vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : CREDIT COLLECTION SERVICE # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I set up a consumer account at https : //my.equifax.com/membercenter/ # /login, then logged in. It worked fine for a few minutes, then balked, saying I must log in again. Trying to log in again, the website would not accept my credentials that I had recorded in a text document to make sure I knew exactly what they were. 

So, I went through the password reset procedure, which let me set a new password. Again, the website would not let me log in, saying the password was incorrect ( I'm copy-pasting it to make sure it's exactly correct, and testing the paste buffer in a text file to make sure ). 

I called Equifax 's customer service, whet through the many questions used to authenticate the caller, then described the situation to an agent ( " XXXX '' ). She manually triggered a password reset, which had the Equifax system sent me email with a link to set a new password. I followed that link and set a new password, which was then rejected by the website when I tried to log in with it. 

This process went on multiple times, until later in the day an Equifax customer service agent told me I must fax or mail in documents to prove my address ( driver 's license ) and Social Security number. How that would make a difference, I can't imagine -- such copies are easily faked via XXXX or other software. In any case, Equifax 's website software is severely flawed in this regard, their technical password reset solution doesn't work, and their customer service can't help. 

My main goal here is to control the account such that a criminal can't create or access the account masquerading as me. All I want is access to the account that I set up and logged into this morning. Equifax makes it extremely difficult and time-consuming to attempt to resolve the access issue, and provides no indication that they are capable of resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
I am currently in a dispute with a new lender who has acknowledge their is an error. My loan has been transferred from XXXX XXXX XXXX with a HELOC that was forgiven along with an idenmification loss note affidavit. Ever since then, I have been trying to get these charges removed by Green Tree, Ditech and now Ditech has sold my loan to a Trustee who purchased my loan. She waited until I was in foreclosure and sold my loan at an auction. I was in XXXX XXXX bankruptcy while disputing with Ditech and my bankruptcy was dismissed in XX/XX/XXXX, I reinstated it but did not get a bk number because attorney stated I needed to have the arrears move from my account which is why I contacted Ditech and XXXX XXXX beginning in XX/XX/XXXX, but they kept transferring me to different dept. which led me to the attorney. However, she is unaware that my note was filed at the county recorder incorrect, the investor is XXXX XXXX, who I tried to get help from and who turned me away because I was in a class action law suit against Ditech Holding for not handling my account correctly. In XXXX of XXXX, I was transferred to XXXX XXXX Bankruptcy Department, then I started receiving statements from XXXX   XXXX who owns the rights to my loan. I contacted XXXX XXXX and they transferred me to Ditech, then Ditech transferred me to the Mortgage Law Attorney 's voice mail who is on the Trustee Sale, an agent for Ditech. 

After faxing my information regarding my error to XXXX XXXX, they said they are not responsible and said that XXXX XXXX. Now XXXX XXXX acknowledges there is an error but after filing a complaint against Ditech on XX/XX/XXXX, I received a letter on XX/XX/XXXX stating they are still investigating, then on XX/XX/XXXX, I got a letter of eviction ; giving me 5 days to vacate which will be XX/XX/XXXX. I have an attorney from  XXXX XXXX XXXX working with my lender to get the numbers and Hud also, so I wanted to file this complaint while my complaint is being reviewed by the attorney, Hud, FTC also has my complaint regarding the manner my house was sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TX

Complaint narrative:
1 ) Equifax breach my personal identifiable information in XXXX Data Breach 2 ) There were 6 fraudulent applications submitted on XXXX and informed Equifax but they haven't corrected the records. Even, XXXX XXXX XXXX XXXX XXXX XXXX XXXX didn't approved the credit card applications. Equifax haven't corrected the soft & hard inquires. 

3 ) Equifax share complete Social Security Number on the dispute & send it as a postal mail. It's not correct way to share SSN, Date of Birth through postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: WI

Complaint narrative:
I have no knowledge of this account it says it was opened 3 months ago XX/XX/2019 for XXXX XXXX XXXX  in the amount of {$300.00} I have not had any of there services the creditor on my report is Enhanced Recovery Compan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I received a bill from Sequoia Financial Services saying that I owed The City of XXXX {$170.00}, except that I haven't lived in XXXX for over six months and do not have any debts with them. The notice warned me that this would effect my credit, but could not give me any information on what the debt was for. After some research I realized that this is a scam that's effected a lot of people. It looks like they learn a single detail about you ( your doctor, where you live ( d ) ... etc. ) and send you a convincing debt collection letter that gives you just enough information for you to believe it, but not enough information for you to actually know that those debts are for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: WA

Complaint narrative:
1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2. Identity Theft XXXX XXXX XXXX XXXX    Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: WA

Complaint narrative:
1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2.  Identity Theft XXXX XXXX XXXX XXXXL Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply

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 2020-02-16 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: WA

Complaint narrative:
1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2. Identity Theft 07 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft 11 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft 11 XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply

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 2020-02-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Best Regards : Next, I will share with you a letter that I have sent to the Credit Bureau XXXX Experian XXXX and to the Collection Agency " XXXX XXXX '', this letter can be consider as a complaint letter and it will provide you with the details of my complaint. 

Credit Reporting Bureau : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam. 

The collection account that was recently placed on my credit report on XX/XX/XXXX under the name of XXXX XXXX  account # XXXX was previously Reported as Fraudulent and Deleted on the credit report of XX/XX/XXXX and your report # XXXX shows these item was deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

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 2020-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The company Phoenix Financial Services attempted to contact me on two different occasions, the first time was around XX/XX/XXXX. The collection agent failed to read any mini Miranda or hippa law, and did not even know if he was speaking with the correct person. I began to ask more questions about the call and advised the collector I had filed bankruptcy on XXXX XXXX and that the debt had been included, once the collect was aware He stated He would send out a letter and I could acknowledge via mail. 

On XX/XX/XXXX I received an alert from XXXX that a collections account had been added to my credit report, I contacted the number provided ( XXXX ) XXXX again it was the same collector this time he did verify my information and read the mini Miranda and stated He just wanted to know if I was still refusing to pay. I then advised the individual of the prior conversation in which a collections letter would be sent and I have yet to receive one to my knowledge, and that I had filed bankruptcy and the debt had been included. The collector then stated was the bankruptcy discharged I agreed and advised of the information given prior to the 2nd call. The collector stated we can work this out somehow in payments if I could settle the account being the account was purchased. I advised the collector that I was told the debt could not be collected on once the bankruptcy was discharged, he then stated a few different payment options as I ended the call with a feeling that the company was not able to call or collect on the matter. 
Date opened XX/XX/XXXX First Reported XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection company : Phoenix Financial Services Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: PR

Complaint narrative:
I received a letter from McCarthy, Burgess & Wolf in behalf of XXXX XXXX XXXX, in which they charge me {$1200.00} for an alleged service I received in Pennsylvania. Thing is, I have never lived in Pennsylvania and it is through that letter that I learned my identity has been stolen. The person in question has my social security number, and therefore my personal credentials. I filed an identity theft alert in all of my credit bureau accounts, and even did a report with IdentityTheft.gov. I have even done a police report concerning my identity theft problem. Since then, I called XXXX 's office on XX/XX/2020 to let them know of my situation. I also sent them a copy of my identity theft report on XX/XX/2020 to validate my claim. Today, XX/XX/2020, I received a letter from XXXX in which they claim they did an investigation and that I supposedly benefited from the service and therefore I owe that debt. They also say the balance is my responsibility. How can I live in two places at once? That's ridiculous! And of course the debt has been placed in my name, since the thief has MY credentials. They also say the investigation has been closed at this time, and the balance is due and payable on XX/XX/2020, and the letter got to me today XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
This account was opened by someone else on XX/XX/2019 I disputed it on my report but its still there and I don't know who opened this account! the amount is XXXX the original creditor is XXXX XXXX XXXX I don't even know what company this is.. the people collecting the debt is the cbe group inc

Company response to consumer: Closed with explanation