vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
My mortgage holder, Select Portfolio Servicing ( SPS ), performed an escrow analysis on my account and mailed me a letter informing me of such in early XXXX XXXX. In the letter, I was informed that, based on their projections for the year, I had overpaid my escrow by about {$700.00} and that I could expect a refund. No timeline for the refund was provided in the letter. 
Maybe a week after receiving the letter, I contacted SPS to see when they might be mailing me my refund. I was told the check would be mailed on XXXX XXXX XXXX. I waited for the refund to appear in my mailbox and it never did. 
I contacted SPS in mid XXXX XXXX and was told the check was mailed on XXXX XXXX XXXX. They were surprised that I had n't gotten it in the mail yet and I was told that the check would be cancelled and a new check issued. During this conversation, as in all prior and subsequent conversations, I was prompted to verify my property and mailing address ( they are the same ) with SPS 's call center representatives. 
I have been in regular contact with numerous SPS call center representatives in the past 3 weeks or so ( none are able to give me their direct contact information, as they are 'call center ' workers ) and none of them has been able to verify for me where my refund check is and when I might see it. The best answer I 've gotten is somewhere along the lines of 'I 've alerted my supervisor and noted it in your record '.

I understand federal law ( RESPA ) requires companies like SPS, following their annual escrow analyses, refund any escrow overpayments of {$50.00} or more to the lender ( s ) within 30 days. My concern is that deadline has come and gone and I still have n't gotten my refund.

SPS has my correct mailing address. Otherwise, I never would have been alerted to their analysis of my escrow nor my escrow overage in the first place. I suspect they never sent me a check on XXXX XXXX XXXX and are in violation of federal law. 
Also, XXXX is coming ; I want my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I register for a class ( XXXX XXXX XXXX ) at the XXXX XXXX XXXX, that same day I got an email from XXXX XXXX " XXXX '' XXXX that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the XXXX XXXX XXXX course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX XXXX XXXX, XXXX. ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

Low and behold they did, they sold it to Conserve who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I recieved a copy of a collections bill from XXXX XXXX XXXX and would like debt validation from them and XXXX XXXX- I have been disputing the validity of this debt and it continues to not be validated.

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 2017-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: WY

Complaint narrative:
Today XX/X/17 they called me then called my sister saying they have issued an arrest warrant for me cause payment bounced and it 's been months

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 2017-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Account number XXXX Legally paid in full This account was opened the X/XX/2015, Legally paid in full, I do not know why it is reporting as in collections and as a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX  twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

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 2017-12-06 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: VA

Complaint narrative:
Experian has been provided with prima facie proof that fraud is involved with respect to XXXX XXXX XXXX Account number " XXXX ... '' ( Truncated on Credit Report ) yet elects to be willfully complicit in said fraud with XXXX XXXX XXXX. 

Experian has a fiduciary interest in asserting that said account number was 30 days late when it knows of said fraud and is thereby engaged in racketeering. After being provided with proof, Experian has engaged in willful obstruction by not permitting us to dispute the account online citing that our disputes are frivolous. 

Our disputes can not lawfully be deemed frivolous since Experian is aware of the Fraud. 

Populating our accounts with " Fraud Alerts '' ( as Experian has done in it 's efforts to willfuly obstruct us ) does not exonerate it 's responsibility under the FCRA. Populating our accounts with Fraud Alerts causes injury to Experian 's claim that no Fraud is involved. 

This is Experian 's Notice of Intent, binding upon it in with respect to administrative body or court of law that it has now violated the Fair Credit Reporting Act on several counts. 

I kid Experian not, we will wind up in court REAL FAST if the derogatory information for this account is not removed from our credit reports soon.

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 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In XXXX XXXX, I began receiving numerous debt collection letters from Resurgent Capital Services for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent Resurgent Capital Services a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very XXXX XXXX XXXX. Despite my letter telling Resurgent Capital Services to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I applied for a card some time ago, I was approved however never received a card nor did i receive any bills. As such there should be no way that I would receive a negative ding on my credit reports if I never got, used or even activated said card. I need this to be resolved. I now want nothing to do with this company at all, I want the negatives to be removed immediately.

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 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Upon checking my credit report I noticed that I have a ding on my report for something That should not be there. This account was closed years ago due to the fact that the fitness club did not open within a reasonable timeframe from when I signed up. I moved out of state and notified them that there was not a club near my home and for that reason, I was informed that my account would be closed. In addition to the aforementioned, I never received a " dunning letter '' or anything notifying me of this alleged debt prior to it being placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: MS

Complaint narrative:
In 2 days I have received 10 phone calls from Allied Interstate debt collection from 10 different phone numbers. They never leave a voicemail and always call from a different number to dodge being blocked. This company has made no attempt to contact me in writing so I have no idea what their supposed business with me is. I have done internet research on this debt collection company and they are notorious for harassing consumers and are the target of many lawyers who specialize in debt collection harassment.

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 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit card was charged {$24.00} on XX/XX/2017 for a credit report which I do n't remember ordering or signing up for. I tried calling Experian who put through this charge on my credit card and twice I was told by their telephone prompts at XXXX that my wait time to speak with someone about this is over 1.5 hours. Really? to make matters worse, their online support page tells you to call this same number to resolve the issue. This is ridiculous. How can a Credit Bureau of all person ask an affected consumer to wait 1.5 hours on the phone to address an issue with them. I need to cancel whatever arrangement they have on file for me regarding this and I also need to be refunded. I have since cancelled my credit card to avoid further charges. 

Please help

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 monetary relief
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Wednesday XXXX/XXXX/XXXX, I received an automated call to my cell phone from XXXX XXXX XXXX. The recording stated a complaint has been filed against me. " I have been retained to serve you at you residence or place of employment ''. The automated recording gave a " File Number '' XXXX, then stated that I have been officially notified. I called and spoke to a man who stated that I 'm being charged with breach of contract and attempt to defraud a financial institution. They 're stating that I owe Chase Bank {$3400.00} and they are pursuing me. They 're offering {$1200.00} to settle and dismiss the case. I HAVE THE CALL RECORDED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I currently work at a XXXX XXXX than the one I bank at. I have decided to change everything over to this new account and change everything out. I thought I had everything coming out of my new account, but three of the people pulled it out of the old account. I did n't want to close out the old account incase something were to come through I wanted to make sure things were taken care of. Only XX/17 a withdrawl of XXXX came out from the XXXX XXXX that was not suppose to. I figured I would take care of that and the overdraft asap. When I checked the account I was noticed a few fees on the account. When I called the XXXX, OH branch of PNC I was told that they charge XXXX dollars for one day, XXXX for two and XXXX for 3 up to 14 days. He informed me that I was almost at the 14 days when this took place. This has resulted in XXXX dollars worth of fees. I was told that they would see when they could do so that I could close out the account, but that I would just have to check the account. I have since has 2 more things come through, both of which were suppose to come out of my new account that has given me yet another overdraft fee. I am okay to pay the things that have come out and take care of what I need to, but it is my understanding that it is against CFPB regulations to charge an already overdrawn customer fees per day for being overdrawn. I would relly like to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A company by the name of XXXX XXXX has obtained my personal credit without my authorization twice in XXXX. They have obtained my credit on XXXX XXXX, XXXX and XXXX XXXX. Every time i have called them they said they had no clue who i was or do not have a application on me. They begin to tell me they will remove the inaccuracies of the hard inquiry on my credit but do nothing. This is fraudulent activity and i am requesting help to have this removed from my personal credit file with Transunion 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 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
On XXXX XXXX, XXXX I register for a class ( ENSU XXXX XM ) at the University of Illinois, that same day I got an email from XXXX XXXX " XXXX '' Day that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the University of Illinois course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX & FUDGE, XXXX ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

XXXX and behold they did, they sold it to XXXX who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I received an email for a loan over the internet saying I was pre-approved. I filled out the information and was sent to a page that showed me a loan amount and the monthly payment the next page you click is to get the interest rate and other information before accepting the loan. When I clicked to go to this page the loan was confirmed and then i got to see the interest rate which was right at 60 %. I tried to call them and ask them why my rate was so high but could not get an answer. The information I reviewed said loan would be around 35 % which is very high but I really needed the money to keep a home for my children and me. I have since talked to them and they say I knew what I was getting I have been paying on loan for almost three years and the balance has went down only a few hundred dollars all of the first three years are almost all interest. I am a XXXX veteran and I take lots of XXXX for XXXX and I thought I was getting a loan that I could afford but the hidden rates and payment schedule really caught me off guard and now I have roughly two and half more years to pay these criminals that would take advantage of a XXXX XXXX person and charge 60 % interest to that I will end up paying over {$14000.00} for an {$5600.00} loan. I ca n't believe this is legal. I got a loan paper in the mail today from another company with rates as high as 175 %?? Please help at this point I have paid them back over {$8500.00} and I only borrowed {$5600.00} total. Please help I have tried to work out a deal with them and they said they would rather have nothing than help me out.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX TD Auto Finance XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX

Company response to consumer: Closed with explanation