vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
some is using an address that i have never lived at.

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 explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: NJ

Complaint narrative:
Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NY

Complaint narrative:
My online account access with American Education Services ( AES ) was blocked due to XXXX returned payments within 12months. It was recommended to me to set up an automatic bill payment through my bank, but I could not do that until my account/loans were paid up-to-date. I was told I could not make a payment over the phone for that payment because my account was not up-to-date, so I needed to mail a payment in, but that I could make payments over the phone after the initial mail-in payment bringing the account current. I mailed in the payment and planned on paying over the phone the next month, as I was told I could do. The following month, I called to pay over the phone and was again told I had to pay by mail, even though I was advised I could start making telephone payments. The payment was then late because they refused to accept a payment over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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: NY

Complaint narrative:
I am not able to choose the payment date for automatic payments on my student loans, leading to extra XXXX in loan interest during the year. The automatic payments default to the payment due date, and does not allow me to change the date. I am able to make payments before then and loans therefore incur a full month of interest that can be avoided. If I were not signed up for automatic payments, I would make payments early enough where I would incur a fraction of the accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Performant Financial Corporation
State: MT

Complaint narrative:
I work in a XXXX and have told Performat Recovery not to call as they are disturbing patient care and they have ignored my requests and have continued calling and harassing myself and fellow employees.

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 2016-11-06 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: Merchants' Credit Guide Company
State: SC

Complaint narrative:
I sent Merchants Credit a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt initially. l. 

I sent Merchants Credit a debt validation letter XXXX XXXX, 2016 and it was delivered and signed for. See attached. 
And I did not receive a response with the items that I asked for. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.

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 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
A law firm acting on behalf of Unifund got a court order judgement against me for way more than the debt owed. There are several points to this complaint : - Unifund 's law offices representatives REFUSED to let me speak to their attorneys. 

- they threaten me and told me not to get my own attorney. They told me if I hired an attorney they would charge me {$25000.00} in fees as a penalty. 

- I was never served papers on this case. I pulled the serve and they say they served a XXXX XXXX which is impossible bc there was/is not anyone else at the home that fits the XXXX description on the paper. 

- they keep changing the amount I owe and refuse to put the exact amount in writing. 

- when I offered to pay the amount of the judgement thet refused to provide a receipt or any paper work saying I satusifued the debt. 

- they threatened to ruin me financially and said they would never stop suing me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Merchants Credit Guide XXXX XXXX XXXX XXXX XXXX, illinoi XXXX XXXX This is a multiple offense of a company that has issued collection on my credit report. Each report was found unsubstantiated by all Credit Reporting Agencies. I placed a note on my record after each company investigated to refer to their own investigations before reporting the above and fraudulently adding same to my credit profile. They never produced a bill and can not prove the charge. I wish to report them and THE CRA 's for being negligent. I do n't know how to keep this from recurring.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
I have been the victim of identity theft and as a result the following account # XXXX from XXXX XXXX XXXX was placed on my credit report. I have contacted this company and provided them with a valid copy of my identification as well as a police report and identity theft affidavit. They have failed to contact me, nor have they removed this fraudulent account from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Performant Financial Corporation
State: KS

Complaint narrative:
A collector at DCS ( named XXXX XXXX ) contacted my husband at work to discuss my student loan. My husband is not on my student loans and I had NOT given permission for any third party to discuss my information. He gave my husband my information to verify my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX Fay Servicing assumed my mortgage from XXXX XXXX XXXX. On XXXX/XXXX/XXXX, Fay debated my escrow account {$1600.00} tax disbursement presumably for the XXXX XX/XX/XXXX property tax installment due to XXXX XXXX County on XXXX/XXXX/XXXX. However, XXXX already made the {$1600.00} tax payment on XXXX/XXXX/XXXX prior to transferring my mortgage account to Fay. This information was provided to Fay by XXXX with the loan 's transfer document. Fay caused a double payment to the tax collector. I have contacted the XXXX XXXX County Tax Collector to inquire about the double payment and was informed that : ( 1 ) they have no record of over payment ; ( 2 ) They only have a record of payment of {$1600.00} from XXXX and no record of any {$1600.00} payment from Fay for the XXXX/XXXX/XXXX installment. Fay took {$1600.00} from my account under the pretext of tax payment and kept it to itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Male from collection agency came to my mothers home and issued her paper work regarding my debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation
State: GA

Complaint narrative:
Performant Recovery XXXX Inc. has been collecting on my student debt from XXXX for over a year with a set amount of {$63.00} that is automatically taken out of my checking account each month. They have not taking out a payment since XX/XX/2016. So my complaint is that since they have not been taking any money out to pay on my debt it is not getting taken care of. My current amount that is left is {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My mortgage servicer did not apply my payment in a timely manner and caused me to be delinquent per their records. My bank confirmed the draft check ( sent by my bank - see below ) was received by SLS on XXXX/XXXX/2016. SLS did not process the payment until XX/XX/XXXX - after the late fee cutoff. My scheduled payment of {$11000.00} was placed in suspense on XX/XX/XXXX and not applied. I was current on the account and have been for 10 years. My payment is still in suspense and I received a default notice today showing my un-applied funds and a late fee of {$560.00}. I called customer service and was passed to an executive queue, where SLS confirmed that their cashiering department put my payment into suspense and would open a research ticket!!!! I should call back in 2-3 days!!!! This is an issue that should have been resolved on the spot. I have been forced to send my payment via normal mail and am concerned that it will be processed in the same manner this month. This is poor customer service and appears to be a non-compliant process - not posting funds when a complete P & I payment is in hand. 

Note : SLS does n't accept borrower initiated ACH payments anymore - my banks, both XXXX XXXX XXXX and XXXX XXXX XXXX, both confirmed SLS will not accept electronic payments and instead the Banks have to cut a Draft Check for mailing to SLS. SLS offers ACH - only if you sign up for one account on a specific day so SLS can draft at their initiative. They offer XXXX XXXX for {$9.00} a payment after the XXXX of the month. These are not acceptable options in today 's world, not convenient for me and provides me no flexibility to pay ( 1 ) on any day prior to the end of the 15 day grace period from month to month, and ( 2 ) from any of my accounts from month to month. I was able to make my payments easily before XX/XX/XXXX - and now a business practice has caused a delinquency issue, all the while they had my funds

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 2016-09-02 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: CONRAD CREDIT CORPORATION
State: GA

Complaint narrative:
I obtained services from XXXX in which Conrad acceptance was who I was to pay for the services of XXXX. Due to the misrepresentation by the Company of XXXX I attempted several times to reach out to the office to cancel this contract within 3 hours of signing and several months thereafter. I refused to pay because I felt the company was breach of contract undergrounds misrepresentation. I have sent several faxes and letters to this company explaining my dissatisfaction with the service with no replies from mail, phone or faxes. Conrad continues to send various attorneys in attempt to collect this debt, a debt I feel and have expressed several times I do not owe. Although the contract I signed, unknowingly states I waive my 3 day " cooling off period '' all circumstances become null and void when services you are paying for are never received. No one could ever be reached to schedule appointments, no one would ever call me back. How is there to be a contractual agreement between XXXX entities when the company you hired is no where to be reached to obtain said services. They took my money and ran. Conrad continues to harass me through attorneys and collection services to obtain funds, I do not owe and I should not have to pay. I have been fighting this since 2009. The contractual obligations were never met by the company and there were no intentions of the company meeting those obligations therefore the contract, once again, is null and void and no money should be due to Conrad Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been trying to get Specialized Loan Servicing to review my request for a loan modification and they have not responded or assisted me any fashion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
Company ( North Star Location services ) is contacting myself and my wife to collect a debt from / locate a family member whose debt it actually is.

Company response to consumer: Closed
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
submitted a mod review package XX/XX/<YYYY> Since then I 've submitted multiple pages of documentation as they have requested without question. Today I reached out to the lender to get clarification on a letter the borrower received requesting documents. I submit documents electronically via email. The lender claims that they do n't have the XXXX but it was submitted with the original package. They are also requesting the homeowners association statement which has also been submitted in XX/XX/XXXX. I have tried to communicate directly with the point of contact who is named XXXX but have never EVER spoken to him. Also tried to request to speak with XXXX 's supervisor and of course there were no supervisors available. The lender has continuously been unorganized. When I called for an update XX/XX/2016 I was told that the review was denied due to the XXXX being incomplete. The rep I spoke to reviewed the XXXX I sent in most recently and confirmed that it was complete and accurate and said she would send an email to reopen the review.

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 2016-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I was in the middle of a process of loss mitigation. On XXXX, the Bank asked for some documents. On XXXX XXXX, 2015, I sent ALL the documents requested through email, and the Bank officer replied " Received. Thank You ''. On XXXX, I got a letter closing my loss mitigation case because " I did n't send the requested documents '', and the Bank immediately referred my case to Executions. I reacted and proved that I had sent all the information requested. They apologized and continued with the case. They asked for more documents which I updated and provided. My case was open and ongoing when, to my surprise, I was notified with a Foreclosure Summary Claim! The Court has even set my case for trial. And I never got an answer from Loss Mitigation or alternatives I could use to prevent this. The Bank even lied openly on the Claim, affirming that they had a new appraisal of my house, when no appraiser has come to my house. The same Bank has even offered mortgage loans in my area for values under what I owe, provoking a legal discrepancy that affects older mortgages, like mine, that in 20 years, owes more than the value the Bank is attributing my neighbor 's houses.

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 2015-11-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
I recieved a letter from Robinson, Reagan, and Young in XXXX TN located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX. The letter said that I owed {$6900.00} due as a medical bill From XXXX XXXX XXXX. I called the firm and asked about this I said to them that I did not owe this amount and that this was a mistake. The firm said that I did and to call XXXX XXXX XXXX. When I called XXXX XXXX XXXX they told me that they could not find any debt in my name. So I called the firm/Collection Agency and they denied it, and told me to call again. So I called again and they again denied that I owed anything. So I called the firm again and they agreed that they would look further into my case. When I called them back they said that it was a mistake and that they would take it off of my credit Report. It has been about a month and a half and it has not been the case.

Company response to consumer: Closed
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
Specialized loan Servicing is reporting inaccurate and false data to all XXXX credit reporting agencies on a home mortgage. This inaccurate information includes incorrect balance, incorrect monthly payments, number of late payments, foreclosure status, and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I LIVE IN XXXX AND FILED BANKCARUPSY ON XX/XX/1998, ONE OF THE CREDIT CARDS INCLUDED IN THE BANKRUPSY WAS WITH BANCO POPULAR OF PUERTO RICO. THE BANK WILL NOT EXTEND ME ANY TYPE OF CREDIT BECAUSE INTERNALLY THEY STILL HAVE THAT CREDIT CARD AS BAD DEBT EVEN IT WAS INCLUDED IN THE FILING. BANCO POPULAR PENALIZES YOU PERMANENTLY EVEN WHEN MY CREDIT RIGHT NOW IS COMPLETELY REHABILITATED.

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 2015-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.

Company response to consumer: Closed with explanation