vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Credit Management, Inc
State: MS

Complaint narrative:
Professional Credit Management did not provide adequate verification of debt in question. No documents were provided showing a signature or contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
I was contacted via telephone for an invalid debt on XXXX XXXX, 2015. I spoke to XXXX I provided my new mailing address and requested a letter. I knew the debt she was speaking of was invalid and told her this. I also provided my email. I knew I needed their information in order to dispute the debt. I never got any letter and they called me again. I explained I need to see a letter. I will dispute this debt I can prove it is invalid. Now suddenly on XXXX XXXX, 2015 I see it was reported to credit reporting agencies. I contacted them to remove this since it is not accurate and I never received a letter and in NY it is my right to get a letter to dispute. She said it is too late and they can not remove it. I said that is illegal I do n't even know who you are. She transferred me to a supervisor who also said too bad they will not remove it. She wanted me to make arrangements to pay. I said no this debt is invalid and I can prove it. I explained I have been working on my credit and on time payments and this collection will destroy what I built. Again she did n't care. I said I am going to file a complaint. They are illegally reporting false information about me and did not give me the opportunity to dispute this. I know it is my legal right and I need to complain so they ca n't do this to others. This is unfair and it cost me over {$1500.00} more in interest for a new loan I was waiting to receive. This is not fair and I needed to report this unfair activity. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: Access Receivables of NC Inc.
State: NV

Complaint narrative:
Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. I have told XXXX many times to stop calling and he has ignored this request. He has called and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Xtreme Products LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2016, USA Student Loan.org contact to me, stating that my name was selected from a low income database to see if I qualified for student loan reduction or to get it totally paid off. The Rep was named XXXX ( no last name ). What really convinced me that this could be legit it because, he even mentioned that he was in the same area that I was from and called out some of the areas that I was familiar with. After retrieving my information from the XXXX website and final consulting, he said I was approved for 100 % of my settlement. But, I will have to pay {$590.00} in full or in payments for the next 5 months. I have tried to contact them to check on the status of the process and no one answers the phone. I am convinced that this was a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: TN

Complaint narrative:
A company called " Focus Receivables '' calls our office twice a day, every day. No one responds but looking them up online, they are a fake debt collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company
State: FL

Complaint narrative:
Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 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 BUREAU OF NAPA COUNTY, INC.
State: VA

Complaint narrative:
I received a letter from Chase receivables stating that I owed them {$59.00} for medical records that were transferred. I never authorized them to transfer anything and I never received a bill from a company called XXXX that Chase receivables says that they 're collecting for. I did a little research on line and found out that there have been many complaints and fraud charges filed against this company. Since I know nothing about the charge would have no idea what they 're charging me for I think this is for XXXX since I know nothing about the charge would have no idea what they 're charging me for I think this is for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: MD

Complaint narrative:
constant calling about a debt that 's not identified whether by mail or phone call

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company
State: NJ

Complaint narrative:
Focus Receivables claimed to be my electric company and threatened to shut off my electric if I did not provide my credit card or a check over the phone in the amount of {$1400.00}. XXXX bill is paid up and I believe they are actually working for XXXX. Debt is only 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 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company
State: CA

Complaint narrative:
An item which originated in XXXX of XXXX from XXXX XXXX XXXX appeared on my XXXX and XXXX reports in XXXX of XXXX. I contacted XXXX XXXX and the only information they have on this is index data which indicates the item was sent to collections in XXXX. It is now being reported with an " Open Date '' of XXXX XXXX, XXXX and XXXX XXXX, XXXX, respectively. It has obviously been re-aged. I was never notified of this collection attempt via U.S. Mail or telephone. I will send out letters to the agency next week after XXXX with a demand for supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Asset Management, Inc.
State: UT

Complaint narrative:
I have filed a complaint against Check City and they continue to call my cell phone even though they responded to my XXXX complaint by stating they removed my cell telephone number from their system. The fact is, they have INCREASED their calls to XXXX a day by calling from a Virginia phone number. The new number they are calling from is ( XXXX ) XXXX, the XXXX number was ( XXXX ) XXXX. Please see my XXXX complaint, Number XXXX. The company responded to the XXXX complaint by saying they placed my cell telephone number on a DO NOT CALL list in XXXX, but calls continue to pour in and I find it interesting they have switched the number they are calling from since I refuse to answer the old number they were using. And, they have XXXX up on their attempts to call my cell phone ... I am now getting calls from both numbers DAILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: TN

Complaint narrative:
Repeated " Robo-calls '' with no information other than asking for you to call their XXXX number to collect a debt. They call 1-2 times a day. Caller ID says " Focus RCV MGMT '' Online Search calls the company " Focus Receivables Management '' and this is a common issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I am again having issues with the mortgage company Planet Home Lending, affiliate of XXXX. We were sent to this company for collections that we would not have have been in if XXXX would not have refused our payments for over a year. Again they accepted one and not others. So we were placed with a collection agency, who are now saying they did n't receive a payment for XXXX XXXX, the payment was sent the end of XXXX, however the other payment submitted in XXXX was also refused. The check was cashed on XXXX/XXXX/XXXX. We also had to send the modification papers in with the pay difference because this company has raised our payments from {$570.00} to {$680.00}, claiming it is for court cost lawyer fees etc. This would not have been the case if these companies would have kept the payments they received every month. I am a little concerned on whether this complaint will get results, I just talked to the company and was told the person handling the complaint is not in the office and no one else is taking his work load. 
His name is XXXX XXXX, So I asked how this business is being ran? One person that handles complaints and they are not answered in the allotted time. Again I think this is an issue and not acceptable thru FHA guidelines. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I made a loan with HFC/Beneficial for the amount of {$13.00}. The rate of repayment was @ {$220.00} per month which latter in the loan around about XX/XX/XXXX the payment were reduced to XXXX per month. My account was sold to another company who has recently adjusted the amount that I owed to them after making a complaint to them that I had been overcharged. Before selling my account, HFC did not notify me nor did they provide me with how much I had already paid to them. I believe that they have also been overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Underwriter at BBVA bank is using a credit report with a fico score of XXXX from XXXX XXXX where the real score is XXXX. I had XXXX credit reporting agency pull a mortgage credit report that shows the correct score of XXXX, XXXX points higher. I sent it in to BBVA but they wo n't consider a credit report from an outside source. They are denying my loan of {$80000.00} which is a 78 % CLTV and will only approve 70 % CLTV even though I qualify income and ratio wise. I feel there is obliviously something wrong with their credit reporting system and is denying me a loan I should easily qualify for..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but national credit systems and security cred.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
i received a letter on XXXX XXXX 2016 stating that my property will be sold at auction on XXXX XXXX 2016. i contacted the mortgage company and was advised to submit a modification packet. i submitted the package on XXXX XXXX i called in to verify that it was received and it was. i was also told that the sale was being put on hold. On XXXX XXXX 2016 i was contacted by an agent stating that my home had been sold and she was representing the new owners. I called the bank and was told that the sale should have not happened and the sale would be re-sended. Not to worry that the property was still mine and i was being under review to see if i qualified for the modification loan. on XXXX/XXXX/16 when i called to get status of the process i was notified that they will not be re-sending and the sale would go-thru.I have been served with an eviction notice to appear on court XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Mortgage servicer Loancare has repeatedly failed to credit our account after cashing payments. Just months ago fought through their system to get our payments credited to account but now its happened again and they are negatively impacting our credit rating and in essence creating a XXXX job for us to have our payments credited.

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 2015-12-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
Good afternoon, I 'm in need of assistance. I 'm hoping you can see to it that this gets resolved. 

Compass Bank had the second lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX was the last reported date on my credit report revealing I was 120 days past due. This was my last time since negative. 

XX/XX/XXXX I discovered Compass was reporting that I had a monthly obligation of {$23000.00} on this old debt. This was reflecting in my monthly DTI. I disputed this information through XXXX XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure ( XX/XX/XXXX ) and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, Compass Bank eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX. 

Now my credit report says I have a RECENT LATE as of XX/XX/XXXX and XX/XX/XXXX - but the last time I was late with payments was XX/XX/XXXX. Compass recent reporting of my charge off occurred in XX/XX/XXXX and now XX/XX/XXXX because of my recent complaint. They updated their records to reflect CHARGE OFF XX/XX/XXXX. Their adherence to erroneous reporting makes lenders and other affiliates assume I was recently late on my obligations. I DO NOT HAVE A CHARGE OFF AS OF XX/XX/XXXX or XX/XX/XXXX. But as you can see on the evidence provided I was NOT late on any payments in XX/XX/XXXX. ( I have n't been late on any payments since XX/XX/XXXX. ) How could I be late on an account that has been closed since XX/XX/XXXX? Compass wrote that the balance is past due as of XX/XX/XXXX and now XX/XX/XXXX but I was 120 days past due from XX/XX/XXXX. 
LENDERS will NOT approve me for a mortgage because it says I was recently CHARGED OFF. How can I now have XXXX CHARGE OFFS on XXXX ACCOUNT? 
I was recently declined a mortgage because of this reporting. Even though the notes say the Charge Off will drop in XXXX suggesting it is an old charge off their reporting is erroneous and inaccurate and make it appear that this is recent. 

Per XXXX my Time Since Negative is .1 years ( point one years ). Please help. I have n't been late since XX/XX/XXXX and it is all related to the foreclosure. 

Please help. The Time Since Negative is completely inaccurate. Please remove the negative date and have it report accurately to reflect that the time I was last negative was XX/XX/XXXX. 

Thank you kindly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This item should have been removed from my credit file XXXX XXXX as the XXXX mortgage was what Bank of America did was make a XXXX dollar payment on the XXXX mortgage on XX/XX/XXXX to extend the XXXX mortgage on my credit file until XX/XX/XXXX I have made numerous calls to Bank of America on this and complaints through the credit bureaus with no luck at Bank of America they just hang up the phone on me I did not think it 's was legal for Bank of America to make it {$1.00} payment and close out a loan as paid and closed on my credit file and stating that the consumer myself is the one who closed out and made the payment the account I never made such a payment nor did I make a payment on the XXXX mortgage which fell off credit report on XX/XX/XXXXThis is a XXXX mortgage were talking about from Bank of America why would I in my right mind make it XXXX dollar payment and pay off a XXXX mortgage when the XXXX mortgage was foreclosed on and has already been removed from my credit file I need to get this removed from all XXXX credit bureaus the XXXX mortgage. 

The XXXX years has passed I never made this payment of {$1.00} or closed out this loan I am attaching documents showing the XXXX dollar payment on XX/XX/XXXX on my XXXX XXXX credit report I also need to have this removed from XXXX and XXXX credit bureau reporting agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On Posting Date, XXXX XXXX, XXXX, {$.00} was removed from my account as a Bal/Adj/Small Balance Adj. - Transaction Date : XXXX - Card Type : XXXX - Transaction Type : Fee - Reference number XXXX. 
On Posting Date XXXX XXXX, XXXX, {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction. Transaction Date : XXXX - Card Type : XXXX - Transaction Type : ATM Cash Advance or Bank Transaction - Offer ID : XXXX - Reference Number XXXX. 
On XXXX XXXX, XXXX @ XXXX I contacted XXXX in SC @ XXXX in regards to the {$.00} ATM Cash Advance transaction on XXXX. She informed me it was done in the dispute department and I was disconnected from the call. Then called XXXX and talked to XXXX in Tennessee. He informed me the {$.00} ATM Cash Advance Transaction was a general ledger adjustment for a fee adjustment rebill. He was not sure what the general ledger adjustment was for or why it appeared on my account. He checked with his supervisor and he was informed to transfer me to the Consumer Service Department. Per XXXX in XXXX, in the FIA Card Services Department he was not sure what the {$.00} Cash Advance Transaction was about and I ended the call. After spending 1 hour and 5 minutes on the phone with these 3 representatives not one of them was able to give me an explanation. 
On XXXX XXXX, XXXX at XXXX I contacted XXXX in Tennessee @ XXXX. 
Questioned him about the Small Balance Adjustment of {$.00} that was removed from my account on XXXX XXXX, XXXX. He could not tell me why the adjustment was removed but informed me he would issue me a {$.00} adjustment and the {$.00} would be returned to my account within 24 hours. As of today, XXXX XXXX, XXXX this {$.00} adjustment has not been returned to my account. 
Please give me an explanation as to why the {$.00} was removed from my account as a Bal/Adj/Small Balance Adj on XXXX, why the {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction and why the {$.00} adjustment was not added to my account by XXXX/XXXX/XXXX by XXXX.as I was informed by XXXX in Tennessee.

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 monetary relief