vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Convergence Acquisitions, LLC
State: OH

Complaint narrative:
XX/XX/2018 I decided to get on the XXXX county clerk of courts website to check on a landlord i wanted to rent from after I checked there file i decided to check my information and I found XXXX XXXX, XXXX suing me in the amount of {$1100.00}. 
Case Number XXXX .I fell this company violated my rights they never once contacted me one time about this so called Bill i owe. I don't know who XXXX  XXXX, XXXX is. And to make matters worse i acknowledged they sent the summons to my old address on purpose to get a default judgement against me. I can't get any information about this case a court date who and what this case is about. I did send them a quick letter that I didn't really have enough time to make sure the letter was written correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Today, XX/XX/2018, I tried to enable an external application called XXXX. When I tried it did not allow me and a message said that Capital One was " blocking youfrom enabling external applications '' and to " file a complaint with the CFPB '' to alert Capital One of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: GA

Complaint narrative:
In XX/XX/XXXX I took out a spousal consolidation loan. The original balance was {$50000.00} with monthly payments of {$220.00}. The loan was a graduated loan that went from {$220.00} to {$900.00} and I was unable to pay the loan as I and my wife were working for XXXX. 


The loan went into default and the balance was accelerated from {$50000.00} to {$160000.00}. The current balance includes {$48000.00} in unpaid interest and over {$60000.00} in fees. 


My wife and I divorced in XXXX but the spousal consolidation can not be divided. My original student loan debt was {$17000.00} and my ex-wife balance was {$23000.00}. 


The terms of the spousal consolidation loan were not clear. The fees charged are usurious in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
Incorrect information was found on my consumer report. I then sent a 1692g request to American Credit Acceptance. The company received the request on XX/XX/2018, at XXXX XXXX. The company failed to reply to the 1692g request and continues to report inaccurate information to the consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
My mortgage was purchased by Arvest Central Mortgage Company, after purchasing my loan they ordered gap flood insurance on my behalf at a significant annual cost to me. The company never reached out about this situation. 

My flood insurance is paid for by my HOA and is an NFIP flood policy for 100 % of replacement cost. 

I have called 3+ times about this issue and each time they have told me that it is the companies practice to require flood insurance at the minimum of $ XXXX or the loan amount. 

Per the FDIC An institution must ensure that the minimum amount of flood insurance covering the condominium unit is the lesser of : the maximum amount of insurance available under the NFIP which is the lesser of o the maximum limit available for the residential condominium unit, or o the insurable value allocated to the residential condominium unit which is the replacement cost value of the condominium building divided by the number of units. 

I am lucky to have a background that has exposed me to mortgage requirements but it is scary that no one at this company can refer to national lending requirements. 

Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
this is a direct dispute through this web site the amount and account I do not owe, I have my policy and I have my bank statements only notice I will give for you to validate this account, and amount you claim I owe if you tradeline shows up on my credit report, I will file suit in XXXX county,  making validate account and provide my proof you can bring what ever. 

Under FCRA I can sue for a {$1000.00} per report if information is not validated or accurate. 

thanks for your time

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In complaint # XXXX, which was closed on XX/XX/2018, Shellpoint Mortgage Servicing indicated that my issue had been resolved. The payment of {$2800.00} that was paid from my escrow to XXXX XXXX XXXX was never returned for insufficient funds, as previously stated in my complaint. After 'resolving ' the issue, I had received a rescission of cancellation, though, and, as such, thought this matter had been resolved. 
Today ( XX/XX/2018 ), I received a cancellation for nonpayment in the amount of {$2800.00} issued from my escrow by Shellpoint Mortgage Servicing to XXXX XXXX. I immediately called XXXX XXXX and spoke to XXXX XXXX in customer service who advised me that the check received on my behalf was returned due to insufficient funds. 
I have a new cancellation date effective XX/XX/2018 if payment is not received in the amount of {$2800.00}. I was advised by XXXX that they do not want no check from Shellpoint at this time only a cashier check.

Again, it has been my experience that Shellpoint Mortgage collects money and misappropriates the funds that have been paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
Repeated phone calls, harassing and threatening language. They call from multiple numbers after I tell them not to call anymore and they call before XXXX and after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Dear Sirs : My mortgage loan with XXXX XXXX was transferred to SLS ( Specialized Loan Servicing LLC ) on XX/XX/XXXX without my knowledge or authorization. I was paying XXXX XXXX {$1500.00} for years and never was behind on my escrow payments. My payment included {$240.00} towards my escrow every month and as I said, it always covered my yearly taxes and insurance, which have not changed at all in many years! Now, SLS is counting {$200.00} only towards the escrow at the same time as raising my mortgage payment by {$36.00} for a total payment of {$1500.00}. They are using the excuse that they are collecting for XXXX! I verified with a mortgage banker at XXXX XXXX and she also said what they are doing is illegal. I want my payments to go back to {$1500.00}. 32 with the escrow at {$240.00} ... If you look at it, by SLS not including {$32.00}. of my payment towards escrow and raising my payment by {$36.00}, they are illegally collecting a total of {$68.00} for their benefit!! 
I do not trust them and certainly do not want to do business with them and unfortunately do not have any income at this time so I can't get a refinance with anyone else!

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 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In recent days, a collection agency named Portfolio Recovery has reported a collection account on my credit report. The Fair Debt Collection Practices Act states that a collection agency is required to provide me with a 30 day notice prior to reporting a debt on my credit file. The collection agency did not follow this protocol, and just reported the debt without contacting me, nor giving me an opportunity to answer for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We ( XXXX XXXX XXXX, XXXX ) purchased a XXXX XXXX XXXX XXXX and financed the loan through XXXX XXXX which is a finance company. After our loan was in progress, the company renamed to : XXXX ( XXXX  ) XXXX XXXX   XXXX XXXX XXXX IL XXXX The account number was : XXXX XXXX It was a 5-year loan beginning in XX/XX/XXXX and paid off in XX/XX/XXXX The problem is we never received a lien release from the company after the loan was paid off. I XXXX  them to see if I could find a phone number to ask for the lien release myself but it looks like the company went bankrupt. 

We are going out of business and need to sell this trailer. We can not sell it without the lien release. We sure could use your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have sent Midland funding a total of 5 letters demanding they show proof this is my account or it needs to be removed. They have ignored me and continue to hinder my credit. I never received anything mentioning I owed a debt, it just popped up on my credit when I was applying for a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
For the past 6 months, XXXX XXXX has IGNORED all of my validation of debt letters sent to them, and have NOT sent me any of the specific documents that I have requested each time to be sent to me. They are reporting false information to the credit bureaus, stating that the account information is accurate, even though they have not sent me any of the specific documents that I have requested in all of my letters under my FDCPA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have dispute this account and they have not provided proof that I owe said amount or contract from there client show I agreed to pay said amount with my signature, but they have report to my credit report as a finial and only notice they will receive : if they don't provide a written contract with my signature I don't consent for them to get my medical report for that doesn't validate a debt nor does a itemized statement the contract should comply with Oklahoma truth in lending laws which requires a signature on a contract amount disclosed for services finance charges if any amount due. 

I do intent to file in Oklahoma court and sue for {$1000.00} per report that its been place on credit repoert

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged associated fees by my rental company due to Chase not clearing my check. The check I wrote on XX/XX/XXXX was good at the time as there wasn't any suspicious activity in my checking account. When the rental company tried to clear the check on XX/XX/XXXX ( I reported wiring fraud on my checking account in between XX/XX/XXXX - XX/XX/XXXX ) it didn't go through as the account was already frozen. I read the rental agreement and it states that checks that is returned for ANY reason ( doesn't account for criminal activity ) the renter is responsible for it. I have brought this up to Chase and they said they can only rescind fees that they charge against me. Chase hasn't been able to secure my account ( there are still multiple open wiring fraud investigation in my account and I can't clear my own money because of it ) and still thinks that I am the one who is responsible for this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day. 

During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly. 

I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered.

I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit. 

I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain.

The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid. 

