vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX CLAIMS THEY GAVE THEIR SERVICE TO ME IN THE STATE MICHIGAN. I HAVE NEVER BEEN IN THAT STATE SO I AM NOT THE ONE THAT THEY GAVE THAT SERVICE TO .SO I FEEL I AM NOT THE ONE TO PAY THIS BILL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
I am having problems with the Loan/finance company for my vehicle. The day after I had purchased the vehicle the finance company called me to welcome me to work with them. I mentioned to them that I am a construction tradesman and always out in the field. I gave them my wifes information and gave them permission to speak with her at all times regarding my payments. We ended up behind in payments because they keep telling her that I have to call them to give them permission to talk with her. They have her information on file but refuse to look for it. When I call I can not get anyone to speak XXXX. I can never understand them. than they hang up. Finally I took two hours out of my very busy work day losing money to call them again and get hung up on several times. I finally get ahold of someone, and their story is that they do n't have anything on file and my vehicle will be repossessed. We have made them an offer, and they refused it. I know I have not very good credit however I deserve better service than this. This company is very unprofessional, disrespectful, and plain out ignorant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
CHEX Systems has not deleted the fraudulent XXXX credit card application and has not deleted the fraudulent address used for that which is XXXX, XXXX, CA XXXX. It is still on my file, NOT DONE. Letter from them was from the Consumer Relations dept which knows nothing about it, and said it was done, and gave me a phone number only for Consumer Relations., and on the next page all the fraudulent activity was still listed. Delete XXXX and delete this XXXX address and send me a clean copy by mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Novea Portfolio Management LLC
State: CA

Complaint narrative:
I had an Old account with cash call that was sold to a completely different 3rd party company and a completely different scam company started to call me almost 5 times a day and began calling my references and family members who were never listed as references. The person named XXXX was threatening me with legal action and was very aggressive and rude. I dont feel i should have to tolerate any kind of harassment from anyone for a past due account. I think i would be better off filing for bankruptcy at this point because i cant afford to pay this bill at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chexsystems has a bank on my report that should n't be on there. They removed one bank but they did n't remove the other. They should have removed it. It does n't belong to me and I would appreciate them removing it. I am tired of going back and forth with them. I just want it removed.

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 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone. 

There was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I already have a complaint Case number : XXXX, and waiting for your review. I would like to add additional information to the complaint. I contact XXXX by phone XX/XX/XXXX and spoke with XXXX, who stated that she worked in the billing department. I informed her that XXXX ( floor Leader ) claimed that Certegy contact XXXX regarding my dispute, and XXXX ( floor Leader ) stated that XXXX response was that there was unconfirmed conversation or calls relating to complaint about the product that was falsely advertised. XXXX said anything someone call the customer account is noted, and there was a conversation noted about product that I refused and they try to offer me something else, and I reply I call you back. ( the reason I said I call you back, because the conversation was getting debatable with the representatives because I did not want the services ). I have enclosed copy of statement that show that there was a conversation about refunding. On XX/XX/XXXX a transaction was made for {$190.00} under misleading advertisement, XX/XX/XXXX a refund was issuer for ( XXXX ) and it sat there until XX/XX/XXXX part of ( XXXX ) was apply to account that I never authorize or hear of, why would I order a XXXX Standard SSL, without a website. I do believed if Certegy and XXXX had follow the consumer protection law, I would have avoided, embarrassment, stress, credit denial. I call Certegy after speaking with XXXX at ( XXXX ) and spoke with a lady who claim that she needed my bank account and routing number in order to see if a dispute was made, the lady was quoting the same statement that XXXX ( Floor Leader ) had said, after I told him XXXX ( Floor Leader ) said there was a dispute on file. XXXX ( Floor Leader ) said in the beginning that there was no dispute file but when I told him XXXX ( Floor Leader ) said there was a dispute file, then that when XXXX ( Floor Leader ) starting asking for my bank account and routing number, and every since them all the Certegy representatives starting asking for my bank account and routing number in order to see if a dispute was file, I refused cause I thought it was a tactic that will be used against me for payment. XXXX ( Floor Leader ), XXXX and XXXX never asked for my bank account and routing number they asked for my I.D and the state it was issued to pull my account and to see if a dispute was filed. 
I do not trust Certegy representatives at their call center to handle any of my concern going forward. 

Please add this to complaint Case number : XXXX, already on file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Collection Technology Incorporated
State: KY

Complaint narrative:
Enrolled in rehab student loan agreement to stop payroll garnishments ... .made all payments turned in all required paperwork. They stop taking payments out of my personal account. I called them the inform them and figure out why. Agent stated I had been rejected from program due to a " black line '' on my paper work, this stopped them from approving rehab program. I re set up the payments. They start receiving the money from my personal account. My pay roll check Started being garnished 3months after I had to reapply, even when I made the payments out of my personal account. Student loan co stated that they sent the letter after I set up payments in error, however they can not stop it once its started. Im now being told they will never stop the garnishment until all money is paid ... while they continue to take the monthly payment off my personal account.

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 2015-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NE

Complaint narrative:
The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXoll Free : XXXX : XXXXE-mail : XXXXXXXXXXXX : XXXX Contact : XXXX Email : XXXXXXXXXXXX XXXX : XXXXXXXXXXXX OfficeXXXX, XXXXToll Free : XXXXEmail : XXXXXXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes XXXX XXXX XXXX XXXX to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to XXXX & XXXX Services. Consumer has no fiduciary, contractual obligation to pay XXXX & XXXX XXXX anything. There is no payment history, nor products, or services that has been rendered to XXXX XXXX XXXX XXXX because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Collection Technology Incorporated
State: OH

Complaint narrative:
My student loans went into default. I worked with XXXX. XXXX XXXX XXXX to get my student loans out of default. I st up payments with them for a year and then at the year they told me they could no longer help me. My account was then sold to another collections agency with out my knowledge. I have been trying Contact my original loan service to see where the debt had went. They were unable to assists. Said i did not owe. Now my check is being garnished by Collection Technology XXXX XXXX XXXX and when i try to contact them i can never get thru. I have never recieved a bill from the new collecion agency however they were still able to process a wage attatchmnet. I have filled out several applications for loan consolidation and I am not sure which direction I should be headed in and who to reach out for 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 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I live on social security disibility cant afford to pay this the state of colorado medicaid pays my medical and the creditors knew of this so i dont believe that these should be on my credit to destroy it more i am trying to rebuild it and the collection agencies want to destroy it now bill the state of colorado on this if they dont pay then give me a settlement offer of XXXX and i will pay this amount if medicaid dont then the bad marks will dissapear from my report or show paid thanks XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
Filing this complaint towards BSI Financial Services, for double billing of late fee. The borrower, been making monthly payments dating back to XX/XX/XXXX. All monthly payments are been payment by bank cashier 's check. Payments have the standard monthly amount and monthly late fee amount, all included in the payment. For Example : Regular monthly amount of {$2100.00} and monthly late fee amount of {$66.00} for a total payment of {$2200.00}. The payee ( Borrower ), been making payments of {$2200.00} each monthly. The payment covers the regular monthly and late fee. The problem with BSI Financial Services, not crediting the late fees to the Borrower 's account. For the past XXXX seven months. BSI Financial Services Customer/Collection Representative been calling the borrower, and asking when will the payment be made. The Borrower, has questioned the representative from BSI Financial Services, why do XXXX XXXX being billed for {$370.00} in late fees, when the late fees are payment each with the regular monthly payment. The BSI Financial Services Representative " Told '', the borrower 's, the late fees " Will Not '' be credited to the account until the is current, which is the company policy. The Borrower, informed and requested, per telephone conversations with the BSI Financial Services Representatives each month for the past 6 or 7 months ; ( 1 ). BSI Financial Services need to credit the late fees to the account. ( 2 ). The borrower, requested a copy of the BSI FInancial Services Policy, which states, why the late fee are not the credited. ( 3 ). The borrower, informed BSI FInancial Services Representatives, that there action is wrong and if this continues and the late fee are not credited to account, a formal/official complaint with be filed. ( 4 ). As of this date XX/XX/XXXX, the borrower did not received a copy of late fee policy as requested for the past few months. On XX/XX/XXXX, The borrower got Reminder Payment Notice, which shows a new late fee amount of {$440.00}. This action shows that BSI FInancial Services continue to charge the borrower monthly late fees, and still failed to give credit for late fees, which have been already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: BRAZOS HIGHER EDUCATION AUTHORITY, INC.
State: MA

Complaint narrative:
I had a loan through Brazos Higher Education that went into deferment and was being sent to my old address. I was then contacted by XXXX XXXX in XXXX, MA XXXX and reached out to them to make payments and the gentlemen XXXX XXXX at first did not agree to how much I could afford to pay him, so I then contacted to Brazos who agreed to the {$300.00} a month. I ended up out of work for a month due to surgery and received a letter that XXXX XXXX XXXX has put a lien on my mother 's house and trying to garnish our wages. 

I reached to the law firm asking him I could lower payments because I ca n't afford the {$300.00} a month at this time and he said no so I contacted XXXX when then I started receiving emails for the Law Firm saying he will only deal with me through court and is not coming to an agreement with me and when I have reached out to him again he wants nothing to with me, will not give me account number or tell me the 3rd party involved. 

XXXX also says there is nothing they can help with me since they turned it over to the law firm and I all have them emails to show that this has happened and the woman from XXXX 's her name is XXXX she is the only one in the office with that name, said she was reaching out to a woman named XXXX who was reaching out to the Law Firm. 

This is not right as I have a another loan with XXXX paying {$50.00} per month and have never had an issue with them. I believe I am being mistreated severely. I am dealing with a hostile law firm who wo n't agree to let me pay what I can afford.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-01 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: Convergent Resources, Inc.
State: NM

Complaint narrative:
In XXXX I closed my XXXX cable account by paying what I owed in full. I would not have been able to closed the account without paying what I owed first. 

I received a bill from XXXX XX/XX/XXXX ( over two years later ) stating that I owed {$180.00} without any documentation as to why I owed this. I contacted XXXX Customer Service and was informed that they had just updated their software systems and they alleged that I owed the {$180.00}. I told customer service i closed my account two years ago and it was paid in full at that time. Customer service could not provide me with any information as to why I owed this debt two years later, other than that there was a computer glitch. As far as I know, a company ca n't just make up a debt and say you owe it without physical evidence. 

A week after I received the bill from XXXX XXXX, My alleged account has now been turned over to a collection agency called Convergent on behalf of XXXX XXXX, stating that I owe the {$180.00} and need to pay it immediately. 

These are the alleged account numbers ; XXXX account number XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Convergent Outsourcing, Inc. account number XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I do not owe this money, and I request that you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
My mortgage was originally With XXXX XXXX, then sold to XXXX, sold to XXXX and then sold to Bsi financial. Bsi financial does not answer their phone, return calls, and they lose documents submitted and Certain departments of BSI do n't even see me as a consumer. I keep submitting that I have insurance on my condo and when I call the insurance department of BSi they say no loan exists in my name. I could be making payments and sending my information to where? Also my interest rate keeps increasing every year. I can not afford this and when I submit paperwork they tell me it 's not valid or expired. I do n't want to lose my home. Today I waited 2.5 hours on hold and then a message came on to leave a voicemail ( I have done so and emailed but never hear a response back ). 
I was also told that my person of contact is a XXXX XXXX, I have called him, left messages, to no avail since XXXX. I can not connect with him. 
Something needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hatfield Portfolio Group LLC.
State: PA

Complaint narrative:
A XXXX XXXX from Hatfield Portfolio Group from phone # XXXX called me on XX/XX/XXXX and asked for a XXXX XXXX. I told XXXX XXXX that XXXX XXXX is my ex-husband, our divorce was final XX/XX/XXXX. I gave XXXX XXXX XXXX 's current address and phone numbers and told him his new wife 's name. XXXX XXXX said he appreciated the information and said he would remove my name and number from his paperwork. Again today, XX/XX/XXXX XXXX XXXX again called my phone number and left a voice mail message asking for XXXX XXXX. I called back and got his voice mail. I left a message reminding him of our conversation a few days prior and that he was to not call my number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX my husband signed a contract with XXXX for phone, internet and television service. At the end of the contract we returned all of the equipment in person and paid the balance of {$150.00}. We had received several Debt Collectors letter to pay the same amount. Unfortunately, those letters I shred because we went to XXXX and spoke with XXXX of the employees who checked and saw that we did not owe anything. I even called at another time and spoke to a female supervisor who apologized and said this will not happen again. So I took her word and destroyed the letters.The last time I went to XXXX office was XXXX/XXXX/XXXX after I received another letter from XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. I spoke with a XXXX XXXX and she told me everything was paid up and that she will inform her supervisor and that we should n't be receiving any more letters. Yea, right. I have another later dated XXXX/XXXX/XXXX from Convergent Outsourcing, Inc. still claiming {$150.00} on behalf of XXXX. My husband is a sick man and we are tired of this harassment. There were different times they threatened that they will disconnect our service. Since the contract expired we have not used XXXX because we have another service provider. Please help.

Company response to consumer: Closed with explanation