vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
My husband received treatment for a XXXX on XX/XX/XXXX. The hospitalist, XXXX XXXX XXXX ( also known as XXXX XXXX ) then billed us for the services because they do not take XXXX insurance. 

We called XXXX and said since this was an emergency, they should cover the cost of the hospitalist treatment. XXXX agreed. They sent us a check ( # XXXX ) made out to me in the amount of {$210.00} and told us to sign the check over to XXXX. We did so. 

Here 's where things got interesting. XXXX XXXX, unbeknownst to us, made a mistake and separately sent another {$210.00} check to XXXX. This caused a double payment. Rather than following up with XXXX, XXXX XXXX sent us a letter ( XXXX Inquiry Number : XXXX ) saying we owed them the {$210.00} back. They also started sending collections letters from XXXX XXXX, XXXX. The problem is that we had already signed the original check over to XXXX. 

I tried to resolve this situation by calling XXXX and asking them to refund XXXX XXXX. I talked to XXXX in the billing department at XXXX ( phone number XXXX ). XXXX said that they had indeed received a double payment and would refund XXXX XXXX one of the checks. 

XXXX mailed XXXX XXXX XXXX XXXX the refund around XX/XX/XXXX. However, after 30 days, XXXX XXXX was still sending collections letters. I called XXXX XXXX and talked to XXXX XXXX ( sp? ) who said she would look into this for me. 

XXXX called XXXX and asked her to stop payment on the original check and mail a second check. XXXX did so. She sent out a second check to XXXX XXXX XXXX XXXX around XX/XX/XXXX. 

Again, XXXX XXXX apparently was not showing that they received this second check 30 days later. In addition, XXXX XXXX officially sent us to the " real '' collections company, Receivable Management Services Corporation. 

This is ridiculous because XXXX XXXX made the mistake of double-paying in the first place! XXXX sent XXXX sets of checks to XXXX XXXX XXXX XXXX and they still have not credited the {$210.00} to my account. 

I am asking XXXX XXXX to take me out of the middle. I do n't have their {$210.00}. They need to assign the debt to XXXX XXXX and clear my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Schachter Portnoy, L.L.C.
State: NJ

Complaint narrative:
American anesthesiology of nj pc illegally provided my persona medical information to an entity claiming to be an attorney office, Schachter Portnoy, llc. When I got on the Phone to discuss a payment arrangement I found out that they 'd used a communication tactic and that I was actually speaking with a debt collector. The gentleman on the phone identified himself. I feel.violated by this and hence this complaint. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not.give permission to any of my current or prior medical providers to release any information to a third party. I am.aware that Hipaa does allow the release of limited information about me but anything more is only to be revealed with patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
I have sent a certified letter to the company in question to verify and gather other information per the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and they have stated to me that they are not required to provide any information that is required.

Company response to consumer: Closed
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
On XXXX/XXXX/15 at XXXX CT, XXXX XXXX XXXX left a XXXX second voicemail on my cell phone claiming a past due debt. The transcript of the voicemail is a follows : '' This message is for XXXX XXXX. If you are not XXXX XXXX, please hang-up or disconnect. If you are XXXX XXXX, please continue to listen to this message. There will be a three second pause in this message. By continuing to listen to this message, you acknowledge that you are XXXX XXXX. XXXX XXXX you should not allow anyone else to listen to this message because it contains personal and private information for you only. There will be a three second pause in this message. This is XXXX XXXX, a non-attorney collector at the law firm XXXX, XXXX. XXXX XXXX, this is an attempt to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX extension XXXX. " The collector did not state a past due amount or creditor. I have no past due amounts and am not delinquent on any payments. I understand that XXXX are in direct and deliberate violation of Federal and state consumer protection laws for failure to acknowledge any legitimate dispute and furnish documentation of the debt allegedly owed. I understand XXXX are in direct violation of Federal and state laws for intentionally misrepresenting jurisdiction of collection laws, for the sole purpose of attempting to disarm me of my consumer rights under Texas law. 

I would appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: MD

Complaint narrative:
I received an official looking letter in a XXXX envelope. It said that my FHA MIP premiums could be reduced effective XX/XX/2015. The following pages were government FHA docs which included the name of the Acting Assistant Secretary for Housing - XXXX ( XXXX XXXX ). I called the number and they were a mortgage lender. They said they were affiliated with the government. 
Fortunately I 've worked in the mortgage industry so I realized at this point that they were trying to get me to refinance my mortgage. They 're only affiliated with the government in the sense that they 're able to provide FHA loans. It 's completely misleading to the consumer who thinks he/she is receiving a reduction in mortgage premiums NOT a standard FHA refinance which could cost thousands and/or add years to they 're mortgages. The way the company ( XXXX XXXX XXXX based in NY ) presents themselves is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
We applied for a mortgage with USbank on XX/XX/XXXX. As of XX/XX/XXXX they had not approved the mortgage. We recieved a letter on XX/XX/XXXX stating " During the processing of your residential mortgage loan application, one or more elements have changed. '' The change was that they were going to charge us a fee of {$960.00} for a rate lock extension. We have done everything possible to expidite this loan, including providing litterly hundreds of documents. We had to take a short term bridge loan at a very high rate while wating for the mortgage approval. We withdrew our application yesterday. Our credit has been harmed, interest rates have increased and we are forced to begin the loan process anew. This has been a taxing experience and should not have happened.

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 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Consulting Services, Inc.
State: AZ

Complaint narrative:
I Have attached what I feel is more than enough documentation to substantiate my complaint. I have written Credit consulting Services and have not had a fair shake at receiving any validation from day one. We have asked for paperwork from phone call one. They dragged their feet on providing any information and to date, they have provided nothing. Credit Consulting Service made contact by telephone way before the validation period expired. Then soon after the period expired, they decided to mention that they could not provide the requested information due to their limitation to being restricted to collection activity within the state of California and reported this account as a collection to XXXX, XXXX, and XXXX. This has affected me financially in the purchase of the two vehicles loans we signed for in late 2016. The fact is very clear, If we requested the documents that would validate the collection to be sent to us in the first place, and they can not send them due to licensing restrictions to conduct business outside the borders of California, That alone is proof beyond any doubt that this debt was never verified or validated by any standards.My address and contact phone number, which has been the same for 15 plus years was listed with all three bureaus prior to their collection activity. They Knew that from the first phone call they made because I let them know at that very point. In my conversation with their representative, I was informed that even if I paid this under the guise of extortion, they would not remove the collection from any of the XXXX reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a 2nd mortgage with Nationstar Mortgage. My first was refinanced in 2014. I have been trying to refinance or modify this one for 2 years. Nationstar keeps telling me that the investor does n't participate in modifications and is n't willing to refinance. They refuse to help me or tell me who the investor is. Meanwhile, I have n't made a payment in 2 years and my credit is taking a hit every month. I 've been denied loans, credit, housing and jobs because of how this is showing up on my credit report. I 'd think the investor would like to get something rather than nothing. But, not one of the 4 people who have serviced my loan during this time has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Recovery Partners, LLC
State: FL

Complaint narrative:
A company called XXXX XXXX XXXX has been calling me non stop at all hours of the day and night attempting to collect on a debt from a motor vehicle accident in 2014. At the time of the accident I was XXXX years of age and insured. This company has threatened to illegally garnish my wages as well as be waiting at my house with the police to arrest me on multiple occasions. They have asked for my parents and grandparents names to attempt to collect this debt. The women who spoke to me asking for this information resorted to name calling and personal insults. This is been going on for almost 2 years now and it needs to stop! I have asked them multiple times to stop harassing me and remove my number and they just continue to do it more and more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
Hello, My home mortgage is managed by PHH Loans XXXX My mortgage owed each month is roughly {$920.00}. I pay {$470.00} every XXXX weeks. So I pay extra, and at the end of the year I 'm usually a month to 6 weeks ahead in payments. So in the long run of 30 years, I 'll save thousands in interest and a few years off the loan. However, the mortgage company does not process my payments correctly. Every few months, I will received a call saying that I am short on my payment. I 've even had foreclosure paperwork sent to me. I 've spoken to their representatives about correcting the mistakes. Because I should be 2-3 months ahead of my payments, and I 've put extra money toward principal. 

I am very concerned about how this company is managing my payments. They seem to adjust things randomly. They should at least know that I am not behind in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I XXXX, XXXX, my mortgage service company sent me a letter stating that I am eligible to recast my mortgage. I said yes, and sent the form back to them. They never responded again, so on XXXX XXXX, XXXX, I called them to check on the recast and they said it was still pending. I paid the new, higher, amount on XXXX XXXX, XXXX. Since that time I have called repeatedly and have been told by Nationstart my recast was pending, being reviewed, lost, resubmitted, denied, and now pending again. 
Could you please help me? My interest rate was adjusted XXXX/XXXX/XXXX, and without the recast, I am having real difficulty paying the extra money each month. I am concerned about losing my home, especially when the interest adjusts again XXXX XXXX, XXXX. The recast would enable me to be able to pay each month. 
They were kind enough to offer this to me, but have not done anything to help recast my mortgage. I have done everything they have asked and still nothing. One department told me the last week of XXXX they had halted recasting HAMP mortgages at that time, XXXX XXXX, XXXX. However, I applied for the recast when they offered it in XXXX, XXXX. 
My mortgage information is : Nationstar Mortgage, XXXX, TX My loan number : XXXX Thank you for any help you can offer me. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at post office and no response was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Sps has wrongfully taken my home. Naca was informed on XXXX XXXX that my property had no sale date. The sps rep advised this information directly to Naca via a phone call. Sps dropped the ball not advising to myself or Naca that the attorney handling foreclosure advised that the sale date could not be postponed due to timing. Please advise to me why the sale date for the XXXX was moved??? All of this happening why my file was being reviewed with sps as well as mailed notifications that the file was under review with no notification that sale date was not able to be modified sps has the ability to retract the sale that took place today XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
We have currently been in the process of a Deed in Lieu since XXXX of 2015. The last information we received was that the paper work was being drawn up. I was told this on XXXX XXXX. My loan POC is XXXX XXXX at ( XXXX ) XXXX. I have not been able to get in contact with him for two months to get an update. I have called several time and left several messages. This is has been an ongoing issue that seems to be an attempt to get me to give up on the pursuance of the Deed in Lieu. The last time I received an update and the status of my Died in Lieu was updated was after the CFPB intervened. I was informed that I needed special paperwork signed and notarized to move forward. This paperwork was submitted on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
In complaint # XXXX and others I proved what Select Portfolio and XXXX XXXX call a modification was actually a cash out refinance loan, and I was never given any RESPA documents showing where the funds were dispersed and never given a 3 day right of rescission as per required by Federal law. 
This cash out refinance was done on XXXX/XXXX/XXXX, which would be the day that my right to rescind would start. 
SPS has finally quit trying to deny paying off any other loans ( XXXX actually paid off my then first mortgage with XXXX Mortgage, without my knowledge or permission, but they are trying to claim that my right of rescission was effective from XXXX when I took out my original loan, which was with XXXX. 
How they can assert this is beyond me, because the cash out refinance of my XXXX loan was done on XXXX/XXXX/XXXX, not XXXX. 
I rescinded the loan in XXXX XXXX, which is well within the 3 year right of rescission that SPS admits exists. Therefore, I again demand that my loan be rescinded. I also demand that the CFPB take enforcement action against these RESPA violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
This is concerning fees charged by Champion Mortgage Reverse Mortgage Servicing Department. Champion sends monthly reverse mortgage statements showing detailed transactions. The monthly statement for the period, XXXX XXXX, XXXX, showed XXXX property inspection fees ( XXXX XXXX and XXXX XXXX ) of {$20.00} each. Upon review of previous monthly statement, I discovered {$20.00} property inspection fees were assessed each month from XXXX XXXX XXXX, XXXX. In sum, for six months, from XXXX XXXX XXXX, XXXX, Champion charged XXXX property inspection fees of {$20.00} each. Additional fees include a property appraisal fee of {$330.00} on XXXX XXXX, XXXX, and attorney fees/costs of {$290.00} on XXXX XXXX. XXXX. All of these charges were added to the loan balance each month. I called Champion Mortgage on XXXX XXXX, XXXX, to inquire about these charges and was told to submit a written request. A written request was mailed on XXXX XXXX, XXXX, with a follow-up request on XXXX XXXX, XXXX. Champion responded on XXXX XXXX, XXXX, stating, " A response will be provided no later than XXXX XXXX, XXXX. However, responses are generally provided in less than ten days from receipt of the correspondence. '' I have not received a response. 
For the record, this property has sold and settlement was XXXX XXXX, XXXX. Champion was notified and a copy of the listing agreement was mailed to them on XXXX XXXX, XXXX. A copy of the sales contract was mailed to Champion on XXXX XXXX, XXXX. This property is in a condo development with all brick exterior. I can assure you no one representing Champion entered the condo for the appraisal or the XXXX monthly inspections. It has been four months since I contacted Champion concerning fees assessed for property inspections, an appraisal, and attorney fees without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
In early XXXX, I submitted a complaint to CFPB regarding the refusal of Nationstar Mortgage to make a good-faith effort to modify my home equity mortgage, which carries an interest rate of 6.5 percent. Nationstar 's response is to stonewall and conduct a sham process apparently designed to give the CFPB the impression that the company is being responsive. In fact, just the opposite is the case. On XXXX XXXX, 2016, I received a form letter from Nationstar dated XXXX XXXX, 2016 asking me to submit the detailed application for a loan modification. Even though I had previously completed such an application months earlier, I completed the application again and mailed it in the postage-paid envelope that Nationstar provided. I 'm quite confident it arrived at Nationstar by the stated deadline of XXXX/XXXX/16. 
On Monday, XXXX/XXXX/16, I received another copy of the same letter and packet, this time stamped " Final Request. '' The letter was dated XXXX/XXXX/16, and stated the deadline to complete the application and have it received by Nationstar is XXXX/XXXX/16. In fact, the process is a sham to conceal Nationstar 's refusal to make a good faith effort to modify my mortgage and likely many, many others. I have attached copies of the XXXX letters and a copy of Nationstar 's acknowledgement of the previous CFPB complaint that I submitted. It appears that Nationstar has found it can mollify the CFPB with the appearance of responsiveness, but with no substance or truth behind the facade.

Company response to consumer: Closed with explanation