vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Evans Law Associates, P.C.
State: GA

Complaint narrative:
Evans Law Associates ( XXXX ) called my cellphone XX/XX/2015 and left a voicemail. Then they called my mother-in-law and demanded that she give them my contact information. When I returned the call on the afternoon of XX/XX/2015, I first spoke with XXXX/XXXX. He became upset with me when I told him I had XXXX their number and learned they were in bad standing with the XXXX. He transferred me to a " director '' who said his name too fast to catch. As soon as I mentioned the XXXX to him, he became enraged with me. He told me several times that he would file a lawsuit against me. When he told me I owed $ XXXX instead of {$6800.00}, I told him I would not pay the difference. He told me that if I would not listen to him, then " maybe I would listen to the judge instead ''. Also during the conversation I told him I was a legal secretary so I understood how lawsuits worked. He would then ask me questions and say " okay Little Miss Legal Secretary, if that is what you really are, what will happen ''. He was very rude, bordering on hateful. He told me I was not a lady and he did not have to treat me like XXXX. He told me they would not work with me and accept what I can afford each month. When I inquired about receiving a XXXX if I settled with them, he told me they never send out XXXX. He was very condescending the entire time. He hung up on me XXXX times. I made a point to call him back each time to clear up this matter. When I called back the XXXX time, he picked up the phone himself and screamed " WHAT? WHAT DO YOU WANT NOW? ", and proceeded to talk over me and belittle me. At least XXXX times he threatened me with legal action.

Company response to consumer: Closed
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MDS reported a medical debt with XXXX hospital to the bureaus. I did not give them permission to share this info, violation of XXXX. I paid the debt to creditor. I faxed proof of payment, I sent proof of payment registered mail. I disputed the amount with the credit bureaus that it was paid, and this company still confirmed to the bureaus that it is still owed when it is not. Violation of FDCPA, FCRA and HiPPA. Totally unacceptable.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I received my credit report and there is two address on their I have never lived at. I would like those removed. 
XXXX XXXX TX XXXX XXXX. XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I leased a new Acura XX/XX/2015 and turned in my previous Acura based on their assurance that my last two payments would be forgiven as I had moved to a new lease. Months later I was harassed repeatedly by Acura Finance representatives who informed me that I had failed to make these payments, despite the fact that had I never missed a payment while in possession of the car. Despite speaking to XXXX separate people and explaining the situation, they made no effort to resolve the issue and kept calling me to demand their money. 

After weeks of this harassment I noticed that negative information had been posted with the credit bureaus repeating the lie that I had failed to make payments for over 60 days. This negatively affected my Credit, something I find really offensive as a long time customer of Acura having leased XXXX previous vehicles, all from the same dealer due to my excellent credit, something they sought to undermine. 

Acura Finance never made the effort to reach out to the dealer to resolve this issue and simply informed me that it was my responsibility to call them and ensure that whatever money was owed to the finance arm was paid by them. This asinine strategy makes customers responsible for financial transactions between Acura 's financing arm and it 's dealer network, something I never heard of as a requirement for the lessee. 

After I reached out to the Dealer myself they informed me that they had failed to forward payment and would do so now. I do n't see why this was not done by Acura Financial months before and required my intervention to finally occur. What I find truly repugnant is that Acura appears to focus only on completing sales and receiving payment for itself throughout their sales process while simultaneously transferring responsibility for financial transactions onto the customer, punishing them through the Credit Reporting process with impunity for their mistakes. 

After contesting this issue I 've now received a bill for over {$600.00} for excess wear and tear, due within 30 days, something I was told would be covered with my upgrade to a new Acura at the time of the lease and a charge I 've never had to pay previously in any of my other leases. 

As a customer of Acura for two decades I 'm truly offended by their customer un-friendly approach to financial aspects of their business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Canceled a Renters Insurance Policy 6 years ago, but apparently it did n't get cancelled, and was continued to be billed through payroll deduction that went un-noticed. Company changed something so the payroll deduction stopped. Policy was sent to collections due to non-payment. Debt collection company, Caine & Weiner, started to contact me through letters and calls claiming I owe {$71.00}. In XXXX I contacted original XXXX XXXX, the original policy holder, explained the situation, received around {$1000.00} as a refund for the overbilling of the account and was assured that the collection attempts would stop. I then disputed the claim with Caine & Weiner through an email address they provided because their representative claims that disputes can not be made over the phone. I believed matter was concluded but then Caine & Weiner resumed trying to collect a debt not owed in the middle of XXXX. Also, instead of calling my phone number like they had no problem doing so month ago, they are now calling my family members to contact me. I have reached out to XXXX XXXX and have been sent confirmation of not owing any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
In trying to turn in my XXXX lease to XXXX different XXXX dealers I was rejected by all of the because Honda Financial incorrectly advised the dealers that my lease was 42 months and was n't at the end so to not take the vehicle back. Honda Financial also returned checks for payments and reported them past due. This negligence is still haunting me many years later through incorrect and updated credit reporting. They never responded to the letter attached, fixed their errors, or apologized to me. I have also filed disputes 4 times in the last year with the credit bureaus and they continue to ignore the issue and dont reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: NM

Complaint narrative:
This is the second time I have filed a complaint against Medical Data Systems , Inc. You are failing to respond to my complaint in a timely matter. Medical Data Systems , Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX XXXX XXXX XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved.I have confirmed this both with XXXX XXXX XXXX XXXX XXXX New Mexico as well as with New Mexico Medicaid. They have not received any claims from XXXX XXXX XXXX XXXX XXXX for this bill. XXXX XXXX XXXX XXXX XXXX did not do there job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do there job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is 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 2015-08-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Galaxy Capital Acquisitions, LLC
State: CA

Complaint narrative:
I was applying for civil service job I found a judgement on my credit report going back from XXXX from XXXX XXXX XXXX. There is outstanding balance of XXXX. Never was I contacted about the debt. According to XXXX I was served by private processor from a debt I opened XXXX. That is impossible because my first credit card I had was XXXX. 

I contacted XXXX about the debt, I asked for official validation. All the where able to give me was a copy of judgement. 
I requested statements sent by XXXX or the original creditor. They could not provide the information. 

I asked for the name of the person who served the summons. 
Full name of the person who signed for the summon. 
A copy of the delivery notice showing the signature date and time. 
I asked several times and they refuse to send any information. 

I asked for a copy of affidavit that processor had brought, no one in my family received a summons in my name. Never did they attempt to contact me about this. Now there is unbelievable amount of money that is owe. 

I can afford the amount that they are charging me. It was unethical how they went to collect money. I was never served properly and this is hindering me from getting a position in public safety.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I am currently current on my mortgage payment and this company keeps returning my payments to me and not applying the payments to my mortgage. They have me owing for my mortgage from XX/XX/XXXX to XX/XX/XXXX and I have paid these payments and they keep returning my payments weeks and months later, making it appear as if I am behind on payments by months, all the while threating to illegally forclose on my home, with multiple certified letters and mailings! I have spoken to different agents in this company and all give reasons that make no sense whatsoever as to why my payments are being returned. This company has XXXX of complaints against them in regards to sketchy practices.. OCWEN Mortgage is the company. I have all my bank statements proving I have sent the mortgage payments. I will be seeking legal action against this company if they continue to send my mortgage payments back as I truly feel they are trying to illegally take my home. There is no plausible reason why I have paid my mortgage and my payments are being returned unless there is some underlying scheming going on! 


Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC
State: MD

Complaint narrative:
It started back when I applied to become a student at XXXX of XXXX XXXX. Not fully understanding the process and looking for a way to apply and advance myself in the world I did whatever it took. I was never fully explained the loan process and how the federal vs. private loan system worked. I felt like they just wanted me to sign and move on and get into their system. I went to XXXX for over a year only to be removed from the school basically because I was unemployed. I lost my job during my 2nd year and was unable to make it to classes. After begging with them ( the XXXX admin ) to understand my situation I was forced to drop out, and not like me saying sorry I can no longer make it to class, more like " if you cant make it to class you can not be a student here. '' Being unemployed you have to make smart decisions with your money, and I had to make choices. Every penny counted and when I was unable to physically make it to the campus to attend classes due to budget restrictions I was shunned! So I found myself with a pile of debt in federal and private loans, no job and a partially finished degree. Now that the school is closed I can no longer finish my degree, nor can I use the resources that I was promised by them upon graduation. The summary of all this is that I felt like prey to them. A person who is just looking to better themselves was an easy target and I fell for it, I was a target. I tried numerous times dealing with XXXX directly with claims that I felt I was being pushed out the door and they were being unreasonable with my current situation, but they never listened. 

The school was XXXX XXXX XXXX, MD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/2016 at which time I requested affirmation paperwork from OCWEN my mortgage holder. The week after my filing, OCWEN stopped reporting my payment and reported my account was delinquent. My account has never been delinquent as shown in the attached documents from the OCWEN website. I file a complaint with XXXX and XXXX and OCWEN has refused to update my credit record to show that the account was current. On XXXX/XXXX/2016 OCWEN finally sent the affirmation paperwork to my lawyer, on XXXX/XXXX/16 I signed the affirmation paperwork and my lawyer submitted. Today XXXX/XXXX/2016 I was notified that XXXX that per OCWEN ( see attached ) that my account went delinquent on XXXX/XXXX/2016 and there has been no payments since then. I am asking for your help to get OCWEN to report my payments and account status accurately. ( never late and current )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I filed a reverse mortgage with XXXX who is now Owcen. My house was appraised for {$87000.00}. I got {$23000.00} last year instead of the {$43000.00} because I am XXXX and they were keeping half. ( I was never told before ). They set {$2300.00} aside for repairs. I finally got a company to do repairs. The problem is I live in a small town. We have no painting companies here. The closest town is 45 min away. No one would come and paint my fence and porches for anything under {$5000.00}. The company I got XXXX came and painted the fence and porches. Then when inspectors came they kept saying I had more to do. Things that were n't even in the initial contract. All I was to have done was the painting of my fence and porches.They sent partial check payment to of {$1700.00} in my name and XXXX. for repairs. Said when the repairs were finished they would send remainder. I called them told them the repairs were done. They asked about my windows. There was nothing in contract to do with my windows. Its like the added more stuff without my knowledge, So we took care of that..The repairs got finished. So last Friday, XXXX XXXX I called to find out when they were releasing the check for repairs.. They informed me, that they sent XXXX out for the the {$1700.00} and then used the rest to pay for the inspector so I am going to have to pay the remaining {$550.00} out of my pocket plus the portion I was to pay {$50.00}. So that is a total of {$600.00}. I then asked about my remainder of money that was supposed to come to me. They transferred me and I could not find out anything more. Monday XXXX XXXX, my son and I called them. We asked them about the same. They told me I was only going to get {$20000.00} instead of the {$41000.00}. because I am XXXX and they were keeping half. Like I said previously was NEVER told to me before..They were getting after me for not having repairs done, ( When I thought they were ) but when they do wrong I guess that is supposed to be ok.When I started this I was told my home was worth {$87000.00}, so I would get {$43000.00} last year. Then this year I was to get {$41000.00} which was after the {$2300.00} came out for repairs. I am so frustrated, I want the over half of my money. My XXXX called the XXXX today XXXX XXXX and they told us to contact you due to the fact this company has negative rating with XXXX I have XXXX and I am XXXX. I do not need this.This whole process has been a real pain, and I thought these reverse mortgage was to help with your retirement and it did n't matter your age. If you could please HELP. Thank you

Company response to consumer: Closed
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Re : Disputing Value : Loan Modification for Loan Number : XXXX I was approved for a loan modification in XXXX 2016. After careful review of the documents I noticed the value of the home that Ocwen was using was not the true value of the home. I disputed the value and I received a revised value that did not make a difference in the loan modification payment. I resubmitted the appraisal that shows the details of what work needs to be completed however Ocwen is refusing to take into consideration the appraisal which shows a $ XXXX difference. Below is a letter I recently sent and I have attached the original letter that shows the appraisal. The goal is to get a loan modification that reflects the try value of the home while offering a monthly affordable payment. 

On XXXX XXXX I provided Ocwen a appraisal that shows the current value of my home at $ XXXX. This appraisal included XXXX comparable homes that have no damage at : {$770.00}, {$770.00} and $ XXXX. Per our conversation today I was advised that the value Ocwen is offering is only {$720.00}. This appraisal I submitted provided detailed notes on the cost of repairs to bring the value up to fair market value. I am still disputing the value of the home Ocwen is offering based on the appraisal I submitted of $ XXXX. 
I would like the evaluation team to review the appraisal again and consider the amount of work that would get this property value up to where Ocwen states it should be. Again my appraisal is $ XXXX and I would like to have a loan modification based on that evaluation. This would allow my family to stay in our home with an affordable monthly payment. 

My last modification was approved by a Chapter XXXX judge and we used an appraisal similar to the one I provided and the judge approved. I am just trying to get a better deal on the loan modification and/or through a Principal Reduction based on the appraisal. 

We would like to have a new proposed solution that reflects the new appraisal of $ XXXX. The previous loan modification which shows that Ocwen was giving us a IN-HOUSE loan modification with a true Principal Reduction. Please see previous correspondence. 

Respectively, XXXX XXXX XXXX XXXX, XXXX, Ocwen Client

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen placed lender insurance on my property backward in time, communicating their decision XX/XX/XXXX with letter dated XX/XX/XXXX but insurance effective date of XX/XX/XXXX. They state there was a lapse in insurance, but the fact is the property is insured through master condo policy, and they never asked/explained/requested additional insurance for the interior before. 
In addition, the insurance they purchased was for an address that is not a match of my property address. 
I made numerous calls trying to resolve the issue in the best possible way I can ; I purchase the additional insurance XX/XX/XXXX, and requested a full cancellation of the lender placed insurance, but they denied my request. Since then, I am being bombarded with lots of letters from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
KNSCOUNSELORS at XXXX called on XXXX at XXXX XXXX attempting to collect a debt. I told them this was my work and they should not call my work again. They called again XXXX/XXXX/2015 at XXXX ( XXXX ). I again asked them to stop calling or I would report them to the FTC and they said tough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I sent a wire to completely pay off my morgage with Ocwen to their bank ( XXXX XXXX ) using the routing and account number they provided me in XXXX 2014. They stated that the name didnt match the account and XXXX XXXX refused to give me my money back and Ocwen has bullied and intimidated me ( an XXXX woman ) into continuing to make payments and refuses to apply the {$4300.00} to my mortgage balance. I am sick of being tortured and taken advantage of by Ocwen, they are truly an evil corportation that apaprently enjoys bullying and swindling XXXX women out of their money.

Company response to consumer: Closed with explanation