vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I was issued a loan modification ( not under a government plan ) by Nationstar Mortgage LLC. This was, and is a jumbo loan. The NationstarModification did not help lower my interest rate, which was 6 %, and still is to this day. I guess the modification was that they allowed a 2 year period as " interest only '' payments. In XXXX XXXX I began looking into a refinance to lower my rates to a competitive rate. I was quickly advised that my mortgage was listed as " in Dispute '' by Nationstar. I was also told that Nationstar had reported 5 late payments of more than 90 days. I immediately contacted Nationstar to dispute the late payments, as I pay electronically and have complete records of every payment. They told me they could not tell me the dates, as I was not the correct point of contact for my loan. They told me the law firm that represented my at closing was. I had that firm ( the lawyer contact had left that firm 198 months prior ) to write a letter confirming their dismissal as the point of contact. Along with that letter I included a letter from Nationstar to me advising that the first date of payment would be XXXX XXXX, XXXX. It turns out every reprted late payment was prior to this dateof my first payment. In fact, they applied my XX/XX/XXXX payment to XX/XX/XXXX, even though my firdfirst payment was XXXX XXXX, XXXX. Nationstar reports that XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments were all late 90 days, even though they advised me in writing that the first payment was XXXX XXXX, XXXX. I have tried repeatedly to get Nationstar to acknowledge this in writing by email and fax, and I have tried to get them to engage me to modify or re-issue a new or modified loan, because no other lender will touch this because it is my mortgage company who is reporting my incorrect payment history, This raises a huge red flag to anyone willing to help me try to refinance to a competitive rate, and significantly lowers my credit score, both of which make it impossible to refinance. Nationstar has completely avoided dealing with me and will not return my calls. This is just part of my attempt to get them to correct their errors. If I would refinance to a competitive rate my payments would be close to XXXX/month less.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been fighting for months for Nationstar to remove the PMI portion of my loan. At time of purchase we were notified that as long as I was XXXX % or higher on loan to value this would be removed. I began asking questions in XX/XX/XXXX and was sent in a constant loop until I got nasty. I asked and received an appraisal which shows my loan to value is XXXX % just received a letter stating that the range " could '' be XXXX-XXXX % LTV and denied my request. My house has the required LTV, I have excellent credit and never missed a payment ... .Shame on you Nationstar. I was so excited to read about your organization please help they have been trying to string me along since XX/XX/XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Frequent harassing phone calls throughout the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ORG GC GP BUYER, LLC
State: TN

Complaint narrative:
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: CO

Complaint narrative:
Gentleman called and asked for a family member. Would not identify himself or the reason for the call. When I asked who it was and why he was calling, he would not answer. I told him I would not give any information. Other family member report of repeated calls and harassment. Number the call was from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Collections Inc
State: MS

Complaint narrative:
a ) they never sent us any letter with their name, address and account number. They insisted on calling me at work.XXXX for a living thats totally unreasonable. I asked them to talk to my wife because she is home during the day. They threatened garnishment even though garnishment is XXXX dollars and I only owe $ XXXX.I told them I can not pay the whole amount and needed a payment plan and she said she wanted my debit card number. This was without telling me who she even was and with no way to keep them from taking the whole amount. I said no I 'll send a check for what I can afford. She said she had to have the whole amount. Whenj I said I couldnt afford the whole amount she said I was being rude and hung up.She continues to call me while I am at work XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I received a call from United Collection Bureau in XXXX Florida. They continued to call my cell phone, and then called my neighbor. I was threatened and told that not only would they take legal action but they would see my husband was XXXX. This was on a XXXX account - When I looked up the company it talked about scams, and that one of the owners XXXX XXXX is a horrific person to work for and pays people off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on XXXX and found out that it is a collection agency for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: TX

