vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 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:
I have a fraudulent account listed on my credit file that needs to be block or removed based on the FCRA Acc # XXXX Opened XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berndt & Associates, P.C.
State: MI

Complaint narrative:
XXXX XXXX XXXX. garnishment on my state taxes for a credit card debt from XX/XX/2007. The garnishment still is active, they sued me in a different county from where I live and served papers after the court date. I figure whatever let them garnish the {$100.00} a year for the next ten years, but now. 
I get a letter from Berndt & Associates P.C. stating I owe {$3000.00} for the same XXXX  XXXX credit card! The original credit limit was {$500.00}. We stopped paying in XX/XX/2007 when my husband and I lost both our incomes. 
So this 11 almost 12 year old debt is still being persued? This seems very WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and XXXX  XXXX XXXX still has the account frozen. XXXX XXXX XXXX says it is XXXX XXXX and XXXX XXXX  says it is midland. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, we received a letter from XXXX XXXX, Subject : Transfer of the servicing of you mortgage loan. The letter states Effective XX/XX/2018, the servicing of your mortgage is being transferred to Specialized Loan Servicing LLC. The letter further states Specialized Loan Serbicing LLC will be sending you a letter that will include payment instruction and an updated loan number. We know there is a legal requirement for both the mortgage originator and new servicer to send letters within 15 days of a mortgage transfer becoming effective. In this case, Specialized Loan Servicing did not. We waited until today, XX/XX/XXXX, to give the mail plenty of delivery time and nothing was received. When we spoke with their customer service today ( XX/XX/XXXX ) a friendly woman said they wouldnt have complete loan information until Monday, XX/XX/XXXX and didnt offer to resend the notification letter. Though, she did provide the new account number.

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 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Service Center, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is COLLECTION SERVICE CENTER INC. # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COLLECTION SERVICE CENTER INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 )  COLLECTION SERVICE CENTER INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. XXXX  XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX XXXX XXXX ) I also believe that this business is not registered to operate in the state of OHIO. I expect this collection account to be removed from my credit report.COLLECTION SERVICE CENTER INC has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and Bank of America still has the account frozen. Bank of American says it is XXXX XXXX and XXXX XXXX  says it is XXXX. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is 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 2018-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
Recently we have had to replace 2 transmission and was just told that we now will need to replace the motor in my husbands vehicle. As we were trying to find a resolution to paying for the motor we discovered that we had a negative report that resulted in our inability to secure a way to pay for us to replace the motor. Currently we have Quicken Loans as our mortgage lender. Mortgage payments were made through automatic draft through our checking account. In XXXX of 2018, Quicken adjusted the escrow changing the monthly payment. Quicken sends an enormous amount of advertisements so we often do not open mail from them as it is always promotional items. We did not get anything in the mail from Quicken that stated must open important information enclosed until XXXX, nor did myself or my husband receive a phone message that Quicken needed to reach us regarding a change in the mortgage. Once we were notified by a letter stating, " non advertisement must open '' stating that the escrow had changed we changed the payment and sent in the additional amount. However, since it was not remedied until the XXXX payment Quicken reported that our mortgage payment was late. My payment was never late because they received the payment and kept the payment, therefore reporting that it was late is incorrect. We paid the payment as agreed and were not notified of the change that Quicken made. Quicken did not send our payment back stating that they do not take partial payments, they kept the payment therefore they can not say it was late as they had the payment nor were we notified appropriately that the escrow was changed to make the changes in a timely manner to prevent an underpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2018 - I made a purchase for a new Automotible XXXX XXXX   from XXXX XXXX, XXXX via the company web site. I paid for 2nd day air since my vehicle was non-operational. 
XX/XX/2018 - I contacted XXXX XXXX, XXXX via email regarding tracking for my order, since I had not received it. 
XX/XX/2018 - After receiving no response, I contacted XXXX XXXX, XXXX again via email requesting cancellation of order. XXXX XXXX owner XXXX XXXX said my order would " NOT ship out today. '' XX/XX/2018 - Replied to XXXX XXXX telling him that the delays were unacceptable, and to cancel my order. 
XX/XX/2018 - XXXX XXXX owner XXXX XXXX emailed me 15 minutes after dropping off my package at the post office saying they shipped the product. I told him for the 3rd to time to cancel the order, and tell the shipper to deliver the package back to him. He refused to cancel the order. 
XX/XX/2018 - Disputed charge with Citibank after XXXX XXXX refused to cancel the order. 
XX/XX/2018 - Received a XXXX XXXX XXXX XXXX from merchant. 
XX/XX/2018 - Citi denied my dispute because, they claimed that I did not supply proof that I cancelled the order. 
XX/XX/2018 - I filed the dispute again, attaching EVERY email clearly showing that I did cancel the order as well as a signed letter from my mechanic stating that the XXXX XXXX that XXXX XXXX provided was " USED '' and was " DEFECTIVE '' ( i.e. it did not work. ) XX/XX/2018 - Citi denied my dispute again and said that I would need to deal with the Merchant now ( Who already told me I wasn't getting my money back even if I returned to used/defective product I purchased. ) My reason for filing this complaint with the FTC and the Consumer Financial Protection Bureau is two fold. First, after reviewing the XXXX XXXX XXXX report on XXXX XXXX, it is possible that XXXX XXXX is a con artist, and is running this scam on many customers, not just me. He needs to be referred to the proper authorities for investigation. Secondly, I do not believe Citi followed the Fair Credit Billing Act when I claimed, and proved that I canceled the order before it was shipped, and that the product I received was USED ( i.e. not as agreed ) and DEFECTIVE ( i.e. fraud! ) yet Citi still required me to pay for the used, defective item ( and the demanded that I PAY to ship it back to the merchant who never asked for it back! ) I have all documentation. All documentation was sent to Citibank. 

Given my experience, I recommend that consumers should avoid Citi and cancel any current accounts they have with Citi since they protect the merchant, not the consumer.

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 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Fidelity LP
State: CA

Complaint narrative:
I have already submitted a complaint about this mailorder through XXXX XXXX that I did not order last week. I told you in the complaint details about this bogus order I did not place and how I have already sent them a affidavit to cancel the account and harassment well since then I received the 3 attachments I will attach to this complaint

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 2018-11-30 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: U.S. BANCORP
State: NV

Complaint narrative:
XXXX has been non-compliant with removing the unverified account ( list account and account number ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that US BANK XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
On XX/XX/2018 I received an " attempt to collect a debt '' letter from XXXX XXXX XXXX XXXX in XXXX GA but the letter was dated for XX/XX/2018. I immediately responded with a debt validation later to send me proof that said debt belonged to me. I mailed the letter on XX/XX/2018 via Certified Mail Return Receipt. The Return Receipt ( green card ) that I received back has a stamped date of XX/XX/2018. I never received information validating this debt as I had requested in the letter. On XX/XX/XXXX, Sequium Asset Solutions LLC added this as a collection to my XXXX credit report. This company violated my rights as a consumer by ignoring my request for validation and simply adding it to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: AZ

Complaint narrative:
Unifund served me at the corporate office to an employer I no longer worked for and got a judgement.in XXXX. I was never given the chance to dispute because I never had a XXXX credit card.I tried calling XXXX XXXX XXXX in early XXXX XXXX, trying to get more information as I did not understand what they had sent me and was told by the paralegal to refer to the paperwork they had sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
The hospital reported a debt I have paid to the credit bureau. I have a copy of the check which the hospital cashed on XX/XX/2016. This hospital uses XXXX XXXX for in house work then bills from the hospital ; it, the account # starting with XXXX tells it from the XXXX. I have a copy of the paid bill I will submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
The refi was to close on XX/XX/XXXX. All along it has taken back steps to process the a bunch of delays the most recent delay was that because the underwriter say that I had a different name on a document they insisted to know information about my divorce that occurred in XXXX even though my ex-husband is deceased. even after I have provided the death certificate ( which stats divorced ) they insisted that their staff would research the divorce and search for a final decree. In the meantime I think that I have been put through a process of delays to put me into a dire need to sign whatever the produce using the excuse that the found evidence that I did not disclose or whatever excuse the come up with for a bait and switch scam. 

The most recent problem today was that XXXX XXXX insisted that I provide homeowners insurance for my house in his co name, while my house is insured through My XXXX XXXX XXXX. The new insurance is in effect at XXXX XXXX tonight listed with Finance of America as ben,  while my XXXX XXXX XXXX is held with California Department of Veteran Affairs and is fully insured with XXXX XXXX. 

I informed XXXX XXXX that I am well informed that it is illegal to double insure and to hold insurance for a property that he has no rights to -- he in turn gave me a bunch of bs to state that he is just following rules XXXX XXXX Finance of America Mortgage LLC XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: OH

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX    XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX  ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation