vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-21 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: LA

Complaint narrative:
XX/XX/2012 I was in an ATV accident and went to XXXX XXXX XXXX hospital XXXX in XXXX, XXXX. After returning home almost a year later I was contacted by a collection agency that said I owed money for my medical bills. I have XXXX XXXX XXXX XXXX health insurance. The amount of one of the debts is {$690.00} and the other is {$540.00} and the collection agency said that I owed the money to XXXX which was not part of XXXX XXXX XXXX hospital. Upon finding out this information I called my health insurance agency and had a three way conversation with the collection agency and my health insurance representative, which stated that the bill was " not reported in a timely manor and the contract that XXXX has with the providers states that if the bill is not reported in a timely manor that the patient is not responsible for the bill. '' The collection agency ( commonwealth financial based out of XXXX, XXXX ) stated that they would resolve the situation and then transferred my XXXX XXXX representative to XXXX at which time the XXXX representative stated that the XXXX representative was correct and the debt would be expunged. Since then I have been contacted twice from common wealth financial trying to collect the debt and have went through the process both times again. I have just recently went to get a mortgage loan to find on my credit report that the Common wealth financial is still reporting that I have not paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I received a letter dated XXXX/XXXX/XXXX for " XXXX XXXX '' in the amount of {$870.00}. This debt is not mine, I never enrolled into this college. I filed a claim with the CFPB XXXX in XXXX and received this response from Ability Recovery for this account : " I have requested that the XXXX XXXX account be removed from your credit report and I have accordingly closed the account here at Ability Recovery Services. If you need anything further please feel free to contact me at XXXX XXXX. Thank You XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pending Company Match
State: NJ

Complaint narrative:
My name is XXXX XXXX. My credit report states I have a charge of {$420.00} from Commonwealth Financial system. ( CFSI Acct # : XXXX ). On XXXX/XXXX/2015 I contacted them. I called XXXX XXXX XXXX ext XXXX. They could n't figure out where this charge came from. They said to contact XXXX XXXX XXXX at XXXX. They could n't figure out where the charge came either. They even searched my social security. They asked me to try Integrity at XXXX to see if they can help. 
Nobody can find it. Can you help me figure out how to get this removed from my credit report. Thank you for taking the time to help me figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
This is my second complaint against this collection company. The response from the first complaint was totally false and inaccurate. To follow proper procedures, I sent a certified letter to them requesting validation of what is reporting on my account. Mid-Michigan Credit Bureau failed to retrieve and receive the mail. Tracking information is provided in the attached. This in a direct violation to : FDCPA section 809 ( a ) VALIDATION OF DEBTS, states : A debt collector shall send the consumer a written " Notice of Debt '' letter containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
This account should be removed immediately or legal action has to be taken.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have as of today received a reporting on my XXXX report for the total amount of {$840.00} from Commonwealth Finance for a medical bill that was deleted over 5 years ago ( I Have proof of when they did this on XXXX ). They keep reselling or re-aging every 2 years or so and reporting this to all bureaus and damaging my credit on in-validated debt. I have proof of previous deletions. This needs to stop and not take over 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Key Management Company of Missouri, LLC.
State: TX

Complaint narrative:
I have inquiry alerts through my bank. On XXXX XXXX, XXXX, i received a inquiry alert fromt Banner Finance, DBA Commerce Finance XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas had done a hard inquiry. I had a Signiture loan back in XXXX, that was paid. I contact Corporate XXXX Banner Finance and spoke to Secretary XXXX. I ask why was a inquiry done on my behalf, if i had not applied for a line of credit now. She responded that they have the right to collect old debt. So again second inquiry done on XXXX XXXX, XXXX. I believe this Company is unlawfully using my SS # for wrong business. They have never contacted me by phone or by mail. I believe its fraudulent on what is being done. I am requesting for those inquiries to be removed from my credit reporting. Your immediate attention is needed., Thanks Concern Consumer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.

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 2016-02-16 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: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
I tried XXXX service for my family, I cancelled after 10 days of service due to bad signal strength, I paid over {$350.00} to return equipment and close account, 2-3 months later XXXX sends me to collections for usage of 10 days of service, I paid the usage fee on XXXX/XXXX/XXXX and balance was XXXX .... Today is XXXX/XXXX/XXXX and I am still showing an active collection account from GC services on behave of XXXX, after numerous calls hours of phone conversations with XXXX and GC, XXXX admitted that the balance is and should be XXXX from XXXX/XXXX/XXXX ... A supervisor from XXXX had me 3-way a phone call to Collection agency, but the collection agency disconnected the call and refused to speak to XXXX ... I am now being denied a mortgage loan because of this negative collection report .... Please erase this negative from my credit as I am trying to make the biggest purchase of my life and realize the American Dream at the same time, not only for me but also for my family of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rosen Management Services Inc.
State: WI

Complaint narrative:
I was contacted on Saturday about a loan I supposedly took out in 2011 from XXXX XXXX XXXX XXXX XXXX XXXX if I paid {$590.00} that day, the issue would be resolved even though I owed {$790.00}. When asked the original amount of the loan, XXXX could not give an answer - just advised somewhere between $ XXXX {$500.00}. When doing research on this Rosen Management, come to find out they have multiple complaints filed against them. A phone number for XXXX XXXX XXXX was found and called. They knew nothing about a loan, yet tried to sell me Protein Muscle Builder for body builders? I was then contacted today by a local number telling me legal action was going be taken if I did not pay my debts - basically calling me a deadbeat. When asked to send me the validation of debt paperwork, along with how to dispute this fraudulent activity, the gentleman declined. Per state of Wisconsin law, I have the right to request this information and it has to be sent within 5 days. Instead I was advised that my employment information had been verified and I can be expecting my wages to be garnished before being hung up on. This is not a legitimate company, and according to my attorney I have the right to request the above paperwork. Complaints have also been filed with the Federal Consumer Protection agency, along with the Consumer Finance agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: UT

Complaint narrative:
GC Services was hired by XXXX XXXX to collect on a debt that belonged to my ex-wife. I wrote them a letter within the 30 days required contesting the debt and requesting verification. In response I received a letter asking that I call a representative to discuss the debt. No verification of the debt was enclosed in that mailing. I called the representative, who merely tried to push me into paying on the debt. I declined to do so, and sent a second letter requesting verification of the debt. They did not send the verification ; instead, they sent me a letter advising me that the debt had been reported to credit bureaus. 

While CG Services has resolved the issue ( after I filed complaints with the State Attorney General 's offices in Idaho and Utah ), it should still be noted that they violated the Fair Debt Collection Practices Act by failing to provide verification of the debt. Which they did n't have ... probably why they would n't send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brightwater Capital, LLC
State: AL

Complaint narrative:
Bright Water Capital has placed the same XXXX XXXX credit card with several of their agencies. First it was with XXXX XXXX XXXX XXXX who disclosed my personal information to a third party person, a cease collection was sent to them. 

Next Bright Water sent the account to XXXX XXXX XXXX XXXX. I was able to negotiate a settlement amount with them and have been paying this account since XXXX XXXX, 2015. I have enclosed this agreement. 

On Wednesday, XXXX XXXX, 2015 a XXXX XXXX called me from XXXX XXXX XXXX, he said that they are with Bright Water Capital. He was trying to collect on the XXXX XXXX Account that was placed with his company on XXXX XXXX. I told him that I do n't know why it would be placed with XXXX XXXX XXXX, I have a settlement agreeement with XXXX XXXX XXXX. XXXX XXXX stated that XXXX XXXX XXXX lost the account for Bright Water Capital due to settlement deals like this and that I need to pay {$4000.00} to XXXX in order to close this account. 

I stated that No, I have a settlement agreement in writing with another Bright Water Capital client, why would I stop that and pay double my agreeded amount. I hung up and then a XXXX XXXX XXXX from XXXX called and said that he was XXXX XXXX 's Supervisor. I informed him of my settlement agreement and he told me the same story as XXXX XXXX. I told them I am calling XXXX XXXX XXXX and he said that was not a good idea. I hung up and they called me three times after that and left a message for me to call them back regarding the debt. 

It is clear that Bright Water Capital is trying to collect on the same debt more than once. I am concern that this is reporting incorrectly to the credit burea. 

I 'm not sure which company to believe. How do I know that my payments are going toward the XXXX XXXX Account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
Nationstar is reporting my mortgage as delinquent from the time they acquired it from XXXX XXXX XXXX in 2013. I 've paid every monthly payment via auto pay on or before the due date since I was first notified of the change in ownership. Nationstar has called since the first month and continues to call me on my home & cell numbers repeatedly asking for payment. I have spoken to them numerous times along with providing them with documentation of my XXXX Statements and printouts of their account transaction history. Each time I do this they acknowledge that the account is in good standing and should have been from the onset. However, within a few days they are calling again and then continue to report the account as delinquent. In addition, Nationstar has sent appraisers to my home on no less than XXXX occasion to appraise the home and claim that it is abandoned, even though this is our primary and only residence and is never left untended for more than a few days or week during family vacations. I personally confronted XXXX of the appraisers when they were leaving the notification and asked how they could claim the home as abandoned while we were even in the home and he stated that he was instructed to do as such. These notices are with my personal attorney. Also Nationstar has terminated my auto payment at least once, via letter stating due to multiple delinquent payments they were terminating Auto Payment. I immediately went back in and restarted in time for the monthly payment to arrive prior to the due date. However, I do think they will terminate again. Unfortunately their practices have seriously impacted my credit score, it 's currently between XXXX to XXXX with multiple 30 day lates from Nationstar. This is prohibiting me from refinancing away from Nationstar in addition to increasing my rates for other loans like Auto and preventing me from getting any new credit. I have also reached out to the CT Attorney General to request their assistance with this matter and would greatly appreciate any assistance your office can provide. Please Help! Thank You in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
So they sent me this, " Your account has incurred a late fee of {$15.00}. To avoid impacts to your credit, please make a payment by XX/XX/2017.If you ca n't make a payment today, please complete a Promise to Pay form. This will reduce the frequency of the contacts you receive. And you can always call us at XXXX if you need help staying current on your loan. '' The problem was that about one month ago I was told by Nationstar that I was a complete payment ahead of schedule so I had them apply the outstanding money to the loan. Nationstar Mortgage said they would honor the payment terms from XXXX XXXX XXXX ( previous mortgage servicer ). I was using equity accelerator at XXXX and making half payments every two weeks, Nationstar said they would keep this the same. So my guess here is that when they lied to me about being one month ahead ( I think I was actually 1/2 a payment ahead ), so when they applied the complete payment it put me 1/2 month behind, thus the fee they are charging me. This company has the worst customer service I have ever endured, the representative lies to me every time I call and can not pull up my account to even see what is going on. I have to be transferred to someone else every time to actually get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I applied for a loan through XXXX XXXX Bank and was given a pre-approval. Quicken Loans underwrites their loans. Once in underwriting, I was asked XXXX times why I was moving from my home with my husband. XXXX, requesting my answer in writing and XXXX by phone, on a recorded line, directly from the underwriter. My answer was consistently the same, that this property would be my primary residence. 
I was told that I could n't use money from my business account because the business was filed on my taxes as a partnership between my husband and I. I proved that I was the sole principal on the business. 
Then I was told that the mortgage would not be approved until I gave them a date of when my old rental property was charged off by the Lender. I got this paperwork too. 
By this time, we were two weeks post my original closing date. The earnest money deposit, inspection, and appraisal had been completed for three weeks, the underwriter then told me without a divorce decree or a legal separation agreement, they would not be able to complete the loan due to this being a " primary residence '' property. This was the first I had heard of these documents being needed. All parties were aware that I was married and no one told me this until I had spent {$1200.00} on the above fees and now no one will address how I can get my money back or what I 'm supposed to do about starting all over and finding a home with {$1200.00} less in my budget. To make matters worse, Quicken Loans sent my lender a denial letter stating that the reason was, there were credit issues, slow pays and delinquencies. This is a lie and had never been addressed during the entire process. This home had equity in it and I want something to be done about my huge loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
Since XXXX XXXX, Nationstar has contacted me several times to present. Initially, I would accept the calls. The requested information would always be the same. Starting XXXX XXXX, I asked Nationstar representatives why was it necessary for them to contact me since my profile had not changed. They would same to me, we are updating your file. To me, this did n't make since because I can update my profile online at Nationstar website because I have a user id and password. I have requested Nationstar to stop calling me in regards to this matter. However, my requests are being ignored. 

Thank you in advance for assisting me in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Over a period a six months, my XXXX mother applied for a large loan from BB & T in XXXX. Over that period my mother was asked to pay for an appraisal fee of over {$500.00} and was led to believe that she was in line for the loan. Over a six month period she was, I feel, led on my a young employee at the bank who played to her motherly instincts. While salesmanship is a part of business, my mother spent thousands of dollars on an apartment under false impression it turns out, that the loan was a mere days away. This process cost her thousands of dollars over a six month span. While this is in no way a predatory loan, I feel that my senior citizen was indeed led on by BB & T.

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 2015-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Quicken Loans is not reporting my mortgage to the XXXX credit bureaus. On my credit report, it states account is closed. This is affecting my credit rating. I was granted bankruptcy in 2013 for credit card debit. I have never been late on any mortgage payment. My account is current. Quicken Loans has been non compliant to any of my inquiries since the date of filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
This is a follow-up complaint for Case Number : XXXX. Nationstar stated our loan is involved in an active bankruptcy. This is no longer true. We are asking Nationstar to update their files concerning the address of our property so we can refinance the mortgage with a different company. Although Nationstar has updated their records they refuse to cooperate with XXXX in updating the address correction. This complaint is regarding their servicing or our loan.

Company response to consumer: Closed with explanation