Complaint narrative:
My wife and I purchased a new construction home in XXXX XXXX. LenderLive serviced the loan including escrow through XXXX and at the beginning of XXXX, XXXX Mortgage took over servicing the loan. In XXXX XXXX, XXXX Mortgage performed an escrow analysis and found that there was a shortage of {$25000.00}. We contacted LenderLive about the shortage and they admitted that XXXX escrow analysis should have been done during XXXX, but none were performed. To correct the shortage, our monthly payment will go from {$2200.00} to {$5700.00} for a 12 month period and then to {$3500.00} going forward. After contacting LenderLive and speaking with multiple customer service representatives and a Director, they admit that there was no escrow analysis performed when there should have been, yet the Director says that it is not their responsibility to adjust the monthly payment in a timely manner to avoid such large shortages. We have tried to contact the Vice President of LenderLive, but our call has not been taken and voicemail has not been returned. We are now trying to negotiate with XXXX Mortgage a reasonable payment plan to pay off the escrow shortage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: Security Credit Services, LLC
State: NY

Complaint narrative:
XX/XX/XXXX i saw an account in my credit report from Security Credit Services. I called to inquire they said it was a XXXX account belonging to my ex wife of which i was authorized user. I ask for info to call XXXX and i file a dispute with both company because i never had any joint account or was i any authorize user on her account. They said they mailed the info to me, any way i check my report again and the account was removed, so i left it as that. Late last year the account returned to my credit file, so they deleted it to prevent me from disputing it and put it back hoping i would n't notice the put it back. i called security credit services again spoke to XXXX XXXX every time i called they were transferring the call straight to him. He ask me if i file a police report i said no, you never send the info. i went to the station to file a report they told me i need teh account number, name of who open the account, when the account was open and close and the address where the account was open. I called XXXX XXXX back told him what they said i needed he said he would send it. And when i call XXXX they 're telling me they don ; t have any record of sending my name to collection and they do n't have any outstanding account with my name on it. XXXX XXXX said they returned the account to the original lender i called XXXX, nothing i called back he give me a number for another collection agency saying they bought the account from them. And they kept giving me one store after the next. Today XXXX/XXXX/XXXX i called still trying to get the info on the account spoke to XXXX again she 's telling me the account was returned to the original lender, saying they did send the info to the address where the account was open when i give XXXX XXXX my address to send the info. I hang made some more calls and call again this time XXXX said the account is pending to be returned to the original. So they 're lying about who have the account and wo n't give me the info to dispute it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I had submitted a written debt dispute letter within 30 days of notification of collection. This collection agency has continued to call multiple times a day and has refused to acknowledge my dispute in any way, and is still attempting to collect the debt without investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I paid off my medical collection, what I got because some person in medical ofgice did mistake. I got the bill. I cslled up to original collector, find out more about this bill. Lady at ofgice, said, sorry it was mistake, you are fine. Font have to pay anything. 
So I did not. 
After months I got letter from collection company! 
Iagreed pay. What I did, they promised re.ove the collection from report, and it not really happened. They removed it from XXXX but not from all credit analysis companies. 
I called again, no answer, they never called back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
Notice an paid in full but still open account on my credit report. Called company handling the account and asked if they could send in a request for deletion from my credit report and was given the run around and told that they couldnt do that twice and hung up on once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-04 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance Collection Agencies, Inc.
State: CT

Complaint narrative:
I visited a clinic run by XXXX XXXX in XXXX XXXX. I paid in cash for a throat culture. At the time I was living in XXXX. 
In XXXX XXXX I moved to the US and continued to use XXXX XXXX in XXXX for several things, paying in full with their online system. 
In XXXX XXXX I was moved back to XXXX by my company. I called XXXX and ensured all bills were paid. Everything was ok. 
In XXXX I received a bill for the visit in XXXX XXXX. I called to dispute it. In XXXX XXXX they turned it over to a collection agency. When I called this time they said they had been trying to collect since XXXX XXXX. When I proved further the lady on the phone said that the throat culture test I had did n't even cost this much and she would look into it. She never came back to me. I followed up in writing using their online system. They said they do n't have a record and as I did n't save the receipt ( from nearly 2 years ago ) I needed to pay. 
I followed up again with them and the collection agency to discuss in XXXX. Neither had record of the bill. 
Now in XXXX XXXX I am being contacted by another collection agency to pay this XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Allen & Withrow
State: AR

Complaint narrative:
I have been issued a writ of garnishment for a debt under a previous name ( I was married in XXXX ) that was assigned to a bank account I had in XXXX. I filed for bankruptcy in XXXX. I do not recognize the debtor, XXXX XXXX XXXX XXXX and have received a second notice of garnishment, this time for a bank account I opened in for my incorporated business. The original debt listed was for {$1100.00} and the garnishment order is for {$3300.00} This debt is not listed on my credit report, and I have no way to know what it is for without engaging the collection agency and reopening the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TOLL BROTHERS INC
State: FL

Complaint narrative:
Why do Homebuilders not allow borrowers the right to choose a different mortgage lender than the XXXX they force yo to apply with.? It is unfair practice to force you to use their lender in the process to buy a home. 
Toll Brothers, XXXX, and XXXX XXXX engagin this restricted practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 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.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is 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 2016-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I have contacted IQ DATA several times to get this resolved. They are damaging my credit by not reporting an account in bankruptcy. It is showing as a active derogatory account still after almost 2 years. I have contacted enough times and people at IQ DATA this should have been taken care of and was told several times it was, however I just ran a credit report again to check and it is still showing exactly the same, they have not corrected this damaging issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and cavalry portfolio services, collecting for a XXXX XXXX credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called cavalry portfolio to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I have repeatedly asked Bureau of Medical Econcs to provide an original invoice documenting what this debt is for, along with any information that could help me identify exactly what this is for. I have no knowledge of owing the amount claimed of {$110.00} to XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I contacted this creditor on their secure login site and asked what a XXXX debt was about as i found it on my credit report. i requested complete verification of the debt to be mailed to me. A week later it no longer showed on my credit report. 
Now I check again and it lists a new debt, with a Open date as of XX/XX/2016. This is around the time i disputed it. This is completely fraudulent. 

It is for XXXX and I have not been to any doctor in YEARS!. 

This new " collection '' brought down my credit rating and fico score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 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: Viking Client Services
State: CO

Complaint narrative:
I rented a car when visiting my mother in XXXX, Texas, several months ago. I returned the car to the airport when I flew home. First, I received letters stating I needed to return the car. I contacted XXXX and stated that I had returned the car. I had to fill out paperwork while at the airport because my mother 's neighbor backed into the car, and I listed her name and insurance information as the responsible party. The neighbor 's insurance agent had called me, accepting responsibility and giving me all the pertinent information to turn in to the car rental company. Then, I get a bill for {$800.00} for the damages. I sent another letter explaining everything again, with all the insurance information I had already given them for the damages. 
Now I get another letter dated XX/XX/2016, demanding payment and warning of collection efforts. Here is a copy of the letter I sent them : Viking Billing Service XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX : This letter is in reference to your letter requesting payment for a claim, number XXXX. I have no idea what is going on with XXXX. First I keep getting letters to return the car ; now I get a letter requesting payment for a claim. All the information was on the paperwork when I returned the car. 

When I returned the car, I stated on the paperwork that the neighbor backed into the car and she gave me her insurance information. I spoke with the insurance company, and the company accepted responsibility. Obviously, XXXX not only had lost the car ; the paperwork also vanished. 

Here is the information again. The insurance company is XXXX ; claim number is XXXX. The insurance agent 's ( XXXX ) number is XXXX x XXXX. 

I have been in XXXX and just now opened your letter requesting payment. I have never had such an experience with a car rental agency, especially with one as well known as XXXX. 

Sincerely, Please advise how I can stop this harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received a call from IQ Data at work from XXXX. She was very rude and broke every collection practice. I called back to speak to supervisor and the agent transferred me back to XXXX. I will be seeking a lawsuit against the company for collection practice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation