vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 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: SCA Collections, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent via certified mail ( # XXXX ) a debt validation letter to SCA Collections, however the response I received from the company, violates my rights. SCA Collections is reporting to XXXX, that the account was opened on XX/XX/XXXX, which contradicts the date ( s ) listed in the documents that the company mailed to me. 
This is proof that the company is currently reporting an illegally re-aged account. This account was removed from my XXXX and XXXX   credit reports earlier this year, as a result of a dispute I filed with them. However, XXXX  " verified '' the account as " accurately '' reporting, and is the only credit reporting company showing this account on my reports. 
In addition, I asked SCA Collections in the debt validation letter to provide me with the signed HIPPA release form. They failed to provide me with this form, in their response. 
In conclusion, I demand that this account be immediately deleted from my credit report ( s ).

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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I opened an Amex Everyday card and forgot to set up auto payment. ( Customer service said I set up auto payment on the old card, wrong account. ) I was out on vacation for a month and missed a lot of mails which included one of the statement. And I only found out that I've been missing the payment for two month when I received phone call yesterday. Because I missed the payment, Amex canceled the card and all the rewards points are gone! I did not get separate email, mail, text or phone call about late payment or pending cancellation. All I received was regular statement mail ( which I missed the last one due to vacation ) and email which are easy to miss because they just have statement in title. After talking to customer service and paid my balance, my card was re-installed but the XXXX rewards points that I accumulated over the account was gone! 

Here 's what I think is unfair in this process : 1. I did not receive a noticeable warning about missing payment. It's the same as regular statement. 
2. I did not receive any warning about card cancellation. No text, phone call, mail or email at all. 
3. My XXXX rewards points are simply forfeited, even though there were proof and records of those points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
I have previously filed complaints against my mortgage company/servicer, Nationstar DBA Mr. Cooper/XXXX  XXXX. I have filed complaints which contain up to a dozen various violations and issues. Mr. Cooper associates have failed to answer even one of these issues. At this time, I will focus on one violation, which is providing a fraudulent address for the supposed owner of my mortgage. 
1 ) Nationstar Mortgage DBA Mr. Cooper has provided fraudulent and conflicting information regarding the address of the Assignee/Owner of my mortgage. When XXXX XXXX once again became the Owner/Assignee on XX/XX/XXXX, the recorded Assignment of Mortgage lists an incorrect address for XXXX XXXX. The address is recorded with the XXXX County Clerk as XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This is NOT the address of XXXX XXXX or Nationstar/Mr. Cooper. XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is the address belonging to XXXX XXXX XXXX, as confirmed by Mr. XXXX, who is the Facilities Coordinator of XXXX XXXX XXXX. I am attaching a letter from Mr. XXXX, in which he states that XXXX XXXX XXXX  is the sole tenant of the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am also attaching a letter from Mr. XXXX in which he states that XXXX XXXX XXXX  moved into the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, in XXXX of XXXX. Prior to XXXX, the previous tenent of the building was XXXX. In order for XXXX XXXX/Nationstar DBA Mr. Cooper to legally foreclose, the Assignment of Mortgage which is recorded at the XXXX County Clerk, and shows XXXX XXXX as the owner of my mortgage, must list the legal and correct address for XXXX XXXX, and not that of an address belonging to another tenant of the building.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a complaint on XX/XX/2019, with complaint ID XXXX, which indicated that Bank of America incorrectly put hard inquiries on my XXXX  credit report twice, on XX/XX/2019 and XX/XX/2019, respectively, and Bank of America also incorrectly reported to XXXX a credit card account that starts with XXXX which is not mine. 

After the submission, I received one letter from Bank of America saying that they request XXXX to remove the inquiries on XX/XX/2019 and XX/XX/2019. However, only the inquiry on XX/XX/XXXX has been removed. The inquiry on XX/XX/XXXX is still on my credit report. 

Another letter from Bank of America says that their review determined that they " accurately reported to the consumer credit reporting agencies '' and considered my dispute resolved. It further states that my file may have been combined with the file of someone with a similar name and I need to contact the reporting agency directly to resolve the matter. 

Since the complaint was also submitted to XXXX, they had already opened a dispute on the account that starts with XXXX. On XX/XX/XXXX, I was notified that the dispute results are ready and their reinvestigation concludes that this account should remain on my report, because " The company ( presumably, Bank of America ) that reported the information has certified to XXXX  that the information is accurate. '' To summarize, after a month of investigation and processing by both Bank of America and XXXX, only one of the two erroneous inquiries was removed and someone else 's credit card account is still on my credit report because Bank of America determined that they reported accurately and XXXX takes their words for it.

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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I was not aware of any debt owed to XXXX or TSI until posted to my Credit Report by TransWorld. Per my XX/XX/19 XXXX XXXX  conversation with your TSI Representative XXXX XXXX /XXXX  she could not verify " XXXX  '' as original creditor. She informed me that I was a " consignor '' and did not offer to send proof but informed that she could/would only " note dispute ''. I have not received any communications from XXXX XXXX or Transworld Systems as to debt owed at anytime. I have no knowledge of XXXX XXXX. They have failed to provide initial written communication to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
XX/XX/XXXX NY XXXX XXXX XXXX- Date Opened XX/XX/XXXX Status Collection account. {$12000.00} past due as of XX/XX/XXXX. / account closed, inaccurate information. 
NATIONAL CREDIT SYSTEM- XX/XX/XXXX Date Opened Collection account. {$2700.00} past due as of XX/XX/XXXX./ wrong amounts & this is public records NATIONAL CREDIT SYSTEM- XX/XX/XXXX Date Opened Collection account. {$4600.00} past due as of XX/XX/XXXX- wrong amounts & this is public record

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
****THIS IS NOT A DUPLICATE**** CONDITIONAL ACCEPTANCE UNDER PROOF OF CLAIM, AND UCC 11 SEARCH Now comes XXXX, XXXX ; COMPLAINANT and pursuant to Article VI clause 2 of the organic Constitution of these United States of America as per the Supremacy Clause. 

XXXX has not seen or been presented with any documentation verifying that l have voluntarily, knowingly and intentionally, entered into a contract with Wakefield & Associates, to perform to your demands ; and believe that no such verified documentation exists nor has my wet ink signature with your third party company ; XXXX has not seen or been presented with documentation verifying that all the terms of the contract were disclosed in the document and believes that no such verified documentation exists. 

After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: CA

Complaint narrative:
I submitted a complaint on XX/XX/2019, with complaint ID XXXX, which indicated that XXXX  XXXX XXXX incorrectly put hard inquiries on my Experian credit report twice, on XX/XX/2019 and XX/XX/2019,  respectively, and XXXX  XXXX XXXX also incorrectly reported to Experian a credit card account that starts with XXXX which is not mine. 

After the submission, I received one letter from XXXX  XXXX XXXX saying that they request Experian to remove the inquiries on XX/XX/2019 and XX/XX/2019. However, only the inquiry on XX/XX/XXXX has been removed. The inquiry on XX/XX/XXXX is still on my credit report. 

Another letter from XXXX  XXXX XXXX says that their review determined that they " accurately reported to the consumer credit reporting agencies '' and considered my dispute resolved. It further states that my file may have been combined with the file of someone with a similar name and I need to contact the reporting agency directly to resolve the matter. 

Since the complaint was also submitted to Experian, they had already opened a dispute on the account that starts with XXXX. On XX/XX/XXXX, I was notified that the dispute results are ready and their reinvestigation concludes that this account should remain on my report, because " The company ( presumably, XXXX  XXXX XXXX ) that reported the information has certified to Experian that the information is accurate. '' To summarize, after a month of investigation and processing by both XXXX   XXXX XXXX and Experian, only one of the two erroneous inquiries was removed and someone else 's credit card account is still on my credit report because XXXX  XXXX XXXX determined that they reported accurately and Experian takes their words for it.

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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. 

All rights Reserved and without prejudice to any of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have submitted a short sale offer to US Bank for review. Their appraisal value returned higher than the property can presently be sold for, due to the repairs required. We do not believe the as is value of the bpo and/or appraisal was calculated correctly. The value dispute documents, contractors bid for repairs and photos of damages, were emailed to the previously given address for our direct contact, XXXX XXXX at XXXX and the general US bank email address given for loss mitigation documents of XXXX both on XX/XX/2019. After no initial response, my agent also formally resubmitted our short sale request and uploaded the value dispute to XXXX on XX/XX/2019. We have received zero acknowledgement or response from US bank on our value dispute. My agent also reached out to the newly assigned negotiator, XXXX XXXX, via XXXX  on XX/XX/19 and XX/XX/19 with no acknowledgement or response to our value dispute. My real estate agent 's office made calls to US Bank directly on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19, at which times no representative of US Bank has ever been able to give us the status of the value dispute.

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 2019-12-18 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: OR

Complaint narrative:
XXXX  XXXX  is reporting I have a late payment on each student loan. Ive never missed any payments and this is incorrect. Id like proof of the missed payments since my payments are deferred and {$0.00}

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 2019-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Ocwen/PHH placed homeowner in foreclosure using questionable methods of inaccurate accounting, and has potentially been found to be Dual Tracking ( illegal in MN per the sheriff office phone call ) the process. Phone calls and Emails directly to the company have been made by the homeowners on many different and recent attempts, and outside services have been notified by the homeowners of this unnecessary situation, yet the company has eluded the provision of accurate or relevant answers. 
The company seems to have a difficulty applying the payments the company received on time and in advance since the beginning of the loan. ( See submitted paperwork ) They have held payments in a suspense account from XX/XX/XXXX-XX/XX/XXXX charged late fees, sent the suspense money, which was held for 7 months, back to the homeowner, and proceeded with reinstatement quotes in lieu of the foreclosure that was initiated. 
The homeowner has repeatedly asked for clarifications without receiving any response. 
They have reported to the credit bureaus late payments and foreclosure literally destroying credit worthiness of the homeowner for any future financial decisions. This seems like a hostage arrangement. 
There is a financial nightmare that was created because payments were made but not applied. 
They have failed to send relevant and timely communication when asked about any statement errors. 
The company coerced a poorly structured loan modification with a balloon payment in XXXX by doing the exact same payment withholding practice, knowing that a loan modification would hinder any conventional refinance options. 
The Company name has recently changed in XXXX, but the practices have not, and now the company has made the homeowner out to be the one in error, thereby potentially forcing a foreclosure sale ( It is scheduled XX/XX/XXXX at XXXX ) despite homeowners many efforts to dispute and gather any accurate account information, and have the company correct their accounting practices -- mismanagement of funds The MN Dept of Commerce was included in the Complaint. 
The MN Attorney General was included in the Complaint in XX/XX/XXXX and has not received any word from Ocwen/PHH. 
XXXX XXXX has claimed over the phone ( XX/XX/XXXX ) a foreclosure has been postponed, but as of XX/XX/XXXX, as I type this, there has been zero proof of postponement per the MN state law, so the homeowner will be at the courthouse in MN at the scheduled time in the morning just to verify the accuracy of the phone conversation. 
Ocwen/PHH is extremely untrustworthy and has attempted this practice many times on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
This entire debt is fraudulent, if you XXXX  this company multiple people complain that the company is not real and its fraud and its for a collection for XXXX Ive never had XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MO

Complaint narrative:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ENHANCED RECOVERY CO. Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: MO

Complaint narrative:
I have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.

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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ACCOUNT RESOLUTION COR Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction.  According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: MO

Complaint narrative:
I have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.

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