaking to the supervisor, I was provided a mailing address to send a request in writing. Additionally, I was informed by the representative that the report provided to the landlord is not even the same report provided to the consumer when the consumer makes a disclosure request. I'm initiating this complaint for the following reasons : ( 1 ) TransUnion MySmartmove should provide to the consumer a copy of the report that is identical to that provided to the landlord ; ( 2 )  TransUnion MySmartmove should provide this copy to the consumer via the consumer portion of the website, just as they provide it to the landlord via the website ; ( 3 )  TransUnion MySmartmove should not request consumers to email sensitive personal information ; and ( 4 ) TransUnion MySmartmove should provide their mailing address to send FCRA disclosure requests on their website.

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 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services
State: CA

Complaint narrative:
This debt was paid in full by my insurance company when XXXX XXXX billed them. During my office visit I was told that everything would be covered by my insurance and I would only be responsible for a copau, I paid {$130.00} in the office for copay and an arm brace, my insurance paid the rest. Months later the dr 's office sent a separate bill and billed me again for the same visit they were already paid for by insurance, I have only visited the dr. Once. I researched online and there are multiple complaints about XXXX XXXX getting paid by insurance and still billing his clients. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performant Financial Corporation
State: PR

Complaint narrative:
Performant Recovery Inc contact me to apply for a rehab program in order to stop my garnishment of 15 %. I submitted all of the required documents and the approved a payment of {$53.00} and details are under Performant account number XXXX. After the 5th payment  the garnishment was going to stop. On XX/XX/2019 5th payment was performed. ( See Attachment # 1 ). 

Next payment checks from my company were received on XX/XX/XXXX and on XX/XX/XXXX. On both checks the garnishment continues to charge. Yesterday I contacted Performant Recovery Inc and they told me that they sent the communication to XXXX and XXXX is who should notify my employer. In addition Performant Recovery Inc told me that the latest payment of my garnishment that they received was on XXXX XXXX 19. I  contacted finance department of my employer and they never stopped payments. ( See Attachment # 2 ). 

Today I contacted XXXX and they told me that they don't do that and the account ( Account # XXXX ) that they have is one that I paid separately and which is now stopped because I am studying my XXXX XXXX. 

I am so confused and I need to understand my exact student loans debt and where the money goes. 

XXXX XXXX from Performant Recovery Inc is the person that I always call for payments confirmation number and other question ( XXXX-XXXX-XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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:
Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NJ

Complaint narrative:
I received the first letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was the first time I realized that identity theft occurred. Upon this letter, I sent them a dispute letter to notify I am a victim of the identity theft on XX/XX/2019. I have reported the idendity theft to CFPB, local Police department, and FTC. I have done everything I could. Finally, FTC gave the procedure for me. The first step that FTC recommend is to call XXXX XXXX and to ask them to remove the fraudulent account. I went to XXXX XXXX XXXX  instead of calling, and asked them about the auto loan account number.The bankers whom I contacted said there is no account with my name and SSN in their ( XXXX XXXX ) account history. I asked a confirmation letter which states that there is not any account my name and social, but they said, " No, because the account number is not existed. '' Today, I sent express priority mail asking the account applications made on paper, online, or by telephone, and any record including payment history, phone number to access the account, signatures on applications, and the copy of ID when the account was made using the address, and investigators report. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and thier client Crown Asset Management have never sent the account application. The account in XXXX XXXX does not exist. It means those company made a fraudulent account without my permission. They got judgement ( {$6100.00} ) using the address I have never lived, and then they sent the first letter regarding the judgment debt to me. What should I do next? I am waiting to hear from the court, because I filed a Motion to vacate the default judgment on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Dates of service for XXXX of my children ranging from XXXX for a total of 9 accounts in collections for a total of {$2200.00}. 

I was told to call XXXX ( XXXX XXXX ) and get check numbers and dates of payment as I have assured them via many phone calls to XXXX that these 9 accounts have been paid by XXXX. 

XXXX XXXX XXXX XXXX XXXX and Med1Solutions absolutely refuse to take any of the information that I received over the phone with XXXX. They are still trying to collect the full original amounts billed even though XXXX has paid these claims. 

XXXX XXXX XXXX XXXX XXXX told Med1Solutions that it is my responsibility to obtain the remittance from XXXX and submit it to them to post the payments to the accounts. I tried explaining that XXXX submitted that information to them already providing them with the check numbers and dates. Both companies continue to try collecting the debt from me even though XXXX paid them. I don't believe that it is fair debt collecting to accept payment from XXXX then turn around and bill the patient the full original amount of the claim. They are a XXXX network provider. This just does not seem right.

Company response to consumer: Closed with explanation