vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys
State: FL

Complaint narrative:
I am working with an attorney to file for bankruptcy . Encore Receivable Management  (  XXXX  ) keeps calling me, and will not stop calling me. They start calling me at  XXXX  and call me every hour on the hour throughout the day. Then they start the next day at  XXXX  and call me every hour on the hour throughout the day. This has been going on for more than a month now. I can not do anything about it. I have asked them not to call but they keep calling anyway. It is totally ridiculous. Please help me stop their calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I took out a loan in 2014 with NetCredit for {$2600.00}. I paid on the loan for 40 payments totaling in excess of $ XXXX.I ran into an inability to pay and wanted to work with Net Credit to settle the loan. I even hired a firm to assist. Net Credit was not willing to work with the firm nor myself and an agreement was never reached. My fear is that they are holding back wanting to work with me while late fees and interest continue to accrue at an alarming rate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Premier Student Loan Center
State: TX

Complaint narrative:
I was told by a third party student loan that I qualified for my student loan to be forgiven. they said that {$6000.00} of my student loan had been forgiven and that i would only be responsible for {$3000.00}. They set me up for a payment plan started deducting {$170.00} from my bank for the f irst five months and after that {$10.00} a month. I realized my money was not going towards my loan when I called to ask for the  payment history. I have been trying to reach out to the person who set me up for this student loan forgiveness plan but have not been able to get a hold of him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kenneth, Eisen & Associates, LTD.
State: NV

Complaint narrative:
I have been working with XXXX since XX/XX/2017. I asked for EOB to help resolve any unpaid debt. Upon receiving the EOB I called to speak with XXXX about inconsistency and incomplete bills which they said I owed. XXXX was not in the office so I spoke to XXXX. XXXX began to yell at me and tell me " YOU OWE US THAT MONEY AND YOU BETTER PAY UP ''. I tried to ask him to calm down and discuss this issue and he continued to yell, " YOU DO N'T HAVE OUR MONEY DO YOU ... THAT 'S OUR MONEY AND YOU HAD NO RIGHT TO SPEND IT, YOU BETTER GET OUR MONEY AND PAY US NOW '' I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
I am writing you to report a TILA/RESPA violation regarding Rocket Mortgage. Per the regulation see information below from CFPB webinar and the CFPB small entity guide no online application can require information other than  the 6 pi eces of information that constitutes an application.  Rocket  Mortgage asks me  all 6 pie ces of information and required more information without allowing me to continue to submit an application. I really hope that this is stopped because it is a violation and they are at a competitive advantage in setting their system up illegally. Pease see the screen shots and regulatory information provided below to support my findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE LENDERS OF AMERICA
State: FL

Complaint narrative:
My husband and I closed on a house on XXXX XXXX, 2016 with Mortgage Lenders of America. They notified us about one month after closing that our flood insurance is not federally backed. It is privately backed, which apparently means they are unable to sell off our loan. They sent us the very first statement for our loan, and have not sent anything since. Every month I have paid using my bank 's online bill pay service, but I have no idea that it is being received, or how it is being credited to the account ( I have been paying extra each month ). I understand that they are in the business of closing loans to sell them, but this is an error on their part. There was a delay in closing specifically regarding the need to purchase flood insurance, and what we purchased was cleared by Mortgage Lenders of America for closing. This seems to be in direct violation of the Periodic Statement Rule. I sent an email to our loan officer, XXXX, requesting a monthly mortgage statement to confirm payments and proper allocation of additional funds to principal. This was the response that I received from him : " I told you that we do not have the capacity to service your loan. And is why we needed the FEMA certified flood insurance. To get this sold to the investor to take care of you. I have no idea but will send this on to see if we have been getting them. If you could please provide us with FEMA certified flood insurance we can get this sold and you will get all the payment coupons and a place to pay online and all the things most people have with their mortgage company. 

Thank you, XXXX, NMLS # XXXX Senior Mortgage Loan Officer Mortgage Lenders of America '' As consumers, we did everything they requested of us in order to purchase our home and I feel we have a right to receive mortgage statements and/or payment coupons, and also, basic customer service from the company that holds our mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Norwich Commercial Group, Inc.
State: CT

Complaint narrative:
I applied for a mortgage with my existing company, Norcom Mortgage, in XX/XX/XXXX and the credit report pulled at that time did not show any mortgage late payments. Due to property availability issues, my credit had to be pulled again in XXXX, this time Norcom reported XXXX, separate 30 day late payment marks on my credit report. Obviously, this came as a surprise to me as two months earlier, there were zero late payments reported. The late payments show up starting in XX/XX/XXXX and run all the way up to XX/XX/XXXX. I have bank statements that show every payment made to Norcom Mortgage from XX/XX/XXXX to today 's date - all of which are NOT 30 days past due. I have tried to resolve this with separate calls to Norcom to have my credit report updated so that I can get a new mortgage, but nothing is happening. It is impossible for me to be approved for a mortgage now with this happening. This puts me in a very difficult situation because now that Norcom pre-approved me to buy a new house, we have since listed our existing home for sale - and have a contract for someone to purchase this house, as well as we have entered into a contract for us to purchase a new home, believing that we have the green light to do so. Now, unless this is remedied quickly, I am at risk of losing both the sale of my existing home and the purchase of our family 's dream home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Lawrence A. Patish, P.C.
State: MA

Complaint narrative:
I called the office to request the balance of my judgement. They gave me the total balance. I asked what the balance of my judgement was again, she gave me the total. I said, " how many payments have I made towards my judgement '' she told me, " that was what the receipts were for. '' I asked to speak to her supervisor, her supervisor did not want to hear how rude the collector was to me, she ALSO gave me the total amount. I asked her for just the judgement, she began to tell me how I should go about requesting the judgement amount. I let her know I asked her em ployee 3+ tim es and her twice and if someone could just give me the total amount of my judgement only. She gave me the judgement amount FINALLY. I hung up and as I was hanging up called them jerks. When I called back and asked to speak to the attorney, I was yelled at and told that THEY would n't be treated that way. Not one time did they ever give the mini miranda. The supervisor never said it, neither did the collector. I am pretty sure that is required for every collection call. They also never verified I was who I said I was. Not an address, a  SSN  a birthday. They could have essentially been giving my information to anyone who called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GENTRY FINANCE CORPORATION
State: AZ

Complaint narrative:
Embarrassing phone calls made to my work of employment, harrassments made to my supervisor as well myself. I am currently a single mother trying to get a place for my son and myself, no vehicle and recently divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: P.S.C., Inc
State: WA

Complaint narrative:
I had a judgment placed on me for medical bills that I never received on XX/XX/XXXX, 2017 by Puget Sound Collection Inc. ( PSC ) in the amount of {$5800.00} and PSC court Fee 's of {$530.00} which totals out for them to be {$6400.00}. I noticed the large amounts of medical bills and immediately contacted PSC Inc. and found out that most the bills were due to a L & I claim that I had years ago that multi-care never bill them for but knew it was an L & I claim. PSC and Multi-care both denied that it was but I had medical proof that they knew but did not disclosed this to me or the court. I began to investigate this insane amount. my findings through doing a discovery with a legal aid service & L & I showed that Multi-care knew that most of my bills that I was being persuade for were in fact a claim from years ago. I contacted PSC and was told to take it to court it does n't matter to them if I can prove that they falsified documentation or not it 's up to the court to decide and since judgement was already ordered against me I was told " GOOD LUCK '' after weeks of hard work and labor and taking days off work to attend to this matter I finally submitted my paperwork to the court on XX/XX/XXXX, 2017. I spoke with PSC Lawyer XXXX XXXX XXXX after I saw the judge on my case who set a court date for XX/XX/XXXX, 2017. we had a conversation and he emailed me the next day. and I responded to his email back in reference to my case. we came to an agreement on the amount owed. and paperwork was finalized in court on XX/XX/XXXX, 2017. I went to PSC Inc. dropped off the paperwork that day from the court and came back on the XXXX of XXXX and made a payment of {$250.00} in cash to PSC and noticed that they are charging me fees for court and there lawyer, this is not what I agreed to with the Lawyer that represented PSC Inc? I have attached the following PDF files in the order of events as they occurred.

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 2017-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
I noticed a collection on my credit report from CREDIT CLEARINGHOUSE FOR  XXXX . THEY NEVER NOTIFIED ME IN ADVANCE STATING THAT THEY WERE PUTTING ANYTHING ON MY CREDIT. I am not aware of this account. I sent for validation of this debt and a CEASE AND DESIST TO CREDIT CLEARINGHOUSE. THEY JUST IGNORED ME AND NOW THEY ARE CALLING ME OVER AND OVER. THEY ARE IN VIOLATION OF SEC  809B  IF THE FDCPA

Company response to consumer: Closed
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I called them many times about fraud on my credit report and they still refuse to take those inquiries of my credit than I have an account on my credit report does n't belong to me got a letter from them ( Montgomery wards ) stating that they could not identify the account in dispute and XXXX is still not removing it from my report even I have a letter from the account stating that they can not identify the information on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX 2017, American Express made a decision to limit how I could add funds to my Bluebird prepaid debit card which I have used for direct deposit of my Social Security XXXX benefits for quite sometime. However, they failed to notify me of this adverse action until a letter dated XX/XX/XXXX, 2017. In this letter, they indicated that I was no longer able to have direct deposits added to my account due to " suspicious activity. '' I found out the hard way of this decision at the beginning of XXXX/end of XXXX when my XXXX benefits were not deposited as expected, and I called American Express to learn from a from a representative that this decision had been made on XX/XX/XXXX Apparently the representative was not supposed to inform of this decision. Having XXXX, I know that any adverse action by a bank requires an adverse action letter which I did not receive until after 30 days from the decision and action. This is a clear violation of banking regulations I was harmed by this action because I was UNABLE to get my XXXX as expected on XX/XX/XXXX, 2017. ( American Express is one of the issuers that deposits the benefits payments early. ) I did not receive my benefits payment into my XXXX account until the XX/XX/<YYYY>. 

American Express has been without remorse since this decision. This was a petty and nonsensical decision. How does limiting my ability to have direct deposits from the US government limit American Express 's exposure to suspicious activity? 

AMEX should not be allowed to behave in such a manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have  XXXX  accounts linked with the same account number on my credit report. Its unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account is not my account Midland Funds refuse to validate information proving this is my account. They will not validate account and verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Julem Capital Corp
State: NY

Complaint narrative:
I am submitting this complaint due to the deceptive businesses practices of the companies Julem Capital Corp, XXXX XXXX and XXXX XXXX. I sought assistance with a foreclosure bailout and I was led to believe that they would assist me with a short term interest only loan and then roll the loan over into a lower fixed rate loan for 4-6 % percent when I was ready to refinance. The Attorney 's General Office and the XXXX DA 's Office suggested that I also file a complaint with your division due to the predatory lending nature of the situation. The three companies colluded with the intent to take the property. They gave me the loan in hopes that I would fail so that they could steal the equity in the property. I also believe that I was targeted due to my pressing matter to avoid foreclosure, my divorce settlement as well as the fact that I am a XXXX women who was deemed highly desperate for a bailout. Foreclosure action has been filed by XXXX XXXX XXXX of Julem Capital Corp in XXXX, New York. 
XXXX XXXX believes the best recourse is to TAKE MY PROPERTY instead of doing a greater good by working out a modification to resolve the matter. Hence, the foreclosure action against me. This is what XXXX XXXX, Julem Capital Corp and XXXX XXXX planned all along. Yet XXXX XXXX claimed that he was one of the good guys and he eluded to the fact that XXXX XXXX and XXXX XXXX were the bad guys when he called me in XXXX 2016 to tell me he was the investor with a lien on the property. XXXX XXXX never had any intentions of helping me be whole again by rolling it over to a better loan for me. He was like a crouching tiger waiting to pounce as soon as I made one wrong move. He met me at the property in XXXX 2016 deceptively pretending to be a staff member of XXXX and XXXX XXXX. Later I learned he provided the financing. The way he has treated me since we first met in XXXX 2016 is as if I should not have such a property. He will deny that he said that he would help me get a lower rate. I needed help and the three companies used it to their advantage in a way that benefited all of them with concern about my well being whatsoever. It was false pretense and bait and switch from the onset. I am fully persuaded that I was as well as my property was targeted intentionally. I am unlike their other investors or hard money borrowers or the type of individuals they usually deal with. I was considered easy prey in my estimation of the circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: Total Card, Inc.
State: DC

Complaint narrative:
I applied for a credit card through XXXX and was approved on XX/XX/2017. During this time I did n't receive my card after multiple times calling in reference to not receiving it I finally received it on XX/XX/2017 and I activated it. I had already been charged the Annual Fee of {$75.00} and a Express mail fee of {$35.00}, so I paid the {$110.00} and then they closed my card. I asked them to re-open it because they had obtained the {$110.00} and after 2 1/2 weeks of constantly being told that it would take 3 - 5 business days to re-open the account, I was told yesterday that I would need to pay an additional {$89.00} before they could re-open my account. This is inconceivable and seems to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
This letter is formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Citizens One Banks wrongly clai ms my   XXXX    XXXX  payment has changed from {$600.00} per month to {$650.00} .Last year i submitted auto debits for these higher payments but have since stopped them. I have ( STOP PAYMENT ) letters from the bank for each one auto debit indicating they ( both ) have been cancelled  .The first  dated   XXXX   for the {$600.00} the second dated  X/XX/XXXX  for the {$650.00} payment. My normal monthly contract payment show {$530.00}. On the  Citizens   One  ( website only ) it now wrongly displays {$650.00} per month. On   XXXX    XXXX  and  XXXX   XXXX  it show the correct contract amount of {$530.00}   XXXX  .I did receive a letter from The Chairman  XXXX   XXXX  (  XXXX  ) indicating the payment has been updated but sadly my payments on line ( Citizens  One  ) still showing {$650.00}. When i made my {$530.00} payment it shows a balance of {$11.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I applied for a loan from big picture loan company and they only gave me XXXX now asking back double the money than what I got and their fees and rates are too high.

Company response to consumer: Closed with explanation