vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Columbia Recovery Group LLC
State: OR

Complaint narrative:
On my XXXX it shows Columbia recovery group has an open account in collections for me for XXXX XXXX apartments. The account was discharged and satisfied from bankruptcy. It is still open and affecting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I received a citation/lawsuit threat from a company I have never heard of or dealt with named Zwicker & Associates. They have not contacted me before now but yet claim they are suing as XXXX XXXX. XXXX XXXX informed me that they charged off the debt in XXXX XXXX. My husband was speaking with a company known as XXXX and negotiated a settlement with them in XXXX XXXX for the debt they had purchased from XXXX. I 'm not sure why this other company says they are now DBA XXXX XXXX - or if they are even affiliated with XXXX XXXX. They sent a plain clothes man to my house after XXXX on XXXX/XXXX/XXXX. He looked through my window and waved at me which I found quite disturbing, considering that it 's just me, my elderly mom and kids left at home. I cracked the door and he said he had something for XXXX XXXX. I thought he was dropping off something for my ill XXXX year old mother ( named XXXX XXXX - who I am caring for ) but then I saw that it in fact had my name on it, and it was referencing collecting for XXXX - and not the $ XXXX settlement that my husband negotiated in XXXX with XXXX , but an amount exceeding {$20000.00}. I knew that XXXX ( my late husband who died suddenly last XXXX ) had negotiated with XXXX years earlier. A search through his office files shows notes and a check copy to XXXX - not this " Zwicker & Associates ''. I have not been contacted by XXXX or XXXX since he settled the debt in XXXX. I assume XXXX bought the charged off debt from XXXX in XXXX of XXXX. Did XXXX or XXXX " sell '' this account AGAIN to another debt collector?? If so, who has the $ XXXX of the original settlement from 2 years ago? Does this company know of my husband 's sudden death and now they are trying to threaten me into double paying it because my husband 's last name is n't on it? I am a new widow with XXXX young sons to raise, huge bills, IRS installment payments from my late husband 's now defunct business ( which died with him ). I can not afford to hire an attorney to fight a threat that has no explanation or details attached to it, or accountability on the part of XXXX or this " Zwicker & Associates ''. There are a ton of complaints and legal issues online all against Zwicker & Associates, so I do n't know if they are legitimate or a scam. What are my rights to protect my family? I do n't understand how companies can legally file a suit or judgement against a person without ever contacting them before, let alone having no proof of a claim. Can you please help me or direct me to someone who can?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Credit history request- never authorized, company not recognized

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 2016-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
Professional Debt Mediation Inc. has been handling an unpaid debt of mine. They have listed this collections account TWICE on my credit report, which I understand to be illegal. They listed my debt of {$380.00} under two different account numbers so that the credit bureaus can not remove the duplicate account. In addition, every time I call them, they are very rude and unhelpful. They made it seem like the practice of putting the same debt on your credit report twice is acceptable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
Credit Central in XXXX, TN calls me everyday, 3 x a day even though I sent a letter stating not to call me at work. They sent a man out on Saturday morning who tried to force his way into my home. He blocked our cars in the driveway, harassed me in my front yard after asking him to leave and he followed us for several miles after we drove out of the driveway. we took pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
Called an auto dealership in our area and explained what we were going through and told them what that we had XXXX to put down and unfortunetly told them how we did not have any funds for sales tax and they told us oh no problem and I asked how much would this cost and she if we could find a lender, I will let you know, we were under duress at the time as we had no car, so we went to look at it and it was sitting outback, did not let us test drive it, said they had to put muffler on and which they did but that was all as when we got the car, no heat then ac died then wheel well was problems in which they fixed but were not happy to as it was within 30 days. But the most important part was we signed it because we were desperate and had no other way to get a car, no funds in bank, absolutely nothing, my husband was using the company truck for a limited time as he needed to get to work. When we signed we had not had a car payment since XX/XX/XXXX in which we payed it off with a bank. They charged us 21 % as said my husband did not have any credit but we had owned a home and sold it in XX/XX/XXXX, so I do n't understand how we had no credit, so I had to be a co-signer and my credit is not good from student loans and never gave it much thought until our excise bill came and stated that the car was only valued at {$1800.00} and that really opened my eyes and I looked into XXXX XXXX book and so that was true, and in the mean time, checked our paperwork and saw that after all payments were done, we will have paid {$11000.00} for a car worth {$1800.00}?? They said the total cost of your purchase on credit, including your XXXX downpayment is {$11000.00} and now if someone hits our car and totals it, we only get {$1800.00} and still have pay {$11000.00} for the car. They took advantage of our bad credit and it was not a bank it was Credit Acceptance of Michigan and digging further on line about them, they do not have a good name. Now looking at it we are having hard time paying as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONS RELIABLE LENDING LLC
State: OH

Complaint narrative:
On XXXX XXXX, 2016 ( I closed on XXXX XXXX, 2016 ), My lending agent asked me to send him my XX/XX/XXXX bank statement as it was, apparently, missing a page. I doubted that it was ; yet, I was prepared to send it again. It was about XXXX. My lender said he needed that document within a certain amount of time ( about forty-five minutes ) or my closing would be delayed. The pressure was surely on! After several attempts by my wife to take a picture of the supposed missing page and text it to the loan agent, she was told the pictures taken again and again were not clear enough, the agent could not read the document. At least forty-five minutes had passed. The loan agent asked for my username and password associated with my bank account. I was unwittingly prepared to give it to him until my wife adamantly cautioned me against doing so. She said, No! You do n't give out such personal information and should be skeptical of the motives of anyone, who is not supposed to, requesting such. She added ( since we could not meet the one hour deadline ) that the clear to close would just have to wait until the next day. I told the loan agent I could fax the document but it would take more than the time frame I was allotted by him. The agent acquiesced. The process took about forty-five minutes. I texted the loan agent when the document had been sent. The agent confirmed receipt by text. I am offended that the agent asked for such information. What was his motive? Under duress, I was prepared to act hastily. I feel insulted that he deemed me nave enough to break under that kind of pressure to close, dependent on his immediate receipt of the stated document. Was he trying to take advantage of the difficulties my wife and I encountered along the process of purchasing our home -- -- one being having had to change lenders before the loan agent of whom I now speak took over? Requesting my username and password associated with my checking account was wrong. Sketchy? Unethical? I remain indignant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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: Schachter Portnoy, L.L.C.
State: GA

Complaint narrative:
Collectors may NOT add interest, fees, expenses or charges of any kind to the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
I XXXX XXXX would like to request the release of all phone calls made into Drivetime from the dates of XXXX to XXXX to the Consumer Financial Protection Bureau at the below address. I have been requesting a Loan Modification on my vehicle for over 30 days and have been continually given the runaround whenever I call in. I have never been late on my payments since my purchase in XX/XX/XXXX. I have attached all email communicationConsumer Financial Protection Bureau Attention : [ Employee Name, Division, and/or Office Number ] XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX am requesting the following:1. Please release all phone calls from the dates of XXXX to XXXX to the CFPB. 
2. Release of your Loan Approval and Loan Modification Procedure from dealership to your corporate headquarters in XXXX and XXXX to the CFPB3. Loan modification to be granted with semi-monthly payments. 


Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2016. Went on LendingTree.com website to research a possible auto loan refinance and selected option to " View my rates '' - entered information on the website, did not give my full social security or consent to have credit pulled. My information was forwarded to various third parties who pulled my credit without my consent and I now have XXXX new hard inquiries, affecting my credit scores. These unknown companies are calling me non-stop

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 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: Allied International Credit Corp., (US)
State: NC

Complaint narrative:
I received a letter in the mail from Allied International Credit Corp on XXXX/XXXX/2016. The letter states that XXXX has turned over a debt of {$93.00} to them for collection. I do not have an XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My current lender is PHH mortgage. I am trying to refinance into a lower interest rate and lower monthly payment through XXXX mortgage. I am recently discharged from Chapter 13 bankruptcy. I am attempting to get my statement from PHH but they are refusing, They are telling me that the discharge of bankruptcy from the court is not enough. They claim they need a " termination '' of bankruptcy from the court. When I spoke to the BK department of PHH, they refused to give me the employee numbers. When I attempted to call the New Jersey office, I was transferred to XXXX to speak with XXXX who again would not give me an employee number and then he transferred me back to NJ, twice, where they hung up on me each time. These events all transpired between XXXX and XXXX on XX/XX/2016. I am just trying to get me statement from my current lender in order to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mirand Response Systems, Inc.
State: TX

Complaint narrative:
amount was XXXX and attempted to collect XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DEPENDABLE CREDIT CORP
State: NY

Complaint narrative:
I secured a loan with Dependable Credit on XXXX/XXXX/15 and began having trouble with the car immediately. I spent over {$2000.00} on repairs in the 1st month of owning the car, but because it had over XXXX miles I was not able to return it due to lemon laws. 

Feeling stuck and with a credit company that is relentless and unbending and unwilling to make any concessions. I worked hard not to damage my credit but they would n't approve a deferment or anything. Always threatening to repossess the Acura MDX, even though I was n't more than a few days late. 

Finally I had enough I went to another dealership and wanted to trade in the car for a smaller car a Nissan Altima just to get away from this company. To add insult to injury the representative from Dependable Credit, was charging me an interest rate that we never agreed to and then provided the new dealership with false info for my pay out. When confronted with the details I advised here to please send the corrected info, she refused advised that she needed to keep my business. I advised her that not up to her and I no longer wanted to do any business with her anymore and to please provide the correct details. This business practice is unfair and must be illegal this company should be investigated. They reported to the dealership that I owe XXXX on the loan which is the original amount of the loan itself. Then sent me an invoice for XXXX - and had a payment from me that made even this amount lower. They wont release me or allow me to pay off this loan.

Company response to consumer: Closed
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I am unable to reach PHH Mortgage ( https : //www.phhmortgage.com/13571 ). 
- online their autopay webform is broken - their phone system is not working so unable to reach a customer service representitve

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
Latest issue is not the first timetime. PHH mortgage reports severely late payments to the credit bureau when they were paid on time. When I call they claim no record of late payments on their end. They state they will correct the situation but do nothing. PHH mortgage has also XXXX some yrs ago modified my loan after I get hurt at work, accept the modified amt over a year XXXX times, then claim it was temporary, but because their system was behind, I would have to pay over XXXX to get acct current, and is adding it onto the loan. They have even reported that I was in foreclosure back in 2010, when I was not even behind on payments, causing a very high interest vehicle loan, they denied reporting that also, so the have ruined my credit, and are getting XXXX XXXX more for my house note. They have kept me from getting a loan, from inaccurate reports to credit bureau, cost me a high interest vehicle loan that I just paid off, and ruined my credit. Please help me! I will mail copies of many documents for proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I had a checking account at Associated Bank. I had arranged for loan payments to be made by ACH from my account. For a number of reasons, I closed my account at Associated and in the process I requested that the loan payments be cancelled since they are being made through my new account. 
For the last SIX months I have been getting notices from the bank that has my car loan that my payments are not being processed because my account has been closed. Although I am making payments as agreed through my new account, the notices have become a nuisance to me and to the bank that has my car loan. 
I have asked on numerous occasions to stop the payments from my account at Associated Bank and I have been assured on XXXX separate occasions by XXXX separate people that the automated payments have stopped. I have received another notice from my bank that has my car loan that yet another payment from the closed account has been attempted. This is extremely frustrating to me, and I have absolutely no confidence that Associated Bank will not report negative information about my account because of the returned payments. 
I just want them to stop trying to process the payments against this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Home Loan Center, Inc.
State: LA

Complaint narrative:
I did all the steps right they just di n't deal with my bank i was with

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
I have had problems with PHH Mortgage crediting my payments since they took over my mortgage loan. I have called to sort out the issues on several occasions to no avail. They are currently harassing me for non-payment when I am actually at least 1 month AHEAD in my payments not to mention I pay a little extra to equity each and every month. They are charging undue fees and marring my credit because of their poor bookkeeping. I need a full accounting of my account, any and all fees/charges refunded immediately to my account and my credit restored to any and all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
I received a phone call from XXXX XXXX from Credit Corp Solutions Inc. ( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) from XXXX Utah. XXXX said if I did n't pay the debt I owed he would refer me to their pre legal or legal department. Pasted below is the email Dear XXXX XXXX, Attached is the Validation Notice for the XXXX XXXX account which was mailed to you. 
I have also attached the statements we have received from XXXX XXXX. 

The account has an outstanding balance of {$3200.00} Due to non-payment this account has been reviewed and has been flagged to be forwarded to our Pre-Legal Department. 
I have a limited time to work with you to attempt to understand your capacity and intentions towards resolving this account before making a determination as to whether your account should be escalated to our Pre-Legal Department. 

As I had discussed with you earlier today your account has been flagged to move forward through the collections process. I have a short time to work with you to prevent this from moving further. 
Today I will be in the office until XXXX MST or XXXX EST. 
I can be reached directly at XXXX or toll free at : XXXX ext XXXX. 
Our website is www.creditcorpsolutionsinc.com. 



Yours faithfully, XXXX XXXX Customer Relationship Manager Credit Corp Solutions Inc . 

( Also licensed in certain jurisdictions as Tasman Credit Corp and Tasman Credit ) Tel : XXXX DL : XXXX Fax : XXXX As you can see XXXX XXXX has threatened to refer me to his prelegal department in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd
State: KS

Complaint narrative:
I was contacted at XXXX CST by a XXXX XXXX . She asked about an outstanding invoice with XXXX XXXX. She asked if I was having financial difficulty, I told her no, that my contract ended. I was obligated to pay 6 months, I paid that. She asked if I read the terms and conditions of my contract, I explained that I had. I told her I had a copy of my contract I would send her that states the effective end date and a highlighted portion that shows the automatic rollover clause was NOT effective per my request. XXXX said I had to pay immediately, I told her I was not paying something I did not agree to pay, when I hung up the phone, she immediately called back, I sent the call to VM. XXXX then called back immediately a XXXX time.I sent that to voicemail. She the called my employer, asked for " Who ever was over me '' and then complained that I was rude.

Company response to consumer: Closed with explanation