vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a member of Regions bank 20 plus years. I have spoken well of this bank and encouraged others to join. On XXXX XXXX 2015, my checking account was debited for XXXX. Again on XXXX XXXX XXXX. My father 's name is on my account, because his checking account was 30 days overdrawn, Regions assumed I wanted to be responsible for his debit. Regions did not RESPECT me enough, to notify me in a timely manner, the decision they were making on my behalf. I have over draft protection. Payment was needed to pay on the balance. Regions notified my father through mail. My father contact me. Payment was made, and I continue to make payments on MY debit. Regions SHOULD have shown me the same respect, when it came to my father 's account!!! Regions refuse to refund the total amount citing policy. " When someone has an account with another person, and their account is in collections, we reserve the right to get the funds. '' This is an UnFAIR policy. Making one adult be responsible for another adult 's bad money management. I feel this policy needs to be changed. I am owed RESPECT for being a loyal customer. If this is how Regions treat their loyal customers, I feel it is time to part ways. Word of mouth goes a long way!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
i received a cold call from a company called XXXX on XX/XX/2016 claiming they could help make my website better for XXXX.when i found out i was being defrauded i turned to my visa card for help.i explained to them that i received no service from this i was told i waited to long.i thought visa could still help me when i was not rendered any service.

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
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently check my Transunion report and it shows an unauthorized Credit Inquiry made from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 

While checking my personal credit report, which I acquired from [ Transunion ] noticed an inquiry made by the company on XX/XX/2017 I did not authorized anyone employed by the company to make an inquiry and view my credit report. it have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 30 ) business daysso that I can verify its validity

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 2016-08-29 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: HI

Complaint narrative:
Collection agency named " Commonwealth Financial Systems, Inc. '' Located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, are also owners of " Northeast Credit and Collections '' which are switching Debt information back and forth to XXXX, XXXX after each challenged dispute, re-attaching the debt as new each time, making it impossible to remove from the Credit Report. 

After it was disputed many of times This company had re-attached it once again. I have letters, forms, that prove this. 

And this also is not the first time this company has done this. 

XXXX has record of wrong-doing by this company as well. 

What forms will I need to resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
Insufficient effort was made to notify me of my debt. As a result, I did not receive notice of my right to dispute the debt, which is required by law. The first communication I received regarding the debt was a notice of license suspension received from a tenant at a very old address who tracked me down ( apparently they are better at skip-tracing than MCSI ). 

The phone number that was used to attempt to contact has not belonged to me for over a decade. No further attempts, that I am aware of, were made. 

When I called to request this information be forwarded to my correct address withing five business days, my request was refused. 

Please see the attached document for a record of the notification ( Dated XXXX/XXXX/16 ) mailed to outdated address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays daye : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICES , LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 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: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
i was contact by debt recovery solution on behalf of XXXX, about a bill that i owed them, i immediately contact XXXX because they used to be my carrier, when i called them i was told by XXXX to file a complain to you.i want that to be clear from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: FL

Complaint narrative:
This is not and never was my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I never recieved any information about this debt, but its reporting on my credit report as late and closed. Its hurting my creditworthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15 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: NJ

Complaint narrative:
Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX. 
I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 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: OH

Complaint narrative:
Commonwealth Financial Systems has placed an item on all XXXX of my credit bureaus that was proven to a previous collection agency as fraudulent. I have contacted this collection agency several times and they will not return telephone calls or mailings, but also refuse to remove the item from my credit reports. 

The item in question is from a hospital bill in XXXX XXXX that took place by a person using information from my stolen wallet. The original debt is from XXXX XXXX XXXX Hospital, and I have a statement XXXX XXXX XXXX XXXX Hospital detailing that their investigation resulted in my being free and clear from further collection attempts because they found the incident to be a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditors' Protection Service, Inc.
State: IL

Complaint narrative:
collection agency refusal to provide validation of debt as requested. 
provider contracted to accept insurance as full payment. Not willing to wait for payment from state insurance provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
This is the second time I 've submitted a complaint about ditech ( re complaint numberXXXXXXXX ). I could n't find a way to say that ditech 's response was n't clear. Maybe I was too late. 
On XXXX XXXX, XXXX I received XXXX pages ( cover 'em up XXXX ) attempting to justify ditech 's saying I owed a bogus debt which I did n't owe. 
I 'm sending scans of communications I 've had with XXXX, Green Tree and ditech. Here is a list of what is included : 1_Letter from XXXX dated XXXX, XXXX page 2_Letter from XXXX dated XXXX, XXXX page 3_Letter from XXXX dated XXXX 4_Letter from XXXX dated XXXX 5_Letter from XXXX dated XXXX, XXXX page 6_Letter from XXXX dated XXXX, XXXX page 7_My Escrow Waiver Included in the Original Contract 8_XXXX page of Green Tree 's Spread Sheet 9_Statement from GT dated " due XXXX '' 10_Statement with pay reversal 11_Statement " due XXXX '' 12_Statement from ditech for XXXX XXXX Compare the date of XXXX/XXXX/XXXX on my letter from XXXX ( number XXXX above ) with Green Tree 's spread sheet ( number XXXX above ). Note the letter from XXXX dated XXXX/XXXX/XXXX ( number XXXX above ). I 've included my waiver for escrow ( number XXXX above ) -- I 've never had an escrow account. 
I was never late with my standard payment on the mortgage or for taxes and homeowner 's insurance. 
I never got an XXXX statement from ditech. I had to call ditech for the address which address to which I should send the payment -- It was the same address as Green Tree 's. 
In spite of XXXX letters, XXXX from me and XXXX from my then attorney, ditech still addressed their communications to my attorney 's office and I got them past the due date, the first of the month. 
Statement from ditech ( number XXXX above ) ... has pay reversal but still has the bogus debt named " XXXX XXXX XXXX. '' I received XXXX more statements for the first of XXXX, XXXX, and the first of XXXX, XXXX, which I did n't pay because my new mortgage was in process. I do have a new mortgage with my credit union. 
It cost me nearly {$5000.00} to get a new mortgage, including attorney 's fees, which I could n't afford.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: United Debt Holdings, LLC
State: OH

