vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
A few months ago, I submitted modification papers realizing that there is no guarantee to receive a modification and of course I was denied because I was told by representatives at XXXX XXXX XXXX that I am in a good place and I should remain with the deal that I have because they can not lower the interest rate any further. The funny part is that my XXXX XXXX XXXX dues have gone from {$700.00} to {$1500.00} a year, Water dues, electricity bill and my Sewage dues went from {$120.00} a quarter to {$270.00} a quarter all due to inflation. I am unable to pay my mortgage on time because I do not receive money until the end of the month. I wanted XXXX XXXX XXXX to change the due date from the beginning of the month to the end. Today, I spoke with a XXXX and she indicated that there are only two ways that she knew that the due date of the mortgage can change : 1.modification or  2.refinance. Clearly I was denied a modification and my credit is not good enough to refinance - what am I supposed to do? The company is unwilling to assist me any further and I am dumbfounded.

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 2017-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
I have a medical debt ( that I do not dispute that I owe ). The current balance is {$150.00}. I have been making XXXX monthly payments and I continue to get repeated phone calls where they are leaving harassing voice mail messages. 

They called : XXXX XXXX XXXX My last monthly payment was {$25.00} on XXXX which was cashed by the company. 

I have always returned the phone call to a person who says their name is XXXX XXXX. 

Every time I speak to her she gets REAL NASTY and threatening me she is going to call my employer ( which is ignorant on her part since I do n't work ). And that even though I am making monthly payments " That is not good enough '' and " She is going to report me to the credit bureau and ruin my credit ''. 

I am making my monthly payments, returning their calls unlike most people that probably just avoid them and I am still getting harassed ( 3 times so far in XXXX month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I filed a previous CFPB complaint ( XXXX ) describing both a potential FDCPA violation and a realized FDCPA violation. Rent Recovery Solution 's response to this complaint only addressed the lesser, potential violation. I am repeating the complaint to get a response to the actual FDCPA violation which occurred on XXXX XXXX, XXXX. 

I received initial communication from Rent Recovery Solutions in the form a letter dated XXXX XXXX, XXXX XXXX no postmark present ). This letter did not include verification of the debt. On XXXX XXXX, XXXX, I replied via certified mail with return receipt asking for verification of the debt and to consider the debt in dispute. Per the return receipt, my dispute letter was received by Rent Recovery Solutions on XXXX XXXX, XXXX. I was called by Rent Recovery Solutions on XXXX XXXX, XXXX. I did not receive a verification letter until XXXX XXXX, XXXX. The verification letter is dated XXXX XXXX, XXXX and postmarked XXXX XXXX, XXXX. Because Rent Recovery Solutions knew the debt was in dispute and had not even sent verification, the phone call on XXXX XXXX, XXXX was in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
XXXX has reported me as a collection for equipment I turned in when I moved. They are also had been billing me for products and services they had never ordered. I did not receive an informed consent prior to charging me for any new services or equipment. XXXX has been sending my account to collections during the charge-dispute process. I receive calls from their customer service as late as XXXX XXXX and at least every other day. I had to block out each number they call from. I was told by the customer service agent that I owed for equipment I turned in, so I went to the same office I turned it at. Well, the customer service person told me I did not owe for equipment, but it was my last bill of XXXX? I do not recall my bill ever being that high. It is usually {$150.00} which I had paid prior to ending my service due to new location and they did not have service in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX resulting in a lower credit score. I did not apply for credit. 

Equifax searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want Equifax, and XXXX to do the same. I want XXXX investigation as to why they pulled my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Robert J. Colclough, III
State: WV

Complaint narrative:
Collection Agency threatening legal action for a credit card debt that I do not owe. Credit Reporting Agencies do not have the credit card number on my credit report. The implied credit card number does not exit and never had the card, the amount being asked for me to pay is {$3500.00} which includes implied balance, interest and penalties. I am a law abiding person and want this to be straightened out. 

I have been getting calls from a person, who claims to be working for a debt collector firm. I explained to him that there is some mistake about this claim, as I never had this Credit Card and proof is that it is not showing up on my Consumer Credit Report either. On the phone the person obtained my address from me and started sending me collection letters with collection notices, stating that there is a judgement against me in regard to the referenced account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I got sick and been having trouble paying all my bills over the past two months. Mariner Finance has been calling and I finally called them to make payment arrangements they told me that I am two month behind ( {$95.00} x 2= {$190.00} ). And that they were going to a judgement and garnish My wages. I spoke to XXXX the manager of the XXXX Ohio branch office and agreed to allow me to catch up the two payments by XX/XX/XXXX. and no legal action would be sort. On XXXX XXXX, 2017 I received a certified letter indicating that I was being to. Court over the unpaid balance owed to Mariner Finance.  This not in keeping with what I was told by XXXX. I think this a bit extreme and unfair since I will be current again in lest than two weeks.

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 2017-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc
State: VA

Complaint narrative:
I am a military spouse, my wife joined the XXXX in XX/XX/XXXX and is currently serving on XXXX XXXX. I purchased a motorcycle in XX/XX/XXXX. Harley Davidson has denied me a lower rate under the scra and MLA. I have multiple emails from XXXX I have sent in my wife 's orders, the scra and MLA and I have been denied. I have also sent them every letter from other agencies showing they have provided me benefits under both the scra and MLA. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I just received a copy of my credit report. An agency entitled XXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX Michigan did an inquiry on XXXX16 resulting in a lower credit score. I did not apply for credit. 

XXXX searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. 

Transunion searched out and placed a lien release on my credit record and refuses to remove. This lien was paid in full. The state of Oklahoma does not file liens with the three agencies. 

XXXX did remove the lien off my credit report. I want XXXX and Transunion to do the same. I want XXXX investigation as to why they pulled my credit report.

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 2017-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX at XXXX am, my co-worker said I had a call and the persons name was XXXX XXXX. I spoke with the person and she informed me that she is a debt collector for My Quick Wallet. I explained to not call me at work and she said that if I responded back to the calls she would n't have to call me at work. I hung up, she then called me back XXXX more times at work in a row. I called My Quick Wallet and asked if this normal steps to collect a debt. He said yes and that she was not doing anything wrong and she was following the proper steps to collect a debt. So I got no where with the company.

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 2017-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX my XXXX XXXX XXXX was totaled in an automobile accident by XXXX XXXX XXXX. Odometer reading was XXXX. The XXXX was towed away from XXXX XXXX XXXX. Salvage title retained by XXXX XXXX XXXX. 

The XXXX was part of my Chapter XXXX Bankruptcy. The Bankruptcy was DISCHARGED XXXX XXXX XXXX. I paid off the balance of the payments mid XXXX XXXX. Well Fargo Dealer Services does know and acknowledges the BK Discharge but insists it must get a letter of confirmation from the Trustee, XXXX XXXX XXXX. There is NO WAY I could have gotten a DISCHARGE without paying off the balance of the remaining 4 or 5 months of the BK plan. 

Anyway, no amount of calls and complaints to Wells Fargo Dealer Services has gotten a LIEN RELEASE. Including a call to Wells Fargo " Office of the President '' which is a team of people who take complaints about Wells Fargo. They told me they have 15 days to respond and gave me a case number. The office of the Comptroller of the Currency gave me the Wells Fargo corporate number they have ... it is to a call center in XXXX XXXX, SD, who could not put me through to the corporate office. I did call the WF Corporate office in XXXX XXXX myself. Their answering machine says they are not taking calls ( no matter what time of day I called ). 

I still DO NOT have a lien release so I can get the insurance payoff for my totaled car. I need the payoff to purchase a car. My bankruptcy attorney has said that Wells Fargo has complicated several cases for different reasons and wished me " luck '' in dealing with WF. 

Please help me to expedite my XXXX automobile title LIEN RELEASE which I am entitled to!

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 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to an ATM at a XXXX store and made a withdrawal of {$200.00} from my checking account. However, the machine ran out of money and only disbursed {$20.00}. I tried again and this time the machine said it could not disburse any funds. When I checked my account by phone I saw that I had been debited {$200.00}. I called my bank, USAA and filed a complaint. 

They said it would take 5-8 business days to refund my money. This is unacceptable. What if that had been my last {$200.00} until payday. 

When I called a second time on XX/XX/XXXX, I was told the error had still not been assigned to anyone and I would get a provisional refund on the day it was assigned. I was told there are a lot of these errors and they have a whole department dedicated to tracking them down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
I paid XXXX XXXX off some time ago and people keep contacting me to pay it again this time it is a new debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On or around XX/XX/2017 a Request for FULL DISCLOSURE was sent to CEO, XXXX XXXX XXXX of Santander Consumer USA , Inc. served with this Notice and Demand to Admit or Deny the statements in the enclosed " REQUEST FOR ADMISSIONS '' document and return it within twenty ( 20 ) days with a verified signature of an authorized agent of the Lender. This Notice and Demand is the Consumers good faith attempt to settle this matter and clear up any confusion about the terms and execution of the alleged Loan agreement and the disposition of the outstanding deposit with Santander Consumer USA , Inc. of the value of the Consumers promissory note associated with this alleged Loan. Santander Consumer USA , Inc. failure to validate the purported debt by returning the enclosed " REQUEST FOR ADMISSIONS '' document with a authorized and verified signature to the Consumer within twenty ( 20 ) days of receipt of said Notice and Demand will be deemed a dishonor of the Notice and Demand, and will be presumed by Santander Consumer USA , Inc. acquiescence, that Santander Consumer USA , Inc. took the Consumers promissory note and, without authorization, stamped it, sold it, and then used the proceeds of that sale as the funds for the alleged Loan, causing the Consumer to be damaged in a transaction making themselves incompetent witnesses and by taking legal action did dispossess consumer goods and did misuse personal, family or household goods for purposes not intended - without ever obtaining competent judicial permission or prior direct consent- and, without just compensation. ( 1692c ( a ), 1692 ( b ), 1692c ( C ) ( 1 ) ( 2 ) ( 3 ),  FDCPA ). The Consumer is prepared to exhaust all applicable provisions of the FDCPA and the FCRA to obtain " FULL DISCLOSURE '' of the facts material to the terms and execution of this alleged Loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rickart Collection Systems, Inc.
State: NJ

Complaint narrative:
I was mailed a letter on XX/XX/XXXX regarding a debt that was due. 
I contacted XXXX from the company on XX/XX/XXXX and told her that the debt was paid. She required me to provide proof. I explained that the initial debt holder who contracted with RCS should provide that as I made full payment of the initial amount owned to the initial creditor in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Sir or Madam : I had a home loan with Washington Mutual taken out in 2007 that was eventually taken over by JPMorgan Chase. When the recession hit I was offered a 3 month loan modification trial via email of roughly {$10000.00} per month which I paid in a timely fashion. It 's important to note that this was the last moneies I had. Once the 3 months expired I was not offered any modification but began receiving threats of foreclosure. I was forced to sell the home on short-sale and I lost the hundreds of thousands of dollars I put down for a down payment and the house as well. I ended selling the home for significantly less than I paid for it. As a result, I lost all of my money and, like many people during the recession, had to start from scratch which caused a huge burden on my family. I submitted full documentation when I received the mortgage and had the income and assets to receive the mortgage. My mortgage with WaMu was not subprime. I would like to be compensated by Chase for my losses. I lost my home, had to relocate my family, and lost all of the money I invested in the home. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a letter from Bank of America in XX/XX/XXXX stating that I did not have homeowners insurance on my property and that I would be forced to pay for insurance that they purchased. On XX/XX/XXXX, I faxed a letter to the number provided with a copy of the insurance declaration. I have confirmation that the fax was received. I did not receive further notification that there was any problem with the documentation provided. 
I received another letter later that month and called in again. They still claimed to have no record of my submission of proof of insurance. I again faxed it - to two different numbers, one that the customer service rep gave me ( which was supposedly to her manager named XXXX ) and the other from the original letter. I then received an escrow statement showing that they were charging me for the forced purchase mortgage so I called again. I was given an email address for XXXX XXXX who promised to take care of it. I emailed the declarations page from my home owners insurance to her and requested a response if there was any problem with it. I received no response. I then received a letter stating that they were " trying to get a hold of me '' and so I called again. Still no record of all of the things I sent in. Tonight I again faxed the information to a number that was given to me by XXXX XXXX. I asked for confirmation that the fax was received and received none. 
I strongly believe that Bank of America is making it difficult for people to submit proof of insurance so that they will just give up and have to pay for the forced purchase insurance, which I understand Bank of America receives kickbacks for securing.

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 monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX United States I needed to cash a check and the teller looked me up and down and said there could be a hold and asked me to wait a minute. She went to the manager on duty and came back a few minutes later stating that they needed to put a 2 day hold on my check. I kindly objected and said I would take it to my other bank. Today, XXXX XXXX, I was denied employment due to having a low credit score. I pulled up my credit through XXXX XXXX and noticed XXXX XXXX RAN MY CREDIT WHICH DIRECTLY ATTRIBUTED TO THE LOWERING OF MY CREDIT SCORE! I would like this resolved and I would like to be compensated for this breach! I drove 258 miles from my home, spent 4 nights in a hotel and away from family duties so I could obtain employment as a XXXX XXXX to help the victims of the natural disasters that are plaguing our citizens and loved ones, and today I was denied that opportunity. I believe this is against the law!

Company response to consumer: Closed with explanation