vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Accelerated Financial Solutions, LLC
State: PA

Complaint narrative:
Beginning during XX/XX/XXXX a collection agent called asking where I could meet their " process server because they were going to sue me for {$800.00} that I owed XXXX XXXX XXXX ''. According to XXXX XXXX. I owe them nothing and all accounts that I did have were closed and paid in full. Demanding that I pay the full amount at XXXX. They gave me no information about who they were or who they represented. They are so persistent that they have called my cell phone at least XXXX to XXXX times a day if not more. When I asked for an address they refused to give me one. Because of their actions, I felt that in order to obtain the company name and address I had to set up a payment arrangement so that I could obtain an address. ( exhibit # XXXX ) These statements clearly shows that AFS 's actions cause Duress as stated in 18 Pa. C.S. 309, Entrapment 18 Pa. C.S. 313, by threats of a lawsuit. By not first telling me who they were or why their actions so that I could properly investigate and ask questions their actions clearly violate Pa C.S.18 3922 Theft by deception, Pa C.S.18 3923 Extortion, Pa C.S.18 4114 Securing execution of documents by deception, Pa. C.S. 18 4107 Deceptive or fraudulent business practices. 
On Friday XXXX XXXX, 2015 they once again called demanding {$800.00}. Since I will not deal with them directly they have started calling my wife XXXX XXXX, demanding the money out of her saying that they would sue and put a record judgment on me if the full amount was n't paid that day. The individual that spoke with her gave her, not only my name and social, but her full name and social security number as well. In the arrangement they give no name of the prior lender, no account number, nothing. They have called my place of business ( XXXX XXXX in XXXX ) XXXX as well as my wife 's place of business, ( XXXX XXXX XXXX ) where she is XXXX. On XXXX XXXX, 2015 I received this email ( exhibit # XXXX ). On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX called XXXX XXXX which is my place of employment tonight looking for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: CA

Complaint narrative:
I received a prescription from my XXXX doctor at XXXX. It was approved by Medicare 's XXXX section. I chose XXXX. I had problems getting lots of things from XXXX and finally could on my own.But the one thing I could not get was the XXXX. XXXX in Medicare 's XXXX department helped me. All went well after that. the XXXX and a lot I believe of the XXXX I had. But because of the cost I switched to an XXXX plan. XXXX probably knew long before it said anything to me which was XX/XX/2016. At that time XXXX said if we did n't make arrangement we would start being charged. I quickly called my XXXX plan they agreed to pay XXXX the same amount that Medicare was paying them through he end of the year ( 13 months ). Now I felt comfortable. I waited until I heard back from XXXX, the operators first said do n't worry I do n't owe anything, second said you only owe {$500.00}, then Phone call saying the machine must be returned or I will start being charged, then a XXXX showed up NO ADVANCE NOTICE, NO PAPERWORK! and two more times he said they always do this. I thought about even the older Medicare patients using Medicare, just doing what they are told. XXXX has paperwork for something cost {$6.00} but some of these machines cost {$4000.00}! Anyhow I returned it myself. They would not take it up front, only in the back, I noticed right next to a XXXX office Any employee could run a scam. Well after dropping it off I had to go back up front to sign. He pointed where to sign, I did not, I wrote right above. I covered the entire page saying that XXXX was not willing to work with my medical insurance co.. 
Then I started getting bills. The first for " new patient '' for a {$1000.00}. and that went on at the same time as they tried to get additional personnel informational. I kept on saying I will not give personnel information over the phone- request it on company letterhead and I will answer it. They never did. I would get calls asking for calls with my middle name, and just like for anyone I would ask what did you want if I did n't recognize the voice. Then I got this letter saying if I did respond within 30 days of receiving it then I accept the amount owed. Well the XXXX happens to be a Sunday and they are closed. Trying to get a letter there over night at XXXX no. so I figure the best way was to tell you, the government, that they are and have been using scare tactics on me since XXXX with all the health issues I have ; all you have to do is ask me to print them out and you can see. I am not making this up. I 'll call XXXX on Monday, and different people if need be. Thank you so much for taking the time to read this and even if you ca n't do anything I understand There always is XXXX and XXXX. Company doing collection for XXXX now GLOBAL RECEIVABLES SOLUTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I started a dispute via PayPal for an XXXX purchase. Paypal told me that they would refund my money as soon as returned the item. I returned the item provided PayPal with evidence of return via XXXX tracking and a picture of the package with the tracking number and return address. Paypal is denying my refund saying I did n't return the item even though they have pictures of the return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX visa interest rate too high and credit limit too low

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I am a XXXX, representing a homeowner in the short sale of their property. We have been trying, myself and the homeowner, to communicate with and get an update from Ocwen regarding the status of the short sale approval. We have provided all documents requested - MULTIPLE times. Every time we get someone on the phone, most recently it was Agent # XXXX, just this morning, they disconnect our call! As soon as I began telling this person that we had already submitted the document she was requesting, multiple times, the phone clicked off, dead. The same, exact thing has happened multiple times to me - bu ONLY when speaking with Ocwen " relationship managers ''. They never call back and when we attempt to call them, we can never speak to the same person, and within a few minutes of explaining that we have already submitted every document they are requesting, they hang up on us! I am a XXXX. I 've XXXX in my career. This behavior from Ocwen is notably different from all others I 've dealt with. I can only assume they are intentionally trying NOT to allow the short sale and would prefer to foreclose on this property. I DO have a purchase contract on this home, from a pre-approved and committed buyer. We are ready to proceed and close this sale but Ocwen is not cooperating with us. They have made it impossible to proceed by continually requesting the SAME documents over and over and then hanging up on me when I explain I 've already submitted those documents. I have time-stamped emails proving that I have submitted the documents at least 4 times, some of them more than that. This has been going on since late XXXX 2016. I have reached out to Ocwen at various email addresses : XXXX, XXXX, XXXX, XXXX. I never get a reply back other than to request the same documents I just sent them. We are going in circles and I need the CFPB to step in and help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Shell Credit Card account for decades. The issuer is Citibank. The card was very seldom used, usually on long trips. At some point I believe late XX/XX/XXXX or early XXXX the account number was changed by Citibank and I do n't why. After that point it seems all communication, statements etc., stopped. Not using the card very often it did not come to my attention. In XX/XX/XXXX I used the Shell card to make a purchase in XXXX Ca. for XXXX. I am a person that pays his bills within a day or XXXX of receiving them. Something had happened to cause me to stop receiving statements from Shell/Citibank. Without a statement the purchase went unpaid. I believe that each month Citibank thought I was receiving statements and ignoring them so they added late charges until they closed the account and sent it to collections. Also, they notified the credit reporting agencies, showing a charge off on my report. I discovered all of this when I applied for a credit offer from a retail store. Prior to this point I did receive a letter from the collection agency indicating the charge off from my Shell account. Believing that I had a XXXX balance, I logged into my Shell account on-line and it shows no balance owed. I hought the letter was a fraud scheme. I can still log into the account. I discovered that I am logging into the old account number?? 
The action I have taken : Called the Citibank service center and asked to discuss my bill with the representative, who claimed she could not see the account since it was closed. She told me she would send the statements and I should try to figure out what happened. Really? 
Month later, received statements and discovered the aforementioned information so I called the Citibank service center again to discuss the issue. I was told this time that I would have to write a letter to the CBR Dispute Dept. of Citibank. 
Wrote letter to CBR Dispute Dept. outlining the details and asking for a representative to contact me with a resolution. They have not contacted me after sending additional faxes requesting any type of contact at all. 
After a month of no contact I emailed a letter to the CEO of Shell and the CEO of Citibank detailing the issue and begging for a representative from either company to contact me. 

I am a XXXX retired XXXX XXXX that takes pride in having a pristine credit report and have never paid a bill late. Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I settled this debt with an agency representing Santander roughly 2 years ago for exactly XXXX dollars. Now Santander apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was working with my bank to get a loan modification. The reason was because my husband lost his job and became XXXX. I kept on giving them all the information and they kept on closing the application. I gave them all the paperwork needed and it took 6 years to get my payment to where I would be able to afford the payment. They also put on my credit report I was in forcloseure but not true. Now that will be a big problem to correct. Because of this my mortgage was increase by $ XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS Select loan servicing used erroneous income for my loan modification. It 's been over XXXX years since they have had my file and I believe they just rolled the dice, picked a number out of a hat and walla! a loan mod that reflects an income of over XXXX dollars. I do not make XXXX dollars a month and never have! I am appalled at their conduct and request a thorough investigation on their sloppy underwriting and mis handling of my file. There is a sale date set for XXXX XXXX 2015 and I am very worried in that, they way they underwrite/ handle files, will cause me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 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: Stellar Recovery, Inc.
State: OH

