vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
The lender XXXX XXXX from Arvest that 's location on XXXX and XXXX I feel as if she was violating the truth in lending act. She did not disclose to me about the closing cost being more than what FHA allowed so she tacked them onto the settlement statement without telling anyone. She took it upon herself. XXXX was not being ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: NJ

Complaint narrative:
I received a letter from credit protection association on XXXX/XXXX/2016 demanding me to pay {$150.00} to XXXX XXXX XXXX, I contacted credit protection association and inform them ia have no any contract with this company and MY provider of gas and electricity is XXXX only, and I have paid their bills in time update. Further I wish to conform I have not received any arrears of payment or any other letter from the said XXXX XXXX XXXX.

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 2015-12-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: VA

Complaint narrative:
BSI servicing company keeps harrassing me with threats to report my account to credit bureaus and tacking on late fees for a payment they have already received by failed to apply. Please see all attached evidence, statements, and copies of checks cashed. i have emailed and called them several times to remedy this, however their customer service representatives simply have no answers and offer no solutions. My grace period is the XXXX of the each month, my payment is {$110.00} and I always round up to {$110.00}, and I have never had a late payment in my LIFE! I am sick of being harrassed by phone calls from BSI EVERY day ( 3-5 times per day ), EVERY MONTH from the XXXX to the XXXX of the month when I have never paid late! 



BSI acct #

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
Some time prior to the initial incident, XXXX contacted me after I had already made a promise to pay. She contacted me the day prior, then again the day of my pay promise. I asked her not to repeatedly contact me unless I miss my pay promise. Once a pay promise is made and they make contact with me, I do n't believe I should be repeatedly harassed for the payment. XXXX, possibly the XXXX or XXXX, got on the phone with me and proceeded to DEMAND a post dated check. I informed her that I do n't have checks then she said that 's what they have to do. However, I had never been demanded a post dated check at this office. She basically attacked me and spoke to me like I was a child. I felt very attacked. I was then accused of using obscene language with others in the past, which I have never done. She claimed that XXXX expressed to her that I had cursed her out before. I informed her that was a lie. She then retracted and said that XXXX expressed I was rude, not that I cursed her out. During the course of the conversation, I was told by XXXX, " I can go at this all day. You ai n't gon na win, '' then " You just mad cuz I called you out on your mess, '' and " I do n't care because imma be ok after this arbitration, honey. '' She then accused me of speaking to her in such a manner because " she 's XXXX ''. She expressed that I spoke to her colleagues differently because she 's the only XXXX girl in the office. It is my understanding that she is new to the office, therefore, I 've never met her and only conversed with her via telephone. This was actually the first conversation I ever had with her. I had no way of knowing the XXXX of her skin and that is absolutely irrelevant and absurd. Never in my years working with First Heritage Credit have I been harassed, disrespected or spoken to in such a vulgar and obscene manner. Prior to this incident, First Heritage Credit has always been professional, sympathetic with my shortcomings, and willing to work with me to find solutions. It baffles me that they would employ such a negative representation with their company. I am absolutely ashamed of this company at this point and never want to do business with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: DCN Holdings Inc.
State: FL

Complaint narrative:
I received a phone call at work that followed with an email, stating that, " I was to pay {$500.00} for what they called a protection from litigation payment by absolutely no later than today at XXXX ''. Today was the first and only contact made by this collection agency requesting payment from a lawyer I used over a year ago. I paid the lawyer a retainer but never approved him for work beyond that amount and he is asking I pay him another {$1000.00}.

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
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Credit Protection Association, L.P.
State: OR

Complaint narrative:
I got my XXXX call around XXXX XXXX. I was up so answered it. I told the lady she had the wrong person. Now every weekday, I receive a call anywhere from XXXX. to XXXX. I have had at least XXXX of them. I have not received any written mail from this company. When I try to call back I am asked to give a case number that I do n't have, and then can not get to talk to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Office of Brockman & Rollins, LLC
State: FL

Complaint narrative:
I received a voice message that was left on my sisters phone stating they were the processor of the dispatch office and that I am a defendant in legal proceedings and that there is a complaint against me. Failing to comply can result in further legal actions taking place as well as the case going into default status and I need to contact their legal department asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: First Data Corporation
State: CT

Complaint narrative:
I have a small business. I have a merchant credit card processing account through First Data Corporation. Without my authorization, First Data deducted ( stole ) {$14.00} from my business checking account on XXXX XXXX, 2016 for " XXXX ''. When I called First Data on XXXX XXXX, 2016 and inquired about the unauthorized charge, I got a sales pitch for the product, and I was told that I could apply for a refund if I did n't want the product. I was then told that I would be called back in a day or two to discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
constant robo calling

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NBC Management has not disclosed any information to me in reference to a debt they claim I owe. They did not allow the 30 days to dispute or validate this claim. They have harassed my family members and my friends by calling them all hours of the day. They continue to call my old job looking for me. I received a voice message from them basically saying they had legal paper work they needed to drop off for me and if anyone knew any information of my current employer or residency to give them a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
To Whom It May Concern : Unfortunately, in XXXX I submit my monthly payment on time. There was a ussue with my account some had acess my account and did some fraudulent charge I was refunded after the investigation I am asking to please removed that 30 late so that I may refinance the house so I can get a better rate It was an exceptionally busy time and my life as Recently, As you may know, XXXX scores are being used more and more in the selection of prospective job applicants. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope THE MONEY SOUR believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX SOC SEC # XXXX DOB XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-16 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 Credit Services Inc.
State: NC

Complaint narrative:
I am writing this complaint as no action has been taken after having multiple calls to XXXX regarding the calls I am getting from debt collection agency stating I have a pending balance to XXXX. 

On XX/XX/XXXX, over phone, I have cleared full balance and closed the account/membership with XXXX. My bank account statement has the transaction recorded for the same. Despite full payment and closing my account my information was given to First credit service. They have been calling me since XX/XX/XXXX to collect the balance. 

I have made plethora of calls to XXXX regarding the same. Explained the situation every time and every time I have been assured that my account is closed and no balance is pending situation would be taken care off. 

Further, I have been asking for the receipt from the day I made the payment over the phone and subsequently the calls that I have made. Every time I have asked for the receipt I have been told I will receive the receipt in my email. Every time I have confirmed that there is a correct email on account - XXXXXXXXXXXX. However, I have n't received any receipt. 

I have also asked for the receipt to be mailed to my address. I have n't received that. 

Continuous calls from the First credit service to collect debt has become harassment and torture. 

I have also told First Credit service representative over phone that XXXX is not giving me receipt. I told them I can provide bank account transaction detail with reference number and receipt number but they are not accepting that. 

Details for the membership account : Name : XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Payment made by credit card ending XXXX to XXXX NC on XX/XX/XXXX. 

PS : All the calls with XXXX was with membership managers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Global Credit & Collection Corporation
State: DE

Complaint narrative:
The company is called affinity global they were called global credit collections. They keep calling my landline asking for XXXX XXXX who no longer lives here. They got there information from a site that u have to pay money to get that persons phone number and other information. I have sent them a electronic written letter saying for them to cease and desist but they keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
They call at least 11 times daily. calls are from around the country, but they leave exact same messages. So I know it is the same company. It is Receivable Solutions, XXXX. The collection is for medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I filed a dispute with the credit bureau. There is inaccurate information on my credit report. It is damaging and hurting my credit worthiness. I do not have a contract with the collection agency, that is reporting to all three credit bureau. I do not owe this collection agency. They should not be able to knowing violate the Fair Credit Reporting Act by reporting inaccurate information and failing to properly investigate the inaccuracies being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: First Data Corporation
State: CT

Complaint narrative:
First Data company in cooperation with XXXX XXXX XXXX Merchant service scam my medical practice to lease a credit card reader for 4-5 year lease that can not be cancelled. The credit card reader worth XXXX-XXXX $ but it eventually costed me XXXX-XXXX $ to pay the lease. 

At the end of 4 years lease they did not inform me the lease has ended and they keep charging my bank account for outrageous amounts and when I finally found out and wanted to cancel it they created lots of hassles, 5-6 telephone calls, each time holding me for 30-45 minutes to pay off that junk machine after 4-5 years to get out of the lease. 

If you search on Internet there are lots of people like me that were scammed by this company and it must be stopped. 


XXXX XXXX XXXX XXXX, Connecticut

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions, Inc.
State: MO

Complaint narrative:
My partners daughter 's hospital bills were sent to collections in my name. We tried to get it fixed and nothing happened. Legally I do not have rights to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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: Collection Bureau of America Ltd.
State: UT

Complaint narrative:
XXXX XXXX, 2015 : I placed a call to XXXX and advised the customer service agent to cancel my account and arranged for the local delivery driver to retrieve all used 5-gallon water jugs from my residence the following Tuesday. Driver never came Tuesday. Driver came Wednesday and delivered MORE WATER jugs. Placed another call to XXXX advising them to come pick up the water jugs and stop delivering them and advised I would not be paying for the jugs they delivered without authorization. Once again, I was told the local delivery driver would come the following Tuesday and retrieve. Once again, I left the unused bottles and used bottles and storage mechanism out for XXXX to retrieve and once again, they never came. In XXXX 2015, the local Manager called me to advise he would send someone out to retrieve the jugs and storage mechanism. No one ever came and, as I had advised I was going to, I moved from that residence. I removed my debit card from my online account so XXXX XXXX XXXX could not continue to charge me a monthly fee ( this was a month-to-month agreement - no contracts involved ). I discovered today, after checking up on my credit report, that I have a collection against me from CBA Collection Bureau and the source of the debt is listed as XXXX. I do not owe XXXX ANY money, first. Second, XXXX NEVER attempted to contact me via phone, email, or written correspondence to disclose to me that they were attempted to collect this invalid debt. This collection needs to be removed from my credit report and this company should be fined heavily for their negligent practices.

Company response to consumer: Closed
Consumer complaint received 2016-02-12 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: Accredited Collection Service, Inc.
State: MA

Complaint narrative:
I had a tanning package with XXXX, in my contract in stated that if I was to move out of the area where XXXX XXXX is not located I could cancel my membership with no fees. I then moved to North Carolina for college before my contract was up. I have attempted to reach XXXX XXXX management to cancel the account and they will not. They do not return phone calls and are never in their office. XXXX XXXX sent my account to a debt collector who is no help and getting the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OH

Complaint narrative:
They called claiming I owe a debt for lab work. I have not seen the results and my doctor can not get a copy to verify this lab work was done. When I asked for a copy of the bill from the original creditor they stated they do not send any paper work except receipts stating paid in full. They now call several times a day but do not leave messages and when I answer they don ; t say anything. It may be an auto dial or they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
The debt is not reported accurately. Texas state law statue of limitations starts on the day the last payment on the account was made. Referred to as the DLA. The information just reported to the credit bureaus is not correct The DLA is over 6 years old. The Texas statute of limitations is 4 years. Civil Practice & Remedies Code - Chapter 16, Section 004. The debt is outside the 4 year statute of limitations, and I am not liable for this debt. JH Capital Group Acct : XXXX File # XXXX is inaccurately representing this account and is in violation of Texas State Law and I am not liable for this debt. I request their information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
Debt collector claiming to be from an attorney 's office, repeatedly tried to get me to pay a tax debt that I explained over and over was a mistake. He acted like he was going to help me fix the mistake, but did nothing. He lied about submitting my paperwork to the PA state tax department for review ( I submitted paperwork after XXXX and by XXXX he called and said PA Department of Revenue had reviewed - no government agency works that fast! ). He also told me that some items we listed on tax returns were not valid write offs, ie. contract labor on a general contractor 's tax return. When I questioned him about this, he acted like he did not just say it. He called me a liar when I told him a letter sent from the state was not received, and then, even when he stated that the letter was returned as non-deliverable, he still implied I was lying to him. He was very condescending, forceful and deceptive and made me very XXXX about his phone calls. He was trying to get me to pay {$46000.00}. Since I did n't trust that his collection attempts were valid, we checked with the state to make sure he was not a scam artist. We actually owe {$100.00} which we will be paying directly to PA Department of Revenue Pass Through Business office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PMAB,LLC
State: VA

Complaint narrative:
This debt collector has placed this item on my credit file. I was never notified of the debt. We have XXXX different insurances. XXXX, XXXX and XXXX for life. We do not get medical bills. If there had been written notification we could have contacted the insurance companies about this. Usually this is a missed issue by the medical facility that billed.

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 is not mine
Company: North American Credit Services
State: MD

Complaint narrative:
they reported XXXX claims on my XXXX credit file that is untrue

Company response to consumer: Closed with explanation