vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WESTERN CONTROL SERVICES, INC.
State: VA

Complaint narrative:
Collection agency took over claim in XX/XX/XXXX for a medical visit that took place in 2010. I had previously paid this medical provider, albeit somewhat late. ( The bill was for {$44.00} - it was not a life shattering event creating out of control medical bills. I was simply having financial problems as evidenced by later events. ) Even if I had n't paid that bill, by XX/XX/XXXX, I had filed a Chapter XXXX bankruptcy and the collection agency should rightfully have filed a claim with the trustee, but they did not. Any valid claim would have discharged with the bankruptcy in XX/XX/XXXX, yet the collection agency was not included in the trustee 's list. Perhaps because it was not a valid claim? To add further insult to injury, this collection agency never sent me any bills or notice to back up their claim. Perhaps they tried to call, but like so many other debt collectors that I dealt with during the course of my bankruptcy, they would either refuse to leave a message on my phone or simply hang up when I answered. When I tried to call back, the phone would either go to a busy signal or was not a phone that could receive in-bound calls. 

In any case, the collection agency has gone around the federal bankruptcy court, ignored the orders of the trustee ( again, assuming they had a valid claim ) and now tried to " reset '' the clock for a bill that was incurred XX/XX/XXXX, which I understand to be in violation of other laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I submitted a debt validation to this company under the Texas Finance code Section 392.202 which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent me a claims form and a old copy of the least. Per law this is to be removed from my credit report immediately. The company unlawfully started to resend collection letters after knowingly, not providing adequate information under the Texas Finance Code. I faxed the company notice that it is to be removed per law and collection to cease. However, they have not done so and have received no communication. 

The information that was to be verified is as followed per Texas Finance Code Section 392.202 : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
I have an escrow account with my mortgage. The mortgage servicer, American Financial Resources , Inc has failed to pay my property taxes from the escrow account. I sent them a note including a copy of the property tax bill more than a month ago. The never responded. I followed up with the same information again a week ago. They never responded. I called today and they claim that they are escalating the problem and that the taxes are going to be paid, but are now delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
After me repeatedly telling them please do not contact me at my place of employment they continue to do so causing me to get written up for receiving personal call while at work.

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 2017-01-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I sent in a XXXX dollar check for a lump sum payment to be applied to the principal only not the intrest and I wrote this on the check. Now that I am refinancing they told me that I do n't have to make a payment until XX/XX/XXXX but when I refinance I should not loose the XXXX dollars I put down.

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 2017-01-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
A best-friend 's ex-boyfriend who stole her identity and credit, etc got a hold of my information and applied for a live check, but it was sent to me. I know they spoke to someone directly stating they were me, when they were not because XXXX of the correspondences from the credit company stated that " we spoke about certain personal property and items that i would give to them as a result of non-payment. Last night apparently a lady who was employed with the company came to my residence again, except my roommate happen to be there, and said this crazy lady was banging on the door for XXXX minutes, screaming my name saying " I know you 're in there, and you 're in trouble. '' Then she apparently went right to my window and began banging on it. At that point my roommate was a little scared. So the lady proceeded to then get in her car and hold her horn down followed by repetitive honking for another XXXX minutes. My roommate was sick and did n't know who this lady was, but she finally got to the point of infuriated, and got up opened the door, and described the lady ( who thought my roommate was me ) approached her and came up on her like she was about to do something. She said the lady was rude and threatening to call the cops and locksmith to see if I was inside home. XXXX or Credit Central needs to know the Fair Debt Collections Act before pulling another stunt like this. Also, calling my place of employment occurred as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Fedloan Help
State: NY

Complaint narrative:
A " student loan debt relief '' company called Fedloan Help was supposed to help me consolidate my student loans and register me for an income-based repayment program but, illegally tricked me. 

I signed up for these alleged services around XXXX XXXX. They started withdrawing {$91.00} from my Visa Debit account on XXXX XXXX XXXX. Since then they have withdrawn {$1100.00} from my account. 

I found out about this scam when I asked them for my XXXX tax form. I needed them to file my XXXX tax returns. However, they did n't respond. A couple days later I received a letter from XXXX XXXX. It stated that I had not paid anything on my consolidated student loans since XXXX XXXX. I called them and told them that I had been, and that they 've been withdrawing {$91.00} each month since XXXX XXXX when I consolidated with them. This was the moment when I realized that they were XXXX different companies and that I was being scammed by Fedloan Help. 

After I made a bunch of calls and did my research, I found out that Fedloan Help illegally acted on my behalf and contacted XXXX XXXX to consolidate my loans, but never paid them what I thought was my " income-based payment '' of {$91.00} a month. They kept this money and not a penny went to paying back my loans. 

I was convinced that they were legit because they were a non-profit organization who worked with the Department of Education. They also told me that that I qualified for the student loan forgiveness program announced by Obama Administration. They also sent me emails and attachments with the Department of Education 's emblem so I was further convinced it was real. Moreover, they actively emailed and called me to advise me on the consolidation process. They were also totally understanding of my financial hardship and guaranteed that they were going to help me save money. They said that this program was created because of the XXXX dollars of student debt and that they were working with the DOE because lenders like XXXX and XXXX XXXX were scamming me. They also said that if I did n't finish paying my loans in 3 years that my loans would be forgiven. However, I should have known something was wrong when they asked me for my passwords and usernames from my XXXX and XXXX accounts. I was just so convinced that they were going to help me because I was struggling to make end meet and totally stressed out about the high interested rates and monthly payments that I was making that I was totally blinded by it all. I honestly thought they were a blessing. 

I will continue to follow up with them to see why they did this and to see if I can get my money back. So far they have n't responded and when I call them I get prompted to their voicemail system. 

And, their website is still up and running : http : //www.fedloanhelp.org/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
I had a disputed charge rising out of a dispute over cleaning bill that happened in XXXX 2009. 

The charge was sold to a collection company out of state, and it was left on my credit file. 

I have contacted the collection company, and amicably agreed to pay half of the amount in exchange to the removal of the record. 

I paid as agreed and received a receipt for that transaction. 

I have found that the record was still on my credit file on XXXX. On my second inquiry, I was told to pay the whole amount from the debt collection. 

I believe that the debt collector was using misrepresentation and intentionally try to hurt my credit to extol more fund from me. Please check on the facts and help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
Contact people came to my home XXXX visit they used vulgar profanity and I felt that he therend me, essive phone calls to my sister, XXXX man comes to my home very rude therting me I go inside home he stands on my porch yelling very loud that her lives a woman will not pay her bills could hear him all around the street I called law but he was gone before they arrived, I was served to appear in court with no court date then man calls me with news that he filing judgment got throes papers few days ago.This company has broken every collection law against me so much harassment, I need help with this matter, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am being harassed by Navient, I 'm being called 10 to 12 times per day and evenings, by several different phone numbers..My loans were consolidated in 1997, at nearly 8 % thats 20 years ago. I asked XXXX XXXX 10 years ago if they could reduce my interest rate being charged, when loans were at 3 1/2 percent, however was told if I borrowed more it would reduce interest rate on what I borrowed only. I have applied for a forbearance or deferment, however was told that i 'm NOT eligible. 
Income/sensitive reduction of payment OR ALLOW LOANS TO BE DISCHARGED TOTALLY IN BANKRUPTCY LIKE OUR NEW PRESIDENT ELECT DID ON SEVERAL LOANS. 
THE STUDENT LOAN INDUSTRY IS ONE OF THE GREATEST CONS TO REACHING THE AMERICAN DREAM ILLUSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I received XXXX letters on the same day from RMS in XXXX, XXXX. I am a resident of XXXX. 

The XXXX was a request for payment of an account with " XXXX XXXX XXXX ( re '' totaling {$1300.00}, dated XX/XX/XXXX. The XXXX was a letter " responding to your recent request for supporting information '' about the debt mentioned in the XXXX letter, and was dated XX/XX/XXXX. Attached to this XXXX letter were XXXX statements. The XXXX was from XXXX XXXX XXXX, and dated XX/XX/XXXX. It displayed a balance of {$1100.00}. The second was from the XXXX, XXXX Government, and displayed a balance of {$600.00}, and also dated XXXX. 

Neither of these documents had my correct name, Social Security Number, or any other correct information. This is not a debt I owe, and RMS is quite obviously trying to get any money they can from me for what appears to be an international, fabricated debt. 

At no time have I communicated with RMS prior to receipt of these letters, so their second letter " responding to your ( my ) request '' is utterly bogus. Of course, that 's in addition to the utterly bogus " debt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
XX/XX/XXXX I refinanced my loan on the property that I 've lived in since XX/XX/XXXX ( the refinance was to remove my exhusband ). At that time, I was told that flood ins was not necessary and was provided a XXXX stating flood zone XXXX. ( I have never been required to purchase flood ins since owning the property beginning in XX/XX/XXXX. ) Now my mortgage co, PHH Mortgage, has stated that I 'm in XXXX XXXX and do have to purchase ; they purchased on my behalf and have begun to escrow to my acct. As the FEMA flood zone mapping has not changed since XX/XX/XXXX, I do not understand why this has changed and I 'm now required to purchase. Upon questioning this, I was told that it is because of a very, very small portion of the SE corner of my house as in the XXXX XXXX, however this is where my septic drainfield is located and is elevated due to this. The base elevation of my floor is XXXX ft XXXX in which is XXXX more feet about the XXXX ft 100 year flood standard. My house is on a concrete pad so there is no basement or crawl space that can flood. I would only have damage if the water gets over XXXX feet. 

Also I know that my neighbors directly north of me were told by their bank that they did n't need a floor elevation on the survey since none of their property is in a flood zone, and my floor is XXXX in higher than theirs.

Company response to consumer: Closed
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
My home equity line came due in XXXX 2015. I 've had the loan for 10 years. I was not given notice or warning that a balloon payment was due. It was n't until I saw that my credit score going down did I realize that my bank considered me delinquent on this loan. I have continued to make payments on the line, but because of the derogatory credit items that they have placed on my credit report, I am no longer credit worthy to qualify for a new loan. Today I received a notice that my loan was in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: HI

Complaint narrative:
The home was sold at a foreclosure without proper notice in XXXX 2011. I complained for weeks, then the sale was rescinded. XXXX/XXXX/2011. It " will be sold at a later date, '' according to the PHH XXXX Department. 
Assigned XXXX/XXXX/2011 to Foreclosure Attorney, XXXX XXXX XXXX, XXXX XXXX XXXX 
XXXX/XXXX/2011 - Insurance submitted. 
I am in the process of doing a Qualified Written Request and/or XXXX XXXX. The current status is in active foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc.
State: IL

Complaint narrative:
I applied through lending tree to get a sense of what kind of auto loan I could be approved for. On the website it clearly stated that the website would not use your ssn but would instead use a soft inquiry to assess if you could be approved. I now have XXXX hard inquiries into my credit and was being hounded by various lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
The week of XX/XX/2016, I went online and saw Lending tree offered available financing rates of 2.7 % for 15 years. I filled out the application and submitted it. The next few days, I had one lender contact me, XXXX XXXX, and they said they would only offer 5 % interest rate and I had a credit score of XXXX and wanted to pay off a {$40000.00} mortgage loan. What I did received was many, many solicitations for Home Owners Insurance, contractors to build on, everything but XXXX Mortgage companies. 

Then the next week on XX/XX/2016, I called Lending Tree personally and Supervisor XXXX and his boss, XXXX XXXX. They both tried to tell me that Lending Tree does not take applications for loans under {$60000.00}, then I showed them on their own site that in the application process it showed loans even under {$40000.00}. They refused to have Loan companies contact me because I said they advertised a 15 year loan with a fixed rate of 2.7 % and I wanted to speak with a loan company who gave the 2.7 % interest rate. 

I told them that this is " FALSE ADVERTISING '' when you publicly advertise 15 year loans at a 2.7 % interest rate. XXXX began to talk very rude to me, talking over me, trying to make me hang up and then they would not have to deal with the False Advertising claim. I requested in writing for his boss, XXXX XXXX to call me back the next day and she has not called me back, therefore refusing to talk with me and deal with their claim that they could get their customers a 15 year fixed rate loan at 2.7 % interest rate. I definitely qualified with a credit score of XXXX, a home that appraised for {$170000.00}, and the loan amount requested to pay off was only {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I have a mortgage with Nationstar. I have been in my home for 8 years. I had a reduction of hours in my work and fell back on my payments. I was only 2 months behing and was doing everything possible to repay, i also sent several times all the forms by mail/fax for mortgage modification and they insisted on that never received any thing. Final letter saying that they will not received any payment unless full payment of mortgage was paid in full thas XXXX.They also said that the sherrif will be coming to make sure vacated the home. I been talking to friend and coworkers and been told that i have been victim of of unscrupulous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
I have my payment on auto pay. I have at times encounter that the change in payment does n't go thru. ( 3x ) I have always paid. Now at first it did n't register. But now that it has happened again I think this practice is very shady and unethical. My auto payment goes thru but since the sum has changed PHH Mortgage Co. does not apply the payment to the current month. It claim it goes to principal and therefore causes my account to go delinquent. On top of this they XXXX a late fee. So you can imagine my surprise when I received a bill more than double what I am used to paying. To top it off..To rectify the issue they have to file and wait for another department to XXXX and refund or deny etc.. in 15 days which causes me to be more late.Which puts me in jeopardy of more late fees! I do not understand how no one is addressing this. They are cause this so they can collect more revenue from customers. It should be a simple fix. 
Oh and by the way the agent are not notifying me of this I sent a check for the diff in payment not knowing there was a late fee. Now I just received a bill for the monthly payment they claim was n't paid ... yet the monies ( to their benefit ) went elsewhere. This can not be legal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation