vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Thanks, On Friday XXXX/XXXX/2016, I left my job and went to my bank XXXX XXXX XXXX XXXX XXXX and attempted to get {$20.00} for gas. I noticed that it said XXXX dollars, so I went in and talked with a teller. They could not tell me what was wrong as they reported my account was zero. They provide a number for me to call XXXX. As I contacted this number it was outside of the business hours so then I was advised by XXXX XXXX XXXX to forward this issue to the following Monday. I called on Monday with the reference code number XXXX and was informed to then call XXXX which is a company debt collection for XXXX and XXXX attorneys who claimed that they did not receive my financial report last year which is about six months ago detailing my financial output so they could put me on payment plans. They also provided their fax number XXXX by which I kid facts them another financial report as I receive their template in the mail which is approximately XXXX hours from now. I spoke with XXXX XXXX extension XXXX at XXXX. She is now handling this case and said that there will be a possible review to refund the money that they seized, but no guarantee. This has come at a loss to myself and my son as well as I feel that I was misused because I followed all of their rules to comply with signing my financial plan and mailing it to them about six months ago. It is against the law to take all funds away from the consumer so I would love your support on this matter I could be reached at XXXX sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: MD

Complaint narrative:
I am a short sale negotiator negotiating a short sale. A short sale is when a property is worth less on the market than is owed ( i.e : home is worth $ XXXX and Seller owes $ XXXX ) and the seller is going through financial hardship. The bank will approve to waive the deficiency if the seller can present a buyer. 

My seller owes XXXX to her XXXX mortgage, XXXX and XXXX to her XXXX mortgage, 21st Mortgage. The house is work XXXX. She is behind on payments for almost a year and is well in the foreclosure proceedings. XXXX has just approved the HAFA short sale ( government program ) for XXXX to the buyer we are under contract with now and is giving the MAX amount that the XXXX mortgage is allowed to receive by HAFA regulations : {$8500.00}, which is much more than the general rule of thumb where they receive 6-10 % ( I have never seen a payoff to the XXXX reflecting more than the 10 % ) of the remaining balance ( XXXX-XXXX ). 

21st Mortgage is REFUSING the {$8500.00} and is saying they will not approve short sale unless they receive the XXXX, which XXXX CANT even give, even if they wanted to. The seller is not legally able to give the XXXX ( even if she had it ) because the whole reason a short sale is approved is because she does n't have funds to give to the XXXX mortgage. 

21st Mortgage would RATHER have the Seller go into foreclosure and receive {$0.00} ( all proceeds would go to XXXX NOT 21st Mortgage because the amount owed is much more than the property is worth ) than {$8500.00}. Keep in mind XXXX ca n't even give them the insane amount of funds they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I took out an online loan in the amount of {$5400.00} on XXXX/XXXX/2015. I have since paid a total of $ XXXX-with monthly payments of {$490.00} ( and XXXX still due ). When speaking to the rep on the phone I was advised the interest rate was 110 %. In later review of the loan docs I am finding that is an annual percentage and the total amount paid back ends up to be {$42000.00}, this is obviously not what I thought I was in for. In recent research I am finding these types of loans are not only unethical but illegal in the state of CA, Please review to determine if anymore than the principal balance is legally due. I can not pay $ XXXX and not sure how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
I received a Notice of Intent to Cancel from my Homeowners Insurance Company, XXXX XXXX XXXX XXXX of Florida, dated XXXX/XXXX/15. It stated that the premium in the amount of {$730.00} is due by XXXX/XXXX/15. My original mortgage was with XXXX, XXXX, XXXX, XXXX, AL XXXX. My loan was transferred to 21st Mortgage Corp., XXXX, TN XXXX, effective XXXX/XXXX/15. I have continuously made my mortgage payment which included my escrow payment. Obviously, 21 Mortgage have not been making the escrow payments. I have not received an Escrow Statement either. Also my fixed rate Mortgage was increased by 21 Mortgage from {$810.00} to {$810.00} with no explanation, effective XXXX 2015. I do not understand what this company is doing or why. Could you please advise me how to handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I returned my equipment to XXXX and they send my account to collection to paid for some items who was returned. Now I received some harassment calls for a collection agency with treat and sanction of jail. I do n't own this money to anyone and I want this calls to stop.

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 2015-07-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
Inaccurate closing documentation was signed at closing. They set our loan up knowing we could n't afford the payments. We were told to just make the payments for 2 years and then refinance the loan to where we could afford it. After many complaints to them they have yet to resolve setup and delivery issues. We had to hire an attorney to help get this fixed. We tried to get them to modify our loan to make it more affordable and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
I 've been working with American Medical Collections company to facilitate the resolution of some laboratory charges. In this I have asked on XXXX separate occassions to be called after XXXX pacific time during which I 've worked with them on several tactics to resolve this. They continue to call me during working hours despite this communication and have been push XXXX. 
The billing problem originally occured because the lab I was scene at did n't validate my address or my insurance info. I went to collections without ever receiving a bill or phone call. Once in collections, I requested the original biller 's address and my account number and sent a photocopy of my insurance card so they could bill the correct insurance. 
AMC left me alone for several months while we waited for this to resolve the issue. Apparently my letter was ignored because I received more calls recently ( again, during my working hours despite the notes I asked put on my account ). 
The last polite call I received said they would mail me a form so I could forward it to the insurance company myself. After XXXX I have not received the form and got more pushy calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: American Profit Recovery, Inc., Marlborough, MA Branch
State: CO

Complaint narrative:
I was not aware of a debt that we owed to the bank account we had that was closed. Seems that a couple of companies tried to process payments through the closed account so it in turn accrued a balance. Well they forwarded it to a collection agency. Now I had XXXX accounts XXXX was with my husband the other with my son. They are calling my son trying to say that he owes {$1000.00} but they are combining the total from both accounts and he was only on XXXX and the balance on that was like {$400.00} or so. They keep calling and harassing and I am in the process of sending a letter to stop the calling so that i can figure out how to resolve this but they insist on calling and being rude and disrespectful and threatening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Charlottesville Bureau of Credits, Inc
State: TX

Complaint narrative:
Medically billed while in military full coverage as XXXX XXXX XXXX. XXXX since XXXX XXXX XXXX. XXXX coverage, never received a bill or notification to collect a debt. 
Valley Credit Service contacted me and stated they will correct the mistake in XXXX XXXX. 
The debt collector is Valley Credit Service XXXX XXXX. XXXX XXXX XXXX, VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation
State: PA

Complaint narrative:
A collection agency is calling my parents and my ex 's mother and they are harassing them daily then they stop for a few weeks and start calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: OH

Complaint narrative:
This company calls me continuously, but more problematically : they make you fill out an inquiry form with your bank account and social security number when you call them back before they will even disclose whether or not they are calling for you! I refused, because the debt they have been continuously calling me about is not even mine, but belonged to the person who had my phone number previously. They call on weekend mornings, and while I 'm at work. I just think its sketchy that they would ask for such private info.

Company response to consumer: Closed with explanation
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 resulted from identity theft
Company: First Data Corporation
State: TX

Complaint narrative:
My bank account at XXXX was hacked the end of XX/XX/XXXX and a fraudulent ( electronic ) check was written to XXXX for {$280.00} for check XXXX ( which I never issued ). I instantly went to my bank and account was closed. I got confirmation from XXXX that it was fraud. The end of XXXX I got a Notice from TRS Recovery Services that they were going to collect my XXXX debt ( + fees ). I contacted them and per their request I printed an Forgery/Identity theft Affidavit from TRS and had it notarized by my bank. The package ( affidavit, note from TRS and prove from my bank ) was faxed on XXXX. Fax receipt by TRS was confirmed. I called today XX/XX/XXXX multiple times to ask the status and they claim they have n't received anything from me. Phones are disconnected, or are terrible quality. Additionally they mentioned that there was another case pending for {$190.00} for which I had not received a notice from them. This was a fake check with a fake name and DL from a non-XXXX bank ( XXXX XXXX, I think ) but with my bank account / routing. Very clearly fraud. Also here the bank re-imbursed me and held me not liable. How can they loose evidence sent to them by ( confirmed ) fax )?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: First Data Corporation
State: ME

Complaint narrative:
On XXXX XXXX I wrote out a check for a vehicle purchess and after receiving the vehicle I found out there was more wrong with it than I was told, so on XXXX XXXX 2017 I called my bank to cancel the check I wrote. I talked to my banks customer sevice and requested a check cancelation and the person told me my check was canceled and would not be able to be cashed and be back in my acoount in 3 to 5 days. After 3 to 5 days with no funds returned I called my bank again to find out what was going on to find out that they had cashed check and there was nothing I could do about it because I have no control of my own money. I had to call my bank 3 more times to get the paper work sent to me to file dispute. I faxed paper work in on XXXX XXXX after receiving it on XXXX XXXX 2017. They sent me a denial letter dated XXXX XXXX 2017 the same day I faxed paper work back to them. What right does my bank have to tell me what to do with my own money and how to use it after I was initally told my check was cancelled!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: First Credit Services Inc.
State: NJ

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) without any notice or warning reported to the credit bureau that I owe a balance of {$150.00}. First Credit Services ( XXXX ) is the collection company they reported the debt to, which when I called could not pull up my file or give me any information. 

