vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I went to XXXX hospital around XX/XX/XXXX. After receiving treatment and leaving the hospital. I provided the hospital with my medical insurance information. After about a full year later I received a letter attempting to collect a debt from said emergency room visit. Attached to the letter was a voucher where you input your insurance information and send it to the hospital for manual processing. I completed the form and submitted it to the hospital ( on TWO separate occasions via USPS business reply mail ) About 12 months ago was the last time I sent a written business reply including my health insurance policy for the billing dept to bill my health insurance so they have had AMPLE time to process the request. Their department is now criminally negligent. 

I called the XXXX XXXX XXXX ( in two separate quarters of XXXX, Q2 & Q3 ) and provided them VERBALLY in addition to, in writing, my insurance information, TWICE, over the phone with a customer service representative who stated that I was on a recorded line and she was representing the credit department at XXXX XXXX XXXX. I was verbally informed, TWICE, that the insurance company would be billed for the visit to the Emergency room. 

After contacting my insurance company to identify if there was a clerical error in paying out to the hospital I was informed that the hospital NEVER FILED AN INSURANCE CLAIM with my carrier XXXX insurance. Nor did I authorize a company name XXXX XXXX XXXX to operate on my physical person. I authorized XXXX XXXX to provide me with emergency care after an incident and they have clearly failed me as they must be failing other patients in a similar fashion. 

After they attempted last month to file this collection account I filed a separate CFPB complaint with the original creditor that they attempted to fool into pursuing this debt. The previous debt collector immediately dropped the case. I also filed complaints at the state level, and I filed consumer complaints on XXXX and social media. The hospital has not reached out to me with a comment or to resolve the issue. I retain audio recordings of my conversations with customer service reps where I provided them my insurance information for the final time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
The original creditor closed my credit card then it was turned over to LVNV Funding LLC. I sent the collection agency a letter asking for my signature as proof for contract with them. They failed to provide signature but instead sends me some literature on credit cards with that company. After sending more certified letters to the collection agency I receive letters from another collection agency stating they are collecting also. This has been going back and forth between LVNV and Resurgent Capital Services. 
Always calling my phone and telling me I need take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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:
their customer service would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of unauthorized inquires and explained the situation in detail and they ( transunion ) told me I was in fact not a victim.

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 2021-04-12 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:
I submitted a dispute about two different accounts that are a fraud and I sent in a copy of my FTC REPORT AND POLICE REPORT. Based on the FAIR CREDIT REPORTING ACT SECTION 605.B BLOCKING of information resulting from identity theft 15 usc s 168 c-2 states that not later than 4 days after agency is contacted by consumer and informs them of the identity fraud shall accounts be blocked from the consumers credit report. Equifax credit bureau is in direct violation of the FAIR CREDIT REPORTING ACT, I received a letter from them saying they will not block the accounts but instead they will contact the creditor to verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I HAVE NEVER RECEIVED ANY DOCUMENTATION TO VALIDATE THIS DEBT FROM ABSOLUTE RESOLUTIONS COLLECTIONS REGARDING A CREDIT CARD ACCOUNT FROM XXXX XXXX  FOR THE AMOUNT OF {$21000.00}. 

HOWEVER, ON XX/XX/2021, ABSOLUTE RESOLUTIONS REPORTED A DEROGATORY MARK AS COLLECTIONS ON MY CREDIT REPORT WITH ALL THE CREDIT BUREAUS INCLUDING XXXX, XXXX, AND XXXX. 

I WANT ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA!

I request that Jefferson Capitol verify the following information.

1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove unauthorized inquiries on my credit report and they have yet to remove it. There are also inquires that I DID NOT AUTHORIZE on my credit report and Equifax has FAILED to provide me any sort of documentation to prove that I indeed authorized it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of XXXX  about this matter if it continues to not get resolved. I am starting with the CFPB to see if this will get resolved first. If it doesn't then I will take it as far as I have to until it is resolved. EQUIFAX is clearly breaking the law and don't give a XXXX! I am a retired XXXX XXXX Veteran and I feel extremely disrespected by Equifax. I have many veterans who feel the same way. If this doesn't get resolved ASAP then I will be contacting an attorney to move forward with a lawsuit. 

Dates:XX/XX/XXXX - XX/XX/2021 Actions Taken by Me : Sent 4 dispute letters to Equifax by Certified Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a new Credit card with Capital One on XX/XX/2021. I have made my first payment over the amount due. I'm in the process of building my credit. I was informed by Capital one that it will be reported with all three credit bureaus three business day 's after the billing statement which is the XXXX or XXXX day each month. However it has been almost three weeks and my new credit card has not been reported to the three credit bureaus at all. I'm requesting Capital One to report my new credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I was charged a late fee of {$38.00}. I made my payment on the due date and but it was paid after XXXX. On my statement he says payments after XXXX will be credited the next day but it does not state that a late fee will be charged. I called numerous of times to get them to remove the late fee and advised them if that was their policy that it should be in writing. I was told I should be able to figure it out. As a customer I know have rights and I know that I have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My personal information was breached in several data bases. XXXX XXXX  breech. I know a lot of information was used, but primarily I need XXXX XXXX XXXX. XXXX, IL.XXXX  To be marked as a fraudulent address. There have been numerous activity on credit reports that I do not recognize also.

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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.

Complaint narrative:
A fraudulent transaction of {$950.00} was made on my Chase Amazon credit card on XX/XX/2020 at a XXXX store. I sent supporting documents to prove I did not make this transaction several times, including via the company 's official secure message portals as requested by their live representatives, but I received letters instead that nothing was received. This is very frustrating to me because I have used their requested channels, and I have even received messages in response to the submission of my documents. 

Most recently, I sent in a 2-year lease in as well as a flight ticket from XX/XX/XXXX-XX/XX/XXXX as requested. The length in the contract was assumed to be 1 year without reading the lease, and the date of the flight ticket was assumed to be in XX/XX/XXXX-XX/XX/XXXX. Please note, the lease term is on the second page of the document, about halfway down the page. When reading the flight itinerary, you will need to use the day of week written in the flight ticket to verify the year since XXXX Travel did not use the year in its itinerary. As further proof that I have been based in XXXX, I have added another airplane itinerary booked on a different airline showing travel from XXXX back to XXXX. I would like to request that someone else review my documents and correctly read the text in the documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN XXXX OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on Transunion and XXXX. For XXXX  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me XXXX  change my score to within ten points of the other credit bureaus, reducing the score by XXXX points. Again no change to any account and XXXX  just reduced it. 

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by XXXX points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by XXXX points for the {$40.00} charge. 

I paid {$140.00} on the same credit card a few days later. My score did not change at all. 

I next paid off my car loan. My score dropped by XXXX to XXXX points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX man. My wife, who is white, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.

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 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I order XXXX XXXX  for a bundle package with Premium channels and Internet together as one bill when received bill it was for two different amounts called several times and spent a lot time on phone supervisors said that someone entered in wrong so I explain change the plan that I originally asked for the refused and said they could do nothing for me tried to get me to change to a more expensive plan I said I would not that I want to discontinue services if they couldnt they said they wouldnt now being charged {$700.00} to discontinue now the sold my debt to Sun rise collection also my credit has collection on it I have asked Sun Rise that I would pay half even though I do t feel I should pay anything but they are unwilling to

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
XXXX I was served a summons for payment on a debt. I signed and agreed. 
In XXXX of XXXX, I agreed to making payments to company. The judge agreed and signed off on payments. I paid every month. The company never responded to payments made online on their website and they did not give receipts. Court papers show payments were made in the amount of total {$300.00} on an {$1100.00} debt. 

XXXX the company started a garnishment on my wages stating I now owed XXXX. This was not reflecting the {$300.00} paid. They garnished my pay for the total amount including my bank account and job paycheck. The document states " Plantiff is NOT seeking continuous garnishment '' XXXX The company garnished again for {$540.00} XXXX after all debt was paid, the company garnished another {$570.00} with no explanation nor communication to me. They just took the money after the debt was settled and done. 

XX/XX/XXXX Now I have received a statement from my new job that they are garnishing again for another {$820.00}. They have no contacted me nor tried to settle any additional debt, but now this document reads " Plantiff is seeking continuing garnishment ''. The debt they have previously garnished has more than enough settled the original debt but they have not closed the debt or account and continue to garnish my accounts every year for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XXXX I was served a summons for payment on a debt. I signed and agreed. 
In XXXX of XXXX, I agreed to making payments to company. The judge agreed and signed off on payments. I paid every month. The company never responded to payments made online on their website and they did not give receipts. Court papers show payments were made in the amount of total {$300.00} on an {$1100.00} debt. 

XXXX the company started a garnishment on my wages stating I now owed XXXX. This was not reflecting the {$300.00} paid. They garnished my pay for the total amount including my bank account and job paycheck. The document states " Plantiff is NOT seeking continuous garnishment '' XXXX The company garnished again for {$540.00} XXXX after all debt was paid, the company garnished another {$570.00} with no explanation nor communication to me. They just took the money after the debt was settled and done. 

XX/XX/XXXX Now I have received a statement from my new job that they are garnishing again for another {$820.00}. They have no contacted me nor tried to settle any additional debt, but now this document reads " Plantiff is seeking continuing garnishment ''. The debt they have previously garnished has more than enough settled the original debt but they have not closed the debt or account and continue to garnish my accounts every year for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: CL Holdings LLC
State: TN

Complaint narrative:
On XX/XX/2021, Jefferson Capital submitted a derogatory mark on my credit profile, per XXXX. After looking at what this might concern, it appears that this account was transferred/sold and I am no longer responsible for the account. Also, debtor/creditor did NOT notify my of this collection account nor was there an attempt to verify the collection. I have no written form of communication of this account or a record of my signature for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I Have a loan with Prosper, I had financial problems due to COVI19 and because of this it became impossible for me to pay the monthly payments contracted with PROSPER. I tried to recover as soon as possible, and I was always in contact with PROSPER negotiating agreements to pay off the debt. They offered me that if I showed that I had been affected by COVI 19 they could give me some flexibilities for payment. I sent them the corresponding documents and they agreed to accept me as AFFECTED. They were going to deferral those months and they were also going to add a note saying : Affected by Natural or Declared Disaster. This does not negatively impact your FICO credit score. They did that the first few months and then withdrew the note and my credit drops affecting me the possibility of being able to access some services such as buying a car or even getting a rent or a home. I have attached evidence of the emails with them where they agree to put the remark. After time and after several calls and complaints now tell me that they removed the remark and will not put it back. ( I have attached the Emails )

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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My full name have been miss spelled a couple of times and there is an home address I don't recognize as home.

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 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion is reporting data on my credit report that is simply not true, I have been a victim of id theft thanks to a data breach by another major credit bureau, XXXX is also reporting data that is false

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