vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Innovis
State: TX

Complaint narrative:
To whom it may concern i am having the worst experience ever, of all my years of having knowledge of A Credit Report agency and disputing i have never been so insulting like this in my life .i would expect this from a big major credit reporting agency but this UNKNOWN NON NAME BRAND company has push me to the max with insulting my intelligence .I so requested a consumer report i received it found things that were wrong i disputed them with a disputed letter then i was received my completed disputed with a letter attach to basically violating my rights. if you read the attached Document you would then understand my concern, them Admitting that the accounts or not verified legally

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
On XXXX XXXX, 2015 I received notice from Green tree stating that I was able to cancel my pmi insurance I called green tree and told them that I would like to stop pmi till this date they still have n't cancelled my pmi I have called them many times sent a letter stating to cancel pmi had my home reappraised still nothing I am paying XXXX a month for this if you could help that would be great

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I have a mortgage with Green Tree Servicing LLC. 
In XX/XX/XXXX my house was going to be foreclosed. I was told that I needed to raise {$62000.00} to keep it. I had to sell everything I had and borrow money from friends and relatives to get that money. I was told this was going to cover everything, including attorneys fees, late fees, escrow negative balance, taxes and everything else. After I sent in the payment, they raised my mortgage payment from {$810.00} to over {$1500.00}. I was told it was raised due to escrow. I asked them why was I being charged for escrow when I had paid for it. They responded that the {$62000.00} all went to interest and there was not enough money to cover escrow. 
XX/XX/XXXX I received I letter stating that I had paid {$40000.00} in interest. I called Green Tree and asked where were the other {$22000.00} I paid in XXXX, also where did the other XXXX payments of {$1500.00} during the year of XX/XX/XXXX go to. I never received a clear response. I hired an attorney and they sent us an incomprehensible statement which did not add up to all the monies paid. We asked detailed information that stated exactly how much went to interests, how much went to fees, how much went to the principle etc. Their response was that they did not have that information available for us and that was it. My concern and plea for your help is to find out where that money went to and also why did they lie to me about the escrow. Why am I now paying over {$1500.00} a month on a mortgage that is {$90000.00}. Now I am again behind on my payments and again with the threat of loosing my house. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
Commonwealth Financial Systems, a third party alleged debt collector failed to send my " Mini-Mirandi '' rights before placing this alleged debt on my credit report, in which I asked for validation and informing them about the " Mini-Mirandi '' rights. They did n't respond, so I contacted the XXXX and Commonwealth Financial Systems stated to the XXXX they would immediately remove it by notifying the XXXX credit bureaus ( XXXX, XXXX, & XXXX ), in which they made this statement to the XXXX on XXXX ocassions ( XX/XX/2015 & XX/XX/2015 ) to no avail. 

Then on all XXXX credit bureaus this item is still on there to this day XXXX XXXX, 2015 with a little trickery on blocking out certain numbers, but get this, it 's the same account and even shows it 's pass the 7 year " Statue of Limitations '' for removal from all XXXX bureaus. They are arrogantly breaking the in regards to FDCPA, FCRA, and defamation of character. 

Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I was in XXXX ( for something that happened during an acknowledged XXXX ) and my son was taken to the doctors months into my XXXX. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Commonwealth Financial Systems, Inc on behalf of XXXX XXXX XXXX is trying to collect an invalid debt. They have been notified and a fraud affidavit provided, but still reported to credit bureaus. This account was removed from my credit reports after previous complaints about other debt collectors ( XXXX, XXXX XXXX ) hired by XXXX. They keep shifting to different collection firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: TN

Complaint narrative:
I was in the midst of a divorce and living with a gentleman in Oregon around XXXX. When I left, in XXXX, there was a debt to the XXXX where we lived, but the man with whom I had been living had made arrangements with the XXXX XXXX to remove my name from the account as well as pay the outstanding balance. The balance was much lower than Professional Credit Services ( PCS ) are claiming and was paid in full. 

I was still going by my married name at the time, and it changed only after the divorce finalized just before I moved away from OR. The name on the notice from PCS was my old married name XXXX sort of, they did n't get the entire name completely correct ), not the legal name I have currently. 

That was in XXXX. The first notice I received from PCS was towards the end of XXXX which would put the the debt at over 6 years, which is past the statute of limitations in Oregon. I have written them, and told them that I no longer owe a debt to the XXXX XXXX and that it is past the statute of limitations. I gave them minimal information, and told them to no longer contact me or I would report them. 

I received a second noticed from them in the mail on XXXX XXXX, XXXX 'offering help to pay my debt '. There is even less information in this notice than in the previous notice ( other than various account numbers XXXX. They do not seem to accept personal checks, only credit cards XXXX which I find suspicious ), and they did not heed my request to do further research into the debt they were trying to collect to find that it had been paid off. 

I received the first notice a month XXXX after I was remarried. I find it rather interesting that they suddenly found me after 6 years only after I had married and registered my name in various places by changing drivers licenses over, etc. 

I have lived in XXXX other states since OR, and am finally settled in a third with my husband. It is here they seemed to have found me. 

My complaint is that they are trying to collect on a debt that does n't exist and they are doing it 7 years later. Even if the debt still existed, they would be past the statute of limitations and, unless I am mistaken, this is illegal. 

I am keeping the promise I made to them when I first replied to their notice by reporting them in hopes that they will STOP trying to collect from me and others that do NOT OWE MONEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Upon checking my credit reports this evening, I discovered XXXX fake collections accounts with random amounts assigned to Commonwealth Financial Systems. 

The first is for {$610.00} and the second is for {$53.00} I do not owe any medical bills and am more than ready to sue Commonwealth financial, as this is damaging my perfect credit! 

I recognize their name, as they previously attempted to place fraudulent charges on my wife 's credit report several months back, too. Those were removed of course, because they are FAKE. 

The only time in the last ten years that I have been to the XXXX 2010. Those charges were paid years ago by the XXXX insurance company, as per our attorney, XXXX in XXXX, NV. There are no outstanding medical bills under my name. 

Commonwealth Financial pulls this same scam on thousands of people and I want these fake charges removed immediately, or I am more than happy to rise to the occasion and file a lawsuit for damages!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Arapahoe Motors
State: CO

Complaint narrative:
On XXXX XXXX 2016, we visited the Schomp Honda dealership at XXXX XXXX XXXX XXXX in XXXX XXXX CO. The purpose of this visit was to fulfill an obligation for a vehicle inspection on a lease that was terminating XXXX/XXXX/2016. Honda been contacting my wife and I several times a day to schedule a time for this and to advise us on what our options were since the lease was ending. 

Once at the dealership, we met with Client Advisor XXXX XXXX ( XXXXXXXXXXXX ; XXXX ). While our current CRV was being inspected, XXXX had us test drive a new CRV. After the test drive, we decided to enter into a new lease with Honda. However, since we still had 30 days left on our lease, we did not want to end up with 2 payments, XXXX advised that either Schomp or XXXX would take care of our final lease payment. He also advised that even though we exceeded the mileage allowance on our lease, there would be no extra charge since we are entering into a new Honda lease. 

However, after leaving Schomp with a new lease and CRV, we received a letter from Honda dated XXXX XXXX, 2016, stating we owed {$700.00}. Of this amount {$400.00} was for excess mileage and {$260.00} was for the final payment on the old lease. This letter was in direct contradiction with what XXXX had informed us. Naturally we called XXXX and explained the situation, XXXX advised he was mistaken and asked my wife to meet him to change the terms of the lease. She advised that was not an option and indicated we would return the vehicle if they could not honor what we were told. XXXX advised he would speak with his manager. 

On XXXX XXXX, 2016 we spoke again and this time he stated the department that handles payments to XXXX XXXX was closed and that he would take care of it. 

On XXXX XXXX, we left a message for General Manager XXXX XXXX ( XXXXXXXXXXXX ; XXXX ) but did not receive a return call. 

On XXXX XXXX 2016, XXXX left us a voicemail stating they would take care of the final payment and excess mileage amount. 

On XXXX XXXX 2016, we contacted XXXX XXXX XXXX to verify the balance has been cleared. XXXX XXXX XXXX confirmed the outstanding balance of {$260.00} was still owed and is now 4 days past due. This is extremely disappointing as well as alarming as our credit history is now at stake. Schomp Honda 's failure to act quickly has directly led to borrower harm. We are now forced to rely on regulatory agencys to help move Schomp to action. We are requesting the final payment be cleared as was agreed by both parties on XXXX XXXX and confirmed XXXX XXXX. In addition, we are requesting written correspondonce from Schomp Honda that this has been resovled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: I.C. System, Inc.
State: MD

Complaint narrative:
always lived with parents never had my own place to have cable

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 2016-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
A company called Commonwealth XXXX called me and told me they were going to serve me court papers and place a lean on my vehicle. I explained I do n't have any debt and do n't owe anything. They hung up on me. I called back and asked them not to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
My complaint mirrors the other XXXX complaints registered on this website. My loan was sold to Seterus, Inc. to service XX/XX/2015.XXXX XXXX. Seterus changed my 30 years fix rate and is trying to charge me a higher monthly payment even though my account is up to date and I have paid over the right amount for 8 years. Now Seterus has damage my credit history as placing me as a delinquent payment and Seterus is initiating a foreclosure in my property. 
I need help I do n't know what to do, I ca n't understand how come after all the fraud the banks and mortgage companies did which cost the economy of the world and nobody is doing anything to stop them? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I was a student at XXXX University and placed my education on hold due to XXXX parent illness. The school was notified and information was shared of the situation where a leave of absence would be required. 
However, the school did not update my status and blocked me from returning when I tried to complete the degree. In addition, The school stated the returned funds to the department of education which has not been founded. Therefore, since this was a statement they applied they charged my account for monies in which they stated that was returned. In addition they have blocked me from receiving my transcripts to continue education elsewhere. 

now they are attacking my credit report with a falsified bill of service that never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: GA

Complaint narrative:
This company repeatedly calls me at work. and they leave a message on my work phone that it is about a debt. My voicemail clearly states the number is for a company. It is not my personal phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I do not owe Bank of The West any money and I did not settle any debts for less than the amount owed.

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 2016-12-01 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: AFNI INC.
State: FL

Complaint narrative:
In summer of 2011, I canceled an XXXX cell phone account because I had zero coverage in the community I was living in. On several occasions, I contacted XXXX using friends ' phones to troubleshoot the issues. Each time, no fix solution could be found. XXXX placed many test calls to my number while I was home and all calls went directly to voicemail as my phone never rang. I paid the final bill and requested the account closed due to no home coverage which was fully verified. Years later, I 'm finding out I 'm in collections. Every month of every year, Afni , Inc keeps renewing the collection account on my credit reports. I contacted them before for the validity of the debt but my attempts were always unsuccessful for they would never respond or comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions banking officials denied my loan request based on age, gender and race. 
My full explanation has been forwarded,

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 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AFNI INC.
State: RI

Complaint narrative:
Open my account at XXXX years old, at the time I was young and dumb service rep stop me to have me open up a phone line. He never asked for my ID just my social. He said I was approved for XXXX lines I got caught up on his pusuation so I took the offer. I felt behind on payments because I was just a new dad so I could n't pay. I 've made several calls to let them know and they did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Worst bank I have ever dealt with. XXXX XXXX ( of regions mortgage loans in XXXX, Ga ) and his team had over a month and half to get my loan closed, but slacked and for some reason had to push the closing date yet again for a week. Leaving me to pay penalty costs for THEIR mistake. I was told XXXX different closing numbers, my phone calls were never answered and my emails were never responded to until days later. They did not try hard at all to get things done and all I have gotten were excuses to cover up their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I am a former customer of Bank of the West ( FDIC # XXXX ), who spent much of XXXX and XXXX attempting to close my personal checking account. I initiated phone communication with Bank of the West on XXXX XXXX, when my bank was in good balance, and was immediately thrust into a bureaucratic nightmare. When I called the XXXX number, I was informed that I had to speak with the branch at which I opened the account. As I have moved away from XXXX XXXX, where the account was opened, I found myself with no recourse but telephonic communication. 

I attempted to call the branch at which I opened the account, and was put off, despite multiple tries, by the manager 's unavailability. Each time, I was promised a return phone call. No call was ever forthcoming. 

The account was in good balance until XXXX XXXX, at which it became overdrawn. I promptly deposited {$30.00} into the account, with the intent of establishing a positive balance, but was immediately swamped with overdraft charges. Simultaneously, a previously scheduled XXXX charge XXXX XXXX/XXXX/15 XXXX went through on the account, despite my attempts to get XXXX to remove the charge. Still, I believed this would be fine, as I had deposited enough money in the account to cover the charge. What I did not realize is that Bank of the West 's egregious grift had all ready eaten in the money that I had deposited. 

While this was happening, I was still making attempts to contact Bank of the West at their XXXX number and at the branch where I had opened the account. There was no traction with the XXXX number, as they insisted I need to speak with the branch as the balance was negative. I found myself caught in a XXXX -- I could n't close the account because the account had a negative balance, to which bank of the west was adding incurred fees each day. The local branch, meanwhile, did not return any attempts at communication. The manager was always " out to lunch. " With XXXX exception, ( a {$0.00} XXXX charge on XXXX/XXXX/15, again unexpected ), the account underwent no use, yet it continued to accrue daily overdraft charges until the XXXX of XXXX, when Bank of the West closed the account and referred it to a collections agency. 

It is my fear that my experience has become a standard business practice of Bank of the West, whereby both the unexpressed and expressed desire of the institution is to refuse the closure of accounts for financial gain, with the threat of ruin to any customer unwilling to participate in its usurious scheme. 

This unscrupulous practice of exploitation and abuse of Bank of the West 's customers must neither be tolerated nor sanctioned by its governing bodies and insurers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: CA

Complaint narrative:
I received a copy of my credit report this morning and noticed that your AFNI XXXX reporting information about me, which have zero knowledge about. I have received no form of written notice nor have I received any phone calls. The fact I have not received any communication before inserting the alleged " debt '' onto my credit report is a violation of The Fair Debt Collections Practices act FDCPA, which does entitle me to {$1000.00} per violation plus attorney fees. 

Please see attached affidavit.

Company response to consumer: Closed with explanation