Complaint narrative:
I had cable service from XXXX that was contracted through XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL about 3 years ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called XXXX has sent me a letter attempting to collect the debt. I filed a complaint against XXXX ( See Case Number XXXX ) Guess what? Stellar Recovery, I want you to know I am stellar and will never pay this. Tell XXXX XXXX that they can keep doing this for another 4 years, I will keep filing complaints. STELLAR! If Stellar Recovery contacts me again, I will take legal action for violations against the Debt Collection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
I open a credit card in the store with XXXX two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00}. I explained to XXXX that I never received any statements the representative stated that the statements were coming back to XXXX return to sender. XXXX had the wrong address that was why I never received the statements. However instead of calling me two years ago to correct the situation they just ignored the problem. 
When I called XXXX they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call XXXX back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} not {$290.00} Also XXXX was rude and did not try to assist me in anyway. XXXX said over and over again that XXXX will not settle the amount that I had to called the collection agency who already told me to call XXXX for XXXX to waive the {$250.00} because it was a bank error The account was open in XX/XX/2015 agreed however the cashier entered my information and I was not able to confirm the address from the register therefore because I never received the card I forgot about the original charge of {$44.00} I did not receive a call from XXXX on XX/XX/2015 my question to XXXX is if you receive returned mailed from me why did n't anyone reach out to me why was all the late fees allowed to accumulate? 
This seems to be unfair, deceptive and fraudulent charges due to XXXX not following up or doing the proper due diligence for the customer XXXX is just trying to take advantage of a senior citiz

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
relate to reference # XXXX. false accusations due to I closed my checking and savings account with XXXX in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out Midland Funding LLC had a Lien on my property, I called and asked Midland Funding the reason of the Lien, agent told me XXXX sold my account to Midland Funding in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for Midland Funding LLC and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from Midland Funding AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with XXXX in XX/XX/XXXX, same year XXXX was under investigation by the FDIC with Fraud and embezzlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was notified by Bank of America that my account balance had gone below XXXX. I knew there was over XXXX left in the account so that did n't make sense. I pulled open my account online and it showed that I was over XXXX overdrawn. The previous day I had written a check for XXXX. It was used to pay a loan at a different banking institution. In my Bank of America account I had over XXXX in the account so there was plenty of money to cover it. When I called Bank of America they said that they could see the check that was trying to clear and could see that it was for XXXX, but it was being processed as XXXX dollars. Extra XXXX somewhere. I asked what to do. Was transfered to a manager. The manager told me that if I brought in the extra money before XXXX that I would not be charged an over draft fee. She said she did understand that the check was not for a XXXX and that it was only written for XXXX, but the banks policy was that I would be charged an overdraft if I could not cover the check with additional funds. She said to call the other institution when they opened and talk to them and in the mean time they were returning the check. I asked her to at least waive the fee for overdraft and she said she could not. She said that to get the fee returned to my account I would need to call the next day and see if they could deposit the over draft fee back into my account. It makes no sense to charge a customer an overdraft fee when there is clearly an error between the XXXX banks. I called Bank of America at XXXX my time as soon as I saw there was an issue. They agreed that it was a banking issue and that I had not done anything wrong, but charged my account an overdraft fee anyway? Where has basic customer service gone in this industry????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have made several complaints to Midland Funding about one of the accounts placed with them. During the dispute I asked for a copy of the document I signed. They have me listed as having a XXXX account in a state I have never been to. my name is also misspelled. I never had this XXXX account. They sent me back that they sent me some notice which I never received and never addressed that I did not sign for this. If I knew the dates that I supposedly had this account I could try to prove my whereabouts. they also seemed to say that because I have another collection account this must be legitimate. This is not legitimate. I have never been to Virginia in my life. This account needs to be removed

Company response to consumer: Closed with non-monetary relief