vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Financial Credit Service, Inc.
State: MI

Complaint narrative:
Received this letter XXXX/XXXX/XXXX, ARA Inc. XXXX XXXX XXXX XXXX, XXXX XXXX.Oringinal Creditor : XXXX XXXX XXXX Bank Account # XXXX XXXX Current Balance : {$24000.00} This letter is to inform you that ARA Inc. has recently obtained and now is the legal owner of your XXXX XXXX XXXX XXXX Account . All obligations regarding this debt and any applicable interest and or fees have been fully transferred to this office. As of today, you owe {$24000.00}, which is now due in full. Please remit a check for the amount of {$24000.00} payable to ARA Inc.along with the the payment slip above in the self addressed envelope provided. Within 30 days of full payment, you will receive a paid in full letter for your permanent records. If you are unable to pay the entire balance in full, please call XXXX XXXX at ext # XXXX XXXX XXXX -XXXX central to discuss acceptable payment arrangements and answer any questions you may have. Please retain the balance of this letter for you records. Sincerely, XXXX XXXX XXXX XXXX XXXX so I am his XXXX, XXXX XXXX, and I called to find out what this was about. We have n't seen this on his credit record or anything and was shocked. I talked to a lady and she gave me some info and then I called back after letting XXXX know what she said. I called back and talked to a XXXX XXXX ext. XXXX and told her XXXX XXXX ca n't talk on the phone. She said this was from a visa credit card that was open in XXXX and had payments paid on it till XXXX. Balance then was {$7900.00} and now with interest and fees {$24000.00}, She asked if he could pay it in full and I said we only have XXXX and live month to month with nothing extra. She said she had to do her due dillengence and wanted to know if she could set up a payment of {$50.00}. I said no and she said how about {$2500.00}. I told her we did n't have anything extra and she said if I did n't set up a payment then they would take it to court and put a lien on his bank account. I said all we get is XXXX and she said they do n't care where the money came from they would just take the money in the account. I asked her where the card was used and she said she do n't have that info but she gave a couple address 's and XXXX was a XXXX XXXX XXXX knew and XXXX address was XXXX XXXX, XXXX , FL . We looked up that address and it was a trailer that XXXX never remembered. She gave the last XXXX digits of his S.S, # and said he was a police XXXX. I told her XXXX said he never had a credit card from XXXX XXXX and she said someone made payments on it for 9 years so it was his debt. I told her I would pass this info onto XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
I received a call from a " company '' claiming to collect a debt. Asked me to verify the last XXXX of my ssn. I did n't verify as I suspected it was a scam and the caller got very upset when I requested to have the information sent to me in writing. I asked the caller to state the company name several times and she did not and after I explained to her I 'm not confirming anything because " this could be a scam '', she hung up on me. Basically confirmed my suspicions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
I typically overpay my mortgage. I run XXXX months ahead of my payment. PHH Mprtgage has be two months ahead in XXXX 2015, then their accounting went crazy. My payment is {$1200.00} a month. They applied {$1800.00} to XXXX/XXXX/2015 payment. Then I started getting nasty letters from them saying I was overdue. I ended up paying {$5300.00} toward my XXXX/XXXX/2015 payment and {$3000.00} toward my XXXX/XXXX/2015 payment. Did a law change allowing lenders tyo change the terms of my fixed mortgage? They cant recalculate mt mortgage each time I overpay. They are essentially penalizing me for prepayment by keeping my maturity dadate fixed and making me due every month no matter how much I applied to my principal. I depend on having a cushion of a couple months for when I deploy. This is total XXXX. I have complained to you about XXXX doing the same thing. and they responded with a XXXX answer and continue to do the same thing. XXXX banking practices!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
I have an FHA residential loan with PHH mortgage. On mortgage website I saw they hadapplied my full payment due on XXXX XXXX 2015 of {$1000.00} on principal only, I emailedthem on XXXX XXXX, 2015 to point out what they had done and to ask them to fix theremistake. They have not fixed the mistake I emailed them again on XXXX XXXX, XXXX, XXXX, XXXX 2015, Emails were also sent XXXX XXXX, XXXX, XXXX, XXXX 2015 I have gotten no answers and theproblem is not fixed, it is only getting worse They have only responded with emailssaying I have a late charge, my account needs attention, and a generic email ofthanking me and a customer service rep will get back to me in XXXX hours. I did receive a letter via USPS from a XXXX XXXX Liaison, Office of President of PHH Mortgage saying they look forward to providing me with the highest level of service As of todaythere website states I owe a XXXX XXXX, 2015 payment of {$1000.00} and XXXX XXXX, 2015 of {$1000.00} is coming due. There is also an amount of {$500.00} in a suspense account thatI am unsure of what they are doing with money ( all taxes and insurance are up to date ) Ihave asked them to reapply all funds to bring things current and to resend aninvoice/statement showing problem has been fixed As of today XXXX XXXX. 2015 I havereceived nothing from PHH Mortgage showing problem has been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
I have a loan from XXXX, I 've made payments along the way, I 've filed for forbearance and economic hardship back in XXXX and XXXX. I received a call at work last week from a collection agency, I have no idea how they got my work number, I gave them my cell number, I had a talked to a young lady who asked about my income and wanted to know my family size. I received a letter stating that I need to give them a copy of my prior year tax return, IRS transcript or an authorization for IRS transcript. They are not the originator of the loan. I requested a copy of the original loan and was told it would take 6-8 weeks to receive a copy. I do not feel comfortable giving this information to them. The young lady told me that she could have called my payroll office to get the information to begin garnishment, but she wanted to talk to me first to see if I could provide her with the information. At this time I am just getting by with what I make, I can not afford to pay anything right now. They want to get me enrolled in a " 15 % rehabilitation program '' only to have someone else purchase the loan after I make " 9 qualifying payments. '' The company is out of Texas, but they call from a local number, they also an OH address on the letter. They are giving me 30 days to give them this information. There is a note at the bottom that states the amount owed, but because of interest, late charges, and other charges that may vary from day to day, the amount due on the day you pay may be greater. That statement makes no sense, how can a payment plan be calculated if the charges may vary day to day? Please Help! Is this legal? Do I have to give them this information? 
Can they garnish my paycheck?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
This debt was paid in full to XXXX, XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, 2016 ( see supporting documentation ), yet Portfolio Recovery Associates ( PRA ) continues to call my home phone and report the collection account as open with a balance of {$130.00} to credit bureaus. When contacted, PRA told me they could not discuss the debt with me because it was with an attorney. The attorney advised me to insist on talking to a manager. After several calls, I finally reached a manager who said she would confirm the information and correct the error. I called back to verify, the PRA representative rudely stated that she had no idea why I continued to call when both PRA accounts ( an older XXXX and the more recent XXXX ) showed a zero balance. I explained that I continue to receive calls from PRA and the account continues to be reported to all XXXX credit bureaus as open with a balance. She further informed me that they are under no obligation to report closed account to credit bureaus. I 'm at a loss for what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
Husband received XXXX and had to move. Contacted XXXX ( originator of loan ) and was told that mortgage qualified for XXXX short sale and I needed to work with PHH who now owned my loan. PHH loan specialist mislead ( in writing ) that our first and second mortgage was covered in closing documents and that this was a XXXX short sale. The closing documents also misrepresented this fact. A few months after closing, XXXX creditors came at me stating loan was not included for which I continued to pay on for over 2 years. PHH put in writing that this was indeed 'all included ' only to retract after the fact. Now after almost 5 years, we applied for a mortgage loan and was told that it was not a HAFA but a regular short sale and that we do not meet the criteria. All communication to date has stated otherwise. This has been extremely XXXX and frustrating. And to top this off - the Title Company now wants the money from the 2nd mortgage payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
I have been harassed by this company they have been making threating phone calls and they have been calling my son and my brother and I have no idea how they got there phone numbers. They have told my son and my brother that if they do n't tell me to call the company that they too will be in trouble. They also without my authorization withdrew money from my personal checking acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION
State: OH

