vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valentine and Kebartas, Inc.
State: NY

Complaint narrative:
I have had several conversations with XXXX XXXX @ Valentine & Kebartas, XXXX in regards to a debt owed by XXXX XXXX/XXXX XXXX XXXX to XXXX XXXX ; the balance is {$7800.00}.
XXXX/XXXX/2017- I asked about a SIF ; XXXX offered 1X- {$5800.00}, 2X- {$6100.00}, 3X- {$6600.00}. told me absolute lowest he could go was the {$5800.00}. Told him I would have to get back to him.
XXXX/XXXX/2017-XXXX called as follow-up ; I offered 1X- {$3900.00} ( 50 % ) ; now he said he can come down to {$5400.00}, after he told me on XXXX/XXXX/2017 he could n't go any lower than {$5800.00} ( so he lied to me ). I advised to both I would not be able to afford that and would only be able to pay $ XXXX/month. XXXX 's response was that he would not be able to accept that. I responded stating I would just send that amount to either XXXX or his office, did n't matter to me because they would not refuse the money. Call ended after speaking to supervisor XXXX XXXX
XXXX/XXXX/2017-XXXX called again asking for intentions. Advised same thing as previous conversation. XXXX 's response was to ask me if we were represented by an Attorney. When I inquired why, he responded stating that this account would move further along ( implying we would be sued ) if I did n't pay exactly what he was offering. He ended call stating he would advised to move this account from his office ( not sure who he is advising ; supervisor, manager, attorney? ) Also stated he would no longer call me, but would only speak with XXXX XXXX, the owner of the company.
XXXX/XXXX/17-XXXX called ( Caller ID showed " MAP VER '' XXXX ; he is calling from MA not NY, why is this company trying to deceive me with an incorrect phone number? ) XXXX opened the conversation with what I could pay. I advised we planned to send the {$500.00} as previously discussed, but I was waiting to be contacted by an Attorney 's office like he had advised would happen on the XXXX. When I questioned him on threatening legal action, he immediately tried to retract what he said and said to just send the {$500.00} in ( which he previously told me on several occasions that he would not accept that amount ). I ended call advising I would be submitting a complaint against him and his company with the CFPB for threatening legal when there was no intention of doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
I received an alert showing a collection account that I had no knowledge of. I never received a letter or call about any amount owed to this company. I was not given the proper chance or time to pay this account because I did n't received any notice. I have tried to advise that I was not contacted but no one is helping me. I see a collection account for {$34.00}. The proper steps were not taken to insure that I was aware about this account so that I can pay it. Not my credit report took a hit because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX- XXXX, My son and I borrowed {$42000.00} to pay for my son 's college tuition at XXXX University . Today, XXXX XXXX, 2017, The balance that Navient says that we owe is $ 80,000+.
I have offered to pay Navient {$55000.00} to pay off the loan if my son is not required to pay taxes on the difference between my offered pay off and the balance of $ XXXX+ and my son does not have a derogatory credit report entry for paying off less than what is owed. Navient is refusing to do this.
My son is finally working steadily and this removal of debt would allow him to take steps to further his career and personal life. Navient is also servicing our Federal Student loans which we will continue to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration
State: CA

Complaint narrative:
I have received two voice messages on my cell phone and one voice message on work phone. Two of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on   XXXX   XXXX  , 2017 at   XXXX   XXXX   and   XXXX   XXXX   PST. The first call was to my cell phone and the second on my work phone. The voice mail stated : XXXX ( my name ) " my name is   XXXX   XXXX   calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation 's department. My phone number is  XXXX  ext  XXXX . '' On   XXXX   XXXX  , 2017 at   XXXX   XXXX   PST the following message was left on my cell phone : " This message is for XXXX ( my name ). There has been a formal complaint filed with your financial institution. All assets and active accounts are scheduled to be closing within 72 hours. If you wish to protest this case you must contact the law offices of Weiss & Associates at telephone number  XXXX  or press one to be connected now. '' I called my financial institution on   XXXX   XXXX  , 2017 about the voice messages. The representative said that he did not see anything about my account closing and to report these calls to the " abuse '' department of bank. The bank was notified by email of these messages.
There has been no written contact from this " firm, '' and I do not know what this is regarding.
I was contacted by   XXXX   XXXX   and he said that it was regarding some company,   XXXX   XXXX  , and that they had sent a physical letter to my mailing address, as well as my email address. I told him I didnt know what he was talking about and asked him for his physical address. He refused to give me the address, said that they were going to finish this in court, and hung up. Upon minutes of hanging up, he contacted my sister in Texas. She didnt give him any information, she said that he shouldnt be asking for my information. He yelled at her and hung up. Later today, my sister, who lives in Utah, received a message saying that they would be freezing my assets in 72 hours.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
In XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an XXXX account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XXXX. The last one beingXX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe National Credit Adjusters has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. National Credit Adjusters has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received an itemized list of charges from National Credit Systems on XXXX XXXX, 2017 that XXXX sent to them. I have great concern about a balance they are reporting that I owe. Upon adding the amounts listed for each item. {$570.00} Balance at home {$60.00} Carpet Shampoo {$50.00} Clean Appliances {$50.00} Didnt return Apartment Key {$75.00} Didnt return Gate Remote {$25.00} Didnt return mailbox Key {$10.00} Didnt return parking tag {$50.00} Didnt return walk thru gate key. {$740.00} Lee Termination fee I came to a grand total of {$1000.00} however they are reporting that I owe {$3300.00} for these items. I have searched for an explanation from many sources to no avail. Im afraid that XXXX and National Credit Systems is trying to collect a balance I do not owe and, as a result, are reporting this erroneous balance to all XXXX major credit bureaus which has caused me to suffer financially. I have asked the orginal creditor multiple times for someone to please provide an explanation of these charges and have yet to get an answer.
i have reached out to the orginal creditor on several occassions verbally and via email.

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 2017-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tribal Lending Enterprise, Inc.
State: TX

