vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Massachusetts Educational Financing Authority
State: CO

Complaint narrative:
I have had my student loan for 5 years. I had deferred and reduced payments ( due to income ) for the first few years but have been paying the full amount for the past three years. I am building a plan to make extra payments to pay the loan off faster, as part of the planning I called the servicer to get a payment schedule / amortization schedule. They are unable / unwilling to provide this, they sent a letter saying I have approximately 108 payments left. There was no information about interest calculations etc. I know the balance, rates etc and can calculate a simple interest payment but wanted to see their calculation to both make sure my calculations were correct and to make sure I 'm not being taken advantage of by a company I do n't trust. I 'm astonished that they wo n't provide the most basic repayment schedule. I have worked in lending and written loan notes for years and have always provided a payment schedule. I got this loan for a XXXX and it 's one more reminder that I made a bad decision. It makes me suspect I 'm being taken advantage of in the repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I have already paid this debt and it was never take off my credit report even though when talking to them over the phone they said they would remove it with three weeks. It was removed from one report but not the other.

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 2016-07-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NAM National Arbitration and Mediation
State: NY

Complaint narrative:
A representative name XXXX from a company name ADR Group called my mother in law and said I was being sued and going to jail and that I have a debt to pay. When she asked where from XXXX would n't tell her. All he said was take his name and number and have me call him. I called the company immediately and spoke to XXXX different representatives. The second rep name XXXX said I had to pay a credit card debt. I asked what was the name of the company and he said XXXX. I said I do n't have or had a credit card name XXXX. I said what is the phone number to the company, how much do I owe, and what is the account number. XXXX gave me account number that turns out to be bogus. He would n't give me the phone number or tell me the balance owed or when I alleged got this card. So I XXXX premier phone number. I gave them the alleged credit card number and my social. And the representative from premier said I do n't have a account with them and that the company was fraud scam and do n't pay them anything. I said I did n't and immediately called ftc.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Taurus Law Group, P.C.
State: OH

Complaint narrative:
This Taurus Law Group calls several times daily, not only me, but also family members of mine. The messages they leave say that there is an important message from Taurus Law Group and to contact XXXX XXXX ( not sure of name spelling ) at XXXX. The message sounds recorded and is exactly the same every time. They do not say who they are attempting to contact, but do say that they are a debt collector and that any information obtained will be used for that purpose. They have been asked to stop calling. I feel that they are implying legal action and by not identifying who they are attempting to contact, scare people into calling them back. This leads me to believe that if a family member does return the call that they would discuss any alleged debt with a third party in order to obtain information illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weinman Acquisition Group
State: NV

Complaint narrative:
In 2012 I submitted my personal information to a website that I unfortunately do not remember. This so called company I guess was not a direct lender but a solicitor and passed my info to XXXX " lenders ''. At the time I wanted to get a small loan. $ XXXX-XXXX. I made the mistake of providing my banking information. The company that is now trying to collect for XXXX XXXX ( Weinman Acquisition Group who has a P.O. box and no brick and mortar address ) says that they purchased my account from XXXX and that I got a loan from them. I asked when this was, how much was the original loan and if they could show me documentation which states I accepted the loan. The initial company who tried this XX/XX/2012 was not XXXX. I asked them to provide me with the same proof and documents and I never heard from them again. The XXXX XXXX provided me with a document they drafted with a dollar figure that they want me to pay. I still do n't know the original loan amount and must now go to XXXX XXXX and ask for transactions for XX/XX/XXXX and XX/XX/2012. XXXX XXXX stated that the transaction took place XX/XX/2012 but did not provide that info with their letter. I will attach a copy if your site allows. The amount the are asking me to agree to is {$750.00}, they say it was reduce from {$1100.00} and will go to over {$3000.00} if they file paperwork with XXXX County Nevada for fraud. The person I spoke with is XXXX XXXX. Says he is a mediator and wants to help and says he is offering this to keep his layers from filing the paperwork in XXXX County Nevada. Not clear if he works for XXXX or Weinman, but was clear on how much money he wants me to pay. 

I do n't remember receiving any money at all! and certainly not {$3000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
After they called me, I called them back and asked for a settlement and that they stop calling me. They would not agree. I then called back and they would not allow me to make a settlement on my account without agreeing to allow them to call me regularly about the debt. I did n't agree and asked again for a settlement. The would not agree to take my settlement offer. It is hurting my credit score and they wo n't let me pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Integrity Group Inc
State: NC

Complaint narrative:
I was contacted by Integrity group with the help from you so that I could receive a refund on fees charged to me by them. The fee was {$290.00}. However they put down all of my information wrong including address so I did not sign since it said a check would be mailed to that address. I notified Integrity that the information was wrong and provided the correct info. I have still not received a response from them or the check. This has been over 2 months now.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: First Capital Recovery Inc.
State: MD

Complaint narrative:
debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Applied for a modification and I was approved for a temporary payment reduction and an extension of 21 more years. I was not happy with the terms and was told to sign it and send it back for review and then call to discuss for other options. After a week I called the mortgage company and was placed on hold several times. I was told i will get a call back and to no avail that never happen. My rate is over 9 % therefore the mortgage company is making money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DYNAMIC RECOVERY SERVICES, INC.
State: IL

Complaint narrative:
I have excellent credit and no late payments/debts but was called repeatedly by Dynamic Recovery Solutions number ( XXXX ) XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
I approved the XXXX Dealership to see what % rate I was approved of from XXXX XXXX XXXX. 
The dealership auctioned of my car loan to several financial institutes that made my credit report go up XXXX points in less that 2 days.

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 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I went though a divorce several years ago, my husband Quit claim deeded the martial residence to me. I 've forwarded financials and request for modification to the mortgage servicer serval times. My credit has been pulled numerous time as well, I still reside in the property. Select Port Folio has assigned my file to several relationship managers, no one with the mortgage company has completed the request for mortgage modification. I feel I 'm being given the run around. I was also recently informed I needed to attend a Hud homebuyer class. I 've owned several homes and I feel I 'm being harassed and decimated against. I want the mortgage company to please complete the modification request There is a pending property foreclosure sale date set for XX/XX/2017. 
Please HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINEX Group LLC
State: CA

Complaint narrative:
Debt collector is attempting to collect for a towing company that towed a vehicle that i no longer owned. I sold the car to an individual and the individual that I sold the car to, got it towed. I tried explaining this to the debt collector but they did n't care, stating that i was the registered owner at the time. Which is not true and I have documentation to prove it. I have a copy of the certified document from the DMV that shows that I sold the vehicle on XX/XX/2016. The vehicle did n't get towed til after that. The Dmv clearly states that the previous owner is no longer responsible for any tickets or issues pertaining to the vehicle after the date that the vehicle is sold. My paperwork states that the car was sold on XX/XX/XXXX. The collection company is trying to collect for the car being towed after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XX/XX/XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX is reporting an account on my credit report when I have never had any kind of contract or agreements with them for them to be reporting on my report. I have contacted them and they stated they can not discuss the account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was sent to foreclosure prematurely. My mortgage company denied my loan modification ( mid XXXX ) and also a repayment forbearance. When I questioned why the forbearance was denied I was advised by the manager ( XXXX ) that it was due to my income. XXXX reviewed the income information with me and found that the underwriters did not include both of my jobs when making their determination. She instructed that I immediately file an appeal. I filed the appeal ( XX/XX/XXXX ) and it was denied ( XX/XX/XXXX ) and at that point I was sent to foreclosure. I again spoke with the same manager who advised that I reach out to the consumer advocacy dept to file a complaint in an effort for the issue to be looked into thoroughly. I filed a complaint ( XX/XX/XXXX ) and received a letter ( XXXX ) from US Bank apologizing for the error and advised that they were going to reopen my file. When they sent the letter they did not retract the foreclosure, they refused my attempt at making a payment and on XX/XX/XXXX they denied me due to my account standing in as of XXXX, however had they thoroughly reviewed my initial appeal and not denied it, i would not have been sent to foreclosure and I would have been continuing to make payments during this 4 month process.

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 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Upon looking at my credit report ( XXXX ) i noticed that transfinancial co. added a debt to my report that was in fact already reporting. Therefore they duplicated the same debt. Causing my credit score to drop significantly. I have also sent them a certified letter stating that i would like debt validation from them not verification and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cohen & Associates
State: CA

Complaint narrative:
In XXXX I received a voice mail from the " Litigation Department of Cohen And Associates.Stating That XXXX Bank was taking me to court that week and once a verdict was found against me my wages could be garnish and even bankruptcy would n't relieve me from the debt. So I called Cohen & Associates and was transferred to the " Litigation Department '' and a very authoritative XXXX XXXX XXXX, tells me that unless I make a payment immediately his lawyers were going to go before the judge and get my case on the docket. I have a settlement letter from him saying that XXXX bank is suing me for over {$4000.00} ... The original debt, plus interest plus, & court fees. I do n't know how to get representation XXXX, XXXX where XXXX XXXX XXXX told me my case would be presented XXXX, when I now live over XXXX miles away. So I begged and borrowed and came up with {$1000.00} and settled the debt with XXXX XXXX Bank. Then to my surprise I begin getting multiple letters from other collectors collecting on this same account. I send them my settlement letters and they ca n't understand why I paid XXXX when my total debt is only XXXX. I finally get in contact with Cohen and Associates, but no XXXX XXXX XXXX this time, only to be told that there was a clerical error, XXXX XXXX XXXX had entered the wrong account on the paperwork, the {$1000.00} settlement really being applied to a XXXX account from 2007 and he will gladly send me an updated Release of Liability With the correct account number. I understand that I may owe XXXX but Cohen and Associates did n't even own the XXXX Account so how could they represent it on their paperwork. Not once in any of my communications with Cohen Associates was XXXX mentioned. I believe that i was threatened falsely, grossly misled and right after I made this payment I got a letter from another collector offering a settlement on the same XXXX account I was told I had settled for XXXX. At that point I could n't pay anyone anything, and now that settlement offer is no longer available, I believe I was done so wrong and Cohen and Associates grossly misled me and something needs to be done.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have federal VA XXXX funds and VA vocational rehabilitation funds deposited in my account with TD bank. I keep getting levied by the child support enforcement agency. The bank says that these are not protected funds and that the agency is the one who determines if they are or not. they also say it is not their responsibility to do a 60 day look back. According to Fed law 5CFR 581.104 these are not allowed to be levied. Also title XXXX part XXXX out lines how to identify the federal deposits and again they insist that it is not their job to check the deposits. It is clearly marked on my statement. Yet they refuse to even consider reading the law. They say that the NJ state law allows them to do this. I did n't think that state law could over ride the the federal law. If so i would like a detailed explanation of how it works. Saying just because of this law or another is n't good enough. When I read the law I see that there are a lot of moving parts and one of them is the exemptions to these types of federal deposits. These levies that i have encountered have put a large strain on me and my family. The bank hits me with Levy fees and low balance fees. I have issues trying to get them back. I have problems paying my bills and bounce checks because of these levies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I lost my job early last year XX/XX/2016 because I was in and out of the hospital because of XXXX, getting XXXX, and battling my XXXX. I called Navient because I had troubles making payments. The Representative told me he put my account in a non collectible status and to call back when I could make payments. Never once did I receive a letter, but month 3 of not making payments I got a call saying that my account was in collections. My credit score took a very bad hit. I told the manager on the phone that I want a record of the first call and she said I had to get a subpoena. I want that collection to be removed from my credit score because I was following their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America Home Loans provided incorrect information as to where I should wire our down payment for our new home. We ended up following their instructions and wiring the money and were informed later that the funds had n't been received. Our funds are currently in limbo as a result of Bank of Americas 's complete incompetence.

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 2015-05-01 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Asset Management, LLC
State: SC

Complaint narrative:
ok they called me at work and this is all they can send me i was told if i didnt set up a payment plan i would be sent to lenagaiton i was given XXXX hours to make a decision this is what they sent me i can not get a hold of original loan company i did not take out this loan but cant aford to have days out of work PAM, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/2015 Original Creditor : XXXX Original Account Number : XXXX Account ID : XXXX Balance Due : {$650.00} ( Due Immediately ) Dear : This is your final notice concerning your account with XXXX. We have made several attempts to contact you for payment of your account. This notice is to advise you that failure to pay this account within receipt of this notice will result in further collection efforts. 

Please call our office at XXXX XXXX XXXX XXXX concerning this account to avoid further collection efforts. 

This letter is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 






Sincerely, PAM, LLC

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: MD

Complaint narrative:
I called this morning XX/XX/2017 to get them to validate the debt they say I owe to them but I have never had an att account they put it back on my credit once again after it was removed already once before

Company response to consumer: Closed with explanation