vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
My tax return was has been garnished twice for a total of about XXXX dollars for a debt from 2007. Last month, XXXX XXXX incorporated sent me notification stating I owed them XXXX, I called and asked them why I have not once received notification prior to this latest letter regarding the debt, they stated they send one out annually. I 'm blown away that they can double the debt and collect on something over 10 years old and never send me anything stating I owe them money. The debt does not show on my credit report either.

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 2015-04-29 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: Army and Air Force Exchange Service
State: KY

Complaint narrative:
My military star card was paid off in a bankruptcy. The company has ignored my request to update the status of the account as " current in accordance with bankruptcy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Financial Credit Service, Inc.
State: AZ

Complaint narrative:
In XXXX of 2015 I was contacted by the ARA account recovery service concerning a XXXX Bank credit card which was a debt over 12 years old.I agreed to a pay off of {$950.00} which they agreed to over the phone I paid them off at XXXX per month for 5 months. which I have Bank statements to prof it.My last payment was in XXXX 2015..I was just contacted this month XXXX and billed for the same account stating that they had bought it from someone.I called them and told them I had paid this debt off to them ARA in XX/XX/XXXX.They said that they would check it.When they called me back they said I only paid {$750.00} .I told them I had Bank statements showing I paid them $ XXXX.At this time I requested that they send me their payment account showing the date and amount that they had on file.They refused to send it to me.I asked them if I owed them anything on my account why wait for 8 months to contact me .I am sure debt collection agency would not wait 8 months to collect on my account.They had no response for their actions'The pay off had been agreed to of {$950.00} .When I told them this over the phone, they composed a new letter with new numbers.If I had not old them of this they would have treated this account as a new XXXX now they sayv I owe $ XXXX {$750.00} and now they want $ XXXX.If evident from this that they have a accounting problem and management problem. Please help me because they made an error and now trying to cover it up and make me pay for it..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I have been trying to dispute this debt on my credit report from a company called Trident Asset Management,, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with XXXX but XXXX claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked XXXX to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stallings Financial Group, Inc.
State: FL

Complaint narrative:
The billed amount was not sent to the insurance company. The doctor office never said it wil be my responsibility. i am a student and cant afford the whole amout

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
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Eltman Law, P.C.
State: FL

Complaint narrative:
I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX County Court today. I have done research on the Plaintiff, XXXX XXXX and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX year old child on less than {$XXXX} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at XXXX time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Consumer portfolio control company, threatened wage garnishment, lawsuit and arrest if i do not pay them on an account no longer on the credit report. this company calls me everyday from XXXX this is a XXXX California number and said If I pay the debt they bought they would quit calling Stop these people dead in their tracks they use terrible tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
I received a phone call from the company and was given an ultimatum to pay or be sued. I tried to call back to set up a payment plan to payoff the debt, but all my attempts have failed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
XXXX is reporting 17 late payments on XXXX Credit report illegally after the date of discharge on the following account after repossession / charge off date. Ford Motor Credit is also reporting on my XXXX XXXX credit report 47 lates after repossession and after account was closed and charged off Ford Motor Credit- # XXXX To report lates on closed account is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MI

Complaint narrative:
Multiple constant calls by robo dialer calling and hanging up constantly at XXXX seconds or XXXX seconds, leaves vmail once on occasion this a debt collection company information is given as follows E.G.S XXXX XXXX XXXX, XXXX PA XXXX. the company is using a number that is blocking caller id and comes up with only XXXX and number unavailable information was retrieved on company via voicemail message left one time on recording and third party contacting company and obtaining information about the company. -company refused to provide legal compliance information as well., on each day in XXXX starting on XXXX XXXX XXXX XXXX called again XXXX XXXX, then on XXXX call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, on XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX XXXX XXXX second call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX pm XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds ... .. The calls are Repeat and autodialing they are also blocking caller id and attempting to harass contact by repetitive calling and harassing these violate multiple FTC, FDCPA, CFPB Laws in accordance with the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
My FHA mortgage # was issued in 2009. According the HUD website, the monthly insurance premiums may be cancelled after 5 years ( if the mortgage terms exceeds 15 yrs ) and the LTV is 78 % or less ( based on origination appraisal ) and on time payments. I meet all requirements. I asked my mortgage company over a month ago to cancel this. They send they were 'sending a form. I have n't a word since. I want this cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Loan Number : XXXXTo : XXXX XXXX Executive Response TeamRegarding : Illegal Tactic of ForeclosureXXXX XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead XXXX. The servicer of the loan is PHH Mortgage XXXX. As you can see in the Notice of Trustee 's Sale XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX does not exist only your name. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : XXXX and all other Civil Codes that applies. 
1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain XXXX involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 XXXX Explain XXXX Bank XXXX involvement14 ) Explain XXXX XXXX XXXX involvement15 XXXX Explain Mortgage Electronic Registration System involvementTime is of the essence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
I have a mortgage through PHH ( account XXXX ) and I have fallen behind on payments due to my nasty divorce. I communicated with PHH trying to obtain some relieve to no avail. Case Manager was XXXX XXXX. I filled paperwork out twice and heard nothing back until they started talking foreclosure. I finally was able to borrow funds to cover the past due amount of my mortgage and when I tried to pay PHH multiple times during the past XXXX to eight weeks, they kept referring me to a law firm XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX. I tried communicating with the law firm several times XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ; XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX was no help as all she said was they were waiting on mortgage company to provide figures. XXXX XXXX said he would e-mail information when he received it and I received it on XXXX/XXXX/XXXX. I called PHH on XXXX/XXXX/XXXX and spoke to XXXX, a manager. He said the attorneys office have had the figures since early XXXX and tried to do a XXXX call with the Law Firm.. He advised that records indicated they sent me a letter with the figures about three weeks ago. I advised I never received the letter and requested they resend the letter. I still have not received the alleged letter. 
As mentioned above, the Law Office kept telling me to wait till I received a letter from them. I informed them I was trying to pay and still received same response. I received an email at XXXX on XXXX/XXXX/XXXX stating what I owed ( this amount with wording used was ambiguous at best ). They have included in the amount owed almost {$3000.00} in foreclosure fees. The letter was dated XXXX/XXXX/XXXX and gave me XXXX that same day to remit total payment addressed in that letter along with any additional monies that may be owed as I was directed to call attorney office for solid amount owed. This is unacceptable. It appears that they have employed delay tactics in order to charge me the foreclosure and attorney fees. I want to bring my mortgage current but feel it is not right having to pay the foreclosure and or attorney fees since I have been trying for 6 plus weeks to pay this current and have received the run around and conflicting information from PHH and the attorney firm they hired. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: NE

Complaint narrative:
A debt collection agency has been repeatedly calling family and friends to contact me when I never gave out the info of those people that they call. I 'm willing to talk to the agency, however they never make attempts to call my phone. Instead they keep calling third parties that are in no way a part of the debt nor should the agency have their numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Integrity First Financial Group
State: TX

Complaint narrative:
I applied for a refinance through a real estate agent, sent in all the required paperwork, esigned all the required paperwork, and paid for an appraisal. Once my file was in underwriting, the underwriter told the realtor my 2015 tax return was incomplete because XXXX was not filled out, and the return needed to be amended. I did not fill out this part of XXXX since I filed form XXXX. I was told once the underwriter received the amended return the loan would be approved. I told the realtor I did not agree with this ruling because I felt my return was filled out correctly and no amendment was needed. I said this for the reason that when you file form XXXX, you do not fill out XXXX ; you do not do both, it is one or the other. The realtor told me it would be great if I could get that in writing where she could submit the letter to the underwriter. So, I contacted XXXX attorneys ( XXXX being a tax attorney, XXXX being a real estate attorney ) who confirmed that when you file form XXXX, XXXX should not be filled out. The underwriter was wrong, and the attorney did write a letter to this effect that I submitted to the realtor, who submitted it to the underwriter, and some more people involved she told me. In the meanwhile, the realtor informed me that when a decision is not made in 30 days, what she could do is withdraw the loan until I either amend the return or produce the letter. The loan was neither approved or denied at this point. To my surprise, I received papers in the mail indicating I had withdrawn the loan, and in terminology as if the loan had been denied. To date I have not heard one way or the other what the outcome was after reading the letter from the attorney. I am most upset over paying for an appraisal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I received a demand letter from Credit Corp. Solutions, Inc in the amount of {$6900.00}. 

I am disputing this demand letter of XXXX, because it does not belong to me. I want proof of this debt of identity of who opened this account. 

Also, the demand letter was written in XXXX I do not read, write, or speak XXXX. This letter should have been written and sent to me in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I 'm the XXXX XXXX on a property in CA that will be a short sale. There have been several offers. XXXX were approved in the past, but XXXX buyers walked-away because it took too long to get the approval. We received another offer with the exact terms as the previously approved offer in XXXX XXXX and submitted to PHH immediately. PHH has repeatedly asked for documents to be sent and resent to them multiple times which we always did within hours of their request. The borrower has just received a NOTICE OF TRUSTEE SALE which is scheduled for XXXX XXXX, XXXX while the Short Sale is still in process. We can not reach anyone at PHH. The contacts we have at PHH are not returning telephone calls or e-mails. In the past, they have always responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
This is a complaint about Ocwen Loan Servicing. I started the process of loan modification XX/XX/XXXX. The process was finalized XX/XX/XXXX. This is 4 months later than when they told me it would be finalized. During the process I made every monthly payment agreed upon. In XXXX I received a statement stating my next payment was due XX/XX/XXXX. I called to verify this date. I was assured everything was set. I made on time payments XXXX, XXXX, and XX/XX/XXXX. Two weeks after my due date in XXXX I received a call saying I was a month behind. This made no sense since I had all the statements saying I was not behind and was paying on time. I requested a work order to figure out what happened. The person who called me could not give me a reason why I had XXXX statements in XXXX that said different things. After they investigated they realized there was an error in funds being transferred etc ( something I do n't really understand ) during the loan modification process and basically I was just a month behind. I explained I could not pay an extra mortgage payment. I 'm on tight budget hence my decision to do a loan modification in the first place. They did not care. Not their problem even though they created it. I am now trying to catch up so I 'm no longer behind and ca n't pay other bills. They are now charging me late fees which makes it harder for me to catch up and my credit score has been damaged. Also almost immediately after just finding out I was supposedly behind I started receiving letters threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlantic Credit & Finance, Inc.
State: NY

Complaint narrative:
The company Atlantic Credit & Finance keeps calling me at work even tough I have told them to stop calling me at my job. 
Since I told them not to call me at work, they have called me close to ten times after. 
What are my rights? 
Thank you, XXXX XXXX XXXXXXXXXXXX

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 2016-09-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
I am a victim of a online scam. I used money gram to send the money and after finding out that it was a scam I contacted money gram to see about recovering the money, they wo n't give me info. And are n't trying to help recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
Manufacturers and Traders Trust ( MTB ) is a part of a mortgage fraud against the, ESTATE XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NCXXXX. 
Since XXXX, I have been corresponding with MTB about the loan that was cancelled by XXXX on, XXXX XXXX, XXXX, after filing an affidavit for lost note on XXXX XXXX, XXXX .This was ten months later .Because of the time span, this was not likely to have been done in error. 
When contacted, MTB repeatedly assured me that they had nothing to do with the this loan. 
XXXX, who I believe is a co-conspirator, wrote that they had acquired servicing of the mortgage in XXXX, and had sent payments to MTB, the holder of the note. 
MTB wrote, they held XXXX files in their vault, but returned them to XXXX in XXXX. MTB said XXXX XXXX XXXX was the servicer at that time and that they had not received any of the payments made. 
Research has shown that MTB was perjuring themselves in all the information they sent me. 
Recorded documents show a list of mortgages XXXX XXXX XXXX XXXX serviced for them. The mortgage in question, XXXX XXXX series was on the list. This can br found in BK.XXXXIN XXXX, NC XXXX online register of deeds .I have spoke with people in the lien department and they have denied having this mortgage. 
I was told the name, XXXX XXXX, or the address was not in their system. 
It appears, XXXX XXXX, XXXX and MTB, are trying to cover for each other. 
MTB knew all the time that this note was with them. At first, they seemed to be trying to help me, now I know they were not. 
I will send the docs tomorrow. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX -- -- -- XXXXXXXXXXXX

Company response to consumer: Closed with explanation