vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Eagle Recovery Associates, Inc.
State: MI

Complaint narrative:
On Friday, XX/XX/XXXX, XXXX XXXX of Eagle Recovery Services ( XXXX ) called me aggressively demanding my banking information to settle a debt they were handling in regards to the Emergency Physician 's Bill from XX/XX/XXXX when I went to the Emergency Room at XXXX Hospital in XXXX, MI. XXXX XXXX continued to threaten that if I did not settle the full amount of {$400.00} that they would " pursue legal action ''. XXXX refused to express what actions were considered as " legal action '' and made it very difficult to get information regarding the debt. I asked XXXX times where the debt was incurred and who the debt was owed to. After expressing, " it should n't be this hard-you should not be this difficult because this debt is from XX/XX/XXXX, you need to give me your routing and account number '' he reluctantly gave me the contact info for XXXX XXXX and his office. He refused to give me his official title, the times and dates of contact, and the location of Eagle Recovery Services. I called him again today, Wednesday, XXXX XXXX to set up a payment plan to settle the debt and he stated that that was not an option because the company that issued it demands that it be paid by XXXX XXXX or they will pursue legal action. He refused to accommodate me in setting up payments to settle the debt. I then asked again what legal action entailed, he stated " I am not a lawyer, I can not give you that information, you just have to pay it by the XXXX or they will pursue legal action ''. He continued to be very aggressive as I asked him what would happen if I requested to stop the payment and responded, " then they will pursue legal action ''. I expressed that I was highly dissatisfied with how this situation has been handled. He has repeatedly retorted that I had been contacted XXXX times regarding this account. I have not received a letter regarding this account. When the agency called, the caller ID showed " restricted '' and they did not leave voice mails and if they did they were very vague and I do not recognize them in it. Today, I again asked XXXX XXXX for the times of contact. He stated that the Eagle Recovery Service mailed a letter on XXXX XXXX and XX/XX/XXXX. He further stated that they called on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX XXXX refused to give the dates that the company that reported the debt contacted me. If I was properly notified of this debt and how to dispute it or resolve it, I would have settled it at an earlier date. I feel extremely threatened and upset regarding this matter. Because I am scared of legal pursuits that XXXX XXXX threatened me with, a payment of {$400.00} ( more than half of my monthly income as a student ) will come out of my XXXX account tomorrow, XX/XX/XXXX, after XXXX XXXX demanded and coerced that I give him said routing and account information. I did notify XXXX XXXX that I would be filing this complaint today.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This account is not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp
State: CO

Complaint narrative:
Lender was unable to explain how their APR ( Annual Percentage Rate ) was calculated on my new loan. The Lender 's website Help section does not provide this information so I contacted customer service. When speaking to two levels of customer service, agents did not completely understand what APR was ( and how it differed from the loan interest rate ) nor what calculation I was requesting. After approximately twenty minutes, I was ultimately told, " We are not qualified to give you that calculation '' and " We do not have that information and there is no one we know of here that would. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAM National Arbitration and Mediation
State: OH

Complaint narrative:
Asked repeatedly for debt validation and never received anything in the mail. This is a collection agency ( NAM ) who calls repeatedly asking for money to pay on an old XXXX loan. I am a XXXX. I have been on a XXXX way call trying to get the company to send the client debt validation information. The client has asked repeatedly herself for information in the mail stating money owed and where to send money. She has never received anything from this company.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: NAM National Arbitration and Mediation
State: IL

Complaint narrative:
An individual claiming to be " XXXX XXXX '' called my home voicemail saying he was an " independent process server. '' He claimed that there is a case against a person who is not me ( XXXX XXXX ) and he was calling to serve papers. He had a whole script about how he would show up at the home of XXXX XXXX and then go to her work to serve the papers. He left a case number. I am a paralegal, so I looked up to see if there was a debt collection case against XXXX XXXX in XXXX XXXX XXXX, XXXX. There is n't. There also is no process server in XXXX named " XXXX XXXX. '' I contacted this company at the phone number they left ( XXXX ). I asked the name of the company that called and a rude individual told me that it was called " ADR '' in XXXX, XXXX, but would not further identify himself or his employer. I told him about the voicemail, that I was not XXXX XXXX and did not know XXXX XXXX. I also told him that " XXXX XXXX '' was not a process server in XXXX and that there is no case against XXXX XXXX in XXXX XXXX County, XXXX. He told me that I must know everything and hung up on me. 

This company is calling people claiming to be process servers in XXXX and they clearly are not.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Commercial Recovery Systems
State: MA

Complaint narrative:
Today, XXXX XXXX 2016 my mother received a phone call from a woman calling herself XXXX and refusing to disclose where she worked. She stated that I was being sued and paperwork was submitted to XXXX XXXX and that I needed to obtain legal counsel. Later this afternoon a person I went to high school with named XXXX XXXX, who I have n't spoken to in 8 years received a voicemail from the same woman, mispronouncing XXXX XXXX and telling him that I, XXXX XXXX, was being sued by XXXX XXXX. 

In XXXX cases she left no information regarding why legal action was being taken against me, but disclosed to arbitrary individuals that I was being sued and needed an attorney. In XXXX cases I was contacted by worried friends and family concerned that I was being arrested. 

I have no knowledge of any outstanding debts, and in fact just purchased a car which required very detailed analysis of my current credit report. The woman left no information regarding who she worked for. Upon XXXX searching the phone numbers provided, it became clear the calls were placed by " Commercial Recovery Systems '' ( phone numbers given were XXXX and XXXX ). I have no idea how many other old contacts they may have defamed my name to. 

After reading XXXX it became clear that they 've been known to do this extensively and unendingly.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
This loan is in foreclosure, and the homeowner had successfully completed a HAMP Trial Plan with the servicer XXXX, making her 3rd payment on XX/XX/XXXX. The servicer then changed to Caliber. On XX/XX/XXXX we received the permanent HAMP modification, however, while the trial payments were for {$1400.00} per month, the permanent mod payments in the first version of the modification we received were for {$1900.00} per month. We pointed the discrepancy out to Caliber 's attorney on XX/XX/XXXX. Three weeks later we received the revised modification agreement with the corrected monthly payment, on XX/XX/XXXX. The agreement stated that it was to be returned by XX/XX/XXXX, essentially giving us just one business day, which was the Friday before XXXX. XXXX was out of town for the holidays and we sought clarification regarding an ambiguous instruction on the modification, for which we received clarification on XX/XX/XXXX. We sent the signed, notarized agreement out that same day ( XX/XX/XXXX ) and Caliber acknowledged receipt the next day. Nearly four weeks later, on XX/XX/XXXX, we were notified that the date was missing on the signature page of the agreement, and that we should re-sign and re-send. Four business days later, on XX/XX/XXXX we sought clarification as to where to send the corrected modification. Caliber 's attorney replied that same day and the corrected modification was sent out the next day. Caliber acknowledged receipt of the corrected modification on XX/XX/XXXX, just four days after Caliber 's attorneys provided clarification as to where to send it. On XX/XX/XXXX, we were informed by email from Caliber 's attorney that the modification was cancelled because the homeowner " failed to execute and return the agreement ''. Caliber 's attorneys also stated that HAMP would no longer be available to the homeowner We believe that timeline speaks for itself. The initial delay was primarily caused by Caliber incorrectly calculating the initial final modification, which they then had to revise. Subsequently, it took Caliber nearly a month to inform us of the missing date and the need to re-execute, which we did promptly. Punishing the borrower for this delay by revoking the HAMP modification and taking the position that it is no longer available is completely unfair. Please help us with this matter, the borrower is terrified that she is going to lose her home. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: MRS BPO, LLC
State: KY

Complaint narrative:
In XXXX of 2016 prior to the XXXX XXXX due date, I suspended all lines of my prepaid XXXX service using the online suspension option through the 'My Account ' on XXXX XXXX website. A few days later I entered the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX to confirm the disconnect of my prepaid XXXX service with the representative there and explained my reason for the disconnect. It was of mutual understanding that though I was ending my relationship with XXXX that I would indeed submit payment in full for the current phones once the final bill for said phones arrived in the mail. 
In XXXX 2016 when I received a past due bill for services never used, I consulted a XXXX representative via chat on the XXXX website. I was told then that the account would be taken care of and again I would receive a bill for the phones only, which I repeated my understanding for and would submit payment in full for the phones once the adjustments were made. 
In XXXX 2016, I received a call from a XXXX billing representative about the past due bill, which has yet to be adjusted properly. At that time, we had a conversation regarding the fact that my XXXX account was always a prepaid account and that I would not be submitting this payment for the months of XXXX and XXXX considering I had, 1 ) Suspended the phones online AND requested a disconnection in person at the store at and 2 ) did not use my prepaid lines during the XXXX and XXXX prepaid billing cycle that unbeknownst to me were never disconnected by XXXX as I had requested to be done, twice. The CSR that I spoke to that day acknowledged that my account was prepaid, acknowledged the fact that I had cancelled, and told me at that time I would be sent a bill for the phones ( which I agreed that I owed that {$250.00} ), and that the existing charge would be adjusted to reflect the amount for the phones only. 

XXXX and its creditors continue to harass me via phone, my wife 's phone, and by postal mail. I have sent numerous letters to dispute the charge, the reason for the dispute, and the acknowledgement of my owing {$250.00} for the phones. They have yet to acknowledge in wrong doing and refuse to adjust the bill to reflect only the charge for the phones.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Accounts Service, Inc. (Indiana)
State: IN

Complaint narrative:
Professional Account Services, Inc. called me today, tried to get my bank account information to collect a debt. I knew I owed medical bills but I got a website from them to pay on because I do n't trust phone calls. I pay the bill online but the invoice does n't say anything about what it was for. When I call back to give them the transaction ID number for the payment they said that the debt was for XXXX ambulance rides totaling {$4700.00}, they said {$1000.00} something for XXXX and {$3000.00} something for the other one. I said ok, but when I got home I noticed that those ambulance rides only totaled to {$3300.00}. I called the original debt owner, the ambulance service, and they said that the collection agency charges an additional 40 % for themselves. I go to my bank to try to cancel the payment until I can talk to my lawyer. I could n't stop it because it was pending. I call Professional Account Services, Inc. to ask them if I had to pay the extra XXXX %. They said yes. I told them that when I talked to them earlier they misrepresented what I was paying by saying that I was paying it all to the ambulance service. They said they did n't have to tell me added on fees unless I asked, but I believed there was no reason to ask because they quoted the money going to the ambulance service bill, plus they were talking about taking me to court, plus I trusted the website which also told me nothing. Now I have to wait until Monday or Tuesday to see if I can cancel the payment through them until I can at least get everything in writing or talk to my lawyers, who are also closed until Monday or Tuesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: DE

Complaint narrative:
My VW Credit auto loan for my XXXX was paid in full as part of the VW diesel scandal buyback program. My car was turned into a dealership on XXXX XXXX. I was told to expect a refund in the amount of approximately {$450.00} XXXX ( the difference between the amount of the buyback and what I owed on the loan ). After not receiving the refund, I contacted VW on approximately XXXX. I learned the amount I would be refunded changed to approximately ~ {$200.00}. I questioned the amount, and was told by the agent that VW actually owed me a few dollars more than the initial check was written for. The agent told me a check for the additional amount would be issued. She also offered to reissue a check for the amount of the missing check, or I could wait a few more days. I opted to wait a few more days. At that time I informed VW that I had recently moved and provided my new address. Still having not received my refund, I called VW today XXXX. I spoke with XXXX different agents. All who told me I was owed different amounts ... ~ {$450.00}, XXXX {$400.00}, XXXX {$200.00} AND that they can not reissue the check because I have to wait 30 days. I 'm frustrated because they supposedly sent a check for the incorrect amount and I have to wait longer for them to reissue a check for the correct amount. I have no idea how long it will take to receive the new check once they reissue it because I ca n't seem to get a straight, consistent answer from VW. Given their reputation of taking advantage of consumers, I believe they should be working to improve their reputation not give us more of a run around. I wasted ~90 minutes of my time today attempting to get the money that is owed to me, or at least a consistent answer about the amount owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I was marketed by Caliber Home Loans via a letter. I applied for the refinance of my home with Caliber Home Loans, only after they assured me that a prior Chapter & BK and included foreclosure would not be an issue. I was charged for an appraisal an we supplied all of the requested documentation to process the loan. 
We are then told that they could not approve the loan based on the BK and Foreclosure. When I mentioned the statement from the loan officer XXXX that she had received written permission regarding this, then the issue of disputes on our credit report were brought up. I requested that information so we could correct those inaccuracies on our credit report. I was told that it would be sent and it was not. 
Now I am told the the Fanny Mae DU system did not accept our loan file. I believe this to not be true and also feel this process of obtaining a XXXX DU finding would have be done in advance of ordering an appraisal. 
I feel that our loan file was not processed in a manner to protect us from un-necessary charges of the appraisal fee and I do request an immediate refund of this expense. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have applied 3 times and denied 3 times for a loan modification. Each time, the process has taken 6-8 months. I have been working XXXX jobs to try and save my home. The last denial I was told that I made enough but was too far in the arrears. I have sold my house 3 times. 2 out of the 3 times the buyer has pulled out because the short sale process was taking way too long ( we are all aware that it is a longer process ). I truly believe that Ocwen drags out the process - at least in the loan mods - so that you get so far in the arrears, nothing can be done. You speak to a different agent each time. One agent ca n't seam to find documents another agent has received. They are constantly saying that they do n't have documents when we have proof they were sent ( ask my Realtor! ) and they wait for your next phone appointment to tell you what 's needed instead of sending an email beforehand so you can have what 's needed at the next phone appt. I could have been paying something for the last couple of years. My house needs some work which I wo n't do because of the short sale. It 's an emotional roller coaster for me because I have been in limbo forever. They assign you a " Relationship '' manager but you get them maybe 1 out of 7 phone calls.I have been to every NJ State agency, Senators, written to the White House but to no avail. Would n't some payment be better than nothing? This is not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: R J Baucum Enterprises, Inc.
State: CA

Complaint narrative:
I have received XXXX voicemails from this company. In XXXX calls, they impersonated an attorney and law enforcement and also indicated that I had committed a crime. They said that the person calling me was an " arbitrator '' and that I had been named " a person of interest in an ongoing investigation. '' The caller also stated XXXX times that my " recorded verbal testimony '' was required in order for the investigation to proceed. In XXXX call, I was also told that if I did not respond soon, the investigation would go on without my input. I would also like to state that the caller has never identified for whom they are calling. If they are calling for me, I do not have any accounts in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
State Farm has been refusing to remove PMI from our mortgage. We are now below 78 % and they continue to require it. They are not honoring the Homeowner 's Protection Act of XX/XX/1998 which requires automatic cancellation on the first day of the first month of achieving a 78 % LTV Loan to Value ratio. 
There are no limiting factors applicable in our case, such as late payments, the loan is current, the property has been improved with other structures so there is no concern regard devaluation. 
They are refusing because they can. There is no justification. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I spoke to a representative and she told me although I was 2 payments past due & committing to paying 1 payment per month on my account until I was able to catch up I would still be reviewed for repossession. I also keeping getting voicemail messages from the representative stating although I have arrangements I am being reviewed for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Zakheim Law Group, P.A.
State: FL

Complaint narrative:
I contacted zakheim law group concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.

Company response to consumer: Closed with explanation