vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
I have a derogatory account on my XXXX XXXX report placed there by southwest Credit systems ( SW CRDT SYS ). The account came from XXXX XXXX XXXX Some one a place called XXXX purchased XXXX worth of either equipment or services from them and used my information. If you search my residential records you will find I never lived in the city or state in which this took, in fact I have never even been there. Following is a copy of what is on my credit report I have contacted XXXX XXXX XXXX who said they would investigate Southwest Credit swears it 's my account, XXXX XXXX does nothing. I really feel violated by the abuse of these large companies who can at will mess up our lives. I think it unconstitutional be able to publicly falsely destroy my pursuit of happiness. 

SW CRDT SYS Reported on XX/XX/XXXX {$4300.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it 's going to stay on your credit report. You might notice some changes to your account info though ; it 's been updated to reflect recent activity. 
Dispute Reason Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. 
Dispute Results From XXXX XXXX  received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you 're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 

Mail : XXXX Dispute XXXX. XXXX XXXX XXXX, PA XXXX XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have disputed these accounts multiple times with XXXX and Portfolio Recovers. They keep saying they validated. But how can you validate my account with a statement anyone can create. According to federal law they need my contract on file what none of them have. The attachments is what Portfolio recovery has sent me for validation. Sense when does a statement that anyone can create as validation. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: CA

Complaint narrative:
My account was sent to collections and reported with the three major credit bureaus. The problem is I never received any kind of bill from this company. When I called the XXXX XXXX XXXX XXXX for more information I was given the run around. This bill is for ambulance service. I identified myself with my Social Security number and date of birth. I asked after many calls back and forth with them and my insurance co. for them to let me speak to a supervisor. I was put on hold the 5 times I requested a supervisor for more then ten minutes. It was not until my insurance co called them that I was able to speak with a supervisor after more time on hold. The problem I was told by my insurance was that they were billing the wrong medical group and my bill was going out to the old address. I called them again to ask why they did n't have the current address on file and I was told by a ( rep. ). that it was my obligation to keep them informed. How can one? No one really know when one is going to need an ambulance. My daughter called XXXX we have no way of knowing the name or whom is being sent out. I am very upset and frustrated with them since my requests for information and asking to be connected to a supervisor was ignored. I feel that they should have checked with XXXX XXXX since my license and ins. card was provided at time of service with current information. I want this collection account removed from the three major credit bureaus. It was not until my insurance called them and I called back and asked for a supervisor was I able to speak to one. I spoke with XXXX the supervisor and he stated that my account is not in collection that Bay Area Credit Service was used just to locate me. They really do n't know what they are doing over there. When I assured him that this account was surely in collections and I wanted it removed from the three credit bureaus. I do n't want it marked as paid in full I want it completely removed since it was their error. He said he would have that done but they do n't know what their doing over there. Very unprofessional. I called Bay Area Credit Services and it 's still in collections even after I explained the situation to them. Please help me resolve this problem. Thank you. I just want to add that I was not contacted by the credit service or the creditor since they did n't have the correct address on file. I only found out about this collection account after checking my credit file and I disputed the charges because I did n't recognize the account as being mine. I had no knowledge of it at all since I pay my bills in a timely manner. Now my credit is being ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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:
Id theft victim hpd XXXX police report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: TX

Complaint narrative:
Id theft victim XXXX XXXX police report number 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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, XXXX and transunion are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services
State: CA

Complaint narrative:
I was attending XXXX XXXX XXXX and was granted a Student Loan with ACS Education Services in XXXX. At one point I was late on making a payment. This account with ACS Education Services was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted ACS Education Services in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between ACS and myself stating that they will remove negative remarks from credit report. ACS replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Receivables performance is posting a collection account on my credit for {$87.00} - the original creditor was XXXX - the issue is that I moved, and XXXX installed services at my new residence, but was unable to provide continuous services at that address, the service was spotty and intermittent at best - I called them to cancel services, because they were not able to hold up their end of our contract, and they terminated service, they came out and picked up the receiver boxes etc ... I am not liable for this XXXX, as I was not the one who initiated the termination of contract, the company XXXX was unable to provide services at my residence, therefore they were unable to hold up their end of our contract.

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 2017-08-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
The USAA FEDERAL SAVINGS BK policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. USAA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, USAA has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: SD

