vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NE

Complaint narrative:
While Finalizing a Home Refinance on XX/XX/2019 the lender contacted me and stated there was a derogatory entry from a company called Virtuoso Sourcing Group in the amount of {$2600.00}. This company has never contacted me concerning a debt I called them and spoke to a XXXX XXXX would not give me there full name. I requested they verify my Phone and Physical address which they could not do. They would not disclose the details of the debt but would send written correspondence which they have not done. I sent a letter and email demanding proof of debt and that the derogatory entry be removed. They have still not responded to either request, in addition there are hundreds of official complaints and reviews alleging the same conduct. This company is clearly violating federal law with apparently no repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Good afternoon I am writing to file a complaint about Capital One credit card. I have XXXX  capital one credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
National Recovery Agency ( NRA ) opened a collection account under my name. They reported this account to XXXX  before sending me any bill. I called them and they said the debt is valid. 

I contacted NRA by mail ( right address is here https : //www.nragroup.com/contact.html ) to validate the debt, but they failed to respond me within 30 days. I attached the proof ( the certified mail receipt and the letter ). If the debt is valid why they don't answer my mail?

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 2019-02-06 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: MI

Complaint narrative:
REFERENCE # XXXX I was a victim of identity theft six-seven years ago the accounting question with XXXX was discovered to be fraudulent never used by me did not belong to me yes the information was similar that's why it's called identity theft XXXX recognize this they closed the account it was never reported to any of the major credit bureaus once it was discovered what it happened police reports were filed multiple letters were sent back and forth and everything was eventually resolved until about a month ago when I received the first letter from this company stating I owed them a debt I immediately sent a letter explaining what I just explained I told them unless they had some proof which I knew they wouldn't to stop all further Communications with me that I had no intentions on paying them any money they sent me another letter helping this was their proof it's just some printing information there's absolutely nothing here that we didn't already know it shows XXXX shows an account number show the balance well yes nobody 's disputing that the account was opened it just wasn't open by me and Everyone except for this company seems to understand that I don't feel they're taking this matter seriously but when you start reporting it to the credit bureaus and you start affecting my credit score it becomes a serious issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
Contacted around XXXX XX/XX/XXXX from Associated Credit Services . The person I spoke to was incredibly rude and condescending. He told me that if I did not pay my XXXX XXXX  balance in full he would sue me. He also appeared to be looking at my credit report and told me if I did not pay my balance in full today he would get an account number from my report and attempt to run it on that. He said I had a XXXX XXXX card that had {$300.00} in available credit which is not my card. I'm simply an authorized user on it. When I told him that was my father 's card he told me to use that card today or he would call my father and inform him of my bad debts. I immediately hung up the phone. He then called me back on a blocked number and said if I do not pay in full today he would contact my place of employment and inform them of my bad debt. 

Account is for {$1600.00} from XXXX XXXX XXXX. I offered to pay him in {$25.00} installments since I am in XXXX  and he said I need {$350.00} minimum today or we go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
To Whom It May Concern, In approximately XX/XX/XXXX my husband and myself filed bankruptcy. At which time we elected to continue to make payments on our home in XXXX, GA. We continued to make our mortgage payments and rent the home. In the summer of XXXX we proceeded to sell our home to our tenants of many years. The home was not listed at the time, because it was a private sale. Upon submitting the necessary documents we found out there was a second lien on the home from the original line of credit. At this time I contacted the lien holder XXXX   and found out that it had been transferred to Specialized Loan Servicing. I contacted the company and found that even though we had been released from our personal obligation, the loan would have to be paid. With an additional amount of interest of nearly {$10000.00}. After weeks of negotiation we were finally offered a settlement for the principal amount. of {$16000.00}. The short payoff was given to us in writing on XX/XX/XXXX. However, the sell of the home was not finalized because the buyers withdrew 3 days before closing. This of course gave us an inability to pay this settlement. 
After, months of trying to sell the home again, listing it with an agent, we finally went under contract for the sale of the home again. 
Once again, I contacted Specialized Loan Servicing. At which time I again ask for a settlement, however once SLS realized that the house was under contract, I was told by them that they would not negotiate and that we would have to pay the full amount. I was also told that they of course could foreclose ( an intimidation tactic, I'm sure-because they would more then likely end up with nothing ) I spoke with the rep and supervisor, both telling me the same thing. 
On no level of professional business practice should this occur with anyone. 
The only reason they are not willing to negotiate just 7 months later, is because they are now aware of the sell of the home, and can try and get the principal and interest from us. The intimidation and lack of professional business practice makes this unfair to my family and any consumer. 
Again the only difference from the end of XX/XX/XXXX and XX/XX/XXXX is the fact they they were aware of the home sale.

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 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Good afternoon I am writing to file a complaint about XXXX XXXX credit card. I have two XXXX XXXX credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: SC

Complaint narrative:
I got a loan for debt consolidation and had Lending club pay off card cards directly. After the loan is approved and payments are sent to credit cards, somehow one of my two XXXX XXXX cards accounts got changed to an account ending in XXXX. Now, mind you I do not have an account ending in those numbers. Lending club supposedly paid XXXX tom XXXX acct XXXX I pointed this out to Lending club over 10 business days ago and was told that the payment had to settle and wait for a certain for it to be returned. I was told to wait 7 business days and call back, which I did and then was told that there was a 2-day extension put on from the back office that makes the payment to creditors. I call today XX/XX/19 they still do not have my money back, stating XXXX is nonresponsive which is a joke, I can get them on the phone within 30 seconds. I spoke with a manager today named XXXX would file some kind of claim ... .more stall tacks in my mind. There is no way XXXX would have held this money for this long knowing that a wrong account payment was made. I received a claim number XXXX. I believe someone changed my data and tried to pay off an account that was not mine. The back office dept phone number is XXXX. My phone is XXXX. Email XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: FL

Complaint narrative:
Credit Reporting Agency : Equifax ; Creditor : XXXX XXXX ; Account Number : XXXX. Recent disputes were submitted via the CFPB portal regarding this account on XX/XX/XXXX. After reviewing my Equifax credit file on XX/XX/XXXX, I noticed two errors. Error 1 : " Payment Status '' is incorrect. The " Payment Status '' should show " charge-off. '' Error 2 : An unauthorized statement has been inserted for this account in the " YOUR STATEMENT '' section. The " YOUR STATEMENT '' section belongs to me, the consumer, and I have never requested, authorized, or provided the creditor ( XXXX   ) or the credit reporting agency ( Equifax ) to add any statement. Per the FCRA, the creditor and credit reporting agency are only permitted add a comment in the " COMMENTS '' section. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) section 611 ( b ) which clearly outlines consumer statements. Equifax is in violation of FRCA section 611 for ( a ) failing to record the current status of disputed information and ( b ) reporting an inaccurate item in my credit file. As a reminder, per the FCRA, a consumer ( s ) credit file must be 100 % accurate and my Equifax file clearly is not. Please refer to the attached copy of my Equifax credit file with the two errors highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates, LLC took TRIPLE the amount authorized by us ( via a recorded phone call they verified through their review process ) out of our bank account on XX/XX/2019. Through our multiple attempts to get this reversed/resolved, weve been lied to, rudely addressed, given the run around, and are yet to see any money back. How are they allowed to steal from individuals who have followed their company policies? How are they allowed to accidentally withdrawal over {$2000.00} beyond the authorized amount? Who protects the rights of individuals? We were told on XX/XX/XXXX that the refund was processed, addressed, verified, and our money would be refunded by XX/XX/XXXX. Today, XX/XX/XXXX, we were told by an Executive Director that it was our bank that wasnt accepting the refund ... our bank shows no communication from XXXX. Another phone call resulted in a representative stating a refund was processed 15 minutes ago, and your refund will be in you account within 24 hours. We need someone who can help refund the more than {$2000.00} that was stolen from our bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: LA

Complaint narrative:
Over the past month I, along my family members, neighbors, coworkers, distant acquaintances, and people I have no relation with have received phone calls that begin at roughly XXXX XXXX  and last well into the XXXX XXXX hour from XXXX XXXX XXXX, regarding either a " very important educational matter '' or " a very important business matter that we working one for her ''. When these other people are called and let them know they have no contact information for me, the representative on the phone ( sometimes a woman named XXXX, sometimes a woman named XXXX, or a man ( not sure of the name ) will become very verbally abusive. For example a colleague that I only know in passing received a call on her cellphone. When she indicated she knew my name but had not personal contact information on me XXXX told her that she was clearly lying and could face legal action. 

When I have returned their phone calls I am immediately asked to verify my entire social security number, which I will not give over the phone. I have asked that this company sent me whatever their business is with me in writing and I, along with my attorney, would address whatever they need then, but I have received nothing. 

I have asked repeatedly to stop calling me because I will not give anything in writing but it continues. As I typing this a social media friend who I have not been in contact ( outside of social media ) in more than 10 years sent me a message stating that this company just contacted her and when she told them that she had not been in contact with me for many years, she was asked to try to locate me and call them back with a contact number. She asked them how they got her number and was told she was a reference ( which she is not ).

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 2019-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I leased a GMC XXXX on XX/XX/XXXX for a 39 month lease. I traded in an old GMC towards the lease to keep payments lower. I was going to purchase the vehicle at the end of the lease, so I was not concerned about mileage. On XX/XX/XXXX, the transmission on the truck was not working correctly. I dropped the truck off to XXXX XXXX XXXX in XXXX XXXX NY. They had the truck till XX/XX/XXXX, when they returned it to me it still was not working correctly. At this point I was over the mileage allowance for the lease. The lease had also matured. I have not had the truck since early XXXX. I have been trying to contact a GM customer assistance representative and to no avail. I made brief contact, but no return calls have been made. I called XXXX at XXXX extension XXXX. My case number is XXXX. I am currently without a vehicle. I am very disappointed in the lack of customer service provided by GM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
A man called demanding to speak with me. He rattled off my entire name ( including maiden and married ), address and last 4 of my social. When i asked who was calling he again rattled off the information and stated that if i wasnt going to confirm the information was correct he wasnt going to tell me who he was. I informed him i would not be confirming or denying anything until he told me who he was and what company he represented. He then he responded with " this is XXXX  XXXX XXXX. I have an important matter to discuss regarding the debt owed to us now confirm the information! '' When i again refused and asked for him to tell me his name and which creditor he represented he said " i already told you. When you get your XXXX together and are ready to cooperate call us back XXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
XXXX is reporting out that never paid for a check in the amount close to {$340.00}?? to XXXX XXXX. I requested my consumer report and it lists no information found. The only reason I found out about the information is while opening another account my bank shared the information. I do believe it is from when I had a vehicle loan with XXXX XXXX  over 4 years ago. A check may have been returned at one point, however, it was immediately paid when the issue occurred. Therefore, there is no reason it should be reported as bad debt. I then refinanced that loan with my current bank and it would have been paid when the refinance occurred.

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 2019-02-06 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: IN

Complaint narrative:
I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.

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 2019-02-06 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: FL

Complaint narrative:
Credit Reporting Agency : Equifax ; Creditor : XXXX XXXX  XXXX XXXX ; Account Number : XXXX. Recent disputes were submitted via the CFPB portal regarding this account on XX/XX/XXXX. After reviewing my Equifax credit file on XX/XX/XXXX, I noticed two errors. Error 1 : " Payment Status '' is incorrect. The " Payment Status '' should show " charge-off. '' Error 2 : An unauthorized statement has been inserted for this account in the " YOUR STATEMENT '' section. The " YOUR STATEMENT '' section belongs to me, the consumer, and I have never requested, authorized, or provided the creditor ( XXXX XXXX XXXX XXXX ) or the credit reporting agency ( Equifax ) to add any statement. Per the FCRA, the creditor and credit reporting agency are only permitted add a comment in the " COMMENTS '' section. Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) section 611 ( b ) which clearly outlines consumer statements. Equifax is in violation of FRCA section 611 for ( a ) failing to record the current status of disputed information and ( b ) reporting an inaccurate item in my credit file. As a reminder, per the FCRA, a consumer ( s ) credit file must be 100 % accurate and my Equifax file clearly is not. Please refer to the attached copy of my Equifax credit file with the two errors highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have received 7 calls in the last month from different numbers that belong to Midland credit. I have never been in debt. There is no reason for them to have my information or for them to call me. Every time I block their number they call from a different one.

Company response to consumer: Closed with explanation