vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aequitas Capital Opportunities Fund, LP
State: CO

Complaint narrative:
CarePayment allowed me to set up an auto bill via my credit card to pay monthly installments. They then shut the auto pay off without my authorization and charged me late payments. 

They had no authorization to shut off my auto pay. The nature of auto pay is that it is automatic, there should be no reason for me to do any " updates '' with them monthly to keep my auto pay turned on. This is just a way for them to charge unwarranted late fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently refinanced the loan on a property that I own as joint tenants with my wife. 
I did qualify for the loan and obtained it on my name. My name is the only name on the NOTE. 
My complaint is regarding the instructions that the Lender gave the the escrow company as to record a Deed of Trust that indicates that my wife is also the borrower on the loan. The text of the Deed of Trust now reads : " Borrower is AT ( my name ) and ST ( my wife ) husband and wife as joint tenants '' and it was recorded on XXXX XXXX, 2016. This is obviously a mistake and has to be corrected. 
I requested the lender and the escrow company to change it to refer only AT as the borrower, but they refused to do so. 
Also, they wrongly put my mailing address in XXXX when my address is in XXXX XXXX as stated in the loan application. They also refused to correct the mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have written XXXX times to XXXX the lastest letter being XXXX XXXX,2015 ( see attached copy ) asking them prove that this debt is mine. As I understand they should not reporting anything to the credit bureaus untl they sent proof that this debt is mine ... I have no recollection of not paying a medical. Not with stand FDCPA, they continue attempt to collect this debt by reporting on my report which naturally hurts credit profile as I am trying to buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: NC

Complaint narrative:
I have my mortgage with Central Mortgage Company and they charge a processing fee of {$5.00} every month when I pay online. I have XXXX other mortgages that do n't charge fees for this, and my mortgage was sold to Central Mortgage Company so I had no decision on which company would hold my mortgage. It seems a little rediculous to be charged {$5.00} a month for paying online when there is not a processing fee if I pay via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FAIR COLLECTIONS AND OUTSOURSING has placed erroneous and false information on my credit report. I do not know this company and have no knowledge of the company they are attempting to collect for. I have asked this company to remove this information, This company is preventing me from qualifiying for a mortgage. I have lost my earnest money and have been subjected to a higher interest rate with higher fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My bank reordered transactions in order to charge more overdraft fees from my checking account. They took the largest withdrawal first, in order to overdraw the account, then charged {$37.00} for each additional withdrawal, for a total of {$180.00} in overdraft fees. When I called to inquire about why they reordered the charges, they said " that was their policy. '' I believe this a predatory policy and First National Bank has previously settled a class-action lawsuit related to this.

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 monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE
State: FL

Complaint narrative:
The loss claim process at AIMLOAN is utterly disappointing. While all others in our neighborhood recently struck with a damaging hailstorm have all simply had their insurance claim checks endorsed by their mortgage companies within a day of receiving them and with no further strings attached, AIM finally sent the XXXX of XXXX checks, XXXX weeks after I submitted the XXXX forms of required paper work and they misspelled the roofing company so now I get to wait another week. They require all kinds of endorsements and inspections among XXXX separate disbursements. I have a damaged roof waiting for the AIM process. After finally receiving a correct claim check after XXXX weeks, shingle prices increased causing an additional {$310.00} out of pocket cost to us. I believe their loss claim process is too onerous with the threshold set too low ( {$10000.00} ) Our claim is for a total of {$18000.00} making this a very difficult process. I own & gt ; 50 % equity in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This matter started in XX/XX/XXXX to XX/XX/XXXX. First received a call from Portfolio Recovery stating they were trying to collect a debt from my ex-wife and because she has a problem writing and reading English I offered to help. I first told them I would remit a check in the amount of {$170.00} if I found that she owed the debt to XXXX XXXX. They advised that XXXX XXXX had sold them the debt. They pressed me to send the check that day but I told them that I needed to check to see if she owed the debt first. After checking with her found that she had continued to pay the amount in question directly to XXXX XXXX and the next time they called I explained the above to them. They said they had no knowledge of her payments. I then asked them to provide written evidence of this debt and hung up and found out a week later she had not received any information from them. They called again and I reminded them they had not sent any information evidencing the debt, also reminded them she had made payments directly to XXXX XXXX and they became insistent we should pay without having the evidence. I eventually hung up on them and that is when the barrage of calls started. I have received at least 15 calls from them on an every other day frequency. Each time the individual on the phone denied they had called and when I ask for them to check their records they refused and continued demanding the payment and also requesting how they could contact her directly. I refused and at least 10 times now I have demanded they stop this barrage of phone calls even telling them that my phone was on the do not call list but as recent as XX/XX/XXXX at XXXX they are still calling. Please have them cease and desist with their phone calls making demands for payment of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I received and email alert from XXXX XXXX, stating there were changes in my credit report, when I checked there is a collection from Midwest Recovery Systems for XXXX XXXX for {$630.00}. I do not have any knowledge of this debt nor have I received any communication by phone nor written from these people letting me know anything nor validation of debt. I demand this item to be removed from my credit report since they violated the FCRP by not notifying me of this debt nor proof of validation, and completely be removed. I have also filed a dispute with the credit report company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
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! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was a court order payment of {$260.00} to be split between my ex husband and me. I have maintained a regular payment of XXXX to the mortgage lender, chase bank. However, my ex has not fulfilled his part of the payment but chase continues to report it as a negative or delinquent account on my part. This is taking an XXXX on me as a single mom with XXXX boys. I ' like the negative reports be removed and the previous negatives corrected as a true reflection. I 'm afraid this will affect my ability to secureany future loans on some reasonable terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
The company Called rise. They sent me a pre-approved letter for a personal loan of {$1000.00}. I get these letters all the time. But this time I got one when I really needed the loan and thought I would accept it. Because it would get me caught up on my bills this month. So I went to the web-site created the account. And applied how ever their web site changed my addressed state to Utah. And would n't let me change it. In the end the turned me down because of the Utah state that their website would n't let me change. They ran my credit. Yet again. The back of the letter says " pre-selected means we have reviewed your credit history and have selected you to guarantee an offer not to exceed the amount indicated on your letter. '' My letter they are offering me {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC
State: NY

Complaint narrative:
I started to receive correspondence from National Recovery Agency for medical bills my ex-wife had acquired, I contacted National Recovery Agency to the matter, they claimed it was my responsibility, I gave the bills to my ex-wife and told her to take care of the matter, After that I never heard from National Recovery Agency again, on XXXX XXXX, 2015 I ordered my credit report and their were XXXX open collections from National Recovery Agency, again these are not my bills, thank you for any help in this matter

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 2016-10-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: GA

Complaint narrative:
I received a loan of {$3500.00} from Rise Credit 3 months ago during which time the company never advertised the loan as a payday loan. I had an installment agreement and the payments were scheduled to be automatically deducted from my bank account at the end of each month. I began to review my balance on my account after payments and noticed my balance actually increased by the end of each week. I recently contacted a representative at Rise Credit and was informed the " loan '' accrues interest on a daily basis and that a majority of my monthly payments was actually being used to pay accrued interest. In other words, my balance will decrease at a very slow rate over a very long time period. I informed the representative none of this was ever stated to me when I applied for and was approved for the " loan ''. His response was " well this is how a payday loan works ''. I informed him I would have never accepted a loan with a daily accrual of interest. Is this loan legal in the State of Georgia? I am trying to figure out a way I can legally address this loan which is undoubtedly under what is best described as a shark tactic lending process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Debt was paid - satisfaction of jmt filed XX/XX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Rhode Island Student Loan Authority
State: VA

Complaint narrative:
RISLA ( Rhode Island Student Loan Authority ) provided a {$6000.00} loan which is now a {$29000.00} loan and the reporting to the credit bureau is inaccurate and does not reflect payments that are being made. I am a co-signer on the loan and can not get a mortgage loan due to the inaccurate information. For six months I have asked the lender to correct the information because the borrower is making on-time payments since 2014 ; however, the lender refuses to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: CA

Complaint narrative:
My XXXX year old mother was solicited by a predatory lender, RISE for a personal loan. She agreed to a {$1300.00} loan but was told the California law stated the minimum loan amount was {$2600.00}. Her interest rate is 125 %, how is this legal? She is on a fixed income and RISE has set up an auto pay with her checking account with a monthly payment of {$470.00}. No income documentation was required from RISE to determine her ability to repay the loan. How is this legal? This is elder abuse! Please shut this company down

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC
State: MS

Complaint narrative:
I saw a commercial on XXXX XXXX for a VA Home Loan. The commercial was very compelling. They explained that if I was a Veteran and had an XXXX they would help me use my VA entitlement for a mortgage. I get on the phone and go through a lengthy process of applying for the loan and was denied. Even though I have served honorably, have a VA entitlement, and a good income they still turned me away. I feel that their advertisements were unfair and deceptive. I 've been harmed because my credit report was negatively impacted by them pulling the report and I still was n't given a home loan. Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
My cell phone listed this number as the caller. A lady by the name of XXXX XXXX state that there were documents under my name ( she used my full legal maiden name ) and social brought to her attention that I am probably not aware of. She said it is very urgent I call her back by XXXX eastern. She told me to call her back at XXXX and use a reference number that included XXXX digits. This is n't the number she called me from. I looked the XXXX up and this seems to be a common message associated with this number. The woman never stated what company or office she was calling from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
I have been monitoring my credit since a XXXX XXXX incident last year. All of a sudden a {$0.00} amount shows up:XXXX 
XXXX {$0.00} XXXX. XXXX, XXXX current debts have been addressed. This may be an attempt to collect a debt that is past the 7 years statute of limitation in Georgia. I deny having any outstanding debt to this company. I have had no communications with them. I challenge the company to provide proof / original documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
This company called XXXX and stated that I owed {$830.00} on a loan from Mariner Finance. XXXX XXXX was rude and disrespectful and stated they were going to sue me and garnish my wages. I was told previously by Mariner that the account was paid off. I called Mariner back and they stated the dealership paid off my entire account except {$91.00} dollars. I called back XXXX and the guy would n't listen to what I said. Spoke nasty to me and called me an ignorant XXXX

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 2016-12-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XXXX calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XX/XX/2016 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.

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 2016-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am doing the best that I can to pay off this rather small balance to a collection company. Their notes are usually very business liek until the one I received yesterday. Below is a brief section from the note that True Accord in XXXX XXXX sent to me on XXXX/XXXX/16 : " Enough delay. It 's time to pay what you owe. 

Let 's be clear : you have an obligation of {$350.00}. We 've given you many chances to work with us. 

But instead, you 've waited a long time to deal with this. Now, it 's time to fulfill your responsibilities like the adult that you are. '' This note is offensive. I admit the debt but I did not sign up for insults about my maturity or adulthood. This debt has nothing to do with either one. 

Thank you. 
XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation