vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Experian on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Experian is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,

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 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
XXXX-C/O Levy and Associates deliberately violated the Fair Debt Collection Practices Act ( FDCPA ) by not allowing me to protest the supposed debt that they are trying to collect. The very first time that I have heard about this Company is when they filed a lawsuit with the XXXX XXXX XXXX Court seeking a default judgement. This Company has currently XXXX consumer complaints filed by consumers to the Ohio Attorney General 's office due to their unlawful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, MD XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FAIR COLLECTIONS & O acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2017-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
Escrow manipulation ; Carrington Mortgage. Adding fees for there own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: OH

Complaint narrative:
I keep receiving calls from a company that claims they are in XXXX called First Recovery. They have called me repeatedly and I have spoken to someone twice. The first time the person hung up on me after I pushed back on giving him the last XXXX of my social security number " for verification. '' The calls always start with a recorded voice and usually hang up before I get a live person. Today I received a call and told " XXXX XXXX '' that I wanted written verification and to stop calling until I made contact after receiving verification from them. I am an attorney and told her that, and that I have looked up the FCRA and also info on their company as a scam. She told me that it would look really bad if I did n't pay my bills since I 'm a lawyer and that I really should take care of it now. I send send me verification and do n't call again. She said she ca n't do that. 

I received a call a few minutes later from XXXX, and she put me in contact with a manager of some sort. He eventually gave me information about me that was correct ( former address, former employer ), although he had my name as " XXXX '' and I always use " XXXX '' for anything official. He told me I owed {$300.00} from a payday loan I took out in 2012 from XXXX XXXX XXXX, plus {$130.00} in late fees. I told him I did n't know what he was talking about and he asked if I planned to pay them restitution. I said no. We argued back and forth and I repeatedly told him that I did n't claim this debt as mine. I asked for proof and he said if I 'm not going to pay, that we 're done and hung up. 

The number the recording gives to call back is XXXX and an account number ( electronic voice, not live person ). They have called from XXXX, XXXX, XXXX, XXXX, and started on XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a dispute on XX/XX/2017 and still have not have had a decision told to me. the confirmation number of the dispute from equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is one digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found two different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I was applying for a loan from mobiloans.com and they said my social security number was not in there system but when i go on their site they say it is. this was my first time ever applying with this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I have been getting phone calles from this company saying I owe them money. I have never opened a account with them and now call me countless times every single day saying the same thing over and over again about me owing them money. When I explained to them that I have never opened a account they said for me to contact you on this site and the phone call will not stop until I pay.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-04 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Insight Capital LLC (NV)
State: MA

Complaint narrative:
Getting phone calls every day stating I oee money on a payday loan back in 2012 to insight capital with a phone number of XXXX. I have never heard of this company and never had a deposit from this company. My response from this company was prove it with your ban statements from 2012. Then they threatened me with taking me to court.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
We are in the process of negotiating a Short Sale for the sale of a property. This process has been going on since XX/XX/2016. There has been a huge lack of communication between the banks assigned relationship manager and myself as he does not notify when something is needed or return my phone calls. I have spoke with numerous supervisors and managers over the last 5 months and have made no progress whatsoever and the same relationship manager is assigned to the file. Over the last 5 months, we have submitted and re-submitted the bank requested bank statements several times as the bank took 3 months to realize that the bank account had transferred over to a new bank with a new account number, even though this has been explained to them on several occasions. We have attempted to escalate the file 4 times and still have made no progress. After confirming with a supervisor on several occasions that no other documents were needed, a new request was made for additional documents. However, no one reaches out to advise us of the additional document and some requests sat for almost weeks until a phone call was made by us to them. Now, they are requesting additional bank statements for over-draft accounts that are no longer in use. They have requested 3 BPO 's as the others keep expiring due to the lack of communication. A notice of default has now been sent to the homeowners and we are still nowhere near getting this Short Sale approved and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
My mortgage with Seneca Mortgage was sold to XXXX, Seneca continued to withdraw money from my checking account although I had no account open with them. I need Seneca to send my money back since there is no debt to pally the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I received a notice of mortgage transferal ( selling my mortgage ) from XXXX. They are selling my mortgage to Nationstar Mortgage LLC. The mortgage sale will be complete on XX/XX/XXXX. It is now XX/XX/XXXX. Nationstar Mortgage LLC has NOT provided a service transferring notice as required by law. They are well known for making a disaster of people 's transfer paperwork, not paying insurance and property taxes out of escrow, and have horrible online reviews : unless you go to a site where they pay money to be 'verified ' ( i.e. - the site allows them to remove negative reviews ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIRST FINANCIAL SERVICES, INC.
State: MA

Complaint narrative:
I pulled up my credit report and realize that first financial resource, Inc. Is reporting a debt of {$630.00}, the original creditor is XXXX, I contacted the original creditor and they told me that the debt is too old and it 's not in their system anymore because first financial resources took it over. So I contacted first financial resources Inc. and I let them know that I have insurance and it usually covers all my medical bills. They told me that maybe I did n't have insurance at the time of the service. I then contacted my insurance company which is health safety net I spoke to XXXX she confirmed that I had insurance from XXXX XXXX, XXXX till XXXX XXXX, XXXX and then I renewed it XXXX XXXX, XXXX to XXXX XXXX, XXXX. The service date from skin pathology laboratory was on XXXX XXXX, XXXX and also XXXX XXXX, XXXX. Which means I was covered during that period of time. So then I called first financial resources to explain to them that I was covered during that period of service but they told me that maybe the doctor sent the XXXX outside XXXX XXXX XXXX therefore the hospital is not responsible for this bill. Please understand that I am a XXXX I have been treated a XXXX XXXX XXXX I have had over XXXX XXXX done at the XXXX without any problems from XXXX until current time. I have had XXXX XXXX XXXX and XXXX my insurance always covers me I believe that the doctors office failed to bill my insurance instead they sent that to the wrong address, I was not aware of this debt and its 6 years old. But they feel that it 's my responsibility for their mistake. The type of XXXX I was diagnosed with was due to stress I 'm XXXX free now I beat it, but this company is putting so much stress on me and ruining my credit. I 'm starting to worry about my Heath and getting sick again. I do n't think this bill belongs to me and if you did I want solid proof so I could submit it to my insurance company ( no just a copy of a bill ). Thank you very much for your help.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Called Nationstar mrtg to refinance the loan. XXXX ran our credit report and siad since our credit score was XXXX we didnt qualify for the " better '' loan which would bring our payment to $ XXXX.Since we had a credit score below XXXX best they could do was about $ XXXX.Current mortgage is {$1800.00} going to XXXX for the remaining 20 years of the term.He suggested we call the loan mod dept.Called loan mod on XX/XX/XXXX@XXXX .Spoke with XXXX who emailed me info needed for loan mod.Sent over the info back to XXXX on the XX/XX/2017 and he responded two days later saying he would be forwarding the info to the loan prosessors.we received a letter dated XX/XX/2017 on XX/XX/2017 asking us to Call XXXX letting us know he is our dedicated Loan specialist. The sooner you call, '' the SOONER YOU MIGHT FIND A SOLUTION TO YOUR MORTGAGE NEEDS '' Called left him a msg on Monday XX/XX/2017. He called home and then on my cell on the morning of XX/XX/2017. Could not talk too much because I was at work.Asked him to call after XXXX EST. He called the next morning and spoke to my wife. He informed her that we did not qualify for the loan mod because he did not see any hardship!!! No death, XXXX or loss of job .That is why we did not qualify. Mind you I had been out of work from mid XX/XX/XXXX till mid XX/XX/XXXX. Just got on a full shift two weeks ago ( still XXXX ). We had a similar problem when applying for a loan mod from the bank this company bought the loan from. Loan mod took over 1.5 years and finally fell through after all the running around. Same loan #. More info can be provided as neede

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: DYNAMIC RECOVERY SERVICES, INC.
State: FL

Complaint narrative:
I disputed a debit and requested validation within the 30 day window on XX/XX/2016. I sent the letter via fax ( I have the confirmation ) and mail. The collection agency sent me a letter stating I was being non-compliant on XX/XX/2016. I sent a second letter requesting the validation on XX/XX/2016. The collection agency has not yet provided the requested information and continues to call me everyday some times as much as 4 times a day and telling me that they will not send the information and that my dispute is denied.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Victoria 's Secret - Comenity Bank My account is showing a balance which consists of numerous late fees ; however, I paid the balance of {$110.00} in XXXX. 
In early XXXX, once I realized that I was behind a payment, I called the Customer Service number about my payoff, and asked about having two of the late fees removed because I have been having US mail issues and not receiving my statements. I was told that they would be removed, after my payment was received. With that late fee credit ( {$50.00} ) and the interest charge for them ( {$3.00} ), my balance would be {$0.00}. 
Since that time, my account has accrued a late fee each month ranging from {$27.00} to {$37.00}, to the amount of {$230.00}. 
In early XXXX, once I realized that my account was still accruing fees, I called the customer service number and I was told that no one by phone could help me and that I needed to send a letter. I did send a letter and received a response stating, " A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fee from your account. '' However, within a few days of receiving this letter, I received a XXXX billing statement showing on XXXX, that I was credited for two late fees and finance charges totaling {$75.00}, but still showing a balance of {$170.00}. I again called and spoke with a Supervisor and was told that the late fees and finance charges are a legitimate balance. 
How can they continue to change me fees? This credit card bank should have never been able to charge me any fees since I paid off the balance on my account in XXXX. They are now saying that they can not refund anything and I must pay the balance due, which is all fees that I have been charged by them. I did offer to pay the {$50.00} late fee that was charged in XXXX to try to satisfy this account, but they would not remove the other fees that they have charged since their customer service representative did not do what she stated that she would do. I should have a XXXX balance/paid in full on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased a XXXX from Best Buy using their 18 month deferred interest agreement. I was unable to pay the balance in full by the end of the promotional period and was charged {$940.00} in interest. I called Best Buy to see if they could reduce the interest payment. On a {$2000.00} laptop, I was charged {$1000.00} in interest.

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 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I filed a Chapter XXXX bankruptcy and the court created a payment plan for me to pay the court and Wells Fargo a specific amounts of money on a monthly basis until my debt was pay off in 4 years. I follow the courts orders and paid off my debt to the court and Wells Fargo ; there were no other creditors. Once I fulfilled my debt obligations, the case was discharged on XX/XX/XXXX. A couple of months prior to my discharge the court sent me an over payment check in the amount of {$79.00} and Wells Fargo sent me a {$700.00} check for over payment. However, after my case was discharged Wells Fargo continued to send me bills ; some that stated that I do n't owe anything and others that shows different amounts that Wells Fargo claims that I still owe them even though the debt was discharged. At the end of XXXX I received 3 more letters ; 1 that discussed a " Lien Release '' stating that Wells Fargo will file a XXXX, and another statement stating that Wells Fargo still owes me an additional {$570.00} and another that stated that I owe Wells Fargo {$7800.00}. 
On XX/XX/XXXX I called Wells Fargo and spoke to the Bankruptcy department. I ask them why they were still sending me bills after my case was discharged, I was told that they did n't know that the case had been discharged and they will work on getting their error corrected. However, instead of correcting their error as promised, Wells Fargo file documents with the County-Recorder to have my name removed from my property at XXXX XXXX, XXXX XXXX, CA XXXX, changed to my deceased son 's name ; I received a letter from County-Recorder 's office in the mail on XX/XX/XXXX. 
I would like for Wells Fargo to acknowledge that I do not owe them anymore money and to abide by the court order and stop sending me bills and statements asking me for more money, since I have already paid off the loan and the case was discharged on XX/XX/XXXX. In addition, send me any other money that they owes me and close any case that they have open in regards to my home at XXXX XXXX XXXX, XXXX XXXX CA 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