Complaint narrative:
I receive calls from Penn Credit 3 to 4 times a day. Each time it rings no more than one or two times, never even giving me the opportunity to answer the phone. I have no loans with them and I have no late payments with them or any other company. On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. In both cases the phone rang one time.
On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. Again, in both cases the phone rang one time, not even giving me the chance to answer. I 've had numerous other calls from that under the same circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Based on the information received XX/XX/XXXX and my payments made in XX/XX/XXXX and  paperwork received from XXXX XX/XX/XXXX the information given to me about their decision does not show the same history payment as the XX/XX/XXXX and payment history. XXXX reversed the late payment assessment and made two payments in XX/XX/XXXX. please see attached paperwork for review. Sincerely, 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 2017-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I received debt collection calls around XX/XX/XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XX/XX/XXXXwhen my wallet was stolen, and that I did not authorize the accounts at the service location. The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''.
Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - Financial Crimes division with Incident No. XXXX.
After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls.
I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit.
Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum.
Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Management Incorporated
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX a XXXX XXXX from Debt Managment Inc dba Capital Recovery Systems ( physically permanently closed ) with ONLY a PO Box and phone numbers, did : 1. Falsely state a ( discharged ) debt was not removed from credit reports because I was n't on credit report sites. 2. Was provided with an confirmed receipt of Bankruptcy Discharge XXXX/XXXX/XXXX notice taken directly from XXXX site. 3. Upon proof of his false statement, XXXX XXXX then flatly refused to do anything to remove from credit reports, a collection matter included in a discharged bankruptcy, which unlawfully appears to be an active collection matter when it is not. 4. XXXX XXXX is intentionally and unlawfully causing harm to me by way of false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I inquired about a refinance loan with Loan Depot. I own a condominium in a flood zone and have learned that most lenders wo n't approve a loan unless the HOA has a master flood policy. Mine does not. I specifically told the loan agent that I was not interested in beginning the application process unless I was assured that the lack of the master flood policy would not be an issue. On Sunday XX/XX/XXXX I received an email from LoanDepot thanking me for my application and advising me that my disclosures were available. That afternoon I forwarded the email to the loan agent reminding him that I was n't interested in an application unless I could be assured that flood insurance was not an issue. On Monday XX/XX/XXXX the loan agent forwarded me an email the Director of Transactional Management issued on XX/XX/XXXX stating hat they could not accept a loan with me because the HOA did not have sufficient coverage. I acknowledged receipt.
On XX/XX/XXXX I received a package in the mail containing a fully completed application with all my financial history and credit reports from the three bureaus. I did not authorize any of this. I was shocked and furious that my sensitive financial information was floating through the U.S. postal service and that my credit was pulled without my approval.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I contacted RMP services on XXXX17 - and spoke with a representative, I advised them that I had medical insurance coverage at the time ( that is still active ) through my employer, and that I had provided the emergency room registrar with that information. The representative stated that she did not believe me and did not care even if that was the case, that I needed to give her my bank account or credit card information and pay it myself. 
I told her that I pay a large amount every paycheck to have the XXXX XXXX XXXX XXXX coverage that I have, and I am not liable for this fee, it was covered, and that I have my insurance card info so they can bill my insurance company appropriately. 
She said that they do n't do that there, and that the only kind of cards they take are credit cards, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received an email telling me that a debit card had been mailed and I do not have an account at Wells, I called the bank ( XXXX XXXX XXXX ) and was told to email the fraud Dept. @ XXXX. This is the second time and I am not sure what to do next. 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 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM TRYING TO GET LOAN MODIFICATION FROM WELLS FARGO SINCE XX/XX/XXXX, WELLS FARGO IS REVIEWING MY LOAN MODE PACKAGE BUT STILL THEY TOLD ME THAT THEY WILL LET ME KNOW ON XX/XX/XXXX WHETHER THEY WILL APPROVE ME / NOT FOR LOAN MODIFICATION. AND I HAVE NO RIGHT TO APPEAL AND FORECLOSURE PROCESS WILL KEEP GOING ON ON XX/XX/XXXX. I HAVE SEND ALL MY COMPLETE PACKAGE TO WELLS FARGO BUT STILL THEY ARE TELLING ME THAT I NEEDED MORE PAPERS TO REVIEW, SO I HAVE SEND / RE-FAX MY PAPERS AGAIN AND AGAIN. I HIRED CONSULTATION COMPANY ON XX/XX/XXXX AND ALSO DIFFERENT CONSULTATION COMPANY ON XX/XX/XXXX TO STOP THE FORECLOSURE SALE DATE. END

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 2017-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX 2017 I changed my primary checking account and signed up for E-billing services as advertised. Since then I have been receiving the e-bills sporadically and have called Customer Service several times, most recently today. The probem extends to more than one biller so I think the problem is within my bank. In each case i was told it would be up to me to contact the biller to resolve the problem. As I think the answer to the problem is technical in nature and in " bits and bytes '' terminology I do n't think its my place to resolve the problems. If they offer E-Billing, and I signed up for the program, I think its up to my bank to resolve the problem.

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 2017-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Based on my knowledge, we notice alot of violations in regards to my loan and Who owns my loan to pay off a alleged debt with the previous servicer, who is now under investigation ( XXXX XXXX XXXX ) and not license in Maryland under the MD Commissioner Finance office. to collect a debt from a third party. later discover the alleged loan was transfer to XXXX XXXX XXXX. I ven sent off the dispute letters to send to the servicer/ third party debt collector. my payment was returned. and later applied for modification which clearly was denied numberous times under hardship circumstances. I would like to entire loan to investigated due to preditory lending, truth n lending, Respa.

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