vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Sortis Financial, Inc.
State: IL

Complaint narrative:
I had investment property that was the subject of a foreclosure lawsuit in XXXX XXXX, Illinois. The property suffered serious internal damage because of negligence by the former tenant. The servicer, XXXX XXXX XXXX XXXX allowed the homeowner 's insurance to lapse. My payment consisted of principal, interest and escrow. I 'm currently a class Plaintiff in a pending lawsuit against XXXX XXXX. To make a long story short, I was not financially able to repair the {$10000.00} + damage and attempted to work with XXXX XXXX. They retained a law firm and I was sued in a foreclosure lawsuit. I have worked out the deficiency judgment with the plaintiff 's attorney. Sometime in XXXX ( XXXX ), I received a letter from a collection agency called " Clear Spring Loan Servicing '' along with a " Limited Power of Attorney ''. The POA has no account number, no address, my name is not included. I hired a consumer advocate and she received another " Limited Power of Attorney '' dated in XXXX. Again, there is no name, property address or account number listed on it, and it is lacking the notary seal as well. XXXX XXXX from XXXX, a well-respected consumer advocate investigated the contents and contacted the people listed on the Power of Attorney forms. It was discovered that " XXXX XXXX '' is really XXXX XXXX XXXX XXXX, XXXX, Assistant General Counsel of XXXX in XXXX. XXXX XXXX denied signing the Power of Attorney and said his signature on the alleged power of attorney is a forgery. XXXX XXXX contacted XXXX XXXX who is indicated as a " Vice President '' of XXXX on the XXXX bogus power of attorney. XXXX XXXX denied that was her signature and considered it as a forgery as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems refuses to send me documentation proving that this debt is mine. They are unprofessional and I believe this company to be a fraudulent den of thieves. The manager XXXX XXXX hung up on me when I simply requested documents to prove this debt is mine. After, I called back after being rudely hung up on and spoke with a " XXXX XXXX '' who told me that paperwork was indeed sent out. This was weeks ago and I have received nothing from them.

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 2015-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Management Company
State: NY

Complaint narrative:
I have a medical bill on my credit report. I carried state insurance at the time of the services. I contacted the doctors office and it was to be taken care of. Now its listed on my credit report. I called the debt collector and explained the situation and asked that it be disputed. She refused to dispute it and hung up on me. The creditor information isCredit Management Company ( XXXX ) XXXX am dumbfounded to be treated so rude and I am upset that my rights were refused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: IL

Complaint narrative:
i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank sent several to text to my Cell phone without my consent. On XXXX XXXX, XXXX, I received XXXX texts to my phone number XXXX from the Citibank fraud department inquiring about a fraudulent transaction with my debit card in West Virginia. The online account ( opened in XXXX or XXXX ) was not compromised so there was no need to change the user name or password. I had conversations with Citibank on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and I asked numerous representative how did they receive consent to send texts to my cell phone. Citibank had sent text prior to this incident. I asked them to send me a letter stating when they received consent. On XXXX XXXX I received my new debit card and attempted to add it to my online account. I was able to access the account with my old user name and password. I needed to add the new debit card number to the account and it should have provided me with full access. ( The usual process is to add the new debit card number to the online account and I have full access. ) I was able to access the account but with limited access because the new debit card could not be added. The rep went through several trouble shooting steps and said I needed to register for a new account to access my current account. I asked why and she said it was to access the account. I was asked to add a new user name and password and to accept new terms of agreement and I cancelled at that point. 
I have been able to access my account with the old user ID and password with limited function under my old user name and password up until Monday XXXX XXXX, XXXX. Today I was told my old user ID and password were no longer active because I set up a new user name and password which I did not. The system indicates that the terms of agreement have to be accepted for a new account to be used or setup. The rep said that the system must have pushed it through without my consent. 
I am no longer able to access my online account. Since I started to inquire about who gave Citibank authorization to send text to my cell phone. I have had difficulty accessing my account to pay my bills and access my balance. Now I am told that I set up a new user ID and Password and this was pushed thru the system. I was told that I provided consent and to check my account yesterday, to receive text and now I am unable to access my account to verify this information and they refused to provide the date that I supposedly consented. Citibank is preventing me from accessing my online account which is linked with my savings, checking and credit card account. If a new online account was established with a new user name and password then it done without my permission.

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 2016-11-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I have a personal loan with One Main Financial which I have been paying on time for the past 2 and a half years. Recently I have had some issues due to medical reasons that have caused me to have to pay a week or 2 later than the due date. If I have to postpone a payment I will set up my payment on line through their website according to my budget each week. So even if it 's a week or 2 late, the payment is still scheduled. There is a girl named XXXX that will call me at work and home when I schedule a late payment. The last time I spoke with her when I was in the office ( XX/XX/XXXX or XXXX? of 2016 ) I told her she could not call me at work anymore. They are getting upset with all the calls. She would call everyday, sometimes 2 times a day. After that conversation, she continued to call. And again, sometimes twice from what my colleague at work tells me. I have logged all the times she has called if needed. I also mailed a written request to not call my work number in the future. She still calls. I understand they are concerned about receiving their payments, and I have never been 30 days late, and if they pay attention to their own website they know when I schedule my payment. I understand that if I pay late, I have to pay the late fees etc. And I do. The last conversation I had with her was borderline harassment. She was insistent that I come in and sign a paper for a deferment. I was 15 days late? I told her there was no need. I will pay the late fees. She did n't seem to like that answer. So I get a letter in the mail to sign for a deferment. Which I tore up. I do n't mind if she calls me at home, she can leave a message anytime. But I do n't want to be harassed any longer. The company I work for is getting tired of answering personal phone calls everyday and sometimes twice a day. She could make me lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I applied for what I believed what an installment loan in XXXX XXXX. In XXXX XXXX, I refinanced the loan, assuming it would stay an installment loan. I recently glanced at the refinance documents to verify my last payment date. At this time, I realized the refinance was set up as a payday loan. Maturity date is scheduled for XXXX/XXXX/XXXX with a blanket payment of {$1300.00}. The current loan documents do not specify credit as payday loan or installment loan. I 've requested the original loan documents & have not yet received them. But I have documents from a previous installment loan, wording the same as this current payday loan. The biweekly amount for the installment loan & payday loan are the same except for the last payment. The installment loan is already highway robbery, and i am aware of this which is why I know I requested an installment & not a payday loan. I spoke to a supervisor who could not assist me with my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Client got behind on mortgage due to being diagnosed with XXXX. They asked for reinstatement amount & was adv it would be {$17000.00} or thy wld start foreclosure. On XX/XX/XXXX I wired {$13000.00} prior to the deadline to starting the foreclosure even though it was short. Then the bank sent a 2nd wire the same day which totaled {$27000.00}. The applied the funds to my account and forward posted my payments for almost a year in advance. Since they received the funds they still filed for foreclosure and charged me additional {$2500.00}. Once the 2nd wire was pulled back they backed out all of the payments and held the money in a suspense account and proceeded with foreclosure even though the {$13000.00} had been sent. Part of the {$15000.00} included the month of XX/XX/XXXX which was a current due payment plus attorney fees. They scheduled a hearing for XX/XX/XXXX. They continued to accept our monthly payments. Then I got sick again and had an issue with my employer depositing my paycheck into my account which I was not aware of when I made the arrangement for the payments. On XX/XX/XXXX I received a reinstatement letter of {$5200.00} there were other fees listed below but it is noted that those amounts were not needed to reinstate the loan. So on XX/XX/XXXX I sent a wire for the {$5200.00} just one day after receiving the reinstatement amount. Then on XX/XX/XXXX I got a letter stating they were returning the funds because the file was now back in active foreclosure and on XX/XX/XXXX they sent a letter stating it would now be {$7300.00} to reinstate which included all the fees that had been listed below the line of the reinstatement plus another XXXX for attorney fees and they have set another notice of hearing for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit calls my home repeatedly. When I answer the phone, they state a name ( for example " XXXX XXXX '' ) and ask if I am that person. I say " no '', and they hang up. The next time they call, they give a different name ( for example " XXXX XXXX ), and ask if I am that person. Everytime they call, they ask me if I am a different person. 

Penn Credit is obviously going through the phone book, or just calling random numbers, on the off-chance they will reach a creditor. I have stopped answering the phone when they call, but I am really tired of having to put up with this behavior. It is harassment. Someone in the government should file charges against this company. Better yet, put them out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
MY ORIGINAL BANK HAS SOLD MY LOAN TO SLS. I NEVER BEEN LATE ON MY PAYMENTS. LAST YEAR I CALLED THE COMPANY TO CHANGE MY PAYMET TO AUTOMATIC DRAFTING. I GAVE THEM ALL THE INFORMATION ON PHONE. BUT DUE THEIR COMPUTER GLITCH ON THEIR END, MY PAYMENT DID NOT GO THROUGH. I ASSUMED EVERYTHING IS FINE AND WITH MY BUSY SCHEDULE I DID NOT CHECK MY BANK STATEMENT. AFTER ONE MONTH THEY CALLED ME STATING THAT MY PAYMENT DID NOT GET POSTED. THEY CHARGED LATE PAYMENT. I CALLED SEVERAL PEOPLE AT THE CUSTOMER SERVICE WHO WERE RUDE. FINALLY I GOT HOLD OF ONE OF THE SUPERVISOR WHO WAS VERY PROFESSIONAL AND TOOK OFF MY LATE FEE. AFTER SEVERAL MONTHS WHEN I CHECKED THE CREDIT SCORE TO BUY A NEW HOME, TO MY SURPRISE THE LATE PAYMENT WAS REPORTED TO THE CREDIT BUREAU AND CONTACTED THEM VIA WRITTEN COMMUNICATION WITHOUT ANY HELP.PLEASE HELP TO RESOLVE THIS ISUUE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation
State: TX

Complaint narrative:
A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: ME

Complaint narrative:
Penn Credit Collection calls my house several times a day looking for someone that does not live here. I can never reach a human being to tell them to quit calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Company Penn Credit Corporation calling repeatedly in attempt to collect from a deceased relative that NEVER lived at this address or phone number. Refuses to explain how they got this phone number and refuses to stop calling, asks for the phone number dialed, even though they dialed the number. Employees are rude and obnoxious in behavior and calls are originally Robo calls followed by a live person. I have told them repeatedly that this person is deceased for approx. 10 years but they refuse to take action to cease and desist. This is obviously a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management
State: TN

Complaint narrative:
Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CASHCALL, INC.
State: MN

Complaint narrative:
I was called by XXXX XXXX of XXXX XXXX XXXX in XXXX, he was calling to collect a payday loan from 2011. He was rude and threatening. he said if I did n't pay right away " he was going to haul me in front of a Judge for Defrauding cashcall ''. He also has called both of my sons ( not sure how he got their numbers ) and giving them a hard time about wanting to serve papers to them on me. He also called me at work saying the same thing and saying he did n't want to embarrass me at work but would if I did n't pay immediately. He stopped calling for a week them started the same thing all over. The number he gave me via voice mail to call is XXXX. This was a {$500.00} loan and now he is trying to collect over {$5000.00}. Shortly after I took this loan I became ill with XXXX and have been fighting that the last few years. I am not a criminal as he is saying to me and my sons.

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 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: KS

Complaint narrative:
I took out a total of {$22000.00} from Sallie Mae between XX/XX/XXXX and XX/XX/XXXX. I began paying this back this year, XX/XX/XXXX. Due to a XXXX leave, I had to return and finish XXXX this fall, meaning I did n't get a grace period. That is not the issue, however. According to XXXX, they picked up my loan and I am supposed to be paying them. Sallie Mae is telling me that I still need to pay them. My {$22000.00} has now turned into {$44000.00} among XXXX different companies. Instead of paying the agreed upon $ XXXX/month, I am now sitting at owing $ XXXX/month right now. I have made countless calls but I just get told that the other company is wrong. 
I was told by the Department of Education to report XXXX because they wo n't provide me any proof of signing my debt over to them. I asked for the promissory note because my mom and I never did anything regarding XXXX, but they told me that they could n't give me my promissory note and I had to call the Dept. of Ed and get it from them. When I called the Dept. of Ed they told me that was incorrect and a violation on XXXX 's part. 
I went to the bank today and assured that I only ever received {$22000.00} through loans. They verified that and told me I need to get proof from both of these companies. Neither company will give me any proof and they keep giving me the run-around. I can not live paying {$850.00} a month right now for student loans -- I have my rent and car payments on top of that, and it is impossible for me to bring in that kind of money when I graduated XX/XX/XXXX. 
The bottom line is that my loan amount was doubled from {$22000.00} to {$44000.00}, and both companies are telling me that I need to pay them. I went to a XXXX College for two years and payed out of pocket for that- I then took three years at XXXX , including a XXXX semester that I received a XXXX. The fact that I received {$44000.00} dollars worth of loans is simply impossible and I need to get this figured out as soon as possible. I have spent over ten hours on the phone during the last two days and have gotten no where. 
Please help me, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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: Account Control Technology, Inc.
State: FL

Complaint narrative:
Multiple Issues. Last week I received a call that appeared to sound like it came from an autodialer. My phone is a cell phone. When I asked the representative, she kept skirting around the issue and I asked to cease and desist. 

I received another call and right away the person asked for me and provided my full name, date of birth and last XXXX of my social. Nothing was confirmed by me who I was and I asked who she was. She stated her name was XXXX XXXX. I asked if she was calling on her own or on the behalf of a company. She stated she was calling from Account Control Technology on a personal business matter which is well known to be a collection call. I asked to have my number removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief