vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
In late 2019 a fraudster stole my identity and opened several accounts fraudulently in my name. I learned of the fraud from XXXX XXXX and immediately acted, including freezing my credit, filing a police report, and completing all required paperwork from the companies the fraudster successfully and unsuccessfully attempted to commit the fraud. 

One of the accounts that the fraudster successfully opened was a credit card account with XXXX XXXX XXXX XXXX. By the time I learned of the fraud the fraudster had spent $ XXXX. XXXX XXXX XXXX XXXX closed the account, and XXXX, XXXX, and XXXX all removed the account from my credit history. 

Then, months later, I started receiving letters from a debt collector that I had been sent to collections for the outstanding balance on the XXXX XXXX XXXX XXXX account, opened and executed by the fraudster. I have called both the collector, XXXX XXXX XXXX, as well as XXXX XXXX XXXX XXXX and neither provide any help what so ever. XXXX XXXX XXXX simply tells me that the only way they can remove the account from collections is by XXXX XXXX XXXX XXXX revoking the collection. When I call XXXX XXXX XXXX XXXX, my call is repeatedly transferred, the call is dropped, there is no clear department or number to reach out to. I reached out to the woman in the XXXX XXXX branch who helped me file the XXXX XXXX XXXX XXXX required paperwork when the fraud was initially detected, however she is no longer with XXXX XXXX XXXX XXXX, and her replacement began to help me but months have passed and nothing has happened. 

The collections account is bringing my credit score down and I am trying to buy a home- this situation is incredibly frustrating. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I went to XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX to purchase a car. We initially agreed to pay the XXXX XXXXXXXXXXXX XXXX  for XXXX XXXXXXXX XXXX. I gave a XXXX deposit. At the end I ask the dealer for my copies he said he will email them to me and Westlake Financial the bank that s going to finance the car. He never did. When I contacted the bank, their documents were electronically signed by me and I never did sign anything electronically especially when I drove to XXXXXXXX XXXX XXXX myself. Only proof I have is the text messages me and the seller was communicating from. Where they creating fake emails to show that they did send the documents. Once I contacted Westlake Financials they had my correct emails which they get from XXXXXXXX XXXX XXXX. My main issue is with the dealer however Westlake financial had call and email me about a required interview to finalize the loan. When I call the bank somehow they waived that required interview.

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 2021-11-09 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: MI

Complaint narrative:
I have made all required monthly payments to my consolidated loans ( currently serviced by FedLoan ) while employed by a an eligible nonprofit employer for almost 10 years, and 31 of my payments have been classified as ineligible. I have followed all loan servicer instructions and directives and documentation from federal agencies precisely as they existed at various times over the past 9+ years, so am deeply confused and concerned that many payments are ineligible. 

Multiple payments classified as ineligible by FedLoan have been under " manual review '' for over a year with no change. In XX/XX/2021 I submitted my annual certification in an attempt to have my payments reviewed for both XXXX and XXXX eligibility with no change. I formally requested that the other ineligible payments be manually reviewed earlier this summer with zero change in status. 

Please note that I have faithfully paid my required payments every month for almost 10 years ( 9 years 9 months ), stayed in eligible full-time employment ( 2 non-profit employers total ), in the good faith belief that I would qualify for federal loan forgiveness at the 10 year mark as described by all program documentation. 

As of XX/XX/2021, after 9+ years of payments, I have paid {$42000.00} of the original principle balance of {$64000.00}, and have a remaining loan balance of {$45000.00}. According to FedLoan, I have 40 remaining payments under XXXX and 31 remaining payments under XXXX. This is outrageous, and I ask that my payment history be reviewed and my " ineligible '' payments be reclassified as eligible and my payment summary updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: CA

Complaint narrative:
I have called, emailed and faxed an itemized debt validation request letter multiple times and have also asked them to provide my signed document my provider should have given them to authorize this third party to contact me about personal medical information which they have not been able to provide me. This is a HIPPA violation unless they are able to provide me both documents I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the Original Signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit card company reported my balance as {$0.00}, which was correct, to experian. And then a few days later they reported my balance as {$210.00} which was false. I made a payment of {$210.00} before my closing date so that my balance would be {$0.00} on the closing date and report as such. It caused my experian fico to decrease 13 points

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I received your correspondence on this alleged account stating your ( verified/ updated ) this account which is a violation. Bankruptcy court doesnt even give consent to third parties to collect my information I have contacted them personally and gotten multiple written documents from the court to support my cause. I asked that you remove all inaccurate bankruptcy information if you chose to play with me It will result in multiple fines under the law. 

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received your correspondence on this alleged account stating your ( verified/ updated ) this account which is a violation. Bankruptcy court doesnt even give consent to third parties to collect my information I have contacted them personally and gotten multiple written documents from the court to support my cause. I asked that you remove all inaccurate bankruptcy information if you chose to play with me It will result in multiple fines under the law. 

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
I requested a transfer of my XXXX from Optum XXXX to XXXX XXXX on XX/XX/2021. As of XX/XX/2021 the account still has not been transferred and when both XXXX XXXX and myself call we are told it is still awaiting approval. 

In the meantime, Optum XXXX has been charging a monthly fee, which I would not pay at the new provider. Thus, there have been two monthly fees attached along with my XXXX not being transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: OK

Complaint narrative:
To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both XXXX XXXX and The Bureaus Inc. in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. 
The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? 
FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX, XXXX or The Bureaus, Inc the alleged amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: National Credit Systems,Inc.
State: IA

Complaint narrative:
In XX/XX/2017 I was XXXX  and XXXX. I contacted the leasing office at my apartment and notified them that I was going to be incarcerated. We made a verbal agreement that they could keep my security deposit and lease my apartment. I was told 3 weeks later that there was a new tenant in my apartment. However nearly a year later the full balance of my lease agreement was reported to my credit report. I have disputed this many times to no avail. I believe this should be removed from my credit report because the company re leased my apartment within weeks of me vacating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: NY

Complaint narrative:
REXXXX  Dear CFPB : The company did not remove derogatory information from my credit report based on the creditor pay history documents I provided them. As in the previous 9 disputes, they say the creditors verified the inaccurate information on my credit report is accurate, when the documents they provided to me and I, in turn, provided Equifax prove otherwise. 

Results, more time wasted, nothing done and Im being financially harmed because Equifax has not complied with the FCRA laws. 

BTW : Your portal says that no complaint was ever filed by me. There was no way for me to monitor or respond. 

Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: GA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
On XX/XX/2021, I received a letter to collect a debt from Sequium Asset Solutions , LLC. It stated I owed {$130.00} to XXXX XXXX XXXX XXXX, which is untrue because I paid the remaining balance when I canceled the XXXX XXXX XXXX service with the representative over the phone. 

I wrote back Sequium within 30 days after receiving the notice using XXXX  to verify the debt 's validity. Also, I asked for proof to show I owe a debt and agreed to pay a debt in the same letter. Sequium never responded. 

The following month I received an alert from my credit monitoring service that something 'negative ' was added to all three of my credit reports. I was appalled to see it was Sequium on my credit reports. So in XXXX of XXXX, I wrote Sequium again by XXXX asking for proof to show how I owe a debt that did not exist. Sequium never responded.

I disputed the debt 's validity to all three credit bureaus by XXXX, and each credit bureau reported back that Sequium verified the debt. However, this time the debt was verified, but Sequium updated the date of the debt.

So far, I have written Sequium three ( 3 ) letters through the XXXX XXXXince XX/XX/2021, and I have not yet received any response. Additionally, I have not received any information on the original creditor 's debt, how Sequium came up with a balance of {$130.00}. I also asked to show proof Sequium is allowed to collect debts in the XXXX XXXX South Carolina. 

As of today 's date, XX/XX/2021, I have not received anything from Sequium regarding this frivolous debt which continues to have a detriment on my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc.
State: WA

Complaint narrative:
Account was paid in full and closed due to seriously injury requiring XXXX XXXX XXXX/moving out of state. Any charges afterwards are fraudulent charges made by XXXX XXXX XXXX. 

Further, no written notice was received by me from XXXX XXXX XXXX  by email, paper mail ( which was forwarded to new out of state address ), or my mobile number, stating that any amount was due or that any amount was sent to collections. 

Any additional charges claimed by XXXX XXXX XXXX are fraudulent attempts to invent a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX I purchased two XXXX XXXX, during a promotional deal where you buy one get one free for the price of one. The price of the phone was {$590.00} USD and the condition to receive the deal was only adding an additional plan to my XXXX XXXX account. I previously had an XXXX XXXX XXXX  with a monthly bill of only {$55.00} USD. I been a loyal customer to XXXX for over 8 years, while serving the United States XXXX XXXX and upon separating from XXXX XXXX and entering the XXXX XXXX , I hadnt experienced any bad service nor had a late payment of any sort. The Sales representative in the city of XXXX, New Jersey. Assured me that I will get a bill in the next two to three months reflecting the payment due amount of the phones with the promotional credit, which should have added up to the {$590.00} USD. This was the agreed upon amount at the time. I waited and waited and didnt see a bill till four months later and when the bill was viewed and received it was in collections without my knowledge. I called the location, where I purchased the phones and no response. I called XXXX business assistance number and they assured me they will take care of it in seven business days back in XXXX of XXXX and nothing was done of it. At this time the account never reflected the amount due accurately, due to it being sent to collection but it hadnt hit my credit score at that time. I proceed to the nearest XXXX store in my area. I spoke to four XXXX representatives, who put me on the line with XXXX billing issues for XXXX XXXX account holders again. They assured me they would fix the issue and again promised for it would be fixed in 7 business days and again nothing was done of it. A week or so later I went back to the same store in XXXX XXXX XXXX, Florida. I spoke with the store manager a miss XXXX, and her team of XXXX, XXXX, which were on the line with the XXXX representative via phone again. They tried to correct issue, and nothing came out of it. I called the store a week later as a follow up as miss XXXX suggested to check back in. Do to her telling me she would escalate my issue up her chain of command. I called and she stated she would give a call back didnt get a call back. I called back and she stated she is working on it. Check again later during week. Now its XX/XX/XXXX issue wasnt resolved, and their collection agency finally attacked my credit for the full amount of both phones {$1100.00} USD.

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 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Forster, Garbus and Garbus
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX. I live in XXXX XXXX, New York, a small suburban community in XXXX, near to XXXX XXXX. I fell into hard times. I lost my XXXX company business. XXXX played havac. Even starting the middle of 2019 my business collapsed ; employees working with me left ; I could not meet my obligations. As of now, I am living a hand to mouth living. There were two deaths in the family intensifying my family obligations. I am breathless. 
Added to my problems is a demand from a debtcollecting company, Foster and Garbus. 
They threatened me of garnishment. There is nothing to garnish. I am working as a part-time XXXX XXXX, just to maintain my family. Through my friend.XXXX XXXXXXXX, with my authorization I agreed to pay {$50.00} on a monthly bassis. There was correspondence but without positive response. 
Foster and Garbus obtained an Ex-parte judgement and sent summons. I responded with {$50.00} offer because I can not afford anything more. I am living a hand to mouth living. 
I attached certain documents for CFPB review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
You are reporting the following collections with a past due amount. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

- XXXX  - XXXX 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