vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I had a defaulted credit card obligation that I owed to XXXX XXXX XXXX. They filed suit against me in the Magistrate Court of XXXX County, Georgia. A judgment was entered against me for {$1700.00}, on or about XX/XX/XXXX. In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan. I was told that I would have to satisfy the outstanding judgment lien to XXXX XXXX XXXX   before the re-financing could be completed. I contacted the law firm representing XXXX XXXX XXXX, Cooling & Winter, in early XX/XX/XXXX. We reached a settlement amount of {$1500.00} to resolve the debt. I spoke with attorney XXXX XXXX. I mailed certified funds for {$1500.00} ( cashiers check ) to XXXX XXXX of Cooling & Winter on XX/XX/XXXX. They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX. They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX. 

Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by COOLING & WINTER, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier. My employer had been served with the garnishment and withheld 25 % of my pay plus fees. A total of {$770.00} was taken from my paycheck. 

On XX/XX/XXXX, I immediately called COOLING & WINTER to see what was going on. I left messages for both XXXX XXXX and his assistant, and never received a call-back. On Monday, XX/XX/XXXX, I again left messages for XXXX and never received a call-back. 

This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25 % OF MY CHECK. AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF {$100.00}. THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED. 

They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED. THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR. 

THE OFFENDING LAW FIRM/DEBT COLLECTOR IS : COOLING & WINTER ATTORNEYS AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I have contacted this company Ill several occasions to fix the problem the only amount that is due is for XXXX so theyre not even reporting the correct balance and theyre reporting in accurate information when I spoke with the branch manager went today he told me that they dont report until the end of the month and that they report it wrong so it needs to be fixed the next step. I will write a letter to the president of the company and I will contact the media for a new story investigation. I do have Proof all payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at Commonwealth Financial system. And he said that it's a medical bill that came from XXXX XXXX XXXX which came from XXXX XXXXXXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Coradius International LLC
State: NY

Complaint narrative:
This company called an old acquaintance of mine who has never lived at the same address as me. A representative of this company disclosed the alleged amount owed and to whom I owed it to before even validating the debt. They can not tell where or from whom they received this contact information. They can not tell me from who or where they received this contact from. They have information about me unrelated to my alleged debt that they are using solely to Bully, intimidate and harass me. This is unethical and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaints were submitted to TransUnion on three ( 3 ) separate occasions with no response. 

After submission to CFPB to rectify, you sent a response from TransUnion indicating that they have requested an additional 60 days. Below is my response to you. 

I RESPECTFULLY DEMAND THAT THIS OVERSIGHT ENFORCEMENT AGENCY COMPEL SAID CRA TO MEET COMPLIANCE OF ALL SECTIONS OF THE FCRA IMMEDIATELY. 

I FURTHER OBJECT TO THE CRA REQUEST FOR AN ADDITIONAL 60 DAY EXTENSION. SUCH REQUEST IS OUTSIDE AND VIOLATES THE FCRA 611 ( a ) AND OR 611 PARA. 5 IN WHICH CITES ; CRA HAS 30 DAYS FROM THE DAY OF RECEIPT TO VERIFY OR DELETE THE INACCURATE, INCOMPLETE, UNSUBSTANTIATED  RECORD. 


RESPECTFULLY SUBMITTED 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 2018-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In late XXXX of 2018 I saw an advertisement for opening a Citi Checking account. The terms were to open a CitiBank Account Package between XX/XX/2018-XX/XX/2018 and within 30 days deposit {$15000.00} into the checking or savings with a minimum of {$1500.00} in the checking and a minimum of {$100.00} in the savings. It also states I must maintain the {$15000.00} balance for 60 days. If I do those things then {$400.00} gets deposited into my account. I have attached a screenshot of the offer details. 

In early XXXX of 2018 the checking and savings accounts were funded. The checking was fully funded with {$15000.00} on XX/XX/2018 while the savings was fully funded on XX/XX/2018 with {$100.00}. 

Using XX/XX/2018 as the start date, 60 days from then is XX/XX/2018. 

On XX/XX/2018 I opened a chat session with a Citi representative about an update on the offer. They said I had to wait an additional 90 days after the initial 60 days which is XX/XX/2018 which I had surpassed. 

The Citi representative opened a case ( # XXXX ) on the same day to investigate. On XX/XX/2018 I chatted with another Citi representative to get an update and they said the case is still open. 

