vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC
State: CA

Complaint narrative:
My name is  XXXX   XXXX .  Nelson, Cruz & Associates  debt they claim I owe, but I have been unsuccessful trying toget a proof of their claim.     Please find below a copy of the letter I 've sent them :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX ,   XXXX    Nelson, Cruz & Associates  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  Filed Dispute to  XXXX   XXXX   XXXX   Nelson, Cruz and  Associates In regards to my previous conversation with your company regarding : File No :  XXXX  Debtor Id :  XXXX  Client :  XXXX   XXXX   XXXX  Creditor :  XXXX  Current Balance : {$7000.00} Client Claim :  XXXX  Reference to your pdf email  XXXX ,  XXXX    XXXX  .     I did not agree to any such paymentnor authorize you or any company you represent for a payment of {$2000.00}. Your request seemfurnished anddeceptive. And I do perceive your business practices as unfair.   Your business practices is aggressive andviolated federal law.   Im hereby asking you again for PROOF of your claim.   Additionally, I have found grounds to conclude that your company is misrepresenting itself and making up threatening actions that are illegal. None of these practices are lawful.   Validation of debts and Fair Debt Collection Practices Act You did mentioned the validations of your claim by anexecutive order and that  XXXX  was under auditboth documents asreasons you claim validates your claim.   I asked you for both documents which you have refused to address.   None of these intentional frequency and persistence of noncompliance practices by companycomplies  XXXX   XXXX   XXXX  Practices  XXXX  by federal trade commission in reference to you letter dated  XXXX ,  XXXX    XXXX  .   In this regards I am hereby asking your company or the company you claim you represent to once againadresse myprevious request.   Please send me a documented PROOF of your claim.   Acquisition of location information Your Company Email letter heading is confusing and in regards to this I also want to know if your company i s Nelson, Cruz and Associatesor  XXXX    XXXX     XXXX or both?     Thank you,  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
SPS Mortgage servicing is inaccurately reporting payment information to the credit bureau. No payments prior to  XXXX   XXXX  should be reported for this account. The account was transferred from  XXXX   XXXX  in  XXXX  of  XXXX . All payments prior to  XXXX  of  XXXX  were made to  XXXX   XXXX  and are being reported by  XXXX  causing duplicate payment history and the credit bureaus double counting late payments when calculating  the credit score ca using the score to be lower by  XXXX  basis points. I have contacted SPS regarding this issue and filed disputes with the credit bureau and the information is not corrected.     Original complaint  XXXX  was filed last year. SPS corrected my credit reporting for all  XXXX  credit bureaus and   XXXX   for my husband. When I contacted  SPS  to indicate  XXXX  of the  XXXX  credit bureaus were not fixed for my husband, they then reverted my husband 's   XXXX   report back to the incorrect reporting and then started reporting his account under my son 's credit reporting  ( so n is a  XXXX   ). W hen I contacted them about this, they fixed the incorrect reporting on my son but never the incorrect reporting for my husband. I have been contacting them almost every month to get this resolved but they keep telling me either it is being reported ok or they have to place the account back in a dispute status to fix it which lowers o ur credit score   XXXX  to  XXXX  basis points. Each time they say it will take between 30 to 90 days to fix it. Should this not have been fixed within 90 days of the original dispute filed back in  XXXX  of  XXXX . The inaccurate reporting is causing my husband 's  credit score  to be lower by  XXXX  basis points. We know this because when   XXXX   was temporarily fixed the score went up by that amount. He wants to purchase a new car but wants his credit to be accurately reflected before it is pulled.     I have b een trying to get SPS t o fix the inaccurate reporting for almost nine months. They have promised to call back and never do. They say they have to place the account in a dispute status which I do not understand when this information was already disputed, they sent me a letter stating it would be fixed, and they partially fixed it. I also do not understand how  XXXX  and  XXXX  can low er my credit score  by  XXXX  basis points as soon as the account is put into a 'dispute ' status.  XXXX  lowers by  XXXX  basis points. If I am disputing inaccruate information on my credit report, why am I being penalized. And when the account is put into dispute it is put into dispute for both my husband and myself which affects both our individual credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I was making my mortgage on time and then a person called me on my phone from  XXXX  they told me not to pay the bank so i make payments to them each month a total of {$6000.00}. Then they told me I did not qualify because I was working off the books on my job. Then I started working with the  XXXX  and now I am a  XXXX   XXXX  for about 3 years now.   First my loan was with  XXXX   XXXX , then  XXXX   XXXX   XXXX , then  XXXX  and now Seterus.     Each bank I send all papers all paystubs everything they want.   Then I receive a letter from Seterus saying I could not get the modification because I did not give them the initial payment. They never sent me anything about the trial payments. Please help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I applied for a jumbo mortgage  with Wells Fargo to refinan ce a first mortgage on an apartment located in  XXXX  jointly owned by me and my domestic partner.   After a lengthy and inquisitive proc ess, Wells Fargo app roved the loan and send us a commitment lette r. ( atta ched ) In the meantime, I had filed a refi application with another bank and was approved very quickly, with better terms than the one offered  by Wells. So I told Wells that  we would not close the loan with them, which I had every right to do since I had not signed the commitment letter accepting the loan.     We than both received what I would call a retaliation letter, stating that the bank had rejected our applicatio n ( the ver y same that I had accepted earlier ) and enumerating a lot of vague arguments and phony reason s ( payments incident, bad credit score etc ... ) to justif y the rejection. They knew perfectly well that those were pure fabricated falsehoods, since they had all our financial background in the initial application.     I am very concerned that the disparaging comments about our finances  ( wh ich we can prove are a pure lie and fabrication ) will somehow be leaked to other financial institution or used for scoring purposes. What if I ever apply for another loan that asks whether you have been previously rejected? How am I going to answer that question?      Bottomline is that WELLS FARGO, which has already been haunted by numerous scandals, is simply trying to retaliate by tarnishing with falsehoods my financial reputation Thank you for your help, I hope Wells wo n't be allo wed to continue spreading deliberately false information to retaliate against clients

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: SC

Complaint narrative:
This complaint is against the company  " JH Portfolio Debt ''.      Currently, they are reporting that I owe them a total of {$430.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. They constantly call to harass me and my family demanding payment but I have no knowledge of why they even want this money from me. They have not provided me with any supporting documents to back up their claims.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, this is the account numbe r I fo und from a recent report : "  XXXX  ''. My report indicates that the account has an " open date '' of  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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
T he Company has  people call me from  XXXX , the  XXXX  saying my property is going into foreclosure.   They call in the middle of my work day, ca n't understand them then they say the have n't received payment.   I have been in good standing since  XXXX     2012!    Have not missed a payment, still trying to sleep at night.   This is my custom built farmhouse. Still working on my credit.   I believe it 's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
45 days past and have not heard from equifax concerning inquiries i have certified mail receipt confirmation i have inquires i do not recognize and did not apply for i have asked for a signed contract with signature for these inquires and no response i called an rep name  XXXX  stated they do not remove inquiries Inquires below   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I spoke with a rep this morning @ commentity bank. I tried to tell her i had lost my job but can start making low monthly pmts since I am only making minimum wage. She said no they wont take anything lower then {$200.00} and then threatend me by saying I hope you have a lawyer because were going to sue you. I started to cry because I am young and nearly homeless but am trying to pay back what I owe. I told her i was driving so can she call me @ later time so we can talk about this. She said " nope '' and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: GA

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I became a victim of identity theft when NetSpend Corporation sent my new prepaid card to an address in  XXXX , Florida although I reside in  XXXX , Georgia. The unauthorized charges totaled {$310.00}. On  XXXX   XXXX ,   XXXX   I used my NetSpend card to purchase a computer and software from  XXXX   XXXX   XXXX  in the amounts of {$2800.00}, {$190.00} and {$160.00}. On  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX  refunded me amounts of {$2800.00}, {$160.00} and {$9.00} ; the refund was charged back to my NetSpend card I used to purchase the computer and software. Note : All charges to my NetSpend card/account are text directly to my cell phone. On  XXXX   XXXX ,   XXXX   I received a text from NetSpend indicating that my account was closed with a balance of {$3400.00}. The {$3400.00} balanced included my refund from  XXXX   XXXX   XXXX . As of today,  XXXX   XXXX ,   XXXX   I have not received correspondence from NetSpend regarding what happened to my funds ( {$3400.00}  ) ;  if correspondence was sent then hopefully it was not emailed to the identity thief. I have check all of my credit reports and only NetSpend account was compromise. I also filed a complaint with the Federal Trade Commission. I will appreciate it if the CFPB can assist me in my attempt to recover my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and Equifax report that I did not authorize and had no knowledge of. I contacted Transunion and Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.       XXXX   :     1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.    XXXX    XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX   XXXX   XXXX   Equifax 1.  XXXX   XXXX   XXXX   XXXX  2. XXXX   XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   8.   XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
On  XXXX   XXXX ,  2017, I d id n't have cash to pay a toll. The attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,   XXXX  , I wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017,  I got notification it cleared my bank.     On  XXXX   XXXX ,  2017, I  did n't have enough cash to pay another toll. I paid {$0.00} in cash and the attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,  2017, I  wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to the  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017, I go t notification it cleared my bank.     Then, on  XXXX   XXXX ,  2017, I received  a letter from  Focused Recovery Solutions , Inc.   XXXX    XXXX     XXXX ,  XXXX   XXXX ,  XXXX , VA  XXXX  indicating that my account has been placed with them for collection action. In addition to the {$0.00}, they are including an administrative fee of {$25.00} if not paid within 30 days.     On  XXXX   XXXX ,    2017, I  called both the collection agency as well as the vender,  XXXX , to try and resolve this. They have n't pulled it from collections pending verification of these payments.     This appears to be a shady business practice as both checks were cashed or deposited by the vendor in the month of  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 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Empowerment Ventures, LLC
State: WA

Complaint narrative:
I was aware that m y card ha d an expiration date  of  X/2017  .. . and I have not received a new card yet. So I used this current  card be lieving it would still be active until the end of  XXXX . When my purchase was declined, I went t o the Rus hcard site to view my account. I saw that on  X/XX/2017    ( same day  ) m y government  XXXX  benefits had posted. Due to having trouble in the past with Rushcard ( not receiving money due ), I did research and saw that there were many complaints against Rushcard, so on  XX/XX/XXXX , I went to the Social Securi ty office an d told them that I did not trust this company and wanted my direct deposits stopped. Due to it being so late in the month, they could n ot stop the p ayment for  XXXX , but as of  XXXX , no further deposits will be made to my Rushcard account. I was t old by the re presentative who served me that if I have any problems with my  XXXX  deposit with this financial institution to report it to  Social Security Administration. As  I had feared, I have fallen victim to Rushcard 's scam. When I go online to their site, I see my funds were posted but they are not posted  to the card that expires at the  end of this month. They are posted onto a n ew card ( that does not s how full acct number but does show hte same ending of  XXXX   as the soon to expire card ). It ha s a button to click that says activate, but, when asked fo r the security digits on the back of card ... the number from my current card do es not work ( of course ), and I have  no new card that has been sent to me. The site  does not allow me to  update my address ( I have moved ), and no forwarded mail from Rushcard. The site will not allow me to do anything, as it is showing the funds are on an unactivated card. When I call the numbers provided ( including the  headquarters in  XXXX   ), I  am unable to get anyon e on the phone to  answer my questions. Neither was I able to transfer my funds to anothe r card member ( with is  an option ) ... or do bill pay. I am on  XXXX  and depending on my benefits to pay bills. I am afraid that if Social Security can not send another check, then I may become homeless again. I can not ac tivate a card that  I do not have, neither speak to any representative. I am certain I have been scammed and funds being held. When I c all the headquarters phone number, a voice recording comes on and says this card can  not be activated. Please help me if you can. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
Th e Educational Credit Management Co. ( ECMC ) is ha rassing me to pay a debt for a closed school I neither attended nor signed a loan agreement to attend and denied my request for a loan discharge in  accordance with procedures specified in paragraph ( d ) ( 6 ) ( i ) of 34 CFR 682.402 section A : ( d ) Closed School ( 6 ) Guaranty Agency Responsibilities  ( i ) Procedures applicable if a school closed on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX .     ( A ) If a borrower received a loan for attendance at a school with a closure date on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX , the loan  may be discharged i n accordance with the procedures specified in  paragraph ( d ) ( 6 ) ( i )  of this section.     ECMC confiscated my  XXXX  tax refund without a MPN on file and is aware the  XXXX   XXXX   XXXX   XXXX  has closed for recruiting violations in  XXXX  but is still attempting to collect my  XXXX  refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I am in desperate need of assistance. I submitted a modification packet t o Nationstar howe ver they are refusing to review my modification packet. I have tried to work with them and have provided all documents needed to be evaluate for a new work out option. In the previous complaint I submit trough the CFPB agains t Nationstar wa s because they were not using 100 % of my income therefore I got denied because I was deficit. I am making {$5400.00} per month and my monthly expenses are {$3900.00}. These expenses include my current mortgage payment. I have even email my application to a supervisor and still no responds. I do not want to lose my house is all I have. Please help me I am in desperate need of assistance.

Company response to consumer: Closed with explanation