vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Northeast Collection Bureau
State: MO

Complaint narrative:
I have never heard from or of this company and this message was left on my voicemail : We have made several attempts to get in contact with you regarding the pre legal matter We suggest you do not ignore this notice press 1 to speak to an associate now or contact this office immediately at XXXX if you have retained the services of an attorney you may have your counsel contact this office on your behalf this communication is from a debt collector. This is an attempt to collect a debt any information obtained will be used for that purpose.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS

Complaint narrative:
I received my XXXX mortgage interest statement from Select Portfolio Servicing. I have a 2 % interest mortgage with an Outstanding mortgage principal as of XX/XX/2016 of {$37000.00}. Box XXXX of the Form XXXX is the Mortgage interest received from payer/borrower and has an amount of {$4200.00}. 
That number is completely incorrect. Even if the reduction of principal is ignored on the {$37000.00}. That amount at 2 % is {$750.00}. 
Would you be so kind as to explain in detail how the {$4200.00} amount was calculated? Why does that amount exceeds my total yearly payments paid of approximately {$3300.00} ( that includes principal, interest, insurance and taxes )? 
Why does SPS make so many mistakes in their record keeping?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Blackrock Mitigation Group LLC
State: NC

Complaint narrative:
Contacted by Blackrock Mitigation XXXX stating we took out a loan in XXXX 2012 we 've requested debt validation letter via US mail they refuse. They sent something via emai but is n't debt validation. They contacted employer stated they had a case against them and myself. I did n't even work for this company when this loan as taken out. I do n't even know if thjs is a valid debt of mine. They have been asked both verbally & letter via US mail to stop contacting me until debit is validated. They spoof their number to make it appear they are calling from the local sheriffs office, as well as XXXX county courthouse, they stated they were the XXXX XXXX county XXXX court as well a law enforcement. They told my employer I was evading them which I 'm not I just want to validate this is or is n't my debt. I 'm afraid I 'll lose my job over them calling my employer.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I purchased a new car, and I gave this one back to the finance company. My new car dealer drove the XXXX to XXXX for me, and he spoke with the owner regarding the vehicle. The owner made him park it in a back lot, so it would be out of his way. I followed behind, and picked the dealer up. 
I have a voice recording of my call to Credit Acceptance, explaining to them that I voluntarily surrendered the vehicle and returned it to the place of purchase. XXXX informed me they normally pick up the vehicle within 10 days. They will sell the XXXX at auction and bill me for the remaining balance. I requested they not call me continuously until the vehicle is auctioned. 
I immediately mailed my key to XXXX, who has possession of the vehicle, along with a copy of this form and the notes above the line. 
I drive by and check on the vehicle periodically to see if the vehicle has been picked up yet, and to ensure no vandalism has occurred. 
The financing company has not yet picked up the vehicle. They continue to call me multiple times a day, seven ( 7 ) days a week. Sometimes they leave voice mails, sometimes not. I only get a bit of the voice mail, which is an automated message to call them. At this point, my voice mail box is full. I refuse to clean it up and make room for more until they cease harassment and follow through with their established procedures. They call from so many different numbers ; it is nearly impossible to block them. I 've tried to compose a call history, but I can not guarantee I got them all. It makes my eyes cross and gives me a headache!

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 2017-01-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XX/XX/XXXX RE : illegal Business Practices at Infinity-Nissan Infinity Acct # XXXX I have a lease contract for 24 months with Infinity Financial for a vehicle that started XX/XX/XXXX and will end XX/XX/XXXX. All monthly payment has been made. 
On XX/XX/XXXX, I became aware that infinity was tell us that they are missing A payment. Since XX/XX/XXXX. And that all the payments we were making was Being posted as late. On the phone, we agreed to make a payment including late Charges for {$400.00} and we agreed that I would send the payment to them. 
We send the payment to Infinity the same day. ( copy attached ) Also, they advise us that they are missing the XX/XX/XXXX Payment. We faxed them our bank statement showing that in fact a payment for {$300.00} was made on XX/XX/XXXX. 
See copy attached and Letter from Bank. It is very strange that if we are missing a payment, they would call us so late on this even after they were reporting us as being late for every month. 

On XXXX unknow to us Infinity illegally repossessed the vehicle, this is less Then 30 days that we are to return the Lease vehicle. ( how buzzer is that ). 

This is a Clear tactic infinity is using to negligently forced sell the vehicle to us. At this point I have requested over three times to get my payment history with them but they Keep stalling, signaling that there is something they wish to hide. 

We are proving clearly that Infinity has received all the payment required on a lease And we have called talked to them several times but they do not wish to admit that they Made a mistake and keep telling us that its over. " We will sell the car at Auction prices and bill you the Balance '' This is not our agreement, we do not wish to purchase the vehicle. This is Clear to me that infinity financial has a vested interest in trying to force sell this vehicle To me a Retail prices. A classic example of a big Bully. 

If infinity Financial tries to unfairly pursue this illegal activity. I have no choice but to take Legal action. This is a demand that infinity return the vehicle from where they picked it up from And let the course of our agreement run out on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I purchased a car and it was reposed. Credit Acceptance garnished my wages and later placed a judgment of {$11000.00} plus {$260.00} for court cost in XX/XX/2009. I 'm trying to paid the judgment of {$11000.00} and was referred back to the attorneys that represented the Plaintiff. The attorney 's office told me I now owed {$23000.00}. It is my understanding that the amount I owe is the amount of the judgment {$11000.00}. I am a XXXX mother in XXXX trying to pay off this debt so I can buy a home for me and my children. This judgment is no longer on my credit report but it is still affecting my ability to become a first time home buyer.

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 2017-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
FNB purchased our mortgage from XXXX XXXX when XXXX XXXX sold. FNB did not pay our property taxes and possibly insurance for one and half years. When I found out and contacted the bank, I was told there was an email from the former bank that said not to pay our taxes. We were never informed and this is incorrect. Our mortgage agreement has not been modified. Taxes and insurance are part of our escrow. The new bank charged us {$100.00} extra to compensate for having to pay our taxes. We disputed this but ended up not fighting it and paid the extra {$100.00}. Now, the bank is raising our mortgage payment $ XXXX/month for the same reason. Due to the negative escrow. We have tried to get an explanation from the bank as to 1. Why did they stop paying our taxes and 2. What happened to our payments for the 1 1/2? Where was the money applied that did n't go towards escrow? The collection department representative, XXXX, has been helpful enough, in the sense that he allows me to ask questions etc ... but I 'm not getting any real answers. How can a bank just stop paying escrow without notifying us? How is that okay?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Chaplain Financial Services LLC
State: NM

Complaint narrative:
I keep getting calls from a XXXX at Chaplain Financial Services. Says I have committed fraud, but he ca n't tell me who the original creditor is. I have not received any mail from the creditor ( even though he says he has verified that I have received mail from them by contacting the Post Office ) He calls my work several times a day even though I have asked him not to. He has contacted my XXXX year old mother and my minor children several times a day. He tells them that I have committed fraud and that he is sending authorities to my place of business and home. I have called him and asked him several times to stop calling my work, and my family and to please send me any and all documentation of who and what I owe. I really have no idea who I could possibly owe. He also calls from several different phone # 's. The one he 's called from today is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Chaplain Financial Services LLC
State: TX

Complaint narrative:
XXXX XXXX with Chaplain Financial Services claimed I owe money to XXXX from a loan in 2012. I have never heard of this company or this debt. This company is threatening to garnish my wages and said they 've invalidated my Texas Drivers License privileges. Last week is the first time I 've been contacted by this company. They 're unable/unwilling to provide additional details on this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately. 
This company has not sent any not even 1 piece of information to my address. I only noticed this account on my credit report when I pulled it. If they sent me something to indeed prove this then why did n't they include it with their response. This company is lying and in direct violation of my rights. I sent them a letter on XX/XX/XXXX. How then did they send me a letter in XX/XX/XXXX and XX/XX/XXXX yet they just reported this account in XX/XX/XXXX. It is obvious they are lying. I am requesting that this account be removed because they are in no way telling the truth. Had I received any documentation from them, I would have disputed prior to XX/XX/XXXX. I have a credit monitoring service that notified me on this day of this account being added ; hence, my reason for disputing with them in writing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have mailed 2 dispute letters and 2 letters by certified mail on XX/XX/2017 and XX/XX/2017 for removal of multiple inquiries on my credit report. I have disputed those as not valid. I did not sign any contract nor did I authorize for those collections accounts to be added and definitely did not authorize for those inquiries to be added. I have XXXX reported hard inquiries with experian and only XXXX of them I consented to. They have not responded to my request to have those inquiries removed and furthermore there is no way they could have investigated these within 30 days because I never received a response at all but they did respond to the collection accounts being removed but I have yet to receive any contract with my signature. I have XXXX accounts in collections that I have specifically asked for validation of that debt and for something to be sent to me with my signature stating that I consented to anything, they have failed to provide that as well. I am disputing this because they have failed to provide me documentation to keep reporting this account. I am trying to purchase a home and these hard inquiries and collections are showing a sign of financial trouble and that is not the case at all.

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 2016-05-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Recovery Group
State: GA

Complaint narrative:
GLOBAL RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX use deceptive methods to collect a debt from me. They had an unidentified male contact me and claim to be law enforcement threatening to go to my home address and said I 'll be served and arrested if I did n't call in to XXXX XXXX to pay a {$750.00} credit card debt within 10 minutes on XXXX/XXXX/2016. 
They also threaten to seize, garnish, or sell property. I felt my family was in danger so I call and gave them my debit card number.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clay Chapman Iwamura Pulice & Nervell
State: HI

Complaint narrative:
XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell is demanding payment of a debt and threatening to foreclose on a property that our singular marital entity ( " legal identity '' ), XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, holds paper title too. 
Another disturbing issue is that XXXX XXXX XXXX, XXXX # XXXX, from Clay Chapman Iwamura Pulice & Nervell, is conveying that XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, at Common Law, XXXX XXXX XXXX XXXX, as Fee Owner, signed a promissory Note and/or Mortgage with XXXX XXXX XXXX, XXXX. ( " Lender '' ), on or about XXXX XXXX, 2006. Please Open Attachment.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Action Financial Services, LLC
State: AR

Complaint narrative:
Dept of Treasury have not contact me about my student loans, It was in collections I did not received and documents, I have called so many different numbers and no one can not tell me anything, I have gotten approved for financial aid and they took my whole tax refund but can not explain why

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: Enhanced Acquisitions, LLC
State: MI

Complaint narrative:
In XX/XX/2014 I allowed my contract with XXXX to expire to seek phone service elsewhere. XXXX assessed early termination charges that I believed to be inappropriate. I repeatedly requested verification of the basis for charges. XXXX repeatedly failed ( refused ) to provide requested verification. Ultimately, XXXX sent the charges to collections. I have now responded to the following collection entities ; XXXX, Enhanced and now XXXX. In each instances I have rejected settlement offers pending verification of the basis of the debt. Thus far XXXX and Enhanced have apparently abandon their attempts. The most recent attempt was made by XXXX. I have responded as indicated above. I am hopeful that some final resolution can be enforced by the Consumer Financial Protection Bureau.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has me as 30 days past due on my XXXX car loan account which is inaccurate, I have disputed with no change this needs to be removed. This is NOT true see attached and per XXXX THEY NEVER SENT THIS DATA to Experian. This needs to be removed ASAP as it is unfairly hurting my credit rating

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Recovery Solutions
State: TX

Complaint narrative:
This " company '' has now called my co-worker 's number 5 times in a row, within 2 minutes, and have left messages sharing information such as " they have a complaint against me '' on a voicemail that is not mine. This is AFTER they were already told to stop contacting me or my place of business, and to send written verification of a valid claim/debt against me. This has now become harassment. I searched and it appears it may be Global Recovery Systems? They also use a fake number with my area code to try to trick me into answering.

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

Complaint narrative:
XXXX continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

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