vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Servicing is showing me as three months late in the last two years, I have NOT been late and they refuse to correct it.

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 2017-04-08 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Upon looking into my yearly credit report I noticed XXXX collections placed on by Paramount Recovery. As far as I know, I do n't have any unpaid medical bills and I have no knowledge of these alleged debts. I sent a letter requesting validation of these debts and I received back XXXX pages from this agency. I am shocked and outraged by the amount of private medical information provided in these documents and devastated to find out that this company whom I have no connection or contract with has so much of sensitive information about my life, spouse, and medical history. I know that in certain circumstances limited information can be provided in an attempt to collect on a debt but this goes far beyond that and is a serious violation of my rights under Hipaa. I have no contract or relationship with this company and although they did send detailed information about my medical conditions, Doctors, insurance, procedures, symptoms I was presenting, religion, my husband 's information as well as information to contact my husband 's employer, none of the documents they sent to me contains my authorization for my medical provider to release any information to a 3rd party company. I intend to do everything in my power to make sure that this company is held responsible for violating my rights with such gross negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
We are a non profit counseling agency in XXXX, we submitted a a loan modification package to Ditech Financial on XX/XX/2017, Ditech 's representative stated that the loan modification was under review and it will take them 5 days to complete the review. I called on XX/XX/2017 and I was told that they needed another 5 days to complete their review. Today XX/XX/2017 I was told that there was no update from underwriter or representative working on the case. The client received a court notice ( to appear in court XX/XX/2017 ). The lender even told me that they will continue the foreclosure process. They are double tracking. They have a COMPLETE package requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Upon a surprise transfer of my loan in XXXX, I contacted LoanCare to make a principle only payment and have my escrow account closed and have escrow stopped from my loan payments. I followed their instructions, went online and made a {$10000.00} principle only payment. At that time the statement said my first payment was due XX/XX/XXXX. I then wrote in, requesting my escrow account be closed. 
I only received a credit for part of my principle only payment, {$8000.00} instead of {$10000.00}, and because I had set up automatic payments, they have debited more payments than were due. They have also continued to debit escrow payments despite my written request that it be stopped. 
I have attempted to contact them and have not been able to contact a human to help. Written requests have not been answered. XXXX has also attempted to contact them on my behalf to no avail. 
I am paying interest on principle that I have paid down, extra payments have stolen from my bank account, and they have ignored all of my communication.

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 2015-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Allen Tate Mortgage Services
State: NC

Complaint narrative:
I closed on my home on XXXX/XXXX/15 with a mortgage underwritten by Allen Tate Mortgage out of XXXX, NC. On XXXX/XXXX/15, I was contracted by Allen Tate to provide numerous pieces of information previously provided during the credit approval process prior to funding which I can provide back up for. Additionally, they want to come in my home to get more appraisal information on a closed loan 45 days later. They are saying the document I signed indicated I had to help them in any way they required but it says clerical errors and reasonable requests. The loan process is very arduous and I met all requirements and closed on my loan and now am being harassed by the lender. Additionally, it seems as though they have misplaced all the statements, pay stubs, etc in my entire file which they are asking me for again. Upon asking their Compliance Manager, XXXX XXXX where my personal data was and why he could not validate he had it, he said he was investigating further. My mortgage person at Allen XXXX, Nick XXXX will not return any calls on the matter nor tell me if I should forward the XX/XX/XXXX payment to Allen Tate Mortgage or the other company which sent me an email but has not sent me a statement. I am a XXXX year old female XXXX who saved and bought my first home and feel very strongly that this is harassment because of my gender and age as through every step of the process they have avoided my calls, repeatedly asked for additional info, charged a higher rate than originally quoted by a 1/4 point, closed the loan and now are asking for all the info previously sent 45 days after closing, this is terrible and not reasonable. Other consumers should be made aware of these poor and discriminatory business practices and do not listen to your Allen Tate real estate agent if they recommend their mortgage arm. Please help if you can and warn other females to stay away from this company! Thank you fir looking into this matter further.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My wife and I ( although the loans are in my wife 's name ) took out XXXX loans with XXXX, the state agency that provides loans for students that attend the university XXXX. There were XXXX loans:XX/XX/XXXX for {$5400.00}XXXX,XX/XX/XXXX for {$5100.00} and XX/XX/XXXX for {$52000.00}. Totaling {$63000.00} We are the first to admit that our payment history to vsca has been " spotty '' at best! There loan servicer NAVIENT, has recently sent us payment requirements for payments totaling {$360000.00}!!! with a payment schedule that is outrageous. I know these debts are ours to repay and we have not done this to, perhaps, the best of our ability, but this is outrageous. Aside from shocking and frightening us, these are scare tactics. Do they really thing we will pay 6X the amount of the loan? We had not been contacted by NAVIENT prior to this letter.I guess my complaint, then, is the business practices of both XXXX and NAVIENT. This falls just short of internet scams and phone calls to " little old ladies '' telling them if they do n't pay there gas bill on time they will come for their house! Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Mobiloans, LLC
State: CA

Complaint narrative:
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by MOBILOANS LLC , XXXX XXXX XXXX, XXXX , XXXX XXXX on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, XXXX, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I received a payday loan from XXXX XXXX XXXX for {$900.00}. I called them to arrange repayment in XXXX installments of {$310.00}, {$310.00}, {$310.00}, and {$270.00}. I was shocked to learn that they had lied, and changed the repayment terms to 20 payments of {$310.00}! That is over {$4500.00} dollars, an interest rate of 700 %. This is illegal in California as usury, but they claim to be exempt from State laws because they are on tribal land. This company has received hundreds of complaints and is banned from doing business in some states like Washington. Please help me, I did not know this company was engaging in fraudulent and deceitful practices. They outright lied about the terms of this repayment. They are preying on unsuspecting people who are desperate to pay their bills. They should not be allowed to be in business. I 'm sure you have received other complaints like mine. My daughter is very ill, I am paying all our expenses, and I can not comply with these outrageous terms. These people are liars and not to be trusted. I am changing my bank account so they can not take {$310.00} from me very 2 weeks, which I never agreed to. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
This is my second time submitting a complaint about student loan serviced Nelnet. The information that they responded to about my first complaint undeniably backs up my claims of the unlawful practices that this company displays and the 90-day late fees should be removed from my ALL XXXX of the credit bureaus. The information that they provided backed up my original complaint that they had contacted me via the incorrect contact method, the details that I will provide show that the email address that they used was one letter away from my correct emailing address. This was simple human error on their end. Although mistakes happen, my credit score is suffering immediately because of the mistake and this issue should be resolved expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was in a debt management service in year XX/XX/XXXX. My income level lowered, so I contacted this company ans asked would they contact my creditor and asked for a ( pay off now amount ). This management company told me that I would have to not make payments ( go into default ). When in default the management company said then they could contact this creditor about accepting a lower payoff amount. After I went into default this management company did nothing and left me out of contract with them, and I was left out of good standing with this credit. This is when my debt was sold to a third party debt collector for XXXX dollar. That third party debt collector is the focus of my issue. My credit reports has had this bad report for sixteen years. This one debt has been sold and resold to XXXX to different debt collecting companies and going past the time limit to pursue debt without a court case. In XX/XX/XXXX XXXX of the credit reporting agencies dropped this debt from my credit files. But XXXX just got around to removing this collection agency ( on! XX/XX/XXXX ). Here is what made me angry, this collection agency company wrote me in same mouth that XXXX said this creditor listing had came to the its legal duration. In this delt collector 's letter in XX/XX/XXXX, they said that the law would not allow them to come after me on an old debt like mind but they would continue to report my debt to the XXXX collection agencies. I then contacted XXXX and they said there was nothing bad on my current credit report files ( debt collector lies ). This debt company is bothering me every other mouth with a {$730.00}. bill I can 40 % off. I 'm retirement age and I surely know retirement income is not subject to law suit. I just want this company to go away and the bills in my male box to stop too. This is a very very old bill that went wrong and should be forgotten.

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 2017-03-31 00:00:00
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I purchased XXXX money orders from Western Union to pay bills. When I learned the payments had not been credited to my account, I contacted Western Union to trace them. Both had been cashed, but not by the payees I had made them out to. Instead, both money orders had been forged to change the payee and the payor. I asked to have my money refunded because Western Union says they will replace stolen money orders. They had me fill out more paperwork. I also provided them with a police report. They refunded XXXX of the money orders, but told me they could not refund the other because the Bank of First Deposit ( XXXX ) did not respond to their claim request that they submitted on my behalf and so they will not take any further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Tennessee Quick Cash, Inc.
State: TN

Complaint narrative:
If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. XXXX payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are XXXX XXXX XXXX and Tennessee Quick Cash. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With XXXX XXXX XXXX, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX with XXXX XXXX and the XXXX and XXXX was way better than dealing with these companies. I make a decent living and they are robbing me XXXX, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Attempts have been made to contact the creditor. Phone is connected to a " win a trip to the XXXX '' or " sign up for cable service '' and other gimmicks. I looked online and found another number for the creditor. Upon contacting, I was informed that it had been sold. I was given another number and upon contacting the new creditor I was again told it was sold and provided with a new number. The next resulted in the creditor not finding any information on us. Here are the phone numbers in order that we have called to fix the situation : XXXX XXXX XXXX We feel that we have made due diligence it attempting to correct this matter but no one seems to know or have the information we need. 

Additionally, we do not recall ever receiving a bill or invoice for this amount.

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 — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
Describe what happened so we can understand the issue ... A rep from this collection agent did n't catch her name will call about 2 times a day asking to settle the debt. She will call from the XXXX number now it 's been turn into her call from a local number here In our state. 



XXXX XXXX XXXX, Mn XXXX NCB MANAGMENT SERVICES XXXX XXXX, PA XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off {$8800.00} 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 XXXX, XXXX and XXXX ) 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 explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: AR

Complaint narrative:
It shows XXXX school loans on my report and XXXX public records and XXXX open accounts

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
I keep getting paperwork for a debt I have no idea about i never took out a loan in the amount of {$3700.00} i have no knowledge of this amount it is not mine. I could never get a loan and want to know what this is for. They keep sending me these notices I have no idea about show me what this is for and what amount this if what i applied for.

Company response to consumer: Closed with explanation