vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Terrill Outsourcing Group
State: FL

Complaint narrative:
This morning I got a call from a company by the name of Superlative RM. The person refused to give his last name but his first name was XXXX. They have the CFPB logo on their website so I assume you are somehow endorsers of theirs. Anyway, I calmly explained to this person I did not owe any debt to the company. The rep laughed at me and said they were going to report the debt to the credit bureaus and said that I had to dispute the debt in writing. I demanded that they validate the debt as is my right under Federal Law but they refused to do so. I never signed any contract with this company and have never heard from them. They also called me from a ( XXXX ) ( XXXX XXXX ) phone number but I found out they are based out of California and are operating under XXXX different company names. He also had my personal information such as my social and I told him he did not have my permission to have or use this info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I had medical treatment with a doctors ' clinic and had in effect health coverage with a Medicare XXXX XXXX, Medicare XXXX. I was told I owed a CO-Payment amount by my health insurer different than the doctors billing service. I paid the CO-Payment the doctor asked for directly to the doctor. Later, Medicare adjusted the approved payment to the doctor, so I may have overpaid the doctor directly. The doctor 's office turned this matter over to collection with " Arbor Professional Solutions, XXXX XXXX XXXX ; XXXX XXXX, Michigan XXXX, XXXX who are adversely reporting this matter paid or overpaid in full directly to the doctor prior to collection. It should not be reported at all with the XXXX Credit Reporting Bureaus and is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
I filed for bankruptcy chapter XXXX, and part of the process included surrendering all of my properties. A company placed me in collection for a job I never requested, from XXXX of these properties. I did not receive any kind of communication and while I was in bankruptcy was placed in collection since 2011

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I recently agreed with my mortgage loan servicing company to short sale my home. It was the only option giving to me at that time. I was giving a contact agent ( XXXX XXXX ) at Fay Servicing , LLC. I have not been able to contact him at all after he told me that the best way to contact him was by email. In our original conversation ( the only contact I had with him by email ), he told me that he submitted it to the XXXX XXXX Department. It has been several weeks and no contact by either him or the XXXX department. I was also told that if I had a realtor that the agent should contact him for further directions and the handling of the sale of the home. To date, we have heard nothing from XXXX XXXX. We need contact from him, as I feel we probably could have sold the home by now. I also believe this may be a stall tactic to foreclose on the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: P&L Acquisitions LLC
State: NC

