vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: TX

Complaint narrative:
On XXXX XXXX, 2016 at about XXXX I was having breakfast with my son and his family. I got a text on my phone of a XXXX charge. I called netspend as soon as I saw the text because I hadnt authourized this charge. The rep I spoke with was nice she advised me there were 3 pending transaction adn asked me several time which of the 3 did i not authorize. I told her. At that time she stated she would be cancelling my card and sending me a new one. I asked this rep over 5 times if my new card would have the XXXX taken off it and she stated no that all the funds would be availabe once my new card came I explained to her that 2 of the charges were mine and i didnt want problems with those companies. again she stated dont worry im cancelling your card so it is a pending transaction and you will be fine. I told her my rent was due soon and I need to pay it. again she assured me and the restuarant ( i had my cell phone on speaker and was upset so everyone could hear my call ) i asked to have the card expedited and she said she would without a fee. Card arrives about 3 days later. XXXX is gone and XXXX expedited fee is gone. i contact netspend and was tld just the opposite of what i had been told by the rep who said since it was pending that it would not be taken. this rep said the mone was released to the merchant 2 days after my card was cancelled and now i have to file a dispute to get it back, i am so frustrated and all calls to the corp office are returned to me by robotic people who just talk from a script. I have seen that this apparently is a common practice of this company and something needs to be done. i have filed a complaint with XXXX but since they are so large no one seems to do anything to stop them, I need my maoney and now they told me that they would have an answer for me by XXXX on XXXX. i didnt authorize this charge. im told they have to make sure they go by the guidelines of regulation e. i need my mone im XXXX on a fixed income and have had to borrow to get thru the month due to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
this debt just appear out of nowhere on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I applied for a card from paypal prepaid XXXX ( issued by XXXX ) and was indeed issued a card. However, when I went to activate the card online, I was informed there was a problem with my account and directed to call customer svc. The woman on the phone told me that I was not eligible for an account with them and when I asked for a reason I was told " we can not give a reason ''. I asked whom I could contact for a reason but was told that no reason can be given and I can not contact anyone who can tell me why I was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I have health insurance that would have covered this debt. It should have went to insurance after I paid my co-pay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: Filaport Acquisitions
State: MN

Complaint narrative:
Yorkshire Acquisitions Group has been leaving threatening voicemails, making false claims, and calling me, my family, and my employer at an excessive rate. Side note, they have XXXX separate addresses ; XXXX was given to me in a settlement letter and the XXXX was given to obtain my credit report. The XXXX address is a XXXX. The XXXX appears to be an empty office space. The original debtor does not have record of the debt and neither do I. This place claimed to have sent summons to my employer, but encouraged me to not obtain it and just directly settle with them. They were willing to settle for an amount they verified as an amount I had on a recently opened credit card, but demanded it in 24 hours. They spoke to my husband and said they 'd see us in court before hanging up on him. They implied I 'd lose my home and stated my address, but continually said they were taking documents to my employer. Today they 've called me 4 times today already, called my employer twice, my husband once, and my parents once. They requested information from my credit report as well. I 'm terrified these people wo n't stop harassing me or attempting to steal my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CERTAINTY HOME LOANS LLC
State: GA

Complaint narrative:
I was using an agent XXXX and they were telling me I needed to use XXXX with Starkey Mortgage to get my loan. I asked the agent why I had to use them and I was told that the loan officer pays their marketing costs. It sounded fishy to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I was contacted by Amsher Collection Agency via phone. I verbally requested the details of the debt mailed to me. The caller requested my credit card information after refusing to give me any details, stating only that this was for a previous debt and that I had already received written communication. I stated that I had not received any form of written communication showing I owed a debt, but that I would definitely pay if I truly owed anything. I again requested the details of the debt mailed to me, only to have the caller insult me and demand my credit card information. I once again requested the details of the debt mailed to me, requested that my phone number be put on their " do not call '' list, and disconnected. 
I have been receiving XXXX to XXXX calls a day, Monday through Friday, from Amsher Collection Agency. I have sent XXXX certified letters requesting the details of the debt as well as placing my phone number on their " do not call '' list. The harassment from Amsher Collection Agency has not ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: VA

Complaint narrative:
On Monday XXXX XXXX, 2016, a man approached my front door. He took a photo of my front window with a tablet and left a yellow envelop with a notice, to contact Selene Finance at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: MORTGAGE CAPITAL ASSOCIATES, INC.
State: OR

