vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/XXXX I sent XXXX a debt validation letter. 
XX/XX/XXXX Resurgent Capital Services sent me a letter along with one statement and a Account Summary that was prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. They made it very clear that the account summary was not from the original creditor. 
XX/XX/XXXX I wrote Resurgent Capital Services. 

XX/XX/XXXX Resurgent Capital Services responded with the same exact letter they sent XX/XX/XXXX. They have ignored my dispute that I sent them directly notating all the violations they have committed. 

The paperwork Resurgent sent me directly claims they have acquired the alleged debt on XX/XX/XXXX but claims that the last payment was made XX/XX/XXXX. I've never paid a dime to Resurgent, but they claim I did 2 months after they acquired the alleged debt. at the time of the acquisition the alleged debt was for {$1300.00} but the current balance reads {$1200.00}. There paperwork reads that a payment was made or a credit was applied of the amount of {$110.00}. all these allegations are false and I believe resurgent is practicing illegal procedures. what date was this alleged payment or credit applied to the balance? it is illegal to alter the original balance that was charged off and if they claim that a payment was made then how was the alleged payment processed? I want to see the exact transaction. in there response letter they also notate another collection agency named XXXX XXXX XXXX saying they have received correspondence regarding the verification on this alleged debt. why is there another entity being notated in a letter that has nothing to do with resurgent or this alleged debt? when it comes to there dunning letter they sent me Resurgent is trying to collect on a debt that I owe to LVNV Funding LLC. now I believe LVNV funding and Resurgent are possibly under the same umbrella but the fact that they make it seem like XXXX is a original creditor is a violation. A debt collector can not be a original creditor. Resurgent has also failed to notate the full account number in there dunning letter. in conclusion Resurgent or LVNV funding or XXXX XXXX XXXX has NOT properly validated this alleged debt and they have violated the FDCPA on numerous counts. Resurgent has altered the original charge off balance that could have possibly re-aged this account. resurgent has falsly accused me of making a payment to there agency 2 months after they acquired the alleged debt. Resurgent claims that XXXX is the original creditor. Resurgent has threatened to return this account to active collection even tho the alleged debt has not been properly validated and is time barred. Resurgent has inserted another company XXXX XXXX XXXX in there correspondence. Resurgent is illegally trying to collect this debt under my name without any verification or contractual agreement that was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: CURO Intermediate Holdings
State: AL

Complaint narrative:
THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am writing this letter due to the actions that Midland Credit Management XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Midland Credit Management XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
Good Afternoon, This is a follow-up to complaint XXXX with Robinhood. Robinhood sent the IRS a 1099-B for a debt they " charged off. '' Robinhood sent me a letter last year stating that this debt resulted from identity theft. They also said the same in their complaint response. They blamed this on the " charge off '' action. However, because this was identity theft does not mean they are to charge this off against me. This goes against every regulatory procedure required for a company to handle identity theft. The IRS requires that the company correct the 1099-B reporting. I received no notice of the charge off. The only way I found this out was by looking up my IRS transcript. In due diligence, I'm trying to get this resolved. I'm going through the CFPB since they would not help me. I didn't want to give them my social and birth date at the time, as it was already used for identity theft as a result of their careless network security. They stated that they do not have an account that matched my name, address, or telephone. I will identify myself with the account number information as the last 4 of my social. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I change car insurance in XX/XX/XXXX. I got a call from the former insurance company after I change insurance stating I owe a payment from XX/XX/XXXX. Which is not true! I paid my insurance up until I switch to the other insurance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: AR

Complaint narrative:
I have filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: LA

Complaint narrative:
I entered into a loan modification because I was not able to go back to my pre-COVID job The job I have now pays 50 % less than the one I had for almost 30 years. In fact, I am in a totally different field since I am unable to do the work I did previously I was not in foreclosure when I requested the modification I received notification that my payments would be on a 4 month trial and if I complete the trial, I would be on a modification which was worse than I had previously but I was told by the company to take the modification or refinance. I could not refinance so I took the modification, I paid the first two payments by rapid pay through their phone system. They then reported me to the bureau for being late. After that fiasco, I overnighted the payments which were worse, they received it by the deadline but refused to credit it timely. They were received by the due date but never credited on time so they reported me again and my wife. This company Dovenmuehle does this to me all the time with a previous loan, I'm so sad XXXX ( I never had this happen with XXXX ) sold to XXXX XXXX who uses this servicer. I tried to resolve the matter by sending the servicer a notice of error See attachments They fixed the error once but then again trashed my credit Im still waiting on accounting for the lump sum payment they received in XX/XX/2021. I think this is retaliation for a previous reporting to this agency for their tactics This is all a violation of the FRCA. The account was supposed to be frozen during this period and now I checked my credit to see that they are saying I owe them over {$7000.00} after paying the four reduced payments. How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: WI

Complaint narrative:
I got XXXX XXXX at XXXX XXXX in XXXX XXXX Florida. I paid my copay of {$40.00} each time. I stopped getting therapy around XXXX. In XXXX I get a collection notice from Merchants and Professional Collection Bureau saying I owe {$330.00}. I called them saying I paid and asked for the back up. XXXX XXXX said she would not send me anything. I mailed the form back saying I paid and dispute any debt. 
I called XXXX XXXXs in XXXX XXXX. XXXX and XXXX were surprised I got a bill and both said don't pay it. XXXX sent me the ledger showing a column with Patient Balance at XXXX. 
In XXXX I get a letter from Merchants saying they have verified the debt and enclose a redacted copy of the letter. The column showing Patient Balance was whited out. I tried to explain this to XXXX but she wouldn't listen. I emailed XXXX and XXXX XXXX at XXXX XXXX enclosing the actual ledger showing I owed nothing. I have not heard from them. 
They probably have violated Sec. 807 of the FDCA by making a false representation of the amount of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS ACCOUNT IS NOT BEING REPORTED AS CLOSED. REPORTED AS PAID AS AGREED YET IS A CHARGE OFF AND THE BALANCE IS INCORRECT. THIS ACCOUNT IS VIOLATING MY RIGHTS UNDER THE FCRA AND FCRPA AND NOT EVEN REPORTING TO THE EQUIFAX ACCOUNT BUT ONLY IMPACTING MY FICO SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED AS A CHARGE OFF WITH A BALANCE OF {$7300.00}. THIS IS A CLEAR VIOLATION OF MY RIGHTS UNDER THE FCRA AND FCRPA. BALANCE IS ALSO BEING REPORTED AS INCORRECT AND NOT IN AGREEMENT WITH THE OTHER TWO MAJOR CREDIT BUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I've contacted all 3 credit bureaus. I'm extremely upset with how XXXX and XXXX have delt with me. I sent 2 letters to them, First dated XX/XX/22 second dated XX/XX/22. I was told they did not receive either letter. They wanted me to file a complaint over the phone with XXXX of their employees. I did. However i asked them to send copies of corrected information, which they could verify through the hard copies i sent of reciepts and statements i got off line showing accounts paid. I also asked them to remove collections they did not belong to me. I also asked that they send information to me where i signed an agreement with these companies who had me in collections on my credit report. A corrected credit report. My current Credit Score. 
Neither XXXX or XXXX sent this information within the 30 days given. When i did receive information they had it listed as VERIFIED. No proof with my signature that i was responsible for the debt. 
The debt collectors was Midland Funding, XXXX XXXX, and XXXX. 
Midland Funding sent nothing to me with my signature. I was sent a notice asking that I pay {$630.00}. Nothing with my signature showing I owed this company. I rceived nothing from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello. In XX/XX/XXXX I owned a XXXX XXXX XXXX vehicle. That vehicle had broke down in XXXX, FL and I had it towed a dealership called XXXX XXXX XXXX. XXXX XXXX XXXX would not work with me to setup a payment arrangement because at that time I had also lost my job due to Covid. So I had a monthly payment due as well as now the vehicle needed repair. I immediately sent an email back to the manager on XX/XX/XXXX advising them to pick up the car because I could no longer afford the payments. Please see first email attachment. The balance on the car at that time was a little over XXXX owed. I also spoke to the same manager over the phone and they also confirmed they will be sending someone to that dealership to pick up that vehicle. I then called the dealership and advised them to NOT work on the car since it will be picked up by XXXX XXXX XXXX Well months go by and I never heard another word from anyone. I just assumed the car was picked up. I was just waiting on the final deficiency balance to arrive in the mail. Well toward the end of XXXX early XX/XX/XXXX I started getting calls from XXXX XXXX XXXX looking for the car. I was soooo confused then followed by a letter in the mail stating XXXX of XXXX XXXX SOLD the car at an auction. How is that possible?! I then received a call from a tow driver asking when will be a good time to pick up the car? We are like 6 months into a new year and the car should have already been picked up but XXXX never picked up the car. I then forwarded a copy of the auction letter over to the tow driver who then stated he will be reaching out to XXXX XXXX XXXX since it showed he was looking for that car in my possession. Please see second screenshot of the letter. A few weeks later in mid XX/XX/XXXX I then received another call from someone in collection at XXXX stating I will owe the balance of XXXX ... .How the balance jump from XXXX to XXXX? That is not right. According to the law I was under the impression the car would be sold and I would pay the difference which is called a deficiency balance which should be way lowered than the XXXX... So XXXX XXXX XXXX has NO CAR to sell but yet displaying that full balance on my credit report. That balance is inaccurate and I need representation to get some help with clearing up this issue.

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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
my late wife XXXX XXXX had a double cash awards card in her name and my name XXXX XXXX as her spouse. she passed on XX/XX/2022 and had cash awards due her in the amount of {$580.00}. I have been trying unsuccessfully since approximately XX/XX/2022 to collect the awards and citi double cash awards card refuses to pay. I was told the cash was forfeited when the account was closed by a letter I received on XXXX XXXX. 
I have made numerous calls and have been lied to by all of the representatives I conversed with. the last four representatives told me I would receive a letter stating I would receive a check and then the check would be mailed shortly and of course I have never received a letter.the last one I spoke with was on XX/XX/2022. two of the representatives told me the check was in the mail. 
I complied with all their requirements they requested by mailing a copy of the will and a death certificate. they stated they did not receive items. I then faxed a copy of the will and the death certificate and one representative stated they had them. I was told when I closed the account I would be receiving a check that was due me.

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 monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
My payroll is directly deposited into my checking account biweekly on Friday morning just after XXXX midnight. I pay bills as normal both Friday and Saturday with my debt card with no problems. Now, I thought debit purchases come directly out of the account. Why is it that I have had insufficient funds for the past three pay periods because Arvest puts the transaction? I have been charged four insufficient charges today and it should only show one. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: TX

Complaint narrative:
I have XXXX hard inquires from XXXX XXXX and I did not apply for any credit with XXXX XXXX and did not authorize them to pull my credit file.

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 2022-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage
State: LA

Complaint narrative:
On XX/XX/2022, my significant other and I initiated a mortgage refinance loan application with E Mortgage. We were told our approval rate had gone down 2 days prior to the closing day of the loan. Once we got to the closing with the assigned notary the documents did not align with what was discussed. It turned out we were paying for a points-by-down. We never agreed to such a commitment. We didn't get the opportunity to review the closing disclosure until the afternoon of closing. I noticed the fees didn't add up so the loan officer was called to briefly go over the document Closing Disclosure. We didn't get a realistic time to review the document in its entirety. 

Fast forward to XX/XX/2022, checks were disbursed for payment to creditors. Multiple checks were not the pay-off amount that was due to the creditors at the time of processing the loan. The accounts weren't utilized and the final balances were off by several dividend amounts. This caused a continuous stream of interest and credit card debt. We are currently paying a higher mortgage with half of the accounts still having a remaining balance. Multiple credit card accounts were also CLOSED due to unauthorized payments and returned checks. ( same issuing creditor for multiple accounts ). It is now XX/XX/2022 and payments still are returning after the reissuing of the checks. With the same inaccurate amounts.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-30 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: NJ

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.

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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I contacted Cash app, also XXXX XXXX, about a fraudulent transaction that was made in the amount of {$100.00} to XXXX. It was a payment I made for a product I never received. Cash App, also XXXX XXXX, refused to investigate it, stating that the payment was automatic and could not be reversed. However, pursuant to Federal Deposit Insurance Act, my account is insured {$250000.00}, per depositor, per insured bank, for each account ownership covered. Cash App, also XXXX XXXX, have denied me the right to investigate fraud related to my account according to the FDIC.

Company response to consumer: Closed with explanation