vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Currently, I am XXXX in the military and my place of residence has been foreclosed on. As a result, I have obtained a military stay, however the associated lender and mortgage company has not respected the court and violated Fair Debt Collection Practices. 

Caliber Home Loans and XXXX as Trustee for XXXX XXXX have violated Fair Debt Collection Practices. They have sent people to my place of residences to to question my family and roommates. They sent a vendor by the name of XXXX ( XXXX ) to harass my wife and threatened to evict her if she did not sign a document. My wife asked that he would not return to the premises and he came back to harass her on XX/XX/2017 at XXXX. XXXX called her and threatned her to evict again on XX/XX/2017. She and XXXX argued for over an hour. She sent XXXX a copy of her lease via email and he continued to harass the other tenants and scared them into signing the documents. As a result the other tenants moved and left my wife and I stuck with all the utility bills. 
On another occasion, these XXXX companies have sent someone by the name of XXXX on XX/XX/2017 at XXXX to question the contractors that were mowing the lawn at my place of residence. The contractors informed me of the questions that were asked of them. 

I have documentation of the emails, letters and court notices that were received by XXXX and Caliber Home Loans. They have violated a number of times. 
I understand that each time constitutes {$1000.00}. I would like them to pay me for each violation. If they do not want to respect my family then I will take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent multiple dispute letters to Experian in attempts to rectify incorrect account information that is reporting on all XXXX of my student loan accounts. I have sent a dispute letter dated on XX/XX/XXXX and XX/XX/XXXX ( with new relevant and verifying information ), requesting Experian to update my student loan account payment statuses ( XXXX student loans ) for the month of XX/XX/XXXX to current instead of a 90-120 days late status ( what is currently reporting on all XXXX student loan accounts ). I provided Experian with verifying and supporting information provided to me by XXXX XXXX XXXX illustrating that for the month of XX/XX/XXXX, I was granted a forbearance period from XX/XX/XXXX-XX/XX/XXXX, which makes my account NOT late and current with the terms set between myself and XXXX. Experian refuses to update my student loan accounts and they came back verified and no change. I requested a method of verification on XX/XX/XXXX via certified mail ( tracking number provided in attachment ) for my student loan accounts. According to the FCRA, Experian has 15 days to respond to my method of verification, in which they must provide with whom they verified the disputed account information. Experian did not provide this information in the required time, according to the law and is thus in violation of the law. Experian decided to treat my request for Method of Verification as a dispute when my request clearly asks for a method of verification for the above stated case number a couple of weeks prior. I believe this is a stall tactic to prolong the appropriate changes that need to be made to my credit report. I have attached my Method of verification ( which clearly states MOV and NOT DISPUTE ) letter that I sent to Experian. I have also attached the XXXX XXXX XXXX documentation for further verification that Experian is reporting incorrect payment information on my credit report and refuses to update my report with the correct information even when provided with supporting documentation. This should be sufficient documentation as the other credit reports were able to use the documentation to make the correct updates to my student loan accounts.

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 2017-01-18 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Weinman Acquisition Group
State: AZ

Complaint narrative:
I was informed that attempts were made to serve me with documents but attempts failed. That I am being sued for an outstanding debt with XXXX. I contacted XXXX and they have no record of my name, phone number or social security number. I was sent to different departments at XXXX to investigate this thoroughly. Next communications with XXXX at Weinman Acquisitions lasted for 7 minutes ( XXXX ). During this call XXXX became agitated and frustrated with my questions for clarity and requests for documentation of this debt. He said he could email me the documentation and I gave him my email address which he then read back to me correctly. After an hour passed without receiving the document I called Weinman Acquisitions again and spoke with XXXX. He informed me that the file is out of his department and he sent the request for the email in but that 's all they can do. I told him he never told me that the email was a request. He said it would be sent to me. This agitated him more and I told him I was n't understanding and he said that he got that. He became condescending and hung up. I called multiple times to get the information I needed until he finally passed me on to someone who said I would receive an email in ~20 minutes. It has been 24 hours and I have not received any emails. At no point did they request my mailing address to send me documents, nor did they disclose an amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 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: South West Recovery, Inc.
State: CA

Complaint narrative:
Southwest Recovery Services ( https : //swrecovery.com/ ) has been repeatedly calling me about giving them a credit card number for a debt that has already been settled in full with XXXX. I moved my service and long story short - XXXX created a separate account and started billing me on the new account but a small amount ( {$100.00} ) was outstanding on the original account. When they made me aware of it, I paid it immediately. ( I HAVE NEVER BEEN LATE ON ANY PAYMENTS MY WHOLE LIFE - EVER! ). 
SW credit has been sent both documentation and told several times on the phone about the settlement of this debt. I have also gotten a SW credit rep on the phone with time warner to explain that the debt is settled in full. However, they continue to harass me and have a collection on my credit report for this. PLEASE HELP.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Dear ChexSystems ' General Counsel, After receiving a number of unsolicited phone calls and emails from people claiming to be from ChexSystems ' I feel obligated to exercise my rights and alert you to what I consider harassing and damaging behavior. 

Specifically, I have received numerous phone calls from people claiming they were from ChexSystems but generally refused to provide any information unless I confirmed my identity. Wary of this potential scam / phishing attempt after previously being a victim of identity theft I am unsure if this is an official action of ChexSystems or a scammer spoofing information. To this end I request that ChexSystems investigate such actions to determine if it is your employees or systems making these unsolicited calls and to provide me with a record of all correspondence on my ChexSystems file, if any. 

To confirm my identity, you can use my social security number as provided to you in this CFPB complaint as well as a picture of my passport. I have not been within the USA for many years and have not agreed to the use of ChexSystems to aggregate my personal information. 

After receiving a record of my correspondence, uploaded to the CFPB complaint I will analyze those records and if needed contact you for more information or requests. 

To carry out this request, please note the following personal identifiers : Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Address : XXXX. 
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 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I submitted applications for Income-Driven Repayment ( IDR ) and Public Service Loan Forgiveness ( PSLF ) on XX/XX/XXXX. Around the same time, my loans were also consolidated. 

The IDR was supposed to limit my monthly payments to 10 % of my monthly income, but my payments were only lowered to about 24 % of my monthly income. I called multiple times to inquire about this, and was ultimately told that my total loan amount was so high that it would not be possible to limit my payments to 10 % of my monthly income. I was reassured that I was enrolled in the PSLF program, however. On XX/XX/XXXX, I called about a different problem, and decided to ask about this issue again. This time, I was told that my IDR application was received but never processed. There was no further explanation. I was told that my initial application ( the one that was received XX/XX/XXXX but ignored ) had expired, so I submitted a new application that day. I was told again that I was enrolled in the PSLF program, though. 

On XX/XX/XXXX, I called to check on the status of my new IDR application. I was offered the option of postponing my current month 's payment until the new IDR application was processed, and I asked if that would affect my PSLF payment plan, since I am supposed to make consecutive monthly payments for ten years to qualify for loan forgiveness. I was then told that I was not enrolled in the PSLF program. I was given a different phone number to call to verify this. I then called that number and reported that I had submitted my PSLF application on XX/XX/XXXX and I provided the fax number I had submitted it to. I was told that, while that was the correct fax number, my application was never received. Again, I submitted a new application XX/XX/XXXX. 

My total federal student loan amount is over {$400000.00}, and I have already made XXXX ; {$20000.00} in payments in less than a year. I am extremely concerned that over the course of multiple applications submitted and many phone calls made, I have essentially been lied to about the status of my applications and the reasons for why my monthly payments are so high. Even if I had not been lied to, I now have XXXX applications that were never processed for unknown reasons - the IDR that I am told was ignored and the PSLF that I am told was never received. I am reaching out to the CFPB because it is impossible for me to advocate for myself when I am not even being given accurate information by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
Didnt know debt was sold I contacted XXXX several times trying to find out details. Was told to file police report on issue. Back in XX/XX/2012 and never heard back from them tried to make paymemt arrangement even thou I was not at fault

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: IMMEDIATE RECOVERY GROUP, INC
State: MI

Complaint narrative:
I have been attempting to contact XXXX. in order to begin a process of rehabilitating my student loans. This is the end of the third week I have attempted to contact them. Each time I call I am referred to the Administrative Wage Garnishment department where a recording asks me to leave a voicemail with my information. I have left several voicemails and continue to call with no reply. They are ignoring my requests because my wages are already being garnished.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Specialty Service Inc
State: LA

Complaint narrative:
XX/XX/XXXX, XXXX in XXXX, CA turned over my debt of {$1000.00} to Creditors Speciality Services ( XXXX, XXXX, OR XXXX, XXXX ). In XX/XX/XXXX, Creditors Specialty Services contacted me to collect the debt. In the meantime, I had already paid {$600.00} to XXXX because I did not know my account had been turned over to collections. 

Creditors Specialty Services instructed I could pay the remaining {$420.00} to them. On XX/XX/XXXX I paid {$420.00} over the phone with my debit to Creditors Speciality Services. I have a bank statement to prove this. 

As of XX/XX/XXXX, more than a year later, Creditors Specialty Services has not paid XXXX the money that I paid. XXXX is holding my car title hostage until Creditors Speciality Services pays them. 

After contacting Creditors Specialty Services, I have learned that their owner was fired for fraud and theft. 

Creditors Specialty Services is a fraudulent debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc
State: TX

Complaint narrative:
They have called and not left a message 4 times today alone. Three calls from XXXX and once from XXXX. When I called both numbers back and complained about their harassment, they got verbally aggressive and loud talking over me and then hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Money Investigations, Inc.
State: MS

Complaint narrative:
I took out XXXX cash advance loans from place called XXXX in TN, I did default on the loans bc of hardship and they have gone to a collection company called Money Investigations out of XXXX GA. I received the first call from this man who calls himself XXXX on XX/XX/XXXX at my parents house. He was screaming at me, making threats of jail time all bc I ask who he was with. Yes I got ugly right back assuming this was a scam. I contacted XXXX and found out they are contracted with Money Investigations so I called back to try and work out a payment plan, the same man screams at me again saying I was going to jail unless I XXXX him half ( XXXX $ ) I said I would try but could not come up with the money, called him back left a voice mail that I would again like to make payments. He called back XX/XX/XXXX screaming again that I committed check fraud and was going to jail and nothing but a liar. He also called my parents again saying the same things on XX/XX/XXXX ... I got on the phone and said I spoke with the local sheriff and this was a civil not criminal matter. The man calls again XX/XX/XXXX to my parents home and when my mother says I want to make payments he starts yelling at her. I have done my research over the weekend and it seems this man is actually a man named XXXX. Yes I agree I owe the debt and am willing to make payments but these types of calls are ridiculous ... ..and if he has filed papers as he said on XX/XX/XXXX why does he continue to call and harass 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 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SD

Complaint narrative:
I have a loan with Toyota. I successfully applied for a two-billing-cycle deferral and paid a XXXX dollar deferral fee. Toyota misapplied the fee and put it towards my lease balance after I sent them the requisite forms and agreed upon the deferral terms. Now they say I am past due and have negatively reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
On XX/XX/XXXX I sold my house which was under mortgage by Bayview Loan Servicing. The payoff request/statement received from Bayview on the day of closing did not include the last payment that was made on my mortgage ( {$880.00} ). The title company responsible for the closing called Bayview and was told that the last payment had not been included in the payoff statement due to insufficient time between payment being made and payoff request being requested. I was informed that the overpayment would be returned within 21 days. 
It is now more than two months since the closing and I have not received any funds back from Bayview. 
When logging on to my Bayview account online it states that the last payment received was XX/XX/XXXX. This is the date when the second to last payment was posted. So it seems like my last payment which cleared on XX/XX/XXXX, is missing from their system. 
In XX/XX/XXXX I had a similar experience with the same mortgage company. All payments were made on time but still Bayview claimed that one payment was missing. I provided documentation of all checks to them clearing the bank, but Bayview refused any wrongdoing. After I filed a complaint with the Consumer Financial Protection Agency they finally admitted that the mistake was on their part and that they accidentally had posted one of my payments incorrectly. The funds was finally returned to me. 
It seems to me a similar situation has occurred again. I have documentation that the last check on my mortgage cleared on XX/XX/XXXX, but Bayview claims the last payment received was XX/XX/XXXX. 
Due to my house being under a bond for deed contract the mortgage payments have not been made by myself directly, but though a company called XXXX. XXXX have provided me documentation of the last checks to clear the bank. This will be attached to this complaint. 
I am surprised and appalled that a mortgage service company can do this kind of mistake multiple times and wonder if it is due to incompetence or if the company is trying to defraud their own customers for personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: AZ

Complaint narrative:
I had consolidated my student loans and ACS had my loans reporting in an incorrect status causing loans to be left out of the consolidation. Once resolved I had to re-add loans back into my consolidation. During that time ( due to ACS 's error ) my loans were reported delinquent to my credit report. This was never the case. I disputed the late reporting 's and it was denied to be removed. Again this was an error on ACS 's side. They were holding up the processing during this time and should have to correct the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I submitted a previous case XXXX for reference. CommonWealth Financial Systems report XXXX derogatory comments on my consumer credit profile with XXXX and XXXX. I initiated a complaint as I have never received any written or prior notification from them. CFS then responded to my complaint stating they needed an account number. As I never received a notice from them, I did not know what account number to reference. I finally received a notice dated XX/XX/XXXX, received XX/XX/XXXX stating that I owed for a medical debt in the amount of {$270.00} to the original creditor of XXXX. Since CFS refused to verify the debt, I contacted XXXX by phone and spoke to representative XXXX today, XX/XX/2017. She could not verify the account numbers provided from CFS 's notice, nor look up any outstanding debt based on my name or Social Security number. 

Commonwealth Financial Systems has failed to abide by law with mandatory notices and placing the derogatory remarks on my credit profile. This complaint is to be served to them as my official request in writing to provide written verification of the debt, which includes the original creditor 's name, address, and phone number and services provided so that I might verify their claim. As I was unable to verify it over the phone provided by the actual original creditor, I am interested to see what documentation will be provided. 

If supporting documentation is not sent rectifying the discrepancy above, I will add fraud to my claim when I file my lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Advantage One Credit, LLC
State: FL

Complaint narrative:
I took out an auto title loan for {$1000.00} with Advantage One Credit, LLC in XX/XX/XXXX. Since that time I have made monthly payments in excess of {$2000.00}. I attempted to make a payment in XX/XX/XXXX but I was unable to as the company website was defunct and I was unable to contact Advantage One by phone. Last week I received an account notice from Advantage One stating they were changing the way my loan is serviced and to mail all future payments to an address in XXXX, TX. This was just an account notice and not a billing statement.. All previous payments were either paid by phone or online. The company website is back up and there is an option to email customer service which I did twice and got no response. I phoned the company on XX/XX/XXXX and asked if I could make a payment by phone but I was told they were equipped to do this. I also asked about a billing statement and the response I got was I should receive one in the mail soon.

Company response to consumer: Untimely response