vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, ARA, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX County tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, ARA, called her stepson and told him fraud charges were being filed against me in XXXX County. 
I called ARA again and asked that they not contact anyone else because they have by mailing address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
Mj Altman agency has been reporting a medical debt on the credit report for years. There is an incorrect date of delinquency, and they have NEVER provided validation of the debt. This has been disputed multiple times- at least annually. The company continues to repollute the credit report and change the date of delinquency to extend credit bureau reporting in violation of FCRA. Several years ago, I received a bill that was past due for some kind of XXXX. I called the doctor office as I had never been there for service, and they said they believed the bill might belong to my father, as he has the same name. Again, makes no sense as he has XXXX, and I had an XXXX at the time that paid 100 % of XXXX fees. In either case, there would have been no balance due. Then shortly thereafter the account appeared on my credit bureau. I disputed the account, and the creditor provided no verification. This is impeding my ability to obtain a mortgage, damaging my credit and violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
They continually call for me at work which I have twice called and left messages stating I am not allowed personal calls at work but have continued to receive them from the same XXXX XXXX I leave the message with. The only information I have been given is the name of the company which is Midwest service bureau. She calls and leaves messages at work for me but never has she left a message on my personal cell stating who she is or what she wants in addition to her only calling me from a blocked number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: MO

Complaint narrative:
I received a phone call from a blocked number that left a message for me to call XXXX regarding legal action against me. The company name is ARA? This is after they called my job on several extensions trying to reach me and told people that I was trying to open an account with them. After finally reaching someone, they proceeded to tell me that they in the middle of filing charges against me ( for what ). They stated my name and employer correctly but the rest of my information wrong. The young lady that answered transferred me to a supervisor that threatened that they would continue to contact my employer. Does anyone on this end have any information about this and what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
ARA keeps calling me 2 to 3 times a day. They said they are an acquisition firm. I do not owe any debt. One of their numbers is XXXX out of the state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: EZCORP, INC.
State: KS

Complaint narrative:
I set up a date with the collector from ez money payday loans to pay a settlement amount he couldnt do it the same day because they were still trying to collect it from my account the collector called me a day early, then called me the next day. I tried to pay it and he decided to raise the amount by {$50.00} then refused to take anything less which I could n't pay. Now they are calling me at least XXXX a day on the same number which I have told them several times is inconvient to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC

Complaint narrative:
My mother died in XXXX of last year XXXX. She had a reverse mortgage and I am executor of the estate. The agent who had her sign the original reverse mortgage contratc was informed that she had XXXX, but went ahead with initiating the loan regardless of her obvious inability to understand the ramifications. This agent worked for XXXX Mortgage company. More recently, generation sold the mortgage to Champion Mortgage Company, but in the document of transfer, regeistered at the clerk of courts, they listed a legal description of a completely different property thousands of miles away with no connection to my mother.. I pointed this out shortly after her death, and the mortgage company filed a new transfer document in XXXX. I question whether the original contract is valid since it was not executed in good faith with someone who knew what they we signing. I also wonder if the transfer of the mortgage is legal with this botched legal description and the transfer only truly being processed long after my mother had passed. lastly, i have been trying to work with Champion Mortgage to obtain a 95 % of Fair Market Value payoff amount so that the family cal possibly buy the property back out of foreclosure. They have lost document repeatedly, not communicated in a professional manner and even scheduled a foreclosure sale date of XXXX XXXX without any notification. I discovered that a sale date had been set when I called to check on the status of the account today. Today I was told that I have to hire a lawyer or real estate agent and get them to process a preliminary HUD statement, a sales contract etc., before Champion will postpone the foreclosure sale or initiate an appraisal to determine fair market value. The house is in an area with a severely depressed real estate market and the house is not in good shape. It is worth perhaps half of the loan balance at this point. i am happy to work in good faith with Campion, but these issues should be addressed, and I would like to know what laws pertain to this type of issue. Specifically, do i not have the right to represent myself in this process? If all we want to do is pay off 95 % of the FMV as required by law, why must I beg for an appraisal. i paid for XXXX appraisal out of pocket and sent them the results ... of course, this was not acceptable, yet since XXXX, i have been trying to get them to provide me with their estimate of 95 % of XXXX so we can close the estate. now they are trying to sneak through foreclosure without notification and placing beurocratic barriers to obtaining an appraisal for a 95 % payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
This is with regard to the XXXX of TRID and a Closing Disclosure done in gross error by Quicken loans. Our son ended up signing a closing disclosure ( CD ) under duress to close his purchase on time. I have been 24 years in XXXX. My son bought a home in XXXX in XXXX XXXX Ca. He went to Quicken Loans. I told him to get used to the terms LE ( Loan Estimate ) and CD ( Closing Disclosure ). I was my sons main contact and authorized representative on his loan. I was forth right and asked almost daily about my son 's CD and about it being correct. I have all of the emails to Quicken. We gifted my son the down payment. With this the loan coordinator at Quicken called me on XXXX/XXXX/15 that I needed to get the remainder of gift funds into title or our son would not get his loan docs. I kept saying I had NO idea how much to take in since I had not seen anything. I was finally sent an email that we needed to deposit the amount of {$29000.00} so I ran the day before XXXX to the bank and wired the funds. Quicken confirmed he had the funds on XXXX/XXXX/15 at XXXX PST ( please see email below ). I like how he wrote I will not make any promises the numbers will not change. 
I have received the wire receipt. Most likely these numbers will not change, but I do n't want to make a promise that could change. I do not expect any changes, but I do n't want to set you up for failure. 
Thanks, I was all over Quicken for the CD. They kept telling me it would be coming. On XXXX XXXX my son called me in a panic. He said " MOM, I do not have {$32000.00} to bring into closing. I called the closer who was very rude and abrupt. You will be able to pull the call. He told my son and I he had NO proof or documentation that the gift funds of {$29000.00} were received. I told him no way and that this was the only way it could go to docs per emailed for the Quicken loan coordinator. My son signed the CD under duress since he would not meet his close of escrow date if not. 
Thank goodness we had an amazing title officer who sent me the buyers closing statement to our son showing him what was really needed to be brought in to close and what was true and correct. 
This is why you the CFPB put TRID into effect. Please look into Quickens unfair lending practices and the fact they are not following TRID nor do they care for the small consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
I do n't know how many times I have to explain this. I entered into a repayment schedule with GC Services back in XXXX XXXX. I was told that I needed to pay {$250.00} per month for 12 months in order to get out of default. I did that. It was at month 8 that I was told that I no longer needed to make any payments. When I inquired about stopping early I was told that I had fulfilled my requirement and no longer had to pay. I was told that I should be receiving my new contract in XXXX weeks. I did n't receive anything. XX/XX/XXXX I knew this was n't right and I continued the payments on my own, after several conversations with GC services telling me that the contract was on the way. 
Sometime in XX/XX/XXXX I get a call from GC Services telling me that I owed more money on top of what I had been paying. I asked for the amount, they gave it to me. I asked how they arrived at this amount. There was no explanation, I was told to just pay it. Since this was an addition to the contract I had signed, I asked for another contract. I was told that I was n't going to get one. I just needed to pay. I told them that I would not give any more money until I received an updated contact. 
Then the garnishment began. When I had questions I was told that there was nothing that I could do and that I would be garnished and that if I wanted to get out of garnishment that I would have to pay an additional fee on top of what was being taken out of my pay. When I asked where the money went that I had been paying. I was told that there was no such money ever paid. I got the cancelled checks. 
In the last 7 years I have paid well in excess of XXXX! What the loan was worth. The Ombudsman is a joke. I have tried many times to get back into the program and work with GC services. It is always the same we want your money first and then we will send you the contract. There is nowhere else in this economy that you are required to pay up front in order to get a contact. Criminals have more due process than a person trying to pay off their students loans. I and many others have been left without due process. 
I have told this story many times. The only reason why you are getting it again is because I have received an e-mail from your organization. 
If they really want to garnish people they should garnish both interest and principal so that people could have the loan paid off in 7 years, instead of offering people up as sacrifices for the dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
I have XXXX XXXX as my cell phone provider. They have confirmed I have paid my account in full, timely, and they have never attempted collection or held a debt against me. For some reason, XXXX credit report services ( XXXX XXXX have a " Trident Asset Management, LLC '' as a debt collector for " XXXX, '' claiming I owe {$42.00} for " utilities, '' as an open " Collection Account. '' I attach the applicable information if this site permits it, if not I can be contacted at the provided email address and provide all documents. XXXX My phone number will not be answered, as Trident 's efforts prevent answering numbers I do not know and I silence my phone during the hours they were legally not permitted, but have, called me repeatedly XXXX. XXXX XXXX suggested this could be from their home services, but I 've never had XXXX home services, as they also confirmed. When I moved in XXXX 2014 I inquired about services but was told they use dish and my building was too old XXXX historical ) to use such intrusive installation. I informed XXXX I was not interested in their services and received no services, installation, or products whatsoever. I was not informed talking to a representative cost money, it was a XXXX number so I had no reason to think so, so I contest {$42.00} if it was incurred simply by using their potential customer inquiry phone system. As this debt does not exist, I would like to utilize my rights under the FDCPA against Trident and demand XXXX proof of debt purchase/ownership from " XXXX '' and proof of an actual debt. I demand, upon investigation proving my version of events, that my credit reports be fixed to eliminate Trident 's incompetent report pursuant the Fair Credit Reporting Act. I also utilize my rights under the FDCPA for the illegal calling, harassing, and threatening voicemails associated with collection of a non-existent debt. I request XXXX be notified of Trident 's actions, as their system does not indicate any debt and I never received any notification from them on this issue. All I can assume is Trident confused me with another consumer or is fraudulently trying to collect debts they never legally purchased from the entity they claim. I give consent for any measures necessary for the FTC and CFPB to investigate this intricately. I will pursue legal actions myself if necessary, but unlike Trident, do not see the point in threatening a lawsuit over XXXX- far less the filing fee amount in any court - when this fraudulent report or scam can be resolved by the departments competent in enforcing such matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I am just at my wits end. I am being threatened with a suit by some huge Law Firm called Mandarich Law Group , LLP for a debt I have no knowledge of. I am a victim of Identity theft and I have lived at my current resident for several years and I have never received a notice from this law firm until now. 

In addition, they ( Mandarich Law Group ) claim they are collecting for their client who is XXXX XXXX XXXX whom I have never been contacted by, however they are a collection agency. The collection agency according to my credits says they are collecting for XXXX? 

Is this legal can I in fact be sued for something I know nothing about? I was never contacted by XXXX who is suppose to be the original creditor, nor have I been contacted by XXXX , XXXX who is suppose to be the collection agency collecting on behalf of the original creditor. 
I was only contacted by the law firm with a DEMAND letter dated XXXX XXXX, 2015 that I received on XXXX XXXX which they said in the letter I have 10 days to respond when I received the letter 10 days from the date of the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ReliaMax Holding Company
State: IN

Complaint narrative:
The school gave my son XXXX degrees after extending his classes for an extra year and extra charges for classes. It took him so long he was unable to use his computer degrees for a job because his classes were out dated. They were loans and he was only able to get a job at except at XXXX for minimum wage and part time. They have called our home phone and he does not live here, which I told them. They called my daughter who has a different last name and my son-in-laws cell phone. They call us daily several times using different numbers. No one gave them any information. I 'm tired of this harassment. Please help us. The numbers are : XXXX or XXXX

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 2015-10-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Eltman Law, P.C.
State: FL

Complaint narrative:
My bank account is frozen and I was never notified of a court datefrom the debt collection company or from the bank and they are refusing to send me any copied of the paperwork from either company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
A company called XXXX XXXX keeps calling " No Caller ID '' but once left a number of XXXX, the cuss at me and per the voicemail states " This XXXX is over '' and keep using false names such as a sheriff, a detective and the same lady keeps calling changing her name. The first time she used XXXX XXXX. She keeps stating she is picking up for warrants and I have no warrants. She states she will be at my house within the hour and they do n't show. Her scare tactics are very uncomfortable that she is acting as a legal community servant. I am contacting a lawyer to try and stop the harassment. They have also called my job which I am not sure how they got the number and release information about this matter to coworkers about my financial debt. They have not mailed me anything or emailed me documentation but still call every other day harassing me as well as my mothers cell phone.

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 2016-11-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
1 ) Obtained Ford auto loan - both of us with XXXX credit scores, made XXXX payments on time. 40 years of sterling credit/NOT XXXX LATE PAYMENT. 
2 ) My husband signed up for paperless, payments were made monthly online and on time. 
3 ) My husband died and I continued to use his log in and made the payments, in addition to notifying Ford Credit of my contact information and his death. 
4 ) I made the final payment on time, with a typo ( they are claiming ) for exactly {$100.00} less than the required final payment. I did not realize it was deficient until my credit score plunged by XXXX points. I immediately paid the {$100.00}. 
5 ) No notification to me ( even though they had my email and home addresses along with my cellular ) that the partial payment was " late '' as the account had been placed in the " death committee '' and I could not obtain information regarding the late payment. This was even after submitting his death certificate along with my appointment by the Court as his personal representative and my passport information. 
6 ) After hours on the telephone over a several day period to different departments, I finally convinced them that I was the person with the responsibility and right to information. They were going to send me proof of the 5 years of payments and my early submission of the final payment, even though it was deficient by an innocent error. I HAVE NEVER RECEIVED ANY INFORMATION FROM FORD CREDIT AFTER MY REQUEST ALMOST 2 MONTHS AGO. 
-Is the credit providing company required to send " late payment '' notification? 
-I know that Ford Credit will allow a " forgiveness '' to an unusual late payment for good credit. I could not get to them in time because they closed out the account during the time I was in the " death committee '' and before I could convince them that I had the right to work with them. They kept transferring me to the " committee '' that would not speak to me or give me any explanation.

Company response to consumer: Closed with non-monetary relief