vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-11 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I went to XXXX first then to a XXXX ( XXXX ) Supermarket to cash a tax refund check from XXXX ( I live in XXXX ). 
Both places use certegy ( Formerly Equifax ). Both places refused to cash the check and gave no reason why. I called the customer service to find out why and again, they gave me no reason for the denial of service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NJ

Complaint narrative:
On XXXX XXXX, 2016 i received a notice from Stoneleigh Recovery Associates alleging that i owe a debt to XXXX XXXX Medical Center i advised them in writing that i previously disputed that debt with the original creditor XXXX XXXX Medical Center and the debt was canceled and removed from their records as a result of identity theft also under the Fair and Accurate Credit Transactions Act. I continued to received phone calls from the debt collector threatening me about paying this debt that was previously satisfied and deleted under the Fair and Accurate Credit Transactions Act.

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 2015-06-29 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
Astoria Federal Savings, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXXThe bank above is involved in bait and switch selling. I have a CD on deposit there which they insist on substituting for a mutual fund. They will not listen to me or answer any questions about the CD account ; nor provide a contract, terms of agreement or method of payment for the mutual fund. All they repeat about the CD is " You do n't need it, '' - which they bark out almost in unison - with out submitting any proof. The pressure is unbearable. 
I am a retired US citizen living XXXX. I am XXXX years old, unemployed and a XXXX. I have documents to prove my medical condition. I visit the USA every year to try and wire back some money for living expenses. My US address is in XXXX NY. I am going to travel to the USA later this year and try again. If I meet with the same opposition again, what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY

Complaint narrative:
First I want to say they did all of the options above. I know where all my debt is and it isnt with this company. They called my job ( a school ) and somehow got my cell phone number which I NEVER gave out. 
They have been calling non-stop for the past 3 days. I called back multiple times and they are rude and nasty. I refused to confirm the " information '' about me they had on file so they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 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: Linebarger Goggan Blair & Sampson LLP
State: GA

Complaint narrative:
On XXXX XXXX and XXXX XXXX 2015, I received a demand letter from Linebarger Goggan Blair & Sampson , LLP in XXXX, IL stipulating that they represent the State of Illinois -Department of Revenue in a collection of tax obligation. My complaint is I have never received any correspondence from the Department of Revenue regarding any delinquent taxes for the years indicated in the demand letter sent by this law firm/collection agency. Moreover, I have paid my state income taxes for the years identified in their correspondence. This demand letter seems to be a fraudulent claim of debt or deceptive action to scare me into payment of a tax claim that I do not owe. The language in the demand letter utilizes legal verbaige to bully and coerce a person into paying monies they do not owe. This practice seems deceptive and an unfair way of doing business. As a senior citizen, I find theses correspondance abusive and alarming. 

On XXXX XXXX, 2015, I sent a letter to Linebarger Goggan Blair & Sampson , LLP requesting as per the Fair Debt Collection Pracice Act, they forward all documentation to me to validate this claim. Instead of adhereing to the federal law, they sent me the XXXX XXXX letter demanding payment of {$30000.00} or else. They have not sent me any documentation to validate this claim. This action seems to be in direct conflict with the law or autocratic demeanor that they are above the law. 
If this firm is pursuing me like this, one can only assume they are doing this to many people in Illinois and/or throughout the country. 

Your immediate attention and action to this concern is requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX refused to cancel my service after I spoke with them back around XX/XX/2016 when my bill increased without being notified. I paid XXXX additional months at the increased billing then I stopped my credit card auto pay. My email requests to XXXX to cancel my service were never replied back. XX/XX/2016 I received early Termination and XXXX Non-return fee, rather this is more of an extortion payment demand {$140.00}. XX/XX/2016 I received a demand payment from 'Credence XXXX XXXX XXXX XXXX demanding {$150.00} for XXXX XXXX

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 2017-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Credit Management has XXXX inaccurate items on my credit report. XXXX I called last XXXX they have it dated as XXXX per XXXX the date was XXXX. They changed the date only to re age the bill again this XXXX Now they have XXXX internet and the date is XXXX. We were living with my father in law from XXXX-XXXX. This bill would be from XXXX. The Re aged this bill and when I call they hang up on me and will not correct their errors that they do intentionally.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We have filled a complaint in regard of a check that we sent to Shellpoint Mortgage servicing that has cashed by Shellpoint and did n't posted to our account. After the complaint, they resolved the problem as well as brought back the overcharging for the escrow funds. 
When we received the reply correspondence, we wrote Shellpoint back for more clarification about three ( 3 ) months mortgage due the letter has stated. While we were waiting for the final dispute or the clarification answer the case has closed. As we receive the correspondence last week on XX/XX/2016 there are XXXX fees that we needed to dispute. Therefore, we have to submit this new complaint. 
1-Shellpoint has charged us {$220.00} late fees. While, they are one who made the mistake or intentionally not posted the funds to our account to generate late fees. We requested that the {$220.00} late fees should wave in our account. 
2-Shellpoint has charged to our account {$2200.00} JUNK FEES " as other fee '' We ask for those illegal fees should be removed to our mortgage account. In the meantime, as of now our account is showing past due for {$8100.00}. while we 'll wait for Shellpoint to resolve the issue, we are going to make a payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ASTORIA BANK
State: NC

Complaint narrative:
During the years XX/XX/XXXX I purchased several Growth Savings Bonds from XXXX Federal Savings XXXX XXXX XXXX which no longer exist. I have contacted Astoria Bank which acquired XXXX about savings accounts that should have been set up after these bonds had reached their maturity dates. I have spoken to several bank personnel with no one being familiar with these growth savings bonds or any accounts set up with these funds. I have also visited the unclaimed funds website with no accounts being found for the names listed as the bond holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: Kriya Capital, LLC
State: CA

Complaint narrative:
The company agreed to request the deletion of the account with the credit bureaus after I paid the settlement offer. Instead, they are reporting it as a past-due balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: FL

Complaint narrative:
In the mail today, Thursday, XXXX, XXXX, XXXX, received a validation letter, no date indicated, regarding an account that was incorporated in a Chapter XXXX Bankruptcy filing back in XXXX, XXXX XXXX Florida, and subsequently discharged the same year of XXXX. 
The amount indicated {$5300.00}

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 2015-12-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: IL

Complaint narrative:
i requested the creditor to verify the medical bills were mine. they sent me papers without my signature, social security or any self identifying information ( ie, drivers license or state id ). they also have me listed as " self-pay '' but i was group insured through my employer at the time ( XX/XX/XXXX-XX/XX/2013 ). i have asked them to verify this as my debt because it is reporting in my credit files. and in reading the itemized billing items, they overcharged for an MRI-they have it listed as # XXXX and i know an XXXX generally costs {$1200.00}. This is not my debt and I would like your help to investigate this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been working on a short sale since the end of XXXX with the XXXX mortgage company. There is a XXXX mortgage on the property, which the borrowers swore they did n't have. Spent 6 weeks trying to find out who held the XXXX mortgage, only to be told that no one was claiming it. XXXX bank said they showed it as closed, when asked to get a Satisfaction filed, I was told no. Finally, after running the borrowers credit report, I found the XXXX mortgage company on XXXX XXXX, 2015. On the same day, I contacted the mortgage company and faxed everything they needed to them to approve a short payoff of the XXXX mortgage. On XXXX XXXX, additional docs were requested by the XXXX mortgage and were faxed right away. They then told me that the loan was being transferred in 5 days to a new mortgage company, but they would forward everything to them and we should have approval right away. I contacted the new mortgage company, explained that all we were waiting on was the XXXX mortgage approval, so the XXXX mortgage could complete their review. On XXXX XXXX, I called to check the status and was told that the previous mortgage company had not forwarded documents as promised. I faxed everything to them that same day. I have consistently called to check the status and get no phone calls back from them. I stayed in contact with the XXXX mortgage company throughout, but as of today, we received a fax from them denying the short sale as the documentation needed from the XXXX mortgage company had not been received. I called the XXXX mortgage company and verified with them, that now we would have to start all over with them, while still waiting on the XXXX mortgage to approve. XXXX foreclosure sale date has already been cancelled, and I 'm worried that they will schedule another date soon and we wo n't be allowed to get this short sale completed because the XXXX mortgage company is dragging their feet. Do they not realize they will get nothing if it goes to foreclosure? What is wrong with these banks? They are a XXXX mortgage and still require all of the documentation that has been sent to the XXXX mortgage company. They should just be concerned with the amount they receive and either accept what 's offered or they could counteroffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: First Data Corporation
State: MO

Complaint narrative:
Returned check amounts for XXXX are showing as unpaid balance.Telecheck Services were held accountable for illegal services, and innacuracies against consumers. Sued for failure to follow guidelines for check reporting information ; Telecheck was required to pay consumers fees in return for innacuracies. Suit was filed in XX/XX/2014. Several checks that Telecheck states are unpaid, but have been paid are still pending as balance owed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: ID

