vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
My city made my property tax exempt, after deceasing the mortgage for over two years. Without notice the lender FlagStar Bsnk added taxes back to mortgage. No matter how many times I sent in proof of exemption they would not change it. They drove the mortgage up and would not take my payment without the taxes stating they were short payment. They tried to justify the increase by stating that the mill rate in my city went up, however it was unchanged that year. They put me in Forclosure and would not grant a modification. XXXX is now involved and they took title of the house. No one would address the tax issue or the double of the mortgage.

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 2016-01-09 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: I.C. System, Inc.
State: PA

Complaint narrative:
I manage my moms finances as she is XXXX and no longer able to handle. I pay her bills online. She had a bill due to XXXX XXXX ( an XXXX company ) for {$38.00}. I confirmed this amount in a phone call to XXXX on XXXX/XXXX/XXXX. I spoke with XXXX. This amount was paid electronically via my mothers online bank account and confirmed delivery to XXXX on XXXX/XXXX/XXXX. Today, XX/XX/XXXX, I received a letter from a collection agency IC SYSTEM saying I owe {$38.00} as of XXXX/XXXX/XXXX. I immediately called XXXX and according to their automated System the balance on the acct is {$0.00}. No one was available in billing because today is Sat. Since my mother 's bills come to me they have put my name in collection for no reason and damaging my credit rating which has been stellar to date ( XXXX ). 
I am getting harassed by this collection agency with many calls throughout the day leaving no messages. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal is holding my funds refusing to release and continues to not remove the hold time on my account even though multiple employees confirmed I was verified and shouldering have funds pending. This is punitive and without cause. I believe they are holding funds for the specific reason of doing night sweeps into interest bearing accounts to monetize the held fund from all their clients. I have now spent 2 months on tis issue and each time a payment is held I work with the service team to their to ensure I am verified and in good standing to not have a hold on my next payment. Once again they hold it. They are deceitful and dishonest. 

The best part of this whole situation is I just found out now each time i have called an requested the funds be released early, there staff is instructed to make a request. The request actually goes to the same department and know that they are unable to actually approve the request. This is done to stall the consumer to further help paypal fraudulently hold funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: NY

Complaint narrative:
There are XXXX main issues. 
1. The debt relates to a cable box that XXXX collected from me and replaced with a newer model, which they then lost. I called XXXX to report that they had collected the box, they said that they would attempt to find it, and then I received the collections letter without any further notice from XXXX. I do not owe this debt as I did not keep the box. 
2. When I try to call IC Systems, I repeatedly enter all information, am told to hold, and then the phone disconnects. There is just no way for me to get in touch. When I enter my information on their website, XXXX they tell me to call, and when I call, I inevitably get disconnected.

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 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: PA

Complaint narrative:
There is a company called IC Systems that keeps calling me on my cell phone everyday like 8 times a day. but if you answer it they just hang up. I googled their # and other people say its a Debt Collector. I have not received any mail from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: OR

Complaint narrative:
I received a letter in the mail from ARA inc . They told me that I owe them {$3300.00} for my XXXX Account. 

I do not recognize this debt to be mine. I contacted my local law enforcement agency who told me that this is most likely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: EZCORP, INC.
State: OR

Complaint narrative:
a company calling on behalf of EZmoney has called my grandma, grandpa, and myself and other family members over XXXX times telling my XXXX grandma unless she paid them money i was going to be arrested and charged with a felony and serve 5-7 years in prison this also was said multiple times to my grandpa at a seperate number also to me they read a license plate number from a car i had 15 years ago and threatened they were coming out right now to arrest me to both me and my grandparents i have signed affidavits from the two of them and me.

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 2015-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Ford Credit has not been sending monthly statement reflecting amounts due or due dates

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C.
State: NJ

Complaint narrative:
This collection agency continue to threaten me with wage garnishment about a debt I know nothing about. In the past I went to the court to get information about this debt. It was to a fitness club I never attended.. All court information was sent to an address where I did not lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
When I paid off my automobile lease charges were added that I was not told about either verbally or in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: OH

Complaint narrative:
I have been receiving harassing threatening phone calls from a company called XXXX phone number is XXXX. Telling me they are suing me on the behalf of a EZ Corp payday loan. That they are coming to my work and home and calling my boss and relatives. They have already called my husband twice. I told them I do not recall ever making a loan from ez corp. what can I do to stop this?

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 2016-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central Portfolio Control recovery services has been calling me nonstop about a debt owed to XXXX. I do n't have any written documentation about this debt, and I contacted XXXX, the original creditor, to resolve the issue. Customer Service told me they did n't have any record of my owing them, and they searched my email addresses, telephone numbers, and physical addresses. Then, they transferred me to Credit, and that employee told me I had to contact the collection agency, they had no information, they sold it to CPC. I told them if I owed XXXX, I wanted to deal with the original creditor, and pay them. I was told that XXXX had nothing to do with it, I needed to call CPC. I am tired of CPC calling my home, I am being harassed by CPC. XXXX is n't helping me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SECURITY FINANCIAL
State: UT

Complaint narrative:
My husband and were in the middle of a short sale when we received notice that our home was in auction, soon after we received another letter stating that we had to move out due to out home being sold. 
Horribly upset since the bank would not except ANY offers we had and a short sale VS forclosure is a little better but WHAT DO YA DO! 
No choice we moved. 
A while Later went to get a car only to find out that the forclosure is still showing open? 
= higher intrest. 
I have spoke to United security Financial several times who referred me XXXX, LLOOONNGGG story short ending up full circle every time! Right back to United Security, EVERY TIME! 
both my husband an I on different occasions have stopped by their rediclouse, god like, draped in gold, silver, crystals and $ $ $ facility, they said they would get it taken care of ... 
long while later went in to get another loan only to find out it is STILL showing open. 
Received that loan too but yet again keep getting a higher intrest rates.

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 2016-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: AZ

Complaint narrative:
I set up payment plan and yet they keep calling everyday. They had told me the calls would stop as long as I make reoccurring payments. So I called them back to find out why the are still calling me and turns out my payments is going to them and not the company I owe. I had to talk to XXXX different representatives and XXXX had told me XXXX so I asked to speak with the manager who proceeded to call me uneducated because they lied and did not explain very well to me where my payments are gong to. They were all very rude and unprofessional. The first guy I spoke with demanded my card information. The " manager '' literally had me crying with how rude he was. And all XXXX of them would talk over me and then yell at me if I tried talk. I had to call my bank and tell them to unauthorized the transactions since they would not do it. Ummm is that even legal?!?!?!. I do not trust them whatsoever. And to make matter worst when I called XXXX they told me they should not be taking that much money for themselves. Horrible company, how are they even in business?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25 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: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
I paid my past due account of XXXX directly to XXXX on XX/XX/2013 and have the bank statement to prove it. Trident stated they purchased the debt XX/XX/2013 from XXXX Although I have proof of the debit from my checking account they refuse to accept the copy of my bank statement. This debt is paid since XX/XX/2013

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 2016-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Upon review of my credit report, I have noticed a {$220.00} charge from this company. The report states that it is a utility bill and the original debtor is XXXX. XXXX has been my current provider for two years. I have received no written/verbal notification of this debt. Furthermore, I have never had to pay a deposit to attain services. 
I have contacted XXXX two times regarding the account. The representative from the billing could not find the account on the XXXX databases, despite having my social security number. He verbalized the account number granted by me from Trident was invalid. 
During my last contact, the Supervisor recommended to report the debt as fraudulent. 
Post review of my bank statements, the original account number provided by Trident is not my XXXX account number and is too short. 
I have contacted the company numerous times and their method is to attain information from me, such as my address and social security number for validation. This is a fraudulent account and it negatively affecting my credit. Furthermore, I am very concerned with the number of review on the internet that mirror my complaint. 
Please note all correspondences regarding this account will be forwarded to the XXXX Office of Attorney General and the office of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
This company claims to be a law firm representing XXXX XXXX XXXX. They have called my place of employment and left a voicemail detailing an alleged debt on our public voicemail box. They also call my cell phone multiple times a day, becoming confrontational bordering on aggressive when we have spoken. I have explained to them that I closed my account with XXXX and should not have been charged, nor should I have an account in collections. I have blocked several numbers but continue to receive calls from them regularly.

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 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: KS

Complaint narrative:
PMI insurance should be coming off loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: AR

Complaint narrative:
I am XXXX military. I 've had a mortgage loan with PHH since XX/XX/XXXX. I 've never missed a payment until last year. In XXXX of last year I found out my husband was XXXX from the military and I would be the only XXXX with a job and we have XXXX kids. I contacted PHH ( XXXX XXXX ) in XX/XX/XXXX to request aid with my load. She had me fill out some forms and submit tax returns, pay and bank statements. Since then we have gone back and forth. She continues to ask me for the same forms and documents I 've already submitted multiple times. She will tell me that 's all she needs and my case will be submitted but a month later she sends me an email asking if I still want to do a deed in Lieu request and again asks me for the same forms again. This has been happening for almost a year. My husband got out in XXXX of last year and I started missing my mortgage payments. My credit is ruined and my deed in lieu of still has n't been submitted. I 've contacted her supervisor ( XXXX XXXX ) and she had XXXX XXXX contact me again ( a month after I contacted her ) asking for the same things I 've sent at least XXXX times. I 'm stuck and do n't know what I can do. No one can be this incompetent of they must be playing with me so they do n't have to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: IA

Complaint narrative:
My XXXX Mortgage is serviced by a company called PHH. They are horrible. They are impossible to get ahold of and when you finally do - they are rude and do n't listen. 
Their customer service line is only available during business hours, They hide their number on their website " XXXX '' XXXX how would you ever find this website - it has nothing about PHH on it. Also - when you call into the customer service line they do n't normally answer the phone in under 1-2 hours. They finally implemented the call back option. I tried 3 times yesterday to get a call back ( each time it was longer than 1 hour wait ) and finally got someone on the phone to find out that I had to talk to another department and they put me thru to their line, which I waited on hold another 45 mins. When I finally got thru - they said, write a letter and fax it to us. Then we 'll get back to you ... .. I 'm not looking forward to waiting to get a call back for 4 hours next week - because they wo n't respond to the fax to let me know they got it - or return my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
Coldwell Banker Mortgage /PHH Mortgage made an unauthorized withdrawl from my checking account and ca n't find the payment in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Asset Acceptance hired attorney XXXX who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MI

Complaint narrative:
PHH created fraudulent loan history to force foreclosure/eviction on us, we 've proven payment for the loan of {$15000.00} PHH wanted us to sign, we paid XXXX Bank in cashiers checks, we did not owe PHH. We are missing {$35000.00} in payments, all cashed by PHH. I have proof of all of this..we were also part of the {$6.00} XXXX settlement only for PHH to foreclose/evict anyway, PHH did not follow the NJ XXXX stipulation to apply all our payments, remove fees and bring us current. PHH " somehow '' managed to evict us ... someone is on the take, payoffs, something is WRONG here, how could we pay and still get evicted???? PHH took our credit, our money, our home, our chance for retirement and our lives ... I want it back!!!!! I have many documents to prove theses statements including an offer from PHH for {$50000.00} over the redemption cost ( we were denied redemption ), and we had to sign an agreement to not sue, be part of a lawsuit or hold PHH accountable in any wrong doing. PHH evicted us while I was completing XXXX treatments ... .can you say scum of the earth? PHH needs to be held accountable for what they have done and are continuing to do to homeowners. We had trouble from the day we signed our mortgage, we were never in a modification, did n't need one..we needed PHH to apply payments they cashed. We had no problem paying our payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have never had an account with this company and filed a dispute with all credit agencies requesting it be removed. A Cease and Desist Letter was sent on XXXX/XXXX/XXXX as it appears to be a former account but is well over the principle amount owed. 

My credit reports note the debt is disputed and I have not been informed of the terms associated with this debt. 

On XXXX/XXXX/XXXX, The Consumer Financial Protection Bureau issued an enforcement order against Encore Capital Group , Inc. headquartered in XXXX XXXX, Calif. And its subsidiaries, Midland Funding LLC , Midland Credit Management , and Asset Acceptance Capital Corp.The XXXX can be found at the following link : : XXXX In XX/XX/XXXX, I had been cleared for bankruptcy after employment loss and medical issues and due to possible identity theft and issues with my bank account, I was forced to delay filing. 

I informed all of creditors of my employment loss and that I was not refusing to pay any valid debts. I regret not being able to pay the original creditor and settled with those in which I was financially able to pay. I have reconsidered filing for Chapter XXXX and will file within the next 6 months. 

I have consulted an attorney concerning a possible lawsuit in this case given bogus debt collectors and unwarranted fees I never owed are the reason for my current financial situation and I find it especially distasteful to hit people when they are most vulnerable.

Company response to consumer: Closed with explanation