vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
Every few weeks I receive a call from my mortgage servicer, PennyMac, offering to refinance/restructure my existing loan. My current loan terms are {$510000.00} in remaining principal on a 30 year fixed mortgage at 3.5 %. I am 3.5 years into my mortgage and it was an FHA loan which means I am subject to PMI until I reach XXXX % LTV, which is supposed to occur in XXXX 2019. 
The promise on the sales call is always that I will be able to reduce my payments by starting a new loan. However, it naturally begs the question, " Why would the entity which holds a mortgage commitment *voluntarily* offer to make less on a loan commitment which I am legally obligated to? ". When I find out the specifics of the loan offer and run the numbers myself I always inevitably find out the same thing ; I would be paying MORE money by restructuring the loan. The main reason for this is that new FHA streamline loans, which are what 's being offered on these calls, call for PMI for the life of the loan rather than the old FHA loans which required PMI to XXXX % LTV like I currently have. Adding up the additional payments results in tens of thousands of dollars in additional money paid out over the life of the new loan, even though the term length of the loan is even shorter than the remaining length of my current loan and the offered interest rate is a quarter point less! 
My complaint stems around the fact that I am a relatively sophisticated consumer with a financial background. I am worried that the average consumer would never tumble onto the fact that they are being given a high pressure sales pitch that results in them paying vastly more for their mortgage even though their monthly payment is lower. This seems highly unethical to me and I would like for the CFPB to so some research into whether this is legal and, if so, whether it should be in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I was contacted by Diversified Consultants Inc in XX/XX/2017 regarding a collection balance with XXXX. During that conversation, I disputed with the validity of the debt with the representative. The representative told me that I could find the bills with the charges by going back to XXXX for the billing details. I followed up the verbal dispute with a letter disputing the collection. 

On XX/XX/XXXX, Diversified XXXX contacted me and I disputed the charges again. I dispute the amount of charges imposed by XXXX, as I could n't possible owe {$3500.00} for terminating my services after 10 years with the company. The representative again told me to go on XXXX to pull up the bill. This is a direct violation of the Fair Credit Reporting Act requesting validation of the debt. The representative offered me a settlement of the account and due to their unethical practices, offered me a settlement taking {$1400.00} off the balance. I continued to feel pressured to take the settlement as to not affect my credit rating. 

I accepted the settlement, gave out my personal financial billing information for the installment payments. During the call with the representative, I asked about the account now affecting my credit. The representative told me that, of course after getting commitment of the payments, then said that the account would be reported to the credit bureau the very next day. I asked for a letter confirming the payments and the arrangements and the representative said that they do n't have these type of letters to provide. 

I asked the representative to speak with a supervisor to understand that after being pressured into a settlement of an account that is inaccurate why would they continue to falsely report inaccurate information to the credit bureau. The supervisor told me that there is nothing that can be done, the account would be report and updated as " settled in full '' once the final payments were completed. But until that time, they would report the entire inaccurate balance of {$3500.00}, not the settled balance. 

The unethical practices of Diversified Consultants has damaged my credit, as I was in good faith trying to make arrangements and pay the accurate amount for the XXXX account. To this day, I still do not have the final billing or validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
The following company listed below is calling and threatening to file suit on a debt that is not owed. They claim they are collecting on behalf of HSBC and are attorneys, when they clearly are not a law firm. They use threatening language and clime they do not need to abide by the FDCPA. Clearly, serious action must be taken against this firm. 

XXXX XXXX XXXX XXXX, XXXX AKA XXXX AKA XXXX 
Posted in : XXXX XXXX XXXX Web site lists the address in Florida : XXXX This place is also using the same address : XXXX XXXX gives them a D+ with XXXX complaint : XXXX XXXX is not registered with the Florida Dept. of Financial Regulation as a collection agency which means they are illegally operating as a debt collector. 
XXXX. XXXX says they are only in business since XXXX XXXX, XXXX which means they have been trying to steal money right from the start : XXXX XXXX XXXX XXXX, XXXX Filing Information Document NumberXXXX XXXX/XXXX XXXXE Date XXXX Effective XXXX StateFL StatusACTIVE Last EventXXXX XXXX Event Date XXXX Event Effective DateNONE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Registered Agent Name & Address XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX Authorized Person ( s ) Detail Name & Address Title XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Here is the XXXX info for their web site : XXXX XXXX XXXX Updated XXXX second ago - Refresh Domain Name : XXXX XXXX : XXXX 
Sponsoring Registrar XXXX ID : XXXX XXXX Server : XXXX Referral URL : XXXX : XXXX Name Server : XXXX Name Server : XXXX Status : clientTransferProhibited XXXX Updated Date : XXXX Creation Date : XXXX Expiration Date : XXXX medicalinvestigations.com registrar XXXX Updated XXXX second ago Domain Name : XXXX Registry Domain ID : XXXX Registrar XXXX Server : XXXX XXXX URL XXXX Updated Date : XXXX Creation Date : XXXX Registrar Registration Expiration Date : XXXX Registrar : XXXX 
XXXX XXXX ID : XXXX XXXX Contact Phone : XXXX Reseller : Domain Status : clientTransferProhibited XXXX # clientTransferProhibited Registry Registrant ID : Registrant Name : XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX : XXXX XXXX XXXX : PA XXXX XXXX XXXX : XXXX Registrant Country : US Registrant Phone : XXXX Registrant Phone Ext : Registrant Fax : XXXX Registrant Fax Ext : Registrant Email XXXXXXXXXXXX Registry Admin ID : Admin Name : Support, Technical Admin Organization : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Loan company applied payments to credit card, not auto loan. Auto loan in default because of this. Payment check referenced the last XXXX numbers of the auto loan ( as it was on the billing statement ). USAA, with whom I have both a credit card ( in default/very late as payments were insufficient ) and an auto loan, refuses to credit the amount to my auto loan. I expect soon to have my car repossessed, though I should have been current with payments. ( I stopped making payments the last 3 months while the USAA was supposed to be sorting this out. Now when I call and I get placed on terminal hold, such as 20 minutes today without anyone picking up after my call was forwarded. Online logs me off repeatedly when trying to get my information, noting that I have unresolved charges. This evening, when trying to gather documents for this complaint, I have been unable to access the information online. When I actually got to speak to people initially ( months ago ), they noted that no payments were shown on my accounts and that obviously my bank was in error. Then, when I pulled up the cancelled checks, the person insisted, as if it was an acceptable explanation, that they have XXXX checks that they process each day. They refused to forward the documents for this issue, insisting I can get them online. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX XXXX sold my alleged debt to a collection company. I was forced to settle the account to protect my credit. When XXXX sold me their cell service the representative told me that I could make toll free calls to XXXX. I relied on this and spoke to family in XXXX extensively and was charged over {$1000.00} for the month. When I attempted to contest the charges with XXXX I was given the run around and treated " like a criminal ''. I was promised adjustments and an investigation but instead my account was sold to a collection company. I was forced to settle with the collection company as the debt was interfering with my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: Diversified Consultants, Inc.
State: AL

Complaint narrative:
Diversified Consultants is a Debt Collector who buys debts. Allegedly, XXXX XXXX XXXX sold them an account with my name for old services I use to have through XXXX XXXX XXXX. The account, XXXX, was early terminated by myself for lack of services and breach of agreement with XXXX XXXX XXXX. So, I paid XXXX XXXX XXXX directly, a copy of that payment is included in this complaint. THis payment was not a settlement, was nothing short of paid in full for early termination of services, home security services to be exact. I disputed the first letter I received from Diversified because they had the account labeled as a " wireless '' account from XXXX XXXX XXXX. My " wireless '' account from XXXX XXXX XXXX is my cellphones, which are direct debited monthly from my company XXXX card. When I spoke to XXXX XXXX XXXX about my wireless account, the representative verified that my " wireless '' account has never been late and always paid on time by the auto debit to my credit card. Diversified NEVER responded to my dispute, simply moved forward with " verifying '' the debt and posting it to my credit report. XXXX XXXX XXXX claimed they never sold a debt to Diversified for my " wireless '' account. XXXX XXXX XXXX verified payment over the phone for the paid in full early termination fees on the home security services. Diversified, and possibly XXXX XXXX XXXX, violated my FCRA and FDCPA rights and their laws in XXXX ways. First, there was no true or verifiable PROOF of Diversified Consultants " Verification of debt '' as requested by myself. After that violation, they moved forward with reporting to the CRA 's and damaging my credit. XXXX XXXX XXXX representatives were just as confused by the labeling of the account as " wireless ''. Not until I spoke to a manager, AFTER writing to Diversified about the mistake and the dispute, that a manager said the home security services are labeled " wireless ''. The manager apologized for the confusion, however, that confusion led to this mess. Again, XXXX XXXX XXXX 's irresponsibility and negligence have cost me time and money and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I had a loan from LoanMart for a vehicle while I was in the XXXX XXXX. I notified them that I was being called to XXXX XXXX and they took the car. They auctioned the car off. They got all of the balance except {$890.00}. Now they are after me today 7 years later for {$6400.00}. It is past the 7 years to report this per the Fair Credit Reporting Act, is way over the Statue of Limitations. They sent me an email saying the balance was {$890.00} so I would call and then said I owe them {$6400.00}. When I could n't pay that they threaten to put liens on any current vehicles I had, threatened to have me arrested, threatened to sue me and take garnish my wages. This was from XX/XX/2015 to XX/XX/2015 which I believe was almost 7 years ago. They violated the Soldiers and Sailors by repossessing the car after I notified them. 
None of the correspondence said they could n't sue me so they led me to believe that they easily could. I was ready to start paying them when a friend of mine told me that what they were doing may be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
My financial hardship began when my husband which I am now separated from abandoned me on XXXX XXXX, 2015. My soon to be ex-husband relinquished all rights to the property which we resided by quit claiming his interest over to me. My husband no longer supports or assist me in any way financially. I obtained the assistance of a housing counselor in order to help me submit a modification request to my Servicer Penny Mac in order to assist me with getting the loan modified to an affordable monthly payment along with getting the account current into my name only. I submitted the modification request with the assistance of my housing counselor XXXX XXXX, 2015. I was approved for trial modification on XXXX XXXX, 2015. I was approved for the Final Modification on XXXX XXXX, 2015 after I successfully completed the trial modification payments. But, the modification papers included me having my separated husband sign the modification documents. The modification request clearly states that I was applying for the modification to have my separated husband removed from the loan along with obtaining an affordable monthly payment which I could afford to pay with my income only. The servicer requested the quit claim deed to show proof that my husband had released his rights to the property. I provided the quit claim deed to the servicer on XXXX XXXX, 2015. Presently, the servicer underwriter removed my Final Modification Approval because my separated husband would n't sign the modification agreement. The Underwriter stated on my denial that I notified the servicer to state that I did n't accept the offer which is a lie. I completed my modification trial plan based upon the fact that the loan would be modified into my name only. He was never suppose to be on the modified loan. The modification was submitted in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
They have done several of the above including but not limited to : Continued attempts to collect debt I do not owe as debt was paid or debt is not mine. All my debts for any XXXX work were paid in full by myself and my insurance. The only XXXX I have used was over 4 years ago. This company put on my reports that I have a open account currently it opened XXXX 2016, it is a flat out lie and falsifying information or they have the wrong person. 

Disclosure verification of debt, I did not receive any letter with my right to dispute, they put it on my credit report and I had not idea of the allaged debt, I wrote them a letter and it was certified and they did not respond with enough information or what the debt is owed for or when it was allegedly late or not paid. 

False statements or representation : They are attempting to collect a wrong amount as all my XXXX bills have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I tried to move my personal residence to my revocable trust. However, USAA does not allow that. Yet, they do prepare trusts and from what I learned, if the trust uses USAA as the trustee ; then it is possible ; but otherwise, it is not permitted. This seems unfair. I 'd further note that their website even recommends moving property to a trust - again, apparently if they are hired as the trustee only. From below, I clicked on making payments some loan servicing is listed under that section.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
They kept calling me telling me to pay for this bill or ill go to court i paid the amount they gave me to pay so this needs to be over

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I 'm a first time home buyer looking at financial institutions for potential loans. I have accounts at various places to include USAA. I was looking at potentially applying for a home loan with USAA and they ran my credit without my approval. I ended up going with another bank. I approved the other bank to run my credit but not USAA. Just because I have accounts with one company does n't give them the right to run my credit, or does it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
On XXXX/XXXX/2014 I wrote to Diversified Consultants requesting proof of the debt that they alledged I owed but never received a response to the information that I requested and they are constantly verifying this information to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Finest Title Company
State: MI

Complaint narrative:
After closing on a home on XXXX XXXX 2015 I received a call stating that I owe the seller {$2500.00} because of a mistake made by the title company. I was confused why the title company wanted me to write a check to the seller after we already closed and monies were exchanged. The title company made the mistake which ended up being a {$5000.00} benefit to my side of the HUD. I am now being sued for the {$5000.00} plus interest and attorney fees. I was summoned the week of XXXX XXXX 2015 after returning home XXXX. I am recently divorced and have no money to afford a lawyer or pay the {$5000.00}. I feel the mistake was made and there were plenty of people involved to review the HUD before receiving a clear to close. I need help please. I 'm very worried.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: Diversified Consultants, Inc.
State: MS

Complaint narrative:
in XXXX 2014 XXXX sent me a bill for {$120.00}. i sent a check to then in that anount. that check was never posted to my account. 
since then i have recieved many duns from XXXX. i sent them proof of payment each time. they turned it over to at least XXXX differant collection companys. XXXX XXXX XXXX and dervified consultants inc ihave proof of payment in my hand signed by a bank offical

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have been trying since XXXX/XXXX/2015 to communicate with Capitol One regarding a payment plan to stop collection efforts and make regular payments towards the amount owed. Since then, they have continued collection efforts, as well as charged-off the account, and worst have put my boyfriend in the line of fire with his credit as well. He was to be only a USER on the account, and has NEVER agreed to be on the card as a co-borrower. No contract has ever been signed by him. Therefore, both my credit and his are currently being destroyed by this XXXX company. I have made many efforts to contact them ( see attached ), to when they only respond with a letter ( see attached ) that says to call them and that they can not respond in writing. I refuse to call until I know my rights and my boyfriends rights are being upheld by the company - and currently, they are not.

Company response to consumer: Closed with explanation