vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I leased an apartment for my daughter last year on a one year lease term. She had been in good standing until the end of her lease which ended XXXX/XXXX/2015. She had called the front office and gave a verbal notice that she would vacate after a one month extended stay to XXXX/XXXX/2015. 
My daughter had failed to deliver her apartment keys until XXXX/XXXX/2015 which incurred subsequent charges due to the front office personnel not communicating with the bookkeeping personnel and was informed that they unable to enter the apartment until that time. As is evident on the move out form the initial date had been crossed out and altered which is fraudulent information submitted and not vetted by the collection agency, I feel that the apartment personnel knew of her move out date and could have entered the apartment at that time and were overzealous in their charges. 
I understand that it was my responsibility to have given written notice to vacate, but due to extenuating circumstances with my health which culminated in XXXX in XX/XX/XXXX, it was not high on my list of priorities at that time. I am a XXXX with limited income and was seeking some relief and resolution of this charge by writing the parent company of these apartments, to no avail since they have not responded to either of my letters. 
I have enclosed a copy of the bill with the disputed charges highlighted. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I settled an auto repossession debt from 2010 ( i gave the car back because it stopped working because it was a flood damaged vehicle from Hurricane XXXX ). I paid the settlement amount to Credit Acceptance and they acknowledged receipt, and that the debt has been settled. The problem is I am trying to purchase a home and I need to have my credit report updated ASAP to reflect this information and Credit Accept refuses to release the information to XXXX XXXX. Despite the fact that I have authorized them to release the information. Every time XXXX calls them they refuse to release the info and I am told by the credit report people that Credit Accept is refusing to respond to electronic requests to update the information. This does not seem fair especially in light of the fact that the automobile was defective in the first place, and they said they would accept the car back to satisfy the debt ( but then they wound up putting a collection on my credit report ). When i call Credit Acceptance to complain they say they will cooperate with XXXX, but when XXXX calls they refuse to cooperate. I feel that Credit Acceptance is acting in bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: CO

Complaint narrative:
RMS XXXX XXXX, Oh XXXX has been sending me over XXXX bills for services done and paid for by my son at his home at on XX/XX/XXXX Work was preformed by XXXX order number XXXX It was paid for on the same date on his XXXX card ending in account number XXXX ; Paid in FULL for the amount of {$89.00}. 

On XX/XX/XXXX they acknowledged in writing via email the debt was paid and stated case would be closed. See Below Date : XX/XX/XXXX at XXXX PM MST To : " XXXX XXXX Subject : RE : claim No : XXXX Ref No : XXXX Dear XXXX This is to acknowledge the receipt of your email. Please be advised that we have closed the account in our office today, XX/XX/XXXX, and you will no longer receive any collection activities from us towards the account. We would also like to inform you that we do not report these claims to the Credit Bureaus. 

We regret the inconvenience this may have caused you. Please let us know if you have any questions. 

Thank you. 

XXXX RMS XXXX XXXX XXXX On XXXX they sent me another collection notice for the debt again. I consider this Harassment and they need to stop trying to collect a debt That was for my son but also paid in full. 



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 non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resolute Credit, LLC
State: CT

Complaint narrative:
I had a credit card opened in XXXX with XXXX, XXXX after I was married to my husband in XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a 2nd mortgage in XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on worker 's compensation since XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XXXX, that 's 13 years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX XXXX XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement 2 months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to College in XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX XXXX Bank ) should have been able to protect my money with my Divorce Decree on File as well as my Worker 's Compensation Check. They should have marked my account as Protected!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
I have American Financial Resources Inc ( AFR ). as the mortgage company, with XXXX as the servicing company. The company charged a late fee based on when the check cleared my bank. The payment is due by the XXXX of the month and was received by the bank on the XXXX. It cleared the bank on XX/XX/2015. I called and spoke to the AFR and they credited me the late fee. My regular payment is {$1700.00}. I made the payment due as indicated on the XX/XX/XXXX statement of {$1800.00} ( {$1700.00} + XXXX for late payment ). In XX/XX/XXXX the amount due was {$1600.00} per the statement which reflected the late payment credit for {$62.00}. I sent a Payment of {$1600.00}. Now in XX/XX/XXXX, AFR charged me a late fee of {$64.00} for paying the statement balance of {$1600.00} in place of the regular payment of {$1700.00}!!! I paid what the statement showed as payment due and I got charged another late fee for not sending in the regular payment. 

My Complaint : 1. Per the AFR XXXX XXXX supervisor ( XXXX XXXX ), they will charge me late fee based on when the check is cashed by them and not when the payment is due. SO if my payment is received by them on XX/XX/XXXX and clears my bank on XX/XX/XXXX, they will charge me a late fee because the cleared on XX/XX/XXXX. This is a violation of the terms of contract which state the payment receipt is due by XX/XX/XXXX. 

2. For making the payment as stated on the statement as minimum payment due, AFR charged a late fee stating the charge is due to me not sending the regular payment due. I paid what the statement asked for and still got charged a late fee for sending partial payment!! 

American Financial Resources and XXXX are making their own rules and charging fees that are not legal. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I paid this loan on XX/XX/XXXX. The company updated my reports as paid an it was reflecting correctly. I got a notification on several of my credit reports that it was re added to my credit report as a XXXX account. This dropped my score XXXX points which is unacceptable. I called the store to see if the could fix it before I did an compliant and she could not which is ridiculous. This is against the law you annoy re add at debt after it has been paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
I was not told up front the cost of this treatment I told the company I did not have insurance and they made me think it would be covered under XXXX. I was referred here by the hospital and never told cost up front and the bill could not be covered under XXXX XXXX I never received a right to dispute letter from the collection company after it was sent to collection and they are collecting almost twice the amount due after today I called the medical company to find out how much the company charged me for tests they failed to reveal the cost of. Creditors collection is asking for XXXX the total XXXX gave me today was 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 2017-01-22 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Credit Acceptance has continued to try and collect on an account that I was told by a representative from their company that I was no longer responsible for. Upon receiving correspondance from another representative from this company, they try to act as if now they never told me that I would no longer be responsible for the balance owed after I returned the car. They have also been engaging in some unethical practices such as removing the entire balance that I do not owe after I disputed this account and then went back and changed the amount owed to {$3700.00}. If i was verbally told that the balance would be forgiven I feel it is very unethical for them to now go back on their word and try to recollect this money. I also do not appreciate the fact that after disputing this account, they reported the balance as {$XXXX}, and then went back and reported the balance as {$3700.00} as well as reporting several late payments, a repossession status and adding derogatory marks to my credit report and causing a large drop in my credit score. This is an example of them reporting incorrect information which is grounds for removal of this account. This car was voluntarily returned to them by me, so them changing the status to " in repossession '' is them lying. I believe that they are doing this to be spiteful and retaliate for me filing a complaint and I would like them to stop reporting this negative account to my credit profiles. I have attached a picture that I took from my credit profile showing that the account balance was reporting as {$XXXX} and then they went back and began reporting it again as {$3700.00}, which I know is illegally reporting inaccurate information and I want this account removed. By law, they are required to remove this account and I will hire an attorney if I need to.

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 2015-03-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
XXXX continues to collect and litigate despite dispute as to liability in violation of the CFPB 's Join Consent Order against XXXX ( FDIC-XXXX, FDIC XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Professional Debt to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation
State: AZ

Complaint narrative:
I am a XXXX year old grandma. In XXXX I was accepted for a XXXX loan which they said I could pay back in 2 years. My husband is XXXX with no medical insurance. I needed to get him some help. We are already XXXX in debt to medical with one income. I was desperate for my husband to at least get some medicine and he is also XXXX. I was led to believe that I would pay XXXX a month for 2 years. That was a lot but I could scrape it up because my I needed this loan for my husband. Come to find out it was XXXX a month which meant after 2 years on a XXXX loan I would pay back XXXX plus back. I could not do this. That is 220 percent and the loan did not say oay day loan because I would of know not to do this. I have no where to turn. Everyone I talked to asked if this percentage is legal. I did not know but we can not pay this back at this obscene rate. It is called Q credit and is funded by Rosebud XXXX XXXX XXXX. I guess this is all my fault but I never dreamed this loan would of caused me so much XXXX. On top of the critical condition of my husband and finances I am at a loss. I guess I am just an ignorant old lady. The offere came in the mail and I was desperate. I was told to call the Attorney Generals office and then Channel XXXX where they help people like me. I hope this company does not hurt anyone else. I made them stop charging my account at least as far as I know. I am really scared. I do not know what to do or where to go. I took the loan out for XXXX and paid XXXX. Now my balance is XXXX. When I talked to them about it they said " Well sure that is the interest ''. I told them I could not do this. They will be contacting me soon and I do not know what to do. My name is XXXX XXXX. I live in XXXX Arizona. My email is XXXXXXXXXXXX and my number is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX for assisted living. I just needed someone to know so that no one else gets hurt by this company. I heard that XXXX on your side could maybe help to. Thank you for your time. XXXX 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 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I closed on my loan last year and escrowed for taxes and insurance- I have repeatedly submitted a copy of my HUD 1 and Initial Escrow Account Disclosure statement which clearly identifies that my account was set up with escrows for both taxes and insurance. I had to submit the documentation several times and Ocwen refuses to acknowledge that I am escrowing for insurance as well as taxes.

Company response to consumer: Closed
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
After purchasing my home in XXXX of 2012 for a purchase price of {$230000.00} and an appraised value of {$250000.00} it was noted in writing that PMI would be dropped after XXXX percent of the purchase price was paid with a certificate of value showing the home had maintained it 's value, or automatically after XXXX percent of the originally purchased price was paid. 
I paid off XXXX percent of the purchase price and obtained a certificate of value, but unfortunately the certificate was prepared by the bank and it shows that my home is now worth only {$210000.00}. This can not be true since all homes in my community have increased in value since 2012, and the recent tax assessment of my home is {$300000.00}. I therefore believe the bank is showing a low value simply to prevent my payment from being reduced. My mortgage banker is Coldwell Banker Mortgage. I have attached a copy of my latest tax assessment for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
XXXX has referred me to collections for an amount that has been paid since XXXX 2015. This has been the second time it has happen. the first time I contacted XXXX management, they took care of the problem by adding a credit. Now the fee is showing up again as a debit and they stated that it was because XXXX has extracted the money. I then contacted XXXX and they have no record of this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: New Mexico Educational Assistance Foundation
State: OK

Complaint narrative:
I became unemployed XX/XX/2015. I submitted a request for forbearance due to unemployment TWICE, once XX/XX/2015 and once again XX/XX/XXXX. Both times I printed out the forms downloaded DIRECTLY from their website! : XXXX I sent these XXXX forms and I also sent a letter stating my circumstances to them. They are claiming they have no knowledge of anything and are refusing to do anything with my student loan. All other loan holders have put me into forbearance. These people are the most incompetent and ridiculous people I have ever seen. TWICE I have submitted the correct forms to them and they claim they do not have them. I am exhausted from trying to deal with them. I have also explained the situation several times to one of their operators over the phone. Still they refuse to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MD

Complaint narrative:
My recent credit report showed a collection account from XXXX. I reached out to XXXX and filed a complaint and provided evidence that the account was settled in full. XXXX responded and indicated that the cancelled checks payable to XXXX were endorsed by NCO Financial and XXXX was never paid ; hence, the collection. Please see attachments of cancelled checks and correspondence from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: VT

Complaint narrative:
My home mortgage service company changed from XXXX to PHH Mortgage. I have a 60 day window to make payments. 
I received written notification of the change. I have been unable to set up an online account, after 4 attempts, taking at least one hour each. The website has confusing instructions and does not function. 
Neither Customer service or IT service are able to assist me. 
I am not sure these people are capable of managing my loan. I do not want this to have a negative impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Midwest Acceptance Corporation is trying to recharge me for a car loan that has already been paid off. I appeared in court twice specking with Midwest Acceptance Attorney 's and showed proof that the car loan was paid off and I no longer owe them. However, I have another court date about this matter on XXXX XXXX, XXXX. Enclosed is a copy and proof that Midwest Acceptance Corp. no longer has a Lien on the XXXX Ford. Here we see that the names on the acceptance letter. They noted that the interest on the XXXX Ford was satisfied as of XXXX/XXXX/XXXX they also released us the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
Phone number XXXX keeps calling my home and leaving the following message : " We have an important message from Independent Recovery Resources, Incorporated. This is a call from a debt collector. Please call XXXX. '' When you call the provided number, it gives you their contact information ( IRR, Inc. XXXX XXXX NY XXXX ; irrcollect.com ) the option ( press 3 ) to enter in your phone number if the debt does not belong to you. I have submitted this information and I continue to get the calls.

Company response to consumer: Closed