vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I had a {$25.00} minimum payment due on my Walmart Card and paid {$30.00} online on XXXX XXXX, 2017. I had no idea that Synchrony Bank would hold the payment until XXXX/XXXX/17. When they applied the payment, it overdrew my bank account. Knowing that I already paid it, I contacted the bank who then did not authorize what I thought was a double payment. Subsequently, I contacted Synchrony who accused me of 'scheduling ', not paying on the account. They assessed me with late fees, etc. on XXXX/XXXX/17 I paid {$30.00} ( for XXXX 2017 ) and then received a notice from Synchrony that I owed them another {$41.00} for XXXX. I called them and even though they agreed to adjust the late fee, they refused to adjust the minimum payment due by the XXXX of XXXX. In addition to that the customer service rep hung up on me when I was in mid-sentence. I had to call back and go through the automated process all over again. In speaking with a manager, I was told that absolutely nothing could be done to adjust the {$41.00} due. Since my billing cycle closes on the XXXX of each month, my XXXX payment of {$30.00} on the XXXX should count.

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 2017-03-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I applied for a loan many times with Rise Credit and they never approved me. They tell me that I was declined with no reason and told me to write them a letter asking why I was denied. I believe I have been discriminated because of my race.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: Association Collection Services LLC
State: WA

Complaint narrative:
I was sent to collections for getting behind on my XXXX payments. I repeatedly have tried to contact the Debt Collecting company ( Association Collection Services LLC, XXXX WA ) by phone and e-mail to resolve the amount due. I left several voicemails and e-mails with no response back. I have been trying to resolve this for 1 month.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: IMC Capital, LLC
State: TX

Complaint narrative:
I received a " business line of credit '' card in the mail, unsolicited and addressed to me personally at my business. The document says " call now to activate ''. It is addressed from XXXX XXXX, XXXX XXXX XXXX. # XXXX XXXX AZ XXXX. 
I called to discuss and they stated this was an invitation. But it looks just like any other legitimate credit card that one would receive in the mail.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV is reporting a debt on my credit report, XXXX and XXXX, this company, LVNV, has not validated this debt as per my request and as per fdcpa, they are in violation of FCRA and subject to a XXXX fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XX/XX/2017 I refinanced my mortgage and paid off Ditech Financial. I have still not received the refund of my escrow account. I have called several times and I have been told that the check was sent. Every time I call I get told the check was sent on a different date. So far I 've been told the XX/XX/XXXX the XX/XX/XXXX and the XX/XX/XXXX. Every time I call they get nastier and nastier and change their story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Essential Retrieval Group
State: IL

Complaint narrative:
My girlfriend was contacted by phone on XXXX/XXXX/XXXX by phone. A message was left stating that the agency would be delivering documents to appear in court and that XXXX forms of identification should be provided at time of delivery. To cancel this delivery, they would need to receive a returned call. She thought maybe this was a call for herself, as they did not mention a name in the message, so she called the number the agent provided to get more information. She spoke with an agent who went by the name of XXXX. The agent mentioned to my girlfriend that they were trying to reach me through her, that I owed a debt, what kind of debt was owed, who the debt was with and the year the debt was supposedly from. ( As a side note, they said the loan debt was from XXXX though I did not take out or owe on a loan, other than long-standing student loans, in XXXX. ) My girlfriend gave me all of the information they provided so I could look them up and report them, and all I 'm seeing are comments and reports of unethical and possibly illegal practices.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
My husband and I XX/XX/XXXX XXXX XXXX and Prestige Financial XXXX, UT XXXX was our lien holder account number XXXX. We purchased the car in XX/XX/XXXX. I was in a accident the person that hit my car had XXXX insurance. XXXX gave me a list of companies that guarantee there work here in XXXX, Il so I choose XXXX XXXX. We originally owed XXXX on the car and the damages was XXXX the car was fixed and about 1 year later the car stopped so I called XXXX and they came and towed the car I was told that the transmission went out and the car had XXXX miles.At that time we could n't afford to get the car fixed and make the payments. We informed Presitge, the car ended up being sold to XXXX. We never received a certified letter saying the car was going to be sold. According to Illinois repossession and legal aid they should have done commercially responsible resale which goes under section 810ILCS 5/9-625. Prestige should have sold the car in a auction or made it public instead they sold the car to Prestige Financial for a lower cost instead of the highest bidder. Prestige Financial took us to court and we were not able to go to court so there was a judgement of XXXX against my husband and I. Which we only owed XXXX to began with. I do n't think it 's far that Prestige gets XXXX from us and they sold the car a car that we will never have. Prestige has also been garnishing my husband pay checks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: America's Mortgage Lender, L.L.C.
State: NJ

Complaint narrative:
We 've started working with this company called CMS ( Customized Mortgage Solutions ) via a broker named XXXX XXXX XXXX on XXXX XXXX and submitted our application on XXXX XXXX. We provided all info they needed and the initial closing date was XXXX XXXX. They missed the due date which was XXXX XXXX to get us the loan commitment letter and ordered appraisal after XXXX XXXX. We kept emailing about the appraisal schedule since it 's a XXXX family house and both units are occupied by tenants which we already informed them several times. Eventually we heard back from our agent that the appraiser went to the property without any appointment or notice on XXXX XXXX and could n't see the inside. They requested re-visit fee and we denied at first because it was n't our fault, but our seller 's agent said she would cover the fee and CMS ask me to pay with my credit card since it 's under my name. So I gave them the authorization and I figured they charged on mine & the seller 's agent, which was double charged. 
After the appraisal, the report took more than 2 weeks and after we got the report I found they put the wrong picture in XXXX page & wrong floorplan sketch with wrong sqaure footage on XXXX page which they made the property half of the size. 
I requested to fix this more than 4 times via email over 5 days and CMS never replied on anything. We finally decided to move with another company and let the lender know and requested a refund on the wrong appraisal report & re-visit fee but all they said was they have no control. I asked my attorney about this and he said CMS should refund the money if the report is wrong.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir or Madam : This is the third time that we turn to you for assitance. The initial problem was an unrecorded mortgage. Through your help, XXXX XXXX XXXX recorded the mortgage in question ( see assignment of mortgage attached. ) Now the ultimate goal is for us to obtain a letter of satisfaction for the recorded mortgage. XXXX XXXX XXXX ( XXXX ) took over XXXX, which assigned the mortgage to Washington Mutual. XXXX finally recorded this assignment with the XXXX County Clerk 's Office ( XXXX letter enclosed ). Because JP Morgan Chase took over Washignton Mutual, XXXX stated that Chase will have to provide us with the Lien Release or Letter of Satisfaction. Please note that we refinanced we another bank and paid off the Washignton Mutual mortgage more than 10 years ago. The XXXX requested that Chase send directly to us the Lien Release in its original form. While we will be responsible for the recording fee, the XXXX indicated that they can immediately execute the release if we bring it in person. 
My wife and I want to acknowledge your tremendous help and getting this issue resolved. 
Yours truly, XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems, L.P. has continued to call my place of employment and cellular phone a week after receiving a certified " cease and desist '' letter for a debt. Majority of the calls are coming to my desk phone at work at least 4-5 times daily and then my cell at least phone 2-3 times daily with numerous messages which I have saved as evidence. The phone calls were sometimes back to back and very annoying as I was working and or at home. I advised the company in writing the debt is under dispute and will contact them regarding the debt after I research the balance, but to no longer contact me via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Lowcountry Credit Inc.
State: SC

Complaint narrative:
I financed a car through XXXX XXXX in XX/XX/XXXX. After missing two payments, my car was illegally repossessed by the company. I never received a delinquency letter, or a right to cure prior to the repossession. After the car was taken, I contacted the company and was told that I had to make up the delinquency immediately to regain possession of the vehicle. I was not allowed t to retrieve my personal items from the vehicle, nor was I given anything in writing, detailing the amount I owed. I received a letter a few months later stating the car had been sold at auction. I was never informed of any remaining debt owed on the loan. There were never any attempts of collection. I contacted the company twice asking for validation of debt but no calls were ever returned. 
In XX/XX/XXXX, I received a XXXX from the company, demanding that I declare the uncollected debt from sale of repossession, on my tax return. I have never received any information stating that I owe this debt. XXXX XXXX has had 5 years, under South Carolina 's Statute of Limitations, to pursue this debt, either through the court systems, or by legal means of debt collections. I have never been given the opportunity to validate the original debt, nor have I been given the opportunity to settle the debt under FDCPA laws. It 's not fair that I should have to add " income '' that has never been validated, to my taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: First Recovery Solutions, Inc.
State: DC

Complaint narrative:
I received a message from XXXX XXXX this morning. She said there was a claim against me and I needed respond, but she called my father 's house. That is not my home nor do I give out their number so I 'm not sure XXXX XXXX left more information with my stepmother than she did in the voicemail she left on my phone. She told my stepmother she was calling from First Recovery XXXX claim # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was notified by Discovercard on XX/XX/2017 that due to a change in my credit profile, they were lowering the available credit. Nothing has changed in the last year, I have never made a late payment to Discover or any of my other creditors, my debt ratios have been the same, I have not applied for any bank loans, my last bank loan was exactly 1 year ago. What did change was I accepted a balance transfer with Discover for a 0 % promotional interest rate offer good for 1 year. Now that Discover has lowered my available credit, I am forced to start paying back this balance transfer early. This bank changed the terms, even though I have a near 3 year relationship with them, with perfect credit, no missed payments ever! Since I already paid the balance transfer fee, I am out those funds, without the full value of my 0 % APR!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Office of Mark L. Nichter, PC
State: FL

Complaint narrative:
I have been receiving phone calls on my private cell phone from XXXXphone number. 
I live in XXXX and it is a XXXX area code I do n't recognize. 
They have never left a message, so, a XXXX ago I called back and askedthem to identify themselves, name of company, and what this is about. 
They keep trying to seek verification from me. I will not unless they tell mewho they are and what this is about?. I am recently widowed and was hospitalized in XX/XX/XXXX-XX/XX/XXXX a number of time and deemed XXXX on XXXX. 
This evening he called with this number XXXX and left a message threatening me with a lawyer. 
I read your information and it states his suppose to mail me documentation after the initial contact. Which was a XXXX ago and I have not received. I do n't even know the name of the company or who the caller is.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a judgement on my trans union and XXXX account and I have stayed with my parents since XX/XX/2010.

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 2016-08-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
I just want to know if the this debt collection agency is legitimate, which is does not seem like it is through doing some research on the web. The company is called API and they are attempting to collect a debt from a Payday Loan I took out. They had correct information regarding the loan and the representative also had the last four digits of my social security number. But he told me that they were going to submit a judgement against me and go to my place of work and or home to serve me and in addition garnish my wages. He sounded so legitimate, but I 'm having my doubts since he was supposed to email me information which I never received and now doing my own research it seems the company does n't exist and I 've been scammed. From what I 've seen on the web, this company has been scamming individuals out of money. Can someone please contact me as I did give this person my debit card number.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am furious of the way US Bank has handle my XXXX of credit. I was asked to provide prove from US Bank offering a settlement. I provided a letter stating US Bank was willing to settle with me if I pay them {$19000.00}. After I when to a US Bank branch and deposit the {$19000.00} US Bank is denying me my settlement documents. Agent XXXX disclose to me there is no record of the document I presented. This is a huge problem because I deposit US Bank the amount they were requesting to settle. This is prove US Bank is practicing fraudulent and deceptive practices in order to deny me any assistance. Please help me US Bank does not wan to help me. I have explain numerous times I do not have any funds available, the money I gave US Bank was from a severance packet my husband receive from a work injury. Since then he has not work I am the only source of income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: DRB-40, LLC
State: HI

Complaint narrative:
I contacted DIVERSIFIED RECOVERY today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / XXXX, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.

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 2016-09-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Hi I received a call from " Law office of Scott Carruthers '' today. First a girl spoke with us and said we owed a few thousands on a bank account that had negative balance almost a decade ago. And that we need to pay this amount. 
When we asked her if her office was a debt collection agency, she said NO. She said they were a law office. Which seems like it was a false statement. 
When we disputed this amount since we do n't see it on our credit report, she started getting irritated and handed it over to her " supervisor ''. The supervisor seemed irritated right away. So we asked him to mail us a letter with all the details of this account, amount, etc. on their letter-head. He refused saying he did not want to spend 42 cents mailing a letter. And he in turn asked us for a fax number where he could fax us a letter. We do n't have a fax. So I persisted with request him to mail the letter. Called my work multiple times, after I told them not to call my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ref : Ditech Financial LLC - Acct XXXX We received billing statements ( Attached ) for XXXX supplemental taxes from The XXXX County Tax Assessor Collector and XXXX County Municipal Utility District in XXXX, 1st Time to Receive these Statements, for our property at XXXX, TX XXXX. After receiving these billing statements, we paid these supplemental taxes promptly. Unfortunately, Ditech Financial ( Ditech ), our mortgage company, also paid these supplemental taxes in XXXX without any communication or contact with us. Now there are overpayments on our accounts with these two taxing authorities. We do not have an escrow agreement or account with Ditech. All of our property tax payments, required insurance coverage/payments, and mortgage payments have been made on time since we purchased this property. 

After contacting Ditech on XXXX, we were informed that we would need to reimburse these overpayments to Ditech and they were forcing us to maintain an escrow account with Ditech. From our own research, we have determined that one of the overpayments to one of the taxing authorities will be reimbursed to us and therefore we reimbursed Ditech for one of its overpayments for these XXXX supplemental taxes. However, the other taxing authority has stated that Ditech will have to apply for a refund of its XXXX supplemental tax overpayment ( Attached Documentation ). We have submitted the refund payment we received to Ditech along with a letter, attached, explaining the payment and the need for Ditech to apply for the refund of Ditech 's overpayment. In addition, we have explained in the letter that all property tax payments and insurance coverage/payments will be maintained by us with no escrow account. 

Ditech is forcing us to pay for an unauthorized overpayment they made to a taxing authority and forcing us to pay into an escrow account that we have not agreed. Can you help us stop Ditech from forcing us to make these unauthorized tax and escrow payments?

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