Complaint narrative:
They call my job everyday even after I sent a cease and desist e-mail to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Upon reviewing my credit report I noticed accounts from Account Resolution Services ( ARS ) placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to ARS. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. ARS has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Besides the 8 % and the amount being outrageous on my parent plus loan, I feel that the current balance is incorrect. I have called and never get a straight answer. I 'm being charged interest on a higher amount. I have so far paid over {$19000.00} in interest and {$4000.00} towards the principal. My original amount was {$130000.00}, should n't my balance be {$130000.00}? They have my current balance at {$130000.00}, at this rate I will never get this paid down. This is usury at it 's best!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX pick up truck from XXXX XXXX in XXXX, NJ. At XXXX miles some computer glitch happened with the transmission. XXXX/XXXX/17 the PCM blew causing the vehicle not to run safely and XXXX XXXX in XXXX XXXX replaced the PCM.
XXXX/XXXX/17 my trucks was not driving safely. Issues were that the vehicle would accelerate by itself, brakes would not work, except the emergency brake. Once " E '' brake was applied the truck turned off. Since this date, XXXX XXXX has continued to try and fix my truck which they have been unsuccessful with.
I HAVE A LOT OF PAPERWORK, CAN I MAIL IT TO YOU??
Lender will not help me or get involved. Or accept a hardship letter.
Please call my cell : XXXX 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 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a XXXX in the XXXX XXXX XXXX XXXX. My XXXX, the XXXX XXXX XXXX in XXXX FL had a military XXXX at XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, FL. I was ordered to stay at XXXX XXXX XXXX XXXX under a program called XXXX XXXX XXXX ( XXXX ). Under the XXXX XXXX XXXX program the XXXX pays for a group of hotels under a contract with the Hotel. Nothing should be charged to the individual Soldier. I should not have had to pay for my room at all since it was supposed to be paid using the government contract under the XXXX program. I arrived at XXXX XXXX 's in XXXX XXXX and was told I could not get the room without presenting a credit card " to be used for incidentals only. '' The person at the front desk assured me the Government Travel Card I presented would not be used for the room as it was covered under the XXXX contract. The stay occurred on or around XX/XX/2017 On my next bill I was charged {$470.00} for the room and I did not incur any incidentals. I immediately disputed the charges with the bank by phone and sent a certified letter return receipt as a follow up and contacted XXXX at XXXX XXXX 's who agreed the charge should be taken off my Government Travel Card ( GTC ) as the XXXX contract should have paid for the room. XXXX was going to remove the charge from my GTC and charge the room to the XXXX contract. The charge was never removed from the GTC. Instead Citibank sent me a letter stating they are " unable to assist me '' since my card " has not been lost or stolen '' and " my correspondence was received after the requested response date ''. However, the certified letter I sent was timely sent. Numerous calls to Citibank and XXXX XXXX 's have been unsuccessful. I get the impression from Citibank that they are not concerned with disputing an illegal charge and are not interested in helping me whatsoever because they know that my XXXX has to report GTC delinquencies and there is an intense amount of pressure to pay the charges on the card. However, I never authorized the purchases put on my card. Citibank seems unable and unwilling to comprehend this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
I received many calls from PHH mortgage, offering me a reduced interest rate ( from 5.97 to 4.19 ) and a reduced premium over approx remaining period ( from {$1900.00} to {$1400.00} ) I closed on XXXX XXXX, 2017 and my first payment of {$1400.00} on XXXX XXXX, 2017. In mid XXXX I received a letter from PHH that due to escrow shortage my XXXX payment would be {$1800.00}. This unplanned amount was debited to my bank account on XXXX XXXX,2017. I am retired and on a fixed income so I had to rearrange my finances to cover this overage.
I called my loan officer, XXXX XXXX, who showed absolutely any interest in my dilemma but referred me to the escrow department. After spending over 20 minutes with the escrow representative, I was unable to get an explanation for the increase. I however questioned a item on the escrow statement that said escrow refund. The rep. then put me on hold to investigate. After about 5 minutes on hold, the phone mysteriously disconnected. I again left a message for the loan rep. No response. I started investigating my options.
Then in mid XXXX, I again got a letter from PHH that due to escrow shortage, my XX/XX/XXXXpayment will be {$2400.00}. In less than 90 days from closing my monthly mortgage payment has increased almost {$1000.00}.
Again, I contacted the escrow dept and again after some time on the phone I was put on hold and the line disconnected again when the escrow refund was mentioned. This seems to be a business practice of PHH. I am in a worst position now than when PHH offered me this relief.
I was informed at closing that my projected escrow shortage was {$15.00} PHH has had my mortgage for over the last 10 years and my taxes have not gone up. Actually they decreased over the last two years. My insurance has remained the same so I ca n't understand these escrow problems and can not get an explanation from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an HSBC account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XX/XX/XXXX. The last one being XX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe XXXX XXXX XXXX has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. XXXX XXXX XXXX has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was offered a settlement back in XXXX in the amount of XXXX. the original balance was XXXX in some change. I advised the collector that i could set up the remaining of my XXXX dollar payments with my credit card, after being advised that one of my payments did n't go through. XXXX has been paid on my account. i called to resolve my account and the collector advised me that i would have to pay the amount the full balance which was XXXX and change. I advised the collector that he was being deceitful. I was never made aware that if a payment was missed that i would have to pay the balance in full. The account is a judgement and listed on my public records and is reported as the incorrect balance owed. I was contacted on the XXXX on my cell phone about my account. At the time i was working and unable to speak about the debt. I spoke with XXXX XXXX, who using verbal sarcasm, which is completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I 'm filing a complaint against Midwest Recovery System about a debt I do not owe neither do I have contract with which is illegal and which the debt they claim I owed to XXXX XXXX XXXX. They are in violation of FCRA and I would love this collections account be deleted from XXXX, XXXX, and XXXX for the amount of {$470.00} thats not mine. I would like to be Compensated for the Embarrassment as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX 2017 I sent written request to Equifax, XXXX, XXXX requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.

Company response to consumer: Closed with explanation