vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
A debt collection agency is reporting negatively on my credit report and they should not be as arrangements for payment were made with the original creditor and a certified check has been cashed by the original creditor for the amount that we agreed upon. The only contact I have ever had with Financial Recoveries was to dispute the validity of a debt and request that they remove there account from my bureau reports. I had to make XXXX request for debt validation and when I finally received it, it was in an unsealed envelope with personal and private information exposed. Financial Recoveries have received proof of payment from me as well as XXXX XXXX showing my obligation has been met with XXXX however they refuse to remove the negative and incorrect info from my credit report. The original balance was {$1500.00} I settled with XXXX for {$750.00} which XXXX accepted and cashed my certified check but Financial Recoveries will not remove the negative info and are reporting that I still owe a balance of {$820.00}.

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX conducted an unauthorized credit check which was discovered and retracted from XXXX credit agencies. However it is still appearing on my Experian credit report. 

I am a student studying abroad. I am unable to send/receive US mail presently, and the Experian website is not allowing me to file an electronic dispute, perhaps because I am using a computer abroad? It 's unclear why I am unable to access the dispute form through the Experian website on my computer, which continues to generate a security error. 

Because there is no fax, telephone, or email method for filing the dispute I am at present unable to follow-up with Experian for the correction to my credit history. Please inform how this can be corrected because I am unable to proceed with information that Experian has provided on the website or by telephone contacts. 

Thank you in advance for your help. 

Sincerely, XXXX

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 2016-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nelson and Kennard, LLP
State: WA

Complaint narrative:
An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
In XX/XX/2015, i took out a XXXX personal loan from a company called Loanme. It was all done over the phone. Just 2 weeks ago, the loan company took the monthly payment of XXXX dollars from my account. I, sure that i had already paid off what they let me borrow, called the loan company. During that phone call i was informed that the interest rate for my loan was a whopping 135 %. I asked them to then send me documents with all the information regarding the loan such as terms and conditions. I have those now. I told them that my financial situation has changed since my hours at work had been cut due to me attending college. They asked me all kinds of questions regarding my weekly spendings and told me that they would be able to lower the monthly payments from {$290.00} to {$250.00}. The gentleman that was helping me informed me that they had sent me an email containing all the details regarding the changes to my loan account. He said i absolutely must sign that form electronically as soon as possible and to call him as soon as i did. He really made it seem incredibly urgent. I found it weird that i had not yet even signed anything with this phone company, and now they suddenly wanted me to electronically sign this online document. This document says that not only my monthly payments had been lowered, but that the interest rate had also been lowered from 135 % to 115 %. This was something that i was not told would happen during the phone call. All they told me was that if i did not sign and return the electronic document to the company via email, then the changes made to my loan would not happen. I find this all very suspicious. As far as i know, the maximum interest rate in the state of California is 10 %. I am more than willing to pay a legal interest rate. But this to me sounds a lot like theft. I would really appreciate the help and the careful analysis of people who possess a much greater knowledge on these issues. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 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: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I received a notice from this company saying I owe a debt to " XXXX '' an electric provider. The problem isXXXX is the original creditor, yet : XXXX is on my credit report for this as well as " XXXX ''. I have filed a complaint against " XXXX '' for not removing themselves from my credit report when they sold the debt to XXXX in XXXX. Now here is another agency trying to collect the same debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I 've been working with the servicer BSI Financial Services. 
I received a letter indicating to send payment to them I also received a call to send my payments else where. The first thing I did was sent them a validating letter to validate the debt starting on XXXX/XXXX/2015. Including the trustee XXXX. BSI Servicer did not respond to any of my letter. I sent the following letters. 1. QWR 2. Notice of default 3. 2nd Notice of default. 4. Non response. 5. default. 6. Cease and Desist. I also receive calls saying they were modifying my mortgage which never happen. BSI and XXXX XXXX trustee foreclosure on my property and sold it to a 3rd party. XXXX is the evidence of paper work. This foreclosure was an illegal foreclosure they never validated the debt nor they had the rights to foreclose on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
When the property went underwater, a loan mod by XXXX was declined. Foreclosure followed. After years the lawsuit was settled. the consent agreement is attached, paragraph XXXX states : XXXX. Plaintiff and all of its agents and assignees agrees to waive and release Defendants from any and all actions, causes of action, suits, claims, demands, liabilities, obligations, damages, trespasses, whatsoever, known or unknown, express or implied, vested or inchoate, at law or in equity ( hereinafter " Claims '' ), from the beginning of time up to and including the date of this Agreement. This release only relates to the loan that is the subject of the instant foreclosure action. 
Nevertheless XXXX filled negative reports to the Credit Report Agencies, harming my score. 
After the consent settlement XXXX sold the note to a Trust, see attached Motion to change lawyer. BSI Financial Services is the servicer for the trust. 
Neither XXXX nor BSI informed me about the transfer of the note as required under TILA, FDCPA and FL STAT XXXX. 
In a Motion to cancel the foreclosure sale ( attached ) BSI states they send a letter regarding Loan Mod, as of today we have not received this letter. 
Furthermore BSI reports to the Credit Report Agencies that we are in foreclosure on the same note. 
Threw this reporting my credit was heavily damaged, now I am unable to get a new loan do to the low credit score. Nevertheless it is a violation of the consent agreement too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I would like for CFPB to publish my complaint, so that others in in my position would not have to incur the frustration and stress that I 've had to endure. My complaint is with Third Federal Bank. I am a XXXX XXXX year old women, with COPD. I 've have been trying to work with Third Federal Bank work with me to modify my mortgage. I was denied because I no longer bring the same income as I did when I was working. 
My first modification my mother was allow to assist me with money per month to add to to help with my income. But when my mother took ill her self, I went back into the hospital. I attempted to get another modification based on my income alone, seeing as though my mortgage was over have of my monthly income. I gave them all the information, they asked for and told them my mother was willing to to help me still monthly. I was told no, I did n't make enough money and that I needed, to just let my home go and look into a XXXX XXXX place. I have owned my home and have tried everything to hold on to it, for 14 years. I fear I 'm being pushed out of my home, I was told it was too late to too late to save it because. it went into foreclosure XXXX, XXXX 2016. Now I have no place to go, with XXXX 24hrs. a day, on a fixed income. Please Help ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am approximately 1 week late on a loan from Loan Me and they have consistently called me at least 6 to 8 times per day since XXXX XXXX from various phone numbers. I have emailed their representative advising him that I lost my job and need some time to contact them by the end if next week to make a payment arrangement. These collection calls are very aggressive and predatory. 
I do not know how to stop them from calling my phone all day and night!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Hello everything was not cleared and this is another complaint. I had mentioned in the complaint before to clear it with the bank of the debt I owed, and the bank did there job and when I went to open an account after being told it was clear from the Chex Systems credit. It has not been cleared, I need to open an account for my job it is required and I am unable to due to the fact Chex Systems has n't cleared it and I am being told to many things for something not to have been handled by now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equidata, Inc.
State: PA

Complaint narrative:
I had recieved medical care and my insurance covered 100 %. Medical center radiology at XXXX hospital claim I owe them {$38.00}. They will not tell me what for and have malaciously put the false information on my credit report dropping it from XXXX to XXXX. I called the collection company EQUIDATA, and they wont give me an answer and claim i must pay it. Nothing in a hospital costs only {$38.00} and they cant explain where this charge came from. I think they do this to everyone to scam money. I called my health insurance and they said the entire claim had been paid and there were no additional charges submitted and are sending me an itemized statement. They are committing a crime and its affecting my credit reputation. It needs to be removed asap or im seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Admin Recovery, LLC
State: CA

Complaint narrative:
A XXXX XXXX called and left a message stating that he was with my bank and that there was a payment that was rejected which reached breach of contract of which he never said what the amount was or what the contract was about. He then attempted to call my place of business several times in which I told my operator that it is illegal for creditor, whether I owe or not, to contact me at my place of business. I then received a text from a friend stating that someone called and left her a message which it was the same XXXX XXXX but told her something completely different and that i put her as a reference on an application and that he needed to get a hold of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been out of work for a year and a half so my checking acct. was at {$0.00}. A small automatic withdrawal was made while I was in the hospital. I do n't even know what it was for because they cut off my access to my online account. The penalties imposed by the bank was {$140.00} on a under {$10.00} automatic withdrawl which there was no money in the account and had n't been for months. On XX/XX/XXXX I received a letter from chase saying they had changed the overdraft fees etc and they made a credit to my account of {$140.00} with an ending balance of {$0.00}. On XX/XX/XXXX, I received a letter telling me they closed my account, cut of all access to the account, and REPORTED ME TO THE EARLY WARNING SYSTEM WHICH HAS KEPT ME FROM GETTING A CHECKING ACCOUNT and sent me to collection. This happens at a time when I am trying to start a small business. I thought maybe the letters crossed in the mail, but nooo on XX/XX/XXXX, I received a letter from chase 's internal recovery unit demanding payment. XXXX MONTHS LATER THEY STILL ARE DESTROYING ME FINANCIAL. HOW IS IT POSSIBLE FOR A DEPOSIT THEY MADE INTO MY ACCOUNT NOT BE CREDITED TO MY ACCOUNT??? Do they have XXXX sets of books? I can guarantee they would have a withdrawal recorded to my account in seconds from anywhere in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
XXXX gift card from Incomm. 
Had a {$25.00} gift card and with cash bought something for {$47.00}. Returned it to the store and the clerk accidentally put all {$47.00} back on gift card. XXXX froze the card saying it was more than {$25.00} and after calling XXXX or more times they are refusing to unlock the card. We ca n't speak with a manager. They are just stealing our money and there is nothing we can do. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Lenderfi, Inc.
State: CA

Complaint narrative:
We applied for a refinance on our property in california. We were continually assured that the loan would be approved ( excellent credit and loads of equity ) We were required to pay for an appraisal ( {$510.00} ) and a subordination fee that had to be overnighted ( {$250.00} + {$50.00} ). After nearly 10 weeks on this loan and the mountain of paperwork we sent to them I called them only to find that they claimed we did not qualify. Their only explanation of debt to income did not make any sense. I have requested a further explanation to no avail. We want our upfront monies back and we want all the papers associated with this loan with a full explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-10 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 have sent numerous police reports to Chex Systems in regards to unauthorized and fraudulent inquiries on my consumer report. The following inquiries are unauthorized and fraudulent : XXXX/ XXXX/XXXX/XXXX/XXXX

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 2016-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: VA

Complaint narrative:
Financial Management Solutions ( FMS Financial Solutions ) continues to be negligent in removing incorrect information about a false debt that it claimed was owed. While litigation was pending, it originally posted a false report about debt owed on my credit report, at the request of its client, XXXX XXXX XXXX. Moreover, it continues to be in violation of federal statute by posting false, and inaccurate data on my credit report. The posted this incorrect information through its employee, XXXX XXXX. 

FMS Financial Solutions posted this inaccurate information to my wife 's and my credit report, while a litigation was still pending. Since we last submitted our report to CFPB, FMS Financial Solutions has finally removed the false debt amount owed, after months of disputing their erroneous information. However, despite noting that no debt is owed, FMS Financial Solutions has failed to remove the dates that it claimed this false debt amount was owed and make the correction to no late payments. Currently on my credit report, it still lists that I had late payments from the months of XXXX XXXX to XXXX XXXX. This information is inaccurate, and therefore a violation of the Fair Debt Collections Act. 

As the evidence shows, after litigation with FMS Financial Solution 's client, XXXX XXXX XXXX, their client 's original claim of debt amount owed was rejected by the court, and we paid the court judgment of a different and lesser amount immediately, on the same date of judgment in XXXX XXXX. FMS Financial Solutions was negligent in correcting this information and has since reported incorrect information on our credit reports ( my wife 's and mine ). FMS Financial Solutions was wrong to post any alleged debt in the first place, while litigation was pending. 

FMS Financial Solutions is still in violation of the Fair Debt Collections Act in claiming false information on my credit report about alleged late payments ( between XXXX XXXX and XXXX XXXX ) on a false amount that was never owed, as the XXXX, XXXX XXXX XXXX XXXX was the only XXXX with authority to determine the actual amount. I repeat, FMS Financial Solutions is still currently in violation of federal law in posting inaccurate information to my credit report. 

We are still preparing our legal case against FMS Financial Solutions ( for any and all continuing damages resulting from its negligence ), and requesting CFPB take necessary action to have FMS Financial Solutions false report about late payments between XXXX XXXX and XXXX XXXX removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
On XXXX/XXXX/2015 I attempted to open up a XXXX XXXX XXXX account, so that I may close my XXXX XXXX XXXX account. While in an attempt to open this account I was denied by XXXX XXXX and sent an email stating I needed to reach out to CheckSystem in order to find out why I was declined. The first time I called I was given no information even after I provided my:1.SSN2. Address for the last 5 years3. Telephone NumberI was actually hung up on. I received my report on XXXX/XXXX/2015 and it is full of inaccuracies. I called ChecSystems back today XXXX/XXXX/2015 with no luck. 

My intention in calling was to find out 1. what information was used against me in my attempt to open a checking account with XXXX XXXX ( As stated in my Summary of Rights Under the FFCR Act ) and 2. To fix the inaccuracies listed in my report. 

upon calling the women that I spoke to collected information from me for approximately XXXX minutes and the result was : Sorry we could not find any information about XXXX XXXX. Further more when I asked the agent what negative marks on my fail may have resulted in my getting declined she stated " ChexSytems only provides reporting information to bank agencies, we can not provide you any further information '' This is frustrating because I have had XXXX for 9 years and I do n't know why I would n't be able to transfer banks. 

Also there are several inaccuracies on my report and the agent could not assist me with this either.

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