vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: WA

Complaint narrative:
I was contacted by Phoenix Financial Services LLC stating that I owed a debt that was closed over a year ago. I informed them that the debt was paid in full and requested information to forward them proof of debt paid. While I was waiting for the XXXX balance letter and copy of account paid from the original creditor, I submitted a photo of my bank statement showing proof of payment. They did not contact me again until the 30 days was up, or request any other kind of proof. They then attempted to contact us again saying that it was a valid debt. We were advised by the original creditors that Phoenix Financial Services LLC is not a collection agency that they use for collections and that more than likely they were attempting to fraudulently collect information. When I informed them of this information they became combative and told me that the debt was valid and refused to give me information from the company that was requesting the debt paid. I forwarded them the additional documents proving that the debt was paid in full, and they responded by reporting to the Credit Bureaus as a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
Western Union is refusing to release funds of a money transfer and has given no good explanation other than " needs further validation ''. We, sender and receiver, contacted customer support repeatedly, even provided a letter from bank attesting that funds were released to WU on schedule - but not to avail. I attach the email from the money sender to WU with relevant details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: P.S.C., Inc
State: WA

Complaint narrative:
XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Please forgive me for not remember exact dates. 

Sometime around XXXX XXXX, 2014, someone had gotten my debit card number. They then used this number to order food from XXXX. I was completely oblivious to the fact at the time. Both my income and my fiancee 's income were going into the same bank account, and we both had debit cards on the XXXX account. Meaning lots of charges were made each day ranging from {$3.00} to $ XXXX. I rarely checked the actual statements, just the balance from my mobile app. 

The person first started using this card on XXXX XXXX, 2014. They used it sparingly at first, every couple of days. Seeing around {$20.00} every couple days was not a red flag for me, since we were both using the cards every day. This went on for four months. Sometime around XXXX XXXX, when the person was full blown ordering XXXX a day, sometimes XXXX, I noticed that the amount I could have sworn should have been in my bank account was much much lower. So I investigated. I saw these XXXX charges ( see the XXXX pages of charges attached ) and immediately asked my fiancee. He was not ordering from that website. I called the bank and told them to cancel the card and file a fraud statement, I called XXXX, and I also went down to the police station to file a police report. A few days later I check the account again, more charges from XXXX. The bank had failed to cancel the card like they had stated they did and more charges were made. They finally cancelled the card and the last charge from XXXX was made on XXXX XXXX, 2014. 

So, After much hassle I fill out and mail in the affidavits for the fraudulent charges and wait some months for the funds to be put back into my account. The total amount of fraudulent charges made was {$1500.00} ( see attached sheet of replaced funds ). I start seeing charges being refunded, but not nearly as many as there should be. So I called the bank again and they told me something shocking. They will only replace the charges that were made within 60 days of the FIRST fraudulent charge. Meaning, they refunded {$610.00} and I was out {$920.00}. They would n't even refund the charges made after they were supposed to have " cancelled '' the debit card. How is this fair practice? I called many times after demanding to speak with a supervisor and they all told me the same thing. This is absolutely unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: MD

Complaint narrative:
I requested a detailed verification of a debt I was not familiar with. I sent the letter and was sent a response that was not sufficient for me to be able to identify if the debt actually belonged to me. I did not get any satisfactory answer after their initial response.

Company response to consumer: Closed
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
We refinanced in XX/XX/XXXX, after being told that they could help us refinance and then after a year we could get a better loan, when our credit was better. Well it is XX/XX/XXXX and our principal has gone from $ XXXX to $ XXXX, we had XXXX modification, but it did n't change the " terms '' of our loan and because the investor ( XXXX XXXX XXXX ) put a clause that the loan could only be modified once, we ca n't get help with HARP or HAMP. This was an interest only ARM loan and now our interest rate is 12 % and our payment is over $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MS

Complaint narrative:
I received a payday loan from cash central. When the company tried to debit my checking account, I did n't have the funds deposited and it went back as NSF. I got an email from cash central asking me to schedule a day for the original amount ( {$230.00} ) plus a fee for the NSF bringing the total to {$270.00}. I arranged payment XXXX/XXXX/2016 for a payment on XXXX/XXXX/2016. Cash central instead pulled {$270.00} from my checking account on XXXX/XXXX/2016. The payment cleared because I had the funds to cover it. The company then again withdrew {$270.00} on XXXX/XXXX/16. When I sent screenshots of my bank account showing XXXX payment as cleared and XXXX as pending and a phone number to my bank ( XXXX bank who said that cash central could call to stop the pending transaction ), cash central refused and said I would have to send them proof once the second payment had cleared for {$270.00}. A customer service representative also told me on the phone that the company had no way of telling if the loan had been paid or not and I would need to prove both payments. All my correspondence happened with cash central on XXXX/XXXX/16. 
I am going to XXXX today to get a print out with their requirements to prove cash central took this payment twice but I do n't feel like I should have to prove that this company has stolen {$270.00} of my money. Their accounting is flawed or they simply want to steal people 's money b

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 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: Sklar Law LLC
State: NJ

Complaint narrative:
No court showed any judgments. Judgment was removed off credit report on XXXX XXXX. I did n't even know a judgment existed! Was never even notified! They wiped out my bank account and took 100 % of my money. I was on a payment plan with Sklar Law. I had a baby and told them due to FMLA, it was not paid. I contacted them in XXXX XXXX and temporarily stopped my repay plan with them agreeing i would return. In XXXX XXXX, i went back to work and called to restart my repay plan. They denied and hung up on me. I called in XX/XX/XXXX, same issue, they denied to restart my repay. Never told me anything on any judgment, nor did i ever get any mail. i hired XXXX to help my credit, then all of a sudden, Sklar Law took my money a few months later. I called again on XXXX XXXX, XXXX and was cursed at and huung up on 7 times! I called the court administrator and she said they never told her i was on a repay plan. After numerous calls, they finally admitted that i was on a repay and stopped it. The court administrator supervisor said she was going to call me. Due to XXXX, i had to leave the apartment complex i was in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I am trying to modify my mortgage and I need assistance because my lender is not trying to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
1. Wester Union have money transfer program from a Bank account to Bank Account for no charge but it never works. 
2. Alternatively you will pay {$5.00} for money to be picked up at Western Union. Once I did that it put money on hold, and is asking for receiver scanned photo ID, which if I knew before committing to transaction would have canceled it. Now Western Union will not cancel the transaction without a written letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I have recently made a transaction on XXXX XXXX. The receiver in XXXX informed me she has not received the money yet. I contacted western union and they told me that the transaction was declined and the refund will be made within 7 business days. After 7 business days i called for the follow-up, they told me there was an issue to the refund, and asked me to wait 7 more business days. After a third 7 business days, i called them again and the agent asked me to wait another 7 business days. They told me the same thing for the fouth call. Today, i call them for the fifth time, and they still ask me to wait 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
Absolute Recovery Service has been resubmitting false information to the credit bureaus regarding an account I had with them. Every time the bureau delete this company off my report for inaccurate information or failure to respond in a reasonable time, Absolute Recovery Service would then unlawfully report similar information. I have proof and documents proving that this company has been tampering with information on more than once occasion, going as far as to changing year to date information. Under the Fair Reporting Credit Act that is not legal for a company to do so knowingly and willingly to a consumer. This company has done this on XXXX occasions. I have spoke with someone at Absolute Recovery Service and they refuse to correct the information. This collection company has added over {$500.00} more in unknown charges to the original amount said to be owed by the creditor.

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 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: VA

Complaint narrative:
Today I was at work and a person named XXXX called my job to talk to me about debt that is owed to Millennium Financial. I told her I was currently at work but she demanded that I discuss the debt immediately. I then asked for her phone number and she proceeded to give me the phone number but then demanded that I call her by Monday XXXX XXXX I thanked her for the information and she hung the phone up on me. Her tone during the call was unprofessional and did call the number back to file complaint with her company. I also asked for them to never call my job again and that she never contact me regarding this issue. Millennium Financial and a company named XXXX are attempting to collect on this same debt and I do not feel comfortable discussing it with 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 2016-02-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
Constant phone calls on my job. I have verbally ask them not to and my boss has complained about it to me. Effecting my work status. -- -Cash Central. Calls have also been made to friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
I was working for XXXX XXXX and moved some stacks of newspapers on my counter. I lifted a stack and moved the wrong way and I got a sharp pain down my arm. After that I could n't move it and I was in a lot of pain. My manager, XXXX at the time drove me to XXXX and stayed with me and went in the room with me when my name was called. After examing my arm she asked if it was a workman comp. Situation and the Dr. Said yes. We went back to work and I had to fill out papers with her because I could not write, for the forms for workman comp. After that I left her office and got driven home. I thought it had been paid and now I see it has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA

Complaint narrative:
I had a loan back in XXXX with first Virginia loans. The loan has been paid off in full with bank statements for proof. Well as of XXXX they are saying my loan is in default and I have n't made any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: P.S.C., Inc
State: WA

Complaint narrative:
I work at XXXX XXXX, XXXX WA. About a month ago I received a phone call at my bosses office phone XXXX from XXXX Police. I was informed that there was a woman waiting for me and I had an appointment with her. I informed them that I had no appointments and did not know the person there. XXXX Police put the woman on the phone and she told me she was from Puget Sound Collections and wanted to meet with me. I told her on the phone that I was not allowed to receive calls at work and could not entertain her. I asked her to contact me at home and we could work out a solution to whatever problem there was. I then asked her not to call me at my work place again. I heard nothing from this company for about two weeks, until I received another call from them, again, at my workplace. I got there contact information and gave them mine and told them I could not receive phone calls at work and could they please stop and contact me at my home. I received a verbal warning from my supervisor about personal calls at that time. I had not heard anything from this company again for about XXXX weeks until today. I was at work, XXXX, XXXX. It was about XXXX when my supervisor came out to our jobsite and gave me a phone message that came into his office during the day shift. The message had my name on it and was from someone named XXXX from PSC, saying that they would be in the office until XXXX. I received another verbal warning from my supervisor about personal calls and was informed that if it continued I would get a written letter of warning. I feel that I am being harassed on my job and it could jeopardize my job. I also feel that this company contacting another shift supervisor could also impact my job. I have told the people from this company to please not call me at my work, but contact me at home and I feel that they are purposefully ignoring my request in an attempt to shame or embarrass me into paying. If they would contact me at home I am more than happy to discuss whatever bill they have and if it is legitimate then I will work out a payment plan with them, but if they continue to ignore my requests it could put my job in danger.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: P.S.C., Inc
State: WA

Complaint narrative:
I have recently learned that I have become a victim of identity theft and my social security and date of birth has apparently merged with another person. Because of which multiple debts and accounts have been now established with my information as my owing these creditors. XXXX of which is Puget Sound Collections. They are currently reporting to the credit bureaus that I have outstanding debts to them or their clients under a different name than my own. I have since disputed these accounts via all ( XXXX ) credit Bureau reporting entities and felt it important to also follow up utilizing this forum to help expedite the process in correcting this information and subsequently deleting my information from their records permanently.

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 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
XX/XX/2014, I refinanced my mortgage on a rental property. Because of delays in the loan process by the lender, the close was delayed. This was at a time when my previous mortgage servicer was paying taxes. Taxes were escroed in the new mortgage to pay off taxes due in 2014. Taxes were paid by the old mortgage and the new mortgage company and were refunded to new mortgage. I raised the issue to the new mortgage company and they let the 3rd party closing attorneys know what was going on. I was refunded different amounts to reimburse for taxes that were described as " Double Paid ''. A {$290.00} tax payment was not paid on my behalf. I was not privy to this non-payment. Loan Depot was made aware and paid after penalties and fees were applied. I was not aware for more than a year later when I investigated why my payment changed so abruptly. I have asked Loan Depot to reimburse me for the amount paid in fees and penalties on my behalf without my knowledge ( {$220.00} ). Loan Depot has ignored my request and never responded to my inquiry.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 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: BYL Collection Services
State: NC

Complaint narrative:
I applied for an apartment at XXXX but my application was denied for an apartment. I received a letter stating I was not approved. The apartment complex is saying I owe administrative cost because I was approved and did not move in. I have forwarded the debt collector my letter where I was denied and they continue to try to collect and the apartment complex wo n't remove the debt either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I recently attempted to purchase my dream condo with the lender USAA. Consequently, the lender refused to honor both a verbal and written 45 days " Lock-In-Agreement. '' Instead of honoring the agreement, the company attempted unsuccessfully to change the terms. They increasingly became irritate about the situation and started falsely accusing me of not providing the information that they requested in an attempt to get out of the agreement. When that attempt did not work, they instructed me that I need to withdraw my application -- an application that they later admitted did not exist. I was unsuccessful in my goal to purchase the condo due to the company refusal to honor the " Lock-In-Agreement. '' Is there anything that I can do about the situation other than just complaining to your organization or suing? Please help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation