vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have disputed two collection accounts with Portfolio Recovery Associates for several months now. One particular time recently a certified letter was sent and was shown as " attempted delivery '' for what has now been about 5 months. I would like PRA to provide me the contractual agreement between myself and them that says that I am liable for the charges that they claim I owe. I have only been sent print out statements that does not prove that I XXXXXXXX XXXX  XXXX opened any accounts with Portfolio Recovery. Please provide the full audit trail for the information that you have on file to include how the debt occurred, whom the original creditor is, a signed contract between me and the original creditor, the amount that Portfolio Recovery paid for the debt and something showing proof that a contractual agreement exists between the original credit, Portfolio Recovery that makes me liable to pay them. I have also attached a letter that has been sent to Portfolio Recovery 's dispute department and has not been acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: MD

Complaint narrative:
Hello, i have this problem with ( receivable solution ) collection agency they have a bill for my wife ( XXXX XXXX XXXX ), they claiming that the amount is XXXX , however her insurance ( medicare ) said and confirmed with a fax that she is only responsible for XXXX , now this company has to correct the mentioned amount and then we gon na pay it because simply someone is incorrect and till now the insurance was able to prove that the collection agency is wrong so i am just asking to fix the amount to meet the insurance amount and we gon na pay it, otherwise i gon na take the case to the court to settle it down .. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: TX

Complaint narrative:
XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX   Inquiry from XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Customer Service Rep did not try to help me resolve my issues and get the negative reporting inaccurate item removed.

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 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Approximately 10 years ago, I obtained a mortgage with XXXX, XXXX XXXX XXXX. Every month since the commencement of this loan, I have paid the hazard insurance premium on the property on my own, rather than having it escrowed. My insurance payment is currently {$420.00} on an annual basis and paid by me directly as part of a package of properties I own to the insurance agency, XXXX XXXX XXXX XXXX ( email from XXXX XXXX of XXXX attached p 16 of 16 ). 

Since this loan 's inception, my monthly mortgage payment that includes the amounts of principal, interest and real estate taxes has ranged from about {$680.00} to {$690.00} per month, depending on fluctuations in the real estate tax assessment. In XX/XX/2017, after an escrow analysis, the successor company to XXXX XXXX XXXX, now Mr. Cooper ( also known as XXXX XXXX XXXX ) increased my monthly payment amount from {$680.00} in XX/XX/2017 to {$2500.00} for XX/XX/2017 ( see Mr. Cooper Posted Payments document ), and demanded me to esrcow my hazard insurance, despite the fact that I had already paid the annual premium for 2017, and had been paying directly the annual premiums for over 10 years. 

In addition, Mr. Cooper incorrectly increased my hazard escrow to {$9500.00} annually. While my total bill to the insurance agent, XXXX XXXX might be {$9500.00} annually, such amount includes properties in addition to the one subject to the mortgage with Mr. Cooper. Lastly, during a phone call with an agent of Mr. Cooper, I was requested to pay {$6800.00} towards the insurance escrow, and sent in a check for that amount, but I can not see from the records or information that Mr. Cooper provides where that {$6800.00} was applied. ( My check # XXXX attached p 15 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
HI! 

THREE OF MY SSN PENSION CHECKS HAVE BEEN STOLEN THROUGH THE XXXX XXXX IN XXXX TEXAS! THE PERPS DON'T THINK THAT I CAN US FDIC TO RECOVER THIS! HAS BEEN REPORTED TO THE SOCIAL SECURITY ADMISTRATION, AND POLICE! 

THIS HAS CREATED A HARDSHIP FOR NOW, AND I WOULD LIKE FOR THEM TO USE THE STOLEN FRAUD MONEY TAKEN OUT OF MY ACCOUNT THE PAST YEAR TO MAKE THE PAYMENTS UNTIL MY PENSION IS RECOVERED! COMPLAINT NUMBER XXXX-XXXX.I HAVE FULL INTENT TO PAY BACK WHAT I HAVE BORROWED! THANK YOU AND HAVE A GREAT DAY!

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 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have called ad astra recovery services and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ABR Recovery Services LLC.
State: NJ

Complaint narrative:
Abr recovery services has put me back on the collection credit report after being taking off about 6 months ago, I have sent this company letters and faxs over and over again a person by the name of XXXX stated about 6 months he would remove it from collection which he did now it is back in collections he is asking for more paperwork which was sent to this company a number of time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
I have called XXXX XXXX XXXX XXXX and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech refuses to remove my PMI, although they say I am eligible if my home appraised differently. I have spent 9 months ask them to remove it based on an appraisal ordered by DITECH in late XX/XX/2017. That appraisal was XXXX. The market is hot & Ive added an additional floor of finished space since then. Finally, very apologetically, XXXX XXXX, a lawyer for them sent out another appraiser. Suddenly, my house is worth 280k. I have NEVER made a late payment, my mortgage balance is around 26Ok. 
They agreed ( via emails ) I have that the appraisal was strange and reestimated in their PMI Dept ( I think they just guessed ) that it was worth XXXX. Oddly, still not enough to remove PMI. 
At this point, I have paid 280 $ a month for 8 months of asking for it to be removed. I have all emails and both appraisals in hand. Im very upset. This is like a bunch of bullies robbing me, because they can. I cant refuse to pay. They are taking advantage of someone who cares about their credit. 
Please help. I dont know where to turn. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I was denied credit based on a TransUnion ( TU ) credit report notation indicating that I had paid an account late. I requested an investigation to dispute the notation on XX/XX/XXXX. I contacted TU on XX/XX/XXXX which was 30 days since the dispute. TU had not made a determination within 30 days. TU finally removed the notation on XX/XX/XXXX. I contacted TU to request an updated copy of my credit report and was denied. 

TU offered to provide my credit report if I paid for a service. I said no, I am entitled to a full report after a dispute has been settled and removed. TU also makes this matter difficult as they have my address listed as XXXX rather than XXXX XXXX XXXX for ZIP code XXXX. TU also directed me to other compartments, Disputes telling me I can get my report from Online, Online telling me to get my report from Disputes. 

I simply requested a copy of my report and was denied. 
I requested access to my online account to view my report, and was denied unless I paid a fee. 
I requested that TU contact creditors who received my previous report with errors and provide them with an updated report, and was denied. 
I requested that TU update their system to having my address as XXXX instead of XXXX XXXX XXXX, and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: Works & Lentz of Tulsa, Inc.
State: AZ

Complaint narrative:
Please be advised I have requested validation { not verification } of an item reported to you by XXXX XXXX XXXX. I have received a response that does not indicate or prove : I had this service, What services I am being charged for, or What the cost of each service I am being charged for. Furthermore, XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
My mortgage was sold to this company, not by my choice. I had a bounced payment and due to this I not longer have access to online payments. I have to get a certified check from my bank and then mail to the mortgage company - for 6 months!! The company never told me this would be the punishment nor is there a policy in place for this. I was told this is the way the accounting department handles this - there is no policy. Therefore my payment will always be late - I get paid before the XXXX of every month, go to the bank, get the check mail it off from XXXX to XXXX and it will always be late because of the distance the check has to travel. What company arbitrarily makes up rules about penalizing a late payment without a policy and procedure in place. I have no paperwork from this company and I was never told this would happen until I called and asked about not being able to access my account on line - THEN I was told - no you have to send us a certified check for 6 months!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: UT

Complaint narrative:
Southwest Credit located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX sent me a letter attempting to collect {$520.00} for a XXXX account that was paid in full long time ago. I sent them a letter disputing the validity of the debt and I attached a copy of a XXXX printout showing that I do not owe them anything. This is a scam that could impact people who do not save receipts or keep track of their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX Re : Convergent Account # : XXXX Client Account # XXXX Creditor : XXXX, XXXX XXXX XXXX XXXX XXXX is claiming I have a debt with XXXX. 
I have never had a XXXX account. 
It seems this is a scam to get senior citizens scared into paying " debts '' which never existed. 
I do not have any responsibility for the debt they are trying to collect.

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 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
for the past 2 years I constantly received phone calls from a company Rubin & Rothman LLC claiming I owe XXXX {$31000.00}. 

I actually was/did have a dispute with XXXX about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with XXXX, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) XXXX told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe XXXX {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with XXXX. 


Yesterday I though I'm going to have a XXXX XXXX, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm Rubin & Rothman LLC which was the plaintiff for XXXX. 


How can such a thing happen, and how can they get away with this!! 
# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served? 
# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!

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 2018-05-31 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: Receivables Management Partners, LLC
State: CA

Complaint narrative:
I paid off the balance and it has not been removed from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has placed a collection account on my XXXX, XXXX and XXXX credit bureaus.It is  account number XXXX. 
They say the original creditor is XXXX.I .have never ordered a XXXX card, never charged on a XXXX account, ever ; the account was opened fraudulently.It is impossible to debt validate because they have no record of me or my signature ordering anything, yet within 24 hours of an XXXX   dispute, XXXX XXXX verified and XXXX won't allow another dispute saying it's frivolous The damaging account must be removed immediately from my bureau reports. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I paid a old medical bill that had went to collections that my XXXX old daughter had got without my knowledge. By her being XXXX they said I was responsible for debt. Franklin Collection Service said they would have it REMOVED from my credit once I paid the {$1100.00} off. Its still showing on my XXXX credit report even after I filled a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: MA

Complaint narrative:
I would need to file multiple complaints again against Experian based on being able to only choose one reason for this complaint on the previous screen. Experian, again, has incorrect information on its credit report on me. Why this foreign company is allowed to do business in the US is  beyond me as both American companies, XXXX  and XXXX  do not show the false negative reports against me. 

Today, XX/XX/2018, I applied for a student loan refinance with XXXX. I was denied because they use Experian and on the Experian credit report there are 3 patently false negative accounts listed for me. 1 is figment of their imagination ( made up ) and the other 2 are wrong. 1 was a car loan for which I was not the primary borrower that was paid off over a year ago. A XXXX XXXX XXXXXXXX account that is non-existent and an XXXX account that was paid off almost a year ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
They want to charge two people for same amount and its not the right amount because they are overcharged us. We had never been served. We dont own that amount of money. {$4800.00} total {$9000.00} on XX/XX/2016. XXXXXXXX XXXX is taking care of it. The company name is XXXX at the links but the collection company now is Fair Collection outstanding company.

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 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened checking and savings accounts with TD Bank. I have had nothing but problems with TD Bank since. When I opened the account, I accidently left my welcome packet behind, which contained all of my account information. I called TD bank and they put a freeze on that account and advised me to come into the branch and open a new account. Thats exactly what I did. TD initiated an investigation because there were transactions that I did not authorize. TD Bank then closed my new savings account without my knowledge or consent for some odd reason. Then placed restrictions on my current checking account. Even though there is no legitimate reason to do so. I spent over an hour on the phone with another TD Bank agent opening another savings account. The agent advised me that there are no notes stating why the savings account was closed or why restrictions are on my checking account. I checked my account balance today on my checking account and it was over drawn {$6.00} now I checked it again later in the day and now its overdrawn {$100.00}. That amount does not make any sense.TD Bank is willfully mistreating one of its customers. I have proof that TD Bank app and agents give false account balances. I deposited {$420.00} into my checking account. The charges TD bank has listed equals up to XXXX. XXXX XXXX = - {$31.00} and if TD Bank charged me a {$35.00} transaction fee then my checking account would be XXXX but TD bank charged me an overdraft fee of {$100.00}. How does that make any sense?

Company response to consumer: Closed with monetary relief