vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Western Portfolio Assets
State: NJ

Complaint narrative:
I was contacted by my father, who lives in Florida, telling me that he was contacted by someone trying to serve me legal documents regarding a summons to court for a lawsuit against me. He informed them that I was unable to be contacted that day and took down their information to pass onto me. While he was giving me their information the company called me on my cell phone regarding the supposed lawsuit against me. I informed the person I had absolutely no clue what this was regarding. ( At this point I started to get very upset and worried since I had no information at all regarding this ). I called the company and they answered the phone as " legal services '' followed by introducing himself as XXXX XXXX with Western Portfolio Assets. I asked them for information regarding this lawsuit and then XXXX informed me they were collecting an old debt from a credit card company providing me with only a day that it was opened. No information regarding who the bank was or what company the card was opened with. He then threatened me that if I did n't take care of this on that day then they would take me to court and started informing me about how I would be responsible for paying all court fees and all of their fees for taking me to court and that they could garnish my wages and garnish all of my taxes. At this point I was downright terrified and panicked. He informed me that if I made a down payment of {$800.00} on that day they would drop the lawsuit and set up a payment plan for the remaining money but only gave me XXXX minutes to come up with the money. Due to my fear I simply complied with getting together the {$800.00} for a down payment. Since then I have received no further documentation from them proving the validity of my debt to them. I have also started doing research regarding the legality of this companies practices in my situation and stopped all further contact with them. Now they are calling me again telling me that they are taking me to court and they are even calling my family members under the name of XXXX telling them that if I do n't call them immediately they are filing a lawsuit against me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
I have been getting the run around on a legal description that is incorrectly filed. The loan number is XXXX and the company is PHH Mortgage. PHH originally told me that since the loan was sold to XXXX that XXXX had to make the correction. Upon further investigation and a complaint filed with the CFPB it was discovered that the correction needs to be made by the original company which is PHH. I contacted PHH and was given an apology and told that since the mistake happened before the loan was sold to XXXX that they would correct it. I submitted a request to PHH on XXXX/XXXX/2015 to the email address provided to me but when I followed up 30 days later I was again told that XXXX is who needs to correct the legal description. I asked for a letter of explanation but was told that it probably would not be provided. The representative I spoke to was very helpful but whomever she had to speak with would not correspond with me.

Company response to consumer: Closed
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I do not recall getting, or signing up for this card, it is showing up on my credit report stating open in XX/XX/XXXX, the company closed XX/XX/XXXX, it also shows written off for XXXX, I have since filled bankrupcy XX/XX/XXXX so this should not be on credit report, plus it is almost 7 years later

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Service Center, Inc.
State: PA

Complaint narrative:
The doctor did NOTHING to relieve my XXXX that was diagnosed a few days later by my PCP! I do not want to pay for a service i did not receive!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Secure Lending Incorporated
State: MI

Complaint narrative:
At the end of XXXX 2015, I was contacted by Secure Lending Inc at XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX to Refinance my home Mortgage. Within XXXX days a notary was at my home having my wife and I to sign papers and give documents. The process was to conclude by mid XXXX. However continue to get requests for similar documents and the mortgage did not closed in XXXX. Reason given the Finiance company was slow with process. We were told not to pay XXXX 's mortgage, so when it did not close, we had to pay a {$63.00} late payment. We continue into XXXX 2015 and received repeated request for docucments, which we supplied. We got to the end of XXXX and gave them all requested information. Mortgage still did not closed. Reason given Secure Lending did not review documents and Mortgage was rejected. We had to pay another {$63.00} and it resulted in our mortage being paid after XXXX days, causing issues with our lender and damage to our credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
i have car loan that i did not sign for and i asks for validation but never received

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PDM is reporting on my credit report that they charged off the account, but I have been paying them every month for the last 4 years and 8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
well i got a loan from credit acceptance corp for a XXXX dodge caravan that put it at XXXXthey repo my van with no calls are mail i was be hide in paymeants and book price is XXXX not XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: The Receivable Management Services LLC
State: NV

Complaint narrative:
I received a call from Receivable Management Services XXXX. They requested that I identify myself. I did, and then I asked who they were. They refused to give me that information, but insisted dthat I had to give them all my personal information. I absolutely refused and they hung up. I called them back by the caller ID and found out that the call was about a XXXX bill. I promptly called XXXX, and I got the issue resolved. It was a mistake on their part. The account had been written off for service issues, but someone accidentally sent it out for collection. My complant still stands against Receivable Management services for not properly identifying themselves. This is a violation of Federal Law. They must tell you who they are and why they are calling. It is also against Federal Law to require that someone tell all their personal information before knowing who they are talking to and why.

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 2016-08-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: TX

Complaint narrative:
they are calling my mother threatening her that they will send the constable to my house and that i am XXXX payments behind and discussing my debt with her.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: ID

Complaint narrative:
XXXX continues to call daily. In XXXX of this year I was offered a settlement by said company to pay off a closed XXXX account. I took it and paid {$170.00}. This month they began calling stating that XXXX refused the settlement and I still owed the remaining balance. I stated to them that they need to refund what I paid and I will be happy to continue with the payment plan I was current on. Because by accepting payment and sending me a paid in full receipt debt was paid. Calls continue.

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 2016-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Central Holdings, LLC
State: OH

Complaint narrative:
I have been receiving numerous calls from Credit Central at XXXX trying to get in touch with my sister-in-law that I have not spoken to in two years. I have no idea where she is located and I did not give her permission to give my personal identification as a reference ( ever ). I have asked this organization at least three times to remove my phone number from their records. Just this week I received a call on XXXX/XXXX/16 and XXXX/XXXX/16. I told them again to stop calling me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: WA

Complaint narrative:
I received a collection notice in early XXXX XXXX from The Receivable Management Services Corporation ( 'RMS '' ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX alleging an unpaid debt to XXXX for a hotel reservation in XXXX XXXX. I had completely resolved the issue in XXXX XXXX with customer service at both XXXX and my credit card company. After receiving the collection notice I again confirmed with XXXX that my account was in good standing. XXXX stated that they did not utilize third party collection agencies. 
The notice from RMS contained reference numbers that XXXX was able to use to look up my reservation. Somehow RMS has improperly gathered details of my hotel reservation without communication with XXXX. This is a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
I am in a repayment program with the XXXX. I have been making successful monthly payments at the agreed upon amount for the past nine months. The XXXX has my correct contact information. For no valid reason, the current account assignment, GC Services LP, has dug deep to try and harass my family. They were caught calling my mother asking for my XXXX brother so they could ask him for my contact information ( despite already having it? ). It is unclear how they knew my brother 's name, seeing as I have never provided it on any loan document and would have no reason to, since he 's XXXX. When I called GC Services LP to complain, they said they " have resources '' to find such information. This debt collector should be immediately removed from all approved contracting lists of the federal government and the XXXX needs to quit wasting my tax dollars on " assigning '' paid up accounts to unnecessary debt collectors just because at one time in history I had no means with which to pay. A valid, paid repayment agreement directly with the Department should immediately bounce a loan account out of the XXXX XXXX and back into the XXXX XXXX system. It 's really not that hard to not waste my tax dollars. Try it sometime.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I never opened a account or done business with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
XXXX XXXX of United Collections Bureau called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS LENDING CORPORATION
State: OH

