vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I 'm dealing with Allied Collection Services over a medical debt from XXXX. Under threat of the debt being reported to the credit agencies, which could result in me losing my professional license and my ability to receive the business loan I need to start a business five years in the making, I agreed to start making monthly payments with the stipulation I not accept responsibility for the debt. I had been keeping track of the balance owed and called to reconcile my balance sheet at which time I learned {$2800.00} in collection fees and interest had been added to my account, more than three times the legal limit of XXXX + the prime rate of the largest Nevada bank. Allied claimed the creditor added it prior to sending it to collection, the creditor said they add on what Allied tells them to in order to cover the cost of hiring Allied to collect the debt. Over 45 days ago I asked both Allied and the original creditor for a copy of any payment agreement I signed agreeing to pay this amount of interest and fees. Allied said the original creditor would have it if something like that exists. The creditor says the payment agreement I signed is somewhere in storage and it would take two weeks before they MAY be able to retrieve it. I called again today, 47 days after the original request and they said they had n't gotten it yet and to give them another two or three weeks. Allied wants another payment immediately. XXXX XXXX, the rep for Allied said not making a payment will result in the credit agencies receiving the debt, my payment agreement becoming void, and a lawsuit filed against me for the balance. 
Also, as you can see on the documents I 've attached, most of the {$3500.00} I 've paid toward the debt has been put toward interest and fees instead of to the principal as mandated by Nevada statue 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 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
I applied for a mortgage refinance. I was approved. I went through all the disclosures, paid for an appraisal and submitted all my personal financial documentation. As the loan was getting near the end of the lock-in period the lender representative called me and told me that within the previous month the company put in place an internal policy whereby they no longer do loans of the type I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I opened this loan back in XX/XX/XXXX and was scheduled to make manthyl payments of {$460.00} for the next 36 months. A problem has developed where I can no longer afford to make these payments since my medical insurance premiums jumped over 500 % for XX/XX/XXXX. I spoke to my attorney who advised me that I should file for chapter XXXX bankruptcy and that I should contact the creditor about a refinance or a resonable payoff ( settlement ) quote. In contacting the collections department and customer service I am finding that after XXXX or more calls that they are trgfising to listen and cooperate. They either do not have any information to give me or tell me that they will not negotiate ; clearly ignoring and voilating all applicable federal and state laws. If we do not reach an agreement in which I can reasonably pay off this loan, I will be forced to play all audio recordings of these phone calls in open court, demonstrating their contempt and refusal to cooperate -- resulting in the coutt ruling in my favor and forcing them to write off this debt and cease all collection efforts.

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 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Collection Service Center, Inc.
State: FL

Complaint narrative:
I have to collection from XXXX from XX/XX/XXXX, I have no history of medical bill, since I had my last baby on XX/XX/XXXX and was all cover by XXXX. 
I moved from XXXX to XXXX, I cant verify who sent this bills and why now show in my credit report, I only get a credit for the past XXXX months. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
We were in anticipation of have our PMI removed soon as the interest-bearing part of our modified loan is at 81.8 % LTV ( see attached ) We also have a post loan mod. document stating LTV was at 88 % ( see attached ) .When we received a document on XXXX/XXXX/2016 stating our LTV is at 96.4 % ( see attached ) in response to our request to have PMI removed.We were completely " surprised '' unfavorably at what they were trying to do here. We feel completely trapped in a {$330.00} / month PMI payment to XXXX XXXX through PHH mortgages apparent and then blatant violation of RESPA. ( see attached ) Or else why would the amount be so much if it was n't being divided up among the entities involved? Per our mortgage documents the XXXX balances should remain separate for such calculations ( see attached ) Also note on this sheet that not only is it the wrong principal balance but also, but it is the wrong langauge as to what is defined as " late '' for their reasons for the denial of the PMI removal. They say " late payments made in the last 12 months '' not " late payments of 30 days or more '' as it should read. They have been doing things like these mentioned ever since we even tried to get a loan modification, now they are trying the method of attaching the interest bearing amount to the non-interest bearing amount which is unfair and makes it eon impossible to remove PMI. Just disgusting greed on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: MO

Complaint narrative:
I received a letter saying I owed money to XXXX from Allied International Credit Corp. The letter is a SCAM. I do not owe any money to XXXX, I have n't used my XXXX account in 2 years and logged into my account to validate I have a XXXX balance with XXXX. Internet search reveals the same SCAM has occurred several times to other people. This SCAM uses up to date name and address info and comes across as a very real collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MI

Complaint narrative:
I paid off my home 28 days ago and still have not received the balance of my escrow fund from PHH Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
PHH has sent us a fraudulent statement regarding our mortgage. They have refused our payments after they received our last trial payment of our loan modification XXXX XXXX XXXX 2016. They also sent us an intimidating and fraudulent Delinquency Notice. We are being harassed by this company.with these threatening notices being sent to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: NH

Complaint narrative:
I have received a collection call from ARA, noting that they have attempted to reach me on several occasions to collect on a debt, valued around {$8000.00}. The debt was apparently last held by a payday loan company, known as XXXX. Prior to that, the debt was held as a signature loan with a company ( XXXX XXXX ) that is no longer in business. The debt supposedly originated around 2001 - 16 years ago. The issues with this request are : ( 1 ) I have never taken out a signature or payday loan with the companies noted ( 2 ) I have never received any communications regarding said debt - written or otherwise After doing some extensive research on Asset Recovery Associates, I have found a multitude of complaints across various websites about this company. They purchase extremely old debt and attempt to collect on it. The problem is that the debt is either : ( 1 ) Beyond the statute of limitations ( in NH, it 's 3 years ) ( 2 ) The debt in question is not even tied to the person that they are trying to collect on I am extremely concerned, as it appears that they were able to acquire a copy of my credit report. They noted all of my current creditors, of which I have a very good or excellent standing. They are threatening to take me to court for a debt that I do not owe with a creditor that I have neither done business with. Based on the numerous complaints that i have found online about ARA, this appears to be their method of operation. I find this to be highly illegal, especially with the treatment that they have given me. They are threatening court action, which I know that they will lose ... but not without the potential risk of hurting both my identity and my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
I have a collection agency ( Midwest Service Bureau ) trying to collect a debt that is still tied up in a Medicaid appeal. I forwarded Midwest Service Bureau the directions and explanation by the State of Kansas to return this debt to the creditor ( XXXX ) and have the creditor ( XXXX XXXX XXXX. ) file the claim with the State of Kansas Medicaid. I have also requested Midwest Service Bureau remove the negative on my XXXX credit reports while this debt is returned to the creditor 's responsibility ( XXXX XXXX XXXX. ) to file with the State of Kansas Medicaid. In reply I received a handwritten letter from Midwest Service Bureau dated XXXX XXXX, that I have until XXXX XXXX to contact them ( Midwest Service Bureau ) in paying this debt. Midwest Service Bureau also enclosed a very unprofessional billing that appears to be a old bill from the creditor itself. ( XXXX XXXX XXXX. ) But there is large areas blacked out by a marker or something to hide something. Then below is a list of + and - dollar amounts that have no explanations. I requested a debt validation and this is what I received along with the XXXX XXXX deadline to contact Midwest Service Bureau. And no street address given. Just a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SECURITY FINANCIAL
State: MI

Complaint narrative:
We have a loan through United Security Financial being serviced by XXXX XXXX. We are under a VA loan and are currently trying to sell our home, in Virginia. Our appraisal was for {$160000.00} and they are refusing our current offer for {$160000.00} and refusing to utilize the VA short sale procedures. Our house has been on the market for over a year and this is the only offer we have had. They are refusing to accept the offer and want to net more money, even though they will be able to get at least {$48000.00} from the VA

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: IN

Complaint narrative:
My dad was trying to refinance his house so that my husband and I could make repairs to the home and live there. We tried for the FHA. I told the representative that the bathroom needed to be gutted, the home was old and my dad did n't take care of the house. The loan would cover all of the repairs and increase the value of the home. During my conversations with the representative I was never told repairs would have to be done before receiving the loan. He assumed the condition of the home and did n't think he needed to specify. We were denied and I lost about {$500.00}. That 's a lot of money to lose due to miscommunication. He was not thorough with his information and did not inform me of everything I would need to know for the process. I called to speak with him today. As I was asking to speak with someone else he hung up on 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 2016-12-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: IL

Complaint narrative:
We started a refinancing with Royal United Mortgage XX/XX/XXXX we sent all required documents. Paid to have house appraised XXXX We were told in would take 30 days refinancing process and not to worry about our XXXX house payment because it will be finished by end of XXXX! Well today is XX/XX/XXXX and we still haven't heard anything positive from our loan officer!! And we have been late on our XXXX house payment and playing catch up on our XXXX payment! Our loan officer keeps giving us the tune around that he's working on it! If we didn't qualify why didn't he he just tell us that!! We are very disappointed we had estimates done on our bathroom and garage plus some bills were suppose to get paid off. This waiting has really put us being as far as mortgage payment being late!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: Williston Financial Group
State: OR

Complaint narrative:
My ex husband refinanced his house on XX/XX/XXXX and WFG is the title company with XXXX XXXX listed as the Escrow Officer. After a conversation with the District Attorney and also a private family law attorney that was representing me in a civil matter with XXXX XXXX, there was concern as to how this refinance could have possibly taken place with a judgement/lien for over {$8000.00} in unpaid child support. In addition it was discovered as XXXX testified in court that that more than {$15000.00} was issued as cash payment to XXXX XXXX as part of this transaction. None of which should have taken place without the child support judgment being paid first. She did indicate that another judgment had been paid but did n't indicate what that judgment was for. I am currently owed more than {$20000.00} and this transaction seems to have been fraudulent. 

I have pulled the public records to confirm the title transfer. If indeed the previous title and the current title are in XXXX XXXX XXXX name, this transaction should n't have legally taken place without the child support being current. 

In addition, the demographics of the house show a XXXX bedroom XXXX bath home. The basement of this home was remodeled without any permits being pulled and the home is now a XXXX bedroom, XXXX bath home. I will notify the county of the work as this is a safety concern. 

The property address is XXXX XXXX XXXX XXXX XXXX, Or

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: MS

Complaint narrative:
When I ask what their calling about, they repeatedly ask for a : ref #. When I ask for their name and company and if it 's a debt collection agency. They get verbally abusive and refuse the information. When I ask for a manager or supervisor they refuse by telling me without aref # they will not and can not transfer the call. They call back to back leaving no messages on my phone and do out all day long. When I refuse any info they hang up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Credit Control
State: MN

Complaint narrative:
This is not my debt, if it was I would have paid it.

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 non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I do n't even know this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
My mortgage loan with Bancorpsouth in MS may have been subject to discriminatory financing. Although our mortgage was approved, the final loan had a higher interest rate and PMI than originally estimated. The interest rate and PMI used in the good faith etimate was 1 % lower than our " lock '' rate and the Final PMI was {$110.00} more. Even their our LTV was only about 82 % we are paying extremely high mortgage interest. I am asking for an immediate refinance to explore other loan products.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
This is my sisters acct how is my name on this? i called XXXX which my sister has and the collection name and they have no record of my ss # or name and cant help me .they ( XXXX ) they did not have a # for Trident the collection agency to give me .they told me that XXXX is taking care of the accts and XXXX does not have any info on me XXXX did say that XXXX is the acct they have on file which is my sister XXXX XXXX.I want this blemish off my record and an explanation of how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
I am contacted several times a day by Gatestone and company international. They call on my cell phone and leave automated messages. However, today XXXX XXXX, they left XXXX messages on my work phone. I work XXXX and I am extremely concerned how they received my work number. I work XXXX with an extension, but my extension is not provided on the initial phone menu when you call. When this company tracks down my work number, which is not easy to do, I feel that this constitutes predatory, aggressive behavior. My work was interrupted twice when I had to stop teaching in order to answer the phone, only to get an automated message. Interruptions like the one 's Gatestone is performing could cost me my job. The automated message does not state what type of debt is owed, to whom, or for how much. I can choose whether or not to have my ringer on my phone on, or whether to answer the cell phone or not, but my work phone, during school hours, are for emergencies. When someone obtains information regarding where I work, and performs such convoluted hurdles to speak with me, it makes me feel violated and fearful on who is searching for my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I have been receiving constant calls from a private number, when i finally answered they asked to speak to me. I did acknowledge and began to listen to the reason for their call and started to get scared. They used threating and harrasing statements. I tried to get information about the debt I supposedly owe from 2012. They continued to threaten me with legal action, and very aggresive over the phone. Represenative started listing all my past addresses and phone numbers saying i could easily be located and sent to jail. I disconnected the call and i called back and asked to speak to a supervisor and the guy who took my call raised his tone, threathing me if i didnt take care of this matter i would have legal action against me. All of this was going on while i was still trying to figure out what debt it was. I have been ignoring their phone calls and they started to call my family members scaring them that it is an emergency for me to call them immediatley or legal action will be filled against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
They continue to call and threaten to sue me if I do n't pay for an old debt that I have already paid over XXXX years ago. I kept telling them I do not owe but they said they will sue if I do n't pay. I do n't owe this debt. I just received a call and found out the company name. ARA inc .

Company response to consumer: Closed with explanation