vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
Again while checking my credit reports I noticed a collection from Diversified Consultants for a XXXX bill that does not belong to me. In fact I was in XXXX during the said time I signed a contract for their services. I have once tried to dispute the validity of this debt by requesting the original contract that I was accused of signing. I didn't receive any communication about this matter. I have researched a consumer relief attorney to handle this very stressful situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
My problem is with the servicer of my FHA mortgage loan, Loancare. I was facing a foreclosure sale date and filed bankruptcy in order to give me a chance to negotiate and be considered for government programs. However Loan Care sold my home anyway!! I then had to go through a process with the Master Commissioner to get the sale voided. Once this happened LoanCare assured me they would review me for government options for assistance. However, after sending my paperwork in they made excuse after excuse and continually lost paperwork and never actually conducted a review. They assured me my sale date was on hold but then they went and sold my home AGAIN last week! Instead of considering me for modification or partial claim or repayment plan they tried to sold my home! I wanted to file this complaint because I think Loancare is violating the servicing guidelines for a loan backed by HUD I live in this home with my wife and XXXX daughter. I was excited as a first-time homebuyer to qualify for this loan due to my income and steady employment at the XXXX XXXX XXXX. Problems started a little over a year ago when my hours were cut by 1/3rd. This was unexpected and I could not make ends meet for a time and missed a couple of mortgage payments. When I contacted Loancare to try and resolve this matter they told me they did not want a partial payment or a single payment. They wanted the whole past due amount along with late fees. I was only two months behind at that moment, but was still struggling and could not afford to make two payments at once plus all the late fees and junk fees that Loancare had added. Due to this I fell further behind. I asked Loancare for other options. I asked for the opportunity to apply for a loan modification but was told there was only one option, reinstatement in full. 

Loancare has failed to follow the rules for the servicing of an FHA loan. They have not conducted a review of my current and correct financial information nor have they assigned a single point of contact. They have not allowed me to apply for any homeowner assistance options such as modification, partial claim, special forbearance or repayment plan and have obstructed my efforts to save my home and have instead pushed me into foreclosure. Additionally, they failed to provide any Occupied Conveyance paperwork for me, which I think they are supposed to send out PRIOR to setting any type of foreclosure sale date. 

I am beyond frustrated with this company. I just wanted an opportunity to be reviewed for these programs now that my temporary financial hardship is over. However Loan Care went and sold my house instead.

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 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These medical accounts shouldnt be on my credit report this medical account is under 180 Days please Remove Off My Transunion credit report!! This is a Hippa Violation!!!  This account is 5 months old

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 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
have called Transunion multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Transunion is supposed to protect my information and has failed to do so. 
XXXX  XXXX has ran my credit multiple times and had no authorization to do so. 

XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX I dont even know what company this is and when I called then number its in XXXX and i dont speak XXXX. 
XXXX : XX/XX/XXXX I want these off my credit. Its hurting me to obtain anything because of this stuff

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 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is charging me for services and i had XXXX and now i am getting a bill for the same services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I fell behind on my mortgage and applied with my servicer Mr.Cooper for help. I hired an attorney to help me with the process. I was approved for a loan modification trial and I paid all of my trial payments on time. My last trial payment was due in XX/XX/XXXX. I have not received my final documents. My attorney called Mr. Cooper and they are telling us that they mailed out my paperwork to the wrong address for the law office. My attorney advised them of the CORRECT address, however stupid Mr. Cooper says my attorney has to send them in writing a letter stating the address THEY have incorrectly on file is not correct. Otherwise they say they will not give me my final mod documents and I will lose my house! So I have to pay my attorney to correct Mr. Coopers error. My attorney advised Mr. Cooper we have never given them that incorrect address and all of the paperwork they sent in, including the authorization, had the correct address. Mr. Cooper then agreed to mail out a new set of my final paperwork to the correct address based on them looking at all the paperwork my attorney sent in had the correct address. Mr. Cooper said they would do that as a favo??? But still demanded my attorney to send them in a letter advising them of their error. This all occurred on XX/XX/XXXX and as of today I still do not have my final documents. My attorney called again today and Mr. Cooper hung up on him. He was asking why the paperwork didn't go out. The rep said they were waiting for the letter. My attorney asked for a manager as that was not the agreement and he had called on XX/XX/XXXX and Mr. Cooper at that time told my attorney the documents already went out. My lawyer nor myself has ever received any call from Mr. Cooper during this time. They never called to ask if I had received the final paperwork. They were just going to let my loan mod cancel out then take my home! Shame on Mr . Cooper!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I paid deferred down payments and few payment into the loan on a XXXX XXXX XXXX and XXXX XXXX charged me XXXX this is considered dealership fraud i did sue XXXX XXXX and XXXX XXXX for accepting a loan that is way more than what the car is worth I have papers and proof that i sued please take care of this asap! i have contract details etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I applied for XXXX XXXX  on XX/XX/XXXX and was approved through TD Bank. I placed an order on XX/XX/XXXX and then cancelled it as my promotional item wasn't included even though I had selected it. OnXX/XX/XXXX I placed a new order that included my promotional item. The order went through and I saw the pending withdrawl on TD Bank. A few hours later I get an email that my order was suppressed and cancelled. So I waited 24 hours and placed the order again on XX/XX/XXXX and again it was suppressed and cancelled. I waited 48 hours and tried to place the order again onXX/XX/XXXX and still it keeps getting cancelled. I have called XXXX and TD Bank numerous times trying to get them to fix this issue as all my information is correct but they just keep telling me it's due to a fraud alert. XXXX  says it's TD Banks issue and TD Bank says it's XXXX  issue. I've called and verified all my information over the phone but yet they still will not let me place an order. At this time I have a hard check on my credit report as well as approved financing that XXXX  and TD Bank refuses to let me use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting a collection for XXXX and account was paid at 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 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
A company named XXXX contacted me they told me that they are a collection agency who behalf XXXXXXXX company. I call them we agreed to pay {$92.00} then they will remove the inquiry on my credit report. I did pay {$92.00} on XX/XX/2018, and still, the inquiry is on my credit report. any time I talk them they say we will remove next week. I am tired calling them because anytime I call them they put me on hold about 45 minutes. please help me to solve this issue. 

Sincerely,

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 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX is charging me something isnt my charges. Dont know  how they have my information

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 2018-03-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
have called Equifax multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Equifax is supposed to protect my information and has failed to do so. XXXX XXXX   has ran my credit multiple times and had no authorization to do so. Also I know my social security was part of the breach that happened.

XXXX XXXX :XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX Its pretty ridiculous that this is even happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Worldwide Processing Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a call from Forward Movement Recovery claiming that I have an outstanding debt with XXXX XXXX  and they are a company trying to collect that debt from sometime XX/XX/XXXX-XX/XX/XXXX time line. I explained to the representative XXXX   ( XXXX  ) that this is a false debt, and was paid already to a debt collector. She requested me to find records from XX/XX/XXXXalmost 8 years ago and I will get back to her and the company as soon as possible. Since that day, they have called me and my contacts and references since XX/XX/XXXX including today. She had stated that the company is going to call everyday and once a day to me and all my contacts until it is settled. This is an entirely different conversation fromXX/XX/XXXX.

The contact for Forward Movement Recovery is ( XXXX  ) XXXX ( XXXX  ) XXXX I will also be filing a complaint against cash central because this debt was already collected by another debt collection company back in XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I never received any information with respect to this debt prior to it being placed on my credit report as a collection account. I was told by a mortgage lender as I was seeking pre-approval for a home loan, that a collection account with XXXX XXXX was on all three credit reports and provided me with the information regarding the creditor. I proceed to request debt validation and submitted a proposed settlement offer to pay the balance in full provided the debt could be validated as requested in the letter. The company responded with a letter written in " Spanish '' and what looked like a screen print of an account balance from their own system nothing from the original creditor nothing with respect to the debt being purchased or assigned to them, nor did it have any details that I was the owner of the debt. Not only was there no information regarding validation but I was deeply offended that it was sent to me in " SPANISH '', I wrote them a well written proposal in " English '' and I have NEVER placed on any documentation anywhere that " SPANISH '' is my preferred language of communication. I found this to be incredibly racist as well as an prime example of discrimination toward me as I have a XXXX last name. This is likely a stall tactic as they can not validate the debt, and would prefer to attempt to sell this invalidated debt to another debt collector as they know they can not legally collect on this debt.

I have attached PDFs of the letters that I submitted to XXXX XXXX and I would be happy to provide their response letters, and the certified mail return receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
After months of research and speaking to Legal Aid in Delaware and California I have come to discover that I am a victim of Sewer Service from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid in CA was 'too busy ' to help me so I am on my own. 
I never was served and this lawsuit is a fraud. 
On XX/XX/XXXX they placed an illegal hold on my Chase Account for {$43.00} and proceeded to steal the {$43.00} from this account on XX/XX/XXXX. 
I am requesting this money be reimbursed since it is an illegal action and I am a victim of Sewer Service. 
I have attached documents showing the hold and the falsified court documents they sent me. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX claim to have served me in XX/XX/XXXX and on XX/XX/XXXX neither happened, so I was actually a victim of Sewer Service twice. 
I have now become aware of what Sewer Service is and I know it is highly illegal. 
What is surprising is that Chase Bank allowed the theft to happen even though I informed them the lawsuit against me was fraudulent. 
I am currently XXXX and have been since XX/XX/XXXX so I am unable to work. I am awaiting a hearing from Social Security which takes at least 600 days to be seen so my case is still pending and I do not collect XXXX at this time. 
I am being victimized and have been haunted by this fraudulent lawsuit and companies for several years now. Please help me resolve this matter and hold the fraudulent companies accountable for their illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019, Unfortunately I deposited a Fraudulent check, I did not know that it was fraudulent when I deposited it. I was fooled into a Smart Shopper scam and I withdrew the funds and dispersed them with XXXX  and XXXX XXXX. My bank is charging me the amount of the check {$3700.00}. They are withholding my direct deposit from my employer and my savings account. I spoke to the Branch manager at the XXXX XXXX XXXX  Branch and he advised that he would not release the funds even though I explained to him that I needed this money to live on and that I have been a valued customer for many years. The amount deposited into the savings account was {$1300.00} from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I submitted a complaint on XX/XX/XXXX. I received a call from XXXX XXXX, phone number XXXX extension XXXX. I called XXXX  back 5 times before receiving a return call. When XXXX  called me back on XX/XX/XXXX in the late evening, he was very vague and could not tell me what my complaint was. He stated he would research my " concerns '' and provide me a response within 30 days. I have been through this rodeo with BOA before and in an effort to not have my time wasted AGAIN, I asked XXXX  to tell me what he was researching. He started telling me how he interpreted my concerns which was 100 % incorrect. I advised him then, in an effort to not waste time I'd like for him to hear my concerns since he clearly was not interpreting them correctly. XXXX refused and kept insisting I would receive a letter in 30 days. A letter in 30 days of research on " concerns '' that aren't really my concerns? Help me understand that? I am requesting that this phone call with XXXX  be listened to by management and they will clearly hear the incompetence and how i wound up back here. I then asked XXXX to provide me ALL notes on my account from XX/XX/XXXX forward, I asked XXXX to tell me if this was proprietary information, because IF IT IS, I can obtain the proper authority for the notes to be provided to me. XXXX stated he does not know and would research. this response doesnt make sense if he is a regulatory officer he should KNOW this information. I do this for a living myself, i can tell you what is proprietary and what is not.

At this point I am concerned who XXXX  really is and if he is competent to address my concerns in its entirety. I asked XXXX  was he a middle man just acknowledging my complaint or was he the actual person conducting the research. XXXX  confirmed he would be conducting the research. At this point I simply asked for XXXX XXXX  managers name, he refused. I explained why I was asking for this information ( based in his incompetence to provide any sort of clear answer on anything I asked ), he again continued to refuse. I asked for a manager to call me, no call.

I am concerned that a lot of time will be wasted here with someone that is incompetent to understand or even READ my concern correctly and address them. I do not want to receive a letter in 30 days that has nothing to do with or address my actual concerns.

I hung up the phone with XXXX  and called into BOA customer service, I spoke with XXXX. XXXX could not verify 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 2018-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
We attempted to reserve a rental on XXXX XXXX. To do this you must give payment information via PayPal. We did as requested and the owner responded immediately stating that the property was book but he had a different property. We declined twice.

Worried that we were getting scammed ... we attempted to cancel our request ... since the property was not available but he still had our payment information. We removed the credit card used from our PayPal account. We received a letter immediately stating that the card was removed and any authorizations made " BEFORE XX/XX/XXXX'' would be permitted. No further charges would be allowed. We did this on the XX/XX/XXXX. Today ... XX/XX/XXXXPayPal charged the credit card. When I called to complain I was told the card was authorized on the XX/XX/XXXXand so it went through.

I would have taken further measures to protect myself from fraud had PayPal informed me that any charges authorized ON or BEFORE the XX/XX/XXXX would be allowed. " BeforeXX/XX/XXXX '' in the financial world is XX/XX/XXXX.

I am now fighting to get my money back and was on hold with PayPal for 55 minutes before I was disconnected. I have screenshots of all of this and can verify what I am saying is 100 % accurate.

Company response to consumer: Closed with monetary relief