vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC
State: GA

Complaint narrative:
This company sent me a check in the mail, I never squired about the loan or applied for it. I cashed the check and I contacted the company ( XXXX in XXXX XXXX ) I answered their questions and the first payment was due XX/XX/XXXX2016 and it is XXXX XXXX, 2016. I plan to pay them on pay day XX/XX/XXXX and these people have sent some big bald headed guy in a personal unmarked car to my house every single day for the past 2 weeks, even on Saturday! I am so uncomfortable and I feel they 've trampled on my personal home life by showing up at all times of the day and weekend. Touching my car to see if the engine is hot and looking into my windows and knocking on all my doors. I am a single mom and I am not okay with this! I have every intention of paying them. What makes me more upset is the loan was sent to me, I never once called an applied for a loan in any way shape or form and the XXXX page attached to the check did n't say anything about their communication tactics. It 's really awkward!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
Receivable Management Services has been repeatedly calling from different numbers from across the country, sometimes several times a day. This has been going on for months. I 'm currently looking for a job and need to answer phone calls in case they are businesses interesting in employing me. I 'm spending far too much time talking to these people about collecting an inordinate amount of medical debt on a daily basis. This is greatly impeding my ability to procure work and is negatively impacting my mental and emotional well-being.

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 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
On XX/XX/2017 I received an alert on my credit report that a collection account had been added to my credit reports. I logged into my account to see what the account was. I noticed that Allied Collection Services had placed a collection on my credit reports. I sent a certified letter to Allied Collection Services on XX/XX/2017 for which they signed for on XX/XX/2017. 

In the letter, I requested that Allied send me validation of debt with proof bearing my signature not " verification of debt, '' anyone can look at a computer screen and see a name and say a debt is verified. I would like a copy of my written signature. I received a letter from Allied Collection Services on XX/XX/2017 providing me documents stating that they verified the debt to be mine, however nowhere on the document has my signature. On the document there is an address that I do not recognize as well as I could not locate my bank information. I have banked with XXXX for many years and this has been my sole bank because of my military affiliation. 

In addition, I should not have been made aware of this debt via my credit report. It is the responsibility of the Collection Agency per the FCRA to contact me in writing 30 days prior to placing this account on my credit report and give me a chance to validate or dispute the debt. I was not given this chance and in turn this debt has hurt my credit score, as I have no collection accounts on my credit report. This account being added dropped my score over 40 points. I am very upset by this and would like this rectified immediately. 

I will be seeking damages as outlined in my letter to Allied Collection Services on XX/XX/2017 if this is not fixed immediately.

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 2016-11-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
If payment is late, the company calls every day at least XXXX times a day until payment is made. The company has even called at XXXX to collect debt.

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 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Shortly after we moved out of our apartment, XXXX apartments put a {$500.00} collection on our accounts. We left the apartments in good standing, having paid the last month 's rent prior to moving out. XXXX had also never notified us of any additional amounts owed after we moved out. I managed to come across the collection as an alert had come through on my credit monitoring application. 


Me nor my wife are responsible for anything that happened to the apartment after we turned in our keys. I am requesting a full disclosure and verification of debt on this account. I would really like this matter to be resolved as early as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
After pulling my credit report have reported this matter to Credit Acceptance numerous times and the XXXX Credit Bureaus, I must add that there employees are very condescending and rude. When I would call to make a payment they ask me what made me fall behind ( I am not behind. I am making a payment today i would inform them I have never missed a payment. ) This company reported late payments my whole duration as a customer.

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 2017-01-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Michigan Collection Bureau
State: FL

Complaint narrative:
This company has marked that my account went to collections. However I paid the medical office directly, therefore the collection agency has no right to collect nor do they have a right to place a negative mark on my credit. Additionally, they have violated my rights under HIPPA by accessing my medical information to determine when I saw the physician in question and what was done for my care.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: Eagle Accounts Group, Inc.
State: IN

Complaint narrative:
At one point I did have an account at XXXX XXXX XXXX, but I completed and submitted the correct paperwork to close the membership. At that time, my account was up to date. I should have no charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I refinanced with XXXX Mortgage. XXXX Mortgage then transferred my loan to Nationstar Mortgage. I was not notified of the transfer until after my XXXX 2016 payment was already electronically taken by XXXX Mortgage. XXXX Mortgage contacted me and advised me that my loan was being transferred to Nationstar Mortgage and that I should be receiving a " welcome package '' from Nationstar advising me of the transfer. XXXX Mortgage indicated that since my loan was in the process of being transferred they would be sending the XXXX 2016 payment to Nationstar Mortgage. This did not take place. I was contacted by Nationstar Mortgage advising me that I had not paid XXXX 2016 mortgage. I told them that I did in fact pay XXXX 2016 and it was paid ON TIME. This fiasco has been going on for over a month. Finally ( with the help of XXXX Mortgage representatives only -- nobody from Nationstar would even attempt to help ) the payment was " found '' but I continued to receive notices indicating that my mortgage was past due etc. I have never paid my mortgage late. To add insult to injury a {$12.00} " fee '' was added to my account. I had to argue this over and over again. This whole process has taken over a month, tons of phone calls, emails etc. Finally, today, I receive a return message indicating that Nationstar will " waive '' XXXX TIME a late fee. My payment was not late. Even when the payment was " found '' I was never notified by Nationstar that they had " found '' it ; I had to figure that out on my own by going online to my account. Nationstar Mortgage has been disrespectful, unprofessional, and dishonest throughout this nightmare. In addition, it is unsettling to me as a consumer when I wonder where my XXXX 2016 mortgage payment was while it was " missing '' The funds were gone from my bank account but yet they were not applied to my mortgage for a month? Something is not right. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
A lady name XXXX XXXX from GC Services keeps harassing me and my family about my Federal Student Loans even though I told her that I have already went through the Obama Program to consolidate my loans and they should be paid off soon by the consolidation program that I went through. She keeps calling my cell phone and home phone everyday trying to make me consolidate my federal loans with her and her company when I have already consolidated with another company. It 's to a point I ended up blocking the number that she calls from. Then once she figured out that I blocked her, she went and looked up my niece information who has nothing to do with my loans and she is not even a co-signer on my loans either and she called her cell phone asking does she know me, does she have any contact information for me. My niece told her, '' Yes, I do know her and no I am not giving out her information. '' When my niece told me that, I was very angry that XXXX XXXX started harassing my niece.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: IL

Complaint narrative:
I pulled my XXXX credit report and found XXXX hard inquiries on it that are affecting my score which were NOT authorized. Both inquiries are from GC Services and show business type as " other collection agencies ''. XXXX inquiry is from XXXX XXXX, 2014 and the other is from XXXX XXXX, 2014. I did not apply for any credit through GC Services and did not authorize this. As a collection agency, a soft pull would have been appropriate which would not affect my credit score. I had no further dealings with this collection agency. I request that these hard inquiries be immediately removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: NC

Complaint narrative:
I am getting calls on a daily basis from a number unknown to me and when a voice mail is left they give no information as to the company name or a specific person to contact. only to contact this number in regards to file number which I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I requested a good faith estimate from a lender when I was looking into buying a home. The GFE was provided to me. Everything is moving towards closing and I am now 5 days away. The lender now sent me the quote of my actual monthly payment which is over {$300.00} higher than the GFE that he provided. He said he made a mistake on the property taxes. I pointed out the huge discrepancy in what he quoted and the actual cost and the best he could do was give me an apology.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC
State: UT

Complaint narrative:
GC Services - Partnership from XXXX, Texas XXXX has been calling my family members and friends in an attempt to collect a debt. They call daily and leave a message asking to have XXXX ( me ) call them back. They told a family member that they have the number listed as an alternate number ( I have NEVER listed my family as alternate contacts ). They have called a minimum of XXXX different family members about this and wo n't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TOTAL MORTGAGE SERVICES LLC
State: CT

Complaint narrative:
This company is nothing more than a " bait and switch ''. I contacted Total Mortgagein XXXX, CT to refi a mortgage currently held by XXXX XXXX XXXX. The loan offier is XXXX XXXX. My credit card was charged a processing fee of {$690.00}, which I was assured was simply a " HOLD '' on my card and would be removed once the loan was processed. The loan was processed on XXXX XXXX. The company refuses to credit the {$690.00} charge on my credit card. 
I paid {$460.00} for a home appraisal that was also included in their processing fees as part of closing. I was informed I would no longer be paying PMI. Exactly one day prior to closing I was informed I would still be paying PMI, however, it would now be included in my monthly payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Account Services Collections, Inc
State: CA

Complaint narrative:
I hired a lawyer to represent me in a divorce case. I pre-paid a significant amount of & gt ; $ XXXX dollars. The lawyer did not perform and was significantly unprepared for my case, missing discovery items, etc.. Extremely poor performance. 

They lawyer / firm is now charging me for hours that I do not believe are accurate, and I do not believe that the lawyer/firm performed at all. 

They are putting an amount of {$5900.00} into collection ( they are the collector ) and it is on my credit report from the XXXX major agencies, and they are trying to harm me with. 

I have outstanding credit, except for this, and it is hurting my score by approximately XXXX points in the negative. 

I did not establish a credit line, or agree to the charges in good faith with this lawyer/law firm and sent them a letter of my dis-satisfaction even requesting a refund of monies paid. 

The fees they are claiming are excessive, and the amount XXXX pre-paid should have been more than sufficient. 

My lawyer 's performance was so bad, that opposing council was awarded fees from me, and those fees in total were only {$6000.00} dollars. The opposing councils efforts who totally destroyed my lawyer, and the opposing council was/is a top dollar and rated lawyer as a comparison. This opposing lawyer fees are less than what my unprepared and newbie less expensive lawyer and firm are trying to charge. Something is definitely not correct. 

This is a strong arm tactic trom the lawyer/law firm that damages an otherwise excellent credit history from me. I do not think that they are a creditor, and they always wanted their money upfront and had a credit card from me on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
GC SERVICES COLLECTION AGENCY is calling my phone way too much, from several different numbers, after I sent a letter in writing asking that they verify the debt they say I owe. It 's pure harassment. I wo n't talk to them until they can prove this debt is actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: DE

Complaint narrative:
GC Services limited partnership continued to mail me to collect a debt claimed by XXXX. I provided them with documentation from my credit card bank which refund my money and a statement of my new TV provider, XXXX stating the date of my new service which conflict XXXX claim. However, the GC keeps contacting me regarding this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC.
State: WY

Complaint narrative:
XXXX XXXX, a loan officer for guaranteedrate.com quoted a mortgage loan to me over the phone that would come to a total closing cost of {$8500.00}. When I received the loan estimate, it showed that we would have to pay {$11000.00} in closing costs. Because the costs of the loan were much different on paper than what XXXX had quoted me over the phone, I did not sign any papers authorizing his company to go forward with the loan. I immediately requested that all services be cancelled so that we would not be charged for any services from guaranteedrate.com. However, XXXX claims that I owe his company {$150.00} for an application fee and {$300.00} for the appraisal of the home. However our real estate agent and the seller 's real estate agent both confirm that no appraisal of the home has been conducted. Nor were they contacted by any appraiser so that they could begin working with the property.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Home Community Mortgage underwriter is requesting that I provide a letter of explanation, signed and dated, regarding the sale of a 2014 XXXX that I owned. I was not selling the vehicle to provide funds to close -- not for principal, not for closing closts. The lender was also requesting that I provide proof of ownership, the valuation from the third party, and the proof of transfer of ownership. I no longer had any of that, and it does n't matter, because it is not material fact germane to the mortgage. I already have all the required funds for principal and closing costs in escrow when I sold my XXXX! There is no reason at all why they should be asking about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have sent them a written request to validate my debt and provide me proof of my signature. I waited over 30 days and still have not received any response. They are violating my rights by not providing me proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I owned a house in XXXX, MN. There was a major flood in XXXX and the house was destroyed. There was no flood insurance but there was PMI. I initially contacted XXXX ( my original mortgager ) and tried to do a deed in lieu of foreclosure. They denied this and sold my debt to a debt collector. It is currently with Select Portfolio Servicing , Inc, who has agreed to do a short sale with the city of XXXX, who has offered to purchase the property in a community development drive. Since Select Portfolio 's agreement to do a short sale, I have - at their request - provided them with bank statements, financial statements, copies of my XXXX, agreement letters from the city of XXXX, etc. Each time I send the information, they say there is something missing, or a date needs to be changed, or whatever else they can come up with. I provide the corrected info and they ask for it again and state that they did n't get it all together in time. I continue to provide what they ask for, but the end result continues to be that they run out of the allotted time amount and I need to start all over again. I have had everything they requested turned in on time but they say they always run out of time. I do not know how to get them to follow up on the sale and am very frustrated. The city of XXXX and the closing company involved with this have been very good to work with over this 3 year debacle but I am at my wits ' end. If there is anything you can do to assist, I would be very appreciative. Thank you!

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