vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
A rental property manager and collection company for a landlord made collection attempts. A debt verification demand was sent and the collection company listed repairs done on property. A specific demand for receipts and invoices were repeatedly demanded and the collection company has failed to respond. Almost two years have passed and the derogatory credit reporting concerning this matter still remains on consumers credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I have sent multiple letters asking for copies of proof of the legal notices and proof of the commercially reasonable manner of resale of a vehicle that American Credit Acceptance is claiming to be repossessed. The first letter was sent on XXXX XXXX, XXXX. This letter was sent certified mail return receipt and I have proof of delivery. This letter was received by XXXX XXXX XXXX XXXX, XXXX. This letter was asking for copies of proof of the legal notices and the commercially reasonable manner of resale of the vehicle in question. 

Under the laws of the State of Georgia UCC XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I asked American Credit Acceptance to provide proof within 14 days from the receipt of this notice or the claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

There was no response from this letter. I then sent a follow up letter on XXXX XXXX, XXXX reminding American Credit Acceptance that they have failed to respond to my letter to them in a timely manner, and requested that the remove their entry on my credit reports ( XXXX, XXXX, and XXXX ) within the next 14 days of receiving my letter. 

I believe my request were reasonable and American Credit Acceptance has failed to respond in a timely manner. This is a fraudulent claim by American Credit Acceptance on my credit reports and American Credit Acceptance is now in violation of both the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc.
State: FL

Complaint narrative:
This letter is to file a complaint with the Consumer Financial Protection Bureau on a strong violation of the Fair Debt Collection Practices Act. The posted collection letter I received pertains to a foreclosure that happened nearly ten ( 10 ) years ago. The foreclosure action based upon Florida statutes in essence wiped out the second position. The original creditor, XXXX XXXX XXXX, XXXX may have had a position to file a summary judgment action against me personally, but the chances of that motion being successful were highly improbable. Therefore, this entity known as XXXX XXXX XXXX, XXXX had only one process to obtain financial consideration, that method being an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria is as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, assuming that the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
ClearSpring Loan Services does not own the debt originally procured with XXXX XXXX XXXX, XXXX. This is a fact that can not be denied. This agency never took ownership of any debt, and is operating as a debt collector for a third party, thus the Fair Debt Collection Practices Act comes into plat. Secondly, the debt information was received through a debt pool arrangement, and the fact that ClearSpring has in its possession my personal information such as my social security number is truly an identity theft matter that should be looked into more deeply by the Federal Trade Commission/Consumer Financial Protection Bureau, as well as the Office of Attorney General, state of Florida. 
I demand an immediate purge of my personal information, a statement to that effect sent directly to me and the Consumer Financial Protection Bureau, and a letter of apology that I will hear from this collection agency no further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Coradius International LLC
State: VA

Complaint narrative:
I received a XXXX debit card in the mail which I had NOT requested. The card was sent to my home address in the name of " XXXX XXXX. '' I immediately called XXXX to cancel the card and to find out what had happened. The representative acknowledged that the account had been opened using stolen information. I subsequently communicated with the XXXX representative by e-mail ( which I have ) to confirm that the account had been closed and that the matter was resolved. I am now being harassed by a debt collection company ( American Coradius International, LLC. ) with respect to amounts owed to XXXX relating to the fraudulently opened account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
This claim should have been file under my XXXX insurance and I had have never received no notice of Collection this must be removed from my credit file since the collection company failed to reach me or contacted me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I do not have a loan with United Auto Credit, however, Employee of United Auto Credit utilized company systems to skip trace and gather private/sensitive information on me and family member for personal harassment. UAC did not notify me that my information had been searched, once they completed their investigation, I was not notified of what information had been accessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
The loan has an escrow payment attached due to a property tax non payment that is now 18 months ago. The taxes have been serviced the payments made insurance maintained. To be specific Bayview Loan Servicing has made two tax payments totaling {$4400.00} and I have made one over the period of the supposed escrow. All other payments have been made by myself. The mortgage company stated over the telephone several times the " escrow '' payments would be complete and the loan would return to the original loan payment in XXXX of XXXX. The overpayments have amounted to over {$10000.00}. The amount was to be returned to myself at the end of the escrow period. The escrow period was to be from XXXX XXXX ending in XXXX of XXXX. The XXXX payment includes the escrow payment again with a confusing " reset '' of the escrow amount claimed. When the company has been concatenated by phone the explanation has never been clear and the unknown escrow amount and timeframe now open ended. 
We have also had a problem with holding of payments for 10 days after mailing resulting in late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc.
State: PA

Complaint narrative:
I have been receiving numerous calls from Monarch Recovery ( somewhat unintelligible ) on a regular basis. I researched this company and they are a debt collection company. I do not have any debt or credit problems. They are calling from XXXX. Calls vary by days and by times and and are interrupting my land line phone service with their robocalls. What can be done to eliminate this. From the internet, I see where there are many similar complaints. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
Mortgage company, Bayview Loan, are sending me statements and increasing my mortgage stating they are escrowing my tax. I pay my own taxes and can show it. One month they created a credit card on my profile at the town of XXXX website and made two payments on my taxes without informing me and then I paid these taxes as well. As a result there was an overpayment. I complained/spoke with the town of XXXX tax collectors office and set up monthly payments to the town of XXXX for my real estate tax. The town of XXXX reversed the payment that Bayview made, however Bayview is sending me statements charging me for taxes they anticipate they will pay ( even though I sent them a letter stating I do not want them to pay my taxes ), and are continuing to charge me escrow and increasing my monthly mortgage saying they are paying my taxes, when I am already paying them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
most of these debt are really outdated I would like to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I received 2 emails from FCS Advance Loans, the first email was sent on XX/XX/XXXX and XX/XX/XXXX. The first letter I received on XX/XX/XXXX it was sent to my personal gmail account and in the letter they claimed I owed a debt of {$840.00} and threaten legal action, credit reporting, and garnish wages. After I received this letter I ignored it because I knew I did not apply to this loan and I am not familiar with this company. 

Fast Forward to XX/XX/XXXX, I received another email from the same company claiming that I owed {$840.00} and threatening legal action, credit reporting, and garnish wages. This time I responded to the email stating that I did not apply for this loan and that I did not appreciate the threats. A person name XXXX XXXX respond to my email stating he wants to settle thie balance of {$840.00} or else. 

The first email from FCS INCORP on XX/XX/XXXX ( the file number is XXXX and balance is {$840.00}. The email address is XXXXXXXXXXXX and phone number is XXXX The second email from FCS INCORP ON XX/XX/XXXX the file number is XXXX and amount is {$320.00} Initial Loan and Total Out Standing Balance is {$840.00}. The email address is XXXXXXXXXXXX and person number and phone number is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The Eastbrooke Group LLC
State: NV

Complaint narrative:
I 've continue to receive calls from a company called Eastbrook group who have threatened me stating they have sent police officers to deliver some documents in regards to check fraud claim. I received a phone call from XXXX XXXX who claims she is from the XXXX fraud processing department, requested for my current address information and if I did not respond the XXXX XXXX will issue a warrant to have me arrested. I do n't know what this debt is for, let alone I have not lived in California for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
People 's United Bank mortgage scheduled to close on XXXX/XXXX/2016. Closing pushed back because of delayed appraisal report. Rate lock@3.25 % expired XXXX/XXXX/2016. No extension was singed or filed with lender. ( Loan officer on vacation ) Lender verbally explained rate lock would float without an extension and I would receive current market interest rate if no extension was filed. Closing disclosure dated XXXX/XXXX/2016 for XXXX/XXXX/2016 closing has old expired locked rate of 3.25 % current market rate decreased to 3.125 %. Lender refuses to honor current market rate of 3.125 % for XXXX/XXXX/2016 close. Lender refuses to show proof of People 's United Bank rate lock policies that state after my rate lock expired I am not eligible for the current market rate. Lender refuses to give supervisor/directors contact information so I can receive documentation of rate lock policies. Lender is predatory lending and not adhering to bank policies in order to increase profit by closing on a mortgage with a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates
State: FL

Complaint narrative:
On XXXX XXXX 2016, I received a letter from the Creditors Bureau Associates of XXXX collecting payment for XXXX XXXX, account number XXXX ( XXXX Notice ). I contacted XXXX XXXX from the company and found out that the actual collection was for the XXXX XXXX of Georgia. I told XXXX XXXX that I will contact my insurance and investigate the issue. Since then I have relocated and do not have time to follow up with the status of the insurance company. On XXXX XXXX 2016, I received another letter from the Creditors Bureau Associates XXXX informing me that my past due account which is now XXXX, has been report to the Credit Bureaus XXXX XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Despite repeated requests, Bayview Loan Servicing , LLC has failed to correct the monthly payment due amount on my account and continues to erroneously report my account as late to the credit reporting agencies, thereby adversely affecting my credit. In addition, Bayview unilaterally altered the terms of my loan to include an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
There is three accounts that was previously with a different collection agency and it took a very long time to get resolved seeking financial assistance and i also called making sure it wo n't get on my credit report while they approve me and they agreed it would not and it finally got resolved and off my credit report. Now a different debt collection agency is trying to collect funds that is not owned and already resolved. I am so tired of these collection agencies either threatening me calling to much or not having accurate information no letters on file for notice. i never got a letter in the mail from Phoneix if i would have i would have been able to explain with them instead of taking the next protcal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LendUp Loans LLC
State: AL

Complaint narrative:
I got a loan from lend up XXXX dollars till my next payday they would withdraw XXXX and some change but for some reasons I get a call from my back fraud prevention center something about XXXX XXXX and they had ran this 9 times is XXXX dollars. I Thinks company is a scammer or some not legit XXXX And some strange reason they sent me a txt messages regarding this account from this number XXXX thats not happen accounts are discuss I know this company have several financial lending and collecting practices.

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 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lamont, Hanley & Associates, Inc.
State: MA

Complaint narrative:
Received Debt collection from XXXX for which I do not owe any money. Called several times indicating that no money is due to them. However, they continue sending notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Just started working, received my XXXX paycheck and wellsfargo student loan service took all but {$200.00} out of my acct. I never gave them permission nor my account info. The bank did an " investigation and left a voicemail stating they were not refunding the money and that I need to call the student loan company. I will be closing my account on Friday. Wells Fargo is the bank and the student loan company. The student loan was supposed to be differed. They made no attempt to contact me before taking money. After the money was taken, I received a letter stating they were using the " reset ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
I went into First Virginia loans in an attempt to get a loan for about {$600.00} to get my A/C fixed during the hot summer months. I am a diabetic and extreme heat makes me feel very sick. My A/C wasnt working at all. They talked me into getting a larger loan and said that it would be paid off until 8 months but I had flexibility with the payments, but I dont. I have been paying {$850.00} per month for almost 2 years to try to pay this off because the interest rate is 150 %. I am NEVER going to be able to pay this off. I feel as though I am trapped and with my medical expenses for my XXXX and XXXX I feel I am stuck. I called the store to get help but they told me that I needed to call corporate, but corporate said that they cant help me because I am not in default. That 's is insane because I am trying to keep from getting into default. This is predatory lending at its finest! Once you borrow the money, you have to re-borrow forever just the be able to pay your normal expenses because of the unrealistic interest rate and monthly payments. This should be against the law. This is trapping consumers in a downward spiral.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
We have case open # XXXX XXXX with your Consumer Financial Bayview and XXXX XXXX XXXX took over 4 years to modify the clients account, Bayview posted all trial payments on time with out any late fee into Suspense we complaint because Bayview had not posted payments and place in suspense. They recently posted the XXXX that was in suspense but, they charge late fees that client was never late during this time and balance after the XXXX plus went from {$360000.00} to {$350000.00} the payments have not been posted correctly need this matter resolve because Bayview has kept the payments on suspense four years and allocation is not done correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened up a private label credit card with Wells Fargo Bank for the XXXX. This account had a {$1400.00}. credit limit and was opened in XXXX 2013. 
Purchases were made on the card in XXXX and XXXX 2013. All payments were made on time, and the account was paid in full. 
I went to use the account in the last week and discovered that it was closed unilaterally by Well Fargo. This was without any prior notice, or without any negative action on my part. 
When I called them up, they told me that the account was closed due to XXXX months inactivity. 'I was informed that if I wanted to, I could re-apply for the card in person at XXXX of the XXXX XXXX locations. The closest location is XXXX minutes away from where I live, and there is no ability to apply online. 
There was no notice of this 18 month requirement in either the consumer credit agreement I signed, nor their current agreement. 
This has had an impact on my credit as it has reduced my available credit. 
I feel this was an arbitrary and capricious action on their part, as well as a poor customer service action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation