vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services
State: TX

Complaint narrative:
Below is a description on my complaint. It is the text of the letter I sent to parties listed below on XX/XX/XXXX. I have received numerous billing statements from XXXX XXXX and I have not received a bill from XXXX XXXX XXXX XXXX. 
XXXX ATTN XXXX XXXX, Collection Department Manager, XX/XX/XXXX XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX XXXX XXXX - XXXX, MT. 
DBA : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MT XXXX XXXX ATTN Billing Department Manager, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX XXXX Under false pretenses, willfully and knowingly XXXX XXXX XXXX XXXX MT ( DBA XXXX XXXX ) opened a fraudulent account as reported by XXXX  and XXXX using my name and included an unsubstantiated claim for " unpaid '' in the amount of {$17.00} on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. Additionally XXXX XXXX XXXX ( DBA XXXX XXXX ) continues to willfully and knowingly violate the Fair Debt Collection Practices Act ( FDCPA ) and harass me with repeated attempts to fraudulently collect money on this unsubstantiated claim. These actions are an unlawful attempt to commit fraud, extort money from me, and damage my name and credit rating. 

I have made every effort to : 1. work and coordinate with my insurer XXXX, XXXX , XXXX , XXXX , XXXX , and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( DBA XXXX XXXX ) to facilitate and expedite satisfaction and closure of this matter since XX/XX/XXXX 2. show and reiterate on numerous occasions that XXXX XXXX   XXXX XXXX XXXX XXXX XXXX did not bill my insurer for services provided on XX/XX/XXXX at XXXX XXXX XXXX in a timely manner. My insurer waited more than six months without being billed by XXXX XXXX XXXX XXXX XXXX, XXXX 3. show that once XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted and billed my insurer, all claims due were paid with no outstanding monies owed. XXXX XXXX XXXX XXXX XXXX, XXXX was provided multiple statements of remittance ( on XX/XX/XXXX and XX/XX/XXXX ) which clearly state and serve as record evidence that all claims were paid by the insurer and these records further indicate that there never has been co-payment due for the beneficiary and there is no money owed by the beneficiary to XXXX XXXX XXXX XXXX XXXX, XXXX. 

In sum, I owe no money and never have owed any money to XXXX XXXX XXXX XXXX XXXX, XXXX. However, XXXX XXXX  XXXX XXXX ( DBA XXXX XXXX ) has violated my rights and protections under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. giving false information about me to credit reporting companies including XXXX and XXXX 2. making repeated false written statements indicating I owe money 3. conducting unfair practices in attempt to collect money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 2018-04-25 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from One Main Financial, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times. 

I've emailed the company ( one main ) without response. I've also filed requestes with XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Southwest Finance, L.L.C.
State: AZ

Complaint narrative:
I was married and took out a title loan with S.W. Title loan in 2015 roughly, I was divorced and my ex husband retained the vehicle and was awarded the truck and was to pay title loan as per our divorce. He continued to pay and then sold the vehicle without my consent and stopped paying them they started harassing calls to me. But I hadn't paid them due to it being in my divorce settlement that he would take full responsibility for loan as well as vehicle. They wouldn't accept my divorce papers to see that was the case. I continually get calls from them and they are very rude.

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 2018-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXXXXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.

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 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I maintain a Bank of America credit card for emergency use that has an annual fee. I moved back to the U.S. from overseas and didn't realize the payment was due as my mail was following me around. Bank of America proceeded to post negative information on my report and refused to remove it after I corrected the problem. I don't think credit card companies should be able to damage my credit rating solely for late payment of an annual fee.

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 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I paid off my mortgage onXX/XX/XXXX by wire transfer- - today isXX/XX/XXXX - - 76 days later they still have not sent the escrow refund for over {$2100.00}. I have called every few weeks to no avail. They have not given me a reason. Just keep telling me they will send an email to their manager. Please assist getting my the refund due to me. I paid them on time for years, send them roughly {$200000.00} in payments and I can't even get a timeline from them on my refund for the amount that was over collected by them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX and my divorce started in XX/XX/XXXX. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX Filing false XXXX   charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX  and XXXX  bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been XXXX for harassment, tried having me beat up/and or XXXX  by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.

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 2018-04-25 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: TN

Complaint narrative:
XXXX and my divorce started in XXXX XXXX  2015. She had sworn that she would bankrupt and ruin me prior to filing. Ever since filing she has made my life XXXX. Filing false XXXX charges ( all dismissed and expunged ), having my kids and I thrown out of house, changing my mailing address, contact info, spreading lies on social media about me ( ultimately getting her XXXX for harassment ) Most recently learning she had been having my mail forwarded to her new address at XXXX XXXX XXXX XXXX. I was informed that this was her address by the police officer when making the report after discovering address on my XXXX XXXX and XXXX bills. My car was repossessed, mortgage had gotten soo far behind that I had to modify it to keep it. I have debts and collections on my credit that I did not know even existed. She has been XXXX  for harassment, tried having me XXXX XXXXand or XXXX  by various people, and has attempted getting me fired for false charges made on me as noted above. The time and expense and credit issues I have incurred by this fraud has severely crippled me, making it difficult for my children and I. I am hoping to have my credit restored at least.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
RE : Civil No. XXXX ( 3 ). XXXX XXXX vs. XXXX XXXX RE : XXXX XXXX XXXX, DEBTOR CASE NO. XXXX COMPLAINT AGAINST XXXX XXXX./PENNYMAC LOAN SERVICING, LLC FOR VIOLATION OF AUTOMATIC STAY UNDER 11 U.S.C 362 ( j ) To : CFPB, FEDERAL TRADE COMMISSION , SECOND CIRCUIT COURT , COURT OF APPEALS , UNITED STATES BANKRUPTCY COURT , CENTRAL DISTRICT OF CALIFORNIA AND DEPARTMENT OF JUSTICE 1.XXXX XXXX./OR PENNYMAC LOAN SERVICING , LLC DID NOT MAKE ANY ATTEMPT TO STOP THE FORECLOSURE ACTION IN THE SECOND CIRCUIT COURT, STATE OF HAWAII Civil No. XXXX ( 3 ). XXXX XXXX ALSO DID NOT RESOLVED THE ISSUE OF THE COMMISSIONER, XXXX XXXX XXXX XXXX STOP HIM FROM COLLECTING RENT AT XXXX XXXX XXXX , XXXX , HI XXXX. 

2.DEBTOR RENTED COUPLE OF ROOM TO SUPPORT HIS MORTGAGE TO PENNYMAC AND PENNYMAC ACCEPTING PAYMENT MORTGAGE UNDER DEBTOR BANKRUPTCY PLAN, SINCEXX/XX/XXXX 

3.AS DEBTOR XXXX XXXX PAYING PENYMAC MORTGAGE, COMMISSIONER XXXX XXXX XXXX COLLECTING RENTAL INCOME OF THE DEBTOR, ONXX/XX/XXXXIN BEHALF OF XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC, WHICH VIOLATES XXXX XXXX XXXXS AUTOMATIC STAY UNDER 11 U.S.C 362 ( j ) WITHOUT RESPECT TO DEBTOR OR FEDERAL BANKRUPTCY COURT.

4.ALL THE PROOF AND RECEIPT WILL BE SUBMITTED, AND DEBTOR IS GOING TO FILE CLASS ACTION AGAINST XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC IF THIS ISSUE OF FORECLOSURE IS NOT GOING TO BE RESOLVED. 

5. XXXX XXXX OR PENNYMAC LOAN SERVICING, HAS THE RIGHT TO STOP THE FORECLOSURE ACTION THE SECOND CIRCUIT COURT STATE OF HAWAII TO AVOID LEGAL ACTION AND TO CEASE XXXX XXXX XXXX FROM COLLECTING INCOME RENTAL OF DEBTOR. 

6. XXXX XXXX XXXX, COMMISSIONER IS COLLECTING IN BEHALF OF XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC WHILE DEBTOR XXXX XXXX IS IN BANKRUPTCY Case No. XXXX FILED ON XX/XX/XXXXAND DEBTOR 'S AUTOMATIC STAY WAS STILL IN EFFECT ON MONTH OF XXXX. THIS CASE IS DAMAGING DEBTOR 'S FINANCIAL AND HEALTH ISSUES. 

Attached is Exhibit A, the proof of collection of Commissioner, XXXX XXXX, in behalf of XXXX, XXXX/Pennymac Mortgage Servicing, LLC XXXX UNDER PENALTY OF PERJURY DEBTOR XXXX XXXX IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE. 


Sincerely Yours, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XXXX. XXXX XXXX XXXX, HI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCP Finance
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX at XXXX XXXX. After she verified who I was, she attempted to collect a debt. I explained that I don't want anymore calls and wanted the debt validated - she refused and said that she didn't have to do that and that I needed to pay the debt. There was yelling on both parts and she disconnected the call. I called back and got her again, explaining that I wanted the debt validated and again she refused, so I disconnected the call. I called back a 3rd time and got the general voicemail box stating that I wanted no more phone calls from them at all and for them to validate the debt and that I was issuing a complaint with the CFPB. On XX/XX/XXXX, I went on their website and stated that I wanted a cease and desist and to have the debt validated. On XX/XX/XXXX, at XXXX, I received a voicemail message from XXXX asking that I return their call. 

This is in direct violation of FDCPA. I told her on a recorded line that wanted the debt validated and she refused, I left a message on their general voicemail that I want no more calls and on their website and yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
There is a dental bill on my credit report and my children and myself have never been there. It was my husband 's daughter, my step daughter. I never signed agreeing I would be responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
Subject : False letters about collecting a debt amount of {$2700.00} Incident date ( car accident ) : XX/XX/2016. 
Company trying to collect false debt : XXXX XXXX XXXX XXXX XXXX. 
name of 3 collections companies i have responded to : 1 ) XXXX Phone : XXXX File # XXXX ; Claim # XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MA. File # : XXXX XXXX XXXX 3 ) Weltman , Weinberg & Reis Co. , L.P.A . File # XXXX I do not have any responsibility for the debt they are trying to collect. I was not at fault in the car accident. Also, I had insurance coverage at the time of the accident. It was a rental car from XXXX and I had purchased additional liability insurance. 

I am not responsible for this debt. They need to stop all communications with me and with this address, and record that I dispute having any obligation for this debt. In spite of me sending 3 registered letters and supporting documents and evidence, they still keep sending it to new collection companies to harass me and I have responded to all 3.this needs to stop. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Someone stole my cards one of which was a td bank card. All other consumers helped me promptly, but tdbank denied my claim twice even after police report was filed. They offered no assistance with trying to find the person responsible. I asked why wasnt provided a photo? The manager said they cant show pictures of the person who has taken money out my account. As if they are protecting the person or protecting themselves from not securing the money I placed in the bank to be safe from being stolen. Ive banked with them several years having no problems and now all of a sudden Im a bother to them. They were more than happy to assist me into banking with them, but cant help a customer get compensation for their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select portfolios are attempting to foreclose on my property with fraudulent assignments that have been robo signed they have failed to respond to my QWR and my debt validation notices dated XXXX  of XXXXthey offered a preditory modification which gave me a XXXX balloon payment and a mortgage payment that went from XXXX to nearly 1900also XX/XX/XXXX I filed an affidavit of notice in XXXX county due to various elements of fraud misrepresentation and deceptive practices I revoked the power of attorney from XXXX XXXX and the home equity asset tust XX/XX/XXXX-5 holders for it is unconstitutional everyone has a right to due process of law.I stand on the 14th amendment and Article V. I don't want my home to be sold on the courthouse steps with do process of law. I demand a jury of my peers to make the decision. 
I want a judicial foreclosure because of all of the fraudulent assignments and other deceptive practices

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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc.
State: NY

Complaint narrative:
On XX/XX/2018, I purchased an item from a seller on XXXX for XXXX Euros ( XXXX USD ). My only option for paying him was to use Skrill. I logged into my Skrill account and sent it directly to the seller 's email address on file with them. I received an email from Skrill telling me that the Transfer had been successful, and also received by email a Transaction Receipt from them.

My seller -- the merchant -- told me that he never received this money and that it was not to be found in his Skrill account. I asked him three times, and forwarded the Transaction Receipt to him on XX/XX/XXXX. He said he would gladly refund the amount if he had received it in the first place. He never got it. ( I paid again, through XXXX, and was successful this second time. ) I had used the correct email address on his Skrill account.

I complained to Skrill three times about this, and they insisted that the money was in fact there, and told me that they would contact him about it.

I did not hear from them again. I contacted the seller once more, but the money was still not there.

Nothing has happened since my last inquiry to Skrill on XX/XX/XXXX -- except that they sent me a notice that they had received my inquiry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from XXXX XXXX XXXX, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times.

I've emailed the company ( XXXX XXXX ) without response. I've also filed requestes with transunion/XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.

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