vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). The Patient Balance on this document is {$510.00} and it has been paid. 
I never received a bill or a statement requesting any payment. In addition, two XXXX bills were submitted and paid by my Insurance. I have not received any answers to what this debt is about. I never received any letter or communication either by the original debtor or this collection agency until I contacted them. The hospital had all my personal information and had my insurance information and no other claim was presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I sent a request of validation to the company AWA XX/XX/XXXX I have yet to hear from the company so I gave them a call XX/XX/XXXX, the lady informed me that they in fact did receive my request and they did not respond because they are waiting for me to send them a police report. The lady over the phone informed me they would not be responding to my request and told me she would be hanging up one now and proceeded to end the call. This agency is adding interest on the account after I requested validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
I went to pay my mortgage online and noticed I was locked out. When I called I was told they could only talk to a bancruptcy lawyer and they could not talk to me. Both my wife and I have never filed for bankruptcy nor do we ever intend to. I was given a phone number for an account manager XXXX XXXX ( XXXX ) and a supervisor XXXX XXXX ( XXXX ). I am never able to reach either of them have left multiple messages. I did speak with another account manager and was told who the person was filing bankruptcy. It is not my wife nor myself and we are the sole owners of the mortgage and the only people listed on the deed. But, they still refused to speak with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
This debt reported by Trident Asset Management is incorrect. Im currently dealing identity theft by an immediate family and have been working with authorities and original creditors to settle. I do not owe this company. Having this reported along with original has caused such a negative double impact on my score. As a result, I was unable to qualify for a first time home loan and I can barely qualify for an apartment. This should not be on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: MO

Complaint narrative:
Current credit score issued by Equifax is misleading and incorrect. I have had several debts show up as " decreased '' in the amount owed as I have steadily paid them down. The other two reporting agencies show an " improved '' credit score. Equifax score went DOWN by 17 points. This is not correct and they would not give me a reason for the decrease in my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: GA

Complaint narrative:
I am submitting this complaint against TransUnion as a result of their investigation into a dispute that I submitted against collection agency XXXX XXXX XXXX. I submitted a dispute on the basis of the company no longer owning the account but still reporting to the bureau in XX/XX/XXXX. XXXX XXXX informed me that the debt had been sold to another agency. TransUnion response to my dispute was that the debt was validated and updated the account by re-aging the debt which impacted my credit score. This response to my dispute should not have been updated as if it were a new account. 
TransUnion has not fully investigated my numerous disputes against this company and has only just updated the account as paid on XX/XX/20 after I provided a bank statement showing the account was paid. TransUnion has not addressed my multiple complaints that XXXX no longer owns the debt and should not be reporting on this account to the bureau. The payment was made to another company and not XXXX XXXX. This is a violation of the FCRA for both the re-aging of the debt as well as allowing XXXX to report on a Debt that they no longer own.

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 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
KNOWLY PROVIDING FALSE INFORMATION TO CREDIT ALL 3. THIS ACCOUNT IS BEING FALSELY REPORTED BEING OPENED ON XX/XX/2019. THAT HAS A HIGH IMPACT ON YOUR CREDIT UNDER 2 YEARS. THEY CAPITALONE WERE BOTH REPORTING THE SAME INFORMATION AT THE SAME TIME FOR YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
THIS BANK IS PURPOSELY AND FALSE REPORTING INFORMATION THAT IS NOT TRUE TO THE 3 CREDIT BUREAUS.THIS ACCOUNT WAS NOT OPENED ON XX/XX/2017. THEY ARE PURPOSELY REPORTING USING FALSE DATES. THIS ACCOUNT IS OVER SEVEN YEARS OLD. AND SHOULD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: NY

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. I am requesting to remove account which I listed in Identity Theft because that one never belong to me, Some body used my ssn and personal information to applied for credit card. Please remove as soon as you can not mine account.

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 2020-01-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My problem with equifax started 6 months ago. They were reporting a fraudulent account, by XXXX XXXX as 3rd patty COLLECTOR. XXXX XXXX as original furnisher of debt. I knowing I do not owe neither of these companies, I got a police report I made a affidavit of I'd theft because many other things were on my report that was not mine from XXXX and XXXX. They all took it out. Equifax refuses although they got all legal Info they requested. I received a receipt from XXXX XXXX proving account is closed and I do no5 owe them or XXXX. I sent that to equifax 2 MONTHS ago. I sent it again 30 days ago. I need them to do the right thing. Please delete this is not my account. This is my last attempt to rectify I can not get my place to stay because of this. I did all I was asked. Equifax have been know to obstruct and not follow the fcra gives them 30 days to reinvestigate. It's been way over. I called them yesterday and they said this should be deleted within 24hrs. Still not deleted. I'm gon na be homeless and I need this rectified so u can get this apartment. I show all the proof and phone numbers to furnisher of debt. They know irs fraud. Please act promptly, this has injured me and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I started in XX/XX/2019 with Cardinal Financial for a refi of my XXXX House. I prepaid for an appraisal of my house ( {$470.00} ) and never received it. I have asked for either a refund or a copy of the appraisal and have been ignored. Please assist me in receiving either. 

Here is the contact individual : XXXX XXXX | Loan Originator Inside Sales | NMLS # XXXX Cardinal Financial Company , Limited Partnership | NMLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone/Fax : ( XXXX ) XXXX | XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 the company called me with yet a different number. I answered the call and explained to the representative that I have previously spoke to a representative and made arrangements to pay when I can. I let her know that at this point I was feeling harrassed and to please stop calling. She laughed, she said to say that as long as I owe the debt they would continue to call. Well, since that day they have continued to call. They let it ring 2-3 times before hanging up and not leaving a voicemail. They have tried contacting me with various numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have tried several times to reach out to Jefferson Capital Sys regarding account # XXXX listed on my credit report. I have sent certified letters to them in XX/XX/XXXX as well as XX/XX/XXXX. I have also made multiple phone calls throughout XXXX requesting for this debt to be validated. I have never received any communication from them regarding this debt or how it can even be disputed. It just showed up on my credit report. If Jefferson Capital can not or refuse to provide me with the requested validation then they must  remove this negative information from ALL credit reporting bureaus including XXXX, XXXX, and XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hi, I am a recent victim of identity theft ( discovered on XX/XX/20 ). I'm following the ID theft playbook. Have filed a police report, incident report with the Federal Trade commission, have filed a fraud alert with one of the three bureaus ( which in turn has an obligation to alert the other two as I understand it ) and my last step is putting a credit freeze on my accounts with the three credit bureaus. The process was super simple with XXXX and XXXX   but for the life of me I can't get it in place with Experian. I have tried on-line multiple times and tried to call a litany of numbers and it's impossible to get a human. The end result is the same which is that they want me to mail a bunch of super sensitive information to Texas ( which if it was ever compromised would give someone the ability to do an ID Theft ). There is no way I " botched '' the process, the form is super simple to fill in. It's as if they don't want to let you do this but instead sign up for their paid credit lock product. I've seen other complaints on this and the response from Experian is there is something about my background which gives them pause from an on-line sign up. That's nonsense. I wouldn't be so aggravated by this other than : 1 ) given I'm a recent victim, I want to get freezes in place with all three asap and the mailing process could take some time ; and 2 ) the simple fact that it is impossible to speak to a human. I did read about some functionality where I can upload the information to a secure website of theirs but it is impossible to locate ( or at least I haven't been successful ).

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 2020-01-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
Initiated MoneyGram money transfer from my debit card to recipients debit card on Saturday XX/XX/XXXX. The transaction reference number is XXXX XXXX. MoneyGram represented that transfers to accounts in XXXX take minutes. The transfer was not completed to the destination bank until Monday morning, XX/XX/XXXX. As of Thursday, XX/XX/XXXX the money has not been transferred to recipients debit card account. I spoke with someone at the MoneyGram Escalations Dept on Monday, XX/XX/XXXX. They confirmed that the transfer was received by recipients bank in XXXX, ( XXXX ) but was being held and not deposited to recipients account. MoneyGram CSR said he filed an expedited complaint. He told me to call back in two or three business days to follow up. I called back on Thursday, XX/XX/XXXX. Spoke to XXXX XXXX : Case # XXXX. XXXX refused to contact the bank or do anything further. She said it would take 30 days to complete. This is considerably longer than a few minutes MoneyGram promised in their promotional materials. ( I allege false and deceptive advertising ). I said this is not acceptable and requested a refund. She said that would take 30 business days. I am left with no resolution at this time. And XXXX is holding my money. I want it back! 

On Tuesday XX/XX/XXXX I attempted to contact XXXX via their website. One contact phone number and one email address was provided. 

I called the phone number. It was a recorded line. It gave one toll free ( XXXX ) number and two local phone numbers. I was prompted to dial 0 to speak to an agent. I dialed 0 and nothing happened. I called the two alternate numbers provided. Each rang over two dozen times. No answer. 

XXXX Main # : XXXX XXXX XXXX XXXX Alternate numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent an email on Tuesday, XX/XX/XXXX As of Thursday, XX/XX/XXXX there has been no response. 

Email address : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC
State: OH

Complaint narrative:
On XX/XX/2020 I was contacted by courier trying deliver a legal notice. They would not give me any information but stated I had to be home to accept notice of a debt that was not mine. They said if I wasn't it would be counted against me. They would not give me any information other than the debt was for my brother-in-law who my family is estranged from for over 7 years. I asked how they got my info any they would not tell me anything other than they had my info and would continue to contact me. They also had part of my social security number, which I believe was searched unethically as I am not a client of theirs and do not have any debt with them. She gave me the information of the agency employing her- Capital Link Management LLC. When I called the number to inquire as to why I was being involved they said that my brother-in-law owed a debt and that if I want to stop being contacted about the matter that I should tell him to handle the debt. They said they have been sent me many notices bother written and over the phone ( I have not had any contact with them until today. ) They said they would not stop contacting me and would be sending more notices and calling. After speaking with my mother and father in-law they are contacting them and using the same harassment techniques.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My mortgage/escrow holder refuses to change the payment date to my Home Owners Insurance policy. It is due XX/XX/XXXX, but payment is always late, paid XX/XX/XXXX this year for example. That's the mailing date- the payment may take another 3-5 business days to post. 
Several emails ( unanswered ) and phone calls have not resolved the issue. They say their system can not process the payment earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After 3 years. A account is reported back on my credit reports. The original creditor is reporting and the agency they apparently sold this debt to. First, its against the law for the original creditor and a collection agency to report the same thing. That is fraud! Second, this was removed from my credit report XX/XX/2016. Due to incorrect information, harrassment, threats and etc from XXXX. Then its a different name of 12 XXXX and the collection agency XXXX XXXX. Both the same with a couple dollars off. All illegal and fraudulent.This needs to be removed and never sold or return on my credit report ever?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XXXX/XX/XX/2019, not sure of the exact date. I called and spoke to the law office that was assigned by National Credit Systems for a XXXX XXXX account. When i called in the representative for the law office provided account details and tried to collect on this debt before they provided the mini miranda which is required by law. It wasnt until i mentioned this about 5 mins into the call where they tried to recite it. They stated many times " Good Luck with your housing '' knowing this was on my credit .... Due to the Violation of the FDCPA by not reciting the Mini Miranda. They need to close and remove this account from all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: LA

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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