vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
THIS COMPANY & ATTORNEY 'S OFFICE HAS MADE NUMEROUS ERRONEOUS ATTEMPTS TO COLLECT A DEBT FROM ME THAT I DO NOT OWE. THEY FIRST OBTAINED A JUDGMENT WITHOUT EVER SERVING ME PROPERLY IN 2004. I WENT TO COURT AND RE-OPENED THE CASE AND THE JUDGMENT WAS VACATED. THIS WAS UNDER ONE NAME AND INDEX # AND ATTORNEYS OFFICE, THEN THEY AGAIN TRIED WITH THE SAME ATTORNEYS, BUT UNDER A NEW ATTORNEY 'S OFFICE NAME, SEEKING THE SAME DEBT UNDER ANOTHER COMPANY NAME. THIS CASE LIKEWISE NEVER RESULTED IN A JUDGMENT. YESTERDAY I GOT A LETTER FROM SELIP & STYLIANOU , LLP, ( WHO WERE PREVIOUSLY " XXXX XXXX XXXX '' YOU CAN SEE THOSE ATTORNEYS STILL ON THE LETTERHEAD OF SELIP AND STYLIANOU ) ON BEHALF OF XXXX XXXX SAYING I OWE A JUDGMENT. MY WIFE AND I HAVE WRITTEN AND CALLED THEM AT LEAST 25 TIMES OVER THE LAST 13 YEARS TELLING AND REMINDING THEM THAT I DO NOT OWE THIS AND THAT THEY DO NOT HAVE A JUDGMENT AND STILL THEY SEND THESE LETTERS AND WHEN WE CALL THEY ARE NASTY AND INSIST THAT I DO OWE THE MONEY AND THAT I DO HAVE A JUDGMENT AGAINST ME. I AM AT MY WITS END.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XXXX 2017 and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to Equifax and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 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: Valley Collection Service, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Valley Collection Services for Valley Collection Services failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Valley Collection Services with a written explanation and request for removal from his credit report.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation or removal makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Effective XX/XX/XXXX, my previous mortgage company XXXX sold my mortgage to Nationstar mortgage. There has been nothing but problems since day one. The two latest problems are the most serious. 1. On XX/XX/XXXX, I received notice from Nationstar that they sent {$10000.00} to XXXX XXXX Az. sewer improvement district for delinquent taxes. I called the XXXX XXXX XXXX office and was told there was no money owed to them. I called them again today ( XX/XX/XXXX ) and they told me they never received the {$10000.00}, and if they had it would be returned to Nationstar as no money was owed. Nationstar says they have n't received anything back. Every time I call them they tell me it 's being investigated. I have requested documentation from Nationstar, but they either will not or can not provide it. I have now received notice from Nationstar that effective XX/XX/XXXX, my monthly house payment is going from {$390.00} to {$1100.00} to make-up the escrow shortage for the money that was never owed and is now missing. 2. On XX/XX/XXXX, Nationstar received a bill from XXXX XXXX XXXX in the amount of {$380.00} for homeowners insurance. On XX/XX/XXXX I received notice from XXXX that Nationstar had not paid the bill. I called Nationstar and they first claimed they never received it. They put me on hold for ten minutes. They came back on the phone and said they found it and would pay it immediately. On XX/XX/XXXX, XXXX notified me that the insurance was paid. On XX/XX/XXXX, I received notice from XXXX that there was a {$10.00} balance. I called XXXX  and was told the CHECK FROM NATIONSTAR BOUNCED. Nationstar had since sent a second check, and the {$10.00} was a bounced check charge. XXXX contacted Nationstar and they paid the bounced check charge, but had the nerve to take the {$10.00} out of my escrow account even though they had made the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
XXXX XXXX appeared on my credit report, today. I have not received any information from this company, a statement, who they are collecting for, nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
Company called my phone number and my mother's phone number on X/X/2017 asking for information on my location and gave a call back number of XXXX XXXX XXXX without identifying themselves or the company they work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NC

Complaint narrative:
BSI has failed to apply payments to the outstanding loan obligation pursuant to the provisions of Uniform Covenant 2 of the Deed of Trust, and the Periodic Payment Rules of Regulation X, which provide that payments must be applied in the following mandatory priority order of application : 1. Principal ; 2. Interest ; 3. Escrow ; 4. Late Fees ; 5. Other Charges or Advances approved by Applicable Law ; and 6. To Reduce the Outstanding Principal Balance.
Additionally, BSI has seriously mishandled the escrow account in this matter. Courts have recognized mortgage servicers breach of fiduciary duty in escrow mismanagement. The overarching errors are : A. Failure to board the current, newly modified loan and escrow balance properly in XX/XX/XXXX, leading to an inaccurate XX/XX/XXXX escrow analysis & resulting dramatic increase in monthly PITI payments and late fees and improperly reflecting account was in default and filing foreclosure.
B. Collection of insurance escrow from XX/XX/XXXX through XX/XX/XXXX yet failing to disburse those funds for borrower 's annual XX/XX/XXXX insurance premium, forcing her to pay it herself.
C. Failure to properly investigate and respond to borrower 's notices of errors and attempts to resolve this matter with BSI.
Please see attached Notice of Servicing Error for specific details regarding the errors and failure to timely investigate and correct. To date BSI has not provided a response to the XX/XX/XXXX Notice of Servicing Error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received correspondence from Wells Fargo advising there was an error in how my loan payment was being calculated and they would update that and me on what my loan balance should be. This revealed Wells Fargo was estimating my loan payment based on a 20 year repayment term instead of the 25 years on my promissory note. The correspondence provided to me by Wells Fargo advised that any late fees incurred as a result of this incorrect payment that was required will be reversed. I contacted Wells Fargo regarding any deferment taken during this time if an allotment would be made. The customer service representative advised me it would not and did not let me speak to management as I requested. The representative advised they could not assume had the payment been lower I would have been able to make it and would not have used deferment, despite the fact that they are assuming the same for late fees. I do feel a portion of deferment should be allotted back to my account based on Wells Fargo 's negligence. I do not think it is fair to require I use the same deferment for an additional 5 years, particularly when Wells Fargo is making the assumption late fees should be waved because of their incorrect payment calculation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
I had received a phone call in XX/XX/XXXX regarding debt with XXXX from FBCS Inc. I told them I did not have an account with XXXX and then received a letter in the mail from XX/XX/XXXX. The letter states I owe XXXX to XXXX. I lived in a rent house and the landlord/property owner had an account with XXXX for our home security. This was not my account, I did not agree to a contract and have never made a payment for this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: WA

Complaint narrative:
My transmission needed repair in XX/XX/XXXX and the cost was {$3200.00}. I needed financing for {$1500.00}, and XXXX approved me through the transmission repair company ( XXXX XXXX XXXX XXXX in XXXX ). My payments were set to be {$280.00} which I said I could not afford, and XXXX verbally told me they would work with me after I made a successful payment. My husband then lost his job, and when I called XXXX they would not negotiate and I could not make my payments. In XX/XX/XXXX XXXX emailed me with a one time offer of reducing my payments to {$150.00}. I called and accepted. Although my husband still has not returned to work, I have been saving my money to pay off this debt. I called XXXX today, and was shocked to learn that the {$150.00} payments I have been consistently making, have not even touched the principal balance. Even worse, the payoff balance is {$2000.00}. I offered to settle, and the customer service rep told me to " make an offer ''. I offered {$1400.00} and that was rejected with their counter-offer of {$1700.00} which I do not have. I have paid {$1700.00} in financing fees since last XX/XX/XXXX and I want to get rid of this debt. Attachments are included. This simply can not be legal. Thank you for any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: SC

Complaint narrative:
Hello my name is XXXX XXXX, and I have had an ongoing issue with Experian since XX/XX/XXXX. Experian has refused to remove incorrect information from my credit file with the exception of fraudulent inquiries. I have disputed this same information via fax, certified mail, and online and to my avail nothing has been done. There is currently an account that is duplicated. I just want my credit file to report accurately as I 'm trying to get things in order to purchase a home for my family and I. Attached you will find copies of my disputes and below is a list of the things that are currently incorrect. Duplicate Account XXXX XXXX XXXX Acct # XXXX Unverified Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX,XX/XX/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 2017-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and XXXX in XX/XX/XXXX, and Transunion in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: PA

Complaint narrative:
I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and Experian in XX/XX/XXXX, and XXXX in XX/XX/XXXX.  All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have disputed the validity of a Synchrony Bank/Care Credit account on my credit Reports. I sent a dispute directly to Synchrony Bank/Care Credit in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against EOSCCA for EOSCCAs failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from EOSCCA with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Just so happened to see this on my credit report. I sent a dispute letter and the company came back as it did n't have enough information to investigate. XXXX, They recieved my name, birthdate, so called origional creditor ... If these people can add this collection to the credit bureau, then they can find me in their system. If they " ca n't find me '' as they say, or fully validate any account, they have NO right to try to collect. It 's my right to request valadation or they must delete collection from report. Valadation includes any signed documentation that I have with them showing any connection between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was married. In XX/XX/XXXX when myself and my ex-husband both got loans for XXXX school. Due to the amount of the payments, we were approached to consolidate. The form that was issued is no longer in use due to lawsuit issues. It was written in a way that tied us both to the loan despite future situations. The loan at the time was $ XXXX. In XX/XX/XXXX My ex-husband and I were divorced. It was written in our divorce papers the split-out of our finances. I continued to make my payments and did not know my ex was not making his. There was no communication from the Financial company. I only found out because I called the FC and requested tax info and was told they were sending me to collections. This occurred a couple of times. I attempted to make my payments, but was told I could do that, but it would n't count unless I covered his payments as well. I explained our divorce decree and was told it did n't matter. In XX/XX/XXXX my ex died. I went to the FC and explained the situation. They told me I was still responsible for the loan. At that time, the loan amount, due to deferments created by my ex, the total was $ XXXX. I was responsible for $ XXXX/mo. I have been paying on this loan monthly for years. I am currently unemployed and can not make the payments. I was denied a deferment due to my ex 's deferments years before. I went online to see what my options are. I contacted the XXXX XXXX XXXX and was told that the FC should have re-evaluated the loan when I reported my ex deceased. They checked their records and verified nothing had been done. I was told to go past the CSR and request a supervisor. I contacted the FC again and was able to speak with a manager. I was told that I had to submit a death certificate and they would review it. I told the manager that I had not been given that information years before when I had called for help. I was told, XXXX for that. Since this joint loan was signed in XX/XX/XXXX, I have paid approx. $ 82k and approx. $ 1k in fees due to insufficient payments that I was not aware my ex was not paying. My ex paid approx. 9k before he died. The FC states there is still $ XXXX left on the loan to be paid. The way the FC handled this on the numerous occasions I contacted them for help, was in-excusable. The lack of concern and compassion is appalling. Because people did n't care enough to do their job, to take the time to communicate with their clients, I paid $ XXXX past the death of my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
This is a general complaint and observation. XXXX XXXX XXXX # XXXX has conducted very shady business for quite sometime. Whether loan app dates, loan apps, XXXX  decisions, closing, tolerance cures, many of their practices are not compliant.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation