vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation has been reporting on my credit profile that I owe them a debt {$220.00}, I 've has send them a notice of dispute which they received on XX/XX/2015, I have green card to prove they got it. They are still reporting that I owe them a debt, this is a violation of the fcra. My dispute is under notary seal, I gave them 10days to respond with a contract with my signature they failed to do so, and they mail me some frivolous papers, with out my signature witch is a violation of the, fdcpa, they 're also are violating the VA consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Cawthorn, Deskevich & Gavin, P.c.
State: VA

Complaint narrative:
I called to pay off a judgment with Cawthorn, Deskevich & Gavin from a hospital bill. When I made a settlement amount and paid the same day, I was told that the judgment satisfaction would be sent to the courthouse within 15 days. I asked for a copy of the receipt as well and was told it would be mailed to my home address. I did receive a copy of a written receipt but never received the satisfied copy of the judgment and neither has the courthouse. I called several times to be told that the attorneys only have one original copy of the satisfied judgment and it is sent to the court house, again the court house has not received this satisfaction as of yet. The clerk at the civil court said they would accept a faxed copy from the attorneys office, so I call and again I am told that a faxed copy could not be sent to the court because they did not keep a copy of the satisfied judgment once they are sent off to the courthouse. I called their client, the hospital they represent, and was told from the rep in the billing dept that I should have been sent a copy of the satisfied judgment. So I call the attorneys office once again to tell them what their client ( hospital billing dept. ) has relayed to me, then I am finally told that another copy could be signed by the attorney and sent to the court house via fax and mail being the court house never received their 1st copy sent, and that I would be sent a mailed copy only, as I asked if a faxed copy could be sent to me so I could have it recorded at the county courthouse. I was told the judgment was mailed on 2 different days, I waited, called the court house everyday to be told it has not been received. How can these law firms get away with such lies. The same person answers the phone each time I call and its always a different answer from her to the same questions I ask. I was suppose to close on my home on XXXX XXXX, my bill was paid with the attorneys office on XXXX XXXX 2015. They never sent the letter of satisfaction to me or the court clerks office. I still do n't have a copy of the satisfaction and it now XXXX XXXX 2015. I 've called the XXXX house every day for week as I was told that the satisfied judgment was mailed last Monday XXXX XXXX, and as I kept calling back with questions and pleas to have the document faxed to the court, I was told it was then mailed on Tuesday XXXX XXXX. I do n't know what to believe any more, I just want my paid judgment of satisfaction to be faxed and mailed to the civil court as well as my home address so it can be reflected as paid at the XXXX house and I can move on from this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
I informed this collection agency that I have been paying the original creditor and find it unnecessary that this account went to them. I also informed them that I will continue to pay the original creditor until the account is paid in full. They said they would continue to call and they have. I find this as a former of harassment since I informed them if my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
this information XXXX shared illegally without my informed and expressed consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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: PINNACLE RECOVERY, INC.
State: PA

Complaint narrative:
I own a fully paid for timeshare unit at XXXX XXXX XXXX in XXXX XXXX XXXX. I was late paying the annual maintenance fee for 2016 ( the last day for payment was XXXX/XXXX/2016 ). The account was assigned to Pinnacle Recovery for collection. I paid the timeshare management company ( original creditor ) the 2016 maintenance fee plus interest and the original creditor 's late fee in XXXX 2016 directly by check. The check was cashed. Pinnacle Recovery is continuing to call and send me letters for an additional $ XXXX dollars ( which appears to be their service fee above and beyond the original debt ). Since I live in XXXX, the original creditor is in XXXX and the timeshare is in the XXXX, I am not sure which state law I am subject to regarding my obligation, if any, to pay the collection agency 's fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
My ex husband and I had a finalized divorce in XX/XX/XXXX. Before that I was not living in the home since XX/XX/XXXX. XXXX XXXX XXXX was our mortgage lender and because my ex husband got behind on payments Selene Finance bought the mortgage. In our divorce agreement I was to get a quit claim deed and my ex was supposed to submit that to have the mortgage refinanced and taken out of my name. Well because he was behind on payments, and I have proof I was n't in the home since XX/XX/XXXX, the modification did n't go through with XXXX XXXX XXXX. Selene Financial bought the mortgage and keep giving us the run around. My name is still on the mortgage, therefore, causing my credit to plummet. I have contacted them and they have tried to now give me information but when I threatened them with a lawyer then they keep sending the same messages about the modification was denied and they will resubmit. Needless to say my ex has n't made payments on the home since XX/XX/XXXX!!!!!!!! This is very upsetting to me and I am ready to get some justice, get this house out of my name, and move on with my life. I am contacting you for help. Please help me in any way you can. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I started receiving calls from Amsher XX/XX/2016 in regards to an alleged debt owed of {$840.00} to XXXX. I have no idea what was going on so I sent several of disputes in regard to this beginning XX/XX/2016 until now. They were reporting to XXXX and XXXX of this debt. In an attempted request for validation since XX/XX/2016, Amsher has failed to send me any proof of validation notification of this debt. Amsher removed information reported to XXXX in this case but still continued to report to XXXX currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
Carter-Young, Inc.XXXX, GA XXXX, Local : XXXX Toll Free : XXXX My minor child and I were in an XXXX accident in XXXX of 2012. We have an attorney. The attorney notified all of the medical companies. Carter-Young, Inc filed a collection notice on my credit. I called Carter-Young, Inc. and explained their mistake. XXXX XXXX gave my son 's name and birth date and specifically told me she was attempting to collect on debt on my minor child. Using the words " minor child. '' When I explained that to her that that is against the Federal Trade Act she got upset. I gave her the attorney information. She said she would call the attorney. I asked her six times when they were going to remove the collection notice. She did not respond to me. She hung up on me. 
I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and XXXX XXXX did not attempt to verify my mailing address, email address or telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX setup services at my location at XXXX, Florida XXXX. However, their services were never used as I had never received a modem. XXXX has billed me for their services even after speaking with a Manager in their call center, and I 've been getting continued collection notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an account with Bank of America on XXXX 2015. On XXXX I deposited a check from my XXXX account and they had the money within any problem. On XXXX XXXX I deposit a check for XXXX from XXXX too because my employer deposits my salary direct on XXXX. Well, XXXX paid the check to Bank of America on XXXX XXXX but now Bank of America is holding my money up to XXXX. I ca n't understand why they are holding my money if the check was paid to them. That 's unfair because I had to wait XXXX days in order to get paid from my company, it 's an abuse that they make me to wait XXXX more days

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: TX

Complaint narrative:
On several occasions, over the last few years, we have had problem after problem dealing with Navient and their practices as it pertains to my private student loans. During the last three years, they have made several claims that we have defaulted on the loans, and missed several payments so I can not have my co-signer released from the loan. As we get close to the two year mark in order to have my co-signer released, they claim the missed payments, late payments or that we have been in default. 
Also, during a period of XX/XX/XXXX to XX/XX/XXXX, we made a change as to our banking. During that period Navient tried to withdraw funding from both the new bank as well as the old bank. When the payments were denied through the old bank, Navient penalized us and assessed late payment and returned payment penalties. Also during this same period, we have tried in vain to deal with Navient as it pertains to setting up automatic payments from our new bank. 
Navient would not allow this as they claimed those missed, late or in default payments would not allow us to be enrolled in the automatic payment program. Yet, on several occasions we had given our banking information to Navient to have the automatic payments set up and they did not inform us that we could not be part of that program. So, we were under the impression that we had been in fact part of the automatic payment program, but in all actuality we were not. It was not until two to three weeks later when the payments were missed, due to no fault on our part, Navient would call us demanding immediate payment. We explained that on several occasions that we were led to believe we were part of that automatic payment program and this should not have happened. Those within Navient then became rude, insulting and dismissive as to our questions and concerns. 
On several occasions we want to continue in the lower aggregated repayment program, but Navient said that we could not continue in that program as we were in default, missed payments, had payments returned and other assorted reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient fails to properly send me emails about my loans and informs me about repayment options and deadlines. Even when a process of repayment get thru, they cancel it a few months later, without notice and notified me, then come back with an higher payment with underlining treats to report me to credit bureau or garnishing entities. They do send emails to mandate me to pay but no email informing me of my rights under the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Acct. XXXX
XXXX
I am requesting a copy of my Home Apprasial that was done in XX/XX/2015 from my lender Bank Of America. I dont have a copy. They claim they cant locate it. I am trying to have my taxes assessed and need to bring a copy to my hearing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, I have a FHA mortgage loan on my condo through Bank of America. My original mortgage date was XXXX XXXX. But then I refinanced in XXXX XXXX. My original LTV ratio was over 80 % so I was required to pay PMI of {$360.00} per month. Currently I have {$360000.00} left on my loan and my condo was original assessed at {$460000.00}. I expect it would assess for at least that much today which leaves me under the 80 % threshold. I contacted BofA to ask about removing PMI but they are telling me since I refinanced less than 5 years ago they do n't have to remove PMI and I should contact them again in XXXX. 

Is this accurate? I thought once I had a LTV below 80 % I could contact my lender about removing PMI or at the least the 5 years should count from the date I bought my home not when I last refinanced.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
The allowance of easy deferment after 10 years my original loans were at about XXXX now are at XXXX. Financially devastating to make XXXX month payments. Please help me understand what options I have for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I apply for a loan online an was approved, but did not know that the interest would be daily added. I thought it was a signature loan. Then I did n't know that at the time the company was not registered in my state. They have tacked on high interest that I can not afford I have paid already on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
We refinanced and signed all mortgage documents on XXXX/XXXX/2016 paying off our our XXXX mortgage with Caliber Home Loans and our second mortgage with XXXX Loans. We had received a verified 30 day payoff statement ( {$380000.00} XXXX from Caliber Home Loans, good through XXXX/XXXX/2016. After the settlement date, the Title Company wired the verified payoff to Caliber on XXXX/XXXX/2016 in the amount that was signed in our paperwork. This was confirmed as paid on XXXX/XXXX/2016. Caliber then rejected the wire in which the title company attempted to wire again and it was refused another time with no explanation, meanwhile accruing interest all these days. When I called Caliber Home Loans on XXXX/XXXX/2016, they stated that the amount was short since they refigured the numbers and in turn changed the verified and signed payoff. After digging into this in more detail, I found that Caliber had faxed an updated payoff statement with a larger amount to the title company on XXXX/XXXX/2016 without notifying anyone and after we had already signed documents. To rectify the situation, we immediately brought additional funds down to the title company, even though this did n't seem right, just so that we could get it paid off to avoid even more days of interest charges, all the while paying interest to our new mortgage company ( that we had refinanced with ). The title company then requested a new payoff good through XXXX/XXXX/2016 and wired out the amount of {$390000.00} on XXXX/XXXX/2016 including more days of interest and fees. The wire was confirmed paid on XXXX/XXXX/2016, but then returned again on XXXX/XXXX/2016 with yet again, no reason. We then called and requested for a final time a new payoff statement in which Caliber yet revised again good through XXXX/XXXX/2016 in the amount of {$390000.00}, including more interest and fees. We are still waiting to see if they will accept this payment. This is absurd! We then wired out the amount of {$390000.00} on XXXX/XXXX/2016. Caliber has not been easy to deal with and I have never heard of them increasing a payoff statement without trying to notify us or the lender or title company. This makes zero since and we should not be responsible for paying on their lack of communication, organization and frankly a complete mistake on their part from calculating the original payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IA

Complaint narrative:
After leasing a vehicle from Toyota, I traded the leased vehicle for another vehicle again purchased from Toyota. As part of the negotiations, the sales person agreed to handle all costs related to the return of the leased vehicle, and took ownership of the vehicle during the purchase process. I was promised that no further charges would be incurred from the leased vehicle, and had no control of the vehicle after it was traded in for the new vehicle. Almost a year after the purchase, I received a call from a debt collector for additional charges, for approximately {$400.00}, claiming to represent Toyota. After contacting the sales person regarding the agreement we had made, he claims that all charges were completed. He has washed his hands of the matter, suggesting I contact the debt collector. After no contact for nearly a year, suddenly Toyota Financial claims I owe them this debt, and has turned the matter over to a collection agency. I assume they are damaging my credit rating. I have completed my part in the purchase agreement, in fact overpaying for the vehicle I received, but the Toyota dealership and Toyota Financial are colluding to extort additional funds from me with threats to damage my credit rating as they hide behind a third party, who now also seems to claim rights to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
the 3rd party collection agency refused to send me a 30day notice and continue to harrass and call me every other day without ever sending me proof or a letter ever to dispute the bill. I had to look up the company to send out a letter to them and they still continue to harrass and ask me for money saying the account belong to me cause they sent a copy of 2004 statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company is reporting incorrectly on my XXXX report. They are showing an incorrect Date of 1st Delinquency ( shows XX/XX/XXXX should be XX/XX/XXXX ) ; reporting as an Original Creditor under my Accounts section when they are actually a Collection Agency ( not showing under my Collections Section ), also says the account is Open and that they are a Factorying Company ; the account # they are reporting does not match the account # for my XXXX XXXX Account ( XXXX XXXX Acct # XXXX and Portfolio Recovery is Reporting Acct # XXXX ; the amount they are reporting is also different from my XXXX XXXX Account ( XXXX XXXX charge off amount is {$1000.00} and portfolio Recovery is reporting {$1500.00} ; This company is also reporting a payment history when I have not made any arrangement with them, ever. I am under the impression that Collection Agencies are not even allowed to report a payment history because they are not Original Creditors. I have also attached my credit report showing the inconsistencies of their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I get repeated automated calls from a collection agency for someone else, and they wo n't stop. The phone they are calling on is a business line provided by my employer, and it 's possible the person they 're looking for is a previous employee. However, they wo n't quit.

Company response to consumer: Closed with explanation