vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Johnson Mark LLC
State: OR

Complaint narrative:
This is a complaint against Johnson Mark, LLC ( previous known as XXXX, XXXX, XXXX XXXX, XXXX ) that practices business at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX Johnson Mark, LLC is representing XXXX XXXX ( XXXX XXXX XXXX, XXXX  ) doing business at the following address : XXXX. XXXX  XXXX, XXXX, SC XXXX This law firm is being reported for a violation of section 808.8 of the Fair Debt Collection Practices act. 

Johnson, Mark LLC has been filing legal documents in the XXXX County Circuit Court using the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, OR XXXX This address is for a XXXX Store located in XXXX and doesn't reflect any physical address the is used by the law firm to practice or conduct from. 

Since the debt collector has misrepresented themselves on legal documents at an address that doesn't reflect a location where Johnson Mark, LLC practices law and doesn't reflect the address used when filing business forms with the State of Oregon, Secretary of State, this scenario could make it difficult for Johnson Mark, LLC to follow garnishment proceedings with publicly traded companies such as ADP since garnish paperwork served doesn't not reflect the correct address where the law firm is currently residing in the state of Oregon or their own home office as section 808.8 implies. 

As a result, these collection practices appear deceptive to the consumer as well as a lack of accountability on how the law firm has chosen to practice law in the state of Oregon that could lead to being reported to the US Postal Service for mail fraud and the possibility of wire fraud charges, at the federal level, since there is no indication the the garnishment is correctly being applied to XXXX XXXX ( XXXX XXXX XXXX, XXXX  ) simply going by the work of Johnson Mark, LLC at this time. 

While XXXX XXXX ( XXXX XXXX XXXX, XXXX ) has indicated in phone conversation that they have been for the debt, that is only based on a telephone call and not in writing. 

Lawyers for Johnson Mark, LLC have been reported to the Oregon Bar Association for misrepresentation since neither attorney ( Mr. XXXX XXXX XXXX and/or JXXXX XXXX XXXX ) has been actively practising law in the state of Oregon through an office within the state of Oregon ( based on their own Linked In social media profiles ). 

Mr. XXXX has represented himself in a hearings based on a XXXX conversation ( via voice ). In addition, the physical office reported on documents with the state of Oregon, reflect an inactive office space.

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 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am having the worst experience with State Employee Credit Union. It all started in XX/XX/2018. I was having an issue with XXXX accessing my account. They debited on XXXX and XX/XX/XXXX. I don't know how they received my information but I disputed it. That went well but I was advised they would be blocked and of course they were not. So I called back and was advised to switch debit cards. So I did, Then XXXX charged the new account. I then closed the account per bank advise again. And yes XXXX now has charged the new acct. So then I was advised that banks give the company 's the new card numbers. Never heard of such a thing. I was advised to again get a new card and stop the process of giving the company my new information. As if all of that was not enough. On XX/XX/XXXX I started paying my XXXX XXXX payments via checking account and XXXX closed my account via checking account reporting closed when we call into credit union the account was clearly open. Now today I tried to deposit funds from my XXXX account. Now they are reporting the account I just opened and have direct deposit to is closed. I contact the bank and stated I have not used the account in 3 days so they closed it. I just cant get a break with this bank. Its so many grey lines and I have never experienced with any other bank. I am terrified of what to expect from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
They will NOT send my payoff, they keep claiming they are faxing it and verify the fax #, every single time I call there is a different excuse, it takes 5 days, it takes 2 days, you sent the payoff request to the wrong fax number, can you verify the fax number, and now they say they have faxed it 3 times but don't have the times it was faxed. My attorney is holding my loan proceeds until they receive the payoff statement which never seems to come!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
I currently am trying to find a new job after losing my first one. Since then I have not been able to pay my loan and I have explained this. I am being harassed constantly by gold star finance. XXXX XXXX comes to my house embarrassing me in front of my family and friends telling me I need to come in and see her. I also have been receiving several phone calls and left several voicemails everyday from gold star. I'm just sick of it. They threatened to come take my belongings as collateral and damage my property to do so. It's very depressing. When I get the cash I can come pay them. Other than that I really wish they would stop harassing me. It makes me want to just end it. I can barely pay my Car note. This Is a small town with XXXX employers and they won't hire me anywhere. Ive been trying to move so I can pay my bills but I have no gas money to keep driving. The XXXX all starts with losing my job then being harassed by loan companies. I hate my life because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TX

