vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WAFD BANK
State: TX

Complaint narrative:
I entered into a one time close construction loan with Washington Federal Savings Bank ( WAFD ) on XXXX XXXX, XXXX which converted into a mortgage when I got Certificate of Occupancy in XXXX XXXX. 

In XXXX and XXXX XXXX mechanics liens were filed on my home because the home builder did n't pay the subcontractors for services that was paid to the home builder via bank funds. 

Subsequently the bank and their attorney demanded that I satisfy the liens claiming I was in default. At no time have I ever been in default of the loan and have made payments on time. They were claiming default under section XXXX of the deed of trust which are liens attributable to the Property which can attain priority over this Security Instrument. 

Mechanics liens are always XXXX to the mortgage and would never attain priority. It specifically mentions I am required to discharge any lien which has priority over the deed. At no point was WAFD 's interest in jeopardy. 

Now the bank is forcing the payment of attorney fees related to this demand letter. I did not authorize or agree to their attorney 's services and I did not do anything to create the liens. They are passing a cost along to me, that was incurred while they were servicing the loan. 

I then consulted with my attorney and he confirmed liens do not take priority over the deed of trust. The deed of trust would take priority over the mechanic 's lien as long as it was XXXX recorded. Now a junior lien holder can file for foreclosure but the property would be sold subject to the XXXX lien ( in this case the deed of trust ). The only way the mechanic 's lien would take first position over the deed of trust would be if all parties sign a document granting the mechanic 's lien XXXX priority over the deed of trust ( the deed of trust lender would have to sign off on this as well ). 

The mechanics lien holders would only be able to foreclose based upon the deed of trust and as long as I was current in my loan obligations this would never happen. This is exactly the conversation I had with XXXX XXXX. XXXX said you do n't have to worry about those liens as long as you 're current on your mortgage and I could later get those liens removed. For residential projects, the deadline to enforce a lien is 1 year from the last available day to file the lien or 1 year from the completion of the work ( whichever is later ). In XXXX XXXX all the liens would be unenforceable and I would be able to get them 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 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
Springleaf Financial contacted the HR Department at my job multiple times and disclosed to them that it was regarding a debt. They even asked the HR Department to hand deliver the message to me. Now I am facing losing my position in the company and possibly my job. In addition, they call my office and cell number around 4 to 8 times per day every day. I never intended to not pay my debt. Medical circumstances have complicated my financial situation due to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
In 2011 I left XXXX XXXX XXXX fleeing XXXX. I informed the manager that I was leaving and showed her the XXXX I took out on my XXXX. The manager told me that everything would be okay and that I didnt have to worry. I found out a few months later that the account was put on my credit. I was not aware that according to federal law you could break your lease in cases of XXXX XXXX and not be held liable so I let the debt sit on my credit for years. I left my lease 1 or 2 months early and I am unfairly being charged market rate rent for the entire lease term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit ( previous case XXXX ) is attempting to collect a debt again that is not mine. I have gone thru this over and over numerous times over several years. Every time I challenge them, they can not prove the debt is mine and they remove from my credit for a few months and then try again. I currently only have a debt collection letter from them. How do I stop these repeat attempts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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: Global Payments Check Services, Inc.
State: PA

Complaint narrative:
This was an unauthorized charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I received a call from PennCredit claiming that I owe a debt for tax on a motorcycle that I purchased 10 years ago and that I purchased it under fair market value and so I still owed tax on that fair market value. The first woman who called refused to furnish me with all the pertinent info concerning who the debt was owed to. No full institution name, no account number concerning this alleged debt, not contact info and not even a full explanation. I asked for these things after making them aware that I did not receive any 30 day notice from any organization that I had a debt that would be put in collections, I also verbalized that this debt is definitely some misunderstanding because I bought this motorcycle completely wrecked and I notified the tags/title agency of the explanation as to why it was therefore under fair market value. The woman was rude and uncooperative and threatened that this would be placed on my credit report as a delinquent account. I advised her that the debt was over 7 years old and that she was not allowed to do that ... that in fact the debt is over 10 years old. I told her that I was going to have to file a complaint and possible judgement and she told me that there was no statute of limitations and that my credit report would reflect the delinquent account. I then called back in an hour and spoke to XXXX who was equally as rude, yelled at me and spoke over me while I was trying to obtain information to contact the debtor, I got nowhere with this agency and was threatened the entire time. I do not owe this debt and I had to search long and hard and make many phone calls to finally get a hold of an institution ( PA Dept of Revenue ) and find the right dept. I am currently working to resolve this mistake but PennCredit does not care and will not be reasonable while I work through this ... they continue to threaten.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
Citifinacial received a default judgment against me in XXXX XXXX. In XXXX XXXX I settled the charged off account with Citifinancial. Since XXXX I have attempted to work Citifinancial and XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, SC office to get a Satisfaction of Judgment submitted to XXXX County Clerk of Court. Attached is a copy of the settlement offer and also a copy of the letter I received from Citifinancial showing the charged off account was satisfied. They refuse to submit the satisfaction of judgment information and this continues to negatively affect my credit standing and causes me to incur higher interest rates and fees or being outright denied credit. 

I am also submitting a complaint to the Consumer Financial Protection Bureau, XXXX, as well as seeking legal representation for damages caused by Citifinancials ' inaction. 

Judgment number with XXXX County : XXXX Account Number with Citifinancial as shown on credit report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit system is reporting a collection item in my credit report. I has asked the collection agency to provide me with the original documentation regarding this debt. FCRA requires that I am entitled to receive the original documentation regarding negative items but National Credit System is not providing me the original documentation and reporting unverified item in 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 2016-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This collection has been on my credit report I do not know what it is for and have asked not less than 12 times for validation of debt and to have it removed from my credit report. To date I have never received a debt validation from this company nor has it been removed from my credit report. They constantly update this collection every month harming my credit for a debt I have no idea what it is for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Payments Check Services, Inc.
State: TX

Complaint narrative:
This information was shared illegally ( third party ) without my informed and expressed consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBM Services, Inc.
State: MI

Complaint narrative:
I had some electrical work done on my property. The man that gave me the quote over the phone stated it would be $ XXXX {$400.00} depending on how much the permit was. I gave him the go ahead to do the work. The work was completed. About 6 months later I get a call about owing {$620.00}. I tried calling the owner ( man who quoted me ) and his answering service said that he was out of state on a job and he would have to call me back. Never heard back from him after at least XXXX calls to his office. I then get a letter from a collections company in regards to this debt. I asked for proof of debt. I received a invoice for {$620.00} from the company and that was it. How can a company just make up prices and then put it on someone 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 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This company keeps calling my work place, and leaving automated messages asking for me to call them back. My coworkers get the call, and tell me about the " personal '' messages that sound very concerning. 

I do not want to be reached at my place of work, and I have no idea why I 'm being contacted in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX and I would like file a formal compliant of XXXX and racial discrimination against, Springleaf. I applied for a loan where I was trying to consolidate some debt and because at the time : I advised them of my race and XXXX and I did get the loan amount needed. I had to use my car, XXXX Nissan Sentra, as a form of collateral in order to get a loan of {$2000.00}. I was advised that my payments would be no more than {$180.00} but I have been charged an online charge of {$2.00} each time I have to pay online. I was never advised of this information. I was also never advised completely of the high interest charges and now I 've learned that it will take me three years to pay off the loan. 
Springleaf also placed me on some type of program where I would get towing and other services but never provided me the information. It was until I made contact with their corporate office in which that information was given. Their corporate office claims that the factors surrounding my credit worthiness had nothing to do with race or XXXX and yet have not been able to provide me evidence upon request. 
Sorry, but I paid for a first-class service, and I expect to receive it. Please contact me within ten days to arrange talks in settling these affairs. In other words, I am seeking that the loan be paid out in full and satisfied. I am also seeking mental anguish and punitive damages. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have disputed with all XXXX credit bureau the information XXXX XXXX XXXX is reporting on my mortgage XXXX. The account was not included in a bankruptcy per the attached amendment. Payments were made continuous from XX/XX/XXXX to XX/XX/XXXX, account was paid in full and satisfied as agreed as of XX/XX/XXXX. XXXX XXXX XXXX has refused to change and credit reporting agencies are not defending the reporting. Need to report both good and bad actions on an account. Reporting agencies are not showing the good payments and paid in full account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted a complaint with the annualcreditreport.com website but have not heard back. I have on several occasions since XX/XX/XXXX attempted to get my credit reports from that website but every time each of these sites say that they are " unable to provide my credit report, and to submit requests by mail '' with multiple different documentation at my own expense. I have not been able to get my credit report from Experian or XXXX in over 3yrs and have not seen my XXXX in over a yr. How can I know if my identy has been stolen if these companies prevent me from checking my information, and how can it be a " free report '' if I have to spend money to copy/print and mail additional information at my own expense?

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 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/16 a dispute and validation of a bankruptcy being recorded on my credit request was made to Experian in regards to inaccurate information contained in the credit report. I received a response back from Experian that they would not investigate the matter further as they verified the information. I personally went to the court and was told that no one from Experian attempted to validate the information and that the court does not submit any information to credit reporting companies. Experian continues to refuse to show or provide the method of validation of this information. As the court themselves has not validated. The utilizing a third party to verify information violates both legal and fair credit reporting guidelines.

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 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agency is utilizing a third party furnisher of information to verify the Discharged Chapter XXXX Bankruptcy. They just admitted by the response that they are in direct violation of the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ... '' We request the following : XXXX The name of the courthouse ; XXXX the person 's name they verified the dispute with ; XXXX the address XXXX the telephone number ; and XXXX XXXX XXXX the documentation used to verify the dispute. 
Credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The XXXX Court IS the furnisher of information, not a third party source as used here. We are ready to file a lawsuit against Experian if they do not comply with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ).

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a late payment on my XXXX account. That entire payment was removed from my account as a result of being fraudulent activity. There should be no late payment shown.

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