vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
On XX/XX/XXXX I was travelling to work on my motorcycle and had just past the toll plaza at the XXXX XXXX in the carpool lane when a car that was in the metering lane traffic went over the plastic barriers into my lane and hit me. I was ejected from my motorcycle and XXXX XXXX XXXX including both XXXX XXXX XXXX XXXX XXXX XXXX, at this point XXXX was requested by XXXX. I was picked up by XXXX  XXXX and taken to XXXX XXXX. I have and had at that time full coverage by XXXX XXXX that included ambulance rides in medically necessary situations such as this. In the coming months my insurance paid for all of my medical bills ( the driver who hit me and was at fault had no insurance coverage on his vehicle ). Needless to say there were a ton of statements that were mailed to me showing what had been paid for by XXXX. At no time did I know of a bill from XXXX XXXX, I wasn't even aware of the ambulance companies name that picked me up as I was in awful shape after being hit. In my mind, all of my bills had been settled and I had to deal with my XXXX XXXX and the costs associated with that. 

Fast forward to XXXX where I notice that my credit score drops to XXXX ( I maintain a consistent XXXX or above on my FICO score ). When I look into why this drop happened, I see that I have been reported for a derogatory account reported by Nationwide Recovery Services for the amount of {$2400.00}. This is apparently the amount due for the ambulance ride that day that I never received a bill for. The ambulance company XXXX XXXX apparently sold this debt to XXXX in XX/XX/XXXX and now in XXXX XXXX has reported this to my credit meanwhile, to this day, I never received a bill from either of these parties. I called my insurance company XXXX to inquire if they had received a bill which they had not. Further, my insurance will only pay/reimburse a claim within 365 days of the date of service. 

I find it completely unacceptable that not only did I suffer life altering injuries from an accident that was not my fault, caused by an uninsured motorist, but also that now my credit has been affected by a company with a horrible reputation for its billing practices XXXX XXXX  XXXX XXXX and then Nationwide Recovery Services. When I called XXXX they stated that the address they had listed for me reported to them from XXXX XXXX was incorrect and that is why I supposedly never received a bill from either of them. I think this is a ridiculous reason as my personal information is easily searchable, especially by debt collectors. This whole ordeal has been completely infuriating and it's incredible that I have to suffer more from this accident that happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
A collection was placed on my credit report from Southwest Credit System for {$190.00} on XX/XX/XXXX. 
I called the number listed on my credit report on XX/XX/XXXX. The representative states this is a XXXX account closed on XX/XX/XXXX which was placed with them from XXXX. I have not had a XXXX account. I never received any correspondence, contact, or NOTICE OF DEBT or DEBT VALIDATION from Southwest Credit System. This is inaccurate and definitely a violation of FDCPA since I never received any notice or anything to dispute the validity of this account place on my credit report. By law I have 30 days to request validation of this account once it has been assigned to an agency. Not only is this not my account, but Southwest Credit System violated FDCPA as well. 

Section 809 Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt  collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: CO

Complaint narrative:
XXXX XXXX XXXX  and Transunion are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not 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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 90 ) plus days late on the XXXX accounts. ( Please see pages attached from my credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not 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 2020-02-19 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
IAW 15 USC 1692 I sent a Notice and Demand To Validate Debt Claim to LVNV Funding LLC. LVNV signed for this Certified Mail. LVNV Funding LLC did NOT respond within 30 days with the required information to validate that any actual debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: NY

Complaint narrative:
On XX/XX/XXXX I contacted Jefferson Capital Systems and was told the account would be removed from my credit report. This collection account has damaged my credit rating, preventing me from obtaining a home loan. I would like this resolved immediately, as this is a FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
I believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please thank you.

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 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CT

Complaint narrative:
This concerns XXXX-XXXX .This is my response to their response.Webster bank lie. 
The transfer were on XX/XX/2020, not on XX/XX/2020 like they told.It means that i was on time.They took late fee {$29.00} for this.I do not agree with their decision.They have cheated on my.Dear CFPB please see download from my 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 explanation
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
On XX/XX/2020 I logged into my Experian account and it said my account was unlocked. My lender tried to pull my credit report and was advised it was locked. I tried contacting Experian " customer service '' for almost an hour. I called 6 times, jumped through all the hoops and the call ended 5 times before I finally got through. When I did get through, it was difficult to understand the rep. In addition to english not being her first language, there was a lot of background noise. I am trying to obtain a home loan, so it's critical for the lender to get my report. I was able to unlock my report from the other 2 agencies online with no issue. The lack of service from Experian is not acceptable.

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Access Receivables of NC Inc.
State: NY

Complaint narrative:
We had compensation insurance through XXXX. The company went out of business and the balance owed was {$500.00}. XXXX increased the balance of the bill 10 times as a result of a several unannounced visits to review our paperwork after we canceled our policy. We were 6 months out of business and had all returned to regular employment. Recently I and my family have received threatening phone calls from Access Receivables Management. They have called me multiple times a day, utilizing different numbers and have recently began calling my family and have left voicemails describing the nature and content of the debt. I am feeing very harassed and my privacy invaded. The debt is inflated as a punitive measure for not taking a risk to take a day of my new job to meet with the XXXX  representative during work hours. I offered to meet anytime after. The company is financially closed and no longer had any employees and they are contacting my family which has no connection to the company. I am considering legal ramifications for the harassment and violation of my privacy rights. I have saved voicemails that were sent to my sister and father

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
I believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please thank you.

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 2020-02-19 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: FL

Complaint narrative:
I believe I have been a victim of identity theft due to many accounts on my credit that I do not recognize nor recall ever doing business with. I rarely ever use my credit and when I recently checked it saw things on there that made no sense to me and was completely taken by surprise. I am asking for your help and expertise in this matter to get everything corrected so I can try to use my credit again please thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to work with capital to find resolution to falsification of my residency and to correct their mistake but was not successful. 

My last attempt was today I spoke to supervisor and was advised nothing can be done. XX/XX/XXXX. 

I am asking fro phone records from capital one and their hired firm XXXX XXXX XXXX to proof that I was working in Texas and living in Minnesota. This false a statement and I want to challenge this they are claiming because of this statement they were able garnish my account for XXXX dollars however the firm knew I was in Texas I spoke XXXX ( XXXX XXXX XXXX ) numerous times and told him I was in Texas while his agency was not licensed in Texas I called capital prior to collection and still they proceeded with garnishment. 

I want capital one to follow the law and be brought justice for braking Texas collection laws : No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id. 

Also my attachment shows that court was aware of my address as of XX/XX/XXXX. 


My main complaint here is falsely stating my residence the only way I believe this could to cleared is to review those phone calls with capital one and XXXX XXXX  XXXX. Just falsification is scary and I fear that others could find themselves in the same problem when agency is asked to follow the law they should and accuse the consumer of lies so they can justify their false actions. I also ask for penalty to accessed because this is violation of fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
This loan was paid off in early XXXX in a refinancing. There is an {$810.00} overage that was supposed to be refunded, but Mr. Cooper has failed to deliver the refund. I contacted the company in XXXX, shortly after the loan was paid off. I was told to wait 20 days. I contacted Mr. Cooper again in XXXX. They claimed they had sent the refund check in XXXX. They claimed they would reissue and resend the refund check. I contacted Mr. Cooper again in XXXX, and they told me to wait 10 days. I contacted Mr. Cooper again after 10 days, and they told me to wait 30 days. Meanwhile, they have offered no evidence that the refund has actually been mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ONEMAIN FINANCE CORPORATION
State: CO

Complaint narrative:
I applied for the secured loan via website. After putting my income in the company pre approved me for a secured loan up to {$10000.00}. I then submitted my income and buyer order for the vehicle. The branch manager submitted my docs to underwriting and first contact was to ask for my last paystub of XXXX. This was not a reflection of my current income and I let them know that. I then provided them proof of my overtime allowance ( stub from XX/XX/XXXX ) and also proof of my wage increase. The next contact with XXXX the branch manager stated that they would not credit me for all my earned wages, and that they would approve me for a {$4000.00} loan based on income they calculated. I did the math and they were taking my income from the previous year, and not my current wages. From XX/XX/XXXX through XX/XX/XXXX I took home net pay of {$7000.00}, that would be a projected net income of {$84000.00} for XXXX. Instead XXXX the DM,  and XXXX used old paystubs to determine a net monthy income of {$3500.00}. They said they needed an exception to give me credit for all my earned monthly wages in XXXX. I provided all that they asked and my income is in black and white, along with updates to something I was not responsible for on my credit report. One Main chose to make thier own figure up, count retroactive pay, and not give me credit for earned wages. Furthermore they denied my application, after XXXX the branch manager told me I was approved for a lesser amount. They manipulated my income, changed terms mid deal, and provided no reason for discounting my earned income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: I.C. System, Inc.
State: TX

Complaint narrative:
I received an alert from XXXX XXXX, a credit monitoring company that I had a derogatory account from XXXX XXXX and IC System reporting on my credit profile. I immediately contacted XXXX XXXX to dispute the issue. I was told by the representative that the charge was because XXXX XXXX did not receive handsets after I canceled the service. I provided proof that the handsets had been scanned ie. the prepaid return shipping labels provided by XXXX XXXX. I also provided proof that the handsets had been delivered and received by XXXX XXXX. The representative assured me that the issue was resolved, but I received another notification weeks later stating that the debt of {$1400.00} had been sold to IC System by XXXX XXXX. This is not my debt.

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
I received a collection letter from the XXXX   State Treasury Dept. indicating that I have a collection balance of {$3200.00}. When I contacted them they indicated that this balance had already been sent to a collection agency and was referred to contact them. I contacted the collection agency and was advised that the balance was for not filing XXXX XXXX  State Taxes. I explained that I did not live in XXXX  in XXXX, I lived in XXXX  and filed State Taxes in XXXX. I moved to XXXX   XX/XX/XXXX ; therefore, taxes were not filed with the state of XXXX  for that year. I was instructed to send proof that I had filed elsewhere. I explained that I no longer have copies of my XXXX tax returns or W2s as this was over 8 years ago. As this is not my error, I asked the Collection Agency to  research this mistake on their end, as due diligence should have been done prior to sending me to collections. I was advised they were unable to do that. I tried obtaining the requested information but there's a {$200.00} fee to pull these records and have spent countless hours on the phone trying to contact the IRS to obtain such info, which there is also a fee for. In addition, I was never notified that there was an outstanding balance until I was already sent to collections. I am requesting that this is investigated further and cleared, as no error was made on my part and I shouldn't have to send any information to them.

Company response to consumer: Closed with explanation