vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
I received a letter from ARS. They were notified that the debt does not belong to me. I requested validation within 30 days, which I received 3 months later a statement for an address I have n't lived for at least 7 years. I asked for proof of whom and when the fraudulent account was opened and never received that. My mother faxed over documents to them and they sent a letter for me to my mothers job. I want them to STOP sending collection noticies to my mother 's job ... ( XXXX XXXX XXXX XXXX ). I gave them my PO Box address to send any communication ( XXXX XXXX, XXXX, NY XXXX ). I want to receive proof of whomever and when this account was opened and I want to stop the harassment collection actions and also to have them remove the fraudulent information off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I want to start building credit and tried checking my info on credit karma, ive put my name down with every address i lived on and it tells me the info i put is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
Merchants Adjustment Service, doing business for XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.

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 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Performant Financial Corporation
State: GA

Complaint narrative:
Debt is being collected through garnishment. The debt collector continues to call wanting me to pay them directly instead of through garnishment. Debt collector calls once or twice everyday and ask that I pay them instead of allowing garnishment out of my XXXX check.

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 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: iFreedom Direct Corporation
State: IL

Complaint narrative:
ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS. 

I was applying for an FHA loan through Veterans First Mortgage with Lon Officer XXXX XXXX MLS # XXXX being my point of contact. I started this process in early XXXX and was approved for my loan of {$64000.00}. The original reason for me buying this property was because my wife and I were separating. On XX/XX/XXXX16 the house that my wife and I were sharing burned down. It was a total loss and her and I and our children are now living in a hotel. I have provided all of the documents that have been requested and then yesterday XX/XX/XXXX16 XXXX XXXX contacted me via email saying that they needed my separation documents for underwriting. I informed them that there were no separation documents because nothing had been filed. I was then further pressed to have a lawyer draw something up. I informed them that this would not be done. They then said that I would either provide them with something or they would not approve the loan. I informed them that my wife and I are staying in the hotel together and once I buy the house that the mortgage is for my wife, kids and I will be living in the house. The underwriter wrote an email to XXXX XXXX ( XXXX XXXX read it to me over the phone ) stating that he found the timing or my wife and my reconciliation odd. I informed XXXX XXXX at that time that the timing of my wife and I getting back together is of no concern and not odd due to the fact that my initial letter of intent for the mortgage stating our separation was nearly 6 weeks old and no agreement was requested until a day ago. I have already paid {$500.00} in earnest money, {$350.00} for an inspection and {$500.00} for an appraisal. Now the underwriters are refusing to approve the loan because they are demanding a document that does not exist and is irrelevant. Furthermore, they are stepping outside of their bounds by questioning my intent for purchase now as compared to then. Just to recap since the loan process has begun I was initially separating from my wife, on XX/XX/XXXX16 the house my wife an I shared burned down and was a total loss, we moved together into a hotel where we have been for over a month, and her and I are planning to live together at the home I am attempting to purchase with this mortgage loan. Now the underwriters are refusing to approve the loan after weeks of waiting and {$1300.00} dollars of my money spent based upon my marital status. It should be noted that XX/XX/XXXX16 was supposed to be the original closing date and that the appraisal was late to push it back but the underwriters asked for nothing of the sort until the original day of closing. 

ALL OF MY DOCUMENTATION IS IN THE FORM OF AN EMAIL. I DO N'T KNOW HOW TO ATTACH THEM BUT COULD FORWARD THEM IF PROVIDED AN EMAIL ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
I have been with Fay Servicing since they took over servicing of my loan late last year. I scheduled a mediation as per my rights, and met with their Attorney. I did not have an attorney present. The mediation was a scam. They stated " will give you 90 days '' and under duress I signed the documents. I asked during the mediation that if I had a well paying job would I be able to submit for a review and modification, they said yes. I found a job XX/XX/XXXX and submitted all required documents. I was in constant contact with my servicing representative. I have been trying for years through XXXX to get a mod. Each time we 'd get close I was laid off. Then I started over. My representative is now trying to push a short sale - or deed in lieu, even though I have a job and submitted all documents. The foreclosure is running in parallel and I feel the stress of running out of time. Why are they not following the comprehensive loan modification program as I meet the Eligibility? I bought in 2004, paid {$420000.00} for XXXX bath XXXX car garage modest house. I put down $ XXXX. and paid off the XXXX in the amount of $ XXXX. It is now work {$250000.00} max. They are still charging 6.8375, they are still charging the old taxation rates. Why ca n't they write down my loan? I did n't walk away, I stayed when all my neighbors disappeared dumping their properties. I do n't want to get foreclosed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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: Van Ru Credit Corporation
State: IL

Complaint narrative:
I was contacted by Van Ru Credit Corporation 5 times in one day. They would hang up each time I would answer after my answering machine would pick up. When I finally spoke to them, they told me to press my suit that I have a court date coming up. That if I do not pay my bill they will take my home, and my children will be homeless. 

When I called and asked to speak to the President or owner I was told XXXX XXXX does not speak to losers. That he was on his yacht on vacation.

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 2016-02-08 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission, I spoke first to XXXX and with XXXX or 2 mins of the call interrupted me and told me pretty much she did not want to listen to my story and to tell her why I was calling, I told her about the ACH check and she said they are not responsible for them and hung up on me. I called back and spoke to XXXX who claimed he was a supervisor and I expressed to him the issues that I am having with ACH ran on my account several times and mind you they have already been paid. He started making fun of me because I accidentally said I did collections for 30 years in reality XXXX and said so you started doing collections at XXXX and laughed at me and embarrassed me to others. He refused to give me any information or their fax number to send them the proof of my checks that I now have {$320.00}. negative balance because they ran it so much. XXXX also hung up on me. I called back and spoke to another lady who I do not remember her name who claimed she was a supervisor and was actually a pleasure to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have some grave concerns based on my history of dealing with Webster Bank of XXXX, CT. Starting in XXXX XXXX, due to a XXXX, I became XXXX. As of XXXX XXXX, I began having difficulty meeting my current mortgage obligations. During the period from XXXX thru XXXX I was attempting to modify my mortgage under the federal program Making Homes Affordable under the Hamp guidelines. After multiple trial period payments, the mortgage was finally modified as of XXXX XXXX, XXXX. Within this past week, I contacted Webster Bank and questioned two recent issues of concern. ( 1 ) Negative escrow balance ( which will be discussed with you in greater detail ; and ( 2 ) their failure to comply with " pay for success incentive '' for making timely payments. I have found no evidence in any of their account transaction history, regarding this incentive. According to documents of modification, it states, that annually a deposit will be made toward the principal balance after the anniversary date of my trial period plan, ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for an amount up to {$1000.00} each year ), despite the fact that I have remained current with modification payments,. 
Within this past week, I contacted Webster Bank and questioned both the negative escrow balance and also the missing " pay for success '' incentive payments. I was placed on hold for 45 min. at which point, I terminated the call. I have yet to get a response from Webster, despite Webster having my current contact information. I still have no answer to these questions. 
My experience with Webster Bank has taught me that they are unreliable, unaccountable, and not particularly helpful to me since this process began in XXXX XXXX. Therefore, I am requesting your assistance at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated
State: AZ

Complaint narrative:
My credit report shows an account that Unifund LLC is reporting as a collection. I have contacted Unifund, have spoken with XXXX XXXX times. She told me they assigned an attorney to collect the debt. I initiated the call to Unifund and their attorney. Neither party can locate my " account ''. XXXX is treating me as an annoyance and this issue is causing me to delay buying a home. I called them to resolve this and I can not as they refuse or have nothing regarding this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
This is additional information not a duplicate. My servicer has me documented as having a second mortgage on the papers he submitted to CFPB in response to my complaint. However, I have " NO '' second mortgage and " that '' is the money that is being disputed. If you look at the documents that I have already submitted you will see that my servicer has that same money documented as " deferred fees ''. However, I did n't notice this until after my response had already been submitted. My case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen sent an escrow analysis stating we needed to pay {$410.00} for a shortage ( even though by their own paperwork we had a {$0.00} shortage on our mortgage this past year ) I mailed the check, it was received and documented by the post office, cashed with in the time limit set by the company, even so our mortgage payment was increased to the level as if we did n't pap the shortage. When I called to find out why it was increased - I was told I needed to call again after the payment was made to request a new escrow analysis. Why? you did XXXX told me I was short and I paid it. I want the overpayment refunded to me and the monthly amount corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LoanStar Home Lending
State: CA

Complaint narrative:
the lender raised the interest few days before closing the deal of buying a house at this point I had no choice but to accept otherwise I will lose the house. 
few months before I was approved for 4 % from other lenders before. upon finding the right house I signed a contract with the suggested lender from my agent XXXX to make the deal as fast as we can ) with interest no more than 4.25 % and he promised to try to get it around 4 % and they gave us an approval letter after I gave him all necessary documents. 
and few days before closing the lender amend the contract upon his request to change the interest to 4.625 % and I had to accept in order not to loose the house. 
more over the lender sold the loan to another company ( XXXX ) within 1 month only ( it looks increasing the rate makes it very easy to sell the loan to other company with good profit ) I asked to get copy of the original contract but the lender did not responseI will submit attached the amendment to change the rate from 4.25 % to 4.625 % on page XXXX from the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Please realize that this is NOT a duplicate request. My loan servicing agent is NOT adhering to my HAMP modification. 

In XXXX, entered into a HAMP modification with XXXX Mortgage. Part of the modification includes a Borrower Incentive of {$1000.00} to be credited towards my principal balance annually as long as the mortgage never becomes 90-days delinquent. ( My mortgage payments have never been marked as later since entering into the modification. ) My loan servicing agent has changed from XXXX Mortgage to XXXX and finally to Fay Servicing. This borrower incentive has always been credited to my account on XXXX XXXX in XXXX, XXXX and XXXX when with XXXX and XXXX XXXX. My loan was transferred to Fay Servicing in early XXXX and I have not received that borrower incentive as of yet. I was originally told that it was due to an issue with the transfer to Fay Servicing and the Fed but that it had been corrected in early XXXX. They have credited my account {$830.00}, not the contractually required {$1000.00}. I have tried to communicate with my account manager XXXX XXXX at Fay Servicing in writing via email but have not received any communication back. 

I am requesting assistance in getting the remainder of the contractually obligated borrower incentive credited to my account and backdated to XXXX/XXXX/XXXX so that I am not accruing interest on that principal. 

Today, we are 149 days past the date this credit was due. As a homeowner, if I was & gt ; 120 days late, Fay Servicing may have already started foreclosure proceedings. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Ashton & Weinberg, Inc.
State: AZ

Complaint narrative:
The collection agency has contacted my place of employment several times pretending to represent a law firm. Due to the perceived urgency of the call, the front desk secretary transferred the calls and gave the agency my direct extension. I have verbally asked them not to contact me at my place of employment 3 times, however, they continue to call. I also sent a letter requesting the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called Sallie Mae, and XXXX, and Sallie Mae, and XXXX again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoken to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though Sallie Mae and XXXX have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: IL

Complaint narrative:
I recently payed off XXXX my loans with Sallie Mae. I went online to access my account. I selected the loan I wanted to pay off and payed the loan off completely. I received a receipt as well as information showing my account was at a XXXX balance. A few days later my account shows that I have an outstanding balance. Upon calling in I was asked whether or not I payed off my account online or over the phone. The agent informed me that Sallie Mae has no way of displaying the full payoff amount for my loan unless I call in. When I asked her why online would display something different than the actual payoff amount she stated that the system does not allow them to show the payoff amount because that I accrue interest daily for my loans. It does n't make sense for me to pay daily for interest when I have a set interest rate that I am suppose to be paying monthly for interest. This was something I was not aware of. When I asked her how much interest daily am I being charged on my loans her answer was anywhere from {$1.00} to {$2.00} a day on top of the amount owed. How is anyone ever suppose to pay off their loans accruing interest to that magnitude. Whenever I have payed a balance off with any financial institution the amount on the statement was the payoff amount. As long as this amount was paid by the due date no other money was owed. This is not fair and is ripping individuals like myself off. That means even when I pay the statement off I will always be charged for interest for however many days has passed. There is not a day where I am not accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: KY

Complaint narrative:
I have an auto loan through consumer portfolio services. In XXXX XXXX, my husband lost his job and we are no longer able to afford this loan. CPS offered to defer some auto loan payments and I declined. I advised a voluntary surrender was best for my situation. I received a notice in the mail yesterday, CPS processed a due date change moving my payment out 30 days and extending the loan even after I advised I ddi not want this to happen. It appears in XXXX CPS was fined for unilaterally modifying contracts and other illegal business practices resulting in them paying the FTC XXXX XXXX in fines and penalties. I believe the practice I described above is continued unilateral modification of contracts without my consent. On XXXX/XXXX/XXXX, I called CPS and spoke directly with a man named XXXX XXXX at XXXX ext XXXX or direct number of XXXX who advised he would forward my file for voluntary surrender. I have attempted to contact this company regarding the " due date change '' they claim they processed on this loan to no avail.

Company response to consumer: Closed with explanation