vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$330.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE 2.1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$810.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE 3. 1.NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$290.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS C0MPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: GA

Complaint narrative:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

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 2021-08-29 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: GA

Complaint narrative:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Well my account was fine in the morning, then I looked again and {$1200.00} was taken out of my checking account due to card claim reversal of credit. Making my account - {$1200.00}.

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 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Opened XX/XX/2021 ( {$2200.00} ) I reached out to both the credit bureau 's and the actual debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an email saying that my account is permanently suspended, without any instructions regarding how to get my remaining {$600.00} balance back. My online access was imediately banned and I can't even access my account statement. Called customer service but no one picks up, because my account was banned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 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: CITIZENS FINANCIAL GROUP, INC.
State: WV

Complaint narrative:
In XX/XX/2021 I received an e mail from Citizens One stating that I owed them money for something called XXXX XXXX XXXX I called attorney general office in West Virginia where i live and they told me to disregard it. I have applied for no loan at this company. So every month I would receive e mails and i did not open just deleted. After two months I received another e mail for more money so i checked my credit report to make sure this was not on it. It shows on my credit report and past due amounts. Last e mail i received that i opened says i owe XXXX by XX/XX/XXXX. I called citizens on they are affliated with Citizen Bank in Rhode Island. When i called Citizen One they wanted my social security number and date of birth which i told them if i supposedly had a loan they should have it and did not give it to them. They said they were going to put fraud on account and would send out papers to fill out in next 2 weeks. I contacted all three credit bureaus and put freeze on all three. I called Citizens Bank to check to see if I had loan there since they are together. They said no. This was all done on Friday XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
I have attempted to resolve this issue on several occasions with Sallie Mae. I contacted the company 's customer service department in XX/XX/XXXX and explained that I had been laid off from my full-time job with a law firm due to the Covid-19 pandemic in XX/XX/XXXX. I further explained that a job offer that I received with the federal government was rescinded in XX/XX/XXXX due to budgetary reasons. I also informed the customer service agent that I could only obtain temporary work at the moment and that full-time hours were not guaranteed. The agent failed to offer me a deferment in order to temporarily stop payments. The agent stated that I no longer qualified for a deferment. A denial email was sent on XX/XX/XXXX. The agent then offered a plan that required me to make interest only payments on the loan. These payments amount to {$220.00} per month. I can not afford this monthly payment due to my loss of income. When I requested that the loans be remodified ( lowering the interest rate which lowers the payment ), I was denied this request without explanation. The agent simply stated that you can afford to make the payments of {$220.00} per month based on the financial information provided to Sallie Mae. I can not even pay rent for housing at this point. There is an arrears of rent at this point, yet Sallie Mae claims that I don't financially qualify for my loans to be remodified. In addition, the agent that spoke with on XX/XX/XXXX claimed that she worked in the loan modification department and was extremely rude. She stated that my loan payment would only be reduced by an insignificant amount so she didn't understand my need for modification. I would like her unprofessional behavior reported to management. At this point, I must borrow {$220.00} to pay the past due amount and prevent the negative reporting of information to the credit bureaus. However, the loan payments are 45 days past due so another {$220.00} is still due to bring the accounts current. This I can not afford at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am so sick and tired of dealing with the credit bureaus I have been trying to get them to remove all this misleading information from my credit report and nothing has been done to help me. I sent letters to this this year on XX/XX/21, XX/XX/21, and XX/XX/21 to let them know the errors and I have not heard anything back from them. I didn't get any mail, email, call, text, nothing. I make okay money now but can't get approved for anything this is holding my life back I need help someone must stop them!

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 2021-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: PA

Complaint narrative:
UNIFIN sent me a letter on XX/XX/2021 stating that I owe an alleged debt XXXX XXXX XXXX, in the amount of {$7900.00}. In the first letter it has 3 different amounts that I can make payment to UNIFIN. I sent a Validation letter to UNIFIN on XX/XX/2021. UNIFIN 's response to the Validation Letter was with court documents with a Civil suit bought against me by XXXX XXXX XXXXXXXX XXXXwho was hired by XXXX XXXX ; prior to UNIFIN taking possession of the alleged debt. I believe XXXX XXXX XXXX sold my personal information to the XXXX XXXX or hired to sue me for the alleged debt, then it was sold to UNIFIN. 
I believe XXXX XXXX XXXX XXXX ; Attorney XXXX XXXX XXXXXXXX XXXX and UNIFIN debt collection company are all working together. 
I never gave XXXX XXXX XXXX permission or consent to sell my personal information or to give my personal information to any third party or affiliates. 
I never gave XXXX XXXX or XXXX XXXX XXXX, XXXX. permission or consent to sell my personal information to any third party or affiliates. 
XXXX XXXX and the XXXX XXXX and XXXX XXXX XXXX, XXXX. never gave notice of the lawsuit that was filed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am so sick and tired of dealing with the credit bureaus I have been trying to get them to remove all this misleading information from my credit report and nothing has been done to help me. I sent letters to this this year on XX/XX/21, XX/XX/21, and XX/XX/21 to let them know the errors and I have not heard anything back from them. I didn't get any mail, email, call, text, nothing. I make okay money now but can't get approved for anything this is holding my life back I need help someone must stop them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I C System at XXXX XXXX  XXXX XXXX , XXXX XXXX, MN XXXX has been sending me collection notices about {$640.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " Capital One ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " Capital One '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " Capital One '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: LA

Complaint narrative:
ENHANCED RECOVERY COMPANIEES AT `ERCXXXX XXXX XXXX XXXX, FL XXXX Has been sending me collection notices in the amout of {$490.00} the collection has been reported as past due. I doXXXX not know this company. I have never done any business with this company. this company does not have a contract with my signature!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I noticed LVNV FUNDING, LLC is reporting an account on my consumer report ( XXXX  and XXXX  ). I know that after a debt collector contacts you about your debt, you have 30-days to request debt VALIDATION according to the FDCPA. To which I submitted multiple debt validation letters via certified mail to the debt collector. Under remarks it even reads " consumer disputes this account information. '' Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector, in this case, LVNV FUNDING, LLC is supposed to obtain VERFICATION, not validation of the said debt. XXXX did you VERFIY the alleged debt because no documents supporting the VERIFICATION of the said debt was provided. Furthermore, how can a debt collector say they gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates.

LVNV Funding LLC is a company known for buying charged-off accounts from companies like credit card issuers and personal loan lenders. We know that a charge-off is a debt that an original creditor has given up trying to collect on after a number of tries. This company brings in an annual revenue exceeding $ XXXX. What's crazy is that it is completely ILLEGAL for anyone outside of the Federal Reserve Board to use Federal Reserve Notes aka FRN 's from a consumer to make, what you all like to call it " payments '' towards an alleged debt ( according to 12 USC 411 ), especially any " LOAN '' where we know the consumer extended credit to themselves, solidifying the fact that any " CREDIT TRANSACTION '' was already paid for with a consumers social security " card ''. ( define credit card ). So contrary to what is portrayed on my consumer report, LVNV Funding, LLC did not give ( loan ) me anything. I am the original creditor according 18 USC 914. Keep in mind, the statute of limitations on this said debt is up in relation to where I reside ( 6 years ).

YOUR ( LVNV Funding, LLC ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct : the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt. 


I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ), I never gave written instruction for this company to furnish any information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
CEASE COLLECTIONS EFFORTS OR FACE CLASS ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: NY

Complaint narrative:
To whom it may concern today XX/XX/2021 i am looking at my credit report over the past 2 months and there is a card that says i am late and i have no knowledge of this card. This was not opened not by me. This is fraud. XXXX/XXXX  i am not responsible for any of this. I have no knowledge of this account. I never signed anything for this card or applied. I do not owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: PA

Complaint narrative:
I submitted several disputes and submitted and FTC report for fraudulent hard inquiries listed on my Transunion report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX 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 2021-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
Umb did not send me my credit card or open an account. I have a high credit score and should be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: FL

Complaint narrative:
On XX/XX/2021 I sent Experian a letter disputing the XXXX XXXX account they are reporting on my credit report. They responded with a letter on XX/XX/2021 saying they had completed their investigation and this account was verified. I disagreed with their report and send another letter on XX/XX/2021 asking for another investigation with proof of who they verified the account with as well as to delete the account. On XX/XX/2021 I received another from Experian stating the item was again verified. I sent a letter back on XX/XX/2021 with proof that the account was not being reported accurately and asked for a deletion. On XX/XX/2021 I received a letter stating they have previously " processed this dispute and the credit grantor has verified its accuracy '' and did not further investigate. I sent my final letter on XX/XX/2021 as a formal notice of my intent to file with the XXXX  and cfpb due to the erroneous account still reporting after failing to be verified with multiple requests. I received notice on XX/XX/2021 that experian verified my account as accurate. 

This item needs to be deleted from my credit report as it has failed to be verified.

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 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices about {$990.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: GA

Complaint narrative:
IQ DATA INTERNATIONAL {$4200.00} XXXX XXXX. 
UNDER 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX XXXX never gave IQ DATE INTERNATIONAL any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation