vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NE

Complaint narrative:
The debt collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the XXXX XXXX XXXX XXXX day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe XXXX XXXX XXXX XXXX ( or any entity acting on behalf of XXXX XXXX XXXX XXXX ) a debt. Consumer disputes owing XXXX XXXX XXXX XXXX a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay XXXX XXXX XXXX XXXX anything. There is no payment history, nor products, or services that have been rendered to XXXX XXXX XXXX XXXX, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if XXXX XXXX XXXX XXXX chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with XXXX XXXX XXXX XXXX. Consumer of this complaint will not engage in contact with XXXX XXXX XXXX XXXX based on violations of the FDCPA, false misleading contact by XXXX XXXX XXXX XXXX. If XXXX makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against XXXX XXXX XXXX XXXX and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-01-19 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
LoanMe is reporting erroneous late payments on my credit file and I would like them to update their information accordingly. I made payment arrangements for the end of XXXX, 2015, however there was a miscommunication and my bank account was not charged until 8 days later, on XXXX XXXX, LoanMe made an unauthorized charge to my bank account for twice the amount we had agreed to pay. It appears that LoanMe is penalizing me with late payments being reported to the credit reporting agencies every time I made a payment arrangement with them. Had they communicated to me that a payment arrangement would have resulted in a late payment I never would have agreed to the payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
Tried to load my prepaid card using the reloadit pak on the website given and constant technical difficulties, customer support was terrible and they saying a refund is 30 days, i need my money as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: NY

Complaint narrative:
I have been without a job for five months and I am trying to make ends meet, I have a counselor whom is trying to help me and the lender, 21st Mortgage, says that I can pay a lower amount for certain time but they keep sending me regular bills eventhought they are acepting the lower payment and I dont believe they are doing it in a good faith, my loan has gone thru problably more than XXXX servicers and there are a lot of things that are not right. They keep telling me that my loan can not be considered because I was in a 2008 bankrutpcy and I included the mortgage on it and I had a XXXX allready but, again, something wrong with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HOMESTAR FINANCIAL CORPORATION
State: FL

Complaint narrative:
I obtained a mortgage from Homestar Financial Corp. for {$60000.00} at 3.5 % interest rate. The loan number was XXXX. I made my first payment of {$31000.00} to pay off part of the mortgage on XXXX/XXXX/2016 to Homestar. 

They cashed the check on XXXX/XXXX/2016 and applied only {$660.00} toward the mortgage and then sold the mortgage to XXXX ( account number XXXX ). The balance transferred to XXXX was {$59000.00}. This balance clearly failed to reduce the amount by the additional {$30000.00} they had cashed on XXXX/XXXX/2016. 

After I received the XXXX statement in XXXX and saw that clearly that the bulk of the XXXX payment had not been applied to the mortgage balance transferred to XXXX. I called Homestar and they always transferred me to " XXXX ''. 

XXXX never answered her phone and XXXX or XXXX messages went unanswered. Finally, I told the operator at Homestar that I needed to speak with someone other than XXXX. I spoke with XXXX XXXX and she was helpful in getting us answers even though it was not her Dept. Shortly afterwards we received a called from XXXX at Homestar who did n't know what happened. She finally tracked it down and and called back and told us that she had not known " what to do with the rest of the XXXX after subtracting the XXXX XXXX payment ''. This was now XXXX. She said she would mail it over to XXXX. The additional {$30000.00} ( the remainder from the {$31000.00} we sent on XXXX XXXX ) finally did arrive at XXXX and posted on XXXX XXXX. 

The issue is this. XXXX feels like Homestar did nothing wrong. I pointed out to her that from XXXX XXXX to XXXX XXXX I had to pay 3.5 % interest on the XXXX that I should n't have had to and asked to be compensated. XXXX insisted Homestar did nothing wrong. I then called XXXX XXXX at Homestar and asked that someone from Homestar besides XXXX contact me to discuss this issue. That was on XXXX. As of today, XXXX XXXX, no one from Homestar has contacted me to address this issue. Their lack of reasonable response has forced me file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
My mortgage was sold to BSI Financial ( aka Servis One ) in XXXX 2015. Since then I have asked for XXXX modifications and was denied. Now they have stopped paying my homeowner 's insurance and taxes and have significantly increased the reported balance of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P.
State: DC

Complaint narrative:
This complaint arises out of a dispute I sent the collection agency after finding out inaccuracies in my credit report. To date, they have not sent a response to validate the debt. I believe this debt to be not mine but rather was obtained illegally ( identity theft ) by someone who used my name and social security number to obtain cable services. I have another complaint filed with another collection agency for the same original creditor ( XXXX ). I would like to get a copy of the original bill from the creditor so that I can move further with disputing the debt. Attached is the letter ( with attachment ) I sent to the collection agency.

Company response to consumer: Closed
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Finance System of Richmond, Inc.
State: GA

Complaint narrative:
I received a notice dated XXXX XXXX, 2015 in the amount of {$2100.00}. from Finance System, Inc. I called and asked what this was for and was told XXXX XXXX XXXX referred me ( for a bill I never received from XXXX ). I sent a cease and desist letter and got a letter back stating they have verified my address and the amount I owe is {$2100.00}. I have no clue what this amount is derived from as the XXXX XXXX never sent me a copy of a final statement. In a letter dated XXXX XXXX, 2015, I received a letter from Finance Systems indicating they are attempting to collect a debt and If I did not pay it they would have no other choice than to contact an attorney and sue me, having my wages garnished. I have also contacted Better Business Bureau and Governors Office of Consumer Affairs and this morning sent a final cease and desist letter to Finance Systems, sending copies to the FTC and Insurance Commissioner of Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Got behind in payment, the property went into Bankruptcy. the lender got relief from stay. Now I 'm able to bring the loan current, lender/servicing company will not sent escrow or my self reinstatement and the sale date is XXXX/XXXX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: MA

Complaint narrative:
Attorney XXXX, XXXX, XXXX XXXX representing XXXX XXXX XXXX/BSI Financial Services has file a Servicemen Civil Relief Act Complaint to proceed to the foreclosure sale of my home located at XXXX XXXX XXXX, XXXX, MA XXXX. The entity does not have the right to foreclose on my property. In a letter sent to the company in XXXX 2015 at BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX I requested the company to provide evidence that the company has a lawful and rightful claim against my home. No answers were provided. The company 's action violates consumer finance protection laws that the Bureau was created for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX Credit Allocation Check which is at least enough or almost enough to pay this debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
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: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Previous case number is XXXX. 

Blackhawk Network Holdings Inc owes me {$5700.00}. I submitted all necessary information on XXXX XXXX, XXXX to receive the refund owed to me and I have the email to prove it. They claimed to have sent me a check on XXXX XXXX, XXXX which I have not received. After filing a complaint with the CFPB, on XXXX XXXX, XXXX, they stated they will reissue a check and I should receive it in 7-10 business days. I have not received it. Furthermore, I called today ( XXXX XXXX, XXXX ) and confirmed that the last time they issued a check was on XXXX XXXX, XXXX and that the case has been closed. This leads me to believe Blackhawk has been deliberate in not sending me the funds owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P.
State: MD

Complaint narrative:
I have noticed a new collection account on my credit report that -- I have attempted to contact the company Credit Protection Association ( XXXX ) and have been unable to contact anyone on the phone. All of my accounts are current and I am unaware on any outstanding credit issues. I am a XXXX employee and I am concerned with an account that may have been opened due to the XXXX data Breach.

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 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/2017, I was notified by a company that was conducting a background check for pre-employment. The HR manager informed me that a third party responsible for doing their background checks found that my social security number and date of birth were also coming up under XXXX other individuals. They started that I needed to clear the mix up before moving forward. The names that appeared were provided to me and documentation was also sent. The names that appeared are as follows : 1. XXXX XXXX XXXX located in Louisiana 2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
BSI Financial has not fully answered questions, notices, requests and concerns brought up by me and my attorney. My attorney has requested several times that all sale dates for my property cease while we look into BSI 's responses to my initial concerns and that they provide proper documentation of their alleged right to foreclose. But they have not stopped foreclosure proceedings or stopped the sale date. I have brought up concerns regarding defects in the chain of title, assignment of the deed of trust with the wrong information, robo-signatures on several recorded documents, however BSI will not respond to these concerns. My attorney and I have asked that ALL foreclosure proceedings and sale dates cease until ALL MATERIAL VIOLATIONS THAT HAVE BEEN DETECTED ON ALL RECORDED DOCUMENTS BE CORRECTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I currently do not have any outstanding accounts. The debt collector 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The only information provided about the creditor is : LVNV Funding LLC and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Continental Finance Company, LLC
State: CO

Complaint narrative:
I get repeated daily calls from Continental Finance on my cell phone from XXXX. The hang up when I answer. I owe nothing to them, or anyone else. I have never done business with them. The harassment must stop.

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 2015-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: GA

Complaint narrative:
I have recieived many ( about XXXX in the last two months..sometimes from a listed phone number, sometimes from a non listed number ) threatning phone calls from " Concord Resolution Debt collection Agency '' In Attempt to collect a debt I do not owe. I have been treatened that I will be arrested, I will have my wages garnished, and I could loose my job. I have called this company several times at the number listed below and spoke with XXXX. I told her to stop calling me and to take me off the call list. 
The phone numbers is XXXX XXXX XXXX my " reference number '' is XXXX Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXX which is XXXX of those credit bureau is practicing unethical business example. They have also failed to provide copies of form of ID used for opening such service from this so-called shady collection agency. I Sent out debt verification request ( XXXX, {$530.00}, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ) to the shady collection agency " XXXX XXXX XXXX XXXX They have failed to provide such proof within the 30 days of timeframe, then again, it makes seem like this wrong charge has been sold out by another shady branch of theirs collection agency called ( " RESURGENT CAP '' XXXX XXXX XXXX # XXXX, XXXX XXXX SC XXXX ( XXXX ) XXXX ) Both Transunion and those bogus and shady collection agency have failed to provide debt verification and keep posting wrong charge information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XXXX is more than 7 years old and was supposed to be removed from my credit report. someone must have shared or bought some information because that debt should have been removed and it was not.

Company response to consumer: Closed
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Collection Agency were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with XXXX, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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: MRS BPO, LLC
State: IN

Complaint narrative:
I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have been trying to refinance a current loan with the same credit union, the process began on XXXX/XXXX/2015 and I am still trying to close ; I have responded to all requests in a timely manner - with the exception of a request for association condo insurance coverage, which finally got resolved. I feel that I am getting the run around and I do n't know why, I am now responsible for charges of over XXXX dollars regardless if the loan is processed or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe. It appears a debt discharged in bankruptcy or otherwise not mine is attempted to be collected upon. Interogation of my XXXX year old mother has her very upset. I do not owe any debt to XXXX XXXX XXXX XXXX or any of the zombie debt purchasers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I disputed the collections that LVNV Funding LLC had reported on my credit report. As a result they were removed by LVNV, but less than 48 hours after they were removed from my credit report, LVNV placed them back on my credit report. LVNV reported this as NEW Collections. It is not new collections it is the same that was placed on my credit report before.

Company response to consumer: Closed with explanation