I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am not sure if this rises to the status of a " complaint '' or not, but after I purchased my current home with a conventional mortgage from my local credit union ( XXXX XXXX XXXX XXXX in XXXX, XXXX ) in XX/XX/2012, my loan was then sold three times in the first year until it reached XXXX XXXX in XXXX XXXX . It has been there ever since. But when I tried to make payments every two weeks in order to reduce my total interest payments and shorten the duration of the mortgage ( a common financial strategy ), Regions would not credit any additional payments after the first one was made. Instead, Regions just " holds '' the money paid in any second payment that month in what it calls a " suspense account '' that only credits the money to my account when my next monthly payment is due. In essence, they prevent their customers from making more than one payment per month unless the second payment is at least as large as the total monthly payment. When I phoned their customer service department, I was told that this is their policy for all mortgages and there is nothing I can do about it. 

I realize this might be legal for them to do, EXCEPT that the terms of my original loan with XXXX did not contain any such limitation. My understanding is that loans can be sold as long as the original terms of the mortgage are still upheld ( interest rate, monthly payment amount, etc. ). So if my original mortgage holder allowed more than one payment per month and immediately credited my payments, shouldn't the same be true of any subsequent mortgage company that my loan is sold to? Thank you.

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 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A letter was sent to me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating the decedent my wife XXXX XXXX purchased goods and/or service in the amount of {$670.00} evidenced by account number ending in XXXX and sent that I'm the beneficiary, I'm responsible for this bill. i have sent a copy of the beneficiary. that didn't work. my name is not on any credit card statement and i didn't sing any thing when she open that credit card account back in XXXX or XX/XX/XXXX. When i talked to one of the representative in XX/XX/XXXX i told them i might could pay it but i didn't seek didn't legal advice at that time because i didn't understand my legal right on decease spouse at that time, and now they put it on my credit report witch it shouldn't be. i never had any dealing that company. if I'm the estate all her funs went toward her funeral and to her kids i just made sure that she had a enough money for her burial, and plot. I'm a veteran of the XXXX XXXX and if i have to get a probate lawyer i will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tate and Kirlin Assoc
State: RI

Complaint narrative:
I was working with a financial advocate to clean up my credit report and get my debts cleared and in doing so we disputed some things on my credit report to make sure things were accurate. A payday loan that I took while I was in the military service from a company called XXXX XXXX is the problem. I initially took the loan for {$3000.00} dollars on XX/XX/2013. I paid this loan until I was XXXX from the military on XX/XX/2013. I brought this balance down to {$1600.00} dollars over this course of time with {$120.00} payments every month via an alotment on my paycheck. After I was XXXX from the military I lost everything and I went through a period of XXXX. Working with the advocate, after we disputed and checked the accuracy of the debt and it was reported completely accurate at {$1600.00} dollars by all three credit bureaus. Within 60-90 days of getting the reports that it was accurate, the creditor sold my debt to another party and increased the debt to {$4100.00}. This is a violation of the fair credit reporting act and the fair debt collection practices act and therefore, I want the amount to reflect accurately and I want to stop this company from doing this to veterans like me. I need help bringing a suit under the fair debt collection practices act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I got notice to vacate the house I was renting because the owner was selling. I had 30 days to find a place and move. I didn't have the money for a security deposit or for moving. I was scared to death. I decided to take out a small loan so that I would not wind up homeless. I got an email from MitigCapital offering me a loan. I called them in tears and explained my situation. They offered me {$970.00}. They did not tell me that I would be paying it back @ {$290.00} every other week for 18 payments. That the interest was 643.71 % or that I would be paying {$4300.00} in finance charges. I would NEVER EVER have agreed to this. I signed the loan documents without first taking the time to read the fine print. That was my mistake I know. I am XXXX years old, single, in poor health and can not see to read without my glasses And I could not find my glasses and did not want to tell them to wait in case they changed their mind. I called today because they had taken out a payment 2 weeks ago and today another. That's when I found out they would be taking {$290.00} from my account every payday for18 payments. I can not possibly pay this. It will leave me with no money for food, rent etc. I live on a shoestring as it is. I explained this to the woman and she said " you should have read the loan documents. You signed them and that's just the way it is ''. I don't know what to do now. I am considering quitting my job, closing my bank account and going homeless so they can't find me. I am terrified. Please help!

Company response to consumer: Closed with explanation