vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
Today, XXXX XXXX, 2016, I bought what I thought was a prepaid XXXX card to pay a bill online. 

I got home and realized it was n't a regular prepaid card. It was a XXXX branded by a company called " PayPower ''. 

To access the funds and pay my bill, I " activated '' the card ( https : //www.paypower.comXXXX ) and found myself being required to open an account. 

My cash was now locked into the card and I had to pay my bill so I continued the process, intending to pay my bill and then close the PayPower account. 

Once I had paid my bill, I logged back into PayPower. The site showed my payment had been made and was pending. 

So I looked around the site for a way to close the account and avoid any fees. There was no information about closing the account so I tried to send PayPower an e-mail. 

Multiple attempts to use PayPower 's e-mail feature failed. So I called them at XXXX XXXX. 

After a very long wait, I was told a " ticket '' had to be opened in order to close the account and that I could n't cancel the account without also cancelling the pending bill payment. 

I asked about incurring additional fees and was told I would n't if I cancelled within XXXX7 days. When the pending payment clears, I was told to call back to cancel the account. 

I 'm very worried about this. 

1. Why ca n't I just cancel this unwanted account? 

2. How long can my payment be " pending ''? 

3. Why is an " account '' being sold in packaging that describes it as " XXXX Prepaid Card '' in big, bold letters? 

4. Why should I be subject to the threat of additional fees in such circumstances?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
I filed a complaint with you in XXXX against bsi financial.i have a letter stating they corrected the informations and corrected my mortgage payment. I paid per the letter XXXX for XXXX as I have an adjustable rate which changes in septemer the letter that was sent to you to correct the problem seams as if it was just to correct the problem of the mortage payment for XXXX month. I just received a statement showing I know owe XXXX per month.it seams to me they are looking to make me default on the loan .I cant understand why this has changed .this is a company that is very deceptiver ceptive with the practices on my mortgage. I am tired of trying to be taken adva antage of .I will continue to file complaints with you .as you do get results from this company. you can not just call and try to resolve anything with their custom er service..this is such a unprofessional co to deal with.how could they owe me XXXX check # XXXX and then up my payment XXXX $ per month.this com pany should not be in business. 
service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
I have an old medical bill for {$680.00} and I contacted the collection agency and offered {$200.00} for a settlement. XXXX stated that the client will not that. She asked can I do 50 % which is {$340.00}. I told her I can not do that what about {$250.00} she said she will submit that and get back to me. XXXX called me back on XX/XX/XXXX, and told me the client will not accept anything less than {$400.00}. I advised that is not acceptable this is 7 years old as of XX/XX/XXXX I can just wait till it fall off.

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 non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AL

Complaint narrative:
I do not have outstanding debt and recently paid off any debt with collections. The number XXXX has been calling my cell phone numerous times everyday but leaves no message. I googled this phone number and found out that it belongs to a scam Medical Collection Agency which currently has lots of law suits against them. 

" ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' I would like the company to cease any sort of communication with me as I believe this to be harrassment and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
This company had called and threatened coming after my family and I filed a cease communication. Since then they just change people calling all of my family. They continue to threaten my brother, sister, and mother. They called my brother and threatened to find out where I live and constantly harass my family. I no longer live with my family and I have been unemployed. I have been going to college and have been trying to just survive. I wish to resubmit a cease communication again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
Was told by XXXX different people that if I paid the debt in full Amercian Medical Collections would remove the info from my credit report. They have failed to do as promised. I have an immaculate credit report and want to keep it clean. I paid it as soon as I got it. I moved for 2 years and was forwarded the notice from the new tenants. Paper says pay in full and no bad debt reporting. They simply lie to get what they want. You should n't allow these tactics. I always pay my debts and always pay them on time. I think they need to honor their promise and remove this from my credit report. They need to reprimanded for the lies they tell the debtors in order to collect. I paid the full amount and did n't even negotiate the amount because they were going to remove it within 3 days since I paid it in full via their website the day I spoke with them. This is just so unfair. Please investigate their tactics to be sure they do n't scam or lie to others as well. I worked hard my whole life to establish a great credit score and this one bad mark lowered my score drastically for at least 6 months. They ruined my credit because of their failure to keep their promise. Thank you for listening and possibly helping to resolve this issue and protect others from these tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
FALSE COMPANY NAMED " AMCA '' TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CO

Complaint narrative:
I am being called repeatedly, on a daily basis, but there is never a message left. I have googled the phone number and there are multiple complaints about this company not only being a scam, but harassing others as well. I have never heard of the company nor have I ever received written communication from 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 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
I set up a monthly payment of XXXX $ and two months it was taken out of a prepaid card the next month XXXX was taken out of my account and I called to resolve the issue. They send fax my statement which I did about 4 times they never received. I was speaking with a XXXX or XXXX, now another representative calls me to accuse me of lying. She hung up the phone after threatening me while I was asking for the company email or personal so I can send her the proof. Her name was XXXX. I have attempted several time to call her back and no response I also found the company phone number no one answers as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX has been extremely difficult to deal with -- refusing to make changes and even informing the CFPB that they have made changes only to reinsert incorrect information. That is why I know feel that I need to go through CFPB for all issues XXXX. 
XXXX is reporting XXXX hard inquiries on my credit report for a single mortgage transaction. The inquiries come from XXXX XXXX on behalf of XXXX XXXX. 
Mortgage InquiryCreditor TypeMortgage ReportersCreditor NameXXXX XXXX XXXXMDBureau Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 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: First Credit Services Inc.
State: WI

Complaint narrative:
I received a phone call back in XXXX from First Credit Services about a debt to the XXXX XXXX XXXX XXXX XXXX. I had requested a letter stating the amount owed, reason for collection, and what my options are. To date, I have yet to receive this letter. Today ( XXXX/XXXX/2015 ) I received a phone call from First Credit Services attempting to collect this debt. I told the individual on the other line that I would not pay anything until I receive the letter stating what I asked in a previous phone conversation with the company. The individual immediately hung up the line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: FL

Complaint narrative:
Merchant ID XXXXLease # XXXXWe took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants XXXX dollars for the credit card machine which has been sent back to the company within the first 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ

Complaint narrative:
I purchased a pair of shoes from the merchant through a mail ordr catalog, XXXX ) a subsidiary of XXXX. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
A XXXX office enters into an written agreement to accept the insurance payment as complete payment for his groups services. He charged me and my ex wife {$30000.00} for operation and accepted that I will receive what the insurance company pays up to this amount and anything over this amount would go to his office. He has renagged on this written agreement and sent the case for collection to Credit Consulting Services. I provided our contract with the doctor to CSC That should our payment and agreement with the doctor 's office but CSC still keep trying to collect a non existent debt from me and my ex wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PMAB,LLC
State: NC

Complaint narrative:
this was recently submitted to you through this cfpb complaint system and your previous notes were that you were going to remove the account XXXX from cfpb case number XXXX you stated that you would remove the item from the credit bureaus but it is still reporting on my equifax this needs to be removed asap as this is a fraudulent acount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our house flooded and and insurance cut the check to my wife and shell point. We paid everything in full out of our pockets. They came and did an inspection of the completion and still have n't realesed any of our {$30000.00} check. They keep giving us the run around and we do n't know watt else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Continuously calls claiming I owe money to XXXX XXXX XXXX. I have never had a bill with XXXX XXXX XXXX. Refuse to stop calling. Had to block number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Complaint XXXX of XXXX with Shellpoint Mortgage. 
Again another account in which a misapplied payment has led to a foreclosure action. 
I would strongly encourage the CFBP to audit Shellpoint Mortgage. I am also getting calls from mortgage clients that have similiar issues. My office is in XXXX Ohio which has a population less then XXXX. This company has very aggressive collection efforts and flawed software and could pose a risk to injure a lot of consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I am filing a complaint against Shellpoint Mortgage for reporting an account that is not mine on my credit report. The account in question is a Shellpoint mortgage account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my XXXX report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX, which is further proof that it should not be there in the first place. XXXX should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Please note this is NOT A DUPLICATE complaint. It is another complaint on Freedom Mortgage for different violations. 
FM falsely and wrongfully reported me late on mortgage payments to the credit bureaus resulting in a denial of credit to refinance. See copy of email denial below. 
" On XX/XX/2016, at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : XXXX, Thank-you for your on line application. The information on the application meets the guideline we are required to send a loan estimate. See attachment # 1. Unfortunately we are not able to take your application at this time. Your loan is ineligible due to a 60 day late payment and a 90 day late payment reported on your credit report by Freedom Mortgage within the last 12 months. The 2nd attachment contains your credit score disclosure. On page 2 of the disclosure is information on obtaining a copy of your credit report. We are not able to provide you with any additional information regarding the reason or the status on the reported late payments. You will need to contact your mortgage servicer and discuss this information with them. The information is being reported by XXXX. Before XXXX would be able to proceed with an application there can be no mortgage late payments being reported within the last 12 months on your credit report. I am sorry we are not able to assist you at this time. Thank-you. 
XXXX XXXX Mortgage Consultant XXXX # XXXX XXXX XXXX, MI XXXX XXXXXXXXXXXX Phone XXXX Fax XXXX '' FM has not posted payment on the correct dates and places and has not provided a mortgage balance after each payment is posted. The Monthly statements do not match the loan overview. 
FM has violated the policy on your website for mortgage lenders to follow. 
1. Servicers have to give you a written mortgage statement1 each billing cycle showing : What you owe on the current bill, and how much, if any, will be applied to principal, interest, and escrow. If your mortgage loan has multiple payment options, the statement must show whether the principal balance will increase, decrease, or stay the same for each option listed. 
Payments made since the last statement How previous payments were applied Transaction activity ( including any fees or charges to your account ) 3. Promptly credit your payments. 
Servicers have to give you credit for your full payments as of the day they come in. If you pay only part of what you owe, the servicer may hold your partial payment ( s ) in a special account. But, the servicer must tell you about this on your monthly statement. When that special account collects enough money to make a full payment of principal, interest, and any escrow, the servicer has to credit that payment to your account.

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 2015-10-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc.
State: FL

Complaint narrative:
XXXX credit says I owe them money and turned it over to a collector. I do not have a XXXX credit card nor did I ever sign up for one. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: IL

Complaint narrative:
Omni Credit Services continues to call my home phone looking for a someone WE DO NOT KNOW. After numerous requests to stop calling telling them we do not know this person and remove our phone number from their list, THEY CONTINUE TO CALL EVERY WEEK, XXXX. This is considered harassment. 
Our local police department suggested we file a police complaint.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I had a fixed rate mortgage and a set payment of XXXX. Now after my mortgage being sold 3 times it 's now XXXX. Now I 'm late month after month because it 's doubled

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation