vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2019 I noticed on my capital one auto finance app that {$4800.00} was paid towards the loan But my loan amount on my car never went down. It just stayed at {$18000.00} which now even when I paid another {$870.00} towards the loan because I fell behind which that never was put into the total amount towards my loan either. Paid that in increments on XXXX, XXXX, and XX/XX/2019. When I looked online it said all my payments went towards the interest and principal which I never signed for. I went through my contract it doesnt state that I have to pay the principal and interest off first and then the rest of the loan. Even after I paid to get caught up they turned around and said Im still 130 days late how does that work?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: United Revenue Corporation
State: TX

Complaint narrative:
CRA  is reporting prohibited information. United Revenue Service has furnished information which violates Texas Business and Commerce Code Section 20 et seq states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 5 ) a collection account with a medical industry code, if the consumer was covered by a health benefit plan at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider or a facility-based provider for an out-of-network benefit claim ; or The information furnished is exactly the type of information that the statute ( s ) prohibits : a ) the consumer was covered by a health benefit plan, XXXX XXXX, at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider, XXXX  XXXX XXXX, or a facility-based provider for an out-of-network benefit claim. 

On XX/XX/2019 I was admitted through emergency ICU for a life threatening condition. XXXX  XXXX XXXX ' ER doctor ( XXXX XXXX ) was an out-of-network provider. XXXX made a normal and customary payment to the provider and provided me with an EOB that indicated that my out of pocket would be {$56.00}. The collection company never notified me of the collections, and I subsequently discovered the collection upon reviewing my credit report and declined score. 

I disputed the information with XXXX, who did not remove it. I have subsequently been rejected for home improvement loan by several lender specifically because of this collection appearing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
Dear Sir Or Madam, This a follow up to complaint XXXX. Our names are XXXX and XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Ga XXXX. 
We want to send you some documents that have shown malicious behaviors XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of their license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

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 2020-01-20 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: CL Holdings LLC
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
this company did NOT act appropriately as authorized by contract of law. 

this derogatory account/ report appeared on my credit bureau reports with XXXX  and XXXX credit bureaus in XX/XX/2019. I repeatedly requested verification of debt with a signature and was informed I must contact the collection agency as they did not maintain files of each customer. Each time I received a letter that the creditor had " updated '' my file. Before doing this I noticed that the original creditor was XXXX XXXX Hospital, wrongly I assumed it was XXXX  Florida. 

The original creditor was listed as XXXX XXXX Hospital and Lockhart Morris Montgomery account XXXX as the collection agency on these credit bureau reports In Florida the major governing medical billing agency is XXXX, they do in house billing. I called XXXX XXXX Hospital, XXXX, Fl. and they had no record of me owing this amount for the date of XXXX XXXX as listed by the collection agency. I called XXXX. They had no record of this amount for this date of service. 
I wrote a letter to Lockhart, Morris an Montgomery requesting A SIGNED CONTRACT, either between them and the hospital or myself and the hospital. They sent me a statement from XXXX XXXX Hospital, XXXX, GA showing the medicines and services I allegedly received, with a XXXX BALANCE OWED. The amount of {$260.00}. was no where indicated. Are they allowed to have access to medical records/emergency room medicines of any one? 

Additionally, this has severely damaged my credit and any attempts to obtain credit. 

I have tried to resolve this on my own for 6 months. Now, I need your help. 

Are they legal and reputable, or as their Texas XXXX XXXX XXXX  file indicates, ( with 79 complaints ) they are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Copies of what they sent me proves they have no proof with the Fair credit reporting act section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Online access to my savings, checking, and credit card accounts was blocked by the company on XX/XX/2019. It has now been over two weeks since my online access was blocked. After multiple times contacting the company 's customer service, I was not given any information as to why the account was blocked, how to unblock the account, or how long the process would take. Each time I contacted the company, I was given a generic response to the effect of " someone will contact you '' and still have not been contacted by a bank representative.

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 2020-01-20 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? They say that this account was purchased by another lender without providing any name, address or contact information and this account is almost 5yrs old. It looks like they are trying to reage the account which is an illegal practice.

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 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This account is not mine. I want to see my signed orginal contract. I want my identity proven 100 % and for them to send me what they have and not a copy of statements. Plus this account is over 5yrs old. 



They are saying it is verified but where's my proof? What methods are you using to verify?

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 2020-01-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I get frequent calls from different states form different numbers harassing me. Annoying 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 2020-01-20 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: DE

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally The amount saying to be owed is {$3400.00} They are saying it is verified but where's my proof? What methods are you using to verify?

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 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: DE

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? As per the fair credit reporting act section 609

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally As per the fair credit reporting act section 609 They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am a XXXX Consumer I am a victim of Ideninity theft, Mail fraud and No Access to this banking. Creditcard account I have unsuccessfully tried to report a replacement card stolen or never delivered 5 times I am required to enter a text or email code I physically am unable to do to GET VERIFIED and if I am not verified I can not report the stolen/ undelivered card I AM AT GREAT RISK I CAN NOT GET VERIFIED TO GAIN ANY ACCESS I AM TRYING TO PREVENT MORE FRAUD I HAVE NO ZERO LIABILITY PROMISED BY USAA THAT IS EXTENDED TO ABLE BOBY MEMBERS MY CIVIL RIGHTS ARE DENIED AGAINST MY XXXX** XXXX ELDERLY VUNERABLE AMERICANS ARE TARGETED WITH ** NO PROTECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Case # XXXX Experian case # XXXX Pin numbers keep changing, XXXX, nothing working to update information, phone numbers here help with still old information not being changed mailed calls. CFPB help here still same information, old address and phone number, I have free monitoring for, I have been brenched my identity has been stolen.Same issue nothing has changed I would like to see my credit report, and please have them to unfreeze my credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: SC

Complaint narrative:
USPS TRACKING # XXXX I've sent a dispute previously to Equifax to investigate and remove some fraudulent information from my credit report. They'll yet to reply to me, so I'm sending in another dispute with a complaint. I have documentation directly from them that I received in XXXX that listed me as victim of the data breach. My SSN, ID, and other personal information were exposed. I just want this issue resolved, I did not benefit from any of the accounts that were opened, as they have prevented me from obtaining any new credit lines and for my own accounts to be closed and or reduced. My previous dispute was sent and received back in XX/XX/XXXX, and another in XX/XX/XXXX, I've also sent a complaint though this portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: SC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit 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 2020-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
There is a loan for {$9200.00} from Flagstarbk/XXXX taken out XXXX XXXX on my credit report. I did not take this loan out. I have ask 2 times that is be investigated an both times it has not been resolved. This is not my loan, nor do I know anything about it

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 2020-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
As We stated, the GAP coverage was through a third party and we needed documents from BBVA to submit to the Third Party to process the GAP coverage claim. BBVA failed to provide those documents. Why are they still saying that I inquired about GAP coverage through them? Why to date that have not provided the information I requested? This is unbelievable. This file was closed based on a stupid response from BBVA. I advised the reason for my complaint and it still hasn't been fulfilled. This is unbelievable. I had outlined the items that was needed to " PROCESS ' the " GAP '' coverage through the " Third Party '' in my initial complaint, but I see that it wasn't even addressed! Since then! Can someone please help me! I'm being bamboozled here and no one is doing anything about it. Why? Why? Why hasn't BBVA sent the forms that I needed to have the other company process the GAP! Proof of purchase, Manufacturer 's agreement, Bill of Sale, and a copy of the Cancelled check? This is what I asked for and got nothing but a closed response. I have tons of emails with no replies and out of this entire process, I was only able to speak with BBVA when they were trying to secure the check from the insurance  company. I've gone to the bank multiple times and sent emails, but to no avail. This is preposterous and unbelievable! Please call me XXXX or my wife XXXX at XXXX.

Company response to consumer: Closed with explanation