vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Creditors Specialty Service Inc
State: CA

Complaint narrative:
I was sent to XXXX for an XXXX on XXXX/XXXX/XXXX, by representing counsel, after being involved in an auto accident on XXXX/XXXX/XXXX, and was informed by the attorney that if I did not win the case, I would not have pay anything. I received one statement for an overdue account from XXXX in the amount of {$3000.00} in XXXX XXXX. I contacted them to inquire why I was receiving this bill, and provided them with the termination letter from the Law Office, indicating that no money was received from the law suit, per their request. In XXXX XXXX, I received a letter from Creditors Specialty Service , Inc., requesting the amount of {$5200.00}. XXXX XXXX ( CSS ) also contacted me at my job, demanding payment and a call back immediately, threatening to garnish wages and to put a lien on our property. I contacted XXXX XXXX ( CSS ) on XXXX/XXXX/XXXX and requested that she stop calling me at my place of employment. On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) and informed her that I was never given the opportunity to pay this debt, to make payment arrangements, or to utilize my personal medical coverage to resolve this issue, and informed her of the amount that CSS was attempting to collect. XXXX called me back within the hour on XXXX/XXXX/XXXX, and stated that after talking to her supervisor, they felt that CSS was attempting to collect too much for the debt, and she and her supervisor XXXX would be contacting CSS to inform them that the total amount that they could collect ( medical expenses/fees ) would be {$1000.00}. On XXXX/XXXX/XXXX, XXXX XXXX ( XXXX ) called me at home, and attempted to collect the debt. I informed her of the modifications made by XXXX ( which she initially stated she unaware of ), and demanded the payment in full for {$1000.00}. I informed her that I would be willing to make a payment arrangement with CSS ( per XXXX, this would be an option ), and was told that I could not make any payment arrangements, and that I could pay for the debt in full using my XXXX credit card, when she indicated she was looking at my credit report and could see the available credit to use. In addition, she made threats on both occasions to take me to court, and report to credit bureaus. I did not authorize CSS to access my credit report, and feel that this is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This agency just added a new collection on my credit file. This is unknown, inaccurate and I did dispute and request validation and nothing again received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
Debtor timely responded to debt collection lawsuit by filing an appropriate Answer and Notice of Appearance. Plaintiff debt collector then filed a Motion for Default twice and denied receiving the Answer, which there was proof of filing, mailing, and proper service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
I received a court XXXX for a XXXX bill from XXXX years ago from a debt collection agency. I called immediately to ask what it 's from and they would n't give any information and said I can pay XXXX of it to settle it but that the legal process would n't stop. I asked how much half would be and they said XXXX, but the amount of suit on the summons is listed as XXXX. I hung up and called again and was given different information. I was told I could make a payment of {$400.00} and monthly installments and it would halt the legal process. I do n't know what this debt is for or how much I actually owe and I 'm getting different information from different people. When I said I was unemployed they just sat on the phone in silence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly XXXX ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My mortgage was with XXXX and that alone should say it all but I 'll continue ... 
We took a XXXX out and decided to add a master bedroom and bathroom to our XXXX bedroom XXXX bathroom home increasing the property value ( or so we thought ). XXXX was assumed by XXXX XXXX XXXX which is where everything went downhill ... XXXX would not honor the appraisal and said we had to re-appraise using THEIR appraisers who essentially came in and LOW BALLED the value at less then half of what the original appraisal was. With XXXX loan payments and now heavily upside down in debt we could no longer afford much thus adding strain on our marriage we filed for bankruptcy and shortly thereafter divorce ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
di tech has provided another style of mortgage statement. The statement indicates statement date : XXXX/XXXX/2016 and statement due date : XXXX/XXXX/2016. Due to the date of receipt of the statement taking place on/about XXXX/XXXX/2016, I view the XXXX/XXXX/2016 date as a false assertion on the part of ditech. In order to resolve this lack of confidence in the ability of ditech to conduct business in a clear transparent fashion, I request for CFPB to review the mailing and document dating practices of ditech. With respect to the dating of statements I request for CFPB to require ditech to date the monthly statements with the actual date of preparation and the actual date of submission to the US Postal Service for delivery to the mortgage obligees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
My mortgage was with XXXX and that loaner only had to pay taxes and insurance. No payments were required from XXXX for over two years and house was written off. Then on XX/XX/2015 Green tree sent client a letter requesting payment of XXXX. Client is on social security XXXX and unable to make any payments after two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ECMC GROUP, INC.
State: NJ

Complaint narrative:
Established credit card with this company on or about XXXX XXXX. This credit card was included the Chapter XXXX filing of XXXX XXXX, discharged on XXXX XXXX, XXXX ( proof attached ). However, this creditor is violating the order of discharge by attempting to collect this debt through a XXXX party debt collection agency ( Premiere Credit ).

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 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX Ditech Financial LLC Previous Account # XXXX ( XXXX/Green Tree ) Previous Account # XXXX ( Green Tree ) Current Account # XXXX ( Ditech ) This letter is in response to your letter dated XXXX XXXX, XXXX. 

We have made SIXTEEN (!! ) different calls to Ditech Customer service regarding our situation and NO ONE has yet to resolve our issue. Based on the letter we received, NO ONE seems to understand the issue. There is NO problem with the current mortgage # XXXX ; our issue is with the DISCHARGE OF ACCOUNT # XXXX. 

So here we go again!!. 

Exhibit # 1 : Our original mortgage was with XXXX Mortgage in XXXX. This mortgage was assigned to XXXX XXXX XXXX in XXXX ( account # XXXX ). In XXXX XXXX, the mortgage was assigned to Green Tree as evidenced in exhibit # 1 attached. 

Exhibit # 2 : In XXXX XXXX, we remortgaged with Green Tree. At the time of the remortgage, a discharge was completed. However, Green Tree was not discharged from the mortgage, XXXX XXXX XXXX was discharged. This is evidenced in Exhibit # 2. THIS IS THE PROBLEM. At the time of the discharge, XXXX XXXX XXXX did not hold the mortgage, Green tree did. 

Exhibit # 3 On XXXX XXXX, XXXX, we were contacted by the attorney 's office who is handling our current refinance. A copy of the email is attached. At that time, we contacted Ditech, our first phone call. We were told to provide a copy of the email ( which is exhibit # XXXX ) from the attorney. We did this on XXXX XXXX. At the same time, we were provided with a secure link in an email. We uploaded the email ( exhibit # XXXX ) and the assignment, Exhibit # XXXX. 
This attorney 's office conducted a title search and discovered the issue with the discharge being incorrect. 

Exhibit # XXXX Copy of the fax sheet sent to XXXX regarding what needed to be corrected provided on XXXX XXXX, XXXX.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation
State: ME

Complaint narrative:
Entered agreement with Performant Recovery Inc. to pay nine months of agreed upon payment to have my Federal Student Loans Rehabilitated. When the nine month period was satisfied Performant indicated they calculated my payment wrong and that I needed to start the nine month period over.

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 2016-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: iFreedom Direct Corporation
State: TX

Complaint narrative:
I had spoken with XXXX XXXX of jFreedom Direct about a possible mortage and i told her i had a collect that i was working to have removed. She told me she wanted to get a copy of my credit report from all XXXX bureaus. I told her no. I again told her about the collection account and how i had to give them at least 30 days to respond. She aggreed to wait and we ended the call. I have credit monitoring and i was shocked when i received an email that XXXX had run my credit. I contacted them as i had never heard of this company. And never gave anyone permission to obtain my credit file. They gave me the name, address and phone number of a person named XXXX at iFreedom Direct who requested the report. As i have never spoken to this person, i called XXXX who admitted that there was indeed a manger named XXXX with her firm. She claimed that no one at iFreedom DIrect had run my credit. She called me later claiming she had a CSR from XXXX on the line to 'prove ' that they did not request my credit report. I told her when she got XXXX on a conference call then call me back. I have not heard from XXXX or XXXX. I never gave her permission to run a credit report. The address and phone numberof the iFreedom Direct person I was working with and that requested my credit file is : iFreedom Direct. XXXX XXXX XXXX XXXX, CA XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I brought my checking account to a {$0.00} balance and then called customer service to close my account. First they refused to close it over the phone and said I was required to go into a branch if XXXX is within XXXX miles from my home. When I looked up a location there was not a local branch so the customer service rep told me to fax a letter to XXXX to deposit operations with my full name, account number, and current address along with my signature and they would close the account. I faxed the letter and then called customer service to confirm they received it. They did confirm it was sent but then said a letter was mailed to me and I need to get my signature notarized and sent back to them in order to close the account. I have had many accounts at other banks that never required this much to close an account. It appears they are just trying to make it very difficult in order to retain clients but with this kind of customer service I will be happy when my account is finally closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Service Company, INC
State: MD

Complaint narrative:
I reviewed my XXXX credit file In XXXX XXXX and discovered that there were XXXX collection notices from Credit Service Company in XXXX, XXXX on behalf of XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX, XXXX. I asked XXXX to investigate and they quickly verified that the bills belonged to me because the collection agency had a lot of my personal information. I had been hospitalized in XXXX XXXX at XXXX XXXX XXXX Hospital for at least a week. Medicare and XXXX XXXX XXXX XXXX XXXX paid the hospital bill in full and I assumed the associated bills from XXXX XXXX XXXX XXXX which is a separate billing entity were also paid in full. They usually have been paid in full. No one contacted me about unpaid balances From XXXX XXXX until now I have never received a telephone call nor correspondence from XXXX XXXX Hospital, XXXX, nor XXXX XXXX XXXX. Only XXXX XXXX XXXX XXXX uses XXXX XXXX XXXX as bill collector. I can not verify that the amounts ( approximately {$210.00} ) are vaild. There is specific no description of the services provided. The bills paid by XXXX and Medicare amounted to over {$5000.00}. I ca n't even find an accurate telephone number nor address for XXXX XXXX XXXX Services. I will not pay the collection bills until the amounts are described and verified. I have lived continually at my address in XXXX, XXXX and retained the same telephone number for approximately 29 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation
State: CA

Complaint narrative:
I have been getting aggressive phone calls at my work and on my cell phone from a company named Performant who took over a loan I have no idea what it 's for ( I 'm pretty sure it is student loansI have repeatedly asked them to send info on what it is but they give me the runaround. If I know what it is I would be more than happy to pay it. But they are short, rude and will not work with me.

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 2015-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
I want Nathan & Nathan Law firm ( claim to represent XXXX ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
Nathan & Nathan Debt Buyer/Collection Agency/Law Firm ( not the original owner ( XXXX sold the debt to Nathan & Nathan ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the XXXX XXXX charges due to my illness, vehicle injuries, and unforeseen financial difficulties.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
This complaint is about santander consumer usa i debated the terms of agreement and won the debate, however they reported it twice on my credit they claim they only reported it once however the XXXX still show on my report. They say that its not on my report and can not and will not do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: On-Site Manager, Inc.
State: TX

Complaint narrative:
They have reported some wrongs things on credit report and refuse to remove them. they have also have denied me on a rental applications based on this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander USA calls me every day and on at XXXX occasions they did not leave a message. On XXXX/XXXX/16 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent called me on XXXX/XXXX/16 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back in XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move XXXX payment to the end of the loan but I was told I would have to wait until I made XXXX payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make XXXX payment on XXXX/XXXX/16 but I need XXXX or XXXX payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well. I am asking for any credit reporting to corrected due to the scare tactics, I actually have the call recorded on my phone if Santander wants to hear it. This call was about a past due balance and this was not considered to be an emergency per my employer. He states this was an emergency call, I advised I am at work but he states again it was an emergency which it was not. It is illegal for a company to claim a call is an emergency when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I paid off my car loan with Santander Consumer with a agreed payoff. I received a letter which I can provide with the agreement information, I payed the agreed payment but on my credit report they are reporting account paid with charge off/ write off amount. Obviously this is drastically hurting my credit and prohibiting me from obtaining any type of loan. The reporting from them is completely inaccurate and a direct breach of contract. I have contact Santander several times and they keep stating they have no record of my account or social security number so they cant help me. Their practices are totally unethical and I could only imagine illegal. I would appreciate any help with getting this properly fixed.

Company response to consumer: Closed with explanation