vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a call today, XX/XX/XXXX, from someone calling from a " XXXX '' number stating that I was being sued. They stated they could not give me any information because they were only a process server and the file was sealed and certified. They attempted to verify my name and last 4 of my SS #. I told them that the name they were verifying was incorrect, but the last 4 of the social were correct. I again asked them for more information regarding the company etc. to which they responded they did not know but would connect me with the company if I wanted further details. Upon being connected with the company, they told me the call was being monitored and recorded for quality assurance purposes and attempted to verify my name and last 4 of my social. I again told them that they had the wrong name. They said they were a mediation service trying to serve me for a lawsuit, plaintiff being XXXX Bank. I asked them what the name of their debt collection company was and they insisted that they were only mediators attempting to locate me for the suit. I then asked them from what year is the debt, and they stated XXXX. I asked them why they were trying to collect on a debt that was more than 10 years old. They stated that they were not collecting on a debt, but only trying to notify me of suit. I told them that I had no knowledge of the debt, and then asked them what their address was because I would be filing a legal suit against them. The CSR told me XXXX, TX, and I asked if they were licensed and bonded to collect in Ill. They then stated that they did not have to be as they were not a debt collection agency. I again told the CSR that I did not have any knowledge of the debt. Upon further investigation it does look like this is a debt collection agency and that they are misleading with false misrepresentations about what kind of business they are operating. Furthermore, under the FDCPA laws they are not legally allowed to collect on this zombie debt of more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted EQUIFAX on several occasions, notifying them of their violations, yet they continue to violate the FCRA. They continue to report a " monthly payment '' on account that has been closed for years. EQUIFAX continues to respond, with a letter saying the account is " verified ''. Reporting an monthly payment on a closed account is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE CORPORATION OF THE SOUTH
State: AL

Complaint narrative:
I entered into a mortgage at a 20.70 % interest rate I have tried to work with the company.They put a block on my account when I was only 60 days behind .They foreclosed on my property but had to reverse it because they didnt notify us .The loan was in negative embolization From the beginning which they are designed to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OPEN MORTGAGE LLC
State: VA

Complaint narrative:
I got a letter from Open Mortgage dated XX/XX/XXXX saying I was not approved for a reverse mortgage. however, I never applied for a loan! 

the loan number is XXXX, the address for them is XXXX XXXX XXXX XXXX, # XXXX, XXXX Tx XXXX by XXXX I tried calling but couldnt get through. I dont know these folks, but I want to make an official complaint. 

Thanks for your help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: Williams, Alexander & Associates, Inc
State: MI

Complaint narrative:
Hi, i woke up one morning, about a month ago, with a note on my XXXX XXXX   that on XXXX there was a Collection of {$940.00} from Williams & Alexander Association From a XXXX Division as original Creditor. I call the collector on XXXX, and they could not find me on their system. I gave my social and my address and they said they send a bill for more than 3 months to XXXX, NJ in some address that i never lived. I live in XXXX  for 3 years, and I was living in XXXX before where i had my house. I never received any letter from them and never had any collection issue on my credit. This is completely fraud and scan on my credit. I fill out already 4 disputes with XXXX ( XXXX, XXXX, XXXX and XXXX ) and my credit continues going down. Yesterday the collection took place on XXXX   and I fill out a dispute immediately as well ( XXXX ). I keep calling this collection agency and they keep saying that this does not belong to me, but they do not remove this derogatory mark from my credit. It's been a month like this fight and I'm getting nowhere. Please help me to clean my credit it went down almost 50 points. I really need help with this. This is insane how come a collection use my social to charge me something that does not belong to me without sending me any notification??? Please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN

Complaint narrative:
XX/XX/XXXX I submitted a " Total and Permanent XXXX '' form by my Doctor from XXXX County Medical Center, XXXX, MN to the U.S. Department of Education for a discharge of my student loan which took effect that year. Now 6 years later The U.S. Department of Education 's Loan Servicer " XXXX '' of XXXX, NE ( XXXX ) XXXX is trying to collect on this discharged loan.They are lying telling me over the phone that they have no information about my XXXX loan discharge and that XXXX took over as a New Contractor for Dept.of Education in XXXX. They Maliciously had their collection agency " XXXX XXXX XXXX XXXX XXXX '' take my XX/XX/XXXX EIC tax refund of {$63.00} and my XX/XX/XXXX Minnesota tax refund {$1500.00} this is theft. I filed a Complaint with the Minnesota Attorney General 's Office. Now these vindictive people has a 3rd party collection agency XXXX of Colorado harassing and threatening me for a debt I do not owe! These malicious and lying people at XXXX are requesting another Discharge Application from my Doctor and/or Social Security Admin. to again discharge this loan a second time, this is Fraud! Please tell this collection agency XXXX in XXXX XXXX, CO ( XXXX ) XXXX to stop calling and hanging-up on me, they are in violation of the Fair Debt Collection Practice Act. Please tell XXXX XXXX XXXX to Cease and Desist and for them and XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO ( XXXX ) XXXX ) to return my money they have stolen from me and Cease and Desist from taking my tax returns. 
They have also violated the 120 grace period from XX/XX/XXXX since filing my Discharge they were not supposed to take my tax refunds under this 120 day stipulation. These people are all unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NE

Complaint narrative:
On XX/XX/2019, we received a letter from Flagstar Bank regarding instructions for our request to cancel the private mortgage insurance on our mortgage loan. The cost for doing this, as stated in the letter, is {$120.00}. The letter gave instructions for where to send a check in that amount and that a representative will contact us to set up an appointment. The letters are attached with this complaint. 

Nowhere in the letter does it state that an additional fee MAY be changed, only that the cost for canceling PMI is {$120.00}. 

Flagstar deposited the {$120.00} check on XX/XX/19. 

On XX/XX/2019, Flagstar Bank sent us another letter stating that there would be an additional fee of {$100.00}. If we wanted to cancel PMI, we needed to send in the additional {$100.00}. 

This, in my opinion, is fraud. Flagstar Bank did not inform us of any additional fees. They deposited our check and then informed us that if we still wanted to cancel the PMI, we needed to send them an additional {$100.00}. 

This is one example of many instances of poor customer service and dishonest practices that we've experienced with Flagstar Bank. Calls were not returned. At least one formal complaint with Flagstar Bank ( XX/XX/19 ref. # XXXX ) was ignored. Other issues regarding the endorsement of a check for our roof repair due to hail delayed payment to the roofing contractor for over a month. 

All of the calls with Flagstar Bank were recorded. However, since there is identifying information included on the calls, I won't attach the recordings. 

Thank you for your follow-up.

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 2019-08-12 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: Credit Karma, LLC
State: MI

Complaint narrative:
I just turned XXXX so I wanted to sign up for Credit Karma for a credit report. It told me my personal information was wrong even though everything was right. So then I tried XXXX and even the free annual credit report and all say my personal information is wrong. I don't know what's wrong or how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Friday XX/XX/19 at about XXXX CST I sent a payment of {$300.00} to an email address in exchange for concert tickets. The tickets were not sent, and within 30 minutes I realized I had been scammed and immediately contacted Chase Bank. The payment was sent via XXXX, and Chase advised that they do not consider this fraud as I sent the payment knowingly. Despite not receiving the goods/services I paid for, they would not reverse the transaction. Chase said that if my account was hacked, they could reverse it - so we know it's possible, they were just unwilling to help stating that this is more of a wire transfer and that I am responsible for any party I send it to. The recipient told me they used XXXX XXXX XXXX, but Chase was also unable to verify that for me. I am a clear victim of fraud in this case and have reported this to local authorities as well. I am seeking help in working with Chase to reverse the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
I am having a problem with Advanced Resolution Services INC. they will not provided me proof of verification of a Bankruptcy Chapter XXXX on my public records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on my credit report. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of the accounts on my public records. I have enclosed a copy of the method of verification letter that was sent to Advanced Resolution Services Inc. as well as a letter from the Illinois Federal Bankruptcy Court stating they do not give any information to any third party Advanced Resolution Services INC. Also my Social Security Number is not listed as well as my address is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I withdrew {$1500.00} from CashNetUSA, and paid them back {$1500.00}, resulting in a remaining account balance of {$1300.00}. I have paid them back 100 % of the amount withdrawn and they claim i still owe 90 %. So what they are representing is in order to pay back {$1500.00} i will end up paying them {$15000.00}. Which means 1,000 % interest on loans! They have taken 7 payments in 4 months, XX/XX/19 - XX/XX/19, and will continue unless someone saves me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : 10 XXXX   XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX ( Original Creditor : 11 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 2019-08-12 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} ( THIS IS A DUPLICATE ACCOUNT )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage was purchased by NewRez in XX/XX/2019. After receiving their introductory email, I set up an online account requesting that all communication-even statements-be sent electronically. To this day, I have not received one mortgage statement from them. I have contacted them to complain, voicing my concern that they are doing so intentionally so as to collect late fees from their consumers. Despite my complaints, they have not corrected this. I do get marketing emails from them, so I know they have the correct email. This may be a IT error on their part, but I don't know why it has not been addressed yet. As an educated consumer, I continue to make my payments on time. I don't know if this could be true of other consumers, which raises concerns that NewRez may be trying to take advantage of these consumers. I am considering re-financing with a different lender, because I think their policies ( or at best their inability to fix errors ) is concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
We did a mortgage modification because we could not afford the payments of approx. {$1600.00} a month that became final on XX/XX/19 with the new monthly payment of {$1400.00} beginning XX/XX/19.

On XX/XX/19 I called Carrington Mortgage to see if I could make the XX/XX/19 payment early, I spoke to XXXX who then told me that the payment was now {$1500.00}. I explained to her about the Modification however she said that is the amount in her system of the payment due.

On XX/XX/19 I called Carrington again to ask what the payment amount is and first spoke to XXXX  who told me {$1400.00} but then transferred me to XXXX who told me we owe {$570.00}. I was then transferred to XXXX  who then tried explaining that they did an Escrow Analysts and came up with these new figures. She then stated that if I had a " Conventional loan '' they could work with the numbers but since it was a FHA loan they couldn't.

Then on XX/XX/19 we received a monthly mortgage statement stating that we owe {$2000.00} for the month of XX/XX/XXXX.

We are very upset that we haven't even made our first payment yet and the amount has changed several times.

Why wasn't an Escrow Annalist completed before the signing of the modification?

We do understand that escrows change from time to time but we know for a fact that neither our taxes nor our insurance have went up since the signing of the mortgage modification on XX/XX/19.

Had the analysts been completed prior to the agreement of the modification we would have had a better understanding of the monthly payments due.

At this point the modification was basically useless because our payments are right back to not being affordable before we could even make the first payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reporting agency states the credit card company certify the information is correct they sent to them to report. We did not receive the certified letter with a wet ink signature to whom made such claim that the information they have is accurate. 
Date of event : XX/XX/2017 Amount : {$520.00}

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 2019-08-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GUARANTEED RATE INC.
State: IN

Complaint narrative:
The issue is with this company. I gave them permission to pull credit once, but not a second time. They did it a second time without any authorization and it surprised me when it showed up on my credit report. 

GUARANTEED RATE INC via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual The authorized request was on : XX/XX/2019 The unauthorized request was on : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Canceled my account with no reason given other than that I have to view user agreement and also would have to obtain a court ordered subpoena to find out why This is through PayPal and the email used is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following company ran unauthorized credit inquiry on my credit report. This is suspicious to me and so kindly delete asap : 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