vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: CO

Complaint narrative:
I have been getting repeated " robo '' calls to my home number from various numbers that all leave the same message about a collection of debt. I follow my credit rating, score and owe no debt that monthly payments having been made ( home, car, etc ). 

The debt collector message just lists the name of the lawyer and an 877 number. At first we thought this was just a " phishing '' type scam but some searching found this person is known for bad behavior in debt collections. That is the reason we have not tried reaching out ourselves. 

The caller : Maury Cobb Attorney XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Number called from/date/time : XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX and XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX XXXX XXXX XXXX/XX/XX/XXXX/XXXX These are just the calls I can remember documenting. The last call I saved the " robo '' call message as well. All messages are exactly the same and mention nothing about whom is being called or what the debt is about. Nothing has been received in the mail about this either. 

I have no documents but can provide the recording if required. Call logs can be obtained from my service provider if needed as well. 

Please make it stop and what other legal actions are available to me? 

Regards, 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 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mr Cooper Mortgage Company reported us to the credit bureau as being late on two mortgage payments. We have never been late on a payment. I have made multiple phone calls to them. Every time I speak to someone they tell me they will have their research department fix the error. They never dispute what I am saying, rather, they say it is a glitch in their system. Meanwhile, our credit is impacted greatly as they show us to be in " 60-90 '' days not once but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
A transfer was done from my account through XXXX.my bank is frost bank. They act like they do not want to refund me money. they closed my account opened another one then called me later to tell me that it has to be closed too. They suspect tried to do another transaction which made them lock the account. So now i have to hurry and change my deposit from my employer before they try something again. I want frost bank to refund me my money as they never sent any notification that my bank was doing transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
Creditor name is PHH Mortgage Services We were traveling overseas during the months of XXXX and mid XXXX, 2018 and  were not aware that our XXXX payments, sent automatically from my XXXX XXXX XXXX account as a Bill payments, had been returned. However, upon realizing this mistake in late XXXX, I made several attempts to remotely solve the situation : - I sent another 2 Bill payments ( {$1500.00} and {$1700.00} ) from my bank in late XXXX that were deposited and CLEARED my account on XX/XX/XXXX, XXXX. However, unbeknownst to me, PHH FAILED TO CREDIT THESE PAYMENTS TO MY ACCOUNT. 
- Upon realizing that the payments had been returned I called PHH around XX/XX/XXXX and attempted to make a phone payment but the representative told me the account was blocked and I could not do so. 
- I then spoke to several people and asked to speak to a supervisor to see if I could send the payment electronically via a wire or ACH but was told that my account was blocked and that I could only pay with certified funds. 
- I then proceeded to send a wire to a neighbor for {$5500.00} and I asked him to go to a branch in person and pay the loan at a cashier, assuming that cash was certified funds. However, upon arriving at branch he was told that cash was not an acceptable for of payment.

- At this point I decided to cut my overseas trip short and return to the USA myself to deal with this situation. 
Now my credit file is showing 30 days late for XXXX and I'm unable to obtain a mortgage for a new home despite having made EVERY effort to pay PHH on time. I tried, they refused.It almost seems like they didn't want me to pay, crazy ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: ID

Complaint narrative:
On XX/XX/2018 William 's and Fudge added a collection to my credit report in the amount of {$520.00} and I don't know why. My credit score dropped a lot because of this, almost 90 points. 
I have never heard of them before nor have ever been contacted by them either by phone or in writing. It says that I owe them {$520.00} and the school listed is XXXX XXXX XXXX College. I haven't been to that school in almost 5 years and don't remember owing them anything. I have students loans through XXXX but pay on those monthly and on time through Federal loans. It's unfair that William 's and Fudge added this derogatory mark to my credit report without even trying to contact me first. I don't believe I owe this money. I have a copy of my final billing statement with XXXX and it doesn't say I owe them anything. Since leaving college I still have the same phone number and mailing address which the college still has. Please help. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: MD

Complaint narrative:
I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still Equifax fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. Equifax continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue Equifax if they continue to report false info on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am a XXXX XXXX XXXX Veteran and Because of my illness and how fast the process went when purchasing this vehicle I was unaware that this vehicle would almost double before I could pay it off due to unforeseen interest rates that I was not made aware of when I purchased this car. My credit score was a XXXX and the Interest rate is too high for my credit rating. Now, I can not even afford my own home because my debt to income ratio because of this car is too high. I can't even refinance it for a lower rate because all of the lenders and rejecting me because I owe too much for this car still after paying my note for about 2 years and still owing XXXXon a XXXX XXXXXXXX XXXX. Please help me I am homeless. Also, My name is incorrect on their contract which they have as XXXX my last name is XXXX therefore makes this contract null and void. Which shall show as proof that I did not agree to the high interest rates of credit acceptance. And it was signed using an electronic signature that the dealer asked me to sign agreeing to pay XXXX for the car. I never was presented with the XXXX contract for this car.

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 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 my account was charged an unauthorized amount for {$890.00} from XXXX. This charge was was not authorized by me. I have reached out to XXXX to refund me but they have refused, so I called my Chase bank who I thought would help me but they did not get my funds back. I am so heartbroken and have low funds due to this. Someone please help me recover this so I can pay my rent I will be living on the street with my XXXX year old daughter someone please give me a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I am being harassed by now a third debt collection agency attempting to collect an invalid debt which the original invoicing company, XXXX XXXX XXXX, has already agreed I do not owe. 

I first received a letter dated XX/XX/XXXX from XXXX XXXX XXXX of XXXX, XXXX indicating I owed {$220.00} to XXXX ( formerly XXXX XXXX XXXX ). I notified this company by phone that I had resolved this issue directly with XXXX and that their active invoices indicate I am completely current with all invoices. I asked that they no longer contact me about this invalid debt. 

I then received a letter dated XX/XX/XXXX from XXXX XXXXXXXX XXXX of XXXX, XXXX indicating that I owe this same amount to XXXX XXXX XXXX. First by phone on XX/XX/XXXX and then online, I requested this company to stop contacting me about this invalid debt and suggested that they talk with their XXXX XXXX contacts. 

I just received a letter dated XX/XX/XXXX from Southwest Credit of XXXX, XXXX asking me to pay the same {$220.00} they say I owe to XXXX XXXX XXXX, indicating that if I do not dispute this debt in writing within 30 days, it will be assumed to be valid. This letter references a Southwest Reference number XXXX. This letter also referenced North Carolina Department of Insurance Permit # XXXX. 

I am asking the assistance of the Federal Trade Commission to put a stop to these debt collection agencies selling this account of invalid debt to other collection agencies and then harassing me about a matter settled in XX/XX/XXXX. 

If appropriate, please include the XXXX Dept of Insurance in your inquiry as I view the behavior of these agencies as unscrupulous and worthy of investigation by state regulators as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems out of Oklahoma, has contacted me by phone numerous times trying to collect a debt from XX/XX/XXXX for a payday loan I supposedly took out from XXXX XXXX XXXX I have asked Midwest Recovery each time they have called to provide a written statement with the debt information to be mailed to my current address. They refuse, argue, threaten litigation, and then finally hang up on me when I don't pay the debt over the phone. It happened again today, XX/XX/XXXX. 

Earlier today, I called the number they left on my voicemail and spoke to their representative, XXXX. XXXX XXXX. After she hung up on me, I looked up Midwest Recovery Systems on the web and found numerous complaints and scam notices against them. I then called the CFPB and received instructions for filing this complaint. After speaking with the CFPB representative, I tried to call Midwest back, and now can not get an answer. 

Midwest Recovery Systems seems to have very shady business practices, and too many scam alerts against them for me to ever pay them money over the phone. Especially when they do not provide any proof of my debt. They also use threats of legal action against me to try and get me to pay them over the phone. 

They have called me at least 3 times in this manor over the last 6 months. I'm not even sure I actually owe this debt, and now Midwest Recovery has reported it negatively on my credit reports. How can they do that, when they refuse repeated requests by me to provide written proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
All my student loans were consolidated on XX/XX/XXXX by 'XXXX ', now known at 'Nelnet ' XXXX At that time, and at no time ever after XX/XX/XXXX did 'XXXX ', now known at 'Nelnet ' or did any other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types. Additionally, all the above lenders nor did the any agency of the federal government ever inform me post XX/XX/XXXX of the passage of legislation related to the P.S.L.F. ( Public Service Loan Forgiveness Program. Today, XX/XX/XXXX @ XXXX Hours I called Nelnet XXXX and I explained my predicament, and they replied, " Hope the information we gave you helps, good luck! ". I have already applied, and been denied for the P.S.L.F. twice that I do qualify for as I have never missed a student loan payment, made over 120 payments, worked for a not for profit for over 10 years in a full time capacity. I also qualify for the new T.E.P.S.L.F. ( Temporary Expanded Public Service Student Loan Forgiveness Program, and am working with my Congressman XXXX XXXX to resolve this. I have authenticated the transfusion over over 250,000 blood products into patients over my Public Service Career. Not getting my student loans forgiven is a disgrace. ( I have attached no documents because their are none and nothing to submit-'Nelnet ' or did any  other lender that my loans were sold to i.e. XXXX, XXXX XXXX contact me, inform me, or make any attempt at any time to offer me other types of loan payment options, or payment types ). Congressman XXXX XXXX 's office will be acting on my behalf you can also correspond with them as well as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I RECENTLY CONTACTED PORTFOLIO RECOVERY ASSOCIATES ALSO KNOWN AS XXXX XXXX. I ADVISED THEM THAT THE INFORMATION WAS INCORRECT AND OFFERED TO RESOLVE THE ACCOUNTS. THE INCORRECT INFORMATION CONTINUES TO SHOW ON MY CREDIT REPORT DAMAGING MY REPUTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: PA

Complaint narrative:
Our Complaint is against SN Servicing Corporation XXXX, CA - processing agent XXXX. In an event to bring our loan current. We reached out to the SNS. in XX/XX/XXXX. We made an agreement via XXXX XXXX in XX/XX/XXXX to pay {$6500.00} down and {$500.00} for 6 months. At the time of making the initial payment we were advised that all court proceeding were to cease as the payment arrangement met the requirements of SNS investors. SNS cashed our {$6500.00} payment and applied it to our account however, we continued to receive court notices. We contacted XXXX in XX/XX/XXXX and was advised via XXXX that the court dates were prior to the agreement and we did not have to attend court dates. She confirmed that our account was no longer being pursued. We continued to make monthly payments that were deposited. In XX/XX/XXXX we became concerned that no document was sent to us via SNS for us to sign about our agreement, and we received another court date. XXXX XXXX gave us the SNS attorney XXXX contact number we made several attempts to call with no response from her XX/XX/XXXX. We stopped sending payments because our property was still being actively pushed towards foreclosure. In addition, SNS to divert and cause delayed payments SNS sent a letter stating payments were no longer being processed at the location other payments were made. We have experienced theft by deception on behalf of SNS, once payments were made to bring the account active SNS confirmed they would halt foreclosure and it was not. We were advised by SNS via XXXX NOT TO ATTEND COURT DATES and were forced into Foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Consultants of California
State: CA

Complaint narrative:
Collection Consultants of California. I asked them to remove the old medical debt on my record because it violated HIPPA and it was beyond the statute of limitations to collect. They still tried to collect on it. I told them they could no longer do that and asked them to remove the debt. They refused. They, in turn, have updated my credit report stating the debt is only a month old, when the credit report shows they opened the account back in 2013. They have also stated they could not get a hold of me, when they wrote to me with my new address. I have all documentation. It is illegal what they are doing. I have reported them to the Attorney General of California and I'm waiting to hear back from that office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: AZ

Complaint narrative:
I have received numerous calls from a lawyer, Maury Cobb. XXXX. I don't own any funds to anyone and my credit rating is XXXX. Since my phone number is new and have received a re-cycled number, he is probably trying to reach the person who previous had my cell number. I want this guy to cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT OVER AND OVER AND ASKING FOR VALIDATION TO PROVE I AM RESPONSIBLE FOR THIS DEBT. ACCORDING TO THE FEDERAL TRADE COMMISSION I HAVE THE RIGHT TO ASK FOR VALIDATION. THEY HAVE NOT PROVIDED ME WITH ANY PROOF LIKE MY SIGNATURE THAT I AM THE PERSON WHO THIS DEBT BELONGS TO. I AM A VICTIM OF IDENTITY THEFT AND HAVE FILED A REPORT WITH FTC. THIS ACCOUNT DOES NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2018-06-29 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: Rent Recovery Solutions
State: MD

Complaint narrative:
I have submitted the required documents several times, also cited the FCRA 605B protections for identity theft victims and still XXXX fails to comply with the law. I was a victim of identity theft and a few companies refuse to stop reporting unless I pay them I filed a police report and sent to all CRA and both XXXX and XXXX blocked the fraudulent information per FCRA 605B. XXXX continues to file disputes with the companies that always come back verified with no documentation. This is my final attempt and I will also include an intent to sue XXXX if they continue to report false info on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm filing a complaint about Equifax 's Security Freeze process. I was able to easily put Security Freezes on my and my husband 's credit through XXXX and XXXX, so I know the problem is Equifax and not me. 

The Equifax website is cumbersome and there is no direct link to beginning the Security Freeze process. There is to Equifax 's Lock & Alert, but this is not what I wanted. Once I found how to do the freeze online, the system would not allow me past the Submit button. It just kept swirling and returning me to the captcha. I was able to get through once for one security freeze, but that also ended in an error message for the 'One-Time Only PDF ' so we needed to call. 

Trying through the phone process was even worse. The agents ' accents were too strong to understand and they asked questions for which we needed to look up each answer taking tons of time. We successfully completed the process for me, but not for my husband. I spent no less than 2 hours trying to accomplish this today, whereas neither XXXX or XXXX took more than 15 minutes. And they did not try to push a different product on me such as the Lock & Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When calling Equifax, i originally was calling to dispute a collections. I then found out they dont have a file under my SSN. I then found out my XXXX XXXX XXXX/XXXX isnt reporting to them and my XXXX credit card is not reporting to them. They refuse to help me until i send them my drivers license and SSN card but i do not feel safe sending my SSN card and im worried Equifax has seriously messed up my report.

Company response to consumer: Closed with explanation