vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
1 ) On XXXX/XXXX/2015 received a letter in the mail that my monthly payment has gone up to {$220.00} form {$210.00} and my payment would be late if not received now by the XXXX instead of the XXXX.No notice as to why. 
2 ) Originally the loan was in my mothers name and mine, the payment was set for auto-pay out of her account.She past away in XXXX 2015. I contacted them and the bank immediately to let them know, and stop the auto pay on my mothers XXXX account. At that time I requested ( since I would be taking over the payments now ) that the payment due date be adjusted to accommodate my banking. They told me that they would have to finish processing my mothers death certificate first and then supervisor could assist me with that. When I called back and I was transferred to a supervisor XXXX he advised that they do not change the due date for any reason. And stated my contract stated that my payment was due on the XXXX of every month and I have a 10 day grace period so if my payment has to be received on or before the XXXX, or it would be considered late. I asked him considering that my mother was the primary on the loan and she pasted away, and was a good customer. If they would consider making an exception & adjust the payment due date. They said no. I also mentioned to them that I would also need a payment booklet, I still have n't received a payment booklet yet, and I always pay on or before the XXXX. I feel like this company is not following fair consumer practices. I feel like they are trying to make it look like I 'm making late payments when they are paid on time. They are not providing me with proper payment information as stated in their contract. To this date I still have n't received a payment booklet from them. It seems like they are trying to make it look like I 'm late on my payments. In order to make it look like they would have the right to repo my car. I do not trust this company. I 've always been a good customer paying on time, and I feel like they are being dishonest & trying to take advantage of me/ ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: NC

Complaint narrative:
I was making my normal monthly payments up until I lost my job. I called the Loan company which is Credit Central and asked how do I go about activating the credit protection program for when you loose your job. I was then informed that because of the amount of my loan they took the credit protection option away from me. Not once did anyone tell me that the credit protection plan had been removed from my account due to them giving me an increase on both of the loans I currently had with the company. Spoke with the manager and the disrict manager about the matter and set up a payment arrangement to pay the two payements that were past due. I then called back to the district manager to see what other arrangements could be made considering that if I was to continue to pay them for the next few months then I would be homeless. I didnt recieve any phone call from the district manager about the matter after I spoke with her the first time after not being able to get anything solved by dealing with the manager of the location. When speaking to the manager of the location he offered for me to rewrite one loan to pay off the other loan but, that still would n't have solved the problem because at the time I actually did n't have a job to be able to repay either loan and did n't have documents to turn in to be able to rewrite the loan to pay off the other one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
Received no communication from this organization. In accordance with FDCPA I should have had the opportunity to dispute. Was not give that chance debt just appeared on my credit report as collections.

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 2015-09-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Service of Logan, Inc.
State: UT

Complaint narrative:
My insurance company made payment to the company and they kept telling me I was lying. They also refused to listen about my insurance making payment even when I was giving them facts and proof. Then they kept hanging up on me. They also are collecting an incorrect amount. They are collecting more then allowed with the insurance agreement adjustment. They would not let me send in proof to them to show this. When i would try and talk to them they would just put the phone down and not talk to me but I could still hear them talking in the background. I could also hear them laughing when I would ask to speak to a supervisor. Multiple times they hung up on me refusing to take proof of what I actually owed as what they had was incorrect. Then they threatened me if i did n't pay they would send it to a lawyer. Since they have sent it to a lawyer and are still trying to collect with now a judgement for more money then i owe. Also during this they had XXXX other item they were trying to collect from a different thing all together, but i was never even able to resolve that or take care of the other item because they would n't even let me take care of the first XXXX. They even said to me that fine if you wo n't pay we will take you to court. They told the lawyers that I would n't work with them and that i hung up multiple times on them refusing to take care of the debt so do not offer a settlement. This is the most unacceptable behavior ever especially because I do n't owe what they are claiming!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
In 2013, PHH Mortgage no longer accepted the mortgage payments and failed to produce the originating documents. Due to this, the property is now in active foreclosure and I am not the debtor, the home belonged to my late mother whom willed me the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: OR

Complaint narrative:
PHH gave incorrect and misleading information on how to correct my final acceptance packet. They never corrected the problem as promised and misled me during the process. 
When they had n't corrected my packet as promised, they went to forclosure on my property never taking responsibility for mistake. Please make them correct my accepance packet. I did everything that I was ask for in a prompt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Coastline Financial Resources, LLC
State: CA

Complaint narrative:
These XXXX debt collectors are calling me from XXXX using the oldest one in the book about officers serving papers to me. I owe no debts to anyone so this is a bogus claim and that tactic has been used for years. I 'd like to file a complaint against them. They said to call XXXX Coastline to correct this. Definitely a scam. Please stop them from harassing and scamming people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation
State: AZ

Complaint narrative:
I, along with my former spouse, originated a home loan in XX/XX/XXXX with a maturity date of XX/XX/XXXX. Upon our divorce in XX/XX/XXXX, I was advised that the loan had been refinanced to remove me from the loan and subsequently signed a quit claim deed to relinquish my ownership rights. In reviewing my credit reports, I have since determined that the mortgage obligation still remains under my name. In communicating with PHH Mortgage, it has been determined that the loan has been modified twice and the terms of the original agreement I signed in XX/XX/XXXX have been changed without my knowledge or consent. The loan maturity date is now slated for XX/XX/XXXX, 17 years beyond the terms I originally agreed to and signed for. PHH was fully aware of the fact that I no longer owned the home ( as they have the quit claim deed on file ) and that the marriage had dissolved as of XX/XX/XXXX, yet they knowingly processed changes to the loan terms without question or concern and did so without ever contacting me or obtaining my signature to agree to the changes. I have called PHH repeatedly to have this resolved and have my name removed from the loan, to no avail. I have even been advised by a PHH representative that they can not provide me with further details regarding the loan activity because I do n't own the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau-SUPPLEMENT TO XXXX XXXX, 2015 DISPUTE TO COMPLAINT NUMBER:XXXX ( XXXX ) Again, I do not owe BOA for a XXXX rental car where their XXXX representative ( located within the landrover car dealership at XXXX XXXX XXXX XXXX Georgia XXXX ) have pushed unauthorized charges on closed accounts at both XXXX bank and on an ebanking account with bank of america. What they are doing and have done constitutes BANK FRAUD. I do not owe XXXX rental car anything especially when OVERWEIGHT, DUMB SHERIFFS ACTING ON LAWYER JUDGES INAPPROPRIATE ORDERS FALSELY ARREST ME, XXXX, WHEN I AM ATTEMPTING TO RETURN A COMPLIMENTARY RENTAL CAR I DO NOT WANT ... NEVER DID. 

Now, I am STRONGLY advising your BOA to remove their DELINQUENT AND FRAUDULENT BOA AMOUNTS OUT OF MY NAME BECAUSE I OWE BOA N-O-T-H-I-N-G AND NOW you ARE OBSTRUCTING JUSTICE. PLEASE REMOVE YOUR DESPERATE MEANS OF COLLECTING ON A DEBT I DO NOT OWE. IF YOU DO NOT, I KNOW WHOM IS EAGER TO HELP YOU REMOVE YOUR DELINQUENT\FRAUDULENT BOA AMOUNTS AWAY FROM ME, XXXX XXXX BECAUSE I OWE THOT BOA UNEQUIVOCALLY NOTHING. 

I have walked into your local branch banks XXXX times with ALL THE EVIDENCE TO REMOVE XXXX XXXX. This is MY LAST REQUEST. 


Sincerely and Respectfully, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
in XX/XX/XXXX we notified PHH MTG. that we were experiencing financial difficulty.they told us before they could HELP us we had to be behind XXXX mos. at that time we called again for HELP and were sent a packet to fill out and return, we did. during this time we put house on market with no luck. tried another realtor no luck. husband was injured on job and required XXXX and XXXX by XXXX. He trained for home inspection no luck there houses were not selling!!! XX/XX/XXXX wife retired. XXXX XXXX wife had XXXX XXXX requiring XXXX. HUSBAND TOOK JOBS WHICH DID NOT MEET OUR FINANCIALY NEEDS. STILL TRYING TO SELL HOUSE. NO LUCK. WIFE TOOK XXXX JOBS. XX/XX/XXXX ENLISTED AID OF HOPE filed the ANSWER. went to court XXXX-XXXX times by XXXX XXXX PHH told us that there was nothing they could do for us. " WHAT ABOUT OBAMA PLAN? '' XXXX XXXX ( which we did not even know was involved in our mtg. ) did not 'BUY INTO THE OBAMA PLAN!!?? XX/XX/XXXX we moved out and to FLORIDA. we have and are still getting paperwork request from them, we have had XXXX buyers back out due to inefficency of PHH TO move on sale. we have a XXXX cash paying buyer now who is threatening to bow out. a message just today from realtor for recent pay stubs AGAIN. WE JUST SENT AT THAT TIME RECENT PAY STUBS IN XXXX XXXX. OUR MTG. WAS ORIGINALLY WITH XXXX XXXX XXXX, REFI NANCE TO PHH WHO IS BACKED BY XXXX XXXX. OUR OPINION IS THEY ARE PURPOSELY PUSHING US TO FORCLOSURE. THIS IS NOT FAIR TO NEIGHBORS ( HOUSE IS BEING NEGLECTED BY THEM ), REALTOR HER TIME AND MONEY, AND MUNICIPALITIES. PLEASE HELP US THIS IS SO UNFAIR AND PAINFUL TO US. HOME PHONE NO. XXXX OR CELL XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I contacted Pentagon Federal Credit Union to inquire about products and services. After establishing an account, I called back that same evening to apply for an Auto Loan. When applying for the auto loan with the second representative, he offered and and asked if I wanted some type of insurance product that would take care of payments in the event that I was injured/etc. What I found EXTREMELY disturbing is that fact that the rep asked if I had been diagnosed with XXXX, an XXXX, or XXXX. That is confidential and personal information. No customer service representative should be qualified to ask for that information. No customer service representative should be privy to a customer 's name and potential XXXX, and/or XXXX status. In addition to this, this is discriminatory lending practices. This is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Western Portfolio Assets
State: NY

Complaint narrative:
This collector, Western Portfolio Assets, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Amegy Bank sued me in the XXXX County Civil Court ( XXXX, TX ), Case No : XXXX, over a {$25000.00}, Bus. Visa, I did not owe for two ( 2 ) years. I reported the ID Theft to the XXXX Police Department, ( i.e. Incident number- XXXX, on XXXX/XXXX/XXXX. When Amegy Bank deposed me in XX/XX/XXXX, their attorney, XXXX XXXX XXXX, XXXX. admitted I did not do it. ( i.e. contracted with Amegy Bank for the Bus. {$25000.00} Visa credit card. ) XXXX XXXX XXXX continued to illegally & unlawfully prosecute me without any factual basis until he and the Court signed the order for dismissal on XXXX/XXXX/XXXX. Based on the record, the handwriting expert said 100 % that it was not my signature. Amegy Bank and the Court dismissed the civil suit on XXXX/XXXX/XXXX, after illegally & unlawfully prosecuting me since XXXX/XXXX/XXXX, when Amegy Bank filed suit. Based on the record, there was never, ever any evidence against XXXX XXXX XXXX. ( i.e. me ). Based on the record Amegy Bank violated all laws of the United States, including but not limited to the Fair Credit Reporting Act, and the Texas Debt Collection ACt. I filed a " RICO '' lawsuit against them on XXXX/XXXX/XXXX, in the USDC- So. Dist of TX ( XXXX ), Case number- XXXX, for their " illegal & unlawful '' prosecution and all their partners in crime too.

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 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
We purchased a home in XXXX 2006. We had one mortgage on the home, however, over the past 8yrs, we have been receiving calls from collection agencies stating that they were collecting for a second mortgage. The debt has been transferred to different collectors while we have been trying to sell this home without success. We were able to confirm with the first debt collector that this was n't a second mortgage, but then they sold the debt, and now we are back at square one. I was advised file a complaint to take a look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed account # XXXX with PINNACLE LLC/RESURGENT on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. PINNACLE LLC/RESURGENT failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from XXXX, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: MRS BPO, LLC
State: CA

Complaint narrative:
The original creditor of this debt is XXXX XXXX that was notified back in XXXX 2012 of a chapter XXXX filling and sold this debt to MRS ASSOCIATES INC. XXXX XXXX NJ.I spoke with this company directly back XX/XX/XXXX and gave them all the required information such as XXXX XXXX knows that I 'm under a chapter XXXX, .MRS associates Inc tried to put a collection on my XXXX report and it was removed.I received a credit alert from my XXXX report that says this same company has reported a collection.This company is jumping from one company to another reporting this as an open collection and it is not.This matter needs to be addressed regarding tactics being used by debt collectors.This company was notified that the original Creditor was informed back in 2012 of the chapter XXXX bankruptcy and I do n't know why they are jumping from credit agency to credit agency

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 2015-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Oracle Financial Group LLC.
State: MD

Complaint narrative:
This company called my parents asking for me. They asked personal information like where I live, where I work, etc. My parents refused the information and the man on the phone threatened that he will find me sooner or later and that I am being served papers due to an unpaid debt. 

He would not give information about the debt, would not give his company name, and only gave a very generic name, " XXXX XXXX ''. 

I do not currently have any debts that are within the Statute of Limitations in the state of Maryland. 

The man on the phone also stated that he will send the summons to my home or place of employment. He stated that it would be very embarrassing to send to my employment so I should contact him as soon as possible to provide the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
On Thursday, XXXX XXXX, 2016 @ XXXX, I received a call on my mobile phone from blocked number from a XXXX XXXX XXXX stating that he was calling from the XXXX XXXX Clerks office. He said that if I did not respond I would be served legal paperwork by a uniformed officer the next day. He referenced a phone number and an account number. The phone number was XXXX. I tried calling the number back and I received a message saying that the number was n't valid. After making another attempt to call on my cell phone I was connected to XXXX. XXXX saying that they were contacting regarding an old credit card that was originally taken out through Continental Finance. They said that there was a XXXX complaint in effect and that they papers were going to be served. After first speaking with XXXX XXXX and then to a XXXX XXXX XXXX, who was stated that he was in the legal department, they were wondering how I would repay the debt. They named off several numbers ranging from {$430.00} to {$3800.00}. They aid they would give me 72 hours to think about how I was going to pay the amount. They have also called and harassed several of my relatives giving the same story. I asked XXXX XXXX about XXXX XXXX and said that he posed as a person calling from the XXXX County Clerks office and all he said was that it was strange. He did admit that XXXX XXXX XXXX does work for their company but not in his department. I have a recording of the original message where XXXX XXXX XXXX stating that he is with the XXXX County Clerks office.

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