vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 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: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
In  XXXX  of   XXXX    XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) r eceived an execution on money judgement for a charged off credit card debt. The deb t collectors of Lustig, Glaser and Wilson  applied a lien to the property owned. Since they are being sued by the States Attorney Office of Massachusetts, they have sold the debt to  XXXX   XXXX   XXXX ,  XXXX  who in turn has sold it to  XXXX    XXXX   XXXX   XXXX    XXXX . The original creditors phone number is  XXXX .     The property has been sold but without clean title, with money held in escrow to pay an agreed upon amount less than that of the debt owed, this deal has been reached with  XXXX   XXXX   XXXX   XXXX ,  the ultimate  owner of the debt. However, the original Law firm needs to release the lien and they say they do n't own it any longer and are unwilling to do anything.     The property needs to have a " clean '' title to be resold and any escrowed amount returned.     No one is willing to help, do anything ... I hope since this is a debt collection issue, the CFP can get to the right people to make this right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: CITIBANK, N.A.
State: MN

Complaint narrative:
Cnba hard pull on my credit or days it wo n't be removed un til 2018.what is the  retail an elsewhere I 've never gave consent to this company prove my daughters name and I 'll believe this company knows me

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 2017-05-15 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: PA

Complaint narrative:
AES has  XXXX  accounts on my  XXXX  and  XXXX  reports that are over the seven year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: MA

Complaint narrative:
In  XXXX  of   XXXX   FIA Card Service s ( Bank of America ) r eceived an execution on money judgement for a charged off credit card debt. The debt collectors of  XXXX ,  XXXX   XXXX   XXXX  applied a lien to the property owned. Since they are being sued by the States Attorney Office of Massachusetts, they have sold the debt to  XXXX   XXXX   XXXX ,  XXXX  who in turn has sold it to  XXXX    XXXX   XXXX   XXXX    XXXX . The original creditors phone number is  XXXX .     The property has been sold but without clean title, with money held in escrow to pay an agreed upon amount less than that of the debt owed, this deal has been reached with  XXXX   XXXX   XXXX   XXXX ,  the ultimate  owner of the debt. However, the original Law firm needs to release the lien and they say they do n't own it any longer and are unwilling to do anything.     The property needs to have a " clean '' title to be resold and any escrowed amount returned.     No one is willing to help, do anything ... I hope since this is a debt collection issu e, the CFP c an get to the right people to make this right.

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 2017-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
I sent a letter  to Monterey Financial with a restrictive endorsement. this endorsement that was included with a letter that stated the same was if they  cased the check the account is considered paid in full and shall be removed from all credit bureaus, company has failed to remove and continuing to bill me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  has  XXXX  accounts on my Transunion and  XXXX  reports that are over the seven year period.

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 2017-05-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  has  XXXX  accounts on my   XXXX   and Equifax reports that are over the seven year period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Financial Services
State: IL

Complaint narrative:
My business with Consumer Financial services was for a car loan. The car was totaled. I contacted  CFS  to inform them not to take the next payment because the car was totaled and that my insurance company will be in contact with them. The insurance company contacted them and informed them of the same information I provided. They were also, given a claim #. Within in the next day or so they withdrew money from my account after I asked them not to because the vehicle was going to be paid off. A few days later, I go into the establishment to pay off the lo an  XX/2016 . I as ked how much and wrote a check on the spot. Balance became {$0.00} received a receipt to prove the balance was {$0.00} A few days later I was told that I still owe an amount. I was dumb founded because I paid them the amount they told me I was paid in full. Fast forwa rd  XX/2016  CF  S w as calling me non-stop everyday all day for about a month about money they claim I still owe them. They attempted to take money out of my account again without my knowledge or consent. Recently, CFS have also, ran my credit again without my knowledge or consent. The call and harass references and tell them my personal information on a car loan was clearly paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: MD

Complaint narrative:
I have contacted The Credit Bureaus numerous times starting  XXXX     2016 thru    XXXX   advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX SPS servicing took over my loan from XXXX. XX/XX/XXXX I had to do a hardship relocation for work. My house was put up for a short sale and I got behind on payments due to an illness and having to pay rent and a mortgage payment at the same time. Is it vies by XXXX XXXX real estate agent not to make my payments if I was going to have my house up for a short sale. XX/XX/XXXX nobody had been approved for financing to move into my house so I went ahead and move back to my home in XXXX Washington and I made up the payments that I had missed through SPS financing. SPS financing told me that they had my first and second mortgage. At mortgage was {$13000.00} approximately. They told me that that had to be paid off before all the other stuff is paid off. As I was sending money to SPS servicing I was under the impression I was paying off my second mortgage {$13000.00} and then making up for my late payments and total I gave SPS servicing around {$30000.00} in XX/XX/XXXX to XX/XX/XXXX I move back to XXXX Washington and move back into my house. Years have passed and I 've been told when financing for a car and other things that SPS servicing never paid off that second mortgage. In fact they switched my loan over to XXXX XXXX XXXX right away after I had given them all the money that they told me to send them I have asked XXXX XXXX XXXX for all the data that they have but they have not sent me anything. In XXXX XXXX and XXXX XXXX XXXX, Now state i did n't pay off my second mortgage to them through SPS. ? Where did all my money go that I gave SPS servicing? I paid all of my back mortgage payments and let mortgage off to SPS servicing in order to be eligible for the harp loan. These companies wo n't send me the data and they are of real-time servicing has put a XXXX lien on my home. How is this legal? I 'm a United States military service member in the XXXX. I Am making a complaint against the company SPS servicing, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I honestly believe they committed fraud against United States military service member probably many more. And SPS servicing told me i had to pay off everything my back payments and my second mortgage in order to qualify for the harp loan. Now XXXX XXXX XXXX saying that SPS servicing did not pay off my second mortgage. Where did all the money go that I gave SPS servicing?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I noticed a fraudulent collection account on my credit report in  XXXX . So I contacted the credit bureaus and they said they would take it off.      XXXX   XXXX , I check my credit, due to all the hacking reports on the TV news, I see this fraudulent account is still showing on my credit reports.      Medical Data Systems Inc.  Account Number  XXXX . For {$13000.00}.  Original Creditor   XXXX   XXXX  Hospital. This hospital is located in  XXXX  SC where I was born and raised. I moved from  XXXX  SC in  XXXX  and have not returned, which is 14 years ago. So how does  Medical Data   Systems Inc.  have a collection account on my credit reports from  XXXX ? I have n't been in  XXXX  SC since  XXXX , which is 14 years.     So how ca n Medical Data Systems Inc, p ut a {$13000.00} collection account on my credit report from  XXXX , if I have not been in that city and state in 14 years? I moved from  XXXX  SC in  XXXX  and have not returned.     I am very upset about this ! Medical Data Systems h as tarnished my name and violated my rights, by putting a fraudulent medical collection account on my credit reports.     Again, I moved from  XXXX  SC in  XXXX  and have n't returned or visited.     I wan t Medical Data Systems Inc t o remove this fraudulent collection account from my credit file. I want  Medical Data Systems Inc t o be fined and reprimanded for putting fraudulent information on my credit report.     I just do n't understand why they would do this. It makes no sense.

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 2017-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
XXXX   XXXX ,    2017 Atlantic Recovery Solutions calle d myself, my husband, and my sister in-law multiply times saying that I owe   XXXX   XXXX  . Even after I talked to them and told them I would look into this matter and to not call me back that I would call them back they continued to call myself and husband multiple times each day. The individuals that I talked to threatened that this will go on my credit report and under my social security number if I do not pay them by the end of the day. I asked for specific documents and transactions about this account and the company said that it would take up to a year for them to get my any type of documentation. All they could send me was a Validation of Debt letter and a Placement Letter, but nothing specific to the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems Inc. refuses to provide me with any information regarding my ChexSystems file and will not confirm or deny the existence of an investigation even after I disputed records on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a synchrony bank account in  XXXX    XXXX   with a  6  mo interest free financing option. I paid my first payment in  XXXX  and thought I set up auto payment but did not so in  XXXX  I contacted a male representitative who waved my late fee and helped me set up autopay for the statement balance. According to my email at  XXXX  on  XXXX   XXXX  I was due to autopay the statement balance every month and then at  XXXX  on  XXXX   XXXX  I was due to pay the minimum balance every month. I NEVER changed it and the manager I spoke with today is denying anyone can make changes to my autopay besides me but the male I spoke with in  XXXX  was the one who helped me set it up. I have never in my 17 years of owning a credit card paid a minimum balance so for them to say I set up minimum balance payment is ridiculous. I set it up for statement balance and withi n 7  minutes either it was automatically changed to minimum balance or someone changed it. As a result I had been paying minimum balance for 4 months completely unaware that this was happening and paying an exorbitant interest rate and also lowering m y credit score. T hey are fraudulent. I have paid it all off and closed my account but have told them I am planning on legal charges out of damage to my  credit score. I woul d like to warn others of their fraudulent behaviors and when I google what happened to me they are the first hit for fraudulent behavior. This credit card company needs to be shut down.

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 monetary relief
Consumer complaint received 2017-05-15 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: MD

Complaint narrative:
I have contacted The Credit Bureaus numerous times starting  XXXX    XXXX    XXXX  Present advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.

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 2017-05-15 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: MD

Complaint narrative:
I have contacted The Credit Bureaus numerous times starting  XXXX    XXXX    XXXX  Present advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.

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 2017-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
XXXX XXXX, 2017 Forward Movement Recovery has contacted me repeatedly about a payday loan collection. I have never had a payday loan. 

They have threatened to contact my employer, garnish my wages, place it on my credit report and even have me arrested for bank fraud. 

I have blocked their phone number but they just get new ones and try again. 

I have requested written verification, they refuse and claim they are not subject to the Fair Debt Collection Act because they are not a collection agency. 

Various phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS. MY INTEREST RATE IS OVER 20 %, I HAVE FEES ASSOCIATED WITH MY ACCOUNT OVER {$800.00} WORTH OF FEES THAT CA N'T BE EXPLAINED, THEY TELL ME THEY CHARGE INTEREST PER DAY YOU ARE LATE, CAUSING ALL KIND OF EXCESS DEES ON MY LOAN, I HAVE HAS THIS VEHICLE SINCE  XXXX   XXXX , ORIGINAL BALANCE WAS  XXXX  AND IT 'S NOW  XXXX   XXXX , MY BALANCE IS STILL  XXXX  AND NO ONE AT THIS COMPANY CAN EXPLAIN TO ME WHATS GOING ON. THEY CLAIM IT 'S DUE TO LATE PAYMENTS, I GOT EXTENTIONS WITH THIS COMPANY AND FOR THAT TIME, THE PAYMENTS WAS SUPPOSE TO BE PUT ON THE END OF THE LOAN, DATES ARE  XXXX ,  XXXX . HOWEVER, THE LATE ITS 'S SHOWING LATE PAYMENTS FOR THE MONTHS I GOT EXTENTIONS FOR, I HAVE ASKED THIS COMPANY TO REMOVE THE LATE PAYMENTS FROM MY ACCOUNT ON SEVERAL OCCASIONS AND THEY ARE RUDE AND ALL THEY TELL ME IT 'S NOTHING THEY CAN DO, THIS IS SHOWING UP NEGATIVE ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THIS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
I have a mortgage with Nationstar Mortgages for a new condominium I purchased in  XXXX  of  XXXX . This loan includes an escrow account for taxes. Nationstar acquired the loan in  XXXX  from  XXXX   XXXX   XXXX . Neither of these  XXXX  companies have paid my town real estate taxes stating they will not due so because it is a new condominium and the tax bill is for   XXXX   of the  XXXX  units in the association. I have provided documentation from the town verifying the percentage of the taxes that my unit is responsible for. I have also asked that if they will not pay the taxes, that they refund me the escrow so that I can pay the taxes. Both companies have refused to do so. The town has said they are starting the process of placing a lean on the property. As well, there are over {$80.00} in late fees that neither company has been willing to pay.     I have close to   XXXX   XXXX    in  my escrow account. I have tried many times to resolve this and have had a least six phone calls and have sent letters to them, have sent them all the requested documentation, but they have not resolved this. In my last phone call on Friday,  XXXX   XXXX ,  XXXX , Nationstar said they would not resolve this until the next fiscal year in  XXXX , despite being aware the town plans to start the process of placing a lean on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
Phone calls trying to collect {$250.00} throug h Diversified Consultants  at  XXXX  for  XXXX   XXXX .   I pay my bill by automatic withdrawal each month and do not have a balance. I informed  XXXX   XXXX  of these calls and they are not aware of this collection agency nor have they contacted a collection agency. I do not owe this money this company is trying to collect.   I believe this is a phone scam to collect personal account numbers in order to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: FL

Complaint narrative:
XXXX   XXXX   XXXX  is working m behalf of   XXXX   XXXX   XXXX  s and they illegally reported to transunion that i owe them money. I disputed this with transunion and they still allowed them to stay in my credit report. My state attorneys office has already fined this company and they are not licensed lenders and transunion still allowed this to stay on my credit report, unlike  XXXX  and  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