vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Collection Services, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against CBCS for CBCS 's failure to provide requested information for the debt alleged. On XX/XX/2016, consumer, XXXX, received a demand letter from creditor, CBCS. On XX/XX/2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over six weeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
TCF Back returned XXXX items on XXXX/XXXX/16 even though the money was in the account. Their reasoning for returning the XXXX items that total {$89.00} was because I had a pending item that as of today XXXX/XXXX/16 still has not posted. They charged me {$140.00} in overdraft fees even though my account balance was NOT negative. Their reasoning was they authorized the payment at XXXXCST on XXXX/XXXX/16 so since the charge was authorized, it MIGHT overdraw my account. Out XXXX check was deposited on XXXX/XXXX/16. Even though the bank was closed and the cut off time for my XXXX payment had passed and was not going to post. So in essence I was charged XXXX % more than my actual items. TCF Bank is raping their customers with this unfair practice. A pending item may or may not post, it could have been cancelled, it could be a temporary hold. You can not return items on speculation. I contacted TCF customer service and they were rude. They would only refund {$50.00} so I am still out {$98.00},. This unfair business practice can not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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: M&S Recovery Solutions
State: NC

Complaint narrative:
I am XXXX military and have been for XXXX years. In XX/XX/XXXX, I received XXXX, at which time, I had canceled various services to which I had at my home. One of these services, was a home security system. I submitted a copy of my XXXX as I had done with other services I terminated to no issues from the company. Around XXXX years later in XX/XX/XXXX, I started to receive outstanding debt notices from this company stating I owed {$1100.00}. I explained my situation and that I had previously resolved this matter prior to moving. The individual apologized and said they would take care of it. I heard nothing back until XX/XX/XXXX. I had again received XXXX. While in XXXX, my wife was back in the states buying a home for us in the next state we would be living in. It was at this time, we discovered the security system company had reported the debt to the credit bureaus. Before we could purchase the home, we had to have these issues resolved. I presented my case and the items were removed from my credit reports. It is now XX/XX/XXXX and this year, I have received multiple calls from XXXX different collection agencies all referencing this particular debt. Each time I request to have a bill mailed to me, the debt is sold to another agency and the process starts all over again. I have contacted the original debtor and they claim they have nothing further to do with this debt as it was sold off to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Ive contacted this company as well as XXXX in my recent attempts on XX/XX/2016 NUMEROUS times over the past several months almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the XXXX days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.

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 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I already filed complaint # XXXX but need to add also complaint that original debtor refused to work with me when I called them. They said they no longer had an account # or any information on me and the collection agency they turned my account over to would not work with me either. So apparently someone sold the debt to another agency and now my credit report shows I owe XXXX different agencies XXXX different amounts for the same original debt. I was never even contacted by the XXXX agency in any manner. I had to go online to look up their name and phone number. I need to get this off my credit report. It has destroyed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: OH

Complaint narrative:
XXXX XXXX, 2015 between XXXX-XXXX., I had got off work that morning and went to Key Bank in XXXX , Ohio to meet my Sister and Brother at XXXX. to discuss an outstanding loan debt with a loan officer. I was running about 5 minutes late, but when I arrived there, we were denied entry into the Key Bank located XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Ohio. They were only allowing XXXX in to do business. I felt that I was being discriminated against and could not understand why I was being treated that way. I have been a customer of this bank for years and I too was not allowed entry, we were literally locked out. I am an XXXX female who just wanted to talk with someone in the bank concerning modification of a loan. I was told to " go to another bank, on XXXX XXXX in XXXX XXXX talk with that Loan officer, who happens to be XXXX XXXX too. It was quite embarrassing. Though ... .after about 45 minutes, standing outside, witnessing XXXX police cruisers pulling in and them letting all the white customers out, my brother and sister and I were finally allowed entry. We asked why " we were not allow in but the XXXX customers were,? '' the Relationship Manager on duty, XXXX XXXX said, " because their system was down. '' That 's what explanation she gave us, which could n't be true, seeing that the white customers had no problem gaining entry and transacting their business. It was n't fair that me, my sister and brother were denied that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I took out a loan of {$12000.00} with Prosper Loan, and we agreed that they would take {$600.00} in advancethat is to say, I only received {$11000.00} in my loan. The interest rate was 7.91 percent. 
They were going to charge me {$370.00} on the 20th of each month to cover the minimum payment, which was {$290.00} going toward the principal and {$78.00} in interest, for A TERM OF THREE YEARS. 
I agreed, and I told them that I was going to make some extra payments as often as possible in order to pay off my account BEFORE the term was up. I asked them if the extra payments I would make would be applied to the principal, and they responded that they would. 

I took out the loan in XXXX, and the first payment was made in XXXX. Ive paid almost {$3000.00}, when in actuality I should have just paid {$1100.00} for the three months. 
They have not made the monthly reduction [ of the principal ] as we agreed, neither in XXXX nor in XXXX. That is, they keep on applying interest as if I havent paid, and according to them its because I made additional payments. But theyre also applying interest to the additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
We had a written approval to close XXXX/XXXX/16, shortly after receiving it we learned there was second lien. We asked several times prior to XXXX/XXXX/16 for an extension to deal with the other lien. We were not able to get in contact with the negotiator or receive any movement on our request at all. We need an extension, so we can resolve the XXXX lien and close the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I purchased a money order from Western Union in XXXX XXXX # XXXX. The money order was never used and is still complete and unsigned. The money order number is XXXX and I do n't have the purchase date. The amount of the money order is XXXX ( XXXX Dollars ) but Western Union Services says they will only cash the money order back in for XXXX ( XXXX Dollars ). I feel this is illegal as the original amount spent on this money order was XXXX ( XXXX Dollars ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I found a XXXX Bulldog for sale on XXXX after finding thepuppy I thought was right for me I contacted the individual whichwas through his email listed on his XXXX. After initial email at ( XXXXPDT ) on XXXX XXXX the individual responded back with a lengthy emailat ( XXXX PDT ) with pictures of puppies for sale. He inquired aboutwhat type of living conditions would the puppy be in have we everowned a puppy of this breed, etc. After XXXX emails on the XX/XX/XXXXI sent an initial {$300.00} via Western Union tracking number at ( XXXX PDT ) to XXXX XXXX at XXXX XXXX XXXX XXXX the XXXX Bulldog was said to be dropped off and ready for shipping. Later at ( XXXX GMT ) I recieved an email from XXXX XXXX stating I needed to provide a temperature controlledcrate for the bulldog that the crate provided could not be used fortravel. At XXXX PDT I sent via Western Union {$900.00} to XXXX XXXX XXXX XXXX XXXX. I then received and email with shippingdetails and arrival times of the XXXX Bulldog. On XXXX XXXX Ireceived an email at ( XXXX PDT ) stating I needed to send {$2500.00} splitup into two payments. One payment of {$1500.00} to be sent to XXXX then a following payment of {$1000.00} to be sent to XXXX XXXX. 
After receiving this email my wife and I called and said we will notsend this amount and we want a full refund of all money sent and wegot hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I have a mortgage loan with Bayview Loan Servicing and I have been attempting for over a month and a half to get a detailed transaction history on my mortgage account. I have faxed Bayview a formal request as well as emailed representatives with the company of my request. 

My request is for a detailed account of my mortgage since its origination in XXXX of 2005 when it closed with XXXX. I want to account for every dollar added to my mortgage loan since the origination date. This request would not only detail the payment history but also the added fees to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I was looking for a furnished apartment in XXXX to rent for summer. We are a military family and are being moved to XXXX so we wanted to spend summer in our hometown - XXXX XXXX, XXXX. I saw a furnished apt through XXXX and contacted the owner. He said he would rent me the apartment through an agency ( XXXX XXXX XXXX - using the XXXX logo ). He asked me to wire 1 month rent and 1 month deposit for a total of {$1300.00} plus {$100.00} to wire the money for a total of {$1400.00}. Since the transaction, I have not had any kind of answer from him or the supposed XXXX agency. I believe this is a scam I called Western Union but was told they could do nothing because the money had already been transferred and taken in XXXX, XXXX on XXXX/XXXX/2015. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc.
State: MN

Complaint narrative:
I received a collection letter from Monarch Recovery Management XXXX Inc XXXX Monarch XXXX dated XXXX XXXX, 2015. In the letter they state they are attempting to collect a debt on behalf of XXXX Bank. I was immediately suspicious as I have never held an account with XXXX Bank. I contacted XXXX Bank and they confirmed my suspicion of not ever having an account with them, not owing them money and that they never turned anything over to Monarch nor do they use them for collection. I then sent Monarch a debt validation letter on XXXX XXXX asking them to provide details of the debt. I had not heard from them until today when I received a second debt collection notice dated XXXX XXXX, 2015. I called the number listed on the letter and while I did not get an actual person, I left a voicemail asking them to cease and desist any further collection attempts until such debt validation has been made per FDCPA guidelines as enforced by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I HAVE BEEN FIGHTING TO SAVE MY HOME FROM XXXX XXXX XXXX NOW THEY HAVE TRANSFERED IT TO BAYVIEW LOAN SERVICING XXXX .I HAVE SENT ALL INFORMATION AS REQUESTED THROUGH MY ATTORNEY HAVE VERIFICATION FROM BAYVIEW BUT ON BAYVIEW WEB SITE I NOT EVEN IN THE SYSTEM WITH THEM.I HAVE THE UNDERSTANDING THAT WHILE A MOD IS BEING DONE FORCLOSURE SALE CAN NOT TAKE PLACE UNDER DOD FRANK.MY HOME IS SET TO BE SOLD XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: BYL Collection Services
State: CO

Complaint narrative:
BYL Services reported to XXXX credit reporting agency XX/XX/2016 an account that they placed with another agency. The lady I spoke with on the phone said that they did n't. She was very rude and I was calling in to clear the debt. She said they had placed the account with another agency and i should take it up with the reporting agency. I asked her if she could look into it and she said she already did. Very rude and false reporting from this agency.

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 2017-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
about 4 months ago i have sent a complete short sale package to bayview loan was told that it was on review and also requested to send copy of my driver license and social security card i did send all requested document for the short sale today my realtor called bayview loan to check status on the short sale file and he was told that that i am not able to apply for a short sale and the negotiator gave him no reason. i called bayview loan but they are not giving me accurate information please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Within the last two years I have used Western Union to wired thousands to my sons living out of state and instantly paid the corresponding fees. On XXXX XXXX, 2016 I wired money plus processing fees through the WU online system. This money was not need by the receiver so I requested a refund on XXXX XXXX but each day WU 's customer service representatives and supervisors refuse to provide that refund. They 've even gone as claiming that XXXX Bank refused to process their refund. This statement is absolutely dishonest as verified by my bank, which confirmed no attempt to refund this money was ever made. Later, I was told a new MTCN number would be provided to me and I can pick-up the refund at a WU location. Each day I am told a new MTCN tracking number would be given and each day I receive the same talking-points stating the tracking number will be available tomorrow. 

Due to change in my financial status, I am now on XXXX and withholding these funds has added to existing financial hardship for me. The public trust Western Union and it 's a sad commentary to know a global organization has such little regard for its customers and business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
I owed a medical debt to XXXX XXXX XXXX. They reported this matter originally to XXXX. XXXX lost the contract with XXXX XXXX and the debt was turned back over to the hospital. Once that was done, XXXX XXXX contacted me. I immediately paid this collection matter with the hospital. XXXX has agreed to delete this from my report. XXXX XXXX contracted AMCOL to collection their accounts. For some reason AMCOL started reporting a debt that I paid prior to being sent them. They are refusing to remove this error. AMCOL should have never reported a debt I paid prior to being sent to their office. Additionally, the refuse to assist me at all with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CHARLES SCHWAB CORPORATION, THE
State: DC

Complaint narrative:
Charles Schwab will made a hard credit pull on my credit report when signing up for a new bank account. Lots of banks make soft inquiries but nowhere does it say that they will make a hard inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AMCOL Systems, Inc.
State: FL

Complaint narrative:
This account it should be snt to the insurance company at the time XXXX I have never advise of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Recovery Solutions, LLC
State: MD

Complaint narrative:
I continue to get calls at my home from a company trying to collect a debt from a family member who does not live with me and has never lived in this home. The calls are made at least two times a day. They are either from a live person or a recording. I have asked them not to call anymore and that I can not help them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: FL

Complaint narrative:
The original creditor XXXX XXXX of XXXX is billing me {$35.00} for a copay that was paid on the date of service. This facility requires payment at time of service ; however, I have been receiving phone calls in reference to this debt from a debt collection agency and just recently received a letter in the mail. I do not owe this and it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from AMCOL 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 AMCOL 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