vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: NC

Complaint narrative:
My mortgage was paid in XXXX XX/XX/2016. I was due an escrow refund of over {$2100.00} no later than XX/XX/2016. It has not arrived as of XX/XX/XXXX. I am told it was mailed on XX/XX/2016, but with no XXXX tracking. I am extremely frustrated that nothing would be done to provide my own money back to me without it taking another 7-10 days. I demanded ACH back to my account, but they refused. It is unfair, sloppy, and I highly resent the nonchalant, cavalier responses I received when I was told that nothing else can be done but " wait some more. '' The RESPA law states that it SHALL be refunded in 30 days, and I want them held to that.

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 2015-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: 360 MORTGAGE GROUP LLC
State: IA

Complaint narrative:
I am a XXXX Veteran, using my VA loan. I purchased this house in XX/XX/XXXX. The house came with a separate lot, that has nothing on it, with a separatelot # and legal description. My intention was to sell this lot to pay off bills. When Itried to sell it, the mortgage company said I had to own it for one year before Icould sell it. XX/XX/XXXX, I refinanced at a lower interest rate, and to sell the lotright away. I have many emails from 360 mortgage saying that after we refinanced, we could sell it right away. On the day of signing the new papers for mortgage, Ihad to call 360 mrtg to ensure that it could be done right away. I was told yes, andthat I had to sign papers that day as they were time sensitive and would all have tobe redone if I did n't, so I signed them. Now, here we are in XX/XX/XXXX, and it all is nofurther than in XX/XX/XXXX. I spoke to the VA company, and was told that it can be done, and that 360 mrtg is just not doing it, and wants to charge me all these fees on topof the {$8000.00} some dollars they have already charged me. My realtor has also been involved in this entire process and can attest to everything, and has also receivedemails stating it will be no problem. Ca n't I sue them for breach of contract, since I have proof of what tey said? They are 360 Mortgage Company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
While checking my credit report I noticed on XXXX credit report that a medical collection account was listed. I disputed the unverified account with XXXX on XXXX different occasions however they say that it 's verified and failed to provide me any information on the method of verification. I do not have any knowledge of this alleged medical debt and XXXX has ignored by dispute and refuse to re-investigate or provide information to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I Q Data International, or RentCollect or whatever new name they choose to use, is a collection agency with hundreds of XXXX, CFPB and XXXX complaints. In my case, they ignored documentary evidence that no debt was owed and instead colluded with a property management company to fraudulently collect " past due '' accounts based on invalid information provided by the " creditor ''. What is especially insidious about this collection agency is that they do not verify the legitimacy of the debt and even after they have enough information to NOT pursue an invalid debt, they merely move forward with collection efforts and try to damage the victim 's credit rating. They claim to operate an ethical and legal business when, in fact, it is clear they do not. To be blunt, I Q Data is a crooked operation that attempts to collect invalid debts. The only way to deal with this company is to retain an attorney. They know they have been retained to collect money from victims who do not owe anything to a property management company. They willingly participate in a shakedown of renters.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
This amount came from equipment they said I did not return when in fact I did.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Viking Client Services
State: DC

Complaint narrative:
I was in an accident in a rental car. I submitted a claim to my credit card company ( XXXX ). The claim was settled. A third party company has called me multiple times over the last month claiming I owe the difference between the settlement amount and the damages despite XXXX confirming that the claim was settled and I do not owe the difference. When I have confronted them, they immediately backpedal and say it was a " mistake '' and they " see a note here '' that things are settled and fine. They quote a lot of numbers and try to be confusing, claiming they are doing everything to be " fair, '' that they record the call to make sure the consumer is treated fairly. This most recent time, when I asked for the caller to spell his first and last name, he would not do so and immediately told me that this was a mistake and he saw that I did n't owe anything. They changed the story from that I owed money to a story that XXXX had not yet settled. The first time they attempted this, I refused to pay until I had written confirmation from my credit card company that the claim had not been settled, and they kept changing the nature of the debt from a " service fee '' to a settlement charge. When I was adamant, they claimed there they just now saw a " note that this has been handled. '' It was clearly an attempt to get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I filed an complaint with Discover on XX/XX/2015, I advised Discover that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Discover are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Discover company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Discover are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Discover fail to respond in writing, signed by hand, in a timely manner, I will assume that Discover are in error and this matter will be challenged. As Discover further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Discover claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XXXX, Discover have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Turning Point Solutions LLC
State: TN

Complaint narrative:
I have received and answered calls from a company claiming to be Advanced Capital Solutions @ XXXX. I have asked them repeatedly to mail ( via XXXX mail ) me correspondence concerning the dept they are attempting to collect. They never disclose that they are attempting to collect a debt. They have demanded I pay over the phone and are still giving me the run-a-round about mailing out any information concerning the debt they are attempting to collect. I plan to also report them to the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
Continue to recieve calls from UCB in an attempt to collect a debt that does not belong to me. I have personally spoken to their representatives three times and each time have confirmed they have the wrong number and was told I would be taken off their call list. Today my wife began receiving calls from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Collections Inc
State: MS

Complaint narrative:
this is a followup to case # XXXX. When they found out I complained to you, they had a lawyer send me a letter about this complaint. Apparently I am being sued for filing a complaint with you. It didnt say in the letter any legal action was pending but why else would they hire a {$250.00} an hr lawyer to write me a refutation of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
I am the mother ( third party ) that pays the debt my daughter owes on her unpaid XXXX. I authorized a payment in the amount of {$200.00} to GC Services LLC on XXXX XXXX 2016 toward my daughter 's debt of {$460.00}. I filed a XXXX complaint against GC Services for their lack of professionalism, customer service, and delays in processing the payment. I spoke withXXXX XXXX, Chief Compliance Officer & Legal Counsel for GC Services on XXXX XXXX 2016 regarding the non-processing of the {$200.00} payment to XXXX. I spoke with XXXX on XXXX XXXX 2016 and was informed the GC Services never processed the payment to XXXX. XXXX XXXX and GC Services staff ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) all claim the payment was processed in a timely manner. GC Services is upset with my handling of the situation and refuses to process my daughter 's payment. This is a violation of my daughter 's right to have her driver license reinstated. My XXXX complaint was resolved because I believed the payment was processed at the time. After speaking with XXXX, I requested the XXXX reopen my case ( XXXX ). I have attached the following documents : email reopen case XXXX, GC Services response letter ( 1 ), GC Services response letter ( 2 ), initial XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
Debt collection never sent me any paper work about taking me to the court .I called the collector office after I received a wage garnishment mail from my job.Debt collector did n't want to tell me wich court was addressed the garnishment, happened about 10 years ago.Because I could n't get help from anywhere, I could n't stop the garnishment, because if was n't fear since the beginning of the debt situation ( credit card bank did n't want to help me ) .I lost my job and they stop the garnishment ( I payed already more of original amount that I owed ) because I start working and other job and they did n't anything.now I received again wage garnishment mail from my other job never from debt collector, and they did and different court XXXX, very far from my living address.In the letter they change the debt original date.they started again and shows like I never payed .They caused me so much expenses with fees to my bank accounts, etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Turning Point Solutions LLC
State: AZ

Complaint narrative:
this is the copy of the voicemail the company left me ... lThis is an urgent message. We are trying to contact XXXX XXXX in regards to an active filing and delivery information packet. Your immediate return response is requested to XXXX. Failure to respond will result in immediate expedition of the case in decisions being made on your behalf without your knowledge or consent. Again you must contact us by XXXX at XXXX or press XXXX now to be connected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MA

Complaint narrative:
After XXXX school, I consolidated my loans with Fedloan Servicing and have been attempting to use an Income-Driven Repayment Plan, with a goal of working towards PSLF. I have encountered myriad issues from this loan servicer, and repeatedly received conflicting information from phone representatives and failed to reach any solution with them. 

Most recently, my monthly payment ( with no recent income change ) has fluctuated between {$460.00} and {$610.00} without any explanation, without any response to my letters, and without any resolution. Previously, more than {$4000.00} of interest was capitalized due to an error of paperwork processing. Before that, a payment of {$610.00} was made for a loan payment in the amount due for that month, which changed without any notification - to {$0.00} - between the time of my authorizing the payment and its processing. Fedloan refused to refund the payment, and instructed me to contact my bank ( who were incredulous ), and currently I have an open XXXX dispute to which Fedloan replies with meaningless, pre-formed responses and refuses to work towards any resolution. 

I feel that I was egregiously misled by this sham company, and have no doubt that many other students simply trying to do good work in service of the public are being raked across the coals by a self-serving scam organization. Any time I reach a phone representative, they immediately encourage me to enter deferment, knowing interest will still accumulate at a high rate during the deferment period, and they 'll ultimately receive greater payment. 

In sum, I 've encountered numerous issues of high significance, have been unable to work towards any resolution with Fedloan servicing, repeatedly receive conflicting information from phone representatives, and am paying money that is outside of the agreed repayment term and also losing months towards PSLF. CFPB is my last attempt to resolve these many issues before I hire a private attorney. I hope the focus of this issue might also help other students in similar situations, of whom there are no doubt very many.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
Client called XXXX after closing account and switching to another carrier to see if she owed after paying her last received bill. She was told that if she did owe anything, they would send a bill. She never received any bill or notification of amount owed. She later reviewed her credit report and found that she had a collection account from XXXX for {$240.00}. When she called XXXX to resolve this issue, they refused to acknowledge that the error was on their part, that the client had attempted to confirm any remaining balance owed ( which XXXX did not confirm ), and that the client had never received a bill for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
discover card said I have to pay for a order I did not place XXXX. XXXX never sent out the furniture. discover card rep told me this. the furniture order was not in my name nor was it going to be delivered to my address. I do not have any authorize users on my accountdiscover card final decision was that I placed the order. XXXX has the furniture and {$1000.00} discover card paid them I explain to discover card that im XXXX years old and do not know too much about the internet I do have people that come to my house to help me with everyday living that has access to my personal information. I explain to discover card I did not give any one permission to use my card I also told XXXX when they called me I did not place an order. that should have been the end of it. because XXXX still had the furniture the order did have my billing address correct, phone and email correct. my name was not on the order and the delivery address was not my addressI have never charged anything on my discover card since I opened the account. there was no reason for me to look at my statement every month because I did n't charge anything on my discover card I tried to make out a police report but they theres nothing they can do because the furniture was never delivered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Law Office of Joe Pezzuto, LLC
State: AZ

Complaint narrative:
Last week Thursday, XXXX XXXX, 2015, I received a summons from the Law Office of Joe Pezzuto , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Prior to this summons I have never heard of XXXX XXXX or his law firm. I did not receive a phone call, voicemail, letter or email from this law firm. I do not currently have nor have I ever been in any contract with this law firm. They never provided me any documentation regarding this debt before proceeding against me in court. 

I do believe that they are in clear and direct violation of the Fair Debt Collection Practices Act. 

The exhibit attached in the court filings did not show my name or signature in contract with XXXX XXXX nor did it show any ownership of a debt relating to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken loans has failed to satisfy my XXXX taxes for 2015 after my loan closing on XXXX which provided for payment in full. The response I have received is pathetic. I have repeated over and over why the payment was rejected and the customer service is unacceptable. I will commence legal action as a result of your inept response. XXXX is my loan number and I am telling everyone on social media about your pitiful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am very sorry but I could not locate how to reopen a claim. This is claim # XXXX. The last regular transaction was speaking on the phone with XXXX XXXX in the Executive Offices when she assured me that the loan was a charge off. I am now being called almost daily to on this and they say they do not see the charge off occurred. I do not feel I should have to start over with this process when Chase has clearly stated that my house qualifies for no other option due to condition and value. 
My computer completely crashed and I lost dates, etc that I was keeping track of the phone calls so I am at a loss as to my next step. Please help me, if you can. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
On XXXX XXXX, 2016, the borrower 's loan servicer, Nationstar, approved him for a trial modification. That trial modification commenced with a XXXX XXXX, 2016 payment. The borrower made all payments under the trial modification, and on XXXX XXXX, 2016, Nationstar approved the borrower for a permanent modification. The borrower executed the permanent modification agreement and mailed it to Nationstar on XXXX XXXX, 2016. On XXXX XXXX, 2016, that permanent modification agreement was delivered to Nationstar. 

On XXXX XXXX, 2016, the borrower mailed a qualified written request ( " QWR '' ) to Nationstar, which was delivered to Nationstar on XXXX XXXX, 2016. In that QWR, the borrower requested the fully executed copy of the permanent modification agreement ( i.e., the copy executed by both the borrower and Nationstar ). Under XXXX Nationstar is required to provide the borrower the requested documents and information within 30 days of receiving the request. However, to date, the borrower has not received the fully executed copy of the permanent modification agreement.

Company response to consumer: Closed with explanation