vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
In XXXX my husband lost his job as a XXXX. All of the work in our area came to a complete hualt. He did n't work for 2yrs in between that time we had a passing away of his mother which we ended up having to pay for the funeral. Our loan was originally with XXXX then was sold to XXXX XXXX XXXX. So for the past 4yrs we had retained attorneys to help save our home since we were not able to make the monthly mortgage payment since we only received XXXX income. My husband was not able to receive unemployment. So I did several hardships adjust my XXXX at work to retain attorneys to help us get a loan modification which at {$40000.00} later we never received even though our house was only coming in at {$230000.00} but we owe on the first {$400000.00} and on the second {$130000.00}. which XXXX XXXX XXXX would not take into consideration. So now in XXXX they gave us a loan modification with a payment of {$1800.00} per but never forgave any of the balance at all even though the value coming in at the time was only {$280000.00} to XXXX. What really blows my mind is how they can structure a deal with putting a ballon payment on our note of {$35000.00} and not even extending the term they kept it at the XXXX since that was the original loan. So now my husband due to all of the stress from the loan modification has had some medical issues that have to do with his XXXX. so we have been running one month behind and on top of that we still have a second that wants there money and we have no way of paying them. We ended up having to file a bk in XXXX and we have been married for XXXX and have never have any problems paying our bills in the past. What 's really bad is we paid all of that money to the attorneys and never received the loan modification that we should have received. More than once we received letters stating we were approved then two weeks later we are denied. Its been insane to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
I am disputing this bill from a collection agency. I mailed the collection agency this dispute 6 months ago but of course had no response. I was told this debt was bought from the doctors office so I could no longer dispute it. My daughter visited the ER XXXX XXXX 2011. The ER doctor who never touched my daughters XXXX XXXX just ordered a XXXX and XXXX consult. I paid ER doctors bill for visit and ER charges but he had a separate procedure code for resetting her XXXX XXXX. I refused to pay this because I paid the orthopedic doctors bill for the same procedure and like I said the XXXX XXXX never touched her arm. I disputed this in writing to the physician 's office but never heard back. This was a gross example of fraudulent billing. I was billed for a procedure that was never performed by the doctor.

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 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
I have had XXXX accounts at first merit bank for over 20 years. 10 years ago I started selling items for individuals and occasionally have small estate sales. My accounts have always been individual rather than business accounts. In XXXX the bank manager said the bank flagged my account for having too many checks deposited. She informed me they wanted me to change to a business account or to supply 2 years of tax returns to prove I was claiming income from the liquidation of personal property. I complied and gave XXXX ( the other manager ) 2 years of my tax returns which were supplied by my accountant. I had assumed since I had shown that, in fact, I had claimed all income the issue with the accounts was resolved. A few weeks later I received XXXX certified letters stating that all of my accounts were being closed. Quite stunned, I called first merit and spoke with XXXX ( downtown ) and she said they were closing my accounts. I asked why. She said they did not need to explain why because they could terminate a relationship with any of their clients at any time. I had explained that I supplied what they had requested from me, and still wanted to retain my accounts. She said she would submit a request to keep the accounts open & would check to see where my 2 years of tax records showed up. I called her back 3 days later and she said since I did not give them the tax records ( which in fact I did ) as XXXX another teller at the branch confirmed that I did, they were still closing the accounts. I was never given an honest or appropriate reason that the accounts were being closed. I had done what they asked me to do. I believe this is CLEARLY a case of DISCRIMINATION and would like to allow the First Merit bank to explain their actions before I escalate further action against their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: AR

Complaint narrative:
On XXXX XXXX, 2016, I received the attached letter in the mail from American Credit Acceptance, dated XXXX XXXX, 2016. The letter states that American Credit Acceptance received a credit application from XXXX XXXX XXXX on my behalf. 

This letter is some type of fraud or scam! I have n't submitted an application to XXXX XXXX XXXX this year. The letter also states that it ran my credit via XXXX. I checked my XXXX credit report, and Thankfully, as of today, there is no evidence that American Credit Acceptance accessed my XXXX credit report. 

Also, this letter states totally inaccurate information regarding the status of my credit. I have never done business with American Credit Acceptance. 

I want a copy of the credit application and the XXXX credit report that is referred in the attached letter. 

I have selected " Taking out the loan or lease '' as the closest appropriate option for this compliant. There is not an option that describes my complaint since this issue is in regards to a loan application that I did n't submit!! 
Thanks 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 non-monetary relief
Consumer complaint received 2015-04-28 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: United Accounts, Inc.
State: MN

Complaint narrative:
The collection agency never notified by mail or phone call that I owed them money. In addition, the only reason I found out about this was they filed a judgment on my XXXX credit report. I filed a dispute and XXXX removed it immediately. However, the collection agency turned around and place the judgment on my XXXX credit report the next day. This is not even my debt how is the collection able to file judgments on anybody? By the reporting this false information my credit score dropped by over XXXX points, and I have been turned down for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
My son, was staying with me temporarily after his XXXX. He was also in a XXXX doing very well, ( I thought ). A couple of times I let him use my debit card, I was ill, but I always changed the pin # afterwards. But this time he found my new pin # and card and used the ATM to access approx {$570.00} from different atms, in increments of {$60.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus overdraft charges. Some more overdrafts charges since I have typed this complaint. If i have not made a deposit by a certain date, I am charged a extended overdraft charge. I just keep getting in more and more debt. My record with firstmerit has always been good to excellent. I recently paid of {$3500.00}, owing 1stmerit {$20000.00} of this amt. I paid the off in 5 years, which I could have just filed bankrupcy, never late in payments. Firstmerit have made mistakes on my mortage payments. 
paying home insurance to XXXX different cos for a year. Could have used that money ( XXXX ) they did pay me back. I have all my bills automatic debited. I have been trying to call them all to not submit the payments now. As of now my acct is over {$1000.00} in deficit and keeps going up and up. 
Right now my son is no longer with me. He 's staying at homeless shelter. I try to remember hes has a sickness. I do know that I have a hard time remembering pin numbers and afer I received a new pin # I misplaced within 24 hours. The customer serv said I do not have to have pin # inorder to use the card. Thats what I intend to do, not use a pin #, much safer. Now, I cant say for sure that I misplaced Pin # or he found it. I have decided to not use a pin # at all. I know I do forget my pin # or misplace it. 
Thanks for your help. I dont get another chk until XXXX/XXXX/15. The overdrafts will take up all ( XXXX ) deposit. More overdrafts charges. 
I 'm retired on a fixed income. 
Thanks good bye

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Paul L. Marks, P.L.L.C
State: NJ

Complaint narrative:
First this law office led me to believe he can collect, he is not can not do this in New Jersey, I ask for the account to be validated I do not agree with the amount, I was willing to pay the assist agreed now in the letter he says he will still sue? this doctor was not the doctor that did the service, he was a back up which to discharge my wife and he was not in our plan. I did not know this I feel the real doctor should pay him due to the fact he was already paid for the service with my Ins.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I received a letter on my job in reference to an outstanding balance of {$1000.00} on account # XXXX. The letter reference the balance and advised its an attempt to collect debt. Further down in the letter it stated " If our client initiates a lawsuit and obtain a judgment against you, the may pursue their lawful recovery options, which may indicate any or all of the following based upon legal procedures allowed : Garnishment of wages ( states excluded : XXXX, XXXX, XXXX, XXXX ), liens placed on property including automobiles, real estate, or other real property, and seizure and auction of personal property. They were contacted on XXXX/XXXX/16 and was advised a payment would be made on XXXX/XXXX/16 which is a Saturday. I was contacted by phone on XXXX/XXXX/16 at XXXX from XXXX by a gentlemen asking me questions about why my daughter made the payment arrangements, why did n't I call and then stated my wages would be garnished and was trying to help me out. I was very uncomfortable with the call and the reason why this gentleman was asking questions by daughter and the threat issued. Unfortunately I was n't able to catch his name because the call really made me nervous and uncomfortable. I was advised he and the company violated the fdcpa laws by issuing a threat to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I took a XXXX XXXX dollar loan in XXXX XXXX and made XXXX Payment totally XXXX dollars I requested a payoff on XXXX XXXX good thru XXXX XXXX XXXX and was advised of a payoff total of XXXX the representative explained that only XXXX dollars was applied over the last XXXX payments. The interest rate on this loan is 25 % apr. I do n't understand how I paid XXXX dollars and only XXXX went to principal. I am paying this loan off on XXXX XXXX XXXX which is over 3 years before the loan maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX. I am XXXX years old. I have had a difficult life but I keep trying and pressing forward. I am writing to you about a descriptency with XXXX college XXXX. I had a past due balance that i am paying them monthly on. But they sold this to another creditor when I was unemployed over 3 years ago. Life is rough and I am unemployed again and still paying back XXXX college. I am now studying to take the XXXX exam and trying to obtain employment again. I have XXXX charges for XXXX college on my credit report. this is affecting my credit worthiness as i was trying to get a loan for some health reason. I am attaching my credit and showing you my worthiness is in tact. I was turned down by XXXX. I still have XXXX charges from XXXX college and the other creditor has n't removed same. Yet I am paying XXXX college in good faith. i do not want this to effect me going to the navy as they have to run background check or lawfirms i am seeking employment with. Please advise me on same. Laws are here to help people and same by the Federal Trade Commission that it is illegal to multiple post dings for the same thing on your credit report. The FTC is the controling agency for the Fair Credit Reporting Act..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have request for this company to validate the debt that they claim I owe and they have failed to provide me with any supporting documents. Again, this violates my rights as a consumer.The FCRA, is very clear with that any consumer upon request is entitled to full validation of debts they are accused of owing. I will be contacting the XXXX Office as well as the FTC at this point. This is a violation!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: GABA LAW CORPORATION
State: CA