Complaint narrative:
I wanted to pay my XXXX XXXX online and I entered my bank info, and received a message that Telecheck could not process my payment I called the number for Telecheck and there is no option or agent to talk to so I can find out why my bank account info will not go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: PR

Complaint narrative:
Keep receiving harassing and suspicious robocalls from so called Global Credit & Collection Corp. from the phone number XXXX almost every day. I have no past due debts with any creditor and I have not received late payment letters from any financial institution or any other. Have n't received any official document or letter from that company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: OK

Complaint narrative:
I have tried for 7 months to close my First Data Merchant Services account. When I do actually get a human on the phone, I just get the " run-around, '' and different answers. They promise to return calls and do n't. They wo n't respond to emails. The have dozens of unethical ways to keep XXXX from canceling. They continue to charge fees and once a person finally threatens them are told they will have to pay a {$500.00} termination fee, but they keep the person paying their monthly fees. Very unethical. The Internet is filled with others who have the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Collection Bureau of America Ltd.
State: PA

Complaint narrative:
The debt collector is attempting to collect a debt thats already expired under Pennsylvania Statute of Limitations therefore in violation of the Fair Debt Collection Practices Act. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). The debt collector was advised but yet still continue to violate state and federal collection laws therefore should be fined to the full extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I recieved a call from a XXXX XXXX claiming he was collecting for his client XXXX mutual. Call back number is XXXX ext.XXXX claim number XXXX. He claimed I had been in an accident back in 2015, but I was n't. He had an old address of mine my full name but wrong date of birth. I have brought this to my car insurance awareness already and I was hoping this agency could futber look into this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have had a mortgage with XXXX ( serviced by XXXX since XX/XX/XXXX ). On XX/XX/XXXX, my mortgage was sold/switched to another Subservicer of XXXX, Nationstar. Since that time, my mortgage has not been reported to the credit bureaus. Consequently, I do n't have a current mortgage showing on my credit report. I am in the process of purchasing a new ( additional ) home ( closing scheduled for XXXX ... One week from today ), and my lender is telling me that it can not be processed until my existing mortgage is reflected on my credit report. I have made at least 6 calls to Nationstar customer service to find out when it will be reported. Nationstar told me they are legally prohibited from reporting my info for 60 days following the loan transfer. Today is day 65, and they have given me 6 different answers as to when it will definitively be reported : 1 ) automatically on day 60 ; 2 ) on the 10th day of this month ; 3 ) at the end of the month ; 4 ) at the end of the billing cycle ; 5 ) at the beginning of next month ; and 6 ) ' it has already been reported '. Today, they 'confirmed ' that it will be reported on the first of next month. I have begged them to manually override the system and report my mortgage info now. They said this is not possible. They told me that every lender has different policies, and this is their policy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have a home equity line of credit with USAA in the amount of XXXX. I am current in my payments with the loan, but have been late in the past. Due to previous late payments, USAA froze the account, meaning I am unable to borrow more money. However, they report it as " closed '' to the credit agencies. Having XXXX in revolving debt but not an offsetting amount of credit, creates a credit utilization ratio of XXXX %. This significantly hurts my credit report and makes it impossible to get things like car loans or credit cards. The account is not " closed '' it is frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I reported to USAA bank that my card was lost, on the same day that it was lost. I was told that my account was closed and they and they were going to refund me the {$200.00} that was in my account in the next 30 days. When I called on XX/XX/XXXX they told me the account was still open. We got conflicting stories from various USAA customer service people. On XX/XX/XXXX they told me the check from XXXX XXXX from XXXX XXXX XXXX, XXXX 2011 for {$6300.00} was deposited into the account. I told them that " this was not my money, do not cash that check. '' I tried to log into my mobile app and is said " For security reasons my account is temporarily closed. '' On the next day I was told a check for {$1000.00} had been withdrawn. I asked them why did you permit this withdrawal when there was only {$200.00}. in the account. I was told " It is because you have such great credit. '' On XXXX XXXX I spoke with a manager at USAA and they said " I was responsible for any deposit that were made. '' I then received a letter in the mail that showed it has a signature which is printed, and contains information inconsistent with all previous deposits I have made. I have asked if they have investigated the situation, and looked into the person who deposited the check, and the money that was withdrawn in Ohio ( even though I live in XXXX ). The bank has told me there has been an investigation but refused to share any information. The bank repeatedly insists I am responsible for this money, even though I did all of my due diligence, informing the bank that the card was missing, that the deposit was fraudulent and should not be cashed. I was treated disrespectfully throughout, and was spoken to in a rude manner every time.

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