vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-24 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: American Profit Recovery, Inc., Marlborough, MA Branch
State: ME

Complaint narrative:
We purchased a business and landscaping was already in place by a company. We let them continue, but did not have a contract with the company. We called and asked for a Mosquito treatment on the property in XXXX 2013. They did not apply it until XXXX 2013. At that point, we called and cancelled all services. The landscape company continued to come every week, but were coming in the morning before anyone was at the building. We never saw them. I received the XXXX billing after cancellation in mid-XXXX 2013 and called again and left a message. They still continued to come through the end of the season. We have written letters and asked for these bills to be reversed. XXXX years later, the landscape company has turned the account over for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation
State: TN

Complaint narrative:
i keep getting calls about a debt for someone who i dont know. Ive had the same phone # for XXXXyears, ive explained this to the callers which are numerous but they continue to call. Ive done tickets on other callers with this system. It seems however that once CFPB gets XXXX to stop calling they sell that debt to another collector who then sees my number and this starts all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
Company in XXXX with the number registered as XXXX called my phone multiple times per day, eventually I was forced to answer. Silence for several seconds, then I was confronted by an XXXX man who refused to tell me who he was or why he was calling until I confirmed who I was. I confirmed, and he then told me he was with American Medical Collection, calling about a debt of {$72.00} XXXX. To my knowledge, I have no current outstanding medical debt, and my medical insurance has never contracted with these people before. Told him to call back later, at which time he offered me a one-time exemption where I could pay a flat {$50.00} XXXX to resolve the debt on the phone, right then and there. I told him no, he promised to call back later. 

I will be blocking this number, and apparently this company has been investigated and sued before for aggressive calling tactics. So, just a heads up, these people are still engaging in these tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of America Ltd.
State: NM

Complaint narrative:
This debt collector calls me all the time and I explained to them I have health insurance and they need to try to collect the claim from them not send me to collections. They told me i was un insured I told them I have XXXX they went on and told me how would you like to take care of the debt and i told them my insurance would have to pay it and the person I was talking to said ok I will put down you dispute the debt and it will say that on your credit report and that was the end of the call.

Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
As I am now looking for an apartment to purchase, I noticed, much to my surprise that there is Collection Item on my Credit Report. I am in the process of chasing it down and have discovered that it originates from a company called XXXX. I am extremely annoyed by this as I HAVE NEVER received bills from this company and now I find that a large amount is in collections and I am very concerned that this could effect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Lynx Asset Services, LLC
State: NJ

Complaint narrative:
Please see all attached documents in reference to my complaint. # XXXX Per my conversation with XXXX, he advised to attached more documents. XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Shechtman Halperin Savage, LLP
State: RI

Complaint narrative:
My mom passed away on XXXX XXXX, XXXX. She left XXXX mortgage liens, one was taken off. We had the estate probated and the deed transferred into both my brother 's name and mine. About one year ago, a real estate company started coming around invading my privacy. They posted large paper on my front and back doors. They started sending harassing letters about removing me from my mom 's house. They have been showing up without my permission, trespassing on the property, taking pictures, driving by and taking pictures. Later on in XXXX of this year XXXX, They filed a complaint without first notifying me about it. They never served a notice on the complaint. It was a cross-claim. I have filed Chapter XXXX bankruptcy on XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, my Bankruptcy was officially discharged. I received a letter in the mail on XXXX XXXX, XXXX, saying that they scheduled a hearing for XXXX on XXXX XXXX, XXXX. They have no grounds to sue me and I want them ordered to cancel this hearing. I sent them emails to let them know this I have n't heard from them, and would only like a response if they will cancel this hearing, as I did n't do anything wrong. They are seeking a summary judgement from to recover the balance, because the house was underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
Trouble completing transfer and unsupportive service. Service not completed in promised timelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Charlottesville Bureau of Credits, Inc
State: NC

Complaint narrative:
I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on 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 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: First Credit Services Inc.
State: AK

Complaint narrative:
I received a phone call XXXX in the morning in XXXX XXXX. The person told me I owed money for a gym membership that I did not pay for 3 months since XXXX XXXX. I normally paid {$15.00} per month and the gym membership was on auto pay from my credit card. I did not received any notice of non-payment from my gym. The collector also continued saying I owed {$100.00} for the 3 months of missed payment. My membership was {$15.00} dollars a month and now is it {$100.00}?!?!?!? I asked why there is a huge increased, the collector responded for msc fees added to the account. The priced double. The collector stated if I pay now, I can get some discount from cost and they would need my credit card number now. 

I thought this was a scam because I was never notified of any late payment. I told the collector to email me the debt information. They agreed to email me the information. Now in XXXX XXXX, I received XXXX phone calls a throughout the day at weird hours from different numbers. I asked them several times to email me the information and never did I received an emailed copy of my debt information or my rights. I am sick and tired of being bothered with weird numbers and they can never email my debt information when I asked several times. 

They have been leaving me messages stating if I do n't pick up the phone, I had confirmed I am that person on a voice message!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OH

Complaint narrative:
Debt collector refusing to send validation of debt. 

Debt Collector also still calling AFTER I told them I was contesting the debt and that they need to send validation of said 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 2017-01-02 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
I borrowed {$1500.00} from XXXX ( an online payday loan company ) and they deducted {$360.00} from my checking account ( account statements enclosed ). However, now another company called Management Services Incorporated has put the loan in collections on behalf of XXXX. for the full amount. They have not credited any of the money that I paid them and payday loans/lines of credit are illegal in Virginia. I did, however, write them a letter, forcing them to refrain from deducting the money from my checking account XX/XX/XXXX ( this has also been enclosed with this complaint ). They have also listed this as a debt that is in collections on my credit report, which is of course having a negative impact on my credit. I am not reneging on paying the loan back, I just know that since this is illegal, this needs to be removed from my credit reports on all XXXX bureaus immediately. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: First Data Corporation
State: TX

Complaint narrative:
I had outstanding checks with my bank, I paid the checks in full and closed the account. I sent the collection agency a letter from the bank stating such. They continued to say I owe the debt. I sent a cease and desist letter certified, and they are STILL contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I 'm contacting your agency to understand why my account with XXXX XXXX XXXX would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and XXXX XXXX XXXX has just processed my latest payment to them on XX/XX/2015.Please advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: First Data Corporation
State: OK

Complaint narrative:
On XXXX XXXX, 2016, I purchased by Electronic Check, items totaling {$76.00} at XXXX XXXX in XXXX, Oklahoma. The purchase cleared the Point of Sale terminal and the clerk handed me the receipt and the processed personal check back with no indications of a transaction error. Later, on XXXX XXXX, 2016, I receive in the mail a Notice of Failed XXXX Transaction from Telecheck XXXX XXXX XXXX XXXX claiming that banking information was not read correctly from the check at the Point of Service terminal at the time of purchase. Telecheck has referred this " error '' to their TRS Recovery Services as a debt collection. How can a supposed check reading error be in debt collections when Telecheck has the money and has not yet processed the transaction? Telecheck states in this letter that they need additional bank information and personal information from my checking account to correct this situation. I contacted my local bank and described this letter to them and the bank stated that there are " red flags '' involved with this letter. My bank recommended I put a stop-payment on the check with the purchase. I did this on XXXX XXXX 2016, I also the same day went to the merchant and offered to pay the amount of the stopped-check in cash and request a receipt. After a hour of going back and forth with 3 different representatives over the phone with Telecheck and XXXX XXXX representatives and the store manager and all adamantly wanting to know our bank information and that that we pay again by check, they finally gave in a let us pay for the items in cash with receipt. The representative on the phone with Telecheck made threats over the phone that this situation is not over yet and I will be receiving more threats in the mail. It is time for me to get an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: First Data Corporation
State: NC

Complaint narrative:
In XX/XX/2015, this company offered me a new credit machine for my store. When they came to install the new machine, they could never get it to work. Eventually, I became tired of dealing with the issue, and I asked them to come pick it up. Even though the equipment never worked, they refused to pick it up and continued to bill me for a service that I never used. I just do n't know how they can continue to bill me for a machine and service that never was operational. I have repeatedly asked First Data to come pick up their machine, or give me instructions on how I can send it back to them. They never do. They just keep sending me bills, and reporting this account as a past-due account on my credit report. That is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I do not know what this debt from XX/XX/XXXX is. The current resident at my former address had several bills/debts in my name, that I did not sign for, authorize or approve. I recently found out that this may be one of them. The company is requesting I send them utility bills from XXXX ( which I do not have ) or a police report ( which I also do not have. ) I 've asked for a copy of the original executed contract/agreement for this service, so that I can see who signed for it, but the collection agency will not provide this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I am a third party authorization for my client that has a mortgage with Shell Point as servicer. They have been very difficult and today they have countered my client {$670000.00} when their payoff including late fees and penalty is {$630000.00}. I have an offer into them at {$630000.00} which nets Shell Point {$600000.00}. They proceeded to foreclose months ago at {$590000.00}. The second with XXXX XXXX is waiting for first lien approval for them to approve {$3000.00}. Shell Point wo n't consider any other offer but {$670000.00}. They told me today they will not go back to the investor for anything less than {$670000.00}. I think they do n't know what they are doing and need help explaining to them anything over the XXXX lien goes to the XXXX lien. Shell Point has a credit balance in the escrow account for taxes and insurance. The investor is XXXX XXXX XXXX and I am sure they would rather be paid than be foreclosed on. There are lots of complaints about Shell Point. I need you to explain the legal process to them to close this contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This complaint is 2 fold. 
1 ) I have been getting getting notices from Shellpoint Mortgage Servicing stating that I am 3 months behind on paying my mortgage. The payment has been automatically deducted from my checking account every month at the same time. 
This has negatively affected my credit. 
2 ) I have provided insurance coverage for my properties on several occasions, my XXXX agent has also sent them the cover sheet. Shellpoint continues to state that they do not have evidence of insurance and is charging me {$620.00} for each of my XXXX properties. My insurance from Farmer 's is {$820.00} for all XXXX properties per year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I have reached out the this company and never hear anything back. Finally with reporting them they sent me a statement ; however, this does n't show break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!

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 2015-07-21 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: The CMI Group, Inc.
State: IL

Complaint narrative:
XXXX submitted debt that I did not owe to Credit Mangement XXXX. I have repeatedly talked to XXXX, who have told me that I do not owe the money trying to be collected, but they have thusfar been unable to send me any paperwork or billing statements in writing saying that I do not owe this money. I was told via a XXXX Rep that the debt they incorrectly assigned to me was cancelled, and I should not receive any additional calls from this credit management service. This was not the case, and I was told today, XXXX/XXXX/15 by Credit Management XXXX that I need to pay the bill immediately or it will be reported on my credit. XXXX has again stated that I do not owe this money, and that the issue should be taken care of. I still have no written proof at this time, though I am awaiting an email from XXXX, sending a proof of billing.

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 2017-02-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
To whom it may concern, we are filing a dispute regarding the modification offer that was extended on XX/XX/2017. We completed an RMA package and outlined all of our expenses and income. Our gross income is {$6900.00} and our expenses are {$5900.00}. Thus places our debt to income ratio ( DTI ), is currently at XXXX % on the back end and XXXX % on the front end. 
These payments being offered are extreme and place or debt to income ratio at a severe deficit. It appears that there was no type of underwriter guidelines being followed to determine our affordability. We feel that this modification offer is predatory by nature, due to the fact that these payments are placing our debt to income ratio on the back end at XXXX %. 
None of the Shellpoint underwriting math makes any sense and it is not an acceptable payment. 
It appears also that based on the mortgage calculations and mock amortization schedule, the modification is based on {$28000.00} being paid back within a XXXX year term, which is completely unaffordable. The definition of A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower 's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment : reduce the interest rate. This has clearly NOT been achieved in this case. 

Our family feels that this type of treatment is an outrage and a great way to force our family into a XXXX bankruptcy.

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