Complaint narrative:
I have disputed this entry on my account with Experian bureaus as well as with XXXX XXXX. XXXX XXXX placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent XXXX XXXX ( see attached letter ). XXXX XXXX did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was Experian able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, XXXX is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.

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 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: OK

Complaint narrative:
I have been receiving repeated phone calls on my landline from a recorded voice caller with a gruff male voice who identifies himself as a debt collector. The recording does not identify the company the caller represents. He demands I call them back at XXXX. My caller ID shows the call is from XXXX, Texas from the number XXXX. I called the XXXX number and asked who they were, The man told me they are XXXX XXXX XXXX. He said he had a number in this file from a certain person. I told him that no such person resides here. He said he would mark it as an invalid number and we should not receive any further calls. I can not understand why we are getting several calls each day from this so-called debt collector. I looked up the problem on XXXX and found numerous others that are also receiving calls from this same source multiple times each day and are very concerned. I contacted my phone service provider and set it up for them to try to block the XXXX number on my phone line, but, as you know, these companies keep calling from a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BB&T CORPORATION
State: LA

Complaint narrative:
I financed a brand new XXXX through XXXX XXXX. I paid my loan off in full and then called the finance company for a title. When I called the company, a representative said they did not have the title because XXXX XXXX did not send one to company. I asked why didn't they contact me about that issue long before I paid the loan off. The representative said it was not XXXX 's problem and that I needed to call the dealer that I bought the car from ( XXXX XXXX of XXXX, LA ). I paid title fees that was calculated into my final price and paid all of the money to XXXX. I need a title to this XXXX  and I have been getting the " run around '' for over a year. Between calling XXXX before they went completely out of business, to calling the DMV, XXXX, Louisiana commission and now this website. I just need my title that I paid for.

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 2018-08-24 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: GA

Complaint narrative:
As of XX/XX/XXXX, requested inquires to be removed from your files : To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding inaccuracies in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by over 30 companies. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX  XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX 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 2018-08-24 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: NV

Complaint narrative:
In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I spoke to XXXX XXXX XXXX at XXXX XXXX XXXX   about refinancing my property. He told me that he would assist me and asked that I send him over information that he needed to process my application. I sent the information to XXXX via email on XX/XX/XXXX. XXXX called me back and stated that my file has me listed as white, but I don't sound white. I told him that I have been listed as white since XXXX and I mentioned it, but it was never changed. 

On XX/XX/XXXX I contacted XXXX via work phone, cell phone and email, but he did not answer, or respond. I wanted to find out the status of my application. I also called the main number several times, but no one answered the phone. I finally spoke to XXXX on XX/XX/XXXX. He requested additional information and some information that I had already sent to him in XXXX. I expressed this to him in the email. 

During the next 4 conversations that I had with XXXX, I asked him why was the process taking so long. He stated that it was underwriting fault and he had been on them to get my application processed. XXXX also stated that underwriting was not able to get my account number from XXXX XXXX. He stated they called XXXX and was told they could not provide them with it. I asked XXXX why didn't he just ask me for the number, I could have provided that weeks ago. He stated that he didn't know why underwriting didn't think to do that. 

I contacted XXXX XXXX  and asked about the process for the request from Village Capital. The representative that I spoke to stated that they would not have told Village Capital that they could not supply the information. At that moment I put XXXX and XXXX on a 3 way call and expressed this to XXXX. He stated that underwriting must have lied and never called. 

Around XX/XX/XXXX I contacted XXXX again to get an update. He stated that he would contact underwriting and call me back. XXXX called me back and stated that my application was not approved because of my income. I had XXXX go over my income and noticed that he had not included all of my income and that I sent the documentation to him back in XXXX. He went through his email and said that he saw it and would call me back. 

XXXX called me back and stated that underwriting still didn't approve it and that he was sorry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: MO

Complaint narrative:
My child received an offer, in his name, with my address but the wrong zip code to get a payment card. My child is not working and is not age XXXX to receive a credit report. I'm concerned about why & where this company received his name and why they are sending him these offers. I'm also concerned about identity theft of my child 's identity.

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 2018-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a letter requesting my SSN to be given to Bank of America or else my accounts with them will be closed. I went to a branch on XX/XX/18 showed them my SSN and personal information. Spoke with XXXX a bank phone representative, and XXXX XXXX ( manager ) on XX/XX/18 but they're still indicating my accounts will be closed by Bank of America. 

I have banked with then for more than 10 years, I had a mortgage account, credit cards so they do have my SSN number. It is not fair that they are closing my accounts even after I have provided them the required information they have requested.

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 2018-08-24 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: NJ

Complaint narrative:
XXXX lease was closed out 2015 A/c number XXXX Experian has a balance due of {$410.00} and a XXXX  monthly payment that shows as due XXXX  shows that a XXXX  monthly payment is due Both are incorrect and XXXX has verified that this account is closed and nothing was due at the time it was closed

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 2018-08-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I've been having this problem with Equifax for a while now,, I disputed the bankruptcy that's showing inaccurate information on my Credit report. I disputed the bankruptcy in XXXX and they replied back it was verified and accurate on XX/XX/XXXX XXXX on XX/XX/2018 I asked the US Bankruptcy court by writing do they verify or send information to the credit Bureaus. The US Bankruptcy court replied back to me in writing saying that they do not provide any information to the credit bureau.. I have a copy of that letter from the clerk Enclosed. on XX/XX/2018 a security freeze was in effect on me with XXXX I have a copy of the freeze from XXXX XXXX. On XX/XX/2018 A security freeze was in effect with XXXX.. I have a copy of the freeze confirmation from XXXX. In XX/XX/2018 I sent a certified letter to Equifax to reinvestigate the inaccurate Bankruptcy on my credit report ... They replied back saying it was verified in XXXX. They are reporting inaccurate information because the US Bankruptcy do not report any information to the credit bureau. I have freeze on my credit file so how are they getting the verification.. They are reporting inaccurate information. They are reporting misleading information they are reporting information that is not valid. I then filed a complaint with the CFPB on XXXX for them to investigate why Equifax is not reporting 100 % accurate information. Also As you can see from the XX/XX/2018 report from Equifax ( XXXX ) they have the address listed as XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) But on the XX/XX/XXXX report ( XXXX ) the address is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ..The information is not accurate from the previous report, .. on XX/XX/2018 I submitted a complaint on this same issue with Equifax and they responded back saying they need authorization from me to proceed with my complaint,,, I called the CFPB to see what was that about and said Equifax need me to send in my Drivers license .and copy of my social security card,,, I called the Equifax global to see what was the issue and I advised them of my complaint and advised them that they already have pictures of my ID and my Social Security Card in file AND A COPY OF A BILL IN MY NAME SO WHY THEY NEED AUTHORZTION TO respond to my complaint. They are not trying to respond to my complaint because they know they are not reporting 100 % information on this issue and they are trying to get out of responding to my complaint. This is not right ... my consumer rights ' are being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : Experian : *Delete XXXX XXXX & XXXX XXXX XXXX XXXXDelete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX XXXX address : XXXX XXXX XXXX., XXXX, FL XXXX ( These addresses do not belong to me ) XXXX : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXXDelete XXXX, XXXX *Delete XXXX, XXXX, XXXX XXXXDelete address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL 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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN WILL not update / Delete the address below from my credit file! 

This is a Non-compliance request i have never lived at this address, it belongs to another family member XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl 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