Complaint narrative:
XXXX XXXX, XXXX # XXXX, Mortgage Capital Associates, Inc. XXXX XXXX XXXX. 
Changed the lender credit to {$500.00} from {$1500.00} for the HUD statement from the title company before closing on a 15 year refinance. This is a {$1000.00} drop from the last updated disclosure. 
They were slow in setting up an appraiser, did not set up an appropriate lock timeline given XXXX hot market, asking for papers that could have been supplied early on in process beyond the lock date. 
The claim that there were extra costs and delay because of the subordination notice. This subordination fee was already included in the dated XX/XX/XXXX detail. The appraisal was also competed before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: TX

Complaint narrative:
I have been ordering a payoff statement from Selene Financial since XXXX XXXX and still have not received it. I need the statement to complete my refinancing. Today ( XXXX XXXX ), Selene told me it would be another week ( 5-7 business days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
TCPA Violation- Multi calls, XXXX with voicemail left, from an automated caller. ( AMSHER COLLECTION SERVICES INC ). 
Copies of these voicemails are available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: MA

Complaint narrative:
House is scheduled for foreclosure XXXX XXXX, 2016, the foreclosing lender is not in the chain of title for this alleged loan and in fact it appears that the alleged loan and mortgage or invalid. Attempts have been made to resolve the problems with this current " stranger Lender '' but they simply refuse to cooperate. They have never attempted to resolve the debt, make attempts to restructure or otherwise work with the homeowner. Additionally this is an 80/20 loan and the homeowner never received the 90 day letter or any other statutorily required opportunities to resolve this alleged debt.

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 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: FL

Complaint narrative:
This incident started XXXX XXXX with XXXX XXXX XXXX, I was for a loan modification that my daughter had applied for to reduce her interest rate, my husband is a cosigner on the account so it has directly impacted him. During the time of the loan modification XXXX XXXX XXXX sold the loan to Selene Finance, which in turn took until XXXX of XXXX to complete. In the mean time she was making all payments as requested by XXXX XXXX XXXX, completed the trial period of restructured payments assigned by XXXX XXXX XXXX to redo the loan with a lower interest rate on XXXX of XXXX. Since then she has been getting late notices and has been put in the credit bureau for non payment due to the change of payments made by XXXX XXXX XXXX and XXXX XXXX, the amount of payment were changed by the bank from {$930.00} to XXXX, but during the course of the transition between banks and them modifying the loan it took a year and them holding the payment in an unapplied funds account causing credit damage to them and my husband. We are still fighting with them and the credit bureau to fix this matter, my husbands score went from excellent XXXX to fair XXXX, he closed a business down with perfect credit and now due to the lack of concern on the banks concern has had his credit ruined due to someone not being able to do there job. We do hope you can help rectify this matter. 
We will be glad to send you all documentation to support this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: TX

Complaint narrative:
Selene Financial bought my home loan and are now the servicer for the loan. They have promised me a loan modification without any resolution. They have send a anonymous person posing as a real estate agent taking pictures of my property and providing me no proof of anything or paperwork. The so called agent or spy as I would want to call them took pictures inside my house and of not just the property but also of our personal pictures on the wall. They do n't tell you why they are there just to evaluate the property and Selene does not even give you a notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RevMD Partners, LLC.
State: AZ

Complaint narrative:
My XXXX is XXXX years old and not capable of entering into a legally binding contract. I handle his finances for him. All of a sudden his credit score as shown on a credit card statement has dropped XXXX points. I suspected Identity theft and contacted all of the credit bureaus. 
The XXXX XXXX report shows XXXX adverse collection accounts from " REVMD Partners '' with no other information. I have never heard of these people, there has been no collection activity, and no communication of any type from them, written or oral. 
Dad does not owe anyone any money and this is clearly an attempt to XXXX by holding their credit report XXXX. 
We need to protect our XXXX citizens, and in this case an impaired veteran from XXXX. Totally intolerable. 
And I was so upset when I got this information that I was quite upset and awake all night with night sweats. 
These people should not be allowed to do this and instead should be making license plates or pounding big rocks into little rocks, if you know what I mean.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XXXX United Revenues was sent a request for validation of debt. On XXXX the debt collector sent correspondence that was not sufficient to my request. On XXXX another request was sent to the debt collector regarding the alleged debt. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt with sufficient documentation and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.

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 — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Portfolio Recovery, LLC
State: CA

Complaint narrative:
I continuously receive calls from Global Portfolio Recovery claiming that they access to my social security number with a claim against me that I owe on a debt that I am unaware of. They call my work and cell constantly! It gets to the point that I need to put my phone on silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 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: North Shore Agency, LLC
State: KS

Complaint narrative:
I could n't say who the debt is for but they are trying to collect on a debt for a magazine that not only I never ordered but never really wanted to read in the first place. I have tried to contact them but it is impossible to ever reach a real person to tell them to stop mailing me! I Do n't read magazines period!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions ( a third party collection agency ) has obtained information that may be mine through XXXX without my consent or knowledge and it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Greenback Recovery Group, LLC
State: CA

Complaint narrative:
She said I 'm under final legal review and will give you a state mandated notice of intent. Should you wish to face your accuser and have a right to give your personal input. The lady that called said her name was XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC
State: PA

Complaint narrative:
I had residential wireless service with XXXX XXXX. Due to the frequency of my paycheck, I normally paid half my bill in the first 30 days post billing, and the remainder in the next 30 days. My contract ended with XXXX in XX/XX/XXXX. As per usual I paid half my bill within the first 30 days, and planned to pay off the remaining balance in the following 30 days. However, XXXX XXXX charged my account off into collections without properly notifying me of such. Further, the balance that was sent to North Shore Agency was incorrect and did not reflect a payment I had made on the account during the first 30 days post-billing. North Shore sent me an initial notice demanding payment of {$130.00}, which was incorrect. Since I was unable to reach North Shore during their very limited ( XXXX-XXXX M-F ) business hours, I went to their website to dispute the debt. I never received any notification from North Shore that they had processed my dispute and have not received any validation documentation in the mail. It has been two weeks. 

I have paid this entire balance with XXXX. North Shore should be held responsible for its failure to adequately ensure the balances they agree to collect are accurate, and for their inability to process a consumer dispute and request for validation, especially in light of recent rulemaking released by the CFPB intending to curb just such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Couch Conville & Blitt LLC
State: TX

Complaint narrative:
I never received any documentation that the debt was sold or given a right to dispute. The item was parked on my credit and when i contacted them the only option they gave me to resolve this was to pay it. I tried to explain the debt wasnt mine and that I would be willing to settle it out of DESPERATION ONLY. I offered XXXX which was accepted and then never processed. I have since called them 37 times. Their legal representative XXXX XXXX XXXX refuses to return my calls. I NEED THIS ACCOUNT DELETED immediately as they are clearly PARKING it on my credit and not allowing me the opportunity to resolve this VOLUNTARILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
My daughter went to the XXXX after a wreck she was in with me. She currently has XXXX and did at the time of service. Her father has full custody and is responsible for all medical bills. At the time she needed med attention right away so I took her. They contacted her father and got insurance information. A few day later I got a call from the hospital saying the insurance was denied because the car insurance of the other driver was responsible and got the ticket. Her father contacted them and they agreed to pay the bill after all. About a month later I get a call from United Revenue Corp. I explained everything even gave them her fathers number. They stopped calling me then I saw this company on my credit report. I called them and they were very rude. Said I had to pay this. We called the hospital and they claim XXXX paid the bill. I told this collection agency this but they said they have not received anything form the hospital. I told them even so I am not responsible for medical bills for the children as part of my divorce agreement. I am solely responsible for child support and educational bills for my children. They did not want to hear it my ex husband called they would not even talk to him about the account. Somewhere between XXXX and the hospitable and them there records are messed up and this is effecting my credit now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC
State: CO

Complaint narrative:
Have a letter from CEDAR Financial saying I owe {$56.00} to creditor " XXXX XXXX '' FILE # XXXX. 

I 'VE NEVER SET FOOT IN THE COUNTRY OF XXXX. THEIR CONTACT, WITH NO EVIDENCE, PAPER TRAIL, OR RESEARCH IS LACKING, AND WILL NOT BE THREATENED BY THEIR ATTEMPT TO COLLECT THIS DEBT! 

CEDAR FINANCIAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I talked to a rep a few months ago about my Chase Private loans and she said no more interest would accure on account and my payments would be $ XXXX month until account pd off. I told her I needed to discuss with my husband everytime I call back they are not working with me on an affordable plan I was recently offered. 
They are giving me options that are not affordable at all. I want what I was offered so I can start paying on these loans.

Company response to consumer: Closed with explanation