Complaint narrative:
I took out a loan through XXXX last XX/XX/XXXX. I have been contacted by a law firm in Texas called XXXX XXXX XXXX XXXX XXXX, saying that I owe {$700.00}. I live in Ohio and this company is in Texas. I contacted XXXX, and my debt was sold to United Debt Holdings ... and the debt was for {$500.00}, verified by XXXX, and UDH. United Debt Holdings told me that they sold it on XXXX XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of Georgia. None of this makes sense since I am in Ohio. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My husband (at the time) was away XXXX for a year, in XX/XX/XXXX-XX/XX/XXXX, decided to leave his family when he returned then filed bankruptcy in XX/XX/XXXX and the mortgage was my responsibility. I attempted for a year to get a loan modification with Greentree Mortgage, I was told to fax my information at least XXXX times, which I did,  they were behind in the servicing department. I called in XX/XX/XXXX to try to put the debt of my 1 year of mortgage payments onto the end of my loan and start paying each month in XX/XX/XXXX, to which I was told I would need to pay the balance of over $10K, obviously which I did not have. I spoke to a representative in VA Loans Department and was told she would get this resolved for me, i never heard from her again, I left several messages for about a month, faxed my information as requested, again. By the time XX/XX/XXXX came around, I was asked to fax my information again and instead I was able to get an apartment and move, I have XXXX kids that I had to move instead of being thrown out due to a foreclosure. The house remained vacant, I never received any letters about my house going into foreclosure, just statements saying balances that are owed and late payments, a letter from Greentrees attorney stating they will sue me for the remaining mortgage amount owed of over $180K. I attempted a Short Sale that fell through, nothing came of it since we needed so much work on the house and the amount we were selling for was way overpriced for the house. My house was ransacked XX/XX/XXXX, and all of our valuables, were stolen. We called the police and filed a report. After an investigation by our local police department, we found that Greentree sent in a Clean Up crew to winterize the house, change the locks, and cut the grass (which they only did half of the front yard) we had about $15K in valuables and personal property stolen. Filed a claim with our homeowners insurance and we need receipts for valuables that over 10 -20 years old, we do not have receipts! We got in touch with the clean up crew and they denied taking anything, yet all of our neighbors saw them emptying our home, and luckily took down their license plate number. Greentree denied sending them in, the clean up crew blamed Greentree. All of this going on and to date I still have not received a Foreclosure Notice. I was forced by this situation to file bankruptcy to resolve this mess. I  have proof of all of my attempts to file a loan mod available by date as I was faxing this information, names of the reps, phone numbers and departments they work in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Green Tree was my XXXX loan and they took over my loan from XXXX XXXX. I found myself in a serious financial situation where I could n't afford to pay my loan any longer. I tried to short sell my condo twice. the last attempt failed because Green Tree demanded I bring additional money to closing to pay them and sign a paper that basically said I would still pay them the total loan amount. The XXXX loan bank got angry and said Green Tree 's terms were not legal so the short sell fell through twice. 
While all this was going on, Green Tree illegally obtained phone numbers for All my previous employers and for a handful of my family members. Green Tree called them every day, all day long from XXXX to very XXXX. They told people they were looking for me because I owed them money. They told them to tell me I had better pay them. Green Tree also asked everyone if they thought it was right that I was n't paying them. 
The phone calls greatly affected my life. I would receive phone calls from family members and previous employers telling me I had better get my stuff figured out so Green Tree will stop calling them. I almost lost my job because the phone calls at my work would n't stop. I made several calls to Green Tree asking them to stop but they never did. I had to file chapter XXXX and get a lawyer. Even with the right paperwork filed, Green Tree did n't stop. 

It is now several years later and Green Tree has been pulling my credit about every 4 months. I sent them a letter asking them to stop and they sent a letter back saying they had a right to pull my credit if they wanted to. 
Green Tree has put me through XXXX and made a huge spectacle of my financial situation. Just because I owe someone money does not give them the right to be abusive, curse at me, inform anyone that ever knew me, they feel I 'm a dead beat who owes them money and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I was sold to Green Tree XX/XX/XXXX, and its been a nighmare they say I 'm behind in my payments. Green Tree says I missed XXXX payment XXXX I made that payment and I have proof from my bank account and from XXXX XXXX statement I requested. So every month Green Tree says I 'm late they call all the time and threaten me. Ive sent Green Tree my bank account statements and a years worth of payment history from my old mtg ( XXXX XXXX XXXX. Which shows Im up to date on payments. Now they are sending out strange people to take pictures of my house and tape notes to my door, I called the number they give me and its disconnected. so I call a different number and the lady says they sent a sight inspector to check on my house. They call everyday and ask if I want to keep my house. I tell them I made all my payments and have proof but they wont accept it. So they are saying I 'm over 30 days late, BUT I AM NOT. They are messing up my payment credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: PDQ Services, Inc.
State: GA

Complaint narrative:
I purchased an alarm system that was struck by lighting the DAY After installation and therefore never worked. The company wanted me to pay {$200.00} for the repair and I refused. They listed my amount owed as {$880.00} ( the entire contract amount ) and reported me to collections. I wanted to clear my credit and therefore made a written agreement to pay this amount in its entirety if all notations were removed from my credit bureaus. They agreed ( in writing ) and the money was paid. They have not removed the negative notations from the credit bureaus as agreed. It appears on both XXXX and XXXX yet they took my money!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief