vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
My mother in law had an apartment that I cosigned on at the XXXX. We reached out to the company who managed the apartments through a tenant advocacy group to try and rectify grievances that we had with the apartment, mainly an infestation of roaches that came through the vents. We didnt get the help we needed from the apartment, so we broke the lease as was our right. The apartment complex claimed we owed money to them, and we argued the conditions were not safe and they neglected their duties to fix issues in the apartment. This happened in XXXX, we had not heard back from the apartment, or anyone about this matter so we had assumed it was resolved. XX/XX/XXXX, I received a phone call at work from a debt collection company called us collections west, they informed me that there was a debt placed by the XXXX. I informed the person that I did not want them calling me at work, the person said she could still call my boss. I found out later that my mother in law had talked to them before they called me and informed them, they were not to call me at work. I spoke to her manager 2 weeks later about this issue, and I was told it was put on a disputed status no further action would be taken at that time. I asked for validation of debt at that time and didnt receive it. In XXXX I spoke to them again and informed them I still had not received the validation of debt and was told they hadnt received it back in the mail, so it was out of their hands. Im now getting a letter from a lawyers office claiming a different amount was owed, but they didnt send a breakdown of how that amount was settled on. As of this complaint I still havent received a single piece of mail concerning my validation of debt, and theyve already put this on my credit.

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 2019-10-08 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: GA

Complaint narrative:
Hello, I have a new credit card with XX/XX/XXXX for XXXX and it was only added to XXXX. I spoke to XXXX and Experian and they stated the Merchant has to add it. However, XXXX did report to all three bureaus that they updated this information on there part. 
I really need this information to show up because it will help with my utilization that was the purpose of the card. Can you please assist me in this manner with the situation.

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 2019-10-08 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: Convergent Resources, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a Collections Notice from Convergent Outsourcing dated XX/XX/XXXX, to pay {$210.00} within 30 days or be reported as delinquent to the credit bureaus ( copy attached ). This was the result of my complaint about XXXX 's billing practices that I had filed with the FCC on XX/XX/XXXX.

On XX/XX/XXXX, I called Convergent Outsourcing and told the account representative XXXX that I had been in the process of disputing XXXX 's actions with the FCC. She told me she would put the Collections Notice " In Dispute ''. This will give me extra time to settle this matter I had complained about the fact that XXXX had suddenly stopped billing me in XX/XX/XXXX. 
From XX/XX/XXXXuntil XX/XX/XXXX, I had received bills by mail. After that, I received a monthly SMS text bill through XX/XX/XXXX. As of XX/XX/XXXX, I did not receive any bills. In XX/XX/XXXX, I called XXXX and talked to XXXX, who told me that I would be billed by email. 
My inbox remained empty. On XX/XX/XXXX, I paid XXXX {$69.00}. On XX/XX/XXXX, I started getting loud, abusive robocalls from XXXX dunning me for money. They were also hijacking my voicemails, then they cancelled my phone service. 

After the FCC served XXXX with my complaint, Mr. XXXX emailed me and asked to talk to me. I made a Call Report, attached. 

I have documented the communications between XXXX and myself in the attachments file. 
1 ) Collections Notice 2 ) Call Report XX/XX/XXXX 3 ) XXXX letter 4 ) My rebuttal, 1st letter 5 ) Call Report XX/XX/XXXX 6 ) XXXX letter, p. 1 7 )  XXXX letter, p2 8 ) My rebuttal, 2nd letter

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 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CHECK INTO CASH INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I went in to a check into cash and inquired about obtaining a second payday loan ( already had one with there company ) and she said yes it was okay to have 2 loans at the same time. This was incorrect, I was Auto denied because per check into cash customer service you can Only have one loan at a time. So I was deceived into signing a credit check disclosure. If she would have given me the correct answer of course I would not have applied. I spoke with check into cash customer service and they let me know only one loan was allowed at a time, I notified  them about the wrong information given in store and filed a complaint with request to remove the inquiry. 30 days later I was a sent the signed disclosure saying I signed it. Even though the rep either knowingly lied or did not know and neglected to make sure that I was able to have a second loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX charged off a secured credit card for {$320.00} in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX. This was a secured credit card, meaning the money was given to them to extend credit. They are reporting as a charge off on my credit report which is incorrect. The monies allocated for the secured account would have went towards any balance owed on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union ( NFCU ) forcing me to borrow money for insurance when I do no need to borrow. 
I searched for,, squired, and paid for a mortgage insurance before closing on my mortgage, the loan processor insisted that I am doing it wrong, that the insurance is usually added to my monthly mortgage payment, then, paid the said amount into my account and added it to amount financed. 
Is this legal? to force me to finance the insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is relating to existing complaint XXXX. 
We now received a " standard '' letter from Equifax suggesting that they can not find my credit file AT ALL, siting three potential reasons, none of which apply. 
All indications are that EQUIFAX are resolving complaints with an automated application which couldn't read my name correctly - see attached. 
We are asking for an escalation of the resolution of the practices of this menacing company. We are not able to engage freely in commerce because we are obstructed in lifting the self-managed credit freeze - this IS AGAINST THE LAW OF THE LAND!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: N.A.R., Inc.
State: UT

Complaint narrative:
XXXX XXXX Sent Debt to Collections of Overdraft Fees. 
Which should of Been Reclined as Payment Plan I was offered. 

I disbuted the Amount oweing I sent in Several bank Statements with this amount is conflicting with the one the Debt shows which is over {$500.00} difference Is sent to Collections again shows on my Credit Report Still getting monthly bank Statements from this Bank Now I have Garnishment of my Payroll and this has Caused me A Historical Catastrophic Financial Response Taking my pay out of 20 % Also XXXX XXXX XXXX XXXX XXXX i had 27 hrs taken off also I am now Facing Debt Home Utilites Vehicles Insurances etc etc Damaging Threatening Occuring The Bank gets there {$1100.00} while I am now facing Repossions More Debt Higher Intrests Credit Damage Behind in Payments for what something that happened of {$190.00} in the Beginning If they had only sent me proper Documents and correspondence I would of Known to Resolve I tried to go in there and Resolve Oh we cant your account is closed but why are you sending me Monthly bank statements..They rather get triple the amount Proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
The flood damage has compromised the cars computer and safety mechanisms, which poses significant safety hazards to me and my family.The vehicle became inoperable in less than a week with multiple malfunctions ; oil leaks, oil changes, break replacement, tune ups, electrical issues, engine replacement and repairs, temporary/expired tags and now the steering wheel shakes when Im driving the vehicle, and transmission stops and stalls while driving 70mph on the freeway. Due to the known inoperative various defects on the vehicle and the recall not being honored the car was in an rear-ended accident and the airbags did not deploy putting me and my family at risk.

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 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX I took out a loan with Spring Leaf financial ( Per conversation with Spring Leaf and her consumer credit report ). XXXX XXXX, Spring Leaf, and One Main Financial merge companies. My consumer credit report states the loan was closed on XX/XX/XXXX due to refinance of account. On XX/XX/XXXX there was a civil judgement filed against me stating that I took out a loan for {$5000.00} with XXXX XXXX and it was unpaid. I contacted One Main and they stated they sold the account to Spring Leaf. I contacted Spring Leaf Financial and they indicated to me they had sold the loan to XXXX XXXX. I contact XXXX requesting copies of the orginal loan documents with my orginal signature stating I have a {$5000.00} loan with XXXX XXXX they stated they do not have the file however the original loan from Spring Leaf had been written off. We are asking for a satisfaction of Judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: MS

Complaint narrative:
I was on an Income Driven Repayment plan for my student loans so I owed {$0.00} on my student loans. Apparently they sent out mail to an address that was incorrect about the billing. Therefore, I did not get it. I got a call the other day from a loan servicing and talked to them and they transferred me to someone else and had all of my loan information wrong. I looked at my credit today for the first time in a while expecting it to go up because I had been paying my stuff. It went down 142 Points. I called today and they set me up with a new account to where I can get renewed on another repayment plan. I asked them if they would remove the report from my credit where they said I had been late on all my student loans for the couple of months. They told me to reach out to someone else and dispute the credit report on them since I didn't know I was late at the time. I need this taken off of my account, because my credit was in the low 600s and now its around XXXX because of this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
creditor : resurgent captial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, sc XXXX ( XXXX ) on XX/XX/2019 we had sent a notice of dispute of debt and request for debt validation to the creditor listed above, which is listed on our credit report. We have not heard anything back, and it has been over 30 days. We do not know what this debt is, and any attempt to try and figure it out has been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I complain that mortgage company LoanCare doesnt send me payoff loan documents and a statement that my mortgage was payed off. My loan # ... ... XXXX. I paid my mortgage in full on XX/XX/2019. 

Previous loan mortgage company XXXX transferred my mortgage loan to LoanCare company which started to collect payments in XX/XX/2019. First/ Last statement I got from LoanCare was dated XX/XX/2019. No more statements after I paid mortgage off. 

I tried to call LoanCare few times and was told that I will get canceled mortgage deed of trust by mail.But no documents in mail so far. Last call was today but nobody returned my call.

Please help me to resolve this issue and get those documents from LoanCare mortgage company.

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 2019-10-08 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  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 explanation
Consumer complaint received 2019-10-08 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 explanation
Consumer complaint received 2019-10-08 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX NWIDE RECVRY XXXX NWIDE RECVRY 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 NWIDE RECVRY XXXX NWIDE RECVRY 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 Southern 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, FL XXXX

Company response to consumer: Closed with explanation