It is now XX/XX/2018 - nine full business days after the case was opened - and I have yet to hear anything back. I am getting the feeling I am not going to ever hear back from them. 

Thank you for your help in this matter.

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 2018-10-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I communicated with 4 employees at Experian because I have a Credit Check account through XXXX. I got divorced and my last name changed, which is changed at XXXX but not on my Credit Check account. I called simply to change my name and provide whatever is needed in terms of documentation. 
Employees were not aware of relationship with XXXX, could not locate my account and did not offer or provide any method for me to correct my name on my account.

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 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My XXXX XXXX  XXXX with XXXX XXXX XXXX was transferred to Capital One with no clear notice it was changing banks. The letter indicated new account could be set up after XX/XX/XXXX however I didnt receive new card until XXXX & could not access online system at all because they entered my Birthday wrong. Payment in new system was due on XXXX but I never received card or bill to pay from for new account. Bank charges fee & told me even once Birthday corrected couldnt access online for 72 hours. I am one of many transferred & they only allowed 7 days from the time new system was active until payment due. If any errors in transfer this delayed set up additional 3 days & you must set up payment 2 days ahead of time so they did this in a way that guaranteed fees to most customers in the conversion. The bill due in XXXX was from XXXX XXXX XXXX not Capital One so how would you know the payment should be sent to Capital One. Statement even had old account numbers not new ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I ordered some diet pills from a company d/b/a XXXX  XXXX and XXXX XXXX, at the end of XXXX it was to be pay shipping and handling of {$4.00} and if you canx within 18 days, you would owe nothing further. I called and requested everything be cancelled on XX/XX/2018. Then in reviewing my checking account I discovered they charged my checking account XX/XX/2018 for {$69.00}, XX/XX/2018 for {$79.00}, XX/XX/2018 for {$84.00}, XX/XX/2018 for $ XXXX..I called XX/XX/XXXX and spoke w/XXXX @ USAA and submitted a dispute. On XX/XX/XXXX XXXX XXXX XXXX to follow up and I also cancelled my bank card. At first the bank put the money back, then they turned around in XXXX and reversed all the money which in turn caused my account to be over drawen, I have repeatedly called the bank since and I have been unable to recover my funds. I have filed a complaint with the XXXX  with no help. I live on a fixed income and can't afford to lose over {$300.00} dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM UNABLE TO OBTAIN MY FREE CREDIT REPORT FROM EXQUIFAX CREDIT BUREAU DESPITE MY NUMEROUS REQUESTS. 

PLEASE HELP ME NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage is the servicer of three of my mortgages. They frequently send mail solicitations via USPS promoting refinancing and pther loan products. Often these solicitation include details of my personal finances including my existing loan balance and cash out availability. Due to concerns for my privacy should the mail be misdirected not to mention the pure nusance of so many comminucations, on XX/XX/2018 I  contacted Freedom Mortgage via email to request that they discontinue sending mail solicitations and any other correspondence other than that which is necessary and required to service my existing mortgage loan. I received a mail correspondence from Freedom on XX/XX/XXXX acknowledging my requesting and indicatng that my privacy settings had been changed on al three accounts. However, these unsolicited and private financial information continues to be sent to my home ( letters were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ). I have communicated with a Ms. XXXX XXXX, a representative of Freedom Mortgage with the assistance of the New Jersey XXXX. However, Ms XXXX has been unsuccessful in addressing my concern and insists that that they not coming from Freedom Mortgage. The attached photos from a soclitation postmarked XX/XX/2018 proves that indeed the letters are coming from Freedom Mortgage and financial  information regarding my loan is clearly visible through the address window of the envelope.

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 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
There is a summary judgment against my property ; which was adjudicated in XXXX XXXX Supreme Court. Due to the emergency of this situation, I would like to explain the history of my dilemma. 

I purchased the said property above in XX/XX/XXXX. After 2 years, I requested a modification from the newly assigned company XXXX. Unfortunately, a representative of XXXX told me that the square footage of my studio ( 500 sq  feet ) was too small to receive a modification. 
Within the years of the constant reshuffling of mortgage assignments, only one servicer ( XXXX XXXX ) offered a modification ( XXXX ), which was 5x higher than what I was paying. In XXXX a Judge dismissed the case without prejudice requesting explanation of the lost note and allonge. 

In XX/XX/XXXX a second judge partially granted and partially denied the summary judgment. In XX/XX/XXXX, a third judge granted summary judgment and I filed a OSC. 

I am in receipt of a letter 3 denial letter for a modification by Planet Home Lending ( PHL ) dated XX/XX/XXXX, in reference to the denial of the requested modification. As a property owner, I am frustrated by the multiple servicers and investors that this " mortgage '' has changed hands. For the past decade, I have tried to secure a refinance when I was current only to be told that it could not be done. XXXX XXXX ( XXXX ) stated the condo was too small. XXXX couldn't modify-no reason given. Now Planet Home Lending has given no supportive argument as to the denial of the modification, other than the investor does not offer modifications. 

Their decision was based on a consumer credit report not my actual credit report. Additionally, PHL acknowledges that the reporting agencies played no part in their decision to deny the modification. However, PHL failed to mention the reason of the denial, but directed me to run my credit report. I provided all the supportive documents and income, yet I was denied. The investors lawyers also discontinued a pendency in XX/XX/XXXX because the investor because the Plaintiff could not prove compliance with the mortgage by a non-party to this foreclosure action. 

Here is a history of all the Lenders : MLN-Bankruptcy XXXX XXXX   XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Planet Home Lending I ran my credit score several times and the mortgage is not reporting at all. Please advise. 



Respectfully submitted, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
When I moved out of XXXX XXXX apartments I had no clear way of knowing that there were additional charges that I needed to pay, and they made no attempt to inform me or to contact me prior to selling the debt on to the debt collector. Prior to moving in I had paid a 'non-refundable ' security deposit which I now know is illegal in the state of Colorado , and which was not applied to the balance that I owed ( {$170.00} ). Additionally, one of the charges on there is a 'general carpet clean ' for {$65.00} which is illegal under Colorado state law because normal wear and tear on the apartment, including the carpet, can not be charged to the tenant after move out. 

I had a collections notice appear on my credit report after receiving a number of unclear calls throughout the summer. These calls were very strange, and led me to believe that it was a scam and not a valid attempt to collect a debt. The caller would leave a 2 minute voicemail pausing several times throughout the message so that I could " Listen in private ''. In the middle of XXXX I noticed a derogatory mark on one of my credit reports, and only then was I able to know who the original creditor was and what the amount owed was. They refused to delete the record even though the debt had not yet been verified. Following verification of the debt dated XX/XX/18 and received XX/XX/18, I paid the amount in full and the debt collector still refused to remove the record from the credit reports despite not providing clear identification of themselves or verification prior to the reporting of the debt.

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 2018-10-23 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
Did a dispute through the 3 credit reporting agencies, came back verified. I then contacted the furnisher by telephone who advised me they did not have any accounts in my name and not only that they are not furnishing any information to any of the 3 bureaus. Once off the phone a few days later they followed up with a letter to confirm what was told to me through on the phone. Once i received the letter i sent the letter sent to me by the furnisher along with another dispute against these accounts, and once again it came back verified. I have been trying to fix this issue for almost 3 years to no avail. On some of the accounts they even say disputed in BK. I disputed this inaccurate information multiple times as student loans can not be included in BK 's. Still will not remove or update and still being reported as verified to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
The account in Question with ( Diversified Consultants ) Account # XXXX keeps reappearing on my credit profile. I have a recorded phone conversation with both parties Diversified Consultants & XXXX XXXX stating that this account would be deleted of my credit its was paid in full with the original creditor but still remains on my credit. I tried calling both parties now there saying there is nothing they can do even thought I own no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: DC

Complaint narrative:
I received phone call about this debt in XX/XX/2018, I told them I did not know anything about this debt. then I received a letter week later .I called their phone number no response I believe this to be nothing but harassment. I do not have any account with XXXX XXXX and no account with them. a year ago hey sent a chair to my door that I did not order I never accepted the box as I never ordered anything I called XXXX XXXX who I thought may have sent it they said they did not, the box remained outside of my apartment door and the next morning it was gone I called my resident managers office to find out why they allowed XXXX to put the box at my door and they said they were never notified that I had a box or package. 
In their letter they want me to write them and I don't know why I should take time to write them if they will not answer their phone.this XXXX XXXX is a fraud operation trying to steal money from people like me through trickery and deceitful methods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation