vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: NE

Complaint narrative:
In XXXX of XXXX I used the XXXX program to refinance my home. The purpose of the program was to help lower my payment but without requiring an appraisal because my home 's value was and still is lower than the principal balance owed. I ended up getting my original loan refinanced and my payment started out being {$1900.00} a month. Since XXXX, my payments have risen to {$2300.00} by XXXX of XXXX. That 's an increase of {$410.00} a month in just 3 years. My property tax has not risen that much and while my home insurance has risen, it has definitely not increased by {$4900.00} a year. I do n't think banks realize what this does to a person when they only make so much money a year and budget for a monthly home payment when they close on a loan. I have complained and inquired about this to Plaza Home Mortgage for the past 2 years and the only response I have ever received from them is that they under estimated my escrow amount to be paid ; and of course with an offer to pay the difference in full vs. monthly ; yet they made the error in calculating. In XXXX of XXXX, my home insurance went up by {$86.00} a year. Over the past 3 months I 've sent a couple of messages to Plaza Home Mortgage reminding them that they need to make sure that when they analyze my escrow payments in XXXX XXXX XXXX, they take note that my home insurance is {$1800.00} and NOT {$1700.00}. I just looked at my escrow analysis and they disregarded the messages I 've sent to them and I still show they have my hazard insurance at {$1700.00} a year, which I believe will result in yet another escrow shortage by XXXX of XXXX. I have sent them XXXX messages in the past week and have received NO responses. I still have no good explanation of why my payments have gone up {$4900.00} a year ( {$410.00} a month ). I have every reason to believe that Plaza Home Mortgage is doing this same thing to other home loan borrowers and I believe they are making more profit from the loans and not reporting it to the government or something else is going on. My suspicion is that they are using home owners equity accounts to make money because they would avoid paying taxes on our equity OR they have grossly miscalculated my annual escrow from the beginning. My reason for suspecting this is because of lack of valid proof of the large increase in my monthly loan payment amount and lack of responses from the mortgage 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 2016-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following.

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 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Comerica
State: MI

Complaint narrative:
I decided to close my Comerica banking account after 44 years because it continued to charge me fees to maintain both a checking and a savings account, and offered no interest on the deposits. To close the accounts, I transferred XXXX pension direct deposit checks to a new financial institution which offered interest on savings, and fee free checking. 

After waiting two months after the XXXX direct deposits were stopped at Comerica, and three months after establishing my bill payments practices via the checking account at my new financial institution, I received a statement from Comerica showing no new checks cashed against the account for the past two months, and a $ 13 monthly fee to maintain the unused checking account, and a $ 12 monthly fee to maintain the unused savings account balances. 

I transferred the remaining savings amount to the checking account, and wrote a final check against the account for the remaining balance ( after subtracting the fees from teh balance ) and deposited the amount in my new bank, thinking I was done with Comerica. 

After the final check from the Comerica account cleared that account and showed up in my new bank account, I went to the Comerica account 's on-line access to learn how to formally close the XXXX old accounts. I discovered a more than six month old check for {$25.00} had been cashed against the account, and found a negative balance on the checking account and a bad check fee added to it. My next mailed statement, which I was going to use to address the check issue while disputing the fee since the account had been closed, showed the bad check amount, the bad check fee, a weekly " recurring fee '' for outstanding bad checks, and the usual {$25.00} in service fees to maintain the accounts. 

When I contacted the bank by phone, I was told that the only way to close the accounts was to cover the bad check ( which I agree is correct ) and pay all outstanding fees and penalties Comerica generated against the accounts ( to which I object ). 

Now I have received a notice from a consumer finance loan firm acting in Comerica 's behalf which said it must either receive a check for or make up a payment schedule to address at least {$54.00} to close the matter as of the date of the printed notice, but it ca n't give me a final amount until I call their XXXX to confirm there are no new charges. 
I assume {$25.00} of that cost is the amount overdrawn against the account, but the remaining cost is the fees I dispute with Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC
State: TN

Complaint narrative:
forced disconnect of phone/ip line from XXXX has been force collecting since, thru ch XXXX keep reselling the debt and re age the account. refuses to work with XXXX. XXXX refuses to take action and keeps dropping my claims for XXXX reasons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CFM Group LLC
State: CA

Complaint narrative:
Our company has an outstanding balance due. We have been in constant contact with the company we owe. They sent our account to a collector at CFM Group without correcting our dispute with them. CFM calls the front desk to be transferred to my line even though I asked him not to call the front desk since we are an XXXX our girls at the desk are too busy to be bothered by him. He then leaves me voice mails back to back for at least 2 hours every day. As of today I asked him to stop calling or I would be left with no other choice but to report him for improper practice. The harassment has to end as of today i have XXXX voicemail 's back to back after my last talk with him of him just breathing heavy into the phone. I know its him since I have called ID!! This has gone on for well over a month every day. He is demanding, rude, inconsiderate, demeaning, and chauvinistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pinnacle Credit Services, LLC
State: ME

Complaint narrative:
Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: NY

Complaint narrative:
I sent a debt validation letter to Pinnacle Credit Services on XXXX/XXXX/2015 and they ignored my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: TN

Complaint narrative:
The TN Human Services department has all child support payments going to the XXXX debit card issued by Coamerica Bank and Elite. The card is also referred to as an XXXX. Each time you dial the customer service number on the back of the card, no one picks up ( Tried 5 times now and longest wait time so far is 1 hour, 15 minutes ) and a fee of {$.00} cents is deducted from the child support balance. Summed up, no one answers the phone, online access does n't actually allow you into the account and the app does not work. It keeps you in a perpetual loop of asking validation questions, without actually validating your personal info to gain access into your account. This is a rip-off. Once you dial in with your personal card info or social, it automatically deducts money from your account without providing an actual service. I 'd like to simply have my money direct deposited into my checking account versus this rip-off debit card w/ NO customer service at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I never requested credit form this company. I want this HARD INQUIRY DELETED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica
State: GA

Complaint narrative:
there was a gentleman unknown too me that used my credit card to pay his Georgia power bill acct # XXXX on 3 different occasions. The first transaction was on XX/XX/XXXX {$140.00} the second was on XX/XX/XXXX {$250.00} and XXXX more transactions on XX/XX/XXXX {$320.00} XX/XX/XXXX XXXX. I filed these transaction with my bank and they closed the case because someone did a balance inquiry check and they say they are unable to determine if fraud occured. I informed them that I did n't check my balance so It had to be the person that payed there bills with my card. they asked me to send in further documentation so I sent the a Power bill that I got from the landlord that was for the same amount and date which was on my credit card statement and the account name they still did not reopen my case so thet gave me the option to speak with the merchant directly so I have spoken to the merchant in regard to these transaction and was informed that they would credit the charges back to my account if I can give the full XXXX digit card number that was used to make the transactions I indeed gave them the card number and was told the transaction was in process of being reversed. I called to follow up the next day to see if the charges was reversed and someone told me that they ca n't reverse the charges because they are fraudulent and they told me that XXXX was misinformed to reverse the charges. they told me I have to contact my bank. So I informed to them that I do n't have a bank and the card that was used is a prepaid card. I gave them the dates, amounts and the whole XXXX digit card number in order for them to look up the charges they found them and I was told they would be credited back to my account by customer service Rep XXXX ID EXTENSION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Go Capital Holdings, LLC
State: NC

Complaint narrative:
I recently received an auto loan from subprime lender GoFinancial XX/XX/XXXX. I was hit with Identity Theft in XX/XX/XXXX and am still experiencing such, including I was hospitalized and was unable to work. I did fall behind on my payments however, I contacted them and advised of my hardships I was experiencing on top of my bank accounts being accessed and liquidated by the infiltrator. I was advised to make {$100.00} payment to avoid my car being repossessed. On XXXX XXXX, my car was picked up a month prior GoFinancial had placed my account in a charge-off status after I had explained my situation and hardships and advised I only had to make a {$100.00} payment. I paid my past due balance and picked up my car but was advised my account will remain in charge-off although there is no actually repossession.

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: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Pinnacle Credit Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Violated the FDCPA by placing an account with XXXX XXXX into collections status with all XXXX credit bureaus without validating the debt of alleged XXXX with XXXX XXXX using XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX letter dated XXXX XXXX, 2015 was sent to both party 's requesting validation of this debt which was not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Chaparral Inc
State: OH

Complaint narrative:
I am a co-borrower a car loan with my ex-husband ( XXXX XXXX ). The car was bought XX/XX/XXXX.At first, I was paying half on the car. My ex could no longer make the payments werein XXXX XXXX ( formerly known as Northcoast Financial Services ) contacted me for payment. I began making the entire payments, XX/XX/XXXX. XXXX, took my ex husband off of the white title but not the loan. XX/XX/XXXX I tried to trade the care in and when they ran my credit it was found The finance company has never submitted to the Credit Bureaus my payments. I I contacted XXXX and spoke with XXXX XXXX, who assured me that it would be taken care of by XX/XX/XXXX. n the meantime, three days later I followed u by sending Dispute Letters to all XXXX Credit Bureaus and a Registered Letter To XXXX XXXX XXXX . XX/XX/XXXX I went back to the same Car Dealership and was told the car was still NOT ON MY CREDIT REPORTS. I again contacted XXXX XXXX and again he assured me it would be taken care of. In the meantime, the Credit Bureaus never addressed my disputes so I turned to the XXXX and am working with XXXX XXXX. XXXX XXXX has been in touch with her via emails and they keep giving her different dates of when the issue will be resolbed. I think they keep changing the date because I either made my last payment XXXX XXXX or it will be XXXX XXXX so they can deny the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I was told at the front desk of XXXX XX/XX/XXXX that there was no debt owed by me when I asked about the remaining balance. 
After three years I see that is is still being reported as late as XX/XX/XXXX. 

I did not know this was happening. 

No attempts to collect this have been made to my address with any communication, not letter or email. 

This has affected my credit rating for awhile and I am not certain that removing it by paying it will actually happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: Stellar Recovery, Inc.
State: VA

Complaint narrative:
I contacted Stellar Recovery Inc about this account that was sent to them by XXXX at XXXX. Stellar Recovery told me that the account is no longer with them and that I should contact XXXX XXXX. I contacted XXXX XXXX at XXXX and they told me the account is no longer active and they ca n't do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 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: Stellar Recovery, Inc.
State: FL

Complaint narrative:
I had a bill from XXXX that I defaulted on and made all payments to Stellar Recovery Inc for the amount of {$280.00}. I have made final payment to the account and now I am being told that I defaulted on a payment and have NFS fee 's from my payment in XX/XX/XXXX. I am being charged an additional {$30.00} to this account. The payment in XX/XX/XXXX was automatically withdrawn through my bank and I have checked with the bank and there are no return fee 's on my account. I checked with Stellar Recovery and was told I had to handle it through XXXX. I have called XXXX sent them proof and I am still being given the run around. I called on XX/XX/XXXX and was told to give them 7 days to process and they would contact me. I called again today and was told I need to give them an additional 7 days to process again. They do n't provide someone in there collections department to speak with and I am getting no where with closing this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Consumer Asset Management (Texas)
State: WV

Complaint narrative:
A company claiming to go by the name Consumer Asset Management out of Texas called from the phone number XXXX XXXX XXXX XXXX requesting that I call back by XXXX the next day about a debt on my social. I was requested to call XXXX XXXX XXXX XXXX. They threatened me with orders to put me in front of a judge concerning a debt of {$13000.00} which I do not owe according to my credit reports. They refused to supply anything beyond the name Consumer Asset Management and the phone number already supplied. When asked for the license number and address their response was that it is public domain and was refused this information. When asked for a written validation notice, they refused and said that they will only send out a letter of offer of settlement for {$4000.00}. I again asked for validation notice only and was refused, again only being offered the settlement letter and being told that once that settlement letter was sent I accept the terms of the letter. I refused and said I will not do anything until I receive a validation notice. They stated they are not required to send those out. I said I was reporting them to the FTC and he said " go ahead '' and hung up on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
XXXX- Stellar Recovery is trying to collect a debt I do not owe them for services I have never order from them. They assigned my SS number to someone else account by mistake or deliberately. I understand they want to collect over {$600.00} USD from me I have try to clarify this issue and now they want me to make a police report on identity theft and I will do so to keep them from damaging my credict.I just feel a victim myself of this company in their quest to make profit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
I received a letter from Immediate Credit Recovery stating I owe them {$74000.00} In student loans. I called XXXX The department that manages my student loans and they confirmed that I only have XXXX in student loans total. There is XXXX in interest. There are two problems here. 1. I do n't owe XXXX and there is another company already garnishing me for XXXX. Between the two companies they are taking XXXX every two weeks from my pay. That 's XXXX per month and XXXX in the 2 months that have 3 pay dates. How can two different collection agencies garnish you for the same money. Immediate Credit Recovery has also reported double loans to the credit bureau so that now it looks like i have twice the loans in default than I actually have. My credit is bad enough without it doubling up on default payments. i spoke with them back in XXXX about lowering the garnishment amount and they refused. I made arrangements to make payments from my credit card but they have not been taking the payments. I have called and got put through to a voicemail box and no return call. They have no problem calling me 19 times a day when I 'm at work or in bed, but when I call them with a problem I get no response.

Company response to consumer: Closed with explanation