vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: PA

Complaint narrative:
Years ago, I think XXXX, I saw on a credit report that and old credit card debt from XXXX was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX that there was a Judgment Lien on my credit report. NCO Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to NCO who then tried to collect on an expired debt. I looked up NCO on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by NCO. Now I found out NCO sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 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: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
In XXXX, XXXX, I received a Earnings Garnishment from the XXXX Law Office. It was referring to a defaulted loan I supposedly had owed. I did not receive a Judgment from this law firm. I did however receive a Judgment for money from a law firm in XXXX, Wi. on XXXX. The amount was {$18000.00}. I sent a Validation of Debt letter to XXXX Law Office, certified mail receipt, on XXXX/XXXX/XXXX. I received the receipt from them on XXXX/XXXX/XXXX. As of this day XXXX Law Offices is not following federal law and has ignored my right to validation. I have not received anything. On XXXX XXXX, XXXX, I receive a copy of Notice of Retainer and Surplus Proceeds signed by XXXX XXXX XXXX, XXXX. in XXXX, wi. This is to XXXX XXXX Bank regarding a foreclosure I was under when the banks were committing mortgage fraud. My house was foreclosed in which I received compensation under the fraud lawsuit. From the paper work, Associated Bank filed the retainer against XXXX XXXX for money when the foreclosed house sold. Proving that the Associated Bank Loan was taken out with the home mortgaged through XXXX XXXX using the equity as collateral to secure the loan. I personally know the house was sold, I do not have any proof that Associated Bank had received any of these funds through XXXX XXXX. I am being refused any and all information in which I have a legal right to know. XXXX Law Office states they were hired by Associated Bank to collect. I believe this is a false representation of who owns this debt. They are currently garnishing my wages without providing proof or even a Money Judgment from them from the court. I am not aware of the technicalities of a fraudulent mortgage loan on a house that was used for a equity loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead of XXXX XXXX. The servicer of the loan is PHH Mortgage Services. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set for XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain Silver State Financial involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 ) Explain XXXX involvement14 ) Explain XXXX XXXX XXXX XXXX ) Explain Mortgage Electronic Registration System involvement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
In a permanent XXXX lien HAMP modification thru Making home Affordable program. Servicer ( PHH Mortgage ) is refused to offer a 2MP modification on the XXXX lien, even after I requested it be done, per Making Home Affordable Directives. Now XXXX lien note ( HELOC ) is in repayment period with a substantial increase at 2.7 times my previous monthly payments. PHH Mortgage services XXXX and XXXX liens and will not answer critical questions submitted in the Qualified Written Request. I have submitted a completed submission package as directed by the Relationship Manager, whereas ; I specifically indicated on all correspondence to PHH, the intent of all submissions are for 2MP implementation. PHH tells me XXXX XXXX owns my XXXX note, but I have proof that it does not own my XXXX note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Collection Service Center, Inc.
State: OH

Complaint narrative:
I received an automated call that was a looped recording from a blocked number. It did not identify the company calling, the reason for the call, or have any way to speak to a human being. It kept insisting the matter was important and that I call another number ( XXXX ). I tried the number several times before finally getting a human being, who still did not identify the company or the reason for the call. After attempts by this person to get personal information that I refused and back and forth arguments they finally identified themselves as C.S.C. ( Collection Service Center ) and that they were collecting a debt. They refused to inform me of the original creditor or the nature of the debt unless I provided personal information ( which I refused ). As I have no legitimate, outstanding debts at this time that are allowed to be collected upon this call strikes me as a phishing scam. Several aspects of this exchange are in violation of numerous sections of the Fair Debt Collection Act as well as the Telecommunications Consumer Protection Act. The only outstanding, unpaid debt I should still have has been disputed for more than 15 years now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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: Douglass & Associates Co. LPA
State: TN

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from Douglas and Associates saying that I owed {$9400.00} for Demolition of a property in XXXX XXXX that was transferred to me on XXXX/XXXX/XXXX without my knowledge or agreement. The documentation that I received as " proof '' was a " Limited Warranty Deed '' from Grow Rich Properties who according to the XXXX county did not own the property on that date. The property was transferred from XXXX XXXX to XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX then transferred the property to me on the same date using the document dated XXXX XXXX, XXXX according to Douglas. The XXXX deed states that XXXX XXXX " is seized and possessed of the said land and has a right to convey it '' etc. Another county record says that the property was granted to me by XXXX XXXX XXXX the records do n't even match. 

I did attempt to purchase this property from XXXX XXXX XXXX XXXX starting XX/XX/XXXX and paid them {$20000.00} for the " class '' that " entitled '' me to a property, {$3500.00} for their cost and {$20000.00} for a property. I signed many contracts that Grow XXXX drew up and tried to contact them multiple times as well as the property management company they said I had to use, XXXX XXXX who sent me a Transaction Review sheet in XX/XX/XXXX stating they had my funds to transfer and would send my deed. 

In XXXX of XXXX, I made XXXX last attempt to recover at least a portion of my money by submitting a claim to the XXXX Department of Insurance for an errors and omission claim against XXXX. I sent the response letter to Douglas Associates stating that XXXX did not collect the money or conduct a closing so the department lacked proper jurisdiction. They sent a copy on to the Utah Attorney General and suggested I pursue civil litigation. I did not have the money to do so. After 3 years of trying everything that i could think of, I contacted my bank, presented them with all the documentation and history and received a portion of my money back. I had no more information on this property until I received the letter of debt from Douglas Assoc a few weeks ago. 

I never had a contract with XXXX XXXX, the contracts that I did siged with XXXX were never completed and returned to me. My copies say that I would receive a property that I agreed to take by XXXX XXXX. XXXX. XXXX XXXX is the person who received the condemnation letter XX/XX/XXXX and he was given 30 days to complete them by the City of XXXX. 

I received no notice of the transfer, the " judgement hearing, or demolition bill until last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
I was sent a bill for charges remaining after moving out of my apartment. I did not agree with the charges, so I sent the original creditor ( XXXX XXXX XXXX ) a certified letter requesting verification of the charges. They received the letter, but never responded. Instead, they transferred the alleged charges to Professional Debt Mediation , Inc. ( PDM ) in XXXX, FL. PDM contacted me and I immediately responded with a certified letter requesting the same debt verification that I asked of the original creditor. We corresponded on a few occasions ( all certified ) but the specific information that I requested to prove the charges was never provided. I was able to do some research on my own to verify that all of the charges were not valid, which is why I insisted they provide further verification. My last correspondence with PDM was on XXXX/XXXX/16 in which I requested information and enclosed a money order for the only amount that I could verify was due ( which was later returned to me by PDM ). I did not receive any further communication from PDM regarding collection activity on this account and no one from PDM made any further attempts to verify this account. On XXXX/XXXX/16 I received an alert that the full charges were added to my credit report as unpaid. I am filing this complaint ( against both XXXX XXXX and PDM ) because I did not receive verification of this debt. I know for a fact that all of the charges are not valid and as a consumer I have the right to dispute charges and they should be appropriately investigated and confirmed before taking collection actions that adversely affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
UMB Bank sent us an offer by mail of a {$75.00} gift card if we took a draw of at least {$7500.00} against our UltraEquity Line of Credit ( HELOC ) loan. After we did this within the terms of the offer, it has refused to honor the offer of the {$75.00} gift card. Each time that I have called about this matter, I receive a different excuse and no follow up. For example, when I called XX/XX/XXXX, I was told that it would be sent out XX/XX/XXXX. On XX/XX/XXXX, I was told that I received incorrect information and that I would be called back that day as to when I would receive it. However, there was no call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
On Friday XXXX XXXX Credit Acceptace Corp called and left XXXX messages and then called again and talked to me live. Payment came due on XXXX XXXX and is not even late fee until XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Dealership fraudulently used my personal information to obtain an automobile loan. Vehicle failed Maryland safety inspection and repossessed against previous owner ( " XXXX XXXX XXXX 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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid off a balance in XXXX, but because I had n't paid off the previous month 's balance I was charged {$13.00} in interest. I would have paid that - if I 'd known about it, but I never got a bill. I did n't get a bill in XXXX either, when they had XXXX the interest and slapped on a fee. I did n't know about the ever increasing fee until I got a call yesterday about my late payment and went online to see it was up to over {$50.00}. I was shocked. I called the call center and I tried to explain that I never got a bill. She tried to say they were sent electronically - nope, I signed up yesterday when I logged in. Then she said that they were mailed and asked if I moved. Nope - not that either. She did n't bother to validate my address just said it must be a post office issue. She knocked all but {$15.00} off but I explainted that I thought for sure this happend to me once before with them, so there is a pattern. I get all of my other bills, not sure why theirs are a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is continuation of my Case number : XXXX on XX/XX/XXXX I specifically was told my citi bank customer service account manager XXXX that my account had been closed. She also added to reopen the account my credit needed to be pulled again. I refused, and said no, I do not think that should happen as I did everything as a customer to resolve the issue 's and I have another credit card active with you so you do n't need to do that. She then recommended I write to the president to request my account be opened without pulling my credit. 

Today XX/XX/XXXX I spoke to XXXX, and she let me know my account was reopened and the bank did pull my credit. I was surprised to hear this, as I specifically told the agent the day before since the bank decided to close my account without notifying me, I did n't want to reopen it if they were to pull my credit and I will handle on my own and write to the president. It did n't matter, Citi bank then opened my citi card account and did n't care and still pulled my credit. 

CFPB, Is that the right way to handle customers? I have banked with them 4 year 's and have XXXX credit cards with them and pay on time. The returned payment was the reason they closed my account but it was ( XXXX ) transactions only because the checking account was no longer active, and I accidentally selected it in error but called immediately to resolve this and offset the negative balance by processing payment 's over the phone. 

I now have XXXX $ in returned fee 's and I requested those to be waived also due to this whole mess or opening and closing my account 's when they feel like it. Please help me, I feel helpless, and I have built my credit responsibility, and my score is now XXXX, I would not deserve the score to be affecte due to citi bank 's error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I received a phone call from XXXX XXXX indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We received a " virtual '' prepaid Citi Visa card containing {$250.00} XX/XX/XXXX. When we tried to use it XX/XX/XXXX we found that it expired XX/XX/XXXX. I subsequently learned that the federal CARD act requires prepaid Visa cards to not expire in less than 5 years. I contacted Citi, but they refuse to extend the expiration date. I have uploaded a file containing an email I sent to Citi requesting the extension, and their reply in which they claim their card is exempt from the legislation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have been with Best Buy credit card for a couple years now. I have recently notice that on the last statement I have a charge from XXXX XXXX. I was going to dispute the charge on the best buy credit card site but the option was not availible. I went back each statement and noticed I 've been charge a fee every month. I 'm starting to wondering if this has the the case since I 've had the credit card. This really makes me want to pay off my card and never do business with Best Buy again. I have never signed up for this service nor would I ever want this. I will only stick to my local credit card provided by my credit union. 

The fee is on my statementsXXXX of 2014

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I left my home because of a job transfer in XXXX. I attempted to sale my home ( Loan # XXXX ) in XXXX but CitiMortgage took so long to approved it, the buyer pulled out. During that time the housing market started to deteriorated and I found myself upside down on my loan. I could not afford to pay for XXXX homes and I defaulted on my loan with CitiMortgage. I attempted a deed in lieu of foreclosure, but CitiMortgage denied it, alleging the title was not clear due to an erroneous entry for the satisfaction of a second mortgage by the previous owner. CitiMortgage have continued to charge fees on this loan for the past 7 1/2 years to the point the fees owed are more than the actual mortgage balance. I was notified twice by CitiMortgage the property would be foreclose on, but never did. Today, XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and I requested another deed in lieu of foreclosure, but she told me because is an active foreclosure, no date set for auction, they could not do it. She said I could try a short sale. CitiMortgage never offer me any other help or recommended any solutions this situation. 
CitiMortgage continues to force me to carry this bad debt and I have not been able to purchase another home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Macy 's has changed their online system and as a result I have been unable to access my balance, account information, statements or make a payment online for months. I do not receive a paper statement and have had difficulty getting account and transaction information from telephone. I went into the store received a receipt print out of my balance on XXXX/XXXX/15. I received a slip showing a balance of {$220.00}. I paid that balance in full and made a purchase for {$120.00}. I called XXXX as instructed by the error message when I tried to get my online information, they were unable to assist me in getting online and the telephone rep was confused about my balance. He was unable to give me a balance that makes sense according to the store balance printed on the receipt and the payment I made. I have spent over XXXX minutes on the phone trying to get assistance without resolution and am not sure how I can resolve this at this point. It seems extremely unfair to not provide accurate account transaction and balance information and access to make payments.I typically pay in full and without the ability to know balance information I could have interest charges I would normally not have. They will not give discounts unless you use your card but wo n't provide account and balance information accurately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation