vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
On or about XX/XX/XXXX, my phone with XXXX service was lost/stolen. I called XXXX to alert them of this fact and cancelled my service. The representative acknowledged that my service was cancelled. There was no contract. 
My credit card was charged ( {$85.00} ) for service from XX/XX/XXXX - XX/XX/XXXX. There was no charge to my credit card for the period XX/XX/XXXX-XX/XX/XXXX. Then, my credit card was again charged ( {$85.00} ) for the period XX/XX/XXXX-XX/XX/XXXX I had not resumed any service with XXXX for these time periods. 
I went to the XXXX Ohio XXXX store to straighten out these billing errors. The store manager at that time was XXXX and he and another employee XXXX, called the billing dept to straighten out this issue. They talked to a representative for about one-half hour and told me that possibly they had been able to resolve this issue but were not certain. 
So, I contacted my credit card and told them I was disputing the XX/XX/XXXX and XX/XX/XXXX charges. Subsequently, my credit card company sent me a notice stating " ... the credit card dispute with XXXX has been resolved. The credit we issued to you ... will remain on your account. '' Thus, the erroneous charges were credited out of my account and XXXX at that time acknowledged that no charge should have been made. 
Beginning on XX/XX/XXXX, I have received four or five debt collection letters from XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) and Receivables Preferred Management ( 10/08/16 ). In each instance I have sent the above information to each within the time period required. But the only result I have had is that this non-debt is sent to another company or affiliate.

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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I have a Federal Perkins Loan. Each year, I submit a cancellation application to XXXX University because I am a teacher in a low-income district. I have been doing this for six years. In XX/XX/XXXX, I was notified that a payment was due to ECSI Heartland and that my loan was now being serviced by them. I contacted them by phone, email, and mail and never received a response. I was given a ticket number by them, and they admitted to me that they did not respond to my claim that my loan is in cancellation. Last month, I was notified by my credit monitoring company that a missed payment was reported by ECSI Heartland. I immediately got in touch with a supervisor and she told me she would handle the negative credit reporting. It has now been three weeks, and nothing has been resolved. My account is still delinquent, the negative credit reporting is still on my account, and no one has been able to answer any of my questions regarding cancellation, including the supervisor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Receivables Performance Management, LLC
State: MO

Complaint narrative:
the number they are calling is my work cell phone. I have repeatedly ask them to stop calling me at work, the caller apologizes then an hour later another call. this company also calls my house at least 15 times daily without leaving any messages. I have asked to speak with a supervisor each time the caller hangs up on me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
My initial communication to Collection Consultants was XXXX XXXX, XXXX, after having discovered this account on my credit report while in the process of buying a car. 
Meanwhile I disputed with CRA 's online. After sixteen days with no response, I submitted a CFPB complaint on XXXX XXXX, XXXX. To date, Collection Consultants was unresponsive to this as well, so I disputed with CRA 's again through the CFPB. 
I sent another letter to Collection Consultants on XXXX XXXX, then again on XXXX XXXX, XXXX, requesting underlying documents from the original creditor, including a chain of title, since I was unable to reconcile this account and amount, and suspect that it is something that was already paid in full by my parents years ago. 
A response from Collection Consultants was finally received on XXXX XXXX, XXXX, in the form of a printout of the itemized account information. I had requested an original itemized statement from the original creditor to review ; the FTC has stated that a " mere itemization '' is insufficient proof to constitute validation of an alleged debt. Per the limited detail provided by Collection Consultants, in fact, it appears that an unknown " adjustment '' was added to the account balance after payments were made, creating a new " balance ''. As of XXXX, XXXX, Collection Consultants recent collection letter has inexplicably inflated the unsubstantiated debt from {$1700.00} to {$2400.00} or {$2400.00}, depending on which letter you look at. 
Further, it seems that CC may not be the first debt buyer to be involved with this account, given the reported assignment date of XXXX XXXX. Incidentally, the original date of assignment to collection is most likely much earlier, according to your records, XXXX XXXX was initial delinquency, yet is being inaccurately reported to appear recent. 
Collection Consultants was requested to document their ownership of the debt, the balance of the debt, the date of the default or last payment, the identity of prior owners of the debt and the name and address of the debtor in the original creditor 's records. In addition, the debt buyer must also have the original contract or a document provided to the debtor while the account was active to show evidence of the debt. 
Please note that, in over 70 days since my initial letter, Collection Consultants has failed to prove that this debt is mine, that it is accurate ( I 've never had Physical Therapy in my life! ), failed to provide me with an original contract made with the original creditor, and has failed to provide me with proof that Collection Consultant 's has a legal right to collect on this alleged debt, as I requested. All collection activity, which includes reporting to CRA 's is legally required to cease until this information is provided. This was not done, and Collection Consultants is in violation of federal and state debt collection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
I was approved for a loan to buy a home, by RP Funding Inc.. I paid for an appraisal to be done on the property. I was subsequently denied the mortgage. I obtained new financing on the same property, Through XXXX XXXX XXXX and they have agreed to use the original appraisal I paid for. The Appraise, XXXX XXXX Services agreed to reassign the appraisal to the XXXX, if RP Funding Inc. will release the appraisal. The original finance company is refusing to release the Appraisal to be able to reassign the appraisal to the new finance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northern Alliance Management, LLC
State: NC

Complaint narrative:
Northern Alliance Management/NAM contacted numerous times threatening to call the " feds '' on me bc I supposedly owe a credit card bill. They refuse to provide debt validation only a pay off offer and that 's on via email. They scream at you and then hang up on you. They have been advised until they send us via US mail a debt validation letter not to contact us. It 's in my name only but continue to call my husbands place of business looking for me. They have both my home and cell. They leave rambling messages on vm stating they 'll either come and pick me up or come serve me papers or call the " Feds '' to come and get me. When they leave a vm they do n't advise it 's an attempt to collect a debt nor do they do so once they have you live on the line. They use numerous phone numbers to contact me via. They use a robo caller asking for me to hold for the next available rep. We informed them we suffered ID theft therefore we needed the debt validation letter, I was told that yup all dead beats as myself who refuse to pay her bills say such.

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: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
XXXX/XXXX/16, I started a refinance loan with, XXXX XXXX financial, XXXX XXXX XXXX CA. Within the first month of processing : the appraisal, credit qualification, application and pest inspection was completed. XXXX, I was asked for a military document that does n't exist, fortunately with the assistance of XXXX XXXX military personnel-I was able to prove my eligibility. 81 days later, I have not received any communication except " Required Disclosure Requirements '' must be met first before this loan can close. I believe that my file is being held until the rates change and then my loan will be charged an higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 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: Receivables Performance Management, LLC
State: MA

Complaint narrative:
Back in 2013, we were billed by XXXX for usage that we were n't responsible for. Due to us switching carriers, there were some discrepancies with billing where there was an overlap of carrier usage, thus causing XXXX to perceive that we still owed them usage charges. After receiving numerous billing statements from XXXX ( even after trying to resolve this issue over the phone, another company ( hired by XXXX ) contacted us for payment. A letter was sent to clarify the situation and further communication resumed between us and XXXX, and the charges were adjusted and the balance paid. We are now getting phone calls ( multiple daily phone calls ) from a supposed debt collection agency to pay money owed to XXXX. After telling us the amount owed, they ask for information needed to pay this debt. I did not provide that information and told them I would contact them as soon as had information confirming that I no longer owed anything to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
My lender has instituted a monthly " convenience fee '' every time I try to pay my loans. The only option to not have to pay said " convenience fee '' is if I enroll in their autodraft program, but when I attempt to do so, their website says my loans are ineligible. I have been paying my loans in a timely manner for 8 years and do not understand why I am now being penalized for attempting to continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Northern Alliance Management, LLC
State: VA

Complaint narrative:
I have no idea who this company is collecting for as they have never identified themselves. The recorded message states that they have attempted to call me 5 times, which is not true. The message goes on to say legal action will be taken if I do not return their call. They never identify who they are by giving their company name. I have a right to know this before I give personal information out over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: Receivables Performance Management, LLC
State: OH

Complaint narrative:
In XXXX of 2014, I moved to a new residence where I paid my last bill owed, but tried to transfer my service with XXXX. XXXX came out and could not find a line-of-sight to connect my service, and I was not allowed to have it per my landlord/tenant rules I was unaware of which deemed my contract null and void. My chapter XXXX bankruptcy was not discharged until XXXX of 2014 so even if this all had not happened I would still owe XXXX nothing. They continue to send a bill to collection agencies, and tamper with my credit illegally. The new agency they sent false info to is at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: GLA Collection Company, Inc.
State: SC

Complaint narrative:
Well it all started we i ask gla to send me a copy of a lease that i sign.I spoke to XXXX and he said i had thirty days to respond to the letter that they send to my job, which i did I also told him the only way that they could have gotten my home address is by speaking to me, because the letter that was sent to me was sent to my place of employment. They still refuse to send me any document that i have requested. XXXX XXXX also told me that they have already contacted my employer and that the money will be deducted out my check which i told him to do what he needed to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
We closed on our house in NJ on XXXX/XXXX/2016 and we are still waiting for our escrow check. Since the XXXX or XXXX of XXXX we have been calling them every week, and we get a different story about the check every time we call. Since out first call in XXXX to this day XXXX XXXX, They have supposedly sent out XXXX checks due to us not receiving the first, the second and the third check. They also told us they were going to do an investigation on the first check we never received to see if it had been cashed. And of course when we inquired about it they told us it was internal information and that they could not tell us what happened to the check. Now there saying that it is the Us post that keeps losing the checks, however they could not present any real truth to this as they were not able to give us a tracking number for these checks. Regardless, if this was the case would they not be willing to resolve this issue with the post. 
The company is called Roundpoint mortgage and is located at XXXX XXXX XXXX XXXX XXXX, NC XXXX Can you please help us. We are at our end!!!!!!!!!!!!!

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 2015-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
The bank assessed fees of {$35.00} for overdraft and also a {$27.00} a day fee for the account which they are now trying to sue me for. These fees are obsurd and also saying they paid when they did not pay, and they said they did the overdraft protection is discrecionary and nothing was approved or paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I am disputing the charge of {$760.00} from XXXX CA because I was interested in purchasing an electric scooter a.k.a hoverboard, from this company back in XXXX 2015 and because of the price, declined to do so. While I was speaking to the salesperson for almost an hour in an outside flea market, which all the " stores '' were in a tented area, some of his sales people were surrounding potential customers frequently. I know I had my card scanned from a skimming device that takes your numbers off of your card and was charged. I saw the pending charge later that night when I looked online and it posted permanent two days later. It is a FRAUDULENT charge! I called the merchant the very next day at his phone number on the business card, which was either turned off or when on, I left a message with no return call. The same day, I also tried to email the merchant, but the email bounced back telling me that email address does n't exist. I 've filed complaints with the Attorney General, but was told only my credit card company can help me. I have tried to dispute, but to no avail. I am going to take this as far as possible if you wo n't help me because I have been taken advantage of and had fraud committed against me. I have attached a copy of the merchant 's business card. I 'm sure he is aware of his illegal business practices. Please help me resolve this. Thank you for your assistance!

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 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: WA

Complaint narrative:
Seneca Mortgage Servicing Predatory PracticesSee XXXX reviews for issues similar to mine XXXX mortgage was transferred to Seneca and has never been in default. 

XXXX withheld {$0.00} for my county taxes and now has raised my mortgage payment by over {$500.00} to cover their self-created shortfall of {$3700.00}. Seneca is also withholding insurance in escrow but is not paying the insurance, which I just paid in full yesterday XXXX {$1000.00} XXXX to protect myself from Seneca. 

I am able to afford this increase but I am deeply concerned after reading those XXXX reviews that other people might not be so lucky and might lose their homes to this pattern of predatory mortgage servicing. 

Since I am not in default, I do n't think that there is any relief for me personally to be had but I wanted to bring Seneca to your attention before they do any further harm to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I was sent a tax bill and I ask RoundPoint mortgage to redo my escrow analysis XX/XX/2016 due to a decrease in taxes from a Homestead Exemption. They kept calling me and telling my mortgage payment was late for 4 months. They sent me a escrow analysis that was redone with a new payment amount due XX/XX/XXXX, that was still incorrect. I paid the money because I did not want them to negatively impact my credit score. I now get my new tax bill and its is less than half of what they are trying to make me pay for escrow. They kept telling me that they could not get in touch with the XXXX County Tax department in Texas. I also ask to speak to a supervisor 8 times between XX/XX/XXXX and XX/XX/XXXX and a supervisor was never available or ever called me back. I paid them over {$9000.00}, when my tax bill was only {$4600.00}. They have double charged me on my taxes and I want my money back immediately.

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 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I recently refinanced my home mortgage. The payoff exceeded the balance of the note by {$2000.00}. The loan paid off was serviced by Round Point Mortgage Servicing Corporation. The loan was paid in full on XXXX/XXXX/2015. As of today I have not received the balance of the overpayment nor have i received a date as to when I will receive my funds. I have spoken to RPM 's customer service and have yet to be the beneficiary of any of their promises.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Caliber Home loans is continuing with the foreclosure hearing XXXX XXXX, 2015. The last complaint I filed with CFPB was to stop foreclosure and pay me the Respa money at closing when my house sells. Caliber is avoiding the response to you. This is not a duplicate. Thank you so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I have been trying to get a loan Modification from Caliber Home Loans since XX/XX/XXXX. I have repeatedly filled out applications per there request. They just sent a denial letter stating I was ineligible for any short term loans or interest only loans. I was supposed to be being evaluated for a repayment plan. Now I have to start all over with an appeal process and they still wo n't accept my payments!! 
There are discrepancies on the statement they have n't addressed. It says I accepted a loan modification in XX/XX/XXXX - I have never signed nor seen a modification document from them. They have payment reversals listed which I have no idea what those are for and they sent {$600.00} to my ex wife who is n't supposed to be on the loan anymore.

Company response to consumer: Closed with explanation