vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
To date, I have not received any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay XXXX XXXX. XXXX XXXX also failed to show ( 1 ) that a contract existed between myself and XXXX XXXX XXXX and XXXX XXXX and ( 2 ) a summarization of the amount allegedly owed on the account. Finally, XXXX XXXX did not supply a bill of sale or copy of assignment agreement pertaining to the alleged account between myself and XXXX XXXX XXXX and an alleged account between myself and XXXX XXXX. I disputed the alleged debt in XXXX XXXX, however XXXX XXXX continued to try to collect on the account from me, in violation of numerous provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, which prohibits unfair and deceptive debt-collection practices. XXXX XXXX failed to report to XXXX Credit Bureau that this alleged account has been disputed which is in violation of the Fair Debt Collection Practices Act, Section 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means with the collection of any debt. Subsection ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 1. Disputed Debt. If a debt collector knows that a debt is disputed by the consumer, either from receipt of written notice ( Section 809 ) or other means, and reports it to a credit bureau, he must report it as disputed. 2. Post-report dispute. When a debt collector learns of a dispute after reporting the debt to a credit bureau, the dispute need not also be reported ; and 4.  Violation of the Fair Credit Reporting Act including but not limited to Section 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute. ( 1 ) In general. After receiving notice pursuant to Section 611 ( 1 ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to Section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: LA

Complaint narrative:
Hi, Im currently XXXX with the United States Military. On XX/XX/XXXX, I checked my credit report and noticed that I had a collection account reported in XX/XX/XXXX. The debt was reported by Debt Recovery Solutions as a medical debt from XX/XX/XXXX. I immediately called XXXX  to dispute the medical debt, because I was not aware of any medical debts. TransUnion asked did I contact Debt Recovery Solutions to discuss the debt. I advised XXXX, that I did not contact Debt Recovery Solutions at the time of our conversation. After disputing with XXXX, I called Debt Recovery Solutions, so that I could get a validation of debt emailed to me. The consultant at the company asked me for my social security number, in order to verify the debt. The consultant, then proceeds to advise me that they sent a letter to my address and had given me 30 days to respond, before they reported the debt to the credit bureaus. I then, advised the consultant that I was not in the United States and have been out of country since XX/XX/XXXX. The consultant then yells at me and states that how did I want to handle this. I then, advised the consultant that I was not in the United States and needed a debt validation emailed to me or mailed to my address back in the United States. The consultant advised, that he would send a letter to my address. Due to me being XXXX, I was not given a proper notice of any medical debt, nor was I given any validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
The mortgage servicer has not paid my county property taxes. I pay my escrow account for the servicer to pay my taxes. I have been in contact with the servicer since my first delinquent tax notice in XX/XX/2018 and I still have a delinquent bill despite being told the taxes have been paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
See complaint no XXXX dated XX/XX/XXXX XXXX XXXX XXXX   was asked to ***1. Explain undocumented additional charges on statements from XX/XX/XXXX to present ***2. Explain the exact criteria to qualify for the available {$10000.00} deductible on flood insurance policies.

***3. Remove the {$39.00} late fee charged in XX/XX/XXXXbe removed as the payment was made timely but allocated to undocumented charges before being applied to interest.

The reply only addressed the undocumented charges.

I also would like an explanation as to why Capital One purchased an excess flood insurance policy for {$57000.00} in XX/XX/XXXX when there was an existing policy for {$100000.00}. The duplicate policy was purchased inXX/XX/XXXX BEFORE a decision regarding the {$10000.00} deductible was made on XX/XX/XXXX Initial reply ofXX/XX/XXXX ignored the criteria for the {$10000.00} deductible and the late charge in XX/XX/XXXX for a payment that was made on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
In XX/XX/2017, I filed a police report for identity theft. I listed Santander as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX  and XXXX removed all the fraudulent accounts including Santander. XXXX did not. I re-sent the identity theft dispute to XXXX and was told that the dispute information was sent to Santander. I recently was told to contact Santander directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called Santander in the middle of the loan and gave my information to them which prompted Santander to start reporting the loan under my social security number. I was given an identity theft packet by Santander to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX  form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I recently received a copy of my XXXX and Equifax credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX and Equifax creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX5- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( equifax report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( equifax report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX8- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 10- ( equifax report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( equifax report ) XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
I signed an original contract with KHEAA ( Kentucky Higher Education Assistance Authority ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX   passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: ND

Complaint narrative:
I reviewed my credit reports for XXXX, XXXX, and XXXX   in XX/XX/XXXX and XX/XX/2018 and saw that XXXX XXXX through Diversified Consultants Inc. has a negative mark on all three bureau 's for a debt that is not mine. I disputed the incorrect information and it was removed from all three credit reports within the 30 day dispute time frame, except from XXXX, which took 45 days. I am trying to purchase a home, so I had the banks pull my credit files in mid XX/XX/XXXXand I had no open collections on any of my reports.

Today, I went to the bank to sign more loan paperwork and they pulled my credit file to lock in my interest rate and Diversified Consultant 's Inc has re-entered the XXXX XXXX collections account onto my XXXX   report without notification as required by law. I was not given any response time or a 5 day warning-the collection date was adjusted and it has resulted in my loan application being kicked back until this is fixed. This is sneaky and harassment and not my debt, yet I feel that I am being forced to pay it. I want this company to stop adding things to my credit report just because they have access to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
My daughter ate my money order for my rent ... {$970.00}. I didnt give it to her directly ... she managed to open my wallet ... which is pretty skilled for a then XXXX  month old. Anyway, the place I purchased my money order from said they couldnt refund it. I did purchase another one because I had to pay my rent. Then I called Western Union. They said I had to fill out a form and pay them {$15.00} per money order to receive a refund- and the processing takes 30-60 days. Well that was 30 days ago and they are saying they didnt receive my paperwork- which included the damaged money order, the fee, and the refund request form. Ive asked to speak to several managers each time it ends up going to a dial tone. Ive talked to like 8 different people. I dont know what to do. Theyre not XXXX  accredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BAC LN XXXX  XXXX XXXX XXXX, XXXX XXXX  CA XXXX   XXXX XXXX XXXX XXXX  The homeowner is DEAD. I have faxed in the authorization, copy of death certificate, and the probate paperwork. ( see attached ) Bank of America is REFUSING TO PROVIDE A PAYOFF DEMAND TO ME AS THE AUTHORIZED THIRD PARTY.

WHY is Bank of America allowed to do this -- - isnt this ILLEGAL????????????????

I want a payoff demand immediately and without further delay.

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 2018-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I signed an original contract with XXXX  ( XXXX XXXX XXXX XXXX XXXX ) which obviously sold my information to this other company that I never had no original contract with which was XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.

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 2018-04-17 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: KY

Complaint narrative:
I signed an original contract with XXXX ( XXXX XXXX XXXX XXXX XXXX  ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX  passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I signed an original contract with XXXX ( XXXX XXXX XXXX XXXX XXXX  ) which obviously sold my information to this other company that I never had no original contract with which was XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to XXXX XXXX which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.

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 2018-04-17 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
XXXX XXXX XXXX has not reported my payment history since XX/XX/XXXX. I have contacted and can't get anyone to report monthly to credit bureau. This is affecting my credit due to me trying to get a house. I have also faxed a copy of my Driver license and Marriage certificate where I got married XX/XX/XXXX and my name was changed on my account last time I complained and now it is back to XXXX. My Legal name is XXXX XXXX now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
We closed on our home XX/XX/2017. We had already paid for homeowners insurance for a full year in advance to closing. Also, my husband is a XXXX XXXX XXXX XXXX XXXX Veteran and so is Tax exempt in Florida. Our loan broker was XXXX XXXX with XXXX XXXX. We informed him up front that we did not want to use Freedom Mortgage. Within 30 days of closing we received a letter stating Freedom Mortgage would be our new mortgagor. We made our payments as described and agreed upon in our contract. However, Freedom Mortgage, cashed our checks and held the money not applying it to our loan. We called them, faxed them, emailed them and hand wrote them using the USPS with certified mail numerous times giving them copies of our contract, proof of tax exempt status, prepaid Homeowners insurance for a year in advance and even had the insurance company verify the insurance status. Freedom Mortgage continued to cash our checks and not apply them to our account and added late charges onto our loan. In fact they reported us as late payments every month on our credit report which has ruined our great credit, caused unbearable stress and embarrassment. We do not know what to do.

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 2018-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I have been trying to gain access to my savings account with Ally Bank since XX/XX/XXXX My savings account has XXXX saved. I was told that I will need to provide identifying documents to prove the account belongs to me. I sent my identifying documents in a week later after I was able to track the documents down. XXXX  from loss prevention of Ally bank told me that they will take 2 days to review and verify the identifying documents. I called 2 days later, XXXX told me she will call me before the end of the business day with a response. I did not get a response. Wednesday XX/XX/XXXX I called again. XXXX told me that I would have a response before the end of the business week, she would be the one to call me. I still did not get a response from XXXX  by the end of the week as she said. It is now 2 days into the next business week, TuesdayXX/XX/XXXX and I still don't have a access to my savings account. I tried calling XXXX   of Loss Prevention of Ally Bank and all I get is voicemail, Monday XX/XX/XXXXand Tuesday the XX/XX/XXXX. I have even tried to get my issue escalated to a supervisor but nobody was able to help me. I dont even think they escalated me, only tranfered me laterally to XXXX ( or a similar name ). My savings account has XXXX  in funds, I don't have access to my own money. Ally bank is holding my money 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 non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On my XXXX, XXXX, and Equifax reports an inquiry shows on XX/XX/2017. I have contacted XXXX XXXX several times regarding a fraudulent application that they caught. They told me that they have reported such to the three credit reporting agencies. It seems to me that by now these dings on my credit should have been removed by now,

Company response to consumer: Closed with explanation