Complaint narrative:
My interaction includes multiple violations, but I was only able to choose one. A representative from P & L Acquisitions contacted a relative with whom I have never lived, never used as a contact address, and posed as an employee of the local courthouse. He claimed that he was looking for me, because a summons was going to be delivered to my relative 's address the following day. He stated that she needed to get a message to me informing me of this information and that I needed to contact a toll-free number that he provided to her in order to resolve the matter. My relative was able to reach me. She told me that the caller disclosed details of the alleged debt, as well as harassed her with threatening language, and he told her that he was a courthouse employee and that he was at the courthouse at that time. The number on her caller ID showed the XXXX County Courthouse number, but the number did not originate from the courthouse. I called the toll-free number that was given to her, and a man answered with a greeting of " Corporate office. '' I asked for the name and address of the company, which he provided as P & L Acquisitions. I also contacted the courthouse, as well as the Sheriff 's Department, and they denied that anyone from there contacted or was looking for me. A representative from XXXX XXXX XXXX XXXX fraudulently posed as a courthouse employee in order to threaten me. The next day, I received a letter from the company, signed by XXXX XXXX " Legal Administrator. '' The letter untruthfully stated that I had ignored previous attempts to resolve this matter, which is absolutely not true, because I have never received any communication from them, and there is no information in the letter to identify what this matter is about. The letter is designed to look like an official legal document. It threatens to obtain a judgment against me without even suggesting that I have a right to dispute their claim. There is nothing about an original creditor or other identifying information. There is no disclosure stating that I have the right to dispute. There is no proof that they are licensed to practice in my state. The letter also states that they may file a lawsuit against me which would result in a judgment entered against me. That 's not how it works. This letter is yet another example of illegal collection practices that this company has willfully chosen to take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I have been a Foreclosure Prevention XXXX with a Nonprofit, HUD XXXX XXXX for over XXXX years. I have been trying to assist my client since XX/XX/2016 who clearly qualifies for XXXX. The servicer, Fay Servicing, has done nothing but put my client in a situation where they will lose their home. Fay Servicing acknowledges the investor on the loan participates in XXXX, but Fay Servicing refuses to communicate how they calculated the client 's income to state the borrower does not qualify for XXXX. XXXX XXXX has verbally communicated with me that the loan was approved for an " In House XXXX XXXX '' which will be almost $ XXXX more than the current payment. Fay Servicing then forwarded a XXXX letter dated XXXX, to the borrower stating the borrower must respond on XXXX, yet the borrower received the letter on the XX/XX/XXXX BUT the letter does not include any information about the Trial Period Plan whatsoever!. Therefore, what is he agreeing to??!!! I just now called Fay Servicing and although I was verified as third party authorized on the account by the woman that answered the phone, I am now being told by the supervisor, XXXX I am not authorized on the account! I have been told that they will not answer my questions yet they will not give the homeowner anything in writing. This is an unbelievable situation that the homeowner has been put in!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
HSA Bank, a division of Webster Bank, XXXX, has not sent me the requisite tax form for XX/XX/XXXX. I contacted its customer service, which gave me the run-around. The XX/XX/XXXX form is available online, but the XX/XX/XXXX form is not yet available. My understanding is that banks are required to send out tax documents by the end of XX/XX/XXXX following the end of each tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC
State: LA

Complaint narrative:
GMFS contacted me by phone offering a forbearance as a " courtesy '' on XXXX/XXXX/16 They gave false information about the terms of the forbearance. 

They stated that a 3 month forbearance would be made up at the end of the 30 year loan. that the loan would change from 30 year duration, to 30 years and 3 months. 

They also stated that my credit score would not be affected, there would be no delinquency issues, including late fees or interest fees. 
When the 3 month period was almost over, I contacted them and they stated that the previous information given on XXXX/XXXX/16 was not true, and that all 3 monthly payments were now due at one time, on top of my XXXX payment. These practices are unethical, untruthful, and disgraceful and the company should be held accountable by offering restoration and reversing the damage that they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I was in a car accident was XXXX and consequently had to have XXXX on XX/XX/XXXX the XXXX was performed by XXXX XXXX XXXX ( XXXX XXXX XXXX ). My case was settled in XX/XX/XXXX. At that time all medical bills and doctors ' bills were paid by XXXX and the Law Offices of XXXX XXXX XXXX I was sent a courtesy copy of what was paid and to who it was paid from both my attorney and XXXX XXXX and XXXX XXXX. 
Years later I get a bill from the XXXX XXXX XXXX stating that they sent my nonpayment to collections American Capital Enterprise, INC. I assured the receptionist that these expenses were paid. She informed me that I needed to pay the balance {$6000.00} At any rate they have not stop harassing me for payment that was already made to XXXX XXXX XXXX XX/XX/XXXX. They insist on payment that was already made and is now in collections. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Esser, James & Associates
State: NY

Complaint narrative:
Me and my father-in-law both have been harassed by phone by Esser James and Associates daily for 6 months. Esser James and Associates were looking for a woman named XXXX XXXX, who we have never heard of, and has never lived in our home. We contacted the Attorney General to make the calls stop, but instead of stopping, they moved on to calling my and my father-in-law 's personal cell phones. The calls stopped on my end when I let my prepaid cell phone run out. They have been relentless on my father-in-law 's phone, however. I 've been looking for solutions to make these people stop harassing my family looking for a person who does n't exist in my home, and who we do n't know, but have been unable to find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation
State: MN

Complaint narrative:
After telling them not to call my work, which is at a XXXX. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I had a account with suntrust bank. I made some deposits that were returned ( another source did n't have enough in the accounts to cover ) Suntrust placed the account on hold. This at the time was my main source as far as banking was concerned. So my employer deposited my pay check into the account. Suntrust refuses to release any part of the deposit. Even if the original items ( that put the account on hold ) were far less than the payroll deposit. I called everyday and was told something different every single day. Now here the kicker the account is on hold, so things that were in auto pay would try to go through. More than enough money to cover the charges but Suntrust sent back the items unpaid and charges {$36.00} each time. So not only was my funds unavailable to be and they would n't release them they also was charging me fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AES/PHEAA
State: NJ

Complaint narrative:
XXXX XXXX was hired to collect for my XXXX delinquent student loan accounts owned by the National Collegiate Trust. XXXX made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, XXXX claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by XXXX XXXX and paid to American Education Services, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with XXXX XXXX regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at XXXX XXXX. 

I contacted American Education Services to determine whether or not they provided my bank account information to XXXX, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to National Collegiate Trust. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to XXXX XXXX, then someone else did, and did so illegally. 

XXXX XXXX told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: IN

Complaint narrative:
The lender is completely unwilling to make any adjustments to my interest rate to make my payments more affordable. They use a third-party service called XXXX to collect on the loan when it becomes a day late and that service helps me with a payment that is more affordable but the main lender refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. 

Collection Services of Athens INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: GMA Investments, LLC
State: TN

Complaint narrative:
Company that calls itself Summit Recievables has been calling me and other family members, threatening legal action as well as fraud charges, verifying my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Greentree mortgage company gave us a loan XXXX years ago at a 12+ interest rate. It was a predatory loan that we paid {$700.00} a month on for XXXX years. When this home was purchased it cost us {$56000.00} after XXXX years we owed {$64000.00}. They would not adjust our interest rate because they said it was private investors. They charged {$55.00} a day for every day we were late on our payment. This practice should be illegal and they should not be able to try to collect this amount from us because we have paid the cost of the house at approximately {$110000.00} and still owe {$8000.00} more than the original price of the home. This debt should be forgiven and should not impact our credit rating

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
After working with Ditech Financial LLC for several years to get a settlement, they approved the settlement, but left only a few hours for the settlement amount to be submitted, and then denied the settlement for being late with the amount of settlement. As well, I was charged for insurance from their provider, at the same time paying for insurance from my personal provider, and receiving collection calls at all hours of the day and night. Please investigate this matter. Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
The company has engaged in obvious fraud, it has refused to release the title on a property that has been paid off. Persons that have purchased the property are unable to complete the purchase and move in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
We mad a payment to Ditech for our mortgage and the mortgage company put our payment onto someone elses account. This payment was done over the phone with a conformation number given. This payment also shows a debit out of our checking account. We have been in contact with them for 4 months about this and they say they are taking care of it and have not done so. It is still showing that we did not make our XX/XX/XXXX payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My escrow payment calculation ( per month ) went from {$330.00} to {$3900.00} per month. My total monthly payment increased from {$1200.00} to {$4800.00}. I called on 3 seperate occasions to have the issue resolved however nothing has been done. I would expect a mistake of this magnitude to be fixed promptly but it has basically been ignored.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC.
State: OH

Complaint narrative:
I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying ECMC reported me and ECMC is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I sent a wire on XXXX XXXX, 2015 to Green Tree Serving LLC, in the amount of {$530.00}, to payoff balance. My XXXX payment of {$150.00} was debited from the account on XXXX XXXX, 2015. I received a reimbursement dated XXXX XXXX, 2015 and I deposited the check into my saving account, on XXXX XXXX, 2015. They placed a stop payment on the check XXXX XXXX, 2015. I have been calling for almost a year to get my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation