vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation
State: MA

Complaint narrative:
Hello I was told I had to file 4 or 5 different complaints by your customer service people. this Complaint will be about Performant Recovery. 

Back in XX/XX/XXXX, Performant Recovery came after me. They committed several law violations. 
1. They only gave me a 15 day notice instead of the legally required 30 day notice. 
2. They never reported any of my social security garnishments to any credit agency which violates the Fair Credit Reporting Act. 
3. I do believe from time to time they robo called my house which might have violated the Fair Debt Collection Practices Act, but it definitely violated the Telephone Protection Act of XXXX. 
4. With all of the money I have paid Federal Student Loans I do not know if the fee I was charged by Performant Recovery would be legal. I did write the US Dept of Education previous collection agency some checks. 

I have made over 500 complaints to the Federal Bureau of Investigation regarding robo calls. I made those complaints through XXXX so you people can probably easily look those up.

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 2015-06-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI

Complaint narrative:
I understand that I do owe for the credit card, I 'm not denying that. However, when I called a spoke with a representative from the law office and explained that i am the only one with income. I told her I was willing to pay XXXX to XXXX dollars a month. She told me that was unacceptable. Next thing I knew they went into my bank account and took all my money. I have absolutely no money, no food,, light bill is due, car insurance, and other bills that I automatically have taken out of my account. I could understand if they took some, but, they left my account with a zero balance. I guess my question is can they do that?

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 2016-03-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
This was at a first citizens bank on XXXX/XXXX/16 at time XXXX i made a deposit XXXX which XXXX was cash at XXXX i made a withdraw of XXXX from a atm the bank charge me a XXXX overdraft fee i ask them about it and all i got was a run around so they stole XXXX bucks from me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had a negative loan amortization with originally XXXX xferred to XXXX XXXX XXXX and when I was in the midst of modification when the loan transferred to SLS. 
SLS, since day one advised me that I should foreclose and thats my only option. My loan mod attempts keeps getting denied without even being reviewed. 
They keep denying me due to incomplete package, but I am calling them every day, half hour after they told me the package was complete, they would deny my package due to incompleteness. 
They changed my account manager XXXX times in 2 weeks. they never returned my numerous calls back & I was calling them everyday. I have proof in writing that my acct mgrs were changed almost every other day in the past 3 weeksI offerd them a downpayment toward modification, to get a fixed interest rate, but no luck, they are not letting me make my regular monthly payment either. 
All I want from them is a fixed interest rate, so my loan amount doesnt increase due to a negative amortization. 
Now I have a trustee sale date for XX/XX/2015 right in the middle of modification. and after scheduling the date I was denied me due to incomplete packagte again. 
I did n't even find out about the trustee sale until the county sent me a letter yesterday,. They were trying to foreclose on me without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
this account was included in a chapter XXXX case # XXXX which was converted to Chapter XXXX case # XXXX in which all outstanding debt including medical bills to CREDIT SYSTEMS. This account has already been disputed once and removed. I am in the processing of purchasing and has now effected my credit score. I want this item removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Health Investment Company, LLC.
State: IN

Complaint narrative:
My brother was in a XXXX and they keep calling me to collect his debt it is not my debt to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Several of the categories applied. They refused to return phone calls or allow me to speak with attorneys. They called after hours. Receptionist was abusive and hung up on me. They threatened to sue me and did on incorrect amount ofdebt. They refused to negotiaye reficed amount or payment plan. They repeated phone calls after hours. They did not respond to written requests

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a XXXX card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a XXXX account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Van Ru Credit Corporation
State: IN

Complaint narrative:
This debt collector calls my work phone approximately XXXX - 10 times/day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have been struggling with HSABANK since XXXX 2014. Their website does n't provide accurate information about account balance, beneficiaries, and does n't allow me to transfer to my investment account to manage it. Their so-called customer service is inept. Since this is an internet bank a non-functioning website is the same as if they were closed or out of business. They do not respond to information requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: FL

Complaint narrative:
recording asked for XXXX almost daily

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
The Creditor Service of Morgan reported a collection account on my credit file without giving me a notice of my right to dispute. I have even written to them several times asking for an explanation of the debt they are reporting on my credit report, but they still refuse to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I sent a Request for Information under RESPA to XXXX, and to Specialized Loan Servicing , LLC. Neither XXXX nor Specialized Loan Servicing LLC responded to the actual Request for Information under RESPA. I hereby file a Notice of Error with these firms, and demand that they supply an answer to the RFI. There is some person named XXXX XXXX at XXXX XXXX whose inane letter states that my request is too broad ; it is not- my request is based upon RESPA , see my letter for the citation to United States Code. XXXX XXXX should be banned from the financial industry for his de facto abuse of a XXXX Veteran. 

Please stop any foreclosure while Specialized Loan Servicing LLC and XXXX XXXX respond to my demand for RFI. 
The above notwithstanding, I am applying for a modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
phoned work number at XXXX and at XXXX XXXX/XXXX/16 and XXXX XXXX XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 EXCESSIVE CALLS TO WORK NUMBER MUST CEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I closed a XXXX loan in 2013, and XXXX did not require me to obtain XXXX Interior Condo Insurance. 2 Years later SLS is threatening to force place this insurance on my property because it 's their " Policy '' for me to have it when my note does not contain this requirement. It 's not fair to change the rules in the middle of the game.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
Northstar Location Services , LLC ( NLS ) initially contacted me on XXXX XXXX, 2016 when it mailed a letter proposing that I settled an expired, outside the statute of limitations, debt. This letter was their initial contact with me pertaining to this debt. NLS has not contacted me after this initial contact. The letter did not contain the right-to-dispute the debt disclosures.

Company response to consumer: Closed
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: IL

Complaint narrative:
found scrivener 's errors, legal descriptions and index numbers x XXXX, of property that was sold at sheriff sale, does n't match what 's on original warranty deed, legal description, transfer stamps nor current property tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Malcolm S. Gerald and Associates, Inc.
State: MD

Complaint narrative:
This has been going on for months. By example, from XXXX until today, a company called MS. Gerald, XXXX, XXXX has called 8 times. 

Each time I pick up the phone and say hello, the call terminates. 

Tonight I called there number back XXXX. The rep was not forthcoming demanding personal information from me while I was demanding the legal address and the name of the owner from him. Once provided, he advised that if I gave him more information that he would then transfer me to whomever was researching a collection debt. 

My FICA is in the mid XXXX and I have no outstanding issues that I 'm aware of. 

It would appear that their tactics are to call and hang up until the consumer takes the initiative to call back and then can fall into some kind of trap providing additional personal information. 

After a few expletives i hung up. I 've not gotten any written advises or communications inquiring or informing me of a debt - period!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANCO POPULAR DE PUERTO RICO
State: VI

Complaint narrative:
I canceled a VISA card issued through Banco Popular because they are impossible to deal with including issues such as : you ca n't pay the credit card on line unless you have a checking account at Banco Popular, the wait time for their 'help ' line is always in Spanish first even though you press the number for English, and the wait time on the customer service lines is at least 20 minutes and many times up over one hour and many times they cut you off before finishing the call resulting in multiple calls. 
So, i canceled the card and destroyed the card as they indicated in the letter that I should. I still had a balance on the card so the following month I go up on line to access the bill so I can go to the local Banco Popular to pay it as I had to do every month and lo and behold they have shut off my on line access. After two days and many hours on hold I finally talk with someone and explain I still need to access the account. They refuse to let me do that because I have 'canceled the card ' so they 'canceled my on line access '. So i tell them to send me paper bills. They send one XX/XX/XXXX and none this month. Today I went into local Banco Popular bank and have the branch manager call them to access our account. She was on hold over 30 minutes and then they told her wrong department, transferred her!!! and that line said it was an estimated wait of one hour! So she gave up and said there was nothing she could do!!! Is n't it my RIGHT to get a billing statement every month?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
Got behind on modified mortgage payments. Received letter from SLS, LLC to catch up all payments or will go into foreclosure dept. on XXXX/XXXX/16. So we set-up an Informal Payment Agreement Plan. Have made two payments so far. They keep calling me aggressively. 
1 ) Can they demand that I set-up my checking a/c with automatic withdrawals until I catch up? Also stated that phone calls would end only if they can secure my checking a/c! 
2 ) Can I get the Informal Payment Plan in writing Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL

Complaint narrative:
First American Title in XXXX did the title work for our mortgage refinancing. We 've moved to Florida and planned to do closing here. We were looking at closing during XXXX week. After the bank issued our Closing Disclosure, I called the title company to ask about wiring the money we owed at closing a day early in order to avoid any problems with the holiday. She agreed that was probably a good idea to be safe. I went to the bank immediately, and wired the money. I emailed the closer at the title company when I returned to let her know the wire had been sent. Two hours later I got a call from the bank asking my permission to modify my CD. The title company did n't realize we needed a remote closing and now wanted to charge an additional {$160.00}. I know the CD has to be accurate and that it was too late to ask for that money ( besides, I did n't have any more to pay! ). The bank escalated with the title company, but they refused to waive the fee. I was told that either we paid the fee or they would n't do the closing. Had I not already wired the money, I would have gone to a different company. The bank tried everything to work with the title company, but they would not budge. At one point, a member of the bank staff told me, " They know this is against the law, but they do n't care. '' I 'm filing a complaint because they broke the law by demanding an additional fee after the CD was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: College Assist
State: GA

Complaint narrative:
To Whom It May Concern, I NEED YOUR HELP! I 've been unemployed/underemployed and struggling from XXXX XXXX until XXXX XXXX when I secured a job as a XXXX XXXX at XXXX XXXX XXXX School. I served this country honorably in the XXXX XXXX for eight years and never shirked my responsibilities to this nation. 
I was forced into bankruptcy and was terribly disturbed that I defaulted on my obligations ; however, I attempted my very best to work with my creditors. As I 've been digging myself out of the deepest hole of my life coming from a place where I lived out of my car for six months, I started to turn the corner. Teachers already struggle to make a living because there is n't any value in the educators of this nation. 
I submitted my education deferments for my student loans every year. My mortgage is due at the XXXX of each month. Recently, I discovered a company that I 've never heard of garnished my check which caused me to default on my mortgage and now I 'm under the threat of becoming homeless. This company : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account # XXXX This company on behalf of XXXX/COLLEGE ASSIST ( a company I 'm unaware of its existence ) filed legal paperwork without informing me or serving notice and just received a court order to garnish my check. 

College Assist XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Student Loan - Account Number XXXX I called after sending several deferments each year to the Department of Education concerning their rehabilitation program because my current income is so far under my expenses - I eat out of garbage cans some times to ensure my kids can eat. These XXXX companies have ruined my life and caused extreme hardship. As a military veteran - I 'm begging for help and relief from this situation. A Veteran needs help ASAP!!! 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX 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