vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
My home that I have owned for 18 years is scheduled to be sold at foreclosure on XXXX XXXX. Even though I have an FHA loan and sufficient fixed income, my mortgage servicer Nationstar is refusing to give me any options or agree to work with me to resolve this matter. They bombard me with collection calls telling me I have to pay them, and believe me I have tried to resume making payments to them. But when I go into their system it will not allow me to make a payment unless I reinstate the full past due balance ( a little over {$5000.00} ). I am not able to do that at this time. I find it hard to believe that there are no programs or options available for me. I have a reliable fixed income ( XXXX ) and this is a government insured loan. I believe that Nationstar is denying access to programs that should be made available to them because they prefer to auction this home instead of working with me. This is heartbreaking and wrong and I need someone to hold them accountable. 

I ran into financial difficulty a few years ago and went through the modification process with Nationstar and was approved for help through the government program. This plan actually RAISED my monthly payment, but I still faithfully made the payment each month. Things took a turn for the worse in XXXX XXXX when I XXXX. A couple of months later I was fired from my job because I had difficulty performing the duties. I hung on as long as I could and applied for XXXX benefits, but it took a long time to get approved for this. By XXXX of XXXX I was out of money and began defaulting on the mortgage payment. I immediately contacted Nationstar to try and work this situation out and began going through the process of applying for help. I was told that they were willing to help, and since I had gone through such a XXXX event ( XXXX and job loss and decrease in income ) that Nationstar would DEFINITELY work with me. Unfortunately that was not true. I went through the process and was told that since I had received help in XXXX that I could not receive help again. I tried to question this information after talking to HUD and tried to start the process again but was blocked by Nationstar. 

I do not believe that is the FHA rule for modification or restructuring assistance and do n't believe that Nationstar should be blocking me from reapplying to get a review based on my current income. 
I want to fix this problem, I want to save my house, which provides shelter for me and my husband and our daughter. I do n't understand why Nationstar is providing no options. I receive a steady XXXX check monthly and will be receiving it for the rest of my life so if they would work with me this problem will be put to bed and they will receive all of their money. Instead, I feel that Nationstar is violating the federal and state guidelines pertaining to FHA loans and moving to auction off my home. I do not want to stand idly by and let this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Yesterday, XXXX XXXX, XXXX, I received a prescreened loan letter from OneMain informing me that I was prescreened for a {$6000.00} loan and that all I needed to do is to respond. Last night I responded at the website address listed on the prescreen letter, that is, OneMainFinancial.com/applynow, and filled out the application. This morning I received a phone call from a representative from the local OneMain branch, phone number XXXX. I answered all of the question including whether I had ever filed for bankruptcy. The gentleman than informed me that my full credit report was required to be pulled and that it was not a big deal because my credit report has been already accessed. The gentleman insisted that I was not pre-qualified just because the letter says that I was prescreened. The gentleman than stated that I could not be pre-qualified unless my full credit report is accessed. I reiterated the fact that under the FCRA a prescreened offer must be a firm offer and that I should have already been deemed to have met the OneMain creditworthiness criteria. He then transferred me to the branch manager, XXXX XXXX, who informed me that my credit report was not accessed. I asked what information did OneMain require to pre-qualify me. XXXX XXXX failed to answer my question and informed me that I was denied credit based on my conversation with the representative. I hung up and then received a phone call from the district manager, XXXX XXXX or XXXX. The district manager informed me to call the local branch again and restart the application process. I contacted XXXX XXXX and she informed me thew district manager would be contacting me. I was not contacted by the district manager so I called the number in my caller id. The district manager was not available but the gentleman that answered the phone conveyed a message from the district manager to the effect that I was denied credit because I said that I had a bankruptcy in XX/XX/XXXX. This ordeal constitutes harassment because I was led to believe that I was prescreend thus pre-qualified for the {$6000.00} loan. I do not know at this point t if OneMain pulled my full credit report or who performed the prescreening with an unknown credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: Penn Credit Corporation
State: IL

Complaint narrative:
I had to drop XXXX of XXXX classes at XXXX due to the death of my grandpa ( whom I took care of ). The one I did n't drop was an online class. XXXX did charged me the full amt for the XXXX classes, which I disputed but ultimately paid. Apparently Penn Credit was provided the information to attempt to collect this debt for a commission while I was in dispute proceedings with the school automatically since the debt aged and automatically was provided. I paid XXXX directly the amount owed, and I porovided proof to Penn Credit a couple years ago. However Penn Credit is now attempting to charge me for {$70.00} worth of fees, and have not been able to provide any documentation or proof of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
Good day XXXX, I want to say that I am XXXX XXXX veteran XXXX female. I am not sure if you are the right agency to contact about my personal concern with how I was questioned by a financial institution when I requested and applied for an online loan. I applied for a small home improvement loan through I can not remember if it was through XXXX or XXXX. OneMain Financial online lending institution was one of the potentially interested online lenders of my application request. It was about XXXX XXXX, XXXX, the agency wrote to me through email asking me to call. I called and was asked a bunch of questions about my monthly incurred living expenses. If I remember correctly he took down the information and said that he would get back to me. I received a call one morning when I was asleep I answered the telephone and it was OneMain Financial calling waking me to ask more questions when I thought that I had answered everything on the first call. If I can remember it correctly I was still sleepy not really focused for the day ahead of me and he asked me out of the clear day if I ever filed a bankruptcy. I struggled to understand what and why he was asking I am also moderately hearing impaired. So I repeated what I thought he said however I asked if he asked me if I filed for bankruptcy in the last seven years. He repeated had I ever filed for bankruptcy I remember thinking can he ask me that? I thought I was protected if it was more than seven years ago and that I did not have to answer. I was perfectly willing to be told no OneMain Financial would not loan to me. He insisted as I said I was waking up and I did not want to respond but found myself responding yes. He asked when my bankruptcy was filed. I told him in XXXX XXXX. That was more than 20 years ago and I was frightened into it by the creditor XXXX threatening that they would send XXXX truck to my living place to pick up the money that I owed them. I was scared and I filed rather than be subjected to intimidation I had also recently received a telephone death threat and we were talking by phone. I received another call by a female who asked me similar questions as the first XXXX people and instantly told me I could not be approved. My concern is did this online financial institution OneMain Financial have a legitimate right to ask me about my credit 20 years ago when I had lost a job, and was near homeless. That XXXX XXXX on my birthday I was evicted and spent 10 years homeless. I was reminded of that period of time in my life it caused me emotional distress. I hope if you are not the right agency that you XXXX will point me hopefully in the right direction of who I should direct my concern to. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TN

Complaint narrative:
Upon deciding to have a medical procedure done, and only having Medicare as my primary insurance, I was lead to believe that if there was a co-pay there would be assistance available to me that would cover the co-pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Stewart Information Services
State: CO

Complaint narrative:
First of all I am a widow and XXXX. my daughter came to visit me in XXXX and suggested I come to XXXX to live with her in the winter due to my XXXX. I agreed. I packed up my things but first went to visit her. She showed me a new home she wanted to buy saying it would be closer to her job. The closing took place during my visit and to my surprize she produced a gifting letter and insisted that I sign it. Well i wasnt sure what it was but she insisted again that it was noyhing for me to worry about. Promised her taxman would help avoid taxes and she promised to pay it back. Are you getting where this is going? I signed it. I headed back to XXXX and before I even got off the plane here comes her text messages saying she didnt think it would work out. I said ok but I have to get my money back. Time went by. She did send me {$500.00} and that was it. I did contact the closing company and they were not so nice and said too bad its a done deal.She actually was personal friends with the closing man. It totals to my loss as {$11000.00}. Is there any recourse besides civil court I can take. It was all the money i had and now she has me blocked and no communication at all.I am devistated and broke. Isnt there some sort of elder abuse or misrepresentation orfinancial exploytation in this mess. I cant seem to get any help ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Genesis Credit Management, LLC
State: CA

Complaint narrative:
We moved out of apt was on month to month basis they charged us for not giving a thirty day notice.. We never received an itemized statement from the apt manager. Then started receiving very rude phone calls from collection agency and he called my place of employment being very rude to my co workers. Saying if i dont pay he was ginna attach my wages and he said he has a law suit pending against me which i have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Recovery Management
State: AZ

Complaint narrative:
This is a XXXX XXXX XXXX XXXX Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called XXXX XXXX when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Recovery Management
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response. Later after dealing with that XXXX had a major leak related to XXXX. I have attached documentation regarding this leak which includes contact information for XXXX XXXX if you would like to verify the identity theft with the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Concord Servicing Corporation
State: IL

Complaint narrative:
Hello In reviewing our credit report we noticed an old claim that does not match our records or memory. We had a time share installment loan which started in XX/XX/XXXX and was paid off in XX/XX/XXXX. There is a 30-day late payment on our credit report that is an error. This was supposed to be updated by the lender via a phone call in XX/XX/XXXX and has not been updated. We have been unable to get this updated with the lender.

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 2016-01-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
I was unable to make payments due to medical crisis in my family and on XXXX/XXXX/XXXX I made a payment arrangement with Spring Leaf to make {$50.00} one time payment and {$70.00} thereafter till I am able make the full monthly payment beginning XXXX XXXX. I have been paying as agreed but Spring Leaf is sending Sheriff to harass my family -- my husband recovering from XXXX and our daughter with XXXX challenge. When I called them to ask why, they said if I do n't want the Sheriff at my door, I should go to the Sheriff office to sign some papers! 
See attached fax cover of hardship request I made for the payment arrangement and my bank activity showing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
I have asked One Main Financial not to call my place of employment and yet they have on three separate occasions. The most recent was on XXXX/XXXX/2016 when my coworker again informed them that I could not receive calls at work. It is embarrassing and allows other people to know my personal business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sortis Financial, Inc.
State: LA

Complaint narrative:
ClearSpring Loan Servicing of XXXX, Texas has been calling me over a defaulted mortgage debt. They claim I owe them around XXXX. I asked to see in writing how did they come up with that amount and the collection representative told me that her legal advisor said it was illegal to provide me with such information. I 'm the consumer and it 's illegal to provide me with information about my loan???? That does n't make any sense. All they were willing to provide was a copy of the original mortgage contract that I signed years ago. The contract does n't advise me of the amount that is still owed after a few years of payments. I also believe the statue of limitations is up. I need to see proof that I owe the amount that they are stating, how did they come up with that number? To me that 's like walking in a store and the cashier asking me to pay a certain amount without telling me how much something is. ClearSpring Loan Servicing should be able to prove I owe the amount they say I owe. If they are unable to provide proof, they need to stop calling me and remove the debt from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
FirstMerit recommended that I turn on overdraft allowances to my account so that I can overdraw and they will let me but charge a fee. I did opt in for this. In their Online Banking, it talks about what a great program this is for you and why you should use it. They are just scamming people into entering a program to steal our money basically. I made a few transactions with my debit card and there were plenty of funds in my account to cover them. I then waited a few days and then withdrew {$140.00} at an ATM, knowing that I was going to use the program and overdraw my account and be charged a {$35.00} fee. In my Online Banking then, everything posted just fine. Every transaction that had been done days before the ATM withdrawal were listed and a positive balance listed after. Finally, another day later the ATM transaction showed posted to a negative balance. The following day I was charged XXXX {$35.00} overdraft fees totaling {$240.00} in a negative balance on my account. This is absolute robbery and they refuse to refund my funds for no real reason at all other than having had XXXX fees waived in the beginning of the year already. Those fees were done in branch error and were refunded because it was their fault. So no courtesy waiver was ever given to me, which this is n't even a courtesy waiver! They can not charge XXXX overdraft fees for XXXX overdrawn transaction that was done days after any other transaction and after their cut-off processing times anyway. It 's ridiculous to think that banking regulations would allow such a robbery from the public. But even so, the ATM withdrawal was days after anything else so it should have caused the only {$35.00} overdraft fee. I 'm more than happy to pay this fee, as I did withdrawal these funds in excess of my account balance. But I did this because the bank told me what a great opportunity this program was to be able to do that now and then. I never would have signed up if I knew they were using such deceptive processes, as to turn a {$130.00} overdraft done by XXXX transaction days after anything else into a negative balance of {$380.00}. I followed their recommendation and now it 's going to take my entire paycheck nearly and I do n't know what I 'll do when it should 've been XXXX simple fee since it was done so long after anything else and only XXXX transaction overdrew.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC
State: CA

Complaint narrative:
I got a letter from American Coradius International LLC saying that I owe an account balance of {$400.00} from a XXXX, XXXX account. I have never held a XXXX, XXXX account and I have never owed money to them. I do not have any idea whose debt this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NorthStar Technologies
State: OK

Complaint narrative:
I received a call from XXXX a debt collection company stated I owed {$4900.00} to XXXX XXXX, to which I informed the debt collector I did not. I was not given FDCPA, no any disclosures, I asked them to not contact me again as I did not owe any debt to XXXX XXXX and also asked for validation of the debt. to which has yet to be provided, after asking them not to contact me again and to cease collections efforts on XXXX XXXX a debt collection letter was sent to me via mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation