vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
Franklin Collection Services is attempting to collect on a debt that is allegedly owed by me to XXXX XXXX XXXX. Case # XXXX. 

On XX/XX/XXXX ( via certified mail ) and then again on XX/XX/XXXX, I sent XXXX XXXX who is an account manager at Franklin Collection Services a FTC Identify Theft Affidavit attesting that the account in question was result of identify theft. Mrs. XXXX confirmed receipt on XX/XX/XXXX. Mrs. XXXX attempted to inform me that she needed to allow XXXX XXXX XXXX to conduct its own investigation, however, this is in direct violation of Federal Law since Franklin Collection Services is the furnisher of the erroneous information to the credit bureaus, not XXXX XXXX XXXX. 

Since Franklin Collection Services is currently furnishing the XXXX XXXX XXXX account to the three credit bureaus, and I have sent Franklin Collection Services a FTC Identify Theft Affidavit, Franklin Collection Services is mandated to immediately remove and retract this information from the credit bureaus pursuant to FCRA 623 ( a ) ( 6 ) ( B ).

The statue reads : " ( 6 ) Duties of Furnishers Upon Notice of Identity Theft-Related Information ( B ) Information alleged to result from identity theft. If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. "

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I sent in paperwork to have account investigated. I didn't recieve the appropriate information proving this account is mine. Now I'm seeing that account was sold to a collection agency. The amount is {$2900.00}. I am requesting original signed contract, copy of license to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. This is the information I requested the 1st time and never received. I don't want a copy of a bill. That is not validation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
1 ) The mortgage servicer FlagStar Bank has failed to accept and permit the submission and review for Mortgage Assistance to XXXX XXXX XXXX and XXXX XXXX XXXX. Mr. & Mrs. XXXX were denied a modification in XX/XX/XXXX. However, the reason for denial, being the lack of 4 payments within the 1st 12 months of origination was accepted by the note holder/mortgage insurer FHA. 

2 ) FHA whom insures the mortgage agreed to provide an exception based for the XXXX mortgage, so that a modification could be provided. However, FlagStar Bank did not follow up on appeal process provided by the XXXX. FlagStar also neglected to follow through with FHA/HUD and honor the exception provided ; so that modification can be obtained. 

3 ) FlagStar Bank improperly started the foreclosure process prior to the customers, XXXX XXXX XXXX and XXXX XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect.

4 ) FlagStar Banks behavior constitutes dual tracking, based on the process starting before the 120-day delinquency period and FlagStar Bank representatives stated that file would be reviewed for mortgage assistance programs and exception provided by FHA/HUD would be honored ; however instead a sale date was entered into the system for XX/XX/XXXX.

5 ) FlagStar Bank did not review application instead FlagStar Bank ignored submission that was received 45 days before sale date ; and entered a new sale date of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is regarding XXXX, XXXX, AND XXXX 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my Equifax credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the EQUIFAX BUREAU REPORT. 
IN XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to Equifax, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XX/XX/XXXX.. 
XXXX XXXX ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS. 
50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS  POSSIBLE PUNITIVE AWARD, should XXXX XXXX and I meet in court. 
Equifax regardless of the position of XXXX XXXX.has the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I applied and received a flexloan on-line in the amount of {$350.00}. 

I signed an EFT authorization which listed my checking account with XXXX XXXX XXXX and the debit card associated with my account ending in XXXX. 

On or around XX/XX/XXXX, well before my first payment was due, I telephoned Advance Financial and revoked the EFT authorization. As such, Advance Financial did not initiate any EFT debits from my account. 

On XX/XX/XXXX, Advance Financial debited my XXXX reloadable debit card without authorization. The company sent me an EFT authorization form allegedly signed by me. 

1. It is clear that after 15 months of never conducting an EFT transaction, that Advance Financial was well aware that I had revoked such authorization.

2. Advance Financial illegally obtained my XXXX debit card information and added that to the EFT authorization form. 

3. Advance Financial is not licensed to conduct consumer financial loans in Virginia. 

I never gave AF authorization to debit my XXXX Debit Card for three separate amounts and would like to be reimbursed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have attempted 3 times to close my savings account with CitiBank and they will not close it. Their reps and supervisors keep assuring me they are closing it but it never gets done and they keep saying theres no confirmation to provide me that its closed. The 2nd rep even deactivated my account online to make it seem like it was closed and it never was. I am now being charged a monthly service fee. I do not know what to do anymore because they are going against my wishes of closing my savings account. Their reps are incompetent and liars. DO NOT ever bank with Citi. This is the worst company. 

Call log to Citi : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

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 monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equiafax did not send me any proof of their investigation and just sending their letter that they have received the proof of late payment. I was never late with XXXX  account. Also collection account is not belongs to me and i have never open the account wit this company see attached letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX On XX/XX/2019 I applied for a business credit card at Bank Of America. 
That day Bank of America did a hard pull on my credit report. I got information from the bank that I can receive a card but I have to open a CD account in the Bank. ( Secure business credit card ). I agreed because I wanted to build a relationship with Bank of America. I received the card a month later. Unfortunately, I don't know why Bank of America did the next hard Inquiry from XX/XX/2019. 
I never agreed to make another Hard pull. And they never got my authorization for that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Debt was discharged in bankruptcy. To include phone was sent to XXXX XXXX XXXX upon switching to XXXX. Im calling the XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Over the past year we have had terrible problems with our mortgage company who we have called and complained to on number occasions ( probably at least 12 calls including being transferred to supervisors on numerous occasions ). We have been submitting our payments two weeks in advance of the due date of the mortgage ( 1st of every month ). We have also paid extra money with each payment to be applied to the principle. They sent me a report for the past years activity of 18 pages. The reason for the 18 pages is the mishandling of funds. Not one payment that I can see was made without revision, fees added, or the funds being put into a side account! Then billing me for fees because the mortgage was not paid. It was paid but never credited to the account, they put the funds into a side account until I called to inquire. We do use a third party company who takes the funds out of our account on a bi-weekly basis and then send to the mortgage company two weeks prior to the due  date of the mortgage. Over the past year the company grossly mishandled the payments by the mortgage company in my opinion. The balance of the mortgage has gone up and down like a yo-yo instead of a steady decrease. I would really like to get a fresh set of eyes to see if my complaint is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The dispute began on XX/XX/2019 for {$XXXX} with XXXX XXXX this is when I called BOA ). I went to XXXX to purchase a BBQ smoker but the box contained only half of the products inside. When I went to return the product they said it cant be returned since half of the things were missing. SO I was stuck disputing it. 



Bank of America claims a letter was sent out XX/XX/2019 for more information but I have not heard a single thing from them, I asked them if they called and they said yes on XX/XX/XXXX which is way over 60 days later and also thats the exact day they reversed the charge and put it back on my account. 

They were rude to me, made me wait through 45-50 min phone call waits and kept transferring me from one person to another. I want to take them to small claims court. 

They have passed there statue of limitations and then claim its my fault that the claim was against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian investigation never sent us any proof of their investigation -They are just sending letter See attached info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I had ongoing problems when this company was called OCWEN, it is now called PHH Mortgage Servicing. During the big switch over, I was told I had to mail in my mortgage payment, so I did just that. I even wrote the check for XXXX in stead of the lower payment amount. The 'geniuses ' at PHH cashed my check and put the money in 'suspense '. They then proceeded to send me late notices and foreclosure notices. When I called to see what the problem was, as I had checked with my bank and the check had indeed been deposited. I was told they had no idea what to do with the extra amount of payment. I was very puzzled by this as in the past it had merely been credited to my principal. They finally credited my mortgage. Month two, I again was instructed to send a check, I did so, repeat first check problem, except this time I sent the exact amount ( so as not to confuse them again ). I again received late notices and foreclosure letters. I called and had the monies credited to my mortgage. Month three! same scenario. This is where the XXXX BPO fees came in ( which by the way have been added to my loan balance ) as well as a XXXX 'assessment fee '. From what the barely understandable ' customer service reps have told me, my deed will never be released until these fees are paid. This is a VA loan and I am a disabled senior Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I reached out to a representative from Jefferson Capital System and set up a pay to delete. Per our conversation ( XXXX ) and XXXX ( supervisor ) stated they would be able to do a pay to delete, when I specifically asked XXXX to send me a email stating they would be able to provide a pay to delete she said they do not use emails but they can go ahead and mail me one. I let them know that I need a letter of proof they will delete it before I can make a payment. XXXX transferred me to her manager and her manager ( XXXX ) told me she will send a secured email with the payment agreement INCLUDING THE PAY TO DELETE. I set up the payment for the XXXX for the full amount and verbally verified were doing a pay to delete and it will state that on the email multiple times. Once I receive the email I log into the desktop and set my account up with them and the payment arrangement is set up as XX/XX/XXXX balance will show PAID IN FULL. I called Jefferson Capital on XX/XX/XXXX to speak to the same representatives to see why I do not have that letter like we agreed on. When I spoke to both representatives they stated they never said such a thing and that they can not send out emails/letters for a agreement of pay to delete because they send it after. I informed both of them that I want in writing that once the payment is made in full they will agree to delete it off my records and that way I will go ahead and have documentation supporting my claim in case it does not get removed. After that both reps said they do not do that per the company policy and that they will remove the collection AFTER I make a payment and they will not inform me until AFTER they remove it via mailed letter. I informed both reps that this is lying to consumers, telling them this information and then not giving them proper documentation per request and also UNFAIR tactics to get consumers to pay on debts. LYING to get a payment and making false statements and claims. At the end of our conversation I asked for them to either give me some type of letter via email stating they will delete the collection off my credit once they receive payment on the XXXX and both representatives were not able to do that because it was " against policy '' and they delete it after they payment. I went ahead and voided my charge and verified the payment plan was delete for the XXXX. This company has horrible reviews and scare tactics to get their consumers to pay. I do not appreciate being lied to and tricked into FALSE AGREEMENTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regarding XXXX XXXX XXXX XXXX Credit Card from Capital One Application Number XXXX : On XX/XX/2019, I applied on-line for a XXXX XXXX XXXX Credit Card from Capital One Bank ( USA ), NA. The XXXX XXXX XXXX  Credit Card is advertised as a card for XXXX with little or no  credit history who want to build such history. My application for this card was done with that intent. Surprisingly, instead of approval, I received a Capital One letter dated XX/XX/2019 which indicated my application was denied due to too few or no accounts and/or score not available, insufficient, or unknown credit history. 

In response to the XX/XX/2019 denial letter, I wrote to Capital One seeking  the reason ( s ) for the denial. Instead of an explanation, I received a letter dated XX/XX/2019 which had virtually the same denial wording as the prior letter. This response was not helpful as I tried to understand the denial. 

I then requested my personal credit reports from XXXX, XXXX, and XXXX. I have reviewed those reports with my family and we find no negative issues other than a limited credit history ( which is not a reason for a denial of this credit building card ) which would cause Capital One to deny my application. 

I am a XXXX  with a limited credit history so I meet that criterion for the XXXX XXXX XXXX  Credit Card. I have one other credit card which is in good standing, so my limited credit history is favorable. That meets another criterion. Capital One has been non-responsive to my attempts to get clarity about the denial of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: SC

Complaint narrative:
I have disputed alleged account from XXXX XXXX XXXX XXXX multiple times with Equifax and XXXX. They ( Equifax and XXXX ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to XXXX XXXX Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681,  unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, XX/XX/XXXX, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.

Company response to consumer: Closed with explanation