Complaint narrative:
I I received several phone calls which were hangs up on there end then I was able to speak to someone whom I told her that I had mailed my payment and he said that that was fine the next day I received a phone call from a woman from regional acceptance Who said if I did not cancel the check that I put in the mail and pay over the phone that she would submit my car for repossession she told me that collection calls would not stop after I asked her to please stop calling that I had already spoke to someone she said if she would stop XXXX that my car would be repossessed and there would be nothing that I can do about it she made a lot of threats that she would take me to court when I asked to speak to the manager she put me on mute and after five minutes she hung up on me before she hung up she said that the repossession person was already on their way it 's my home to pick up the car because it was the first payment and I should not have mailed it although the bill sent in the mail said that I could mail it and also a week earlier I made a promise to pay by mail with a collection representative at regional acceptance and the night before I spoke to a member of the team and he said that my payment was fine that he would notated in the account she said that the account had not been notated and she did n't care my car was going to be picked up when I made the promise to pay I also told the lady that my dealership said that they would defer my first payment of 45 days that did not happen regional acceptance denied it after the fact when the lady called my dealership she said that there was a mixup and that the 45 day the deferment was OK when I told the lady that I would file a complaint with the CFPB she said that the company would sue me because that was a part of my contract for taking out the car loan no to file an outside complaint.

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 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Borenstein & Associates, LLC
State: TX

Complaint narrative:
Collection letter for judgment stated balance was {$11000.00} - balance was actually {$6400.00}. Discrepancy was blamed on a " glitch '' in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: OR

Complaint narrative:
Loan modification that has been a nightmare with PHH Mortgage Service Center. They have made me jump through so many hoops and I finally recieved my trial modification and passes the XXXX months test. They issued an incorrect packet and while following their directions to correct different requirements they closed my file and have stated I need to start all over. They misinformed me on the process and information that was needed to correct the packet. When all their many different and changing requirements were met, they threw my packet out. They are not acting ethically at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 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: Western Portfolio Assets
State: NC

Complaint narrative:
They contacted me and stated I owed over {$1300.00} from a XXXX XXXX account. I was at work and extremely busy and stressed to even verify the information. They kept calling me and threatened to garnish my wages and take me to court, etc. I am the only person working in a XXXX person family, so I could n't take my chances. I ended up paying {$260.00} as a deposit and {$170.00} in XXXX and {$150.00} in XXXX. At last, I verified the information with XXXX XXXX and they stated I had to past due balance or anything at all. I asked then about their collection agencies and they gave me names, but not Western Portfolio Assets.

Company response to consumer: Closed
Consumer complaint received 2016-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: American Financial Resources, Inc.
State: LA

Complaint narrative:
I monitor my credit report & score thru XXXX XXXX & XXXX-I recently applied for a mortgage thru complete Mortgage of XXXX who sent to American Financial Resources. My XXXX score from XXXX XXXX, creditwise shows XXXX my score for XXXX from XXXX shows XXXX. My XXXX score from XXXX shows XXXX but when I got my scores back from the mortgage company, they had my XXXX score as XXXX & my XXXX score of XXXX. I know there is some difference in scoring but it makes me think that the mortgage company is trying to get a higher interest rate. I compared the actual reports from XXXX & XXXX themselves against the reports I get from XXXX & XXXX XXXX & there is n't much difference between them. Can you please explain why there is such a discrepancy between these? thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
On XXXX XXXX, I mailed out a check that was post dated for XXXX/XXXX/2015 with a letter attached that requested that the check be cashed on XXXX/XXXX/2015 with instructions that if the person who received the check had any questions they should contact me directly. The check was then cashed and posted on XXXX/XXXX/15. This caused me to overdraft my account and overdraft fees have resulted. I contacted Credit Central and spoke with XXXX to inquire why they cashed my check before the date on the check and why they did not contact me. She acknowledged reading my letter and said that she assumed that I had made a mistake by marking the date on the check and letter to the XXXX instead of the XXXX which is my due date. She then transferred me to her manager XXXX. XXXX explained to me that the check had posted and there was nothing they could do. I advised XXXX that I would accept the mistake if they would refund my overdraft fees. She then reached out to her manager XXXX XXXX who advised her that is is there policy that they do not hold check payments. This policy I understand but I was never made aware of it nor was it outlined in my contract. In any case, they should have called me if they felt like there was an error with my payment. XXXX then reached out to his manager who refused to refund the overdraft fees to me as well. XXXX also claimed they had no record of my letter correspondence even though XXXX had acknowledged it in an earlier phone conversation. He also advised me without provocation that there was no legal recourse I could take even though I did not state anything about taking legal action against them. I advised him several times that I would escalate the matter further unless I received satisfaction. He disregarded this. Unfortunately, I am in a financial situation where I am living paycheck to paycheck and this has caused me an amalgamation of stress and hardship. I refused to do business with this company again and encourage others to refrain as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
This is with Credit Central of XXXX Alabama, fell behind on loan and can only pay XXXX biweekly, yet company continues to call my job after my manager and i both asked not to call. XXXX store manager advised if i paid my bills they wouldnt call with a very nasty attitude. This company is not professional and very belittling to clients. Since they are not governed under FDCPA, they feel they can practice like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: GA

Complaint narrative:
Stellar Recovery INC is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
A couple years after I noticed a car loan on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.

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 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
mid Michigan credit bureau XXXX, mi never sent verification billings of debt or made any valid attempt before placing bad debt on my XXXX which was the only way I knew of it in the first place,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC.
State: IN

Complaint narrative:
I received a letter from Guaranteed Rate stating that I have not provided " Hazard Insurance '' for my home located at XXXX XXXX XXXX XXXX XXXX IL XXXX. They paid the bill and received the rider for the insurance in XXXX from escrow. We have a previous complaint that was filed although they replied with a resolution it was not just. At this point they are just harassing me for no reason at all. I will attach a letter from Guaranteed rate that specifically recognizes the coverage and yet we receive letters requesting proof of insurance. Also, I will attach the invoice that was paid out of escrow ( LATE! ) by Guaranteed rate. Harassment, plain and simple.

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 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Management Control, Inc.
State: IL

Complaint narrative:
I had no idea I had an outstanding debt with XXXX. I did not once receive a call or email in regards to this debt. I believe this is a debt collector from XXXX, in which they ( XXXX ) has always kept my up-to-date contact information. Therefore, I would like to respectfully dispute this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed