vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-27 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I rented a condo from a rental management company, XXXX XXXX XXXX XXXX. After moving out when the lease ended I noticed they placed a large debt on my credit for {$5700.00}. I have no idea why or what it 's for. I 've emailed the rental management company ( XXXX XXXX, the owner ) twice and both times she responded it was an error, that it would be corrected. I 've disputed several times to credit report agency with not results. I do not owe this and the management company never answers my calls or requests. The owners of the unit ( investors ) XXXX XXXX XXXX will not respond either. I will say this, while I lived in that condo their accounting was terrible. They 'd place late notices on my door when the rent was already paid. I 'd call and it would take days for them to get back to me and verify they located the rent I 'd sent. Now this. This is not my debt. I have a copy of the rental lease, the correspondence between myself and XXXX XXXX, the rental agent that managed the property and the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I owe them money from a loan and I am unable to pay the past due and current amount due. I asked to set up a payment arrangement and they told me I could only do that if I became current, which makes no sense. They have also left a note at my house where they came by. They call repeatedly throughout the day on my cell phone, work phone and my moms home phone. 

I have sent a letter asking them to stop calling and to not come to my house. So far they have yet to stop calling. I asked that they send me another set of the loan agreement as I misplaced mine and to only contact me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 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: USCB Corporation
State: GA

Complaint narrative:
This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

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
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I had co-signed a loan for a XXXX XXXX in 2012 for a friend. I am the make because my credit was more impressive than hers. She fell behind on her payments as she no longer could afford the almost XXXX dollars a month payment. This is falling back on me. My account is currently on my credit report showing that it is in collections. I am currently on social security and XXXX which stops them from collecting anything from me and I was receiving when I signed off on the loan.They send me letters from time to time. I do not want this to backfire on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I previously held an American Express Blue card ( " Blue Card '' ). I cancelled the Blue Card on or around XXXX XXXX. I also hold an American Express Corporate Card ( " Corporate Card '' ) through my employer. On two separate occasions, in XXXX XXXX and now XXXX XXXX, I have been charged the Corporate Card American Express Membership Rewards Renewal Fee on my closed Blue Card. When I have called American Express to resolve, it is explained to me that there is a " link '' between the Corporate Card and the Blue Card that is causing this to happen. This is not acceptable. The Card was closed by me and should not be accessible for any reason. Additionally, this charge shows up under the closed Blue Card account on my respective credit reports, which can negatively impact my credit. I respectively demand that AMEX dentify how my Corporate Card is still linked to the Card and remedy the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: USCB Corporation
State: TX

Complaint narrative:
there calling useding a XXXX phone number with no name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
XXXX XXXX deleted a car loan, a good account, without confirmation from me. It is a good account. I would like the account put back on my CREDIT REPORT

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 2015-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
In XXXX 2015, I received a notice from a company named XXXX XXXX XXXX XXXX stating that I owed a debt to eBay. I called this company and also eBay and reported that I do not owe this debt as I had never sold anything on eBay. I also reported this to the local police as a case of potential stolen identity. In XXXX I received an email from eBay claiming they were reviewing this claim. 
On XXXX XXXX, 2015 I received a letter from another company named XXXX XXXX XXXX claiming I still owed eBay a debt. Apparently eBay allowed someone to link to my account without proper verification and now wants me to pay for their incompetence. 
I have already spent a great deal of my time attempting to resolve this issue. With my personal time and cost of consulting my attorney, this has cost me over XXXX times the amount that is claimed that I owe ( {$89.00} ). 
This has become quite an ordeal as well as generating a great deal of stress on me and my family. I am physically ill and I am concerned that this will adversely affect my excellent credit score ( + XXXX ) that I have spent a lifetime maintaining. 
I have attempted to describe this situation as briefly as possible. I have spoken with the debt collector, eBay and Pay Pal. I have also spent time making police reports, consulting with an attorney and responding to emails from eBay. I believe that they are purposefully attempting to " beat me into the ground '' in their attempt to collect a debt that is not mine. I have also spent time researching this and discovered that anyone can link to your eBay account without appropriate identification. I am shocked that a company such as this operates in this manner. They also do not cooperate with police agencies as they have thrown many bureaucratic hurdles in front of the investigating officer. 
Thank you for reviewing this complaint. I believe it is a microcosm of a much larger and systematic pattern of illegal practices by eBay. Most people probably pay rather than deal with this abuse.

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 non-monetary relief
Consumer complaint received 2016-08-11 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: The Receivable Management Services LLC
State: CT

Complaint narrative:
Collection agency R.M.S. claims to represent XXXX. I have no record of any previous notification from XXXX that I owe them anything. I contacted XXXX twice and they confirmed they have no record on my account of me owing them anything or of them ever contacting R.M.S. for any collection against me.

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 non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I have a payment scheduled for the XXXX of each month with a ACH on file, i called the representative XXXX XXXX yesterday ( XXXX/XXXX/15 ) and asked her why has n't the payment came out of my checking account yet. She states that it may take a few days after the due date to come out, she asked if it does n't come out by Friday XXXX then give us a call back. The representative XXXX XXXX calls me today saying that the payment came back NSF, i asked and asked me if i SPENT THE MONEY. I, then asked her why would i spend the money if i called you yesterday to check on why has n't the money come out of my checking out. i told her she being rude and that i did n't want to speak with her anymore and please put a manager on the phone. XXXX start yelling at me saying that all the managers were " in a meeting '', so i asked her to put another rep on the phone. She stated no i will give the manager a message that you called, i asked her what was her last name and she stated " My name is XXXX with XXXX, i do n't have to give you my last name. I hung up on the rep and called back and spoke with a man ( which he refused to give me his name ) but did provide me with XXXX 's last name ( XXXX ). I explained the situation to him and he transfers me back to XXXX and she tells me that the managers are still " IN A MEETING '', mind you that neither XXXX of them gave me the MINI MIRANDA OR QUALITY ASSURANCE. I spoke with the operation manager XXXX he was very nonchalant about the situation and really did n't care in my opinion. He to did not verify my identity or give me the MINI MIRANDA OR QUALITY ASSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX with over XXXX miles on it from XXXX, a used car dealership located on XXXX in XXXX, NY. It had a high monthly payment, but I needed a car to get to and from a part time XXXX position and was credit was not great so I signed. The beginning of the XXXX month the called stopped on an expressway ... if I did not pull over quickly, I would have been in a horrible accident. 
It was towed by this XXXX and I was told it needed a belt and alternator. They fixed it with no charge to me. Next, I am informed that XXXX went our of business and that XXXX ( located on XXXX, in XXXX., NY was now taking over for them. Now they told me I needed an oil change, some filter, etc and I paid {$160.00} for this since these items were not under warranty.This same thing happened again twice at about 4 months ; car was towed again to the XXXX since they took over for the defunct XXXX. I know it was electrical, but XXXX would not admit to it. Whatever they did to my car and would not admit, the car was OK ... no more stopping and shutting off. By XX/XX/XXXX I needed a new battery and paid over {$200.00} for it. This XXXX has ( 3 ) batteries, 1-in front ; l in the rear ( trunk ) and one running along the undercarriage which I was never informed about. Next by our first storm, I needed tires, all four for this car. By this time, I had this vehicle for about 7 months. 

If I keep this car ( on a 5 year payment plan for $ XXXX ), I would be paying at the end of 5 years, {$16.00}, XXXX for a car which I found out is only worth at max. is {$3300.00} On XX/XX/XXXX, this vehicle was rear ended by a snow plow ... the driver had no insurance for Business Use! Credit Acceptance wanted it fixed by who ever. I will have to take this truck and driver to court.

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 2015-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: ZIONS BANCORPORATION
State: GA

Complaint narrative:
On XX/XX/2016, I attempted to withdraw {$60.00} from a Zions Bank ATM machine located at XXXX XXXX XXXX XXXX, XXXX, UT. During the transaction, the machine malfunctioned and the door closed before I could extract my entire withdrawl. I was able to retrieve a torn {$20.00} bill ; however, {$40.00} went back into the machine and the door closed. I attempted a XXXX transaction immediately following the XXXX for {$20.00} to see if I could get the original {$40.00} to also release from the machine. It did not ; therefore, I was shorted {$40.00}. Later that day, I went into the Zions Bank branch and spoke with the manager. She advised that I would need to file a claim with my bank, XXXX, and ask them to open an investigation. She stated that they would ask Zions to provide an audit report that would show that the machine did not balance the day I attempted my transaction, and that they would be able to issue a refund. On XX/XX/XXXX, I filed the claim with XXXX. They issued a provisional credit and began the investigation. On XX/XX/XXXX I was notified that the ATM owner denied my claim, XXXX was reversing the charge, and the case was closed. I contacted XXXX 's claim department advising them that I was unwilling to accept the outcome, and they advised that I file a rebuttal. I submitted this form on XX/XX/2016. XXXX responded saying that, because I provided no new information pertaining to the case, they were not going to reopen the investigation. I asked them who provided the documentation used to deny the claim and specifically what information was provided. XXXX advised that Zions Bank provided a transaction report showing that the transaction took place. I asked if they also received an audit report, and they stated that the records did not indicate that Zions provided this. A transaction report should never have been accepted as reasonable documentation. I 'm not disputing that the transaction took place. I did attempt to withdraw {$60.00} from a Zions Bank ATM on XX/XX/2016. What I 'm disputing is that I did not receive all of my money from this transaction. Without an audit report that shows that this machine actually balanced on this date, Zions has failed to provide sufficient proof supporting their denial of our claim. Now I 'm short {$40.00} and neither XXXX nor Zions Bank seems to want to pursue the case to a reasonable conclusion.

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 monetary relief
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: SC

Complaint narrative:
EGS Collections, used data mining to find relatives and in laws, and called them, and informed them that I had a civil action against me for bad debts, ( all False ). After I communicated to them ( EGS ) That I had an Attorney, to discontinue calls they continue to call my employer, my wifes employer and her family giving them false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
We are receiving XXXX mortgage statements each month from PHH Mortgage ( Mortgage Service Center ) since the company assumed our home mortgage XXXX XXXX. I called the company XXXX XXXX and was told that they send a monthly notification statement and also generate a statement when they receive a payment. This creates confusion and a potential duplicate payment to be made if XXXX does not pay close attention to the Payment Due Date which are the same date. The statements are identical forms with XXXX showing transaction activity of the last P & I/Escrow payment and the second statement showing no transaction activity. The only significance of the second notice is to identify next payment due date already identified on the previous statement. XXXX statements have same Payment Due Date. I 've paid multiple mortgage companies over the past 30 years and this is the first company that has issued XXXX statements per monthly cycle. Upon speaking to the PHH Mortgage customer service representative they stated that federal law requires them to send a statement when a payment is made. Unless I 'm missing something, the ''Dodd-Frank Wall Street Reform and Consumer Protection Act '' XXXX XXXX XXXX only requires the creditor to notify the mortgagor of the following below. There is no requirement to send a notice upon receipt of payment. A single statement to include last P & I/escrow payment should suffice as sufficient notice. 

SEC. XXXX. DISCLOSURES REQUIRED IN MONTHLY STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. 
Section XXXX of the Truth in Lending Act XXXX XXXX XXXX. XXXX ) is amended by adding at the end the following new subsection : '' ( f ) PERIODIC STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS. -- '' ( XXXX ) IN GENERAL. -- The creditor, assignee, or servicer with respect to any residential mortgage loan shall transmit to the obligor, for each billing cycle, a statement setting forth each of the following items, to the extent applicable, in a conspicuous and prominent manner : '' ( A ) The amount of the principal obligation under the mortgage. 
'' ( B ) The current interest rate in effect for the loan. 
'' ( C ) The date on which the interest rate may next reset or adjust. 
'' ( D ) The amount of any prepayment fee to be charged, if any. 
'' ( E ) A description of any late payment fees. 
'' ( F ) A telephone number and electronic mail address that may be used by the obligor to obtain information regarding the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
During the period of my mortgage with PHH Corporation, force placed insurance charges were fraudulently collected from my account. PHH has been ordered to provide restitution to such borrowers as myself. I have asked PHH for funds to be returned and they are nonresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
XXXX very rude and harassing people at my work a guy named XXXX called random numbers got one of my co workers and asked for me. I agreed to pay XXXX a month and next thing you know they drafted XXXX from my account.

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 monetary relief
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
I received a XXXX from PHH Mortgage Corporate for a charged-off mortgage. The XXXX is inaccurate. Specifially, box # XXXX ( identifiable event code ) is incorrect. Box XXXX current lists " XXXX or Policy to Discontinue Collection '' as the event code. However, this loan was part of my bankruptcy that was filed in XX/XX/XXXX and the home was later foreclosed on. Accordingly, the code should be reported as " A-Bankrupcy. '' The reporting is incorrect and I was unable to correct this by speaking with the customer service represenative, the issue was not able to be resolved. 

Further, there was a recovery of part of the debt due to the foreclosure sale in XX/XX/XXXX. Accordingly, the amount of chargeoff is less than the amount shown since much of the balance was recooperated with the foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
A handwritten letter from another bank customer arrived tucked into official correspondence from the bank. 

The handwritten letter was from my parents who I 've gone to great lengths to severe ties with for safety reasons. The letter addressed a banking request ( they wanted me to remove my name from their safe deposit box ). The letter then included personal questions and information about my children as well as a request to restore contact with them. 

This is a completely unacceptable breech of my privacy. Any request to remove my name from a safe deposit box should have been handled by the bank exclusively.

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 2016-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Credit report shows zero balance for PHH Mortgage Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by PHH that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX XX/XX/2010. Thank you.

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