Complaint narrative:
XXXX ( as XXXX ) is committing fraud on behalf of Gaba Law Corporation in their serving process. According to their clients, I was served In XXXX 2014 with a lawsuits from XXXX by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against in a that I was n't able to defend myself from. The fraudulent service in question was a substitute service given to a " XXXX XXXX '' who does not exist. 

The company 's name is listed on the documents, however they wo n't give me the person 's full name. Their client Gaba Law wo n't give me the person 's name and tells me to refer to the sheet, which is illegible. XXXX XXXX XXXX is acting fraudulently and should be found liable for violation of the FDCPA for falsifying information on legal documents in order to collect a judgement. Even the phone number that was listed on the legal documents was false.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CASHCALL, INC.
State: WA

Complaint narrative:
I have received several phone calls at work and on my cell from a woman named XXXX. XXXX said that she was from XXXX and that they received a complaint from Cash Call saying that I took out a loan or credit line on XX/XX/2010 for {$500.00}. She said that Cash Call had exhausted all avenues to get the money back that they claim I took ( ie. bills to me, collections, etc ). She referred to case # XXXX and said that if I did not reach settlement today that she would be forced to sign an affidavit and forward it to the courthouse in Oklahoma. She said that I am guilty of trying to defraud a financial institution. I never took a loan out with Cash Call or any other pay day loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Springleaf formerly AGF continues to report a debt on my credit report " Settled less than full ''. This debt is not mine. It may be a credit line opened by my wife. I believe she settled it in 2011. I did not co-sign or have any knowledge of the transaction. Springleaf reported it on my credit in an attempt to bully me into paying my wife 's debt. After it was settled by my wife they continued to report it on my credit. Over the last XXXX years I have paid all of my creditors and other than my mortgage I am debt free. My credit would be excellent except that this company keeps putting my wife 's debt on my credit report. I have spoken with them many times and they are unable to come up with any evidence that the debt is mine but they continue to report it. I have disputed it with XXXX and they come back " verified '' but wo n't cant produce any supporting documents or tell me how it was verified. My complaint is against Springleaf for deliberating putting incorrect information on my credit report and against XXXX for not properly investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received notification on XXXX/XXXX/XXXX that there was a posting by a collection agency to my credit reports I checked and found it was National Credit Systems Inc.of XXXX, XXXX that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau, I have requested directly to National Credit Systems on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX that they provide me proof that they sent a letter of notification informing me about this debt to XXXX XXXX, I also requested that they send me a validation of this debt with XXXX Apartments which all they ever provided was a copy of my lease with XXXX XXXX Apartments, I also requested that they send me proof that they are licensed to practice debt collection in the State XXXX pursuant to the XXXX Statues XXXX XXXX XXXX as required by the XXXX XXXX, I also requested that they send me proof that this account has not crossed the Statue of Limitations period XXXX XXXX which XXXX is 4 years from the date of the last payment date, which they failed to provide any of the preceding requests of proof. I would also like to point out that I checked with the XXXX and they do not have a corporation registered as National Credit Systems Inc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
One main XXXX, sc calls 3 to 4 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
This is supporting information just received to support my dispute of Springleaf Financial 's response to complaint Case # XXXX. 
Springleaf stated that they spoke to XXXX Mortgage about my loan and I was in foreclosure status ( which I was NOT ) : Please see paragraphs XXXX and XXXX on letter from XXXX XXXX that say their records do not indicate that I authorized any third parties to receive information for my loan ( paragraph XXXX ) and XXXX 's records do not indicate that they released any information to Springleaf before or after XXXX received payoff funds on XXXX XXXX, 2012. They ( XXXX ) goes on to state that the payoff funds were received in the form of a bank wire sent to XXXX by Springleaf " on my behalf '' ( Paragraph XXXX ) Also, the Payoff Letter cover letter ( from XXXX XXXX of XXXX ) shows that the payoff letter was faxed to my attention, but FAXED TO SPRINGLEAF 's FAX NUMBER. 
This supporting information should refute the statements made by Springleaf in their response to my complaint and show that my complaint is indeed valid.

Company response to consumer: Closed with explanation