vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P.
State: MO

Complaint narrative:
These are computer generated phone calls at least XXXX times a day even on saturdat.they leave me a message and have my last name spelled wrong.so then they say they are a consumer credit counseling co.and someone is trying to sue you.but when i called their number they answer as portfolio credit collection agency lying about who they are.i am on social security XXXX and are being treated by a XXXX from the veterens adm.for XXXX XXXX and the constant phone calls are making it difficult to get better

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Systems International, Inc.
State: MD

Complaint narrative:
I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Advertising, marketing or disclosures — 
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
My prepaid Visa card ( issued by Blackhawk Network ) has a misleading " Funds Do Not Expire '' statement on the front of the pre-paid credit card. 

There is a " Valid Thru '' date that denotes when the card, in fact, deactivates. Once a card deactivates, the funds are not " gone '', but instead require egregious reactivation fees ( {$15.00} fee for a {$25.00} gift card ). 

The problem is that this is misleading consumers when Blackhawk Network says " Funds do not expire ''. It conflicting, confusing, and dangerous for consumers who depend on these prepaid cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Canceled service due to unsatisfactory internet issues. The ISP promised higher internet speeds however due to having a " customer '' owned modem they could not guarantee such speeds. ( XXXX ). Upon contact with phone agent I was informed that mg account would be settled and nothing would be due granted I return the dvr and XXXX other boxes to seperate tvs in. To my suprise I receive a letter from Credit Protection Association advising of a past due balance required to avoid credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
This is not my account. I was incarcerated during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Dear Sir/Madam : Urgent please. We have an ongoing short sale on our property, but morgage servicer has a Trustee Sale put in place on Friday, XXXX/XXXX/15 TS # XXXX, XXXX. This was an issue of Dual Tracking because we have BSI ( XXXX lienholder ) email communication of minimum acceptable price of $ 750K and XXXX XXXX ( XXXX lienholder ) approval, plus buyer 's ratified purchase offer of $ 780K contract with proof of financing. I have attached all documentations. Hoping for your kind and prompt assistance to this matter so we can save our home. Thank you very much.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Bliksum, LLC
State: CA

Complaint narrative:
They send multiple emails a day with different information even after i contact them and tell them i will get back to them at work. Contacted me at my place of work even after i asked them not to, and on one instance even refused to let me get off the phone, instead asking me " what kind of person i was, '' to ignore a debt. I did not ignore the debt, i asked them to contact me at a later time and that i was working. THey were persistent and rude. Now, they still call me multiple times a day. I 've explained the situation and that i am trying to pay them, to no avail. They still call multiple times a day and send conflicting email messages. It is disconcerting and makes me not trust them.They 're collection practices constitue harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phillips & Cohen Associates, Ltd.
State: MO

Complaint narrative:
This debt is disputedIt has also come to my attention that you are in violation of XXXX XXXX Code XXXX - Unfair practices ( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. It is to be noted that there are XXXX addresses on the XXXX letter received. 

XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Phillips & Cohen Associates , Ltd . 
Mail Stop : XXXX XXXX XXXX XXXX XXXX, DE XXXX. Phillips & Cohen Associates , Ltd . 
XXXX XXXX XXXX XXXX, DE XXXXListing XXXX addresses on a letter and expecting an unsophisticated consumer to correctly deduce which address a response needs to be sent to causes unnecessary confusion. Does the consumer respond in writing with the cost of postage to XXXX of the addresses, XXXX out of XXXX of the addresses or all XXXX of the addresses? In addition, this practice causes unnecessary expense if the consumer is required to respond to all XXXX addresses. These additional costs can be rather high if the correspondence is XXXX. registered or certified, and if not XXXX. registered or certified it might be possible for this debt collector to claim never receiving a response. An internet search reveals that XXXX XXXX XXXX, XXXX serves as the President and Chief Operating Officer of Phillips & Cohen Associates, Ltd. with the same address as Phillips & Cohen Associates, Ltd., XXXX XXXX XXXX, XXXX, DE XXXX ; therefore, I 've sent XXXX correspondence to XXXX XXXX XXXX, XXXX. at above said address and XXXX correspondence to Consumer Financial Protection Bureau, XXXX. XXXX XXXX, XXXX, XXXX XXXX by XXXX by standard mail ; to report this disputed debt and violation of XXXX XXXX Code XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
I received many phone calls from this company security credit systems in regards to a student loan account from XXXX College, I sent letters spoke with XXXX on the phone, I also faxed over the information that this account in under the us department of education, and that I am paying a monthly fee to XXXX who currently has this account, but the phone calls continue, I wish to have this account updated to reflect that this account in fact is being serviced by XXXX, and that payment are being made in a timely fashion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 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: Collection Bureau of America Ltd.
State: VA

Complaint narrative:
An entry in my credit report is for {$69.00} reported by Collection Bureau of America, XXXX XXXX XXXX XXXX, XXXX, CA. I contacted them and talked to XXXX XXXX and informed her that they had the wrong information ( date of birth and ssn ) after talking XXXX, agent at the original creditor ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA ), who told me my date of birth did not match the patient on file. XXXX refused to give me any information about how I could prove my case and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: FL

Complaint narrative:
I received several errors and miss matched info and as well devices not working properly or sent to the wrong addresses, thru the company of first data. As I had to dispute and spend time and money on these mistakes made by the company as well as a return label, thru first data of XXXX XXXX XXXX Nd XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: MO

Complaint narrative:
I have paid the debt and I keep receiving bills and phone calls. The account # XXXX has a credit balance that was to be applied to acct # XXXX. These are XXXX account numbers. The accounts were sent to Receivable Solutions, INC. and both agencies refuse to make the corrections. The name of the rep at RSI that I have spoken with that were rude and condescending. I will go into details once I speak with someone from your office. The reps are XXXX ( rude and condescending ) XXXX XXXX rude, XXXX and XXXX.I spoke with those representatives in XXXX, XXXX, and XXXX On XXXX spoke with XXXX a supervisor that saw the problem apologized and stated it would be corrected. On XXXX/XXXX/16 I spoke with the rudest of all supervisor named XXXX and he told me to send a letter to time relations and he was not going to research the issue and I can not speak to his manager or anyone higher than him. The phone # to RSI is XXXX XXXX XXXX. 
In XXXX I also contacted XXXX billing and spoke with XXXX and he refused to transfer me to a supervisor. He was threatening, rude, condescending. He consistently over talked me, and used abusive and profane language. He gave the phone to someone else that said his name was XXXX the traffic director and he would have XXXX XXXX call me. I have sent a letter with a copy of all documentation to XXXX XXXX the Director of Patient Accounts at XXXX her phone number is XXXX and the account still has not been corrected. I do not owe this bill the hospital owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: First Data Corporation
State: MD

Complaint narrative:
My business sold XX/XX/XXXX. First Data continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form First Data on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to First Data on XX/XX/XXXX. First Data then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.Fist Data would not send a copy. They have now turned this over to a collection agency XXXX XXXX, NY..

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 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc.
State: TX

Complaint narrative:
First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
Had lab work done at doctors office. XXXX XXXX lab did not bill ins co. I have complete coverage. Sent my bills to incorrect address. Never received bills. They did not attempt to get right address. Put bill into collection. American Medical Collections never contacted me at my correct address but attached this debt to my credit report which was flawless. XXXX Notified them the debt was in error but the collection agency will not take it off my credit report for 45 days. This has significantly lowered my score. XXXX will not send me a letter that they made error sending to Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2017-01-30 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: The CMI Group, Inc.
State: IL

Complaint narrative:
Called XXXX verified they sent me a letter verifying this account was closed in XX/XX/XXXX. I sent it to credit Management they changed it on all 3 credit reports only to turn around and change it back to XX/XX/XXXX. This account is from XX/XX/XXXX they are reaging this bill twice now.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I get a collection from a company representing a Cellphone company but I paid my bill in full when I switch with my new company and never received any bills of balance due on anything. I get phone calls from collection agency asking about a bill I do not have any knowledge of. I want the calls to stop and the unjustified bill to be removed and cleared to XXXX balance immediately.

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 2015-09-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I received a collection bill from Credence excellence beyond belief XX/XX/2015 on behalf of XXXX XXXX XXXX. I called Credence because I had never heard of either and wanted to know what this was about. Upon speaking to agent I was informed this was a medical debit for a XXXX XXXX visit for XXXX XXXX XXXX. I informed them I did n't know this person and he kept asking if he was my child. I told the person no and asked how they got my name and address and how could someone go to hospital and use name without I.D . He also informed me this bill was acquired at XXXX XXXX and they could not give me anymore information since I was not the person seen in hospital because of HIPA laws. I told him I had never received a bill from Research and found it laughable that they would quote HIPA and wanted me to pay a bill. After going round and round he finally apologized when I told him I would contact XXXX XXXX and said no further contact would be made. Well yesterday I get another bill for same thing but a yellow slip accompanied the bill stating they made a mistake with first settlement offer and this was a corrected XXXX and told me to disregard letter dated XXXX XXXX, 2015. These people are crooks and a joke. I contacted Research Medical the next day after I spoke with Credence and was told by a person in billing that they never heard of Credence nor XXXX and that they have a list of collection agencies they use, and that there is no debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage approximately 8 months ago. I have had nothing but trouble since. I just mailed my final payment to payoff my mortgage ( including XXXX late fee and XXXX " door knock '' fee that was listed on payoff letter ). They received the payment on XX/XX/XXXX. And even though the check cleared the bank they still have not applied my payment OR returned the XXXX dollars overage that is in our escrow account. This company is a NIGHTMARE and account should NEVER be turned over to 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 2016-12-21 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: The CMI Group, Inc.
State: OH

Complaint narrative:
I have an unverified account from CREDIT MANAGEMENT. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
This is an on-going saga with a home foreclosure that was the result of a divorce. The first mortgage was transferred through several financial institutions and is recently being serviced by Shellpoint. My ex-husband stopped paying on the mortgage years ago and rather than start the foreclosure, XXXX XXXX XXXX sold the mortgage which ultimately ended with Shellpoint. The original mortgage amount when it was originated in 2004 was {$120000.00}. In XXXX, the balance reporting was {$120000.00} and in XXXX the balance is reporting {$150000.00}, a full {$26000.00} more than the principal balance. It seems abusive for a lender to transfer and delay the foreclosure of a property only to continue to accrue interests and fees. I 've practically begged for both XXXX XXXX XXXX and Shellpoint to complete the foreclosure, yet to no avail and now the account is being assessed an additional {$26000.00}. I am at a loss to what I can do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I paid the debt I owed to the collection agency on XX/XX/2016. I called to inform them that the debt had been paid through the actual place I had accrued the debt. The debt company then informed me that they were already taking me to court in an attempt to collect this debt that I have already paid off. They said that they would settle with me for {$400.00} to pay for the legal fees. I told them that I would not pay any legal fees because my debt with them has been paid off. 
I have not received any notice regarding them taking this debt to court other than them telling me over the phone after I had already paid the debt in full. 
I feel that this has been very wrongfully dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JH Portfolio Debt Equities, LLC
State: AL

Complaint narrative:
I do not have a contract with the said company. I have sent validation letter to XXXX back in XX/XX/2016 with the letter being returned undeliverable. Shortly after JH Port started reporting this account with the credit reportinfg agenices.

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