vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL

Complaint narrative:
Blatt , Hasenmiller , Leibsker & Moore , LLC has sued me and has been going to court dates without my knowledge of any of it. They are sueing and has threatened myself and my employer ( as of yesterday XXXX/XXXX/XXXX ) for garnishment of wages, all for an old XXXX XXXX XXXX that I did have about 8 years ago that was left with maybe about {$80.00} balance on the card before I closed it. Blatt , Hasenmiller , Leibsker & Moore , LLC is now attempting to garnish my hard earned wages without any of my prior knowledge in the amount of {$2100.00} for the aforementioned old credit card debt. They have not contacted me, and I have not received any mail from this company ever. They called my employer yesterday ( XXXX/XXXX/XXXX ) for an " active employment verification '' and my employer told me that Blatt , Hasenmiller , Leibsker & Moore , LLC had forced them to complete their garnishment report and said that it was court ordered. My employer told me what was going on so I then called the number back that they 'd called from and spoke with a representative of Blatt , Hasenmiller , Leibsker & Moore , LLC, named XXXX. XXXX explained to me that this was from that old credit card from XXXX and that it is too late for me to do anything because they were already in the garnishment process and told me that they were taking 15 % of my wages until they reach a total of the {$2100.00}. He told me that they will not offer me a payment arrangement, or a settlement because they did n't need to as they were already going to just TAKE the full amount. I do not owe these people {$2100.00}, I have never received any communication nor court papers from these people and now Blatt , Hasenmiller , Leibsker & Moore , LLC has said that they have another court date on XXXX/XXXX/XXXX at the XXXX XXXX at XXXX ( which I still would not have known of if I had n't reached out to them ). These people are bullying a law abiding, tax paying single parent like myself and I am sure many others as well. Now I have to take off of work on Tuesday ( losing more money ) to go downtown to see what can be done. Although XXXX told me that nothing can be done and that they are taking everything. How is this possible? They have also had a really negative impact on my credit report in the public records section. The actual credit card is no longer even on my credit. Please Help Me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06 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: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Previous case # XXXX is on file. Company mailed me, stating debt is still owed, despite evidence shown that XXXX XXXX is responsible for ANY and ALL debts incurred by XXXX XXXX, on or before XXXX XXXX, 2015. This also hereby serves as an official cease and desist notification to this collection agency, including postal and or electronic mail, telephone communications of any kind, as well as credit reporting. The divorce decree was attached in the previous complaint. Also, 33 calendar days ago, I requested a list of any and all credits and debits of alleged debt. That honor has yet to be fulfilled, and it is beyond the 30 days of request, hereby making this attempted collection null and void, in accordance with the FCRA, and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Asset Management (Texas)
State: TN

Complaint narrative:
I got a phone call this afternoon from a XXXX XXXX. She represented herself as the attourney for Consumer Asset Management. 
Her claim was that I owed XXXX $ on a credit card. I explained to her that that was impossible as the credit card she was referring to was in fact closed and was closed with a XXXX ballance. 
I asked her about the original creditor to find this information out. 
During the call she told me that unless I paid today they would be filing a lawsuit to garnish my wages in my current county. 
I again told her that this was not correct and got her information. 
I emailed the contact for Consumer Asset Management and they informed me that there was a company with a similar name in texas that was most likely using there name to do something illegal. 
I also contacted my creditor and confirmed that the card had been closed and had a XXXX ballance. 
I call XXXX XXXX back at XXXX ext. XXXX. 
She again tried telling me I owed money only this time telling me that they would accept XXXX {$.00} 
I informed her that I had contacted my creditor and that they in fact confirmed that they were in good standing. 
At this point she told me to hold while she went to get my file and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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: Stellar Recovery, Inc.
State: TX

Complaint narrative:
I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my XXXX Credit Bureau file in 2012 to have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: NM

Complaint narrative:
XXXX XXXX has my name and social security tied to an unpaid account that does not belong to me. They used Stellar as their collecting agency. Since the unpaid account did not match my address, I never got a bill from XXXX for the unpaid balance. The first time I was approached about this issue was from a Stellar agent. He spoke with my wife, as my wife was trying to communicate to him that we did not reside at that address and our name should not be tied to that account, the agent told my wife that sometimes people can be living a double life ( big time harassment ). Since the amount is only for XXXX nobody is willing to put in time to investigate the issue. My credit is tied to this unpaid bill and now I am trying to buy and investment property and the bank is telling me that I have to pay this debt. Please help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Praxis Financial Solutions, Incorporated
State: PA

Complaint narrative:
Praxis Financial Solutions XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from XXXX XXXX Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to XXXX. Although my concerns were clearly documented with specifics, XXXX has rerouted my concerns ( with inaccuracy ) to a " request for XXXX to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, XXXX 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like XXXX have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from XXXX. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression PFS XXXX received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with XXXX to " right this wrong ''. 

We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. 

As it now stands, XXXX has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Consumer Asset Management (Texas)
State: TX

Complaint narrative:
A XXXX XXXX has been phoning my home from an untraceable phone number ( perhaps registered somewhere XXXX XXXX and when I phoned him back he told me he was working for a " client '' that told him I owed over {$13000.00} to a credit card company and they were going to add {$5000.00} in penalty. I tried to get his address, he refused. I told him any debt resembling that amount was paid off years ago. I asked the name of his " client '' and he refused to tell me. He also had a recorded message from another untraceable phone number leave a message about the government starting an action. He hung up on me twice. He was very rude.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc.
State: NY

Complaint narrative:
A very large company XXXX SoFi XXXX that refinances student loans is undoubtedly engaged in deceptive and predatory lending practices. I know this because I used them to refinance my student loans recently. They advertise interest rates that would clearly be interpreted by any reasonable person as annualized rates and even call the interest rates " Annual Percentage Rates '' in the loan documents but they actually compound this rate on a daily basis, making the effective annualized rate significantly higher than that which is being advertised. I carefully reviewed the loan documents I received and only in one place, buried deep in the disclosure, does it say interest is accrued on a daily basis, and even that description is confusing because it fails to disclose that the actual interest rate a borrower will pay on an annual basis is higher than the " Annual Percentage Rate '' because of the daily compounding of interest ( which I think is a very material omission ). I genuinely believe SoFi is secretly robbing indebted students of XXXX dollars PER STUDENT by engaging in these predatory tactics and I believe action needs to be taken against them immediately. SoFi includes a well-crafted arbitration clause in their loan documents and the clause prohibits class arbitration, which effectively prevents any borrower from bringing a claim against them. I would be happy to represent myself against them, and luckily the agreement states each party pays its own legal expenses unless a claim is frivolous, but the fees of the arbitrators would quickly dwarf the amount at issue in my individual case, WHICH IS WHY I NEED YOUR HELP. You are the only available remedy for these kinds of shameful, predatory tactics. SoFi is a HUGE ORGANIZATION and the effect of taking action against them would benefit XXXX students. You have the ability to do a lot of good here ; please do n't just let it pass you by. This is wrong, legally and morally, and you should do something about it. If you agree to pay my share of the arbitrators ' fees I would be happy to take up this cause myself and set a precedent against them ( though decisions in arbitration are n't binding, it would still look very very bad for them and may encourage changes to their practices ) but I am not going out of pocket XXXX dollars more than I already am out of pocket because of these shady practices ; I really ca n't afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 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: Stellar Recovery, Inc.
State: NC

Complaint narrative:
Original CFB Complaint # : XXXX & XXXX On XXXX XXXX 2016, I received notification from the MT AG, whch stated that Stellar Recovery notified them that they contacted the OC and was not able to verify this debt. And that they have ceased all reporting and collection activity. Somoene is lying, because this is listed as a closed case, that is PAST DUE on my CR, which affects my credit. Stellar Recovery needs to properly send a cease and remove letter to ALL CRAS that they reported this debt to IMMEDIATELY! IT DOES NOT BELONG TO ME! Therefore you are aiding in ruining my credit! Remove this NOW! 
Record # : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC
State: IN

Complaint narrative:
I obtained a loan thru XXXX XXXX of Prospect Mortgage XX/XX/XXXX. I was referred to XXXX XXXX from a loan officer at Prospect Mortgage in XXXX that I was preapproved with. The loan officer in XXXX was helping me to obtain Down payment assistance and other assistance with the government. I was referred to XXXX XXXX because I switched from XXXX to XXXX and she was supposed to be a loan officer that could help me to obtain all the assistance that the government had to help with the loan. When speaking to XXXX XXXX on the initial call she told me that she was able to offer help thru XXXX Housing and also forwarded me information to help with this. Throughout the loan process she told me multiple times that everything was in place with Indiana housing and the MCC. I was informed 2 weeks prior to closing and assured that everything was in place to get the MCC credit and my loan wa being delayed because of the process for the MCC. I called XXXX Housing to verify that what XXXX told me was true. When speaking to XXXX Housing they informed me that nothing was submittted. I informed XXXX via email. I was informed 1 week prior to closing that the MCC with XXXX Housing that I was told that was setup was not able to be obtained thru Prospect Mortgage because of the company not being approved for this. Because of this XXXX XXXX gave me XXXX options only a couple of days before closing. The first option was to pull out of the loan and not move forward with the house. The second option was to move forward with the loan without the MCC ( Mortgage Credit Certificate ). I chose the second option because Because there were multiple people involved but because I was n't informed until the end that they were n't approved to do t I lost out on a {$2000.00} credit for 30 years which totals {$60000.00}. If I had been informed by XXXX in a timely fashion that Prospect was n't approved for it, I would have went with a company that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: TN

Complaint narrative:
Global Receivables Solutions is attempting to collect a debt I have on a medical bill from XXXX XXXX XXXX XXXX, and have been doing so for the past 2 years. 
However, I am already paying this debt back through a different agency called XXXX XXXX XXXX XXXX XXXX, and my account with them is open, in good standing, and has been since XX/XX/XXXX and has not been transferred to any other agency. 
This is the third time Global Receivables has attempted to collect this debt, and the third time they have been able to attach a collection notice to my credit report. 
On Friday XXXX XXXX, 2016 the most recent collection was removed from my credit report after I filed a dispute. However, XXXX XXXX, 2016 the notice is back. 
This needs to be corrected immediately, and I would suggest that the FTC look into this companies practices for debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Hello, I had contacted you back in XX/XX/XXXX regarding the lender ( Union Bank ). 
My husband was very ill and I was taking care of him in this what I call it our XXXX. At that time, my lender was XXXX Bank and XXXX who decided to obey the new law and lower my XXXX % interest rate down to XXXX %, which was supposed to last until XX/XX/XXXX I kept paying my loans every month and on time. Union bank took over the previous bank and I kept paying on XXXX % interest until I contacted them on XX/XX/XXXX and asked about whether my loan is changing and they replied, over the phone and without any documentation to confirm that my principle has been extended to the year of XX/XX/XXXX and the XXXX which is a Home Equity is extended to XX/XX/XXXX. I was relieved when I heard and without asking for confirmation about the Phone conversation. 
I am a widow and my husband has passed away in XX/XX/XXXX, I have contacted this bank and asked if they can reduce my monthly payment and live comfortably. They denied helping me. Any time I asked for help, I heard them telling me either to go Reverse Mortgage or liquidate my home. I feel this is a matter of discrimination agaist me because I have no husband and I am in my XXXX 's. 
Instead of lowering my monthly payment which was around $ XXXX, they surprised me on XX/XX/XXXX, with a XXXX package in front of my home and being addressed to my deceased husband without my name on it and they raised my rates and my monthly payments asking me to sign the package and return it back to them before XX/XX/XXXX or else the loan will go up to XXXX % automatically. I called them and told this is totally illegal and I am being harrassed by this. Their response was that they were being audited and found out that my loan was supposed to change to XXXX % and they missed it and they wo n't charge me for repayment of XXXX years that I was on XXXX %. They did this so they know I wo n't be able to afford this payment so they can foreclose on my home. I have paid enough money in this house during my husband 's illness and death and now I have his survivor 's and pension income and I am a full time worker on a minimum wage. I feel I am being taken advantage off since I have no husband to support. I am qualified to lower the monthly payment and keep my home and not interested in Reverse Mortgage or being thrown on the street ( Foreclosed on ). 
XXXX XXXX 
XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am filing a complaint because my mortgage payments are missing. I have had XXXX dollars paid on my behalf to Ocwen from XX/XX/XXXX to XX/XX/XXXX. My loan balance in XX/XX/XXXX was {$120000.00}. My balance XX/XX/XXXX in {$110000.00}. I am missing XXXX of payments applied to my account. My balance should be XXXX. I have called Ocwen on several occasions but I have not gotten a response. In addition, I have attempted to apply for a Principal Reduction but I have not gotten any response from Ocwen. I will have to sell the house because my mortgage is not adequately serviced by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lazarus Financial Group, Inc.(Closed)
State: TX

Complaint narrative:
I believe this is a scam by XXXX XXXX. They are asking for XXXX but I had no debt. I believe this is a mistake. I rented an apartment ( duplex ) from them from XXXX had left the apartment in immaculate condition ( better than when I moved in ) and paid a professional service XXXX XXXX XXXX clean the apartment, including the bathrooms, behind the appliances, and ceiling fans and shampoo the carpets. I have a receipt for {$350.00}. I have pictures as well. I even cleaned out the garage floors. It was n't even dirty to begin with I am a very clean person, living alone. There were no damages to the walls, I did not even hang any paintings. They did not complete a walk through with me because it was a holiday weekend and they were closing early. Not only did they they not give me my deposit back, they billed me an outrageous amount of money for normal wear and tear such as painting, but again, I did n't damage anything. There were previous cracks in the tile which they knew about. I also changed the locks ( With their permission and still kept the original ) and they said I did n't have to change them back just drop off the keys. I wrote them to inquire what those charges were for and that I believed that they were they may have confused me with another tenant and they wrote me a nasty email back and sent my information to collections. I believe I went above and beyond. I was very cordial and tried to work with them but got frustrated. I recently searched the intenet and found XXXX XXXX had done the same things to other previous tenants. Why they would try to intentionally damage someones credit I do not know except to hurry them so they could not rent from someone else. I am considering initiating a class action lawsuit for the false accusations. I had a friend who rented from them who had XXXX dogs who destroyed the apartment and they treated me just the same as her which I thought was not fair.

Company response to consumer: Closed with explanation