vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I just found out that there are XXXX liens on my primary residence by a creditor named XXXX. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this XXXX is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
We purchased a home in 2002. When attempting to sell this home recently, we discovered that there are XXXX liens showing on the mobile home. These loans were discharged years before we purchased the home. We are not able to sell the home due to these loans showing at DMV against the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IA

Complaint narrative:
I called Greentree on XXXX XXXX, 2015, to authorize a payment over the phone in the amount of {$1400.00} to be withdrawn from my account on XXXX XXXX, 2015. On XXXX XXXX that payment was taken out along with an additional payment of {$1900.00}, which was not authorized. Also a {$12.00} fee was withdrawn from my account, which was agreed to be waived. I noticed this error on XXXX XXXX, 2015, when a check I wrote was returned for insufficient funds due to the additional {$1900.00} that should have never been withdrawn from my account by Greentree. I have received overdraft fees from my bank and a return check fee from the stockbroker company who attempted to cash my check for {$5000.00}. I was investing some of my son 's money into the stock market. That money is sitting in limbo right now since they ca n't cash my check. As of this date I have not received the {$1900.00} back into my account. I have called Greentree every single day. Some days I am not able to reach my account representative. Other days I speak to her and she resubmits an email to her supervisior stating that this issue is urgent and needs to be resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I have an installment loan with the company. They call me repeatedly to ask about my payment. I informed them that I would be in that afternoon, but I was not able to make it there on several occasions due to getting off work after they closed. The company calls me during the day and if I am in a meeting or with a customer, I answer and tell that that I will call them back. On XX/XX/XXXX they called my cell, I answered and said that I was in a meeting and would call them back. 5 minutes later they called my job and asked to verify employment. I called the company ( XXXX ) back and asked why would they call and verify employment ; as they had just spoken to me. She said it was because every time they call that they get hung up on. I told her that employment verification is for loan approval and that I did not want her calling my place of employment anymore or I would be filing a complaint with CFPB because she has my personal number to speak with me and I did not want her calling my place of employment. She said that it is in my contract that employment can be verified. I told her that I did not want them calling my employer anymore because it is against the law if I asked them to stop. I assume that they are circumventing the law by calling to " verify employment '' but in essence employment verification is only for loan approval. If I already have the loan, there is no reason to verify employment because I am responsible for the loan rather I am working or not. This behavior has become harassment ; the payment is on 18 days delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Ditech has acknowledged since XXXX 2016 that it has miss applied mortgage payments they received and cashed. I sent a letter in XXXX along with supported documents asking for the mortgage to be brought current, late fees removed and any negative credit rating. The company is still reporting my payment as late. Applying late fees and negative credit reporting. I have spoken to XXXX plus customer service representative since I started documenting in XXXX 2016, some who are supervisors and the matter is always acknowledge and apologized for along with a timeline for resolving the matter. ( 7days ) Ditech has sent me written in XXXX promising to resolve the issue. It 's now XXXX and Ditech continues to send demand letters for payments, report to credit agency and applied late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Solutions, LLC (KY)
State: FL

Complaint narrative:
Credit Solutions LLC is attempting to collect a debt that was paid by my insurance and continues to report false information to the credit bureaus. The debt was error by XXXX and no amount was ever owed by me personally. Credit Solutions is aware of the false reporting yet continues to report it. I have suffered financial damages as a result of their false reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Michael J Adams PC
State: TX

Complaint narrative:
Michael J. Adams PC recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX XXXX They sold the debt to XXXX XXXX, XXXX and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Acceptance Solutions Group, INC
State: MO

Complaint narrative:
I had officially revoked my ACH hold. Spoke with my bank ( XXXX ) and the company ( Acceptance Solutions Group ). As they were overcharging me. It took me filing a complaint with the XXXX for them to finally acknowledge the ACH revoke request. After several months my account has started to be charged again. They polulated a check with my account information and just typed in my signature. I have spoken to an attorney and they were NOT to be taking money out of my account. IThis is fraud. I want the payment they took out replaced and I want them to close my account as paid in full as they were supposed to do months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NC

Complaint narrative:
I was a loan modification process with BSI mortgage co., therefore they would not accept any payments and kept reporting me as " late payment '' and now " delinquent '' which is not a fair statement. How can I be late or delinquent when they wont accept a payment and then turn around and report this to XXXX and XXXX as a true statement? ( thank you for correcting this error from XXXX ) that is a fraudulent statement!! THEY ALSO SHOW " FORECLOSURE '' - I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. BSI is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! BSI is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from BSI showing PAID IN FULL. Please help!! 
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 2016-03-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: AL

Complaint narrative:
Follow up to CFPB No.XXXX Corporate called to state that the investigation was complete and that a corrected bill would be submitted. Consumer never received that bill. Consumer called XXXX around or about XXXX XXXX, XXXX to inquire about the bill and was told that it would be issued XX/XX/XXXX. XXXX received a notice on XXXX XXXX, XXXX that there was a {$0.00} balance and that no payment was due. However, today, XXXX XXXX, XXXX, consumer received a collection notice from Credit Protection Association L.P. dated XXXX XXXX, XXXX that the bill was in collection. XXXX created the problem by continuing to bill consumer even though service should have been disconnected on XXXX XXXX, XXXX, when consumer returned the cable equipment. XXXX did not give consumer enough time to respond to the corrected bill.

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 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Related Case # XXXXChexSystems had been re-inserted into my credit file derogatory marks from XXXX XXXX XXXX. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I received my consumer report from Chex Systems and the consumer report has inaccurate personal information and inquiries that are fraudulent and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 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: Northland Group Inc
State: NV

Complaint narrative:
XXXX separate transactions occurred on a XXXX debit card connected to my XXXX XXXX XXXX account. Despite all XXXX transactions being investigated by my bank 's fraud department and their acceptance that these transactions were indeed fraudulent, XXXX still held me liable and sent the amounts to collections creating XXXX negative and completely unjustified negative accounts on my report. Furthermore, despite providing records and all of the information to both XXXX and the debt collector, Northland Group, they have refused to delete the fraudulent transactions/accounts and continue to hole me liable. I was under the impression that Target had accepted those liabilities nearly a year and a half ago when I provided XXXX XXXX XXXX 's documentation/resolution. Because I believed this issue had been resolved, all documents pertaining to the stolen card were shredded. It was not until I was denied credit for having these accounts on my credit report that I became aware that they were negatively impacting me despite not being mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Accounts Receivable Services
State: MN

Complaint narrative:
this is a fairly unique case as i am have recently learned of XXXX practice of forwarding accounts to a collection agency after 60 days without being paid in full. I have always preferred to pay my creditors directly and even in this case I have been making payments to XXXX on a monthly basis ever since i have been a a patient with XXXX. XXXX practice is to apply payments to the current bill in their office although their maybe extensive medical debts and payments were being made as i could afford to each week as I got paid XXXX contacted me and told me that unless i contacted the collection agency and lifted the cease communications with the collections agency and make a deal to pay i would lose my doctor as they planned to cancel me as a patient. I was intimidated into stopping my payments and told that either I pay the debt on a credit card or I make a payment plan that does not exceed 10 months neither of these were an option I asked for validation and I was told initially I did not have a valid dispute? they finally sent me the validation only to find out that they did not submit all the claims to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northland Group Inc
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Northland Group for Northland 's failure to provide requested information for the debt alleged. Consumer, XXXX, received a demand letter from creditor, XXXX. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt XXXX ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased XXXX XXXX XXXX card ( issed by incomm, XXXX ) for XXXX with {$500.00} each. They just freeze my money for no reason ( the rep told me that it is a random check ), and ask me to provide additional information to unfreeze my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 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: Financial Management Solutions, LLC
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account FMS FINANCIAL MANAGEMENT SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX, TX XXXX ) XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing FMS FINANCIAL MANAGEMENT SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that FMS FINANCIAL MANAGEMENT SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: ND

Complaint narrative:
Chex Systems is reporting on my consumer report a fraudulent and unauthorized checking account from XXXX that do n't belong to me. I am victim of identity theft and someone stole and used my personal information to open up a fraudulent and unauthorized account checking account with XXXX. Attached to this complaints is a police report and letter I sent to Chex Systems.

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 2017-03-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
My payment came due on XX/XX/2016, I received 10 phone calls from Conn 's everyday. Then a lady calls my husband cell phone and proceeds to him all of my information, when my payment is due, how much it is and asked if he is still roared to y on the account. His Name is no where on the account. He asked the lady on the phone to speak with her supervisor because he knew that what she had just done was illegal, she tells him that they are all in a meeting and hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I have a debt reporting on my credit from this company I do n't know anything and I do n't know anything about and debt that their reporting on my credit and refused to remove my right are Being violated if they saying it my debt this company should have proof contract sign and dated. Original documents

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 2015-08-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Eastpoint Recovery Group, Inc
State: CA

Complaint narrative:
Due to family hardships I was unable to keep up with the payments.I called XXXX XX/XX/XXXX to inform them of my situation and ask for assistance I was told I need to pay the full amount. The loan was then send to debt collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY spoke to XXXX XXXX XXXX, XXXX XXXX XXXX who said They knew where I lived and all my information, and would go after everything I had and that I better pay by XXXX XX/XX/XXXX because they were sueing me and a lawyer would come to where I was. They would take my Home and retire, ent income. References were called and given personal information and were informed that it was an emergency because I was in trouble. The resolution was they gave me after saying they would help me was :1. Borrow money to pay2. Get cosigner 3. Take my retirement money 4. No pay, nets accepted if I did not give the {$6000.00}. 5. Judge would take everything including their attorney cost and interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My husband was trying to add me to his checking account and due to chexsystems and an alert for my name due to previous identity theft they were unable to add me to the account but they did n't give me any information what to do so that I can get added to the account.

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