When I went to XXXX I showed them documentation that I paid a continuous membership fee ( using my credit card statements ) until XXXX XXXX at which time the contract was already a year old and could cancel with no fees ( I have their policy ). The debt was reported in XXXX XXXX which makes no sense in the middle of a service contract. 

I was told by XXXX XXXX it is a problem with their billing and they can not do anything to help me. This is unacceptable and they could not explain why I was even charged. I need help in order to resolve this. I need to get this debt taken off my credit report and I need it to disappear due to the fact I do not owe it and have the documentation to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: North American Credit Services
State: FL

Complaint narrative:
NACS, North American Credit Services calls to collect debts and uses " XXXX XXXX '' as the name of company calling.

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 2015-12-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North American Credit Services
State: FL

Complaint narrative:
This bill is for lab work as part of a physical that would be covered @ 100 %, however, it wasnt billed correctly. The doctor was to bill this as well visit, I have advised them several times that they need to re-bill this, however, they have refused too and sent to to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I filled a complaint with the CFPB against Shellpoint Mortgage Servicing and their representative XXXX XXXX XXXX XXXX XXXX XXXX responded for Shellpoint with verifiable FALSE answers. XX/XX/XXXX to cover up Shellpoint 's violations of CFPB & State of California Loss Mitigation laws & Regulations. XXXX XXXX XXXX never sent his response to me because of his incriminating statement contained in his letter. Upon discovery I sent an immediate protest letter to Shellpoint for illegal & wrongful denial of my XX/XX/XXXX Loss Mitigation application. ( Letters, attached dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XXXX XXXX XXXX & Shellpoint intentionally reversed my complete " Application Status of XX/XX/XXXX in retaliation for my CFPB complaint filed XX/XX/XXXX

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 — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North American Credit Services
State: FL

Complaint narrative:
paid the account in XX/XX/2017, It was removed, then in XX/XX/2017 it was put back on credit as a open collection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I received a phone call from ShellPoint Mortgage Servicing on XXXX at XXXX asking me to verify personal credit information and they referenced me to my previous foreclosed home at XXXX XXXX XXXX XXXX XXXX Il XXXX. The company Shellpoint mortgage servicing also know as Resurgent XXXX Servicing was a company inwhich I had a second mortgage and I filed Bankruptcy on or about XXXX inwhich the debt has been wiped out. 
They continue to call and harass me when they had a copy of my credit report which verifies and shows that I filed bankruptcy and the debt had been dismissed. I told them to stop calling me and harassing me to put me on their do not call list but they continue to call and harass me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: WA

Complaint narrative:
They called while I was at work ; they knew that. I asked them for the address, quietly and repeatedly to where I could send the money. She kept trying to force me to give her a " post dated check '' over the phone ; even after I explained that I could not do that because I was unsure when the money would get here. She then stalled to keep me on the phone to ask for information she clearly already had, phone number, email, etc. To be really honest, if I can close on this home within the next 30 days ; because of this persons actions ; I would rather take out bankruptcy rather than give them the {$110.00}. I know that seems stupid ; but she knew that what she was doing was wrong.

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 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: TX

Complaint narrative:
Received call from this number XXXX times, on XXXX different days. 
I answered on the XXXX call, which was in the evening, it was an automated voice recording. The automated voice had me press XXXX to talk to representative. Another voicemail recording stated that the company was RG Financial? When the company (? ) called the XXXX time, during the day, I answered, the same automated voice recording was heard. This time after choosing the option to talk to a representative, I was put in contact with a person who simply answered the phone by saying " Hello ''. I asked who the person was and what was the purpose of the calls. I was told that this was a collection on a ( 1 ) payday loan from 2009, ( 2 ) that was deposited to an old bank account I had, and ( 3 ) was tied to an old address back in 2009. She mentioned that the company has everything they need to pursue legal actions, and asked how I wanted to handle the situation.I asked that she provide me with a written copy detailing this " debt ''. After I repeatedly refused her attempts to get me to change my mind and offer payment immediately, she said she would have something sent out to me in 30 days and hung up. If she has my old address on file, how will she have something mailed to me? Also, the company has my current mobile number, but not my current mailing address? I have no knowledge of this loan, and as a precaution, I have pulled my credit report and search for any delinquent accounts. I also check older credit report copies I 've saved that were acquired after 2009, and nothing shows delinquent from a payday loan account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: Kriya Capital, LLC
State: CO

Complaint narrative:
They call me multiple times a day for a debt that was already taken care of. I have asked them numerous times to verify this debt, and their response is just the amount I owe. Then they try to barter with me and say if I can pay half, they 'll close the account and not send this to the credit bureau. Since they are haggling with me on what I can pay, and do n't verify this debt - I believe this is a scam.

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