vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
It has now been more than a year that I have no information on my mortgage account. Seterus has systematically refused to send me any information on my mortgage account for more than a year now. They have also shut me off any online access. I spoke with them at least 3 times in the past year. They responded that they needed to receive a " reaffirmation of debt '' from my ( bankruptcy ) lawyer. Even though my mortgage was never part of the bankruptcy, my lawyer still faxed them a Revocation of Legal Representation letter XX/XX/XXXX. This did not change anything. I am still barred from my account. I am not even sure how much I am supposed to pay monthly. Since XX/XX/XXXX I am paying {$540.00}. Is that still the monthly payment 2 years later? I do not know. Twice, I spoke with Seterus Customer Service, the last time XX/XX/XXXX. They promised me access to my account online, but it turned out to be a lie. I then filed a complaint with the XXXX. They responded they had contacted my lawyer but it was another lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
the company investagated the wrong XXXX acct they investaged a closed acct not the acct that is the only neg acct on my report the one i asked to be disputed XXXX never put my change of address in so bills were going to wrong address only reason i found out was from my annual credit report i called XXXX paid off acct on XX/XX/2016 was told they would fix credit report cause they messed up nothing has been correctd please help my score was XXXX before this happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
While I was shopping for a vehicle loan I had several hard inquiries made. Based on information that is porvided here by the CFPB all these inquiries should have been combined into XXXX. XXXX did it automatically from one month to the next. Why have n't you?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
but I need to. there refusing to help me get this loan. to get heating unit.for my home because of credit score. 


XXXX XXXX XXXX XXXX XXXX TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to Equifax last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX, XXXX, which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX ), Order Vacating Final Judgment ( XXXX/XXXX/XXXX ), Notice of Hearing ( XXXX/XXXX/XXXX ), Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX ), the stub from the money order I used for payment ( XXXX/XXXX/XXXX ), and the XXXX Postal Service Return Receipt for the rent ordered by the court, signed by XXXX XXXX 's manager on XXXX XXXX ( the hearing was on XXXX XXXX ; I mailed it the next day ). I want this removed from all XXXX credit bureaus. Your assistance will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
quifax, XXXX, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: URS Holding, LLC
State: CO

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX , XXXX dated XXXX/XXXX/16 attempting to collect a debt that is too old to be collected or be sued on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: WV

Complaint narrative:
XXXX Management robo calls our house about XXXX-XXXX times every week for the past XXXX months. They call in the afternoon to XXXX at night. 

It does not say who they are trying to reach, but every time we pick up, it is a machine that says the same thing or leaves the same message on our answering machine. It says who they are, that someone owes a debt and to call them back. Obviously I know I do not owe any debt, nor am I going to call them back. I searched the number and see it is a scam. My number is even on the Do not call list. We keep track of our credit reports and pay everything on time. 

We do not even have our house number listed on any of our loans or creditors, so that is even more amusing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: AL

Complaint narrative:
Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: DE

Complaint narrative:
THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in. 

They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management. 

I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
To who this may concern, XXXX/XXXX/XXXX My name is XXXX XXXX, I have contacted your company before due to our mortgage company not following guidelines about our modification. XXXX bank seems to have done it again, and refused our payments and according to the FHA guidelines if we live within a XXXX miles radius of one of their offices the company is to send an agent for a sit down conference, this never happened and we live within a XXXX mile radius of a branch in XXXX Michigan. Instead we had our payments refused on and off since XX/XX/XXXX, then XX/XX/XXXX, refused again in XX/XX/XXXX and then accept it again XX/XX/XXXX, and then refused the entire rest of XX/XX/XXXX only to have the payment accepted again XX/XX/XXXX. Our mortgage was then sold to Planet Home Lending who is a debt collection company and has also refused our payments from XX/XX/XXXX all the way up until XX/XX/XXXX and we were told they were attempting to collect a debt we would not have had if XXXX had just accepted the payments and followed the guidelines they were required to by law, Planet Home Lending then did a trial modification for 3 months, XX/XX/XXXX to XX/XX/XXXX. When that was done our payment in XX/XX/XXXX was refused, when asked why this happened, I was told by XXXX XXXX the modification was accepted, we then received permanent modification papers to be returned no later than XX/XX/XXXX with the first payment, which was n't due til XX/XX/XXXX, however we are also being charged and additional {$5100.00} for legal and attorney 's fees. I do not believe we are responsible for all this, due to the fact we made our payments on time and monthly, the payments were refused. We are now responsible for extra fees we did not cause and we have been placed with a debt collection company for a debt we did not accrue. I have all the documents to prove we made our payments and we even had to hire an attorney to explain why this was happening. I am at my wits end our payments have increased over {$100.00} a month, and we were not in the wrong or at fault for this to happen, how can a company cause this kind of issues and get away with it? 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: NY

Complaint narrative:
A phone call claiming it was for debt recovery but I have no outstanding debts that are unpaid. My credit is excellent, and my FICO score is XXXX ( or was while I was applying for a home eq loan ). 
I am not a co-signer for anyone else so I want this company to take me off their call list immediately. There is no one that I have any responsibility for regarding debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management, Inc.
State: UT

Complaint narrative:
They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: LA

Complaint narrative:
I received a bill for {$2100.00} from J.C.Christensen & Associates, Inc.for a bill at XXXX : XXXX Consumer. 
Original Creditor : XXXX XXXX XXXX XXXXCurrent Creditor : XXXX XXXX XXXX have never had a credit card nor have I ever had credit at XXXX.In fact I have never had a credit card of any kind in my life.I am XXXX years old and I do not plan to get any credit cards ever. 
J.C. Christensen & Associates Inc. were threatening when I called their toll free number XXXXXXXXThey sent me a notice of collection and special offer with an offer to send them {$540.00} for a settlement. 
The notice also says " The law limits how long you can be suedon a debt.Because of the age of your debt, XXXX XXXX XXXX will not sue you for it and XXXX XXXX XXXX will not report it to any credit reporting agency. " Any help or advice you can give me will be greatly appreciated, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: CA

Complaint narrative:
I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Our home owner insurance policy was cancelled due to no payment from our mortgage escrow account. We 've tried repeatedly to get answers from our lender with no success. We decided to pay our insurance premium directly to maintain coverage. Frustrating because this is money we already paid the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I use to bank with US bank. And had a credit card with them. I closed it. When I feel on lost my income. Due to becoming XXXX and they will not lower my APR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I used my First Bankcard credit card to purchase {$50.00} commissary voucher to a prison inmate. My credit card has charged my account {$15.00} as a cash advance transaction. I requested to the customer representative XXXX, then to the supervisor XXXX that the {$15.00} fee be waived because I did not consider the transaction to be a " cash advance ''. My request for the fee " one-time '' to be waived was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Professional Bureau, Inc.
State: IL

Complaint narrative:
I am a veteran of the XXXX. As a benefit to me for my service, I receive free healthcare. The VA was my insurance for my prenatal care and labor and delivery. My son was born XX/XX/XXXX and the doctor that I chose for him made the initial doctors visit while we were still in the hospital. I received the bill from the doctor some time later and gave the doctor office the VA 's information so that they could process the claim. What I was unaware of was that the VA needed my son 's SSN in order to process the payment. I had no idea that the doctor 's bill was still deliquent until XX/XX/XXXX, 16 months after my son was born, until I received a letter from the collection company. I made contact with the collection agency more than twice and told them that I contacted the VA and gave them all the information they needed so that they could process the claim. I also told the VA that the debt was in collections and I was told that they " always do that, '' meaning the collection agency will continuously go after the patient until they receive payment, even though the patient has insurance. I got tired of letters and phone calls from the collection agency so I contacted the XXXX and made them aware. The final result was the collection agency not contacting me anymore. This issue has knocked off XXXX points from my credit score and the note says, " individual responsible. '' I am not responsible. The VA is responsible and the doctor will not get paid until the VA finishes processing the claim, however long it will take. I would like this issue to be removed from 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 2015-05-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: VA

Complaint narrative:
This issue has been going on too long and has totally destroyed my credit and financial status. I have contacted the FTC who forwarded my letter to the CFPB and nothing is being done to correct my credit reports. I ca n't get any credit or loans due to the fraudulent reporting of the Residential Credit Solutions and improper investigation by the credit reporting agencies. Short of filing a lawsuit my next step is to contact my state senator. With all the damage done to me the foreclosure in 2012 should be be completely expunged from my records. I 'm not waiting any longer to take further action on this matter. I just received another notice from my mortgage broker that he ca n't proceed until my credit reports have been corrected or updated. Records are still showing collection account. I want immediate action to correct this matter and retribution from RCS for fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX until XX/XX/XXXX, I was XXXX active duty XXXX.  My wife and I had an existing mortgage with XXXX during this period.  Due to the financial impact my deployment, we discovered that we were no longer able to afford the payments and approached XXXX for a loan modification.  Over the course of the next 2 years, we were strung along by XXXX until they sold the mortgage to Residential Credit Solutions (RCS) who then told us that they were working with us on the loan modification.  In reality, RCS has increased our payments and, as we have come to recently find out, has initiated the foreclosure process.  Please help us!  I served my country in good faith and am now being put out of house and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I sent a letter to CREDITORS DISCOUNT & A letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CREDITORS DISCOUNT & A refuses to delete the fraudulent accounts from my credit report stating in a letter its verified CREDITORS DISCOUNT & A provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
When I signed up for this credit card, it was supposed to come with the benefit of getting a XXXX night when I booked XXXX nights with points, which is why this card has a hefty annual fee. I just paid my annual fee back in XXXX of this year and then a few weeks after I learned that they are taking away this benefit! This is completly unfair since that is the only reason I paid the renewal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation