vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
The collection actions of Lazega and Johanson has caused my family mental and financial anguish. Back in 2014, they froze the bank account of my son XXXX XXXX, who was not listed as a debtor on the case in any regard. He was a XXXX student and the funds that they took were from Student Loans. This action alone merits that the firm be disbarred and license suspended from practicing law. The matter has not stopped there. After garnishing my spouses paycheck for a period of 6 months, they have not turned the fund collected over to the debtor to update the files ; I called to inquire about the balance and they could not provide me with accurate accounting details ; I am requesting that my files be updated with the XXXX XXXX and a detailed ledger be submitted to me to show all payments received. I am also seeking legal recourse against this company, because of the mental anguish my son experienced. He was not listed on the case and should have in any way been held liable for any thing. Their actions left him without money for food or gas while XXXX hours from home. Please assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
In XXXX 2009, my wife and I declared Chapter XXXX bankruptcy. To my recollection, we did not include the mortgage in our filing, as we wished to remain in the residence. Since the filing, we have made regular monthly payments on the mortgage account in a timely manner, as agreed, amounting to some {$37000.00} dollars. 

Recently, while checking my credit rating, I discovered that in XXXX of this year, it dropped by some XXXX points, caused by the bank holding our mortgage reporting that the account had been closed due to the bankruptcy and showed a XXXX balance. 

Subsequently, I learned that the bank had created a duplicate account and is treating the new account as though the bankruptcy had never occured, including sending me a recenty notice that an update was needed on the insurance coverage for the condo.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA financed my vehicle and when I became unable to pay, due to medical XXXX and XXXX, they agreed to work with me upon my return to work. However, while they took my payments, they ultimately repossessed the vehicle. I did not hear anything from them, even after I called repeatedly about reinstating my loan to keep my vehicle. XXXX months later, I received a letter that they sold the vehicle for {$3000.00} and I had a balance of {$15000.00} to pay. I never receive notice that they were going to repossess the vehicle despite my payments, nor did I receive notification that the vehicle was being sold and how could they sell it for such a low amount, leaving me with such a high balance. Given that Santander Consumer USA, has been named and settled in several predatory lending practices, including fraudulent fees and improper repossession, I would like to file a complaint and ask that consumers be protected for this company. ( https : //www.justice.gov/usao-ndtx/pr/justice-department-reaches-settlement-santander-consumer-usa-resolve-allegations. ) I am now fighting to get this removed from my credit, so it appears they are not only hurting consumers financially, but also stopping them for recovering by reporting their fraudulent acts as truth on their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: SD

Complaint narrative:
On XXXX XXXX my bill pay service sent a payment of {$22000.00} to Chrysler Capital. These the pay service says the payment should be there with in XXXX days. Every previous payment to Chrysler financial were processed within XXXX days. Oddly the early payments were processed after XXXX of the month when payments sent as early as the XXXX. After XXXX business days of the last payment, it still was not applied to my account at Chrysler Capital. I called my bank and Chrysler Capital to find out why it has not been processed. This payment was a e-check and are received the almost immediately by the the place receiving the payment. Chrysler Capital said they never received the check and the bank service could not understand why, since all the previous checks were accepted. Chrysler Capital should be able to have any payment processed within XXXX business days of receipt. Today XXXX XXXX the check was process, after Chrysler Capital reported to the bank the form of payment was unacceptable for a pay-off. My bank absorbed the cost of stopping the check, XXXX houring of delivering a new check, and is having there payer pay the additional daily interest accumulated since the day the original should of been process. It appears that from past transactions that Chrysler Capital is not processing and checks till XXXX days prior to due date. Frauding there customers by charging more daily interest on the account. That is almost {$6.00} per day on this loan, frauding me XXXX of dollars on this loan. The could making XXXX of dollars extra on customers by not properly posting payments in a reasonable amount of time. Plus it more concerning since the same group that owns Chrysler Capital owns XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after one of their representatives has verified the original date of delinquency of XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Applied Business Services, Inc.
State: TN

Complaint narrative:
. I sent this company a request for validation on XXXX and the tracking number is XXXX and it was delivered to a closed business on XXXX at XXXX and then delivered on XXXX at XXXX but to this date Ihave never received validation of the debt. They have had more than ample time to comply with my request and it was signed for by one of their agents whose name is XXXX XXXXThis letter that I sent them references all ( accounts associated with XXXX ) for services provided to ( XXXX XXXX ) on ( XX/XX/XXXX ). 



These accounts were submitted to, or should have been submitted to ( North Carolina ) for indigent care. ( XXXX. Indigent health care risk fund Deposits Interest Payments Reports. ) b/c I was homeless and indigent at the time of service. 

They are in clear violation of HIPPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: Admin Recovery, LLC
State: IL

Complaint narrative:
Collection agency contacted me trying to collect debt on an account that is marked written off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: Northland Group Inc
State: MD

Complaint narrative:
I paid the settlement amount and they promised to delete it but it still remains on my credit reports as opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Red Cedar Associates LLC
State: TX

Complaint narrative:
These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Technology Incorporated
State: CA

Complaint narrative:
XXXX XXXX and through their agent Collection Technology , Inc. are engaging in predatory collection practices, Unfair Business practices Dealing Ba Faith. 

By internal delaying send proof of settlement agreement in order to place a continued hardship and to protract wage garnishment thereby being unjustly enriched. 


XXXX/XXXX/16 called CTI- XXXX XXXX XXXX Ext. XXXX, to follow up on the copy of the accepted rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. 
Was told that the case had been reassigned to a XXXX XXXX XXXX ext. XXXX Who then said that they are still waiting for the letter because their proceed is for the client make the agreed upon amount of XXXX dollar after XXXX research it was discovered that the latter was demanding {$120.00} so it was never send. 
I question that since the ordinal approval was for {$62.00} month rehabilitation l payment agreement was approved on XXXX/XXXX/2016. XXXX XXXX request to pay the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pay in an effort to remove the wage garnish which is placing an extreme hardship and causing an undo prolong of the garnish. 

XXXX XXXX stated that that just the way thing are and offer no farther resolutions, then said that she will call when the letter is ready. 

XXXX/XXXX/16 called CTI- XXXX XXXX XXXX Ext. XXXX, to follow up on the copy of the accepted rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. XXXX/XXXX/16 received called from CTI- XXXX XXXX XXXX Ext. XXXX, to accept their rehabilitation program, with a monthly payment of {$62.00}. Once payment arrangement are in place a formal letter will be generated with the specifics of the details. 
1 ) After five voluntary payments of {$62.00} plus the in place garnishment will be released, i.e. 1st payment Due XX/XX/2016 then XX/XX/2016 the Garnishment would be lifted. Note the student and pick any payment date for the following {$62.00} payments. 
2 ) Tax flags requested to lift after the first payment, will take several weeks to complete 3 ) 9 of 10 total on time payments are required to full complete the rehabilitation program. 
4 ) Ordered a copy the Rehabilitation Letter for review which emailed to me. 

-- -- -- XXXX XX/XX/XXXX faxed and emailed to CTI Completed : attn. : XXXX XXXX Financial Disclosure for REASONABLE and AFFORDABLE Rehabilitation Payments

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 2016-04-26 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: Accelerated Financial Solutions, LLC
State: OH

Complaint narrative:
ACCELERATED FINANCIAL SOLUTION # XXXX this account has been resolved and was supposed to be removed from my account.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt that has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: CA

Complaint narrative:
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Northland Group Inc
State: CO

Complaint narrative:
The Northland Group on behalf of XXXX continues to call. When I miss their call I call them back and they ask me to verify my address. Every address I give them does not match up so they will not give me any information on what is going on. This either fraud or a scam. This is effect my credit score any they are refusing to give me information because I my address is no the address they have on file and has never been a place I have ever lived. I can validate XXXX and any other identifying information. They are withholding information from because lack of knowledge of an address I have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: NC

Complaint narrative:
Frost Arnett is continuing attempt to collect an amount of money, for XXXX XX/XX/XXXX, that is not due American Anesthesiology, XXXX XXXX, as documented by attached XXXX explanation of benefits. I have proven the amount of {$720.00} is a false representation of the amount owed. By contractual obligation, the physician represented by the collection request is only allowed to collect what is contractually agreed with XXXX. Therefore, XXXX states the amount for date of service XX/XX/XXXX is {$230.00}. Please see all attached pages for documentation. Furthermore, an overpayment of {$72.00} was made to the billing service they represent, for which I am now crediting against the valid balance of {$230.00}. This leaves a remainder of {$160.00}. 
I have attached all documentation to FULLY support my statements. All documentation has been provided to all parties to this matter. 
-- -- XX/XX/XXXX To All Parties Concerned : Frost-Arnett Company - hired debt collector XXXX, XXXX XXXX, On Behalf Of XXXX ; XXXX, Office Manager Please be advised all parties above will be receiving a full copy of all documents pertaining to the disputed collection request for {$720.00}, when the contractual obligation according to XXXX is {$230.00}. As it has been conveyed to myself, verbally, by Frost-Arnett that they refuse to accept or negotiate any payment other than the incorrect amount that is in violation of XXXX physician contractual agreement, I have no alternative but to escalate my reaching out to regulatory agencies for help in this matter. Prior to this letter, I attempted to work with the Consumer Financial Protection Bureau ( CFPB ) with no success. Frost-Arnett submitted a false and misleading response in order to have the complaint file closed. I will be using that false information to open a new claim against Frost-Arnett for attempting to collect an incorrect amount and submitting false information pertaining to date of service I referenced for my complaint. 
-- - I have sent a 3rd notice to Frost-Arnett and filed this compliant for the following reasons : - attempting to collect an amount not due - making false claim that I referenced the wrong XXXX in my documentation in the previous complaint with CFPB - making false allegation on recent collection notice that attempts to contact me have been unsuccessful - ignoring my efforts to have the collection amount corrected so this matter can be resolved. 
- Frost-Arnett submitting false information on the previous complaint to CFPB which resulted in complaint being closed without resolution and continued collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CountryPlace Acceptance Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX my wife at the time and I purchased a manufactured home. Country Place Mortgage held the loan. XX/XX/XXXX I separated from her and moved out of the home. At that time she had agreed to pay the mortgage payments. Sometime after that the home was repossessed. I learned of this in XXXX XXXX I believe. Each year since I have tried contacting them to determine what the home sold for and if they were going to issue a XXXX to the IRS. Phone calls have not resulted in anything other than them telling me they have time to decide what they are going to do. They will not even tell me what the home sold for. I have since learned the home was re-titled XX/XX/XXXX to a business or leasing company. Currently they are reporting I owe {$75000.00} to all XXXX credit bureaus. This amount does not reflect properly even if the home was sold for {$1.00} I have recently obtained court documents that show they " served '' me via a 3rd party. The server states they asked if I was an XXXX XXXX Service Member of The U.S or New York and received a negative reply. I am in fact currently on XXXX XXXX in New York and was at the that time as well. Country Place WAS aware of this as I had sent my orders and a copy of the NYS Patriot Plan. I fully understand I will likely owe something regarding this as will my wife as it is a joint account. I am hoping to be divorced as soon as possible. I just need to know how much is pending and if or when they will issue a XXXX to which I would need to pay income tax on. This situation is now causing issues with my security clearance. I had thought I was handling this properly by reaching out to them yearly to ensure whether or not a XXXX was issued or to determine exactly what was owed. Any and all assistance is appreciated regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I requested a refund of my prepaid card 's balance since I had issues using it at a merchant. The customer service agent said I should receive a paper check for {$200.00} in 10 business days. 

On XXXX XXXX, 13 business days ( excluding the holiday ) later, I still have not received the refund check. Upon calling customer service, they said it may take up to 30 business days. The discrepancy between the original call on XXXX XXXX to what I was told on XXXX XXXX is alarming and give me great concern as to when I should expect to receive the check. It is a XXXX Prepaid Visa Gift Card, " distributed and serviced by Blackhawk Network, California, Inc '' ; according to the back of the prepaid card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: PA

Complaint narrative:
XXXX, or whomever actually controls our mortgage ( XXXX 2012 XXXX? ) transferred our mortgage to 21st Mortgage to avoid modification when XXXX settlement was made with AGs. This stems from a predatory loan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 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: Kohn Law Firm S.C.
State: WI

Complaint narrative:
In XXXX, XXXX, I received a Earnings Garnishment from the Kohn Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to Kohn Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day Kohn Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, XXXX XXXX filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the XXXX XXXX Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that XXXX XXXX had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. Kohn Law Office states they were hired by XXXX XXXX to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: OR

Complaint narrative:
Blackhawk Network has seized XXXX my accounts worth {$1500.00} Blackhawk Network Holdings XXXX Inc. XXXX BHN XXXX, doing business as T-Mobile XXXX XXXX and PayPower Visa XXXX, has seized XXXX my accounts with {$1500.00} between the XXXX : T-Mobile : XXXX XXXX XXXX ) Paypower : ******************* ( XXXX ) These accounts were funded entirely by me and were seized without cause, contact, or reason, immediately AFTER I loaded the funds to the account. In other words, BHN PURPOSELY WAITED FOR ME TO FUND THE ACCOUNTS BEFORE SEIZURE. 

This company is a borderline criminal organization and should be investigated by the appropriate authorities.

Company response to consumer: Closed with monetary relief