vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
ARSI Account Recovery Specialist, inc. ( KS ) XXXX XXXX. Have violated the fair debt collection practice act by the following.1. they added their own fees and or charges, 2. threatened with sueing, 3. threatened me to pay more, 4.filed a judgement ( garnisment ) without a notification or subpoena when I all ready had a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
On XX/XX/2018, I sent XXXX XXXX, a cease and desist letter by certified mail that was signed on XX/XX/2018. 

On XX/XX/2018, I sent XXXX XXXX another letter via certified mail that was signed on XX/XX/2018. 

To date, XXXX XXXX is still reporting collection activity to all Three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see attached evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

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 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
On XX/XX/2018 and XX/XX/2018, I sent Midwest Recovery Systems a cease and desist letter via certified mail. they were signed on XX/XX/2018 and XX/XX/2018. 

On XX/XX/2018, I sent Midwest Recovery Systems another letter via certified mail that was signed on XX/XX/2018 To date, Midwest Recovery Systems, is still reporting collection activity to all three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Southern Management Systems Inc.
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are  bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: CA

Complaint narrative:
On XX/XX/XXXX I noticed an inquiry from XXXX XXXX that I did not authorize so I called Experian immediately. I was advised that I had to contact XXXX Bank using the information that they ( Experian ) provided on the credit report. I wrote XXXX XXXX on that same day, XX/XX/XXXX to remove the unauthorized inquiry using the address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX. This was the address provided by Experian. On XX/XX/XXXX, I received a " Return to Sender '' notice on the same letter that I sent to XXXX XXXX. I checked the address that I wrote on the envelope and it was exactly how it was provided on my Experian report. Therefore, because Experian is providing inaccurate information, I want the inquiry removed.

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 2018-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had purchase a truck from this dealership at a certain price that I took out that same day everything happened so fast that I didnt believe it that I had boughted a car by my self I took it in give a down payment if it promised to pay in one month while I made my first payment on the load made my first payment on the loan but one week before the 30day warranty period the truck broke down which I had to pay out of pocket because I could not afford to loose any day of work fix the truck for couple day driving it white no ac for the matter that I had fix up until I need to make my down payment already but second payment on the loan came by since it way on a holiday XX/XX/XXXX one on my derelict deposits was not made until the next business day so second payment fail got the call from the dealership say that there contract with this lender was rejected and we had to apply for another lander which was libel finacial give me a higher interest rate and payment plan with a an additional hidden fee called GAP got approved had a cal from the lander asking me additional questions about the vehicle that the dealer told me to say in other word lie to value more the car and get approved with out my acknowledgement of there intention got approved never seen the original contract from the second lander in the mean while my truck was getting fix driving a loaner car from a the dealership missing afew Daya work getting fired from one job a had out 2 in that time frame and never got Reimburse of anything out of my pocket 6 to 8 pass the lender harassing me that I had not made my full payment that I had trusted the dealer I was going to pay XXXX $ instead of XXXX $ before with the other lender long store short I couldnt negotiate nothing with the lender and told the lander yo just come and repo my truck have to loose a lot from this deal that I felt was wrong as a costumer I feel being a fist time buyer things like this should not happen to no one very upset of this deal never again I ll buy a used vehicle in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi there, I am an international student holding a student " F '' Visa. 

I opened a checking account with US bank in XX/XX/2017 when there was a promotion. I told them that I am an international student Visa and gave them my foreign passport, XXXX Form to let them make copies. In the meantime, I also submitted my XXXX Form. In another word, I was clearly doing my best to tell them that I am a XXXX XXXX, and I do not need to pay interest tax in my first 5 years. 

Then, in XX/XX/2017. I received my bonus for opening a checking account, which is {$200.00}. However, they charged me {$56.00} Federal Interest Withhold at the same time. 

I called their customer service several times to try to resolve this problem caused by their lack of professional knowledge, the only answer I got from them was " we can not help you, you should talk to U.S. government or I.R.S. ", which was not making any sense at all.

Then I went back to the branch where I opened my account so many times, each time they said sorry for what they did, copied my information and said everything was fine, you just need to wait, they will refund you {$56.00}, but i still have not received my {$56.00} Federal Interest Withhold until right now, It's being almost 1 year. During this year, i called the branch said they didn't resolve my problem, i want to complaint to their manager, but they said the manager is not there, they asked me to leave my phone number, the manger will call me back, However, I have never heard anything from their manager. 

According to I.R.S, a XXXX XXXX student is exempt from filing interest tax in the U.S. ( If they do not know where to find these I.R.S. documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) And also, according to the Tax Treaty between the U.S. and my country, a XXXX student should be exempt interest tax within their first 5 years. ( If they do not know where to find these Tax Treaty documents, I suggest them to call I.R.S. for help, OR, I can teach them where to find these documents. ) All other banks which I have relations with know how to treat a XXXX XXXX student, and they all did not put Federal Interest Withhold on my interest. Such as, XXXX  XXXX XXXX, XXXX XXXX, XXXX. 

And also, as far as I know, some other branches of US bank, they know how to treat a foreign student as well. Why, on earth, certain US bank employees do not have the basic professional knowledge and refuse to listen to any explanation? I clearly told them I could show them all these documents mentioned above, but they just refused to listen.

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 2018-07-09 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had 20 student loans with Sallie Mae in forbearance. Sallie Mae and Navient split and 10 of my loans somehow defaulted. Sallie Mae did an investigation and stated they made a mistake but I would need to send certified letter to Navient to buy back loans. Navient refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to Navient and they are unwilling to update the status to NEVER LATE. Sallie Mae " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the Navient and Sallie Mae loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if Sallie Mae hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. Navient 's devious tactics can not continue to ruin people 's lives. After I disputed Navient started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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:
I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing  with XXXX  XXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages  long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.

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 2018-07-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had 20 student loans with XXXX XXXX in forbearance. XXXX XXXX and XXXX split and 10 of  my loans somehow defaulted. XXXX XXXX did an investigation and stated they made a mistake but I would need to send certified letter to XXXX to buy back loans. XXXX refused to buy back the loans from XXXX XXXX. So I had NO CHOICE but to do a consolidation with XXXX XXXX XXXX. Now on my credit report these loans are showing NEGATIVELY 120 days late which they were not!!! I have spoken to XXXX and they are unwilling to update the status to NEVER LATE. XXXX XXXX " has no record ''. I filed a dispute with all 3 credit bureaus and they came back " accurate information '' which is not correct. I have ALL OF THESE ACCOUNTS COUNTING AGAINST MY CREDIT!! Please help!! I am asking for the XXXX and XXXX XXXX loans to either change their status to paid never late so they can reflect POSITIVELY or REMOVE them totally from my file. They are paid and closed but still affecting my credit negatively to no fault of my own! XXXX XXXX should have never been on there and would not have been if XXXX XXXX hadn't made a mistake so I am asking to REMOVE that account totally. Basically I have 4 different groups reporting the same monies. My loans are in good standing with XXXX XXXXXXXX XXXX. I have attached 2 of the 3 credit reports as XXXX is about 30 pages long. You will see the same account numbers and 20 to 30 accounts for the same monies. This is the biggest hit to my credit score and it's really not fair. I am trying to purchase my first home and this will prevent me from doing so. XXXX 's devious tactics can not continue to ruin people 's lives. After I disputed XXXX started reporting the XXXX XXXX loans under them which had been reporting under XXXX XXXX all this time. Please help and Thank you for your consideration.

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 2018-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX has been reporting that I owe {$7700.00} on my credit report however, I am aware that any debt collector company that does not have a surety bond in Texas do not have the legal right to collect or report a debt the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TSI/XXXX has been reporting that I owe {$660.00} to XXXX XXXX however, that account is not mine. The bill that I received for that account was in the name of XXXX XXXX. I am aware of my rights under the Fair Debt Collection Practice Act and know that it is illegal to report a debt that is not owed by me under my social is illegal and considered reporting inaccurate information and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a loan with PENTAGON FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and PENTAGON FCU with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.

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 2018-07-09 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: TX

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.

Company response to consumer: Closed with explanation