Complaint narrative:
I have a section XXXX voucher and applied for a mortgage loan with nations lending. They had me go through full underwriting before they would attempt a preapproval, even though my credit was good. They ( XXXX XXXX ) finally ( after 4 weeks ) pre-approved me for a USDA guaranteed loan for {$130000.00}. I ran the numbers myself according to the XXXX technical handbook ( I used to work XXXX ) and got close to {$200000.00} for a proper loan amount. I questioned them on this, even sending them the links to the USDA handbook, and they ( XXXX XXXX, XXXX 's manager ) DROPPED my pre-approval to {$110000.00}! I think they are doing this because I am a low-income, XXXX borrower using government assistance, and that I have a large family of XXXX. XXXX mentioned that the amount lowered " after running it through automated underwriting '' but the XXXX handbook says specifically, in our situation ( where the XXXX voucher is paid directly to the lender and does not pass through the hands of the borrower ), that underwriting must be done by hand, so I KNOW he 's lying because I already sent them the instructions they were supposed to follow. I do have emails that outline all of this that I can forward to any investigator. I do n't believe it was appropriate to make me go through the full processing and underwriting before they " pre-approved '' me ( I 'm sure they do n't do that for OTHER borrowers ), I know they are n't processing my loan correctly, and I know they are n't following very clearly spelled-out rules the XXXX has for this loan. I do believe they are either trying to get me to NOT buy a home at all ( it would be exceedingly difficult in this area to buy a home large enough for XXXX people on {$110000.00} loan ) or trying to mitigate their own lending risk ( which would be illegal to give me different rules governing my loan application that they do not apply to others. ) If anything, with the good credit I have, limited obligations, and a very stable income ( XXXX ), plus the Section XXXX voucher to help me pay the mortgage, I should be a BETTER candidate for a good mortgage!

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 2016-01-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
During XXXX, 2015, I placed a fraudulent alert on my credit report against my Social Security Number. After three four months I requested Experian and XXXX to please remove Fraud alert against my SSN so that I may get credit card, mortgage loan and some other financial products but these credit bureaus are not responding to my request and turning a deaf ear to my question. I also submitted them my written request for removing fraud alert my my effort remains futile. Now I hereby request you to please persuade all XXXX credit bureaus for removing fraud alert against my SSN on my credit report and kindly keep me informed in this regard as I have to raise my kids, and want to take care of their financial needs. Matter may be considered on urgent basis please. If you want postal authorities receipts of my mail that can be provided on demand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.

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 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
i am following up on a re investigation dispute sent in on XX/XX/2016, Received XX/XX/2016 and signed for at XXXX. today XX/XX/2016 I am speaking with an Experian XXXX. She states the company you have dispute with has 3 options 1 ) Remain 2 ) Delete 3 ) Closed I ask on my second dispute to get validation on this debt with my signature, SS, DOB? 

She replied as this creditor is signed up electronic and does not have to show or provide a copy of my signature or and personal information. it is simple the 3 choice above. 

I went so far as sending a police report stating identity theft and this could possible be an account that drive from it. So they kindly placed me on internal hold and the out come. not removed. Creditor Validation with a 1 of 3 choice nothing more. this is not fair

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 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/XXXX and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, EXPERIAN, AND XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/2015 I applied with " XXXX XXXX XXXX '' on line to refinance my student loan. And I was wrongfully " denied '' credit based on the numerous " False Information '' that the " Experian '' Credit Bureau has in my credit file due to my being the victim of " Identity Theft. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Other financial service — Credit repair
Issue: Unexpected/Other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian was one of three credit agencies I used to collect my free annual credit report. Because credit reports do n't actually present your score, I purchased one online from Experian for about {$5.00}. 

During this process, I apparently agreed to a recurring monthly membership fee of {$20.00}. I agreed to no such thing, at least not voluntarily. It is possible I missed some auto-filled check box or something else that indicated as such. 

I contacted Experian about two days after the charge posted to my account to explain my situation. After talking to her supervisor, XXXX, the support person, said they only offer refunds for 24 hours after payment. She offered to cancel my service, and I accepted. 

I believe it 's unethical to offer one service, and then use a confusing, deceptive, or unclear user interface to trick site visitors into purchasing unwanted services. I 'm not an XXXX or a Internet newbie, I kept watch for such things and still missed it. 

Mistakes happen, and Experian should be required to acknowledge my mistake and refund my {$20.00}. I have a family XXXX, every dollar counts, and I 'm trying to repair my credit, not provide a target for corrupt companies that claim to care about my circumstances. 

Sincerely, XXXX

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