vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I received a voicemail yesterday XX/XX/XXXX regarding a lawsuit for an outstanding auto loan already on my credit report. I returned the phone call to hear it was XXXX XXXX XXXX  that called from phone number XXXX XXXX XXXX. The person was extremely rude asking me why I have not paid the loan off. I disconnected the call because I already knew that XXXX XXXX XXXX XXXX XXXX ext XXXX is handling this debt. Today my husband 's former job contacted him and forwarded him a voicemail from the same company stating my husband 's full name and full social security number my full name and my full social security number and to make sure identification is ready when serving the paperwork. My husband called the number the gentleman was extremely rude and told him my debt is his debt because he married me and repeated to him his full social security number again. I called the management company handling the debt and they advised me they did not outsource this to debt to any law firm. I called the phone number again today advising them what they are doing is illegal and that the debt is not in their hands it's already been given from last year XXXX to a management company which has been confirmed by the original creditor. Only to be talked to in a unprofessional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Financial Group
State: NC

Complaint narrative:
Received the notice on XX/XX/2021. Tried to call the number provided several times, but no one ever answers the phone. 

On XX/XX/2021 overnighted a dispute letter to company, Continued to try to call the number provided several times. No one ever answers Emailed the company and received the following response : Please be advised Mr. *** requested the supportive documents merely 2 hours ago. We represent all 50 states regarding Subrogation claims and this is not a debt. I have requested the documents to be attached to the claim, and when they are, he will indeed receive them. 

Thank you for your patience in this matter. 


However, the letter clearly states that this is an attempt to collect a debt. This is deceptive and illegal debt collection practices and an attempt to collect a debt that was settled ( against the company ) in arbitration.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : Weltman, Weinberg & Reis Co. LPA # XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was recently charged late payment fees and interest for my account statement due in XXXX. 

I used to pay my Bank of America credit card using the eBill facility provided by XXXX. Unfortunately the way this was structured, it caused me to pay my bill twice sometimes XXXX like the XX/XX/XXXX bill ). So I removed the eBill from checking account but kept using the the auto pay functionality using the BofA website. 

In XXXX, there was no balance due so no bill was sent to me in mail nor was any payment deducted. 

In XXXX, I had a bill of {$3.00} which was due on XX/XX/XXXX. For some reason, BofA did not send me any bill in mail nor deduct the balance from my checking account. On XX/XX/XXXX I discovered this and spoke to someone from the bank. I made payments for the entirety my outstanding balance but the representative couldn't say if they will be able to revert the charges. 

It is evident from the screenshot that I am attaching with this complaint that the website doesn't allow me to make payments on my account and still thinks that I am enrolled in auto pay. However, as evident by late fees applied by BofA, they actually don't deduct the payment nor send me mails or allow me to make payments online.

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 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXX XXXX and I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and after providing all of my information I was told that they did not have my account. 
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 
9. XXXX XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX and XXXX XXXX and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MO

Complaint narrative:
Ive been contacted on 4 occasions by a debt collection agency named Sequium Assets Solutions. They always start by asking me to confirm my name and street number of my address. From there they immediately ask how I will pay my debt and get aggressive about it. They claim I have an outstanding balance with my internet provider, XX/XX/XXXX The first time, I contacted XX/XX/XXXX and they confirmed that I did not have an outstanding balance. The second time I was called by XXXX, I asked what it was in regards to because they dont say that immediately. When they said my XX/XX/XXXX balance, I told them that I knew they were a scam and they immediately hung up. 

Date / time / number called from : XX/XX/XXXX / XXXXXX/XX/XXXX / XXXX XX/XX/XXXX / XXXXXX/XX/XXXX/ XXXX XX/XX/XXXX / XXXXXX/XX/XXXX XXXX XX/XX/XXXX / XXXX XX/XX/XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under National Credit Systems and validation was requested on XX/XX/XXXX. On XX/XX/XXXX I reviewed my credit profile again as National Credit Systems had not responded despite the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. After this attempt the agency was also contacted via phone call, however I was informed that they did not have any outstanding balances that I was responsible for and escalated my concerns. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/13 - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXXXX/XX/XXXXand I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXXXX/XX/XXXX I contacted XXXX XXXX XX/XX/XXXX and after providing all of my information I was told that they did not have my account. 
7. XXXXXX/XX/XXXX stated that I must contact XX/XX/XXXX because they XXXX have my account. They provided the number to XX/XX/XXXX 
8. I contactedXX/XX/XXXX verified my information and was told I did not have an account with them. 
9.XX/XX/XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XX/XX/XXXX and XX/XX/XXXX and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland LLC/ Encore has repeatedly changed the amount that they claim that I owe that is currently in collections on my credit report and every month and it has also been increasing by the month while in collections which is illegal. When i called them to discuss this I am being told that they no longer deal with my account and it is now in the hands of a law firm XXXXXXXX XXXX XXXXXXXX. 

Adding monthly to an account in collections that is no longer being handled by the company at hand is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XX/XX/XXXX DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XX/XX/XXXXXXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX 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 2021-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX,XX/XX/XXXXXXXX XXXX # XXXX,XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: TX

Complaint narrative:
XXXX XXXX XXXX This request can not be processed online. XX/XX/XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX Account NameXXXX, XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$280.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$280.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX Payment History Account NameXX/XX/XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusPaid in settlement. {$430.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$430.00} TermsNA On Record UntilXX/XX/XXXX Payment History General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XX/XX/XXXXXXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXXStatusAccount charged off. {$4100.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$4500.00} Highest Balance {$0.00} Terms34 Months On Record UntilXXXX XXXX Payment History Account NameXX/XX/XXXX Account NumberXX/XX/XXXXAccount TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$2000.00} written off. 
Status UpdatedXX/XX/XXXX fcra violations not mine remove it XX/XX/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violaitons never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
navy cr card sent out offer XXXX it said creditworthiness will be base on apr, not getting card, when you apply you get told no cars will be issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: IL

Complaint narrative:
On XX/XX/2020 I received notice that a dispute that I had previously submitted for inaccuracies was completed. The notice that I received from Experian stated that the 2 companies ; XXXX XXXX and XXXX XXXX was not listed on my report. I called Experian and inquired about this issue and they assured me that it has indeed been deleted.

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