vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX sold my mortgage servicing to Green Tree. Every since then it is taking XXXX3 weeks for my mortgage payment to get to XXXX, XXXX from XXXX, XXXX. They call my home before the XXXX and tell me I am late. Something is happening to the payment via mail. I do not want this company to debit my checking account for the monthly mortgage payment. This month I mailed my payment on the XXXXof of XXXX. Today is the XXXX and the payment is still not there. I have been sending my payment certified mail for the last 18 months. Please see below ; Tracking Number : XXXXImage of a progress bar displaying in-transit statusin-transitProduct & Tracking InformationPostal Product : Extra Svc : Certified MailDate & TimeStatus of ItemLocationXX/XX/2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXYour item departed our USPS facility in XXXX, XXXX XXXX on XXXX XXXX, 2015 at XXXX. The item is currently in transit to the destination. 
XXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXX XXXX, 2015, XXXXDeparted USPS FacilityXXXX, XXXX XXXXXXXX XXXX, 2015, XXXXArrived at USPS FacilityXXXX, XXXX XXXXBasically, I mailed my mortgage to GreenTree on XXXX/XXXX/15. It arrived in XXXX, XXXX on XXXX/XXXX/15. From there the post office supposedly sent it to delivery at GreenTree. However, the mortgage payment has disappeared. Most months it disappears for a week or so then it shows up. Something is wrong. I have 18 months of certified tracking show this problem. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK
State: OH

Complaint narrative:
Someone has stolen items from my wallet and accessed my computer and/or home network and sucked almost {$8000.00} from my checking account via my debit card. As I have already told Scottrade, there are many people that come and go from my home on any given day. So, it 's likely one of these individuals is responsible for what has happened. Now, I 'm on XXXX and have spent the majority of my time in bed for the past 30 days. Because of this, I have n't been aware of what 's been happening with my debit card. 
Of course I complained to Scottrade who basically blew me off and did n't even look into the matter. They denied my claim in less than a week and gave me their reasons for doing so. Their reasons include that the IP address seems to be consistent ( no kidding, duh ), the Scottrade account was accessed over XXXX times in the past month ( not surprising for a crook ), and they sent a fraud email that someone replied to that said the charges were valid ( this was NOT done by me ). Now, because of these things, they just assumed I must have done it. The people " looking into this '' are either extremely stupid or extremely lazy! 
There are several charges from a XXXX that according to them has my email on one of their accounts. This might be true, but it does n't change the fact that I did n't create an account with them. I have n't used my computer in months and rarely use my email. But Scottrade refuses to listen. They just take the easy route. 
So I did my own research on XXXX and learned they are some kind of options broker. They are unregistered and unregulated which makes them illegal in the United States. Being a broker themselves, Scottrade should know this. Also, what reputable brokerage firm would accept credit/debit cards as funding options? This is clearly a scam! I am including an attachment from XXXX that states the brokerage must be registered with the CFTC and the SEC to operate in the United States. Otherwise, they are illegal. XXXX is therefore illegal! I sent this attachment to Scottrade who apparently did n't read it. So, if Scottrade ignores the fraudulent transactions based only on circumstantial evidence, they ca n't argue with the illegal nature of XXXX. They should at least reverse those charges!

Company response to consumer: Closed
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc.
State: MO

Complaint narrative:
Collection of medical services I never received or agreed to or otherwise. I have called the agency reported on my credit file multiple times in good faith offering my telephone number and requesting they return my call in order to clear up the issue not a single call has ever been returned. 

Fileing disputes with the credit agencies has not gotten very far the collections have been removed from XXXX but not from XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I initiated a Deed In Lieu foreclosure in or around XXXX XXXX. As per guidelines, I listed the house for sale for a period of more than 6 months. At the time, we were not given an offer. In or around XXXX XXXX, we proceeded with Deed In Lieu paperwork. As time went on, I would receive letters that required notarized signatures. Around XXXX XXXX, during a routine call, I asked the Loan specialist when would the final judgment be declared. She said all paperwork and final cancellation of loan should occur around the end of XXXX XXXX to the beginning of XXXX XXXX. In XXXX XXXX, I called and asked for a status on the loan. She informed me the paperwork was " at the clerk of court for XXXX county ( parish ) awaiting title clearance for house. '' For four months, I called every other week and received the same response. 
On XXXX XXXX, XXXX, I spoke with loan specialist supervisor. He explained about a problem shellpoint had with the third party law firm that was contracted to finalize the paperwork. I was told that the law firm sent the paperwork and a check to pay off all outstanding taxes to the clerk of court and that it was {$25.00} short. The clerk sent all paperwork back to the law firm. During this time, that law firm closed down. A new law firm was contracted and was attempting to find all lost paperwork from original firm for more than 2 months. At that time, he said he would start new paperwork that would have to be resigned and notarized again. If old paperwork was not found, the new paperwork would take an additional 2 months to get finalized. I asked if, after all paperwork was completed, that my credit would reflect any past due amounts ending in or around XXXX XXXX due to the fact that the error and delay were on the part of Shell points vendor and not because of myself or my wife, the cosigner. He said he would call me back after paperwork was completed and speak about it. 
By XXXX XXXX, I received word that the Deed In Lieu was approved and finalized and would reflect on my credit file within 30-60 days. I asked about showing past due payments only to XXXX XXXX and was told they would look into it. 
Around the end of XXXX I received notice of a credit change on file. I saw XXXX and others showed past due payments to XXXX XXXX. I have since tried to call the loan specialist and supervisor and left several voicemails with no answer back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XX/XX/2017 XXXX did n't verify me by the last XXXX of my SSN. He did n't provide the mailing address of the creditor when I asked. He said he did n't have it. I asked if this was on my credit and he said he did n't know. He told me I did n't have to mail a dispute letter since I disputed the debt verbally over the phone. 
On XX/XX/XXXX XXXX did n't verify my last XXXX of my SSN. She told that it was n't a requirement. She told me that my account status is not in dispute because I did n't mail a letter stating I was disputing the debt. I told her that the previous rep told me that it was n't necessary. She said she was n't able to provide the address to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: Perfection Collection
State: NY

Complaint narrative:
I do not owe this " security '' company, XXXX, anything. Our service contract with them ended many years ago. They have failed to submit any paperwork to me to back up their claim that I owe them anything, after numerous requests, because there is none. Re quests to speak with management are declined. They just keep sending this off to different collection agencies, to whom I am sick of reiterating these facts. Then they just sell it to another company, hoping I guess, that i will just give into their extortion. 

They have now fraudulently placed a collection notice on my credit report. How can they do this? I have contacted the FTC, Department of consumer affairs, and next will be the State Attorney General 's office. I also believe I may take this to small claims court, and am considering joining a class action suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
In XX/XX/2016 I received a credit monitoring alert that I had a delinquent account. The account was XXXX bank showing a 30 day late. I had a credit balance and had a paper statement showing that. I contacted XXXX and was told that I had a credit balance and was not late. I asked them to send a check for the credit balance and to change the delinquent status with the bureaus. They said they would investigate and send me a written response. They did send a letter which stated they were reporting the account correctly. I filed a dispute with Transunion and received timely acknowledgement back from them. In XX/XX/XXXX I received another credit monitoring alert showing a 60 day late with XXXX Bank. On XX/XX/2016 I received a letter from Transunion with the final investigation details which show a current status on XXXX Bank. I thought the issue was behind me. Until XX/XX/XXXX when I received another credit monitoring alert showing a 30 day late with XXXX. I called and was told that I had a XXXX balance and that I was not late. I asked that the reporting issue be corrected and that I receive written verification of such. I have not heard from them. I had also asked that my account be closed. This has been an exhausting, time consuming and frustrating experience. My credit score has been affected which makes me very unhappy as I have never been late with a payment and maintained a high score. In reviewing the credit report that Transunion sent, XXXX Bank is showing XXXX accounts for me - I only have and have ever had XXXX account with XXXX. There is something very messed up between XXXX and the credit bureaus.

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 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed with Transunion on several occasions the following accounts ( see attached ) that are reporting inaccurately on my credit report : * XXXX XXXX XXXX XXXX XXXX I provided documentation to this bureau that XXXX XXXX is not licensed nor bonded to act as a collection agent in the State of Texas where I reside. Transunion did not respond within 30 days of my initial request as to the validity of this debt and what their investigation consisted of and who they spoke with at this company. The reporting of this account is in violation of Texas consumer law and my federal consumer rights under the FCRA. XXXX XXXX should be deleted as well due to the nature of its reporting. If this account is truly legitimate and they are the original creditor, why is there no payment history reflected nor the terms, or my high balance, or limit or payment status. All of these things must be reflected for accounts with the original creditor. Again, my rights are violated as a consumer ; therefore, both of these accounts should be deleted.

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 2015-04-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been disputing and requesting validation of a debt I do not owe for nearly 4 months now and EXPERIAN has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts. IN ADDITION THE OTHER XXXX BUREAUS XXXX AND XXXX HAVE ALREADY REMOVED THE ITEM in question, so it appears EXPERIAN wants to play by their own rules. The item on my credit report XXXX acct # : XXXX is falsely showing. Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the XXXX place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. 

I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good Afternoon I am submitting a complaint because there are hard inquiries on my credit report that I did not authorize. Equifax has reported XXXX hard credits I admit some are mine but there are several that are not. Listed below are these accounts and dates inquired. Thank you for looking over my complaint. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
I have a several complaints towards this company but this is the newest. I spoke with a " relationship manager '' at Select Portfolio Servicing. As instructed by the correspondence I received almost EVERY day and set up several monthly payments. I just received a check with a letter stating they wo n't accept a partial payment??? I then sent them a message to cancel the XX/XX/XXXX payment since they 're just going to return it. That was yesterday. Today the payment is attempting to come out of my bank account?? I do n't get it. It 's like one hand does n't know what the other is doing. I am also enclosing the fees they 've charged for supposed " home inspections, '' which I 've never witnessed anyone doing, only that a card was left on my door. This company does n't want to help at all! I 'm attaching one of the letters that have the so=called inspection fees. Why is there so many inspections? I 'm told it 's to make sure the house is occupied. The fact that we live here has NEVER been in dispute and has been confirmed many times with Select Portfolio so fees are wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I 've been trying to refinance my loan with Nationstar Mortgage for about a year. I 've put in a request on their website several times, only not to get a response. Finally, I called the XXXX number for Nationstar Mortgage. I finally spoke with someone that took my mortgage refinance application online. I was n't charged an application fee or no upfront charges. I have a XXXX credit score with excellent income, over $ XXXX a year. The current loan is an adjustable rate loan and I was trying to refinance to a fixed rate loan. At every junction, it seem as though they were n't interested. I 've never been late on the loan in XXXX years, so they have no incentive to refinance, because it 's in their best interest to leave the rate as is. But, after several conversations with XXXX XXXX XXXX XXXX, I began to feel like I was purposely being discriminated against. I have audio recordings of our conversation that suggest such as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc.
State: TX

Complaint narrative:
Optimum Outcomes has been reporting a fraudulent collection on my credit reports. I have a fraud alert on my credit reports. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit reports. Optimum Outcomes continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints against Optimum Outcomes with the TX Attorney General, the BBB and the NC Attorney General. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have X 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & NC Attorney General offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I sent a certified letter on XXXX/XXXX/2015 requesting validation of this debt. On XXXX/XXXX/2015, I received a letter from CMRE Financial Stating that this letter confirm that the request for deletion has been electronically submitted to all the credit bureaus. Unfortunately today is XXXX XXXX, 2015 and this negative account is still showing up on my records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Student Assist Plus LLC
State: TX

Complaint narrative:
I had loans from XXXX XXXX which were transferred to XXXX. I now have a loan through XXXX I was under the assumption that I was suppose to be paying a third party student assist plus {$30.00} a month, and it is set up on the XXXX of each month. Unaware that I am not suppose to be paying I have been. XXXX informed me that I have no need to pay this third party. So i was submitting this form to see if anything could be done about it, and if any way possible would I receive any of my money back.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I receive calls at least once a day from Diversified Consultants , Inc. trying to collect a debt that has been discharged in bankruptcy. I consider this intentional harassment, as they know, since the debt has been discharged in bankruptcy, they are absolutely not entitled to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I bought a phone from XXXX. The contract states if I return phone within 3 days then I will not be responsible for any fees whatsoever, talked to XXXX 8 to 10 times each of which I was told I did not owe anything and my 50 dollar deposit would be returned. Never received deposit back and they have been illegally reporting this as I returned phone within 3 days and have proof of return by XXXX receipt mailed back within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY

Complaint narrative:
I went to XXXX on XX/XX/XXXX for services i did not have insurance at the time and i was unable to pay the bill. I kept my billing information to eventually pay off the bill. i started to make payments toward the XX/XX/XXXX and i paid off the bill in XX/XX/XXXX. in XX/XX/XXXX i recieved a bill from a collection agency that says i owe XXXX dollars in which i do not owe. i continue to be mislead about my account and what is being done to fix this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief