vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
XXXX Is citation number I found out that I had a ticket years ago for riding a bike on wrong side walk but really I just was unlocking bike and cop illegally searched me I asked why and got that ticket which I thought was payed off using XXXX program which I wanted to fight but I was poor at the time. since then I obtained license there was no Holds and I never received notice or anything that I still owed anything and GC services took my tax refund without notifying me at all not one notice not one call not one letter and I honestly feel like they should have let me know some kind of way in advance instead of intercepting my tax return which in my opinion is the equivalent to a bully taking your lunch money everybody please move out of California you dont have to put up with this and they took my whole refund and I didnt even owe that much on the ticket

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Total Customer Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX will be obligations to Debt collector. I need to file, the Statutes Of Limitation for a debt has been place on me, to, Fair Debt Collection Act. the third- party companies that collect debt on behalf of other business. are infamous for some of their underhanded tactic. used to collect debts from consumers.and Fair Debt Collection Practices Act knowing my right with debt even keep me from paying debt for which you have no legal obligation FDCPA applies to third- party collection agencies not the original company they created the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: IL

Complaint narrative:
This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: CO

Complaint narrative:
on XX/XX/2019 I received a email from Skrill confirming a payment of {$100.00}. The body of the email was addressed to someone else showing a credit card number that was not mine. There does not appear to be any issues on our credit cards. I called Skrill for an explanation. I was told this was a payment and the person making the payment was the one that listed my email for confirmation. I have no knowledge of the person who made this payment or how they got my email. I have never had any dealings with Skrill.

Skrill said all they can do is erase my email from their data base and records. I ask to speak with security about this incident to be certain there were not other issues. I was told that would not be possible.

I am concerned that there could be some sort of scam or fraud at work here. Skrill was not offering to do any research into the incident.

It makes no sense to me that a person I have never heard of would have my email info and use it for confirmation of payment on Skrill, something does appear right about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Complaint : the mortgagee ( Chase Bank ) is collecting more than the allowed amount for my escrow account. The escrow account is to collect for payment of my home insurance and property taxes. I called Chase Bank I believe back in XX/XX/2018 to discuss their error, but they did not remedy the complaint. 
Details : My combined annual home insurance of {$860.00} and annual property taxes {$2500.00} total the amount of {$3400.00}. The Chase Bank is collecting in escrow a total annual amount of {$4400.00} ( ie.  {$370.00} x 12 = {$4400.00} ). Per HUD, the maximum a lender is allowed to collect is the total annual amount due ( {$3400.00} ) plus two months ( {$3400.00} / 12 = {$280.00} x 2 = {$560.00} ). Per HUD rules, this totals a maximum allowed escrow amount of {$3900.00} ( ie. {$3400.00} + {$560.00} = {$3900.00} ). Chase Bank is collecting {$460.00} over the maximum allowed ( ie. {$4400.00} - {$3900.00} = {$460.00}. ). 
Chase Bank needs to correct the escrow collection amount to comply with HUD rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Seven ( 7 ) letters attached explain the issue in detail. You are welcome to contact me by phone, mail or email for further information or clarification. 

For over a year, XXXX XXXX has been making unauthorized charges to my Capital One credit card. 

I have repeatedly asked XXXX to stop and I repeatedly have asked Capital One to not allow charges from XXXX. Both companies continue to act unilaterally and they ignore my requests. 

Capital One will not credit my account for these unauthorized charges. 

Capital One has damaged my credit rating due to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am receiving credit-related promotional material from many sources, at my home residence and my work address. The addressed name is not mine, but the street addresses are correct. I looked on my credit reports for the different agencies and there seems to be one address reported as a home address that is not mine at all. I wish to remove this address from my reports and also find out how to remove any associated accounts opened with my credit information but under this other person 's name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: MD

Complaint narrative:
This company is calling 8-10 's a day using robocallers that do not leave a voicemail, however there is always a rising or tail tone message left. There is no identification of the business in any messages and there is always 5 calls that are done through number spoofing. When trying to contact this business back, unless they're calling from the number attached onto this form, there is instantaneous answering of the call and the company does not identify itself as a collection agency. The company does not comply when asking what type of business they are and they demand a yes or no verbatim in order to even learn about who they are. They have been calling and abusing my home phone number for over a year and with no end morning, noon, and night. I have not gotten a single piece of physical mail from this company and believe it to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: OR

Complaint narrative:
On XX/XX/XXXX, I called XXXX XXXX to pay off my XXXX XXXX credit card account, which apparently in the process of being sold ; however, had not yet been sold to collection agency. So, I paid the balance of {$670.00} in full via my bank check card and was told that I would receive a letter stating this debt was paid in full. Upon receiving the letter, I filed a dispute with Experian Credit Reporting Agency on XX/XX/XXXX to change the status of the XXXX XXXX account from [ Closed. {$670.00} written off. ] to Closed. Paid in full and uploaded a copy of XXXX XXXX 's proof of paid in full letter. Experian 's Dispute Center sent me an email stating that dispute was completed ; however, they had changed the payment status of the XXXX XXXX account to CHARGE-OFF. According to the New Rules About Reporting Charge-Offs The National Consumer Assistance Plan, introduced by the three credit reporting bureaus to address errors and inaccuracies on consumer credit reports, implemented new rules about collection accounts in XX/XX/XXXX. 

Among the changes were requirements for more detailed and accurate information, including updating when collection accounts have been paid in full. I called Experian on XX/XX/XXXX after submitting 3 additional disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to change payment status to Paid in full and Experian refuse to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
This company, Portfolio Recovery, called my place of employment, today XX/XX/XXXX, at approx XXXX XXXX   central time, and as I repeatedly tried to get off the phone he kept talking. My employer does NOT accept calls like this, and will never. I am VERY upset. I have sent them a letter to only contact me via USPS, in XX/XX/XXXX, and they have increased their calls. It is HARASSMENT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried TWIC -- once in XXXX and once in XXXX -- to get my free credit reports from XXXX  and Transunion. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly XXXX, Transunion just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My complaint is with Carrington Mortgage Services. The company is charging property inspection payments of XXXX along with mortgage of XXXX the dates are from XX/XX/XXXX until present, also attorney fees. This makes my payments double. Carrington is also Charges a fee of XXXX unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to TransUnion LLC to verify or delete three accounts that were present on my credit report according to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX TransUnion LLC responded to me via mail and removed one account ( XXXX XXXX XXXX ) that was listed, one account ( XXXX XXXX   XXXX  ) was verified by a signed contract that was sent to me via mail, and the other account ( XXXX XXXX XXXX XXXX ) was listed as verified but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number two to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number three to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On  XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number four to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have tried TWIC -- once in XX/XX/XXXX and once in XX/XX/XXXX -- to get my free credit reports from Equifax and XXXX. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly Equifax, XXXX just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XX/XX/XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NY

Complaint narrative:
I have sent several certified letters to Professional Bureau of C regarding a debt I have had no knowledge of and never had. I asked them to validate the debt because I NEVER had ANY XXXX services. They removed the debt each time but then after a few months they put it back on the report. I few months ago I spoke to a rep at the number listed on my credit report and he acknowledged it would be removed on the next month but it was not. When I called back the agents had an attitude and said I have an attorney on the case. They say each time I called the last call I made I said I had an attorney. I never told them that because I want this removed. At one point I was almost willing to settle it to have it removed for good but they did not talk to me. I have all the letters I sent out previously asking for it to be removed and have disputed it on my credit report. I am not sure what to do because i have attempted to have them validate this debt and they did not. It is for XXXX I told the credit bureaus this was happening and that they keep taking it off and putting it back on but they seem to be of no help. How do I get this permanently removed. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Early Warning Services, LLC
State: WA

Complaint narrative:
My account with XXXX was closed without any negative reason for closing. 

After viewing my consumer report with early warnings, it was reported on XX/XX/2018 by XXXX, that the reason for closing my account was as followed : Obtaining ( or attempting to obtain ) a new banking relationship or taking over ( or attempting to take over ) an existing banking relationship using : ( a ) all or part of another individual 's identity and/or credentials ; or ( b ) a fictitious identity and/or credentials. 

Which is totally FALSE. I spoke to XXXX about this matter and they say that they didn't report this. XXXX says that XXXX XXXX made a mistake and that the ABA number on the case is not even correct. 

Contributor : XXXX XXXX - XXXX Contribution Ref # : XXXX ABA Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX SSN/Tax ID # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
The original debt was to XXXX in the amount of {$380.00}. The debt was sold to an investor, Trident Asset Management, XXXX. XXXX XXXX, XXXX GA XXXX Phone : XXXX who placed it on my credit report. In an attempt to clear the obligation, I telephoned the debtor and offered payment arrangements. They told me to go on their website, input the debtor 's name and the last 4 digits of my social security number and input my payment amount. I tried to do this twice and received an error message saying my debt could not be located on the payment website. I am filing this complaint as a result of this activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Real Estate Solutions
State: NJ

Complaint narrative:
Ive tried to get inquiries deleted off my XXXX report but they are giving me a Hassel I  have no knowledge of the inquires on my report

Company response to consumer: Untimely response
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I am trying to refinance my mortgage. On XX/XX/2019, I contacted the collector, at XXXX XXXX, and was transferred to XXXX. I received a letter dated XX/XX/2019, which showed balance due was {$4900.00}. She insinuated they had no knowledge of that letter. I advised her I wanted to exercise the Lien Release Option. She indicated that wasn't their letter. I offered to settle the debt for {$7000.00}. She still indicated she had no knowledge of that letter and the amount due was $ 16,000+. The refinance company, XXXX XXXX sent Real Time Resolutions a payoff request, which they showed XXXX a payoff of over {$16000.00}. To the best of my knowledge and memory, Real Time Resolutions never officially advised me, via court filings, that there was a lien on my property. It only indicated that in the letters they sent. Now my refinance is more than likely lost to me because of this. They are unwilling to honor the letter of XX/XX/2019, and resolve the lien for less than the amount it secures ( the Lien Release Option ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
I was garnished by a company and they can't provide me with an account of my funds. why?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
In a current an Oregon Judicial Foreclosure and a new party XXXX XXXX , XXXX XXXX, inserted themselves into the case fore which they have never communicated with me before this case, as I am requesting through the attorney of record for an address for the company as well as an agent for service of process, wherefore they have no offices in the state of Oregon and he is not forth coming with the information. 

The attorney claims that they are getting their information in regards to the case from another company Ocwen, yet I have never received any communications from that company either. 

The attorney is also claiming that the Uniform Interstat Deposition and Discovery Act is not being followed, yet if I am unaware of their location, how would I know? 

Case is in XXXX County Oregon Civil Case # XXXX.

Company response to consumer: Closed with explanation