vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jvs group
State: TX

Complaint narrative:
JVSGROUP {$2600.00} {$0.00} 4 accounts reported on XX/XX/XXXX 0 accounts reported on XX/XX/XXXX Open Account # 1 {$1200.00} Balance XXXX  CLINIC Original Creditor {$1200.00} High Balance XX/XX/XXXX Opened DateXX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
<P/>
Dispute an Error This agency did not report an open account to this bureau.
Open Account # 2 {$900.00} Balance XXXX HOSPITAL XXXX Original Creditor {$900.00} High Balance XX/XX/XXXXOpened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
<P/>
Dispute an Error Open Account # 3 {$150.00} Balance XXXX HOSPITAL XXXX Original Creditor {$150.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
<P/>
Dispute an Error Open Account # 4 {$360.00} Balance XXXX HOSPITAL XXXX Original Creditor {$360.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
<P/>
This company refuses to provide me verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ) on 4 collection accounts in their office. I am demanding proof of this debt for any and all accounts. Consider this a direct dispute because this is not my debt and this is defamation of character for all 4 accounts. I have spoken with numerous people that this company has done this too. They are very hateful on the the phone and use many unfair and deceptive collection practices. Last 4 of my social are XXXX  and my address is XXXX XXXX XXXX XXXX TX XXXX. I need proof I owe this debt. Also I will be contacting an attorney to seek actual and statutory damages against you and your client. I will also be contacting your client to notify them of your unfair practices and inform them what kind of agency they have hired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On  X/X/2017   , TransUnion received my certified request dated  XX/XX/2017.  The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act , 15  U.S.C . 1681g, I request ed disclosure of documents recorded and retained in their file  ( s )  at the time of this request concerning the accounts being reported in my credit report.    Three  additional certified requests were made regarding their investigation. It has now been more than FORTY days since that initial request. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising TransUnion of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
This card was sent to me for no reason while I was waiting for my unemployment prepaid card to come in the mail. It has the brinks logo and a website and all kinds of information that looked like a real business. Come to find out it was sent to me to activate by giving them my social security number. The card had {$0.00} on it, but upon activating and checking the balance I owed them a lot of money which I was supposed to pay immediately by putting money on the card. I called the Texas  Work Force c ommission and they told me that is not their card. I called the number on the back of the card  XXXX , and the customer service told me that I needed to pay the fees I told him I wanted to deactivate the card he was trying to get me not to, but he told me he did deactivate it then hanged up on me. They have my SS # and I 'm very scared that I just got scammed.

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 2017-06-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We had a mortgage resolution conference with  Citibank  on  XX/XX/XXXX    and both parties came to agreement. We were set up on a trial payment plan for 3 months. I paid {$930.00} that day and here is a list of the other payment dates of {$930.00} :  X/XX/17   ,  X/XX/17   ,  X/XX/17    and  X/XX/17   . I tried to speak to  Citimortgage  yesterday to make a payment and question the wrong statement they sent me, but after  57 minutes and being shuffled between four differe nt departments while waiting to speak to a fifth department my call was dropped. I sent an email to an  XXXX   XXXX  who is my dedicated??? Homeowner Suppor t Specialist aski ng him to call me after   XXXX   XXXX   which he did not yesterday or today.    Citibank sold? my mortgage to Citimortgage. Citibank or Citimortgage is confused, messed up or ridiculously inept. They have not sent me any documents after the 3 month trial period pertaining to the modification, they say I have a past due amount of {$50000.00}, say I am being charged {$41.00} late fee, and their   principal balance is wrong.

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied and was approved for a secured credit card throug h CapitalOne  in     XXXX   XXXX   I submitted {$200.00} as my " secured '' balance and began to use the card. In    XXXX   XXXX     , I submitted {$250.00} more as a way to increase my limit and, two months after that, {$300.00} more, for a limit of {$750.00}. (  CapitalOne  would not increased my limit without the security deposit. ) I recently closed this account, now that I was able to qualify for an unsecured real credit card. There was no balance on the account when I closed it, but they told me it would take one cycle before they could return my security deposit. After about two months, I received a check for {$350.00}. I called to find out why I was n't sent the full amount, and the representative said there were additional charges on the account after I 'd closed it ( not true ). Then he said there were nonrefundable fees. This card had a high interest rate, but no fees.  <P/> I really would like my {$400.00} back and I am hopeful that you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: FL

Complaint narrative:
To Whom It May Concern : Please be advised that I have received your correspondence dated  XX/XX/2017    This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid.  See   FTC.gov staff  attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.   I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.   Awaiting your reply in a timely manner.   Sincerely,  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
Consumer complaint received 2017-06-07 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: PA

Complaint narrative:
Experian sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. Experian representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately.  (    XXXX   XXXX   and   XXXX   XXXX   XXXX    ) If experian just monitored the information reported, they would clearly see that the dates   reported have changed. This is  Fraud.

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 2017-06-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I financed a XXXX Nissan Altima from Nissan Motor Acceptance Corporation ( NMAC ) in XX/XX/XXXX. I also purchased GAP and other warranty products at the time of purchase. On XX/XX/XXXX I was involved in a car accident in which the vehicle was totaled. My insurance paid most of the car balance off with NMAC except for approximately {$1500.00}, which comprised of the GAP premium and warranty package. I filed a claim with the GAP company listed on my loan documents from NMAC which put me through a series of hoops in order to fax them paperwork every week only to not review it for another whole week and send me a letter via mail each time they requested new information. I would not receive a call related to my claim or any direct communication. I spent over 3 months trying to have the remaining loan balance paid off with NMAC. I even requested to just have NMAC place the remaining balance onto the new car I financed with them in XX/XX/XXXX. They declined. Instead they insisted on allowing my GAP claim to be denied for charges that were only there due to me even purchasing the GAP and extending warranty to begin with. Had I not purchased these products that in no way helped me in the way they portrayed that it would if I ever was to find myself in this situation, I would not have a remaining balance on this loan. Since I had to purchase a new car after totaling my car I could not afford to continue making payments on the XX/XX/XXXXloan, thus it has affected my credit significantly. I feel this practice of selling GAP products without fully explaining how they work is a total sham. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/2017 This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Control Services Inc is  reporting negative information on my credit report. I have reached out to them and the people who " supposedly '' sold my account to them. I have NO CONTRACT with them nor the companies who sold them my information.The negative reporting is damaging my credit file. They are unable to provide any documentation that I have an contract with them. The address they have affiliated with this file is not mine. I offered to provide them proof of my address where I have been living for almost two years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in reference to these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence datedXX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account and since they did so I can not make payments on the phone. I ca n only do it on the Internet. I could not get to the Internet in time for my payment due the month of  XXXX   2016  and again on the month of  XXXX   2016 . I was told both times when I called in not to worry, since I can not make payments on the phone just do it as soon as I had Internet access. Both times I was assured there would be no late fee. I took Chase at their word. As it turns out they lied. I noticed there was a late fee on my most recent statement and then I decided to verify the same issue I had back in  XXXX   2016 . Sure enough a late fee charge. I contact ed Chase and they said only one charge will be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mark A. Kirkorsky, PC
State: AZ

Complaint narrative:
A collection attorney has contacted me in the past, re : a debt that was not validated by XXXX XXXX XXXX XXXX. The bank has never sent any debt info, and all matters were resolved with the bank. MARK A KIRKKORSKY PC was notified of this by me, and notified me that I had been sued and already had a judgment against me. I contacted the county attorney who told me this was not true. XXXX office then told me that I would be sued. I sent a written letter to his office, asking for all original documents, and never received a response. When contacting on the phone, I was sent to a voicemail, and never received any return calls. Since filing a complaint about the threats in 2012, the calls have stopped with the exception of a few per year which are normally hangup calls, and when I dial the number it is his office, but multiple times per year he is still sending inquiries to my credit report. This matter was resolved nearly 5 years ago, when neither he nor the bank could produce any validation of debt, yet he continues to persist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation