vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX. In the letter they stated they took over the servicing rights from XXXX loan servicing. This stated in their letter that XXXX XXXX as trustee of XXXX pass through trust XXXX Is the creditor to whom the debt is owed. 
I disputed the debt and validation was requested With a certified return receipt letter dated XX/XX/XXXX. 
I sent them two letters on XX/XX/XXXX. 
XXXX See attached XXXX They did not reply. 

I asked Mr. XXXX  many times for a recorded assignment of mortgage showing XXXX as creditor. 
They never provided assignments and records in land Court Hawaii never showed XXXX on record. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I disputed XXXX XXXX XXXX Notice via Certified return receipt mail on XX/XX/XXXX. National creditors connection received it on XX/XX/XXXX ( see attached letter XXXX Their letter to me was sent on behalf of Mr. XXXX regarding an account with a debt of XXXX. 

30 days later XX/XX/XXXX I received another letter from XXXX Hawaii XXXX hired by Mr XXXX ) stating XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee XXXX pass through XXXX XXXX claiming a debt of {$420000.00}. 

XXXX See other complaint # XXXX XXXX They were advised by Mr. XXXX  about the amount of the debt and they were advised that the name of the creditor to whom the debt is owed is XXXX. 

XXXX owns XXXX/Mr. XXXX. 

I personally called XXXX XXXX XXXX and recorded the call on XX/XX/XXXX to verify the letter I received from them on behalf of Mr. Cooper. 

They verified that the information in their letter was 100 % true and correct regarding the stated debt that was owed to XXXX. ( I have a recording of the call with XXXX XXXX XXXX ) On XX/XX/XXXX I called Mr. XXXX XXXX 
They stated to me that on XX/XX/XXXX they see in their records that FORTRESS was the creditor. 

On XX/XX/XXXX I spoke to XXXX XXXX of national creditors connection. 
She verified the notice I received from XXXX XXXX XXXX was accurate and they were hired on behalf of Mr. XXXX. 
She verified with me that national creditors on behalf of Mr. XXXX  sent someone to my home on XX/XX/XXXX at 12 noon. 

XXXX XXXX XXXX XXXX address is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, California XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX nor Mr. XXXX ever responded to my dispute letter to XXXX XXXX XXXX. 


Law firms representing the trust attempting to collect amount due from default in homeowners or properties in the trust the debt collection activities violates the federal fair debt collection practices act because the trustee had no right to pursue collections or foreclosure where it lacked a valid assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
There is a medical debt in my credit report. I received a phone call from a collector ( paramount ) several months ago. I asked what the debt was in reference told. I was told it was in reference to a XXXX center in XXXX, Tx and was given a date a couple of years prior in the month of XX/XX/XXXX. I was told it was an anesthesia debt. 
I did not have any procedure at that office that would involve anesthesia. I immediately called the XXXX XXXX in XXXX Tx ( XXXX XXXX, who is my XXXX ) to check for any outstanding debts. I spoke with a billing clerk who located the last date I visited. It was confirmed that no outstanding balance that was owed. 
Paramount called back a few days later and I informed them of the information above. I did not hear anything further from them. I noticed my credit score drop, checked and found that this debt was on my report. 
It is not a valid debt, it is not a procedure that I had, furthermore, the office confirmed I did not owe, nor had they submitted any debt owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I California Business Bu has medical records in my name that I did not authorized this company to have. They are stating that I owed them {$1200.00}. Medical records are personal, and I don't know they got them. I did not authorized XXXX XXXX XXXX XXXX XXXX to give a collection. I have reach out to XXXX Credit Report many time, and I have not gotten any help. My credit is destroyed my this collection Department. 
I want this collection removed off my credit, and I want a investigation done to fine out how this company got medical records that I did not authorized. Can you help me with this situation. I don't think this is fair for a collection company to steal or buy medical records for their own personal gain. 

Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have attached my billing statements that include all the payments I have made on my account. I have bern trying for months for this company to correct my balance that is showing I am past due from XXXX and I am not past due at all. Ive spoken with several people at the executive office that stated they were going to fix this issue and it has not been resolved. They are stealing my money because I've made my payments! Ive even had representatives from the executive office tell me they've done an audit on my account and they know it's showing incorrectly and it would be fixed. Told me the dollar amount I owed in XXXX. I paid that and she assured me my account would be corrected. Now Ive gotten a repossession notice in the mail. They are giving me the run around and I want this resolved. If my car gets repossessed behind this I am pressing charges. They are outright stealing my money. Then acting like they don't know how to fix it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
I was behind on HOA dues. I was sent to collections. Fees were added. The company wants to charge me {$30.00} dollars a month to accept a payment arrangement. They also threatened foreclosure on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously was a victim of identity theft

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 2020-01-19 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: IA

Complaint narrative:
The following credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent, unauthorized and not my credit inquiries : XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/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 2020-01-19 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: IA

Complaint narrative:
The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX/XXXX/XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX   XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.

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 2020-01-19 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.

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 2020-01-19 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 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: MN

Complaint narrative:
The following accounts listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I sent Experian, XXXX and XXXX XXXX a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : 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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously was a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously was a victim of identity theft

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 2020-01-19 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: MN

Complaint narrative:
The following accounts listed on my XXXX, XXXX  and Trans Union credit report are fraudulent, unauthorized and not my accounts : XXXX, Total Card, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. I sent XXXX, XXXX  and Trans Union a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : 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 2020-01-19 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: MN

Complaint narrative:
The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I sent XXXX, Equifax and XXXX XXXX a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I WAS TOLD THAT THIS ACCOUNT WAS GOING TO BE REMOVED FROM PRA! Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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:
I'm completing this complaint because I'm beyond frustrated with EQUIFAX credit reporting agency in regard to my credit file. I have been trying for over 3 months unsuccessfully to access my report and I have gotten no assistance from this company. From what I have researched this is a violation of my rights and needs to be addressed. I have tried to access my information online to remove my credit freeze and review my information and despite verifying my information there are reseting my password I'm repeatedly prompted to call XXXX. This is a never ending phone loop that requires you to enter your information before being transferred to a person. Once you are transferred to a person you are still required to answer the same questions AGAIN and more. EVERYTIME I call I'm forced to ask for a manager that speaks and understands english because the people that answer the phone do not. I've called at least 3 times and I'm extremely frustrated with the lengthy waste of time as well as the fact that EVERYTIME I ask for a supervisor I'm either transferred to the 2 question survey, hung up on, or repeatedly aggravated by the repeating myself MANY times because I'm instead transferred to a different representative. I should not feel that my personal information is being held hostage by foreigners!!! What good does it do me to ACCURATELY verify my information DIRECTLY FROM MONTHLY BILLING STATEMENTS and the person on the other end doesn't comprehend me! I have a freeze and ONLY I HAVE THE PASSWORD AND IT'S ME but I can not get my own information. I'M TIRED OF THIS AND NEED TO EXCERCISE ANY RIGHTS I HAVE TO ENSURE THIS IS FIXED AND EQUIFAX IS HELD ACCOUNTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: SC

Complaint narrative:
I have never needed nor have i ever took out any type of loan for an education. I didn't even go to school after high school. This is not my debt. There is no reason to try to collect a debt from me, because my credit report is clean, except this and i don't owe any companies money, or in collection status. This is not my debt. Remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/19 I got an alert from my XXXX credit card that I had a delinquent account reported from XXXX. Upon checking, I saw that my credit score decreased from XXXX to XXXX. The credit report stated that Nordstrom reported my Nordstrom  credit card as delinquent for an {$84.00} balance. I was very shocked because I had set up an automatic payment on the due date, so I reasoned this was a mistake. 

On the same day, I called Nordstrom and asked them to report my account as current because I had set up payment for the due date of XX/XX/2019. They said the payment was returned to me but couldn't tell me why. I said I had no idea that my payment was returned, that I never got any statement or letter to notify me of the returned payment. If I received it, I surely would've paid on time because it was just {$84.00} and I have a very good credit score and history. I felt it was a violation of UDAAP, ( unfair, deceptive, act and practice ) because I never got a letter beforehand for the return, and after 60 days the account was reported delinquent. It is very unlikely I was trying to cheat the bill. Nordstrom ended up telling me to file a dispute with the credit agencies. I also paid the {$84.00} balance on the phone just so that my account would show as current again. 

Later I wrote a dispute to XXXX and XXXX explaining my situation and attached supporting documents that I had set up payment to pay on the due date, but the payment was returned to me. I explained that I never received a statement and letter and to report my credit as current as I had intended to pay it. Both credit agencies returned a decision back to me saying that my credit score was unchanged and therefore the credit file would still say my Nordstrom card was previously delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation