vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Funding is in accurately reporting an account with XXXX XXXX that is not mine. This account was disputed with creditor as well as the credit Bureaus. I have also yet to find a bond on file for said company for the state of illinois which is required to lawfully collect debt in this State.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: NAM National Arbitration and Mediation
State: FL

Complaint narrative:
Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the ADR Group, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that XXXX had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I originally contacted the debt collection company midland credit management in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NAM National Arbitration and Mediation
State: OH

Complaint narrative:
I am receiving harassing calls from ph XXXX. I believe this is a third party collector. I answer the call once ; on XXXX as an attempt to resolve/address the nature of the calls but the guy on the phone was extremely condescending, aggressive and did not even provided the required mini Miranda. I ended up hanging up on him as we were not getting anywhere.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: ME

Complaint narrative:
I have had a very difficult time with Nationstar I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Nationstar always seemed to lose my paperwork, which I constantly had to re-fax. I was originally with XXXX XXXX XXXX and was in the middle of the loan modification getting approved. It was sold to Nationstar, and they never honored the modification. I had to start all over and Nationstar never tried to help with the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I submitted an application for a mortgage refinance loan with Quicken Loans on XXXX XXXX. The terms of the loan were conventional loan with LPMI, no appraisal required and the rate was 4.125 %. I submitted all the required documents and the loan processing started. On XXXX XXXX I received an approval letter from Quicken Loans confirming that I had been approved. During this time I contacted a few other financial institutions to shop around a bit because the fees that I was being charged from Quicken Loans seemed a bit exorbitant. XXXX lender referred to the Quicken Loans loan estimate as predatory lending. I did not feel comfortable with this information and on XXXX XXXX I contacted Quicken Loans to request that my mortgage application be withdrawn effective immediately. On XXXX XXXX, a lady named XXXX from the Quicken Loans Executive office contacted me to ask me why I was withdrawing my application and to determine if there was a way they could keep my business. I informed her that I was moving forward with another lender and then I asked her to confirm that the loan application has been cancelled, which she did and she said I would receive a letter confirming this in the mail. On XXXX XXXX, I received the letter but the reason listed in the letter was incorrect. The letter was worded that they could not offer me a loan because of my 'unique ' financial situation. This was really upsetting as I 've never been declined by a financial institution in my life. I immediately contacted them to have this information corrected. XXXX XXXX called me on XXXX XXXX and apologized for the letter and stated that by law they are required to send out a letter when the loan process does not complete. I told him that the letter should state the real reason, not a made up one. He agreed to send me an updated letter stating that the reason was that the customer had withdrawn the application. I received a letter from him via email but the letter did not have any information referencing the loan number or his signature. I responded to him on XXXX XXXX to let him know that the letter was not acceptable and his coworker XXXX XXXX ( he was out of office ) informed me that they could not change the letter. I do not feel comfortable with a letter with made up information on it. Quicken Loans needs to correct this. They said it 's not a big deal but the fact that they are fabricating information about my withdrawn loan application is a big deal for me. It seems malicious and like they are retaliating against me for withdrawing my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
After over 7 years of credit card purchases thru PNC BANK points Visa Signature Credit Card, I decided to utilize the points accumulated to purchase products from the rewards catalog. However, after logging into my account online discovered, that PNC stole XXXX points. After calling, the PNC representative acted surprised and said that a written response would be sent ( Exhibit A ) which stated that the points expired! This was never discussed or pointed out by the PNC branch manager when " selling '' the rewards program/credit card to me and hides notices in small print on the back of statements. In a Class Action Settlement XXXX XXXX XXXX XXXX this issue concerning forfeiture was addressed. I demand my hard earned points back along with any punitive orders due to stress and emotional distress. The schedule of events and statements are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
I have received numerous calls from this company and have submitted XXXX separate complaints prior to this one. On XXXX they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XX/XX/2016 they said they were calling from XXXX and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information. 

Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law. 

Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife. 

Fifthly, they disclosed my address to my sister. 

This company is menacing, threatening, stalking and harassing me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Around XXXX 2014 BBVA Compass did a Mortgage loan for me. The loan officer was very helpful. The loan officer and I requested to do the mortgage payment 30 year fix with an amortization for 30 years. Before I started the refinance with BBVA Compass I had a construction loan with another bank that has a balloon payment as soon as the house was finished. When we went to closing to my surprise the mortgage payment was set up to be paid every 2 weeks just principal and interest. It was too late to back down since I was at the closing and had the balloon payment. My loan officer contacted her manager XXXX XXXX, XXXX XXXX stated that he will help to modify the loan later on. However I tried to get in contact with the loan officer around the middle of the year and she gave me XXXX XXXX 's phone number since the loan officer was on leave sick and never return to work to BBVA Compass. I tried to call her manager several times since but never heard from him. 
I have also tried calling several times to several phone numbers, leave messages and no one return my phone call. The most recent number that I called was XXXX I left a message explained my situation that I can not pay every two weeks since it is killing me and putting my family in a hardship. Currently my business is not doing very well as before. All I am asking is to modify to pay monthly payments not every two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: N&S Partners
State: MO

Complaint narrative:
Excuse any/ all spelling errors, the message was n't clear. 

I had returned a phone call that stated a complaint was being filed against me for a debt from 2005. The company sounded like XXXX and associates and from a lady by the name of XXXX XXXX, phone number XXXX XXXX XXXX XXXX. She said my HR department was already being contacted to file a judgement. I have recently closed a bankruptcy case ( end of XXXX ) and no where was that debt listed on my report nor any attempt to collect it has been attempted until this point. 
She said the original amount was around {$2400.00} and now it is over {$6000.00}. 
She was also very threatening towards me on the phone when I hesitated to give her any personal information.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: NPS GROUP
State: AL

Complaint narrative:
My family members have been receiving phone calls from a company referred to as NPS Group inquring about my whereabouts. When XXXX of my relatives attempted to retrieve additional information about the debt and the company they were representing, they hung up on her. They have attempted to call me as well, leaving threatening messages on my phone but I have no idea who they are or who they are supposedly attempting to collect a debt on behalf of as I have a recently discharged chapter XXXX bankruptcy and even prior to the filing bankruptcy, I was not receiving debt collection calls of any sort.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-01 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
Called and threatened with legal action involving the state of California and that they referenced my social security number to identify me. They wanted me to confirm it when the called. I did not, suspecting phishing. 

I found out by Googling that they have a long history of scamming the public where people have logged the calls and conversation similar to mine. They have called me a number of times and use different caller ID numbers. The one today is : XXXX and they said reference case # XXXX. 

They seem to have a basic website that does n't look real. See : XXXX See : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Goldberg & Peretti, LLC
State: KY

Complaint narrative:
Goldberg and Peretti have called my in laws multiple times this week stating that they were a law firm and that they were trying to contact me in regard to pending litigation they were about to file. After calling and requesting documentation of this alleged debt they refused to provide any documentation or any further information on the debt. They said they had attempted to serve me with a lawsuit but had been unsuccessful. Said they would have a supervisor call me back. I gave them my cell phone to call back and instructed them not to contact my inlaws further. They have called 6 times in 3 days to my in laws. Will not answer my calls and have not attempted to call me back directly. Threatening, misrepresenting themselves as a law firm, repeated calling and refusing to provide any documentation or information. these people are obviously agressively attempting to rip off a lot of people based on the all complaints I 've read so far. Please instruct them to cease and desist any and all further contact.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a checking and savings accounts with Fifth Third Bank on XX/XX/2017. I have made a few cash deposits and two check deposits. Both checks were from my employer who banks with XXXX bank the checks are drawn on an account from there. The first check for XXXX cleared no problem the second for XXXX has been placed on hold. I deposited the check in question on XX/XX/2017 they want to hold the funds until XX/XX/2017. The reason they claim to be doing this is because of my account being new. I have already spoke to my employer and there is no problem what so ever on their end the check has already cleared their bank. The is no logical reason for the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been trying and trying to get this judgement off of my credit report with Equifax or at least mark as paid, I have the receipt and Equifax is not doing anything. This is affecting my credit and I 'm really not understanding what else needs to be done. Please see the attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NV

Complaint narrative:
Seterus will not send me a monthly statement on our Mortgage despite several phone calls. 
I have also asked them to fax statement and they state that they can not send to e fax. 
I can not access information online. I have sent a letter requesting statement and received a non responsive answer to my request. 
I need monthly statement for another Bank ( XXXX ) that I am trying to work out a loan modification on. They will not move forward on my modification until I obtain Seterus 's statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax re-inserted false, previously deleted information to my credit report. 
XXXX is reporting false information that we previously deleted due to false and incorrect information. Equifax altogether failed to notify me in writing within 5 days or reinserting and re-again false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: High Point Asset Inc
State: MN

Complaint narrative:
I FILLED BANKRUPCY IN XXXX, AND I PUT THE PAYDAY LOAN ON IT, BUT APPARENTLY THERE WERE OTHER PAYDAY LOANS IN SMALL PRINT, AND DID NOT SHOW UP ON CREDIT REPORT NOW FOR THE LAST FEW YEARS ON AND OFF OTHER COMPANYS HAVE BEEN THREATENING TO TAKE ME TO COURT ECT ... .AND TODAY XXXX XXXX THEY HAVE CALLED ME 5 TIMES AND LEFT A MESSAGE SAYING I NEED TO CALL THEM BY XXXX TONIGHT OR THEY WILL TAKE FURTHER ACTIONS, I TOLD THEM I FILED BANKRUPCY ON THE PAYDAY LOAN AND THEY INSIST THAT THEIR ARE OTHER LENDERS IN FINE PRINT THAT ARE PARTNERS WITH PAYDAY LOAN ... WHAT DO I DO?

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Select Management Resources, LLC
State: IN

Complaint narrative:
From XX/XX/2017 until XX/XX/2017, I have received several texts and phone calls on my mobile cell phone from Midwest Title Loans ( XXXX area, www.midwesttitleloans.net ), asking to speak with a person named XXXX who was apparently delinquent on a loan. I called back at that number, informing the agent that they had a wrong number, I do not know this XXXX person. Midwest Title Loans initially acknowledged my request, and said they would update their files. Despite those assurances, the lending company continued to call and send texts on my mobile phone. Since then, I have informed this company no less than 5 times ( either via phone or text ) that they had the wrong number and that they had to update their file information accordingly. On today XX/XX/2017, I received another collection text and called back ( again ) the company : I informed them that they have to update their information, failing which I will file a complaint. The lady on the phone explained to me that there is nothing they can do to stop the texts because those are " generated by a machine '' (!! ). I asked if I could talk to their legal department to get that straightened out. She said that their contact information is on their website ( which I could n't find on the website ). Therefore, I have no choice but to file this complaint to ensure that Midwest Title Loans takes its obligations under the FDCPA seriously, since I am unable to get any traction with Midwest Title Loans directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
After entering the XXXX I was provided the benefit of the military student loan repayment program. The loan repayments would be spread across three years and the payments would only go to the principal of the loans. The first two payments in XX/XX/XXXX and XX/XX/XXXX were applied correctly. The final payment in XX/XX/XXXX was wrongly applied to both the principal and interest of the loans. After a year of arguing my issue I encountered an individual at Navient that worked to correct the wrongly applied payment. They correctly applied the third repayment amount all to principal, however, when they went back to reverse the wrong payment they reversed it all from principal instead of reversing the amounts from principal and interest, essentially taking us back to square one. I have called endlessly to have this issue corrected only to be told by Navient employees that it all looks right and it was applied properly. It was n't until early this year, XX/XX/XXXX, that I found a member of their military benefits department that was willing to take the time and listen to me. She said she could clearly see that something was wrong but that it was complicated and she would need to forward it to another department to look at the issue further. That all began to take place in XX/XX/XXXX. Three months later and I am still being told that it 's been forwarded to another department and another department but with no resolution.

Company response to consumer: Closed with explanation