vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
This is a workmans comp issue. I sent copies of all the medical bills to the XXXX XXXX ( my employers insurance company ) for payment. For some reason they paid all of the bills but this one. I also informed medicredit and XXXX XXXX XXXX that XXXX XXXX was responsible for this bill. I mailed copies of all the paperwork and verbally gave them the information over the phone several times. I gave them the injury claim number, phone numbers, address and contact information. This bill is not my responsibility.

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 2019-09-28 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Closed my account by paying it off in its entirety with Well Fargo on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called Wells Fargo to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX and provided them the letter showing them the investigation, dispute with Wells Fargo, and the results of the retraction, yet XXXX will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. Wells Fargo is criminal enterprise and should not be reporting on anyone 's 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 2019-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XX/XX/XXXX, I was in a car accident and my XXXX leased XXXX was totaled. My lease was with Hyundai Capital Finance. On XX/XX/XXXX the account was settled with my car insurance, XXXX. I spoke with both companies to confirm that there was nothing else I needed to do and they both said everything was settled. 

On XX/XX/XXXX I got a new credit report in which my score went down by more than 120 points due to an unpaid balance of {$1000.00} with Hyundai Capital Finance. On XX/XX/XXXX, I proceeded to contact the company to ask what this debt was about. The agent I spoke with informed me it was money my insurance company didn't pay originally. I asked this agent why they did not attempt to contact me before marking my account as negative on my credit report. The agent said that they sent a letter to an address I haven't lived in for the last two years. My follow up question was why they did not attempt to call, email me, or contact the co-signer of this lease, to which the agent responded, " That is not our policy. We just send one letter and if we don't hear from you we send it to our debt collector agency. '' I told her that no collection debt agency had attempted to contact me in regards to this debt, so how could they ruin my credit without ever attempting to contact me? She said she could not speak to the process, but that I could try to contact XXXX and XXXX to dispute the claim. On XX/XX/XXXX, I promptly paid the debt and sent out letters to both companies and one to Hyundai 's Dispute Center. 

Now, XXXX and XXXX  have updated the account as paid and did not take any action in regards to my dispute about not being properly informed of such debt. I called Hyundai Motor Finance again on XX/XX/XXXX and spoke with another agent. I asked him if I could speak with the dispute center because I do not believe it is fair that my credit went down over 120 points when I have never made a late payment in my life. He told me all I could do was contact the credit agencies, both of which have not done anything. I have not heard back from Hyundai 's Dispute Center I promptly paid my debt and if you look at my credit report, I have never made a late payment in any of my accounts. This decrease in my credit score will negatively impact the next decade of my life. As a law student, I depend on my good credit I worked for to get good interest rates with my loans. I have been diligent in my payments to make this 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 2019-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group
State: NY

Complaint narrative:
A1 Collections aka Traf group has ignored my requests for them to validate the alleged debt they are reporting to the credit bureaus. I sent a letter asking them to validate the debt on XX/XX/2019. I received no response within 30 days I sent them a follow up letter on XX/XX/2019 asking them to delete the negative item because they failed to validate the debt within 30 days. Not only have they willfully violated the FDCPA by still reporting it but they sold my information and there is a second company named XXXX XXXX XXXX trying to collect the same amount they allege I owe to them at the same time as A1 collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: MA

Complaint narrative:
Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet XXXX  will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's 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 2019-09-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact XXXX  and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet XXXX  will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: MA

Complaint narrative:
Closed my account by paying it off in its entirety with XXXX XXXX on XX/XX/2019. Unknown to me they charged my account ONE days interest for XX/XX/XXXX and billed me after my account closed. I then received a collections letter for a late payment - that I never knew existed, and never received a standard bill for. I called XXXX XXXX to dispute the retroactive billing, the lack of transparent charges, and there handling of it. They investigated my complaint and withdraw the {$13.00} charge for one day interest but still reported it as late to the credit bureau. I went to go refinance and low and behold my credit score has dropped because this interest that should not have been charged but if it was should have been billed properly and was being investigated and then retracted has now dropped my score 40 points and messed up my perfect credit. I contact Experian and provided them the letter showing them the investigation, dispute with XXXX XXXX, and the results of the retraction, yet Experian will not remove it. 
It has cost me financially with my credit score, made it impossible to refinance at a good rate, and my next step is to contact the AG of Mass if this cant be resolved, as well as the press. XXXX XXXX is criminal enterprise and should not be reporting on anyone 's 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 2019-09-28 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-09-28 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-09-28 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: KS

Complaint narrative:
This is a workmans comp issue. I sent copies of all the medical bills to the XXXX XXXX ( my XXXX insurance company ) for payment. For some reason they paid all of the bills but this one. I also informed XXXX and XXXX XXXX hospital that XXXX XXXX was responsible for this bill. I mailed copies of all the paperwork and verbally gave them the information over the phone several times. I gave them the injury claim number, phone numbers, address and contact information. This bill is not my responsibility.

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 2019-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
I have been receiving harassing phone calls from Phoenix Financial. When I called back after a missed call today to find out who they were, they didn't identify themselves as a business, wouldn't tell me who they were, and stated they've been calling me for over a year so I should know who they are. The representative who I think was named XXXX XXXX, then hung up on me. I called back a second time and reached a XXXX who when ask, said he was with Phoenix. When I ask why they were calling he told me I called him and ask if we were going to play around on the phone, and this was an inbound line. He then also hung up on me. These collection practices are outrageous and the way i was treated is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: NY

Complaint narrative:
Thank you for the many corrections you made in credit report XXXX. IRS verified identity theft necessitates 8 matters requiring resolution : 1. Delete XXXX and replace with XXXX 2. XXXX XXXX/XXXX was never authorized by me. Please provide XXXX XXXX/XXXX  signed authorization or immediately delete this FRAUD from report 3. XXXX XXXX/XXXX  was never authorized by me. Please provide XXXX XXXX/XXXX  signed authorization or immediately delete this FRAUD from report 4. XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 5. TransUnion Interactive IN was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 6. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 7. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report 8. XXXX XXXX was never authorized by me to make inquiry. Please provide my signed authorization or immediately delete this FRAUD from report Please reference attached .pdf 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 2019-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing has refused to remove the {$2500.00} charge for Other Deferred Amounts from our monthly statements. The amount in question represents three monthly payments they posted to our account subsequent to the date they purchased our mortgage. There are four issues in this matter. 
1. The {$2500.00} amount represents three payments of {$860.00} for the months of XX/XX/2014, XX/XX/2014 and XX/XX/2014. 
2. This amount was not included on our monthly statement when XXXX  XXXX XXXX was the servicing agent prior to the mortgage being sold to Shellpoint Mortgage. 
3. These charges were applied to our account by Shellpoint Mortgage Servicing retroactively subsequent to the date they purchased our mortgage from XXXX  XXXX XXXX. 
4. Paragraph # 4 of the modification states in referring to Deferred Principal Balance I will not pay interest or make monthly payments on this amount. 
The significance of this is with Shellpoint including this amount in the monthly payment statement it becomes Past Due which triggers inspection fees, late charges, Notices of Intent to Accelerate and other fees. 
This situation violates the terms of our mortgage. More seriously this mortgage has been sold twice in four months with serious problems in the transmission of the current financial data. My question, is this an attempt to defraud mortgagees with selling and transferring the mortgages?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
My truck was repossessed on XX/XX/XXXX, the repossession company never contacted me about when I could get my items. We have tried calling several times and the phone just hangs up. Yesterday at XXXX central time I was able to get through to the company. The man on the other line said he was the owner, I asked him where my personal property was and he said he didn't know as his place is a mess. He read me a log from his workers and when I asked for that date he became verbally abusive and would not let me talk and called me a " little XXXX '' and " that your not a man because you can not handle your responsibilities ''. I tried numerous times by saying " Sir I just want to get my stuff ''. He continued to verbally abuse me, and then hung up on me after telling me I can not get my personal items. 
The company is XXXX XXXX XXXX and XXXX, XXXX. This business is 4 hours one way from where I live and where the vehicle was repossessed from. I have been unable to secure a vehicle to get there, and am frantically working to get one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello- After looking at my bank statements in details. For months ( maybe years ) I have been charged {$17.00} by Equifax for a service I never signed up. I know I asked for my credit score and report but never signed up for any recurring charge. I know I have it on my statements for at least 1 year and even before that charged around the XXXX of every month. I am so upset because I never signed up for this and I never even logged in to Equifax or anything to sign up for this. This is theft by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief