vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It looks this DEBT COLLECTOR company XXXX XXXX XXXX XXXX Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to CITIBANK NA Its been disputed, CITIBANK NA in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If CITIBANK NA did n't know in XXXX why they still market this Alleged debt with another Debt collector company, I believe now CITIBANK NA has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with CITIBANK NA for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.

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 2017-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
This is not the first time RoundPoint has taken service of this " loan. '' RoundPoint first took service of this loan on XX/XX/XXXX. RoundPoint, the current servicer, undertook the loan on XX/XX/XXXX. This loan continues to bounce around due to the servicers ' negligence to file the proper documentation with XXXX XXXX. agencies, specifically, the tax accessor 's office and property clerk 's office. 

Formally, I demand all qualifying correspondence between XXXX XXXX XXXX and RoundPoint to be made in writing to the mailing address provided herein. Only a certified letter sent by me to RoundPoint will reverse this demand. I am making clear my desire to have my mailing address and phone number updated with RoundPoint in writing, because an employee of RoundPoint failed to do so during a phone call made by the employee and subsequently received by me on XX/XX/XXXX at XXXX, which lasted 4 minutes and 52 seconds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX ( cell ) Transfer of Service And History of " Loan '' XXXX - XXXX took service of mortgage XX/XX/XXXX? -XX/XX/XXXX - Transferred to XXXX i. Issued XXXX Cancellation of Debt XX/XX/XXXX ii. XXXX filed on XX/XX/XXXX IRS Tax Forms on XX/XX/XXXX iii. Letter sent XX/XX/XXXX informing me the property taxes were paid by XXXX on XX/XX/XXXX. Sent by XXXX XXXX. Revenue Collections Department. ( XXXX ) XXXX. 

XX/XX/XXXX - Transferred to RoundPoint i. Agreement to Deed in Lieu of Foreclosure never sent for recording XX/XX/XXXX - Transferred to XXXX XX/XX/XXXX - Transferred to RoundPoint XX/XX/XXXX- 2 Phone Calls made to RoundPoint, established : Loan Number is : XXXX ( call on XX/XX/XXXX at XXXX ). 
Correct mailing address was given during phone call on XX/XX/XXXX from XXXX. Wasnt updated in the system. Updated mailing address during call to XXXX on XX/XX/XXXX at XXXX. 
Requested welcome letter. Never received one due to negligence and failure of RoundPoint to update address during phone call made by RoundPoint on XX/XX/XXXX. 

As seen in the timeline, XXXX issued a XXXX " Cancellation of Debt '' for the entire amount on the lien. This XXXX was filed on my XX/XX/XXXX IRS Taxes on XX/XX/XXXX. 

XXXX XXXX. shows the property titled in my name and without any lien ; I own the property free and clear of any lien. Given that XXXX, at the behest of XXXX XXXX XXXX, issued a XXXX cancelling out all debt associated with the loan, proper documentation must be filed with XXXX XXXX. agencies properly titling the property to XXXX XXXX XXXX. 

Otherwise, stop and discontinue further collections attempts and provide me the title to the property located at XXXX XXXX XXXX XXXX, TN 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 2017-12-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
After we bought homeowners insurance from XXXX XXXX XXXX. On XX/XX/XXXX we had our agent Notice our mortgage co of same. XXXX refused or neglected to accept our regular mailed notices from our agent and from ourselves to three different XXXX offices in MN., IN. and Texas so we finally sent notice by registered mail which they accepted in XX/XX/XXXX but not before they bought a property loss policy with coverage to under {$400000.00} while our mortgage was over {$850000.00}. We could not understand why they would buy such low coverage. 
Now we think we know. 
By XX/XX/XXXX we increased our coverage to over XXXX XXXX including our personal property and told XXXX to obtain a refund from their insurance co. and credit our escrow tax & insurance set aside for {$2400.00}. They admit in letter attached on XX/XX/XXXX they had made a mistake and should have credited our escrow account since XX/XX/XXXX but as of XX/XX/XXXX see attached letter from XXXX they had refused to do so even though we had sent 8 letters and email since XX/XX/XXXX - XX/XX/XXXX. giving notice and requesting credit back into our escrow account. 

The XX/XX/XXXX letter gives us NOTICE OF FORECLOSURE if we do not pay an additional {$2700.00}. into our escrow account to pay our property taxes. We will pay this demand for {$2700.00} under duress even though according to our accounts have {$1900.00} plus the " lost '' {$2400.00} or only short {$100.00}. to pay out tax bill first installment. 

We believe elderly property owners such as us who have a huge equity position in our property are targets for a foreclosure proceeding and that is why XXXX bought such low coverage. On XX/XX/XXXX our home and personal property was completely lost in the XXXX XXXX XXXX in XXXX Ca. Had we not asked XXXX to cancel it 's {$400000.00} policy we would now be forced into foreclosure and possibly bankruptcy. 

We believe XXXX 's policy of buying under coverage policies for high equity properties and rushing to pay for insurance and taxes months before the bills are due is a policy with criminal intent and by delaying or neglecting to restore escrow accounts appears to be fraudulent at best. 

The actions of XXXX has caused my wife and me many sleepless nights and hours of phone calls & letters without end. We as older folks are sometimes subject to these kinds of threats which cause great pain and suffering. We hope you can bring the law to bear on this firm.. 
XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: FL

Complaint narrative:
THIS IS NOT MY ACCOUNT, IT DOES NOT BELONG TO ME.

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 2017-12-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Manhattan Beach Venture, LLC
State: RI

Complaint narrative:
On X/XX/16 an individual contacted myself stating he worked for student loan relief/Obama forgiveness program. Representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included some sort of contract from manhattan beach venture LLC stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX XXXX  whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down and get my money back. I do not want someone else to be scammed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
XXXX 2017, XXXX I have contacted this company more than one time to get this matter resolved. I have not received a phone or any feedback. It is reporting as derogatory for XXXX XXXX. I have never live there and the application was never complete. When I was going to sign a lease they change the cost of the rent before the move date application was never complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
Possible Debt Collector by the name of ERC called my direct line at work at XXXX XXXX XXXX, XXXX. I have not received any mail from debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX Checking account charged {$590.00}. 

XXXX I reported fraud to Simple Bank who locked and sent Wife a new debit card. 

XXXX Simple Bank contacted about case for {$590.00} was closed and the charged dropped off account. 

XXXX Wife replied to Simple Bank stating that the charge was for {$590.00} rather than {$590.00} XXXX Simple Bank contacted Wife and I via support message and said charge force posted after falling off. Said the dispute team would reach out via support message with any additional updates. 

XXXX I called Simple for update but was told that it was being looked into. I asked about XXXX 0 % liability guarantee but was Simple Bank rep said I was going to have to wait for investigation. I asked for a phone number to contact the fraud investigation department but was told support message was the only way to contact. Account is still missing {$590.00} which I am supposed to not be liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is once again sending me collection notices for an account that was closed/written off/closed in XXXX. The statute of limitations for both Michigan and New Jersey is six years. More importantly, XXXX XXXX XXXXXXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) which prohibits the practice of re-aging the cut off date of this closed account. 

I have notified XXXX XXXX XXXX XXXX of this and through the three credit reporting agencies dispute resolution process. As a result, there is no further purpose to communicate with this company other than through the credit reporting agencies or through my attorney as it is unambiguously clear that XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) as I received another letter dated XX/XX/XXXX and my credit report ( s ) still shows current activity from XXXX XXXX XXXXXXXX, XXXX. 

To restate, once the cutoff date has expired, XXXX XXXX XXXX XXXX is not legally permitted to pursue payment of any assumed debt. Nevertheless, XXXX XXXX XXXX XXXX continues to park this debt on my credit report, call my cellular phone and send me letters. 

Today, I contacted XXXX and discovered that XXXX XXXX XXXX XXXX continues to place inquiries on my credit report, re-ages and re-parks the assumed debt, for which I placed a fraud alert with XXXX. 

The purpose of my contacting the FTC is to seek assistance in stopping XXXX XXXX XXXXXXXX, XXXX from inputting fraudulent information on my credit report. Once again, there is no reason to contact XXXX as the account was closed/discharged in XXXX and well beyond the statute of limitations. Please help me with this malicious and predatory company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
My problem is with getting my insurance payment for damage suffered during Hurricane Irma. My insurance company has issued a check for over {$18000.00} for carpet and flooring damaged during the hurricane. Because I have a Reverse Mortgage thru Reverse Mortgage Solutions ( RMS ) the check is written to both myself and my wife, and to RMS. 
The damage is not structural, but for flooring and carpet damage by wind driven water intrusion thru our sliding glass doors. on our 8th floor condo on the East coast of Florida in XXXX, FL, RMS is going to require us to pay for the repairs and then they will reimburse us after we submit the paid receipts for the work done.They will graciously allow us to borrow the money from them which means I will pay interest on I until I die. If I had that kind of money I would not have need a Reverse Mortgage. 

Since our Insurance Co, has determined we should be allowed this money to pay for our repairs I am asking they be directed to sign the check and return to us. We will send them the paid receipts for the work completed..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Myself and My husband mailed a debt validation request to XXXX XXXX XXXX via certified mail that was received by them on XX/XX/XXXX. We  submitted the request after reviewing our original contract and recieving a default letter on XX/XX/XXXX and seeing that XXXX XXXX XXXX was not the listed creditor on the original car loan contract and another creditor was listed. We also spoke with the original creditor listed on the contract XX/XX/XXXX and they had no record of XXXX being assigned to the loan and neither did the dealership the car was purchased from.After speaking with XXXX representatives on several occasions regarding my concerns XX/XX/XXXX. OnXX/XX/XXXX i offered to hold all funds in a trust or court account to prove I do have intentions in paying once validation is received. The offer was refused.XX/XX/XXXX we were notified by phone representative that XXXX will not be responding to our request and will " prove ourselves by repossession and we do n't have to send anything other than a bill ''. I then responded to the representative stating that if they do not respond with proper documentation by the XX/XX/XXXX deadline they will have to cease any collection attempts and credit reporting. The representative stated that they can just come get the car and they do n't have to prove anything. They will take a payment and I can wait out the XX/XX/XXXX deadline for response if I wish. I complied with a payment of XXXX only because I realized they were willing to go around my rights, but made it clear that I was not in agreement that this was a valid debt and I still wanted validation. This arrangement was made to put the account on hold in their records until XX/XX/XXXX. Without validation who is to say that another company ca n't come along and say I owe them instead and they too can repossess.

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 2017-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
The issue is with my 2nd Mortgage for {$45000.00}, I took it out back in XXXX with XXXX XXXX Diversified Mortgage Services, acquired in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 

The Lien with XXXX was never Discharged and Released by the Servicing Lender. 

XXXX sold the Mortgage to Specialized Loan Servicing ( SLS ) the same day of the closing, but nothing was ever filed at that time, even though they become the servicing lender throughout the years. 

I was granted a Discharge Notice ; XXXX/XXXX/XXXX which was sent to SLS thru the filing of my bankruptcy. 

Recently this year, I reached out to XXXX and they said that they no longer owned this mortgage and that I must go back to who serviced the loan. I remember I made payments to SLS. So, I did a little research thru MERS and found the MIN and looked it up, it was active under SLS. I reached out to SLS several times, but the persons I made contact with passed it on internally and would not give me any answers or info to who I should be speaking with about solving this. They just ignore my emails and its impossible to get anyone on the phone to call me back.Not communicating leads me to believe this is a great big mess and that no one wants to deal with it!

To recap ; the only 2nd Mortgage Lien was originally filed against my property by XXXX XXXX in XXXX, later they got acquired by XXXX in XXXX. Keep in mind, the 2nd mortgage was sold off to SLS by the day of the closing in XXXX, but never filed at the county court house back then. SLS became the servicing lender between XXXX and XXXX. At that point the mortgage was discharged and SLS did receive notice. Under MERS it is active with SLS, but the Lien with XXXX is still on record and not discharged. I would think maybe the Title Insurance Company ; XXXX XXXX would play a role in this as well, but I am not getting anywhere with anyone. 

This house is all I have even though its underwater. It provides a decent roof over my head, while I care for my elderly father and raise my XXXX children. I need some real help here.

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 2017-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I started my financial relationship with GM Financial when they were still XXXX, in 2008. I had my share of issues with the integrity of the company, but what I am most frustrated with is they are holding my title hostage. I have been paid in full for YEARS, and yet they are still unwilling to release my title. I have spent hours on the phone with their reps and I get nowhere. It is disgusting how they have made me believe on numerous occasions that my title would be on its way to me, only to find out it was never mailed out. I feel like my hands are tied which is grossly unfair - if I were to be late with my monthly payments I would incur late fees until they would eventually repossess my car. Why are n't I, the consumer, protected in the same way? I will never do business with the terrible company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I received a collection notice from Credit Collection Services about a medical bill for date of service XXXX/XXXX/17 when I was a minor. I just turned XXXX in XXXX. Not only that but I have two insurances and my secondary covers the remainder of my services. I want this deleted immediately as I am not reponsible for this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2017, creditor contacted a third party about a debt that is allegedly owed. Third party was not authorized to discuss details of this account. Information disclosed was a breach of privacy.

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

Complaint narrative:
This company has repeatedly called me over a debt that I do not owe. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I wrote them and letter and explained to them that I do not owe this debt and told them to stop contacting me. I spoke to them 2 times when they called and explained to them that I do not owe this bill. They refuse to stop harassing me. My daughters mom took her to the dr and she signed the finacial responsibility and I explained this to them and told them to call her. They told me that they are calling me because I have insurance on my daughter. I am not responsible for this and I want the harassment to stop.

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 2017-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have never received any documentation or any type of response from XXXX XXXX XXXX. I have no clue as to who this company is. I checked my credit report and sawthat they were trying to collect a debt from XXXX in the amount of {$320.00}. I have never received anything from XXXX and I previous was disputing that matter. The account for XXXX XXXX shows that it was open on XXXX XXXX, 2017. As of today, I have received no correspondence from them.

Company response to consumer: Closed with non-monetary relief