vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage has alleged since XX/XX/XXXX they are servicing on loan numbered XXXX. I have disputed this debt since their allegations. I HAVE NOT made a payment on this debt ever. According to Nationstar, this debt has a running arrears more than {$140000.00}. They are reporting this disputed debt to the credit bureaus as delinquent. Nationstar Mortgage reports the alleged debt as delinquent, but advises I ca n't make any payments. I 've attached the most recent activity Nationstar Mortgage has reported to the credit bureau on XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT ON THE ALLEGED DEBT AND I WILL NEVER MAKE A PAYMENT ON THE ALLEGED DEBT THAT IS A FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: NAM National Arbitration and Mediation
State: VA

Complaint narrative:
I received a call from a spoofed number. I could tell because the area code was XXXX but the caller ID did n't have a state. They left a message saying they had something ( they did n't get specific ) attached to my social security number and would take legal action if I did n't return the phone call. I find it interesting that they would n't reveal their company name. Professional companies give information not shady messages. 
The ONLY way I will EVER communicate with them is if they mail me a copy of the original debt, who they are collecting for, a copy of a contract or payment agreement, and dates of payments I did make. Until I receive the above information they are not to call me.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: New Mexico Educational Assistance Foundation
State: NM

Complaint narrative:
Since XXXX I have tried to consolidate my student loans held by New Mexico student loans, ( XXXX ; New Mexico educational assistance Foundation ), they go by many names. I am currently on medical leave with my current employer due to a XXXX and XXXX XX/XX/XXXX. New Mexico student loans Corporation continues to insist that they are a federal student loan company but the US Department of Education does not have them listed in there database, XXXX. I currently have all my student loans consolidated under XXXX as my service provider. New Mexico student loans was not eligible because they are a private company and they are not willing to work with me on any forbearance or income-contingent repayment plan and continue to reflect negatively on my credit report. I filled chapter XXXX bankruptcy in XXXX and I do n't understand why this debt was not dischargeable because they are a private lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Mobiloans, LLC
State: OR

Complaint narrative:
In XXXX 2014 I took out a {$1000.00} 'Line of Credit ' at about the same percentage as a payday loan from a tribal lender - Mobiloans. Over the course of the next 10 months I made regular payments of {$95.00} every two weeks. A few times I paid off the loan completely, only to need to take it out again. In XXXX I signed up with a debt management program. Mobiloans denied the proposal, saying they do n't work with those. I was told they would not accept any payment discussions on my loan until I was 30 days late. Once at 30 days, I called back to again discuss payment arrangements. I was not trying to 'settle the debt ', I was trying to pay it back with arrangements I could handle in my budget. I was told I could pay {$950.00} in XXXX installments of {$470.00} each within 30 days and this would satisfy the remaining amount due of {$1300.00}. I was told this would be accepted as payment in full and release me from the remaining debt. At great hardship, I made these payments on time, for a grand total of {$5000.00} paid on {$3400.00} loaned. 
During the entire time I was making on-time payments, nothing was reported to my credit report at all. As soon as I made the last payment of {$470.00}, my Transunion reported showed up with a Mobiloans account, of {$1300.00} Charged Off/Unpaid to Collections. 
I immediately called, and was directed to email Mobiloans Disputes. Disputes told me they would change it to Charged Off/Balance {$0.00} because I had 'accepted a settlement '. At no time during the payment arrangements was I told this would report to my credit this negatively. Usually Charge Offs are reported when there are XXXX plus months of non payment. This was not the case. 
I offered to pay the remainder of the amount they accepted as Paid in Full just to have this removed. They refused, saying it was my mistake that I chose the settlement option. I asked that they remove the Charge Off then as this was only hurting my credit, not them, as they 'd received {$1500.00} above the original loan paid back in full. I was told that they had to report 'accurately '. However, they had not reported 'accurately ' the amounts paid, nor the good payment history before the accepted final payment. 
I 've sent multiple letters and called numerous times. At best, I 've been told 'I should be thankful they are only reporting XXXX '.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I received a judgement ( request and writ for garnishment ) slip from a company that I contracted for last year. This debt is more than 20 years old and is not valid or right according to my research. To elaborate on the situation here are the details, purchased a vehicle back in 1996, after a time the vehicle was stolen, no use in continuing payments on a vehicle that I no longer had possession of and yes the information about the theft was provided to Credit acceptance. Fist this debt is way over the statute of limitations and secondly I have not been served any papers to appear in court to defend the validity of the case. I do not have any papers due to the fact of the age of this situation and I am looking to see if there is any remedy for me due to improper handling of an old debt.

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 2017-02-13 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Mobiloans, LLC
State: NC

Complaint narrative:
Follow up to Case number : XXXX I am writing because a response was never received from this company. It is also reporting negative on my XXXX credit report. I request this be removed as their was no response from the company. 
The original complaint was sent XX/XX/2016

Company response to consumer: Untimely response
Consumer complaint received 2017-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GEORGETOWN MORTGAGE, INC.
State: TX

Complaint narrative:
Back in XX/XX/XXXX, we started the planning process of building our dream home. as the process got on the way after closing XX/XX/XXXX, we started noticing that the builder was not doing what they advertised and we were informing the lender and they were just allowing the builder to continue to collect money but no work was being done on a consistent basis. after countless back and forth emails, XXXX way calls, face to face meetings, we ended up terminating the Builder XX/XX/XXXX. The lender almost allowed us to go into default and showed no real vested interest in what we ere concerned about.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to Citibank. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called Citibank numerous times and updated them, but failed to put that information into writing. By late XX/XX/2016, the debt consolidation loan settled and a check for {$33000.00} was issued to Citibank. The last account statement I received from Citibank ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from Citibank. Citibank apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe Citibank, despite two letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Has CITI disable the FICO Score for the the " Citi ThankYou Preferred '' Credit Card? 
Last Update was XX/XX/2017 From CITI Bank, " Thank you for connecting with us here on XXXX. I understand your concern and would be glad to help. I am sorry about the frustration regarding your FICO score.The FICO score is updated once every 45-60 days for the month prior. If your last update was on XX/XX/2017, then you should see your XX/XX/2017 FICO score around XX/XX/2017. Please let us know if this helps. 

Thank you, XXXX XXXX. '' Really? 
Why Supply a FICO Score that is 45 DAYS OLD. XXXX Come one Folks is it really that hard to update the customers information the same day that you get it? 
Granted it is one of the more Useless FICO Credit Scores, but it should be supplied to the Customer when you get it, not days, weeks or a Month later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citibank account. I wrote a check out of my Citibank account for {$23.00} to deposit into my XXXX account. I had funds in my account at Citibank to cover the check. However Citibank returned my check for {$23.00} because they said I did not activate my checks. Citibank did not send me any disclosures at all. No disclosures for the account, and no disclosures saying that I have to activate my checks. I printed the full transcript of the chat I had with the Citibank representative. Because of this issue it caused me to start a bad reputation at XXXX. And I also got charged a fee for the returned check. Clearly Citibank violated regulations for not disclosing the information to me. I never heard of activating checks before. I have heard of activating a Debit Card and/or a Credit Card, but not checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank
State: WA

Complaint narrative:
My daughter XXXX is trying to establish her first credit. She took advice from XXXX which suggested she apply for a credit card through First Progress. This was approximately 2 months ago. She has still not received her card. However, she can see on line that she has a payment due! Additionally, my husband signed up for the same card in XXXX, 2016 and they withdrew {$300.00} and he has never gotten his card and demanded money back to his account and they said they would put it back but they never did. This white collar crime entity should be SHUT DOWN FOR FRAUD! Where is the enforcement at? They have now stolen {$200.00} from my XXXX year old daughter who is seeking to establish her first credit and she has not even received her card and they are wanting a payment from her. Same with my husband. They have now stolen {$500.00} from my family. I will file a separate complaint on my husband 's behalf. I will also file other complaints where necessary for this matter. Certainly CFPB is aware of their game. I have seen other similar complaints. SHUT THEM DOWN! What 's the hold up? NOT OKAY. TOTAL XXXX What it is, is these other bank entities see what the big banksters did with securitization and so they know what they can get away with until Congress finally gets them and holds their hands out for the fines, but in the meantime First Progress and like entities are rolling in the dough at the expense of the hard working tax payer. Total XXXX. We will wait to hear a response. The money is PAST DUE AND OWING PLUS INTEREST! We WILL NOT do business with this entity. XXXX has some liability here for even suggesting such an entity. That will be the next complaint as well. They are advertising them on their site as a suggested entity to start building credit. WHAT A BAD EXPERIENCE and EXAMPLE. Pathetic! Fraud and Embezzlement going on here! They are also very hard to reach. REF # For the Credit Card is XXXX. Their Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Financial Debt Services, LLC
State: PA

Complaint narrative:
this debt is for an appointment that i missed with a doctor ive never met. I called her to explain that i was sick that week. It didnt matter, her policy is to rip off the public for a missed appointment. to the tune of {$100.00} for no services rendered. XXXX XXXX XXXX XXXX in XXXX, Pennsylvania.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 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: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
Regions Bank granted a {$500.00} line of credit loan to me in which I defaulted on. In XXXX XXXX, {$79.00} was withdrawn from my checking account without my authorization to be applied to the balance owed. XXXX XXXX, XXXX, {$150.00} was taken from the checking account again without my authorization and the line of credit was showing active but I was not allowed to withdraw any money from it. This amount caused an overdraft in the account and the my car insurance premium was cancelled for non payment due to the unauthorized amount coming out of the account, attempts to reach the debt collector was futile XXXX XXXX. XXXX {$130.00} was taken out of the account without authorization, XXXX {$100.00}, was taken out without authorization, and XXXX XXXX, XXXX XXXX was taken out of the account without authorization. I called the debt collector XXXX XXXX, XXXX and spoke with an agent to question why I have paid {$670.00} on a debt of {$500.00} and can not see the activity history to explain to me why I am paying more than what 's owed if the account is closed. The agent stated that technically the account is not closed and to use a different word to describe the status of the account. His explanation of the status is that it is still active, I just do n't have access to withdraw any funds from it and it still shows active with a {$500.00} credit limit with no available balance and I still owe {$220.00}. I asked him for what, he stated for late fees and interest. I asked him why I was prevented from seeing the payment activity history online when viewing the account, I had to use the checking account statements to see the amounts taken out of the account but no statements from the debt collector to show the payment history neither in writing nor online. When I accessed the online checking account and clicked on the account for the line of credit, it only shows the amount owed, does not show an activity history. The agent advised me to pay the {$220.00} to clear the account and I stated to him that he has not sufficiently explained to me why I still owe anything as they have not sent me a statement. There has been no statement to show how they 've determined that I owed XXXX, that amount never showed on the online line of credit account, just the {$500.00} credit limit and balances once the debt collector withdrew the money out of the account without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kingston Financial, LLC
State: MD

Complaint narrative:
I received a collection document from XXXX XXXX XXXX regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at XXXX XXXX XXXX and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is Pyramid Aquisitions. According to the information I 've received from XXXX, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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: DYNAMIC RECOVERY SERVICES, INC.
State: CA

Complaint narrative:
dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
Hello, After multiple attempts to request documentation on a debt for verification, and after providing a receipt for payment from XXXX, Plus Four Collections account for {$100.00} was removed from XXXX consumer reports due to non verification according to XXXX On XXXX/XXXX/XXXX I was contacted by XXXX advising me that Plus Four, INC. increased the amount by XXXX dollars to {$100.00} XXXX and again began to collect and harass me via multiple message telephone calls, including some after XXXX, for a debt that they had failed to verify, as well as had proof of payment directly to the medical office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX and Speedy Cash sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report Thursday XX/XX/XXXX I was called a man name XXXX stating he was coming to my home and serving me in XXXX County. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX was paid in full at least 5 years ago. It was my understanding that the account had been closed. Now I am being billed by a debt collector for overdue charges on what? I do n't even have the credit card nor have used it for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: 1ST ALLIANCE LENDING, LLC
State: NY

Complaint narrative:
First Alliance Lending lost my XXXX and XXXX State and Federal Tax returns, including all XXXX. 
After prequalification, I was instructed to provide both years to First Alliance, and I delivered them in person to have them scanned which would be returned to me " shortly. '' This was XX/XX/XXXX, and my mortgage was finally closed on XX/XX/XXXX. During those four months of negotiations and preparations for closing, I requested that the returns be sent back on a weekly basis. I still have n't received them, and they are unwilling to help me further. Now that I 've moved out of state, I am having immense trouble getting tax help from professionals since my XXXX and XXXX returns were lost. First Alliance lending has been unhelpful and essentially told me " too bad. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: PA

Complaint narrative:
I have had some fraudulent issues on my direct express card. I have filed disputes and they claim no error am has occurred. For orders returned and not refunded they still claim no error has occurred. They have claimed I did n't send paper work. But a dispute rep has read off what I put on the the dispute forms. They are refusing helping me get my money back. It is n't a few dollars. This is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Stellar Recovery, Inc.
State: MD

Complaint narrative:
I never had an account with XXXX. I never lived at the reported address. I sent a letter asking to verify that this account was mine and nothing was sent from the credit repoting agency

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