vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that XXXX and Equifax had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the Equifax report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either XXXX or Equifax that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed. It is also now showing up as XXXX different creditor names.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was contacted by phone # XXXX with XXXX XXXX to pay off a loan through ACE CASH EXPRESS back in XXXX first they had an office with the XXXX COUNTY call me telling ot me to XXXX XXXX or a warrant will be in my name come XXXX. this was originally done 2 months ago. i thought this was legit bc i called the XXXX county office and also looked up their phone # online and it was verified that it was with the XXXX county office so i paid a total amount of XXXX i have the receipt and letter showing it is now paid off in full. they still answer their phone and the ace cash express dept that i had on my credit report is now gone and closed. i just received call yesterday from a XXXX XXXX XXXX with the dept of justice with XXXX from phone # XXXX account # XXXX stating that i owe XXXX for a payday loan with ace cash express and that they will go forward with fraud charges if i dont pay that amount. i am really scared and worried that this might be real bc i dont want to get arrested for something i already paid and is now off my credit report but i have the supporting documents to show that i paid and i also called ace cash express and spoke to the collections dept and they stated i have a XXXX balance. i also spoke to my lawyer and my lawyer ( XXXX XXXX ) advised me to ignore the call bc the dept of justice does not harrass people to make payments on a loan. i am terrified that i might get arrested and have not been in trouble with the law and i have XXXX daughters that i am supporting and i can not miss any work and i am a single mother who does not receive any kind of goverment assistance or child support. i wouldnt want my girls to see me get arrested if this is real. i couldnt evven sleep last night bc of this call. she was mean and rude and couldnt answer and wouldnt answer my questions about the debt. please help me. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Shapiro, DiCaro & Barak, LLC
State: NY

Complaint narrative:
I XXXX XXXX believe that under the modified Fair Debt Collection Practices Act that I should have all aspects of foreclosure ceased against my home until I can package all documents necessary for a mortgage modification. When my wife went through a XXXX, she had to leave her work that paid more than {$30000.00} per year. I had to take an extended leave of absence from my job, but I am fully employed again. In XXXX of XXXX I was involved on a conference call with the representatives of XXXX XXXX XXXX, Shapiro, DiCaro & Barak, LLC and the clerk of the court. During that discussion, I was given until XXXX XXXX, XXXX to present all my documents to Shapiro, DiCaro & Barak LLC. I will have a complete modification package within the next week, and it looks like my wife will be able to start work XX/XX/XXXX. On XXXX XXXX, XXXX, the law firm filed a Notice of Motion proposing the granting of Summary Judgment on my case. I am burdened with a great deal of medical debts as well as additional debts I defaulted on while my wife was sick. I intended to obtain a mortgage modification, then file a bankruptcy petition Chapter XXXX to alleviate all debts outside of the bankruptcy. I can not deal with the excessive pressure presented against me now. I need all foreclosure actions to cease under my rights with the Fair Debt Collection Practices Act mandate of XXXX XXXX, XXXX until a resolution on a modification can be accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: VA

Complaint narrative:
I have received reward dollars on a Debit card issued by Money Network. They have my money on the account and are holding it claiming the Federal Government requires them to collect sensitive personal information about me before they will release the funds. Everything I see and read about this Money Network is a horrible review and I 'm in fear that my personal information is now in jeopardy. I wish to report their business practices and unreasonable demands on their patrons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: UT

Complaint narrative:
I used Xoom.com to request a money transfer on XXXX XXXX, 2016. I received notification that the transaction was complete on XXXX XXXX, 2016. I use this service almost every month to transfer from my XXXX account to my XXXX account with no problem. This time I was travelling to the XXXX to be with family for XXXX and so, transferred a larger amount than usual {$1000.00}. XXXX I got to the XXXX, I was notified that my standing order to a XXXX company had been returned unpaid. This prompted me to check what had happened and I found that my {$1000.00} had not been transferred to may account. I have been in contact daily with Xoom, com since then and each time, they just say that they are waiting for an update from their partner ( I assume XXXX ). It is now 13 days since I requested the transfer and 9 days since they confirmed that the transfer was complete and I still have not seen the money. It left my XXXX account on the XXXX of XXXX. So Xoom.com has my money and is making interest off it, whilst I 'm unable to pay my standing orders!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
First of all 21st Mortgage took over our loan and they are difficult to deal with. First of all we are behind 2 months going on 3 months and I called them to make a payment and they said that they wouldnt accept the payment unless we give them detail or plan on what to do with the delinquency. I ask them to write a letter that they are not going to accept my payment but they refuse and said to mail it and that I did. I also told them that i am being audited by the Franchise Tax Board because it doesnt show with Franchise tax board that I am not one of the owners and that they only declaring XXXX person as the owner instead of XXXX to the IRS.. They wanted a proof of the letter from the Franchise tax board so that they can call the them to talk to them. They also wanted to know who is our accountant so they can investigate. That day that they didnt want our payment instead they sent a letter which I will attached that now we owe four months. They had previously sent someone at the property to collect the mortgage payment. They have been forcing us to file for loan modification and we had informed them that when we filed for a loan modification instead of us getting our payment lowered it had increase our payment and as of now Im being garnished by the Franchise Tax Board for not being one of the owners. I had been asking for a monthly mortgage statement to see how much we had paid, interest, but they said that they dont provide mortgage statements. They had also been calling my mom, my sister to which they are not part of the loan. When making a payment with them its so difficult because it goes from the customer service to the financial counselor to the supervisor then you need to inform them when you making the next payment. Ever since they ( 21st mortgage ) took over the loan w have so stressed out with them calling night and day including saturday early mornings.That day that I was making a payment and they wouldnt accept it they were on the other line calling the Franchise Tax Board and wanted to talk to them regarding the audit. Thats too personal and that the mortgage comp has no right to call the Franchise Tax Board and also wanted to know the name of our Accountant so that they can investigate and they were saying that our accountant is not good and that he doesnt know what his doing when filing for taxes. I even told them that it is illegal for a mortgage company not sending a monthly mortgage statement. We had fax the letter we received from the Franchise Tax Board to the mortgage comp because they wanted a proof and that they said they were going to deal with the Franchise Tax Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
I was served with eviction paper from a man claiming he bought MY home from American Financial. I have tried several times to contact American financial several times with no response. American Financial claims to have loaned money to my deceased husband. But all papers filed were dated after his passing. They refused to work with me because I was not on the note. The house is in my name solely. I never heard of any loan before his passing. Now this company sold mine and my children home. I am a young widow, with no money to even get an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: TN

Complaint narrative:
My mortgage is with BSI Financial. They claim I am behind XXXX payment on my mortgage. However, they refuse to take my calls. My so called " agent '' handling my affairs is either quitting, unavailable, or on the other line. I have had XXXX agents assigned to me since XXXX 2015 ; The XXXX was XXXX, who never would return a call. XXXX was XXXX XXXX, who cold called me XXXX to collect but would never again be heard from. Now, I have been assigned to a XXXX XXXX, who is following suit. XXXX have quit, so they claim, the XXXX will not return my calls or give me written proof of their claim against me. 

Also, there is a middle manager, XXXX XXXX, who I spoke with some XXXX ago. She said I have not fallen behind and that the clerical error was in fact BSI fault. She also told me over the phone that she would wave all fees associated and that I was in good standing. Unfortunately she did no such thing. The fees and everything persist. 

I called this week and a XXXX answered the phone. He claims that he has never even seen XXXX, that she does not take calls from customers, he even told me that she has no phone extension. He was very defensive and rushed me off the phone. 

Yesterday ( XXXX XXXX ), I left a message for XXXX @ XXXX and heard nothing. So I called XXXX and spoke with XXXX XXXX and she contacted BSI. At XXXX ( BSI closes @ XXXX ), XXXX calls but I am unable to answer, not to mention I did n't expect a return call at closing. I immediately called back, but she does n't respond. Called her again XXXX XXXX at XXXX ... nothing. 

I have begged for months for these people to simply give me, in writing, a legible printout of where I have missed a payment. I have begged for someone to contact me and simply discuss the matter. XXXX minutes would do. 

There are easily found sites where people have made similar complaints. BSI Financial is running a scam. They are simply scamming people out of thousands of dollars using intimidation and threatening to ruin credit, harassing phone calls, etc. 

http : //www.consumeraffairs.com/finance/bsi_financial_services.htmlhttp : XXXX : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC
State: WA

Complaint narrative:
A company called XXXX worked on raising capital for my XXXX ( XXXX ). They secured and authorized a {$56000.00} loan for my company through Loanme.com. Before the loan was funded to my corp bank account, XXXX withheld {$5000.00} from the loan and Loanme.com withheld an additional XXXX % totaling {$5600.00}. The loan I received was for {$45000.00} in XXXX 2015. What I know now, is that my monthly payment on this loan is XXXX a month for 10 years totaling {$520000.00} payback. That is over XXXX dollars on a loan I never initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CO

Complaint narrative:
Effective XXXX/XXXX/16, XXXX XXXX XXXX XXXX XXXX XXXX ) sold my mortgage to BSI Financial Services.I made my XXXX 2016 payment of {$880.00} to XXXX and they notified me that my loan adjusted effective XXXX/XXXX/16 to 3.50 % and the new payment would be {$980.00}. As of XXXX/XXXX/16 BSI is charging me {$1500.00} ( with the 3.50 % adjusted rate ). I have contacted XXXX who said that the {$980.00} amount is correct. I have contacted BSI repeatedly and they said that they are working on the paperwork and the correct loan payment amount. My concern is that I will be charged late fees and that the interest rate will change. Today is XXXX/XXXX/16 and BSI has still not resolved this issue.

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 2015-10-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I cancelled my XXXX XXXX on XX/XX/XXXX, at the time of disconnection they provided me the amount of my outstanding balance, which I paid via credit card over the phone. Today ( XXXX ) I received a collection notice from Credit Protection Association L.P. on behalf of XXXX XXXX. When I called XXXX XXXX they informed me that they made a mistake in the calculation of the final payment due, and adjusted it after I made the final payment. XXXX XXXX NEVER notified me I owed anything else, no mail, no email, no phone call -- they just put me into collections. I made the payment today, I would have made it sooner had I known that I owed them money. Putting me in to collections without ever sending me a bill is unethical, and now I have damage to my credit rating through no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of Hipaa. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a Hipaa Violation letter to these reporting collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
Keep getting called for a debt I do not owe. I 've called them XXXX times to ask them to remove my number. They are asking for a person who I do not have contact with. They keep telling me they will remove my number but it has yet to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
Continuation from original complaint : XXXX. Reviewing the initial package we sent in and comparing with the latest requests in letter ( dated XXXX/XXXX/XXXX attached ), we had already sent in all of the documents that were being re-requested. I called Bayview to discuss as well ask a few followup questions on the latest request. The calls were placed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX without any reply. We could n't wait anymore and had to send in the requested info as stated by XXXX/XXXX/XXXX to meet the deadline. 

After at least 10 attempts to contact XXXX XXXX in a 2 week period, I submitted my initial CFPB complaint. I also sent him 1 last email on XXXX/XXXX/XXXX asking him to please reply to my email with a time that I could call his office to speak to him as he is supposed to be our 'single point of contact ' to which we have NEVER spoken to or been contacted by. This past Friday ( XXXX/XXXX/XXXX ) we received a series of confusing letters ( postal mail ) from Bayview that does n't quite make sense. They are attached. In a nutshell, there are 3 letters are dated on XXXX/XXXX/XXXX ... .oddly the date my complaint was filed that JUST ARRIVED Friday. Which tells me they were backdated. The other was dated XXXX/XXXX/XXXX. The XXXX letters state that the review of our loan modification was completed and it was determined that we were ineligible ... due to the fact that we did not provide the requested documentation by the deadline ( see letter & deadline of XXXX ). I can tell you 2 things : the woman I spoke with at Bayview the day I called ( XXXX ) informed me they DID received our information on XXXX. However, the information has yet to be reviewed and XXXX XXXX was in a meeting. 

The letter on XXXX/XXXX/XXXX states Bayview received our inquiry on XXXX XXXX, XXXX and a resolution date of XXXX/XXXX/XXXX has been proposed. Yet, I did not send an inquiry that date so they must mean the complaint that I filed. Had I been able to speak with our point of contact at all during this XXXX or any other time during this process, perhaps we could have submitted our information before instead of on the due date. 

I called 2 times on Friday ( XXXX/XXXX/XXXX ) after arriving home to these letters and can not get a single person on the phone. Nor, nor replies to my MANY emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Finance System of Richmond, Inc.
State: AL

Complaint narrative:
On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been XXXX response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Charges were put on my account before the work was done and before authorization after I refused the original estimate given. I then authorized the work to be done at a lesser amount and now both charges are on my account and they refuse to take off the previous unauthorized charges. This is a national auto repair chain and related credit company.

Company response to consumer: Closed with monetary relief