vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
In XXXX of XXXX I realized that my bank account had been garnished by Messerli & Kramer for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to XXXX XXXX XXXX to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from XXXX XXXX XXXX that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to XXXX to get payoff information. After weeks of calling in and not reaching anyone at XXXX she finally got a call back. They informed her that Messerli & Kramer are now handling the account and provided the processor with thier contact information. When she called in to to Messerli & Kramer the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with Messerli & Kramer to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a retired XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have tried for years to pay this off. They offered me forbearance after forbearance and deferments. Ive had it for XXXX years and still owe more than the original balance due to late fees and interest. The % is over XXXX %. They hiked my monthly payment to over $ XXXX m. They would not work with me. I want to pay it back- but its a steep hill to climb. Is there a way to get them to forgive the interest and late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pulled up my credit report from all three credit bureaus, XXXX, Equifax and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the XXXX Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX to XX/XX/XXXX to XXXX, Equifax and XXXX on the bankruptcy and they all responded back by saying the information was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I pulled up my credit report from all three credit bureaus, Experian, XXXX and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XXXX 2009 on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the Arizona XXXX XXXX on XXXX XXXX, 2017 requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XXXX to XXXX 2017 to Experian, XXXX and XXXX on the bankruptcy and they all responded back by saying the information was verified.

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 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
This item on my Credit Report referred to by the Collection Agency, Diversified Consultants had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
Quicken Loans sent a letter of solicitation to XXXX XXXX to refinance my home loan. XXXX XXXX is my spouse, but is not a legal owner of the property being solicited. The property is located in Oregon, which is not a community property state, and public record shows that he is not a legal owner of the property and never has been. He is not on title, deed or the current mortgage. I am very concerned with Quicken Loans advertisement/solicitation practices offering an individual who is not legal owner of my home to refinance my home in their name. My name is not on the solicitation at all, it is only addressed to XXXX XXXX, along with details of my current loan amount, and an offer of new refinanced terms from Quicken Loans. This offer and their means to obtain the information seems deceptive and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
I have been making payments on my mortgage to Nationstar Mortgage XXXX XXXX XXXX XXXX. I paid extra and requested that it be applied to principal. Instead of applying it to principal, they have applied it to future payments, so that as of XXXX XXXX, XXXX, I do not have a house payment due until XXXX, XXXX. 

I am in a Chapter XXXX bankruptcy in the XXXX of XXXX. Nationstar Mortgage filed a {$45.00} arrearage claim for a possible escrow shortage. They have applied a {$360.00} fee for administrative expenses for the bankruptcy, but for some reason have not included that amount in their proof of claim. They are basing their refusal to apply the extra payments to principal on this {$360.00} fee. They have not said why they just did n't pay the fee out of the excess funds. There should be between {$160.00} and {$260.00} in the suspense account at this point. 

The failure to properly credit my principal payments has increased the amount of interest I am paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MN

Complaint narrative:
In XX/XX/XXXX of 2016 I realized that my bank account had been garnished by XXXX XXXX XXXX for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to RAB Performance Recoveries to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from RAB Performance Recoveries that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to RAB to get payoff information. After weeks of calling in and not reaching anyone at RAB she finally got a call back. They informed her that XXXX XXXX XXXX are now handling the account and provided the processor with thier contact information. When she called in to to XXXX XXXX XXXX the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with XXXX XXXX XXXX to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a XXXX XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XXXX XXXX, I opened a Capital One Money Market account and a checking account. I deposited XXXX dollars to the money marketing XXXX and another XXXX dollars to the checking account. XXXX days later, I received an email from the bank tell me to call them and they have already restricted my account. I called the number provided in the email on the next day and they told me they decided to end the relationship with me for no reason. The money was still in the account but I can not transfer it back cause I do not have access anymore. I called the normal customer service number several times but they just let me to reach the security department. I also reached the security department XXXX times but every time they just let me to leave a message and the auto system told me they will call em back. It 's now been more then XXXX week I have n't heard back anything from Capital One and my money still is stuck in the XXXX accounts. Also, on XXXX XXXX, I received from Capital One told me they believed there is a identity theft which is not true cause I 'm the person to apply, I received all the letters from them and also they deposited XXXX small amount of money for verification which I found it in my external account and enter it on the website to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
This is the XXXX complaint I have filed against quick credit located in XXXX South Carolina. I have left them in writing not to contact my near-by references, that they say they never received I have spoke w the home office and the account was to have been noted not to call and today an employee of that office XXXX called my reference and left messages for me to call. I called the quick credit XXXX office and XXXX said that there was nothing on the account about not calling

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 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
In XXXX XXXX, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX XXXX XXXX XXXX I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party Cavalry Portfolio that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and Cavalry Portfolio remove this debt from my credit report immediately ( all XXXX Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This item on my Credit Report referred to by the Collection Agency, XXXX XXXX had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. 

Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. 

Why is this item once again listed on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

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 2017-08-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX from API ( XXXX xt XXXX ) has called all my relatives, friends and previous employers and threatened legal action against them if they do n't provide my personal information. 

I can provide a minimum of XXXX individuals who will attest to the fact that she continues calling and threatening them even after they tell her not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: UT

Complaint narrative:
I have been battling with Progressive Management Systems, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX since XXXX XXXX over a bill of {$2300.00} assigned to them by XXXX XXXX XXXX Hospital. 

My insurance company, XXXX, paid this bill at 100 % and then we started getting bills from PMS ( aka Progressive Management Systems ) for this balance for an Xray that was over {$7800.00}. I had a XXXX XXXX XXXX - how is this even possible. 

I have asked them to sent me proof and documentation that this is my account and they keep sending me their Printouts from PMS. 
XXXX/XXXX/XXXX - I sent them a letter requesting proof that this is my account and received nothing. 

XXXX/XXXX/XXXX - I called and recorded the call. I was told this is my spouses debt - not mine. 

XXXX I sent them another request in XXXX and they sent me their printout and a list of medical services supposed performed by the hospital ( Why is a collection agency seeing my medical history? ) My attorney wrote them a letter a month ago with no response. 

My wife was in XXXX XXXX last month and picked up ALL the copies of my medical records, there is no HIPPA documentation in there. 

Overbilling, trying to collect from someone else and now my medical history. 

I want this removed from my credit reports immediately! 

Sincerely, 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 2017-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a cease and desist letter to Western Shamrock Finance in  XXXX, Texas ( I have attached a copy of same ) per the instructions of a debt consolidation company I was conversing with. I later decided against using the consolidation company, so they sent letters to my debtors stating they no longer represented me. 

On XX/XX/XXXX I received another call from the a representative with same company, Western Shamrock. I told her I sent them a cease and desist letter and sent it to them again dated XX/XX/XXXX. I received another call and she stated " I was told to call you and your references every day until we receive a payment ''. I told her that was harassment and they needed to review the letter again and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure it is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. A loan Modification packet was submitted on behalf of the client on XXXX/XXXX/XXXX to your office. It was confirmed the documents have been recieved with your office. The borrower complied with all request for documents. Your office informed our office on XXXX XXXX that additional documents were needed and the file is in review. Yet there is a active sale date. As stated above you are required to postpone or cancel the sale date while the file is in review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I attempted to reinstate my mortgage. Based on a repayment letter issued XX/XX/XXXX & verification of calling the lender I had until the end of XX/XX/XXXX to remit payment of {$3000.00}. XX/XX/XXXX I first attempted to send a moneygram based on the information provided in letter format & verification by phone call with lender. The lender refused to accept funds through the moneygram format. I had to resort to getting 4 money orders for the balance due of {$3000.00} and sending them by mail, in the same envelope XX/XX/XXXX. I received 3 separate letters dated XX/XX/XXXX, each with a single money order stating I had did not submit enough to reinstate the loan. I sent a request to the lender 's research department indicating I had sent all the funds in the same envelope. I received a response XX/XX/XXXX indicating I had only sent {$2000.00}. Then I received a 4th envelope with the missing {$1000.00} money order dated XX/XX/XXXX again stating insufficient funds.I called and spoke to a supervisor who upon research verified that the lender did receive all 4 money orders but the cashiering department had only posted {$2000.00} of the {$3000.00} submitted. She indicated I could re quest another reinstatement but now would have to pay an additional 2 months mortgage up front and all associated fees despite the proof I had submitted the correct balance. No fees will be refunded.

Company response to consumer: Closed with explanation