vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc.
State: AZ

Complaint narrative:
I am applying for a XXXX year fixed rate mortgage with eLend also doing business as XXXX. On my original loan estimate that I received and signed the total cash to close is {$1900.00}. I received the updated closing documents showing the new closing cost of {$4600.00}. I have made multiple attempts to contact eLend and resolve this. I am unable to reach my loan processor or a team lead. I have only been able to speak with sales XXXX who has explained to me that there have been changes to the escrow withholding in addition to the title work and that is what is causing the change. The entire point of the loan estimate is to protect the consumer from bait and switch and in this instance that is exactly what is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I have not received notice of this account from the collection agency. I only learned of this account while monitoring my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Account Recovery Specialists, Inc.
State: CO

Complaint narrative:
XXXX Hospital and many other hospitals in Kansas and probably elsewhere are ignoring the Obamacare Rules supposed to be enforced by IRS and in 501 ( r ) of the regulations. Only one provision of that section has any fine imposed. Many hospitals are ignoring the rest of the rules, and their cpa firms seem to be encouraging that practice. The debt in my case was sold to XXXX XXXX 's law firm in XXXX Kansas. This is all explained in a court motion I made in the collections case, and the Treasury article attached hereto. Also the law firm attempted to pad the judgment by approximately {$200.00}. The said I owed interest and etc amounting to over {$1000.00} and needed to pay that amount to avoid going to a hearing in aid of execution.. Later they could not substantiate that amount and were probably hoping I would n't notice. The could only account for less than {$900.00}. This also is explained in detail in the attached court motion.

Company response to consumer: Closed
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Recovery Partners, LLC
State: OR

Complaint narrative:
XXXX XXXX sold a debt, the collection agency, listed as Recovery Partners LLC with mailing address in XXXX AZ, failed to verify. It stems from an incident that I was not part of. I do not know how my name and details were attached to be event, and so then to the debt. 
I live XXXX miles away, have never driven the type of vehicle involved, and have not been in that area for close to 40 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Western Portfolio Assets
State: TX

Complaint narrative:
Received an unblocked phone call and as left on my voicemail in regards to my son - they stated he had a warrant out for his XXXX. they need to process serve him in regards to a court summons in XXXX county and left a phone # XXXX XXXX XXXX with a case # XXXX - I called back, told them I was his mother and they left a voicemail for my son. I asked who they worked for and what was this about. and they refused to tellme who they work for. all I got out of them they were working a FRAUD case that there was a credit card taken out in my son 's name. I told him I will have him file apolice report because he barely turned XXXX they hung up on me. I called them back, he then accused me of opening a credit card in my son 's name, I asked for the original information and he refused. then he insulted meand called me names. I told him not to call my number again. - I asked for his manager another man came on phone and he refused his name or who he worked for.

Company response to consumer: Closed
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
I had an XXXX collection from XX/XX/XXXX for {$820.00}. I refused to pay the original amount to XXXX XXXX XXXX because it was for internet service that i asked to be disconnected on my kids cell phones. Somehow my 10 yrs activated the internet service on the phone and i was charged around {$200.00}. 
I disputed the charges but XXXX XXXX XXXX refused to remove the internet. I immediately cancelled the account. The bill was sent to collection. 
in XXXX XXXX i received a collection letter from XXXX NCO financial systems for the amount of {$820.00} and i was offered a XXXX discount to settle the debt. I took on their offer. 
I paid {$410.00} with my visa XXXX XXXX XXXX card on XXXX XXXX. 
I have proof of the payment, i have copy of their original letter. 
I never received proof of payment nor the settlement was reported to any credit reporting agency. 

Now for the last two years i have been receiving collection letters trying to collect the remainder of the original debt. SCAM. 
I have been receiving collection letters from XXXX XXXX XXXX asking to collect {$410.00}. 

To me this is illegal, I try to reason with them but to no avail. 
Please help. 

1 ) i am sending proof of original collection letter with offer of XXXX discount. 

2 ) proof of payment. XXXX XXXX XXXX card statement. 


3 ) latest collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: AA

Complaint narrative:
My mortgage servicer, PHH corporation, has failed to apply my mortgage payments properly. Specifically, when I make additional principal pre-payments, PHH assumes that a portion of my principal payments will be held for future mortgage payments. I can provide evidence of their distribution of my payments through attachments ( screenshots ). When I contacted PHH to fix the problem I was promised resolution by a foreign call center employee. The resolution of principal payment was scheduled to take place 10 business days after my request. XXXX days after my request PHH had not resolved my payment issue. Bottom line- PHH is holding large principal pre-payments as " future payments ''. Of course, this practice favors PHH as borrowers essentially provide PHH with a free loan instead of paying down their mortgage principal. Failure to resolve this business practice reduces " borrower morale '' and enhances the risk of default for borrowers that feel helpless. Given the reluctance of PHH to change this practice, borrowers probably feel that this process is a systematic attempt to keep people in debt for the full life of the mortgage. In this sense, PHH does not impose a pre-payment penalty, but deters pre-payment attempts through their business practices. 

Forensics : I have attached screenshots of my account activity with PHH. My normal mortgage payment is attached ( {$1100.00} ). On XX/XX/2015 I made a payment in the amount of XXXX ( see attached ). Minus my mortgage payment due XX/XX/2015, PHH should have posted an additional pre-payment to principal of {$3100.00}. Instead PHH posted an additional principal payment of {$2000.00}, paid the XXXX payment of {$1100.00}, and held onto an additional {$1100.00} for my XX/XX/2015 payment. In this scenario PHH assumes that I would rather provide them with with a no-interest loan than pay my mortgage down early. The XXXX 2015 payment that was held for " safe keeping '' was intended for principal pre-payment, not a free money loan to PHH. PHH has failed to rectify the error after I notified them of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. 

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure you are already aware of.You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Equifax, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
credit reporting said they verified some accounts that are not mine, and i requested information of the process used to verify the accounts and they Equifax refused, even after i sent a certified letter they still refused to send information, Istated that i had a right under the FCRA to receive copies in XXXX days after they receive my request and they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I reported a public record inaccuracy to Equifax and XXXX via XXXX XXXX. This item is a judgement that has inaccurate information. XXXX removed this item from my credit report due to not being able to verify accuracy. Equifax marked this item as " satisfied '' which is still inaccurate and refuses to provide me any information as to how this was verified per the FCRA 611 ( 15 U.S.C. 1681I ) that states that this information must be given to me or verified. They refuse to address the inaccuracies with me and refuse to resolve the issue. This judgement has never been executed by the courts or by the creditor and the original creditor has not provided any of this information to Equifax. Equifax used a third party to gain this information and refuses to verify the validity and inaccuracies to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
OpenAccount # XXXX $ XXXXBalanceXXXX XXXX PLUS XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXLast ReportedIndividualResponsibilityPlaced for collectionRemarksNotethis should have been removed a long time ago and yet it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was placed as an authorized user on a credit card without my consent. I have never used this card from XXXX XXXX XXXX XXXX. I have been writing Equifax for over a year to remove this item. I have also been writing XXXX XXXX XXXX XXXX. The account was charged off and I am not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX does not recognize IRS FORM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I filed XXXX bankruptcy in the XXXX XXXX of Indiana . In my petition, I listed all current accounts. All credit bureaus were properly notified, as were all affected companies. 
On XX/XX/XXXX, my bankruptcy was discharged. 
I logged into Equifax to initiate a dispute on several past addresses, and noticed XXXX ( image enclosed ) was still showing under investigation ( proof to the contrary enclosed ). It is also showing a derogatory status, with a balance. It has shown this during the entire bankruptcy proceeding, meaning Equifax has violated the automatic stay AND is culpable for reporting inaccurate information, thereby damaging my credit. Furthermore, there is a XXXX XXXX XXXX account you 'll notice on the enclosed image that is showing under investigation as well, although there is no current investigations according to the XXXX image. This is misleading and clearly a misstep on Equifax 's behalf. 
Moreover, XXXX addresses shown on my report do not belong to me nor ever have, and Equifax refuses to remove them ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I received a XXXX for year XXXX in my name from EquiFax. On XXXX/XXXX/XXXX I sent letter to EqiuFax which they ignored. XXXX/XXXX/XXXX registered letter to EquiFax requesting information as who was paid funds stated on XXXX as I did not receive them. Also this info should have been available to me prior to XXXX/XXXX/XXXX for income tax filing. EquiFax responded with their dispute form with " Result of our Reinvestigation '', " Please be specific with your concerns by using the account names, numbers, and the nature of the dispute. '' This is a cope out and delaying tactic by EquiFax as I enclosed a copy of their XXXX asking for a copy of who the disbursement was made to and any information where the funds were deposited. 

On the EquiFax web page the only phone numbers that I could find are those where you can not contact a live person and only speak to a robot. EquiFax will do everything to frustrate you in hopes you will give up. In their communications they never cross reference anything and do not respond to direct questions. I searched XXXX and found a number where I could speak to someone at EquiFax. 

I called XXXX on XXXX/XXXX/XXXX and spoke to XXXX who was very helpful and got me over to XXXX XXXX XXXX unfriendly ) who is in their Dispute division and he stated I needed to address this to their legal and I would have to do this thru a lawyer. He also stated that I sent my letters to the wrong dept. and I told him I sent it to the address on the XXXX form. 

I have had a dispute with EquiFax over the period from XXXX thru XXXX concerning a negative in my Credit Report. This was finally settled in a court case and there are no negatives in my report. 

I find EquiFax a horrible company which is beholden to the credit issuers and not the consumer who is an obstacle to their bottom line. All I want is the information related to this XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed the trade line on my credit report titled XXXX XXXX XXXX Acct # XXXX. Equifax is reporting status 60-90 days late, This is incorrect the account status should be paid as agreed, Closed. Equifax is reporting 30 days late in XXXX 2015 this is not correct, also reporting 90 days late in XXXX 2015 also not correct. The trade line is in the negative account section even though it is a positive Acct. Equifax refused to correct and claims they verified. However I verified myself with the creditor, and it does not appear the Equifax actually contacted anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax is reporting XXXX accounts on my credit report, refusing after XXXX written request for investigations to remove, and in violation of the FCRA, reporting information that has n't been updated by the creditor, so the true status is n't known or sought. The specific accounts are XXXX XXXX XXXX with account no. XXXX, and XXXX with account number XXXX to include XXXX inquiries that were obtained not with accurate information. To wit, if someone knows the name, and address of a person, and creates a social security number not the consumer, the actual credit report of that consumer will be visible, illustrating the actual social security number as well. This was done XXXX individual times on my credit report. In addition the aforementioned accounts have n't been updated in over XXXX months, and the credit reporting agency is acting as the creditor, which is against the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Chapter XXXX bankruptcy ; Bankruptcy complete. XXXX is showing as 120+ days overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
Seterus, Inc. is alleging that I have already had my " XXXX opportunity to qualify '' for a HAMP Modification. However, based on the history and handling of my prior requests for foreclosure prevention assistance, I do not believe that I have been given an unfettered opportunity to qualify for a HAMP. Moreover, as explained in the attached letter that CFPB is copied on, the attempted HAMP by XXXX was nullified by XXXX 's own deliberately improper processing of the HAMP and by the very language in the " Agreement '' itself, at Item XXXX, Section K -- titled " Additional Agreements. XXXX falsely reported to the U.S. Treasury Department that the " implementation process '' for the HAMP on my loan had been " completed ''. Then, with full knowledge that this reporting was false, XXXX proceeded to accept and apply Incentive money from the U.S. Treasury Department to the loan. This was all done by XXXX in a malicious effort to disqualify me from consideration of any HAMP modification in the future. When I refused to comply with XXXX 's request to correct its own error in the notarization of the Agreement ( after XXXX 's XXXX-month delay in even booking the modification ), XXXX proceeded with foreclosure process -- while at the same time having reported the HAMP as completed. When XXXX learned that I did not respond to XXXX 's letter, XXXX retaliated by cancelling my completed application -- requesting re-evaluation for foreclosure prevention ( My employment status changed during the XXXX-month delay ). The reason that XXXX gave was because I would not re-sign and re-notarize the Modification Agreement. But for the last-minute assistance provided through Arizona 's HHF fund, my loan would have been foreclosed on XXXX years ago. I believe that XXXX and/or XXXX have improperly, if not illegally, mishandled prior modifications on my loan -- preventing me from having an opportunity to properly be considered eligible for a HAMP modification. I would like the U.S. Treasury Department or other appropriate government agency to make the determination as to whether BofA/FNMA properly complied with the Servicing Agreements or followed appropriate guidelines regarding my prior requests for foreclosure prevention assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is still showing account balances for two accounts that I have paid in full, and are now closed. One with the XXXX and the other with XXXX.

Company response to consumer: Closed with explanation