vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXX MIDLAND FUNDING LLC removed ALL of my funds from my both my savings and checking accounts at XXXX  XXXX XXXX. They continue to do so, including my child support depict deposits. In addition to these unexpected actions, MIDLAND FUNDING LLC removed an additional {$15000.00} from my checking and an additional {$15000.00} from my Savings. I spoke in person and phone multiple times with XXXX  XXXX XXXX and they could only say this is a garnishment, appeared very uninformed themselves, and allowed this garnishment without any provided documentation proving that this is a valid garnishment. MIDLAND FUNDING LLC was then put on the phone with me ( without my knowledge or permission through XXXX  XXXX XXXX Branch Management ) and said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company called XXXX, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my XXXX XXXX payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional over {$31000.00}. XXXX XXXX XXXX has not protected my funds and they also have not previously contacted me about these actions, nor have I had any communication with MIDLAND FUNDING LLC. Neither have shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX   XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX  XXXX XXXX a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in XXXX  and raising my daughter as a single mother. MIDLAND FUNDING LLC, after my own personal research, have multiple names and seem to illegally acting under different names. Any money removed from my accounts is not acceptable and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I tried to dispute the hard inquiries that were placed on my account around the same time. I was looking for an auto loan and the company apparently tried many lenders. I was under the impression that if you're trying to get an auto loan it should only be recorded once and not 3 or 4 times. My bank is the one who approved me and shouldve been the first one tried. It was the bank i was approved for. There are multiples on the same day and others that were filed on consecutive days when I've only been to one dealer and only submitted information 1 time. The hard  inquiries are incorrect and I need to know where they came from and why. The credit companies said they cant dispute inquiries. Please help! They were placed in XX/XX/XXXXt through XX/XX/2018 i believe.

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 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have no knowledge of this debt.. {$810.00} LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had an account with XXXXXXXX XXXX  XXXX XXXX. I fell behind in making payments. I had a past due balance of {$1900.00} as of XX/XX/XXXX. I was finally able to make payments again starting in XX/XX/XXXX. XX/XX/XXXX, I was served with court papers that I was being sued by Midland Funding LLC for this account and that I must make a court appearance on XX/XX/XXXX to defend myself. In the meantime, I completed paying off this debt to XXXX XXXX   XXXX/XXXX XXXX on XX/XX/XXXX ( overpaid on the account - paid {$2000.00} ). I waited 1 week to give everyone time to process the transactions and then sent Midland and the lawyer named on the court documents a letter stating that the account has been over-paid in full and to please dismiss the law suit. I provided a statement from my bank account, with claim numbers, showing the amounts paid and the dates the payments were made.Payments on the account began before the lawsuit was filed and was partially paid off by the time I was served with the court papers. 

When I came home from work on XX/XX/XXXX, there was a letter from Midland Funding stating that a lawsuit was filed against me and that I had until XX/XX/XXXX to respond, 5 days AFTER I must appear in court to defend myself, which seems like a way to mislead me into allowing a default judgement against me. I contacted the number on the letter and spoke to an operator who stated that they did receive {$1300.00}. I reviewed the payment dates with her. She said she was unable to locate the additional payments in their system and it may take a few more days for the remaining funds to be transferred to them. She asked me to email her a copy of my statement showing the payment dates, amounts, and claim numbers, which I did. They told me they would call me back, which hasn't occurred. 

On XX/XX/XXXX, I received the postcard back from their lawyers office showing that they received my letter. On XX/XX/XXXX I received back the letter to Midland that the post office is unable to locate the address listed. The address used for Midland is the same address used in the court documents, which I find odd that the post office is unable to locate this business. Nothing has been done to dismiss this lawsuit. This debt has been over-paid in full. All payments were made the exact same way, which means if they received one, they received them all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
As of XX/XX/XXXX the remaining loan balance prior to an unlawful repossession was {$3100.00} The company then added on {$5000.00} in fees. Failed to disclose the sale of the vehicle in auction accordingly. 
The company continually refuses to provide proper documentation regarding the fraudulent and exhorbitant fees. 
The date of first delinquency is XXXX of XXXX After multiple disputes directly and through the credit bureaus the company continues to update the account by re-aging the late payment status and continues to reflect an incorrect balance

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 2019-11-14 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: TX

Complaint narrative:
As of XX/XX/XXXX the remaining loan balance prior to an unlawful repossession was {$3100.00} The company then added on {$5000.00} in fees. Failed to disclose the sale of the vehicle in auction accordingly. 
The company continually refuses to provide proper documentation regarding the fraudulent and exhorbitant fees. 
The date of first delinquency is XXXX of XXXX After multiple disputes directly and through the credit bureaus the company continues to update the account by re-aging the late payment status and continues to reflect an incorrect balance

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 2019-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing, llc is now PHH MORTGAGE. Ocwen claimed in numerous documents and recorded notices of default in land records in a beneficiary capacity claiming it held interest in real property address XXXX XXXX XXXX, XXXX, California XXXX. Ocwen claimed it held a Note in which was issued by a lender and was foreclosing on the real property XXXX XXXX XXXX, XXXX CA XXXX. Ocwen claimed I was the borrower of the loan and breached the loan contract document # XXXX XXXX. 
On or around XX/XX/2014 Ocwen 's trustee Law Offices of XXXX XXXX held a foreclosure sale of the " property '' to pay off the remaining balance of the loan. A third party named XXXX XXXX XXXX , XXXX purchased the " property. '' Question : What is the name of the lender that Ocwen or the Trustee paid off after receiving funds from XXXX XXXX XXXX, XXXX? and what was the amount that was paid off? I would like my complaint published as Ocwen and other third party debt collector 's have wrongfully evicted and taken possession of real property that they did not own. Ocwens actions have and continue to hurt the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: DC

Complaint narrative:
EOUIFAX is reporting inaccuracy on my credit reporting from XXXX third-party vendor for public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: MA

Complaint narrative:
I had a construction/rehab loan. I had reached the maximum number of withdrawals from the escrow account, after which I was not allowed to make any more draws on the account. The servicer ( Homebridge ) refused to have the balance of the account applied to the principal of the mortgage. This cost me interest, as I am paying interest on the escrow.

After a year, I finally refinanced the loan. At this time, the servicer claimed that the account was closed and that the balance on the escrow account had been applied to the principal at the time of payoff.

This turned out not to be true. They held that money for ten months before sending me a check for the balance. During all this time, I have been paying interest on this money because it is still part of the principal that I owe on the mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14 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:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX  XXXX XXXX  Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997,  Filed ( D.C. No. 95-cv- 01743 ).

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 2019-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
This is NOT a new request but have further concerns, Midland mortgage company wants more funds as they have made up 6 different prices on the house when the balance owed on the house approximately {$21000.00}. CFPB # XXXX-XXXX andCFPB # XXXX-XXXX, and is it allowed for them to make up prices, pricing people out of their homes. The balance owed is approximately 21,000, the mortgage company. Yet the requesting approximately {$79000.00}.

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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a XXXX  who works with many clients especially on their credit report issues. In many cases, the bureaus are virtually impossible to work with on critical situations due to automated phone contact. You can not reach a human person and if you are lucky to, they still want you to send info to a PO box which means nothing can be sent overnight in an urgent matter. Credit bureaus urge you to put freezes on your reports, YET, you can literally not remove it unless you use a website that seems to always circle back to sending info to a PO Box . I personally have just tried to unfreeze my accounts at both Experian and XXXX and can not without sending info to a PO Box . I tried their websites and no luck. Why are these companies who control so much of our nations personal information allowed to go unregulated when it comes to providing the consumer access to human beings? Why are they allowed to use PO Boxes no matter how dire the situation is? Its a shame that they can literally ruin lives due to their inability to service consumers who are " REQUIRED '' to use the,.

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 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I believe that I had made my payments when I received my statements. The reason could be that my monthly statement did not get to me or the payment was not applied as fast as expected. I noticed that the money has been deducted from my checking account on the months marked late on my credit report.

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 2019-11-14 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 STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX XXXX XXXX Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 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: SC

Complaint narrative:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX XXXX XXXX Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

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