vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
We bought furniture from XXXX XXXX in XXXX, XXXX in XXXX of 2015, everything went well until it came time to pay. We asked for and were granted a loan a loan on the purchase. We paid {$400.00} down on a {$3400.00} requested loan which left $ XXXX loan was through American First Finance , XXXX, XXXX, at the time we were not informed that this was the provider of the loan. 

We signed a bunch of papers thinking we had done a good job of reading everything, ( guess we missed a bunch ). During this process interest rates were never brought up, ( I guess my wife and I assumed that it would be like XXXX or XXXX XXXX??. 

We only requested terms as we were waiting for the closing check from the sale of our house in XXXX, which we told the sales person, and we would pay the loan off. 

We waited for 3 weeks or so expecting something from the loan company and nothing happened. We called American FF and requested info, ( this was after we discovered who had the loan ). We were hung up on XXXX times, the third time we got through and requested information, which was sent. This is when we learned we had a 120 % loan for 24 months and it was set up to auto draw from our checking account. ( we missed this one, our fault ). 

I called my bank ( XXXX ) to cancel the auto payment and at the same time transfer money from my checking account to pay the {$3000.00}. After a wait on the 3 way call AFF agreed to let XXXX cancel the auto withdrawal. XXXX issued a {$3000.00} check to AFF to pay the loan. 

We waited, checking everyday for the check to clear, and making calls to the XXXX # and were told time after time that the KC office never received the check. I kept calling and finally received a return call and they were all from XXXX XXXX and not a XXXX XXXX, at this point I stopped payment on the 1st check and had XXXX send a certified check to the same address, which was received and cashed and we received notice. Two weeks later we receive a letter from AFF inc.with the 1st check and void written across the check.????????????????????????? 

As I write this my credit report still show that I have an open balance with AFF. INc of {$3000.00} and this was paid off XX/XX/XXXX. 

AFF. Inc seems to be located in XXXX and not XXXX and XXXX and AFF seem to be working together to take advantage of customers, anyways XXXX % interest is ridicules, and the way they go about it is a crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: MONEY SOURCE, INC., THE
State: NC

Complaint narrative:
Continually calling XXXX 8 times per day even after they receive the information about payment dates they are looking to get. Asked them not to call again and was told until the payment actually showed up, they could not take me off their auto-dialer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: North State Acceptance, LLC
State: FL

Complaint narrative:
Hello. i bought in 2013 a dodge gran caravan in XXXX NC, where i was living .and at this time according the contract say and the history payment the got all money of the total of interest they show me when i signed.they say now something difficult that i can not understand, i would not sign such a robbery, they told me in XXXX because in that date my English was less than today, you are gon na pay this total of interest, i say okay, i sign for it.a month later, i noticed i have a GAP, i never asked that, a car with XXXX XXXX mile not need it.Now they wan na i continuing wasting my money .i signed for a total of interest, not that they are telling me now, i know my English is not good but please tray to understand me and i hope this prevent to another people fall in such scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
We have been harassed for well over a year on a daily basis from some scammers calling to collect on debt we do not owe in XXXX different names at our residence. The scammers use many different telephone numbers to make the calls however they all leave robo calls suggesting we contact them at XXXX & XXXX. We do not have any outstanding debt at all that should be on any debt collectors list. They claim to be " Diversified Consultants '' We have told them to stop calling on many occasions however they are relentless. We do not need to revoke consent because they never had any permission nor valid contracts to enforce in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 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: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I paid the alleged debt on XX/XX/2016 through the same agency that is trying to collect or reported this account to XXXX. ( See attached docs )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
At approximately XXXX, I received XXXX email from USAA Bank informing me that had changed the password and pin number for my checking account. Per USAA employee XXXX this was done because someone called in claiming to be me and told them he was on a trip to XXXX via XXXX and needed to obtain some extra cash, however, when he tried to use his debit/credit card at an ATM there were problems. The times on the XXXX emails I received from USAA were XXXX and XXXX, XX/XX/2016. After the bank made the requested changes this individual made XXXX withdrawals of over {$700.00} between XXXX and XXXX. 

The process when you call USAA ( process they put me through ) they ask for my account number or my social security number. Then they ask for the last XXXX digits of my social security number along with my password ( my wife does n't even know my password ). Sometimes they ask for my pin number. Then when I get to an agent in the department I want we go through this process again. How did this individual have all of my personal information? 

XXXX, the USAA person I initially dealt with at XXXX told me the individual had taken out {$450.00} x XXXX. By the time she passed me off to XXXX, she had raised the amount of the withdrawals to {$710.00} x XXXX. It was only when I check my online account register that I learned the actual amount taken from my account was {$720.00} x XXXX. The online account register does not show the location of the ATM used to withdraw the money. After USAA returned my money to my account. I followed the advise of my attorney and set up a new account here in XXXX XXXX, Arkansas and began via ATM withdrawals transferring my money to my new account. AT NO TIME did USAA allow me to make more than one {$600.00} ATM withdrawal a day. 

From the documents I have there are significant questions as how this could happen with such a supposed high quality organization as USAA Bank. This gives me the impression this was an inside job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation
State: NC

Complaint narrative:
Im in the process of cleaning up my XXXX credit report when I notice a negative account from First Data Merchant Services. I disputed the account with XXXX since I 've never been a business owner and never had an account with them. The dispute came back as " We verified that this item belongs to you '', and for me to contact First Data Merchant Services regarding the account. After 2 days of being shuffled around from Corporate customer service to their fraud department, back to customer service again, no one could help me resolve the problem. The fraud department sent me to a department to obtain the last XXXX digits of the account number because they are x 'd out on the credit report. When talking to this person, she indicated she could not obtain the last XXXX digits and did n't know why fraud protection thought she could. She searched the database using my name and no account came up with my name. She then told me that she does n't know what else to do since she had no way to obtain the last XXXX digits of the account number and searching resulted in no account using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I had a signature loan with this company and when I went in to make my payment I was told that I had to covert over to their flex pay loan. Initially If I made XXXX payments I would have the loan paid off. I was tricked into changing over to this new loan with them. I was under the impression that I would still have the loan paid off when I made my XXXX payments. When I went in to make my last payment I was thinking that I was paying the loan off and the balance was still XXXX dollars. I feel that I was deceived and forced into a loan that I did not want. Full disclosure was give. I 'm a victim of deceptive predatory lending. I know the law has been broken

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: DELMAR FINANCIAL COMPANY
State: MO

Complaint narrative:
Hello, My husband and I recently sold our house and as part of the negotiation process reached an agreement that we would pay closing costs not to exceed {$4600.00}. We noticed on the closing disclosure that we could get more information or make a complaint on www.consumerfinance.gov/mortgage-closing. Overall, we feel closing costs of {$4600.00} were too high for the transaction. We received two offers at the same time ( one with closing costs not to exceed {$2000.00} and one with closing costs not to exceed {$4600.00} ), but there were other variables that contributed to us accepting the latter offer. Please note that prior to these offers, we had two other offers with closing costs ( both {$3000.00} ) - the first rejected our counteroffer and the second fell through after the inspection process because of buyer financing. Throughout the selling process, we were told closing costs should run about {$3000.00} and even after accepting this offer, we knew that costs should be less than the amount negotiated ( seldom is it ever going to be the exact amount ). Considering discussions with relators that have conducted several recent transactions, XXXX and our own recent house buying and selling experience, these closing costs do not appear to be competitive and feels like we paid for something else. To further cause concern, the buyers of our house changed lenders after entering into the contract and surprisingly the amount of closing costs did not change. Possibly, the closing costs are legitimate, but we still wanted to follow-up with someone because the fees seem exorbitant, amount was exactly what was negotiated, and very odd that the fee amount did n't change with lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
Just received notification from XXXX subscription that a new collections was added to my report. Puzzled, I log on to see what was going on. XXXX collections were reported to the credit agencies, however, not one time did Commercial Trade Bureau contact me via phone -or- mail. How can I pay debts that I know nothing about when the collections agency is n't properly notifying me?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Original mortgage with XXXX ; they failed to accept short sale ; I was insovlent and unable to pay. XXXX transferred mortgage to XXXX, who issued a XXXX in XX/XX/2014. Now Shellpoint Mortgage Servicing is trying to collect, saying I have an outstanding mortgage with them for the same property. My credit it showing all three as unpaid and negative. The debt was cleared when the XXXX was issued.

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 2016-01-15 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: The CMI Group, Inc.
State: NY

Complaint narrative:
I had closed out my account with XXXX XXXX after paying in full and then moved. 6 months later I got a letter from credit management in XXXX, TX stating I owed {$260.00}. I called XXXX XXXX who stated that I did not in fact owe anything. Credit Management insisted I did and forced me to submit a dispute form which I now fear they wanted for identity information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
XXXX ref # XXXX, contacting my ex husband telling him they are going to arrest me and put me in jail. They have threatened to have the police come to my place of employment. I do n't know who this debt collector is cause when I ask, they just start telling me they are having me arrested. I WILL NOT pay anything I do not owe. Please make them stop. They have even threatened me in regards to my insurance license with the State of Texas. That is threating my ability to work and make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I receive a debt collection letter. 
by mail that are unknown. 

XXXX XXXX XXXX XXXX //// Total Balance Paid, XXXX // Yr. 2016 ... ..other debts unknown../////// Current Creditor, XXXX.. par ) ..unknown ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: MI

Complaint narrative:
I had XXXX medical bills from college, about XXXX that I did not know existed. They were given to a debt collector and after seeing them on my credit report I paid them in XXXX. Now, a company called Credit Control LLC is attempting to collect the debt again even though it was zeroed out on my credit report.

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 2015-11-22 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: The CMI Group, Inc.
State: OH

Complaint narrative:
A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My mortgage loan was tranferred on XXXX XXXX, XXXX from XXXX to XXXX XXXX XXXX XXXX serviced by Shellpoint Mortgage Servicing. The mortgage payment includes escrow payments to cover property taxes and insurance. Shellpoint failed to make the property tax payment and claimed it is the fault of XXXX even though the loan was transferred on XXXX XXXX, XXXX and the tax payment was due XXXX XXXX, XXXX. At this point, I 'm not certain who is responsible but know the money has been collected by Shellpoint. On XXXX XXXX I received a letter from Shellpoint stating my escrow account has a surplus and they were refunding the overage but failed to explain why their was an overage. I did n't realize the property taxes were not paid until my federal income taxes were prepared. My first contact at Shellpoint claimed it was not their responsibility and to contact the previous mortgage company, XXXX. XXXX claims it is the responsibility of Shellpoint. My third attempt for resolution was a call to Shellpoint reaching another service representative. This person claims it is the responsibility of Shellpoint and the taxes will be paid by them but she could not provide a date when the transaction will occur. I will encounter additional fees and penalties if the taxes are not paid by XXXX XXXX, XXXX. I do n't know who to believe at this point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: MI

Complaint narrative:
On XXXX XXXX JH Debt Portfolio Debt Equities falsely reported to XXXX that I have a balance of {$5000.00} which dates back to XX/XX/XXXX. They are claiming that no payments were made for over one year. I have verifiable proof that this account has been receiving payments each an every month without fail. The real current balance is {$1700.00}. This debt dates back to XX/XX/XXXX and is not a new debt as reported by JH Portfolios. I contacted them by phone and they claiming the amount is XXXX This is a total fallacy. I have filed an offical dispute the the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I received a collection notice a few months ago from Linebarger Goggin Blair & Sampson, LLP and I immediately returned a letter to them disputing the debt. Today I received a XXXX collection notice as if they just ignored my first letter disputing the debt. The alleged debt is a Toll. I do not have a car with the license plate identified on the notice nor do I have a car in my name that has ever been to Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am XXXX years old and I have been in review for a modification with XXXX since XX/XX/XXXX. My husband XXXX and I am a XXXX. I have my adult son helping me. Shellpoint has all documents they asked me for including but not limited to all of my income proof as well as my sons non borrower auth form and his income proof. For weeks I have been in active review even the XXXX and Deed are in my name. Now at the XXXX hour XXXX days prior to my sale date WHILE i am in active review, Shellpoint states I need to file documents in XXXX. I am XXXX years old why did n't Shellpoint tell me to do this in the beginning of XX/XX/XXXX. I would have done what they asked. Now XXXX days before the sale, while all along lying to me and stating that my review is active and the sale WILL postpone, they are asking me for the impossible and they are now refusing to postpone the sale. So if they needed probate documents from the beginning, they SHOULD have never accepted my package and lead me down the wrong path. I pray you help me I want to die in this home, I dont have much time left on this earth please do n't let my last experience be with this bank defrauding and lying to me to steal my home under false pretenses. XXXX BLESS YOU

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
I received a toll violation around XXXX of 2016. The company linebarger law firm was representing XXXX to collect a debt. Upon further research I found that the violations were made when these vehicles were not in my possession as they were sold before the date of the violations. I have been sending letters back and forth with this organization for 10 months and even had to get my lawyer involved. I have proven that this is not my debt but I continue to receive harassing letters from this company. At this point I have done everything I can. I can supply all correspondence and documentation between me and the agency over the past 10 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation