vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 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: The Receivable Management Services LLC
State: CO

Complaint narrative:
I have a debt from XXXX XXXX XXXX on my Credit Report that is showing up on all XXXX major Bureaus. The collection agency is Receivable Management. XXXX XXXX XXXX, XXXX PA XXXX. Their phone number is XXXX. The account # it 's listed under is # XXXX. The total is listed at {$330.00} dollars. I have called XXXX several times now, and they have informed me this debt is nowhere in their system, that it is non existent. I called the credit agency and informed them I would be filing a compliant with you guys, they said go ahead and do so. I 'm trying to buy a house and this bogus collection is costing me thousands of dollars. I 'm requesting it be removed from all XXXX major credit bureaus. Thank you.

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 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: FACTUAL DATA CORP.
State: CT

Complaint narrative:
I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through Kroll and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the XXXX score ( XXXX ) was nearly the same and the XXXX score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Kroll had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I was contacted by ARA Inc out of XXXX XXXX IL, The representative advised me they were trying to collect a debt I owed from a Visa card opened in XX/XX/XXXX to XX/XX/XXXX. 
I advised the representative I have no old debt outstanding, I was then told it was on my credit report and they have sent me correspondence. I advised the representative again this is not on my credit report nor did I receive any correspondence from this company. She then began to raise her voice and threaten me by stating she was filing a lien with my current creditors as well as going to file a judgement against me and contact my employer. 

I have since submitted a cease and desist letter to this company as this debt is not mine and the statute of limitations on filing against me has past. 

I find this companies tactics disturbing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage LLC - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Nationstar Mortgage LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
11 months ago I submitted a loan application with Quicken Mortgage Loan Company to refinance a home loan. I provided all of the information the representative requested, an appraisal, pest inspection, XXXX for me and my wife an array of different documents and information all over a two month period to be told that the loan was not approved. the expense incloded {$400.00} appraisal, {$25.00} pest inspection and a XXXX point drop in my credic score because the company ran my credit report several times under different company names. Each week a representative from the company would call making additional and repetitive requests for the same information implaying that the loan was in the approval stage to string us along to the point that we could not go through another company to seek a lone because Quicken ; s multiple inquiries precluded us by dragging down our credit score. Unfortunately, Quicken failed in their promise to complete the loan. 
Two weeks ago my wife made an inquirery with Quicken again to secure a VA mortage loan. Again we provided all the information. The representative stated that the loan was in the approval phase. Today the representative stated that he needed me to file my XX/XX/XXXX taxes which are not due until XX/XX/XXXX. I informed the representive that I may have to request for a tax extension because I have business deductions. He stated that although he has my XXXX for XX/XX/XXXX, Quicken needs my XX/XX/XXXX taxes to be filed before the loan can be approved. I think that I have been mis led by deceptive loan practices and I feel betraied by the mis representation by Quicken and their loan agents and practices. Quicken could have informed be prior to me signing th papers for my credit information that I could not have income tax which showed adjusted income on my tax information. Quicken representative should have informed me that the amount of the loan request required me to have a specific income to qualify for the loan. If I could have been informed on the front end, I would have not have proceeded with the credit request, Now although I don ; t have any negative results on my credit score because of all the inquiries by quicken my score droped. Therefore, if I wanted to obtain a loan through another lender my score after their inquiries prevents me from applying to another company for two years. The inquiries that Quicken will remain on my credit file for a two year peroid. Quicken is not a prudent company and their loan procedures are deceptive and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Critical Resolution Mediation LLC
State: NH

Complaint narrative:
Company is calling my client and threatening to serve her with a non-existent lawsuit. Gave a fake " case no. '' to imply litigation was filed when it was not. Will not disclose loan details or provide verification of the debt pursuant to the FDCPA and is making illegal third party contacts by calling and harassing friends and family. Is threatening and rude and engages in deceptive practices. Pretends to be lawyers or a law firm - they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank - I have submitted multiple complaints via the CFPB & the responses & or partially answered, not answered or no resolution has been done.. My complaint is that Wells Fargo has a NO GRACE PERIOD AND TAKE FEES FROM LOANS FIRST AND AND THEN APPLIES REGULARLY SCHEDULED PAYMENTS AFTER FEES ARE DEDUCTED. These LATE CHARGES deducted first results in PARTIAL PAYMENTS and therefore OVER 30 Day Collection items appearing on the credit bureau. These fees collected first have caused negative and derogatory credit being reported which is not accurately reported when scheduled loan installment payments are made on accounts. This practice is deceptive and puts negative items on credit bureaus due to a no grace and fees applied first then principle schedule payments applied last on customer accounts. Wells FArgo is deceptive and hides these practices to both customers and to the consumer financial protection bureau by not fully addressing my several submitted and previously sent requests

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 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
On today X/XX/2016, I received a notice in my email from XXXX XXXX that a new account was added to my credit report. After login into my account I found out that the account was from a XXXX XXXX XXXX in the amount of {$120.00}. XXXX XXXX XXXX was notified by phone ( to number XXXX to XXXX XXXX and XXXX XXXX ) that they were in fact in violation of the FCRA, FDCPA for placing this alleged account on my credit report without prior notice in written as required under Federal and State Laws. I have no knowledge of this alleged account, never received and prior written notice before this alleged account was placed on my credit report and after it was placed on my credit reports. They are required under FCRA 1681-s2 ( b ) to verify any alleged account before reporting it to the CRA 's.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
After checking my credit reports, i found a collection with a company, XXXX XXXX. I am unaware of this debt. I sent a letter to this company on XX/XX/XXXX asking for them to validate this debt by sending me something with their company bearing my signature. I sent the letter certified mail with return receipt. They signed for the letter on XX/XX/XXXX. After 31 days with no response from the company. I mailed a 2nd letter on XX/XX/XXXX which they signed for it on XX/XX/XXXX. The second letter asking them to remove this debt from my credit report since they broke the federal law by not providing me with a copy of any viable evidence bearing my signature, showing the account is being reported accurately. As of today 's date I still have not received any communications from them yet they are still updating my debt with XXXX. This showing on my credit report is hurting my credit worthiness.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am XXXX, and in cleaning out my old financial papers, I found I had an unopened envelope from 2000 with an original uncashed check payable to me ( and my son as XXXX ) from Bank of America XXXX, XXXX, NY XXXX, Phone No. XXXX ( since then absorbed by the Bank of America/Merrill Lynch Company ), for {$1000.00} dated XX/XX/2000, and drawn on XXXX, with numbers on the check of XXXX and XXXX, check number XXXX. The check receipt says it is a " cash withdrawal '' and I also recall from numbers on it that it is for a dividend payment to me from a municipal bond interest payment, before those dividends were all transferred to me electronically, from a brokerage firm called XXXX., located in New Jersey where I had an account, and which is no longer in existence but used Bank of America for the financial clearing of its debts. The original address and phone number on the check is no longer valid so I took the stale check and envelope to a local Bank of America bank and asked for a current replacement check for my stale check. No one there, or the phone contacts they called, can tell me how to get a new exchange check for my stale check, as for example the State of Maryland did when I found an old stale refund check from the State of Maryland. Bank of America has had me call BOA customer service on XXXX and I have done so several times and spoken to representatives who take my information but do not call me back. Bank of America got this money in XX/XX/2000 to pay me, and the bank has had it and earned interest on it all this time that I misplaced this check. I want the cash that was deposited with them for me by XXXX., back in XX/XX/2000, but Bank of America or Merrill Lynch will not respond to my request about how to get a new check in exchange for this check that I lost by misplacing it. I can pdf a copy of the check, its payment data, and the envelope.

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 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX XXXX : Acct # xxxxxxxxxxxx To Whom It May Concern : This letter is regarding account # Xxxxxxx which you claim my account was charged off {$1500.00} This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had several student loans that were in default. I had been paying on XXXX set of my student loans through Navient. I had a second set of student loans that I went through loan rehabilitation through XXXX. I finished the loan rehabilitation program through XXXX and then my loan was brought by Navient. I was sent an income base repayment information from XXXX to send to Navient. Since I had a set of loans already through Navient I called them and requested assistance with getting both set of loans due at the same time and the payment reduced to an amount to something that I could afford. The representative encouraged me to do the loan consolidation and led me to believe that it would save me money and my payments would be reduced. When my loan was consolidated it was only {$30.00} less that what it was when the loans were n't consolidated. When I log in to my account I still have XXXX sets of loans both due on the same day which is the first of the month. I could have easily requested a due date change and accomplish the same thing. I do n't understand the purpose of me sending in my XX/XX/XXXX Federal tax return along with household information if the payments were n't going to be reduced to an affordable amount that I can afford so that I do n't go back into default. I immediately called back to NAVIENT and the customer service rep was n't friendly and gave me another number so that the income base application could be mailed to me. It is XX/XX/XXXX and my next payment is due XX/XX/XXXX. When I called the XXXX number it was an automated NAVIENT number stating that it would take up to ten days for the application to me be mailed to me. I shy away from systems that require a password because I have memory problems and get extremely frustrated and do n't trust anyone. I am a XXXX veteran. I tried to explain that to the Representative but before I could get it out she told gave me the XXXX number and sent me on my way. The last person from NAVIENT filled the application out for me and I just had to sign it. I was able to google the application and uploaded to my account along with my recent XX/XX/XXXX Federal Tax return. I do n't feel that NAVIENT was looking out for me or my family. They were just out to get the highest payment. Since uploading the income base application, I do n't see where it was received or if someone is working on it. I also sent an email directly through NAVIENT about my concerns and all I received was an automated response stating that someone would get back to me. That e-mail was sent on XX/XX/XXXX and still no response. I ca n't tell you how many call that I got when I was in collections. I 'm trying to be proactive and stay in good standings. I know that the money has to be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had a student loan with XXXX i called and thought they were forgiven through a program next thing i know NAVIENT ON MY CREADIT INTEREST RATES THROUGH THE ROOF I WROTE TO NAVIENT NO RESPONSE I TRIED GOING ON NAVIENT WEB SITE IT KEEP SAYING MY INFORMATION DONT MATCH THIS IS MESSING UP MY CREDIT I NEVER TOOK OUT AN LOAN WITH THEM! I even contacted all 3 creditors. I 'm stress out about this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loans have more than doubled since I graduated because of interest. Navient encouraged me to do forbearance instead of income based repayment, and now I will never be able to pay off my loans. I was also lied to by the company. They said they put me on income-based, then continued forbearance for another year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I took out a FHA mortgage loan FHA case No. XXXX XXXX was servicing the loan.My frustration with trying to get Wells Fargo Bank to honor this Consent Order agreement with your office. I am writing this letter because I have fought and fought to save my home and to keep from being homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note. The state court has ignored my pleas in Illinois XXXX court case XXXX.The multiple assignments, not allowing the provisions in the agreement under the regulation HUD which limits the rights in case of payment default. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less and/or the Banks failed to comply with Title XXXX Part XXXX " Subpart C- Servicing Responsibilities '', including, but not limited to XXXX, XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX and 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