vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Apex Resolution Group LLC
State: SC

Complaint narrative:
Apex Resolution Group XXXX XXXX XXXX XXXX continues to harass me and even threatened court proceedings. The calls continue after I have informed them of their misconduct. They have purchased a worthless debt from another company who bought it from another company etc ... .etc. They have threatened to " TELL MY MOM ON ME '' ( she is deceased ). This company has repeated my social security number over and over in an effort to cause tension over the phone. They also verbalized a list of names of former women with whom I have had relationships. They accused me of defaulting on loans that were completely paid off by me. I am a XXXX XXXX XXXX XXXX man and this company should be held accountable for their inappropriate and unprofessional practices. This debt for which they are calling was settled approx. 5 years ago with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. The settlement amount was for {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
We currently have a loan through XXXX. Because we wanted a by-weekly payment plan the loan payment is handled through XXXX XXXX XXXX XXXX. ( Formerly known as XXXX ) When we contacted them because we had no record of them deducting our payments, they told us that payments were being made on schedule. We asked for a statement and were told that they ( eq.accel ) do not provide statements. Tried to register online and cooincidentally we ca n't register our loan. We smell a " Rat '' and are asking Consumer Finance Bureau to look into this. Are they not required to provide a statement or method of record keeping on payments being credited to our home loan? BTW we would never do business with XXXX again. We experienced nothing but grief at a number steps. Not because of our house value or credit history but their " we do n't care '' attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Could n't pay a loan company for a loan due to lost job, explained I was working part time, will begin payment around the XXXX week of XXXX in low installments, did n't give amount due to was n't sure of my paycheck and other priority bills. This was explained to representative who called, last week or the week before. I notice that they attempt a new draft for a different amount to my bank. I made myself clear to them that I had no other choice or money to pay them, they are causing more issues with my bank account which was to be closed and was n't by the bank themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
About XXXX months ago, my mortgage processing company started removing the balance amount of my mortgage loan. I called a month ago and was told this would be corrected but it was not. The monthly statements do not provide the remaining loan balance. Company is Bayview Loan Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
Our mortgage lender, Bayview Loan Servicing, has failed to pay our property taxes. Property taxes and insurance are included in our monthly mortgage payment and placed in escrow. Our payments are up to date and we are in good standing. We received notification from our XXXX 's tax office stating that our taxes for 2015 were n't paid. After repeated attempts to resolve this issue, our taxes have still not been paid by Bayview and as a result, a tax lien has been placed on our property which will result in foreclosure if not promptly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
My son, XXXX XXXX and his girlfriend XXXX, ordered a dog on XXXX for {$270.00} on XXXX XXXX. The seller on XXXX XXXX " XXXX '', email address XXXXXXXXXXXX, phone number XXXX XXXX XXXX XXXX. The western union transaction was sent to XXXX XXXX from XXXX XXXXXXXX # XXXX. The seller told him to western union the money and he will receive the dog the next day on XXXX XXXX, 2016. After sending the money, my son got a call from someone ( XXXX ) requesting additional fees of about {$800.00} stating that the dog was stuck in MN and they needed the money to purchase a special crate for the dog. My son called me frantic. I called the seller and began questioning me as to who I am, then hung the phone up. I called Western Union and began filling out a Fraud claim but was told by WEstern Union to call back in 15 days. Today, I disputed the charges with my bank. 

I am not certain that anything will ever come out of this and my son has lost his hard earned {$270.00}. Not knowing what to do, I have decided to contact you for assistance. Any help you can provide would be greatly appreciated. 

thank you. 

XXXX XXXX XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Machol & Johannes, LLC
State: NM

Complaint narrative:
1. In addition to not receiving notice of right to dispute, 2. The law firm Machol & Johannes LLC is repeatedly submitting legally insufficient filings to the Defendant ( s ) they serve 'Complaint For Money Due. ' For example, in order for the 'Complaint for Money Due ' to be legally sufficient their filings fail to comply with Rule XXXX ( XXXX ). Machol & Johannes LLC did not attach alleged contract to the complaint, as required by New Mexico law, nor did they serve the alleged contract with the complaint. Therefore, it is legally insufficient if the 'Complaint for Money Due ' does not have the alleged contract attached. They MUST be served together to be legally sufficient. Machol & Johannes LLC does not comply with Rule XXXX ( XXXX ). They do not attach the alleged contract to the 'Complaint for Money Due ' that results in their improperly serving Defendants. 
3. Machol & Johannes did not prove ownership that it is the holder in due course thru chain of title, as also required by law. 
4. Instead, Machol & Johannes attached their XXXX Offer Form to make payment arrangements to 'Complaint for Money Due ' that was served to defendant instead of the legally required alleged contract. This is a deceitful business practice and an attempt by Machol & Johannes to make their payment form appear like a 'legal ' document. This is shameful that the New Mexico courts, do not carefully review how Machol & Johannes are serving defendants. 
5. Machol & Johannes take advantage of Defendants who are not represented by attorney because they assume Defendants do not know the laws and or court rules. 
6. Machol & Johannes attorney, XXXX, continued to send me excessive emails after I notified her not to contact me via email due to security/privacy issues. XXXX ignored numerous emails to discontinue communication via email and to continue to contact me by regular mail instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: AR

Complaint narrative:
I received a bill in the mail for a medical debt. this debit was paid. I sent a letter to the collection agency to send me a itemized bill with all the breakdowns of this debt. I sent a letter back within 5 days of receiving the bill asking for all the medical proceeders that were done. I never heard from the collection agency. it has been 90 days from receiving. now on my credit account it shows up as a open collection. just on XXXX and not on XXXX. what I would like is to have your complaint department to look in to this and if you can have it removed from my credit account. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I was enrolled in Paymap, Inc. 's Equity Accelerator program through a variable mortgage I had with XXXX. I received a letter dated XXXX stating that a settlement had been reached between Paymap and the Consumer Financial Bureau ( AP File No. XXXX ) and I was due program fees, but had n't cashed the check yet. I had never received the check, but the letter included instructions to get a replacement check. I sent an email with the requested information to the appropriate email address on XXXX. I got an automated response saying that my request was received and being reviewed. It got to be XXXX and I had n't had any other correspondence from the company. I called again and the rep on the phone did n't have a lot of information other than that many replacement checks had n't gotten to people and I should submit my information to the email address again. I did this on XXXX, but got an automated response that the deadline for requesting a replacement check had passed. As a result, I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
This debt collector has been assigned to collect a debt for XXXX/XXXX that is involved in an FBI fraud investigation for a year and half now. I have sent this complaint to you about XXXX and you have DONE NOTHING. Now they have sent this to a debt collector. I wrote them back with supporting documention which includes my FBI Victims Letters and the XXXX banks that have released me from XXXX fraudulent accounts in my name. 

You as the CFPB have done NOTHING to protect the consumer, you have done EVERYTHING to protect the credit card company. I 'm not sure what you people do n't understand, and it 's obvious I 'm a victim or the FBI would not be involved I expect you to do something this time and have this creditor along with XXXX quit harassing me and call the FBI which they have NEVER done and release this debt and take it off my credit report as a charge off They have ruin my once STELLAR credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I have received calls from this number on my personal phone, and at my place of employment. The XXXX caller was a gentleman, and he would not give me his name or the name of the company he represents. He only said that he works with a locator service and he needed to verify my address so that I would n't miss a court day. He also wanted me to call a certain number. At that time I told him that I could not give him any information since he had n't given me enough details. He went on to tell me that a complaint had been filed against me and he gave me no specifics, and that he wanted to make sure I did n't miss a court date. He claimed that he 'd sent information to my home and it was returned. I have lived in the same home for about XXXX years, so I did n't believe him. Today I received a similar call, but this time a lady left a name. She also said that she was calling from a locator service. She said her name is XXXX XXXX, and she could be reached at XXXX XXXX XXXX XXXX, Ext. XXXX. The message she left said that a complaint had been filed against me, that I had been " serviced this morning '', and that she would be calling the human resources or risk management at my place of employment so that I can be served on site without incident. The work day is over and I have not been 'served '. She also called me at work today, and she called my employer as well. She also called a relative, and left a message. When I called the number left on the message, the recording said the name of the company is Bayview.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Problems Reaching Asset Manager, Problems with Lost Hamp Modification Packages sent to Bayview Loan Servicing. 
I have sent several qualified written request via emails regarding lost Hamp Modification Package Applications. ( See Exhibit I emails to Bayview Loan Servicing regarding reaching Asset Manager and Lost or misplaced Hamp Packages ). 
On Saturday XXXX XXXX, 2016, I emailed another " Hamp Modification Package Applications '' due to the XXXX 2016 and XXXX 2016 Hamp packages that were mailed were lost or misplaced ( Another Asset Manager indicated when the packages go to Florida, which was the prepaid envelope sent to me that sometimes they are misplaced or lost so she indicated for me to email the package to my Asset Manager XXXX XXXX. 
On XXXX XXXX, 2016, I received an automated response that my Asset Manager would contact me within 24 hours of her return on Monday. It is now XXXX hours and no response. Upon calling my Asset Manager XXXX XXXX, the message indicates, that on Wednesday she will be there until XXXX. and then she does n't return until Monday, XXXX XXXX, 2016. 
The problem I am facing is I have a XXXX husband and Bayview Loan Servicing has a foreclosure dated on our home, XXXX XXXX, 2016, this foreclosure has remained although we have sent in three previous Hamp packages. This package emailed will be the fourth package. Please have someone call me about cancelling the foreclosure sell date on my home until my HAMP modification package is processed. Thank you for your time and trouble. 
In addition, due to Bayview having all my phone numbers preprogramed to go to only to my Asset Manager XXXX XXXX, I have to go borrow a neighbors phone to follow the directive XXXX XXXX left on her voice mail today to not leave a message but to call customer service. You can reach me at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
First Merit Bank has charged hundreds of dollars in inactivity fees. Upon realizing this, I decided to make a payment of {$100.00} from the account, which would take the balance down to a minimal amount ( and, presumably, avoid the inactivity fees ). Most recently, XXXX separate inactivity fees - {$35.00} each, {$70.00} total - which hit my account at the same time as the {$100.00} payment I attempted, caused the account to be overdrawn. It does not seem right that they can cause my account to be overdrawn as a result of their fees. Any assistance would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Sortis Financial, Inc.
State: MI

Complaint narrative:
I am contacting your organization to inform you of the outrageous and blatantly illegal loan servicing practices of ClearSpring Loan Services. They have illegally foreclosed on my home without following proper foreclosure protocol and notification as required by Michigan law. They then sent out a letter two months AFTER the sale acknowledging that my loan was delinquent ( state law requires this letter to be sent out prior to the sale ) and that they wanted to work with me towards a modification -- -even though the house was sold at auction on XX/XX/XXXX. So I know that something is up. 

Clearspring lied to me, misled me and made misrepresentations to me. My first piece of evidence is the recorded phone call from XX/XX/2016 when their representative XXXX was asked the question, " is there a sale date on this property? '' approximately 3:20 into the call. She said she would look and then responded at approximately the 4 minute mark of the phone call that there was not a sale date at the time. ( sound file of call attached ) However, the property was sold at foreclosure auction on XX/XX/XXXX. Not only did Clearspring fail to notify me, they also failed to publish the notice of sale in the newspaper as required by law for the requisite 4 weeks. Then to further illustrate the amount of fraud being perpetrated by ClearSpring a letter was received on XX/XX/XXXX ( attached ) from ClearSpring, informing me that my mortgage payment is now more than 30 days past due and offering to try and work the situation out. 

Under Michigan law this letter was supposed to be sent PRIOR to the sale. This is a futile attempt by ClearSpring to cover their tracks. Even more unbelievable is that XXXX sent a package to complete so that I can be reviewed for loan modification, even though they told me that my house was already sold and that I am only still there because of the redemption period and that I am still in the house because there is a redemption period in Michigan. This company is being sued in Michigan as part of a class action suit for violations of the FDCPA ( Fair Debt and Collection Practices Act ) because they have engaged in this same type of behavior in the past. They have XXXX agents, XXXX and XXXX who have repeatedly given us the runaround and failed to explain what is going on. They have attempted to state that the home was auctioned off because the bankruptcy was no longer active, yet for some reason ClearSpring did not follow the notification laws as required in the state of Michigan. 

I make enough money to afford a reasonable payment and was engaged with ClearSpring in the modification process when I was blindsided with the news that the property had been sold. This is obviously a mistake, or they are purposely misrepresenting the status of homes to the owners in order to conduct an illegal foreclosure. Either way, it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I paid XXXX in full in XXXX 2012 after they left defective exchanged mattresses, boxsprings on my sidewalk outside my building which is illegal in XXXX due to bedbug epidemic, I stated that I would take XXXX to small claims court if they did not reimburse {$500.00} I had to pay for immediate removal as they would not send drivers back to pick up. Also, originally XXXX 's claimed they did not receive returned merchandise, but that is because their drivers dumped on my street. After numerous calls to XXXX 's corporate, I paid in full and closed my account after speaking to corporate minus the {$500.00} I had to pay out of pocket. Now it has been 3 years and debt collector seeking original debt plus the {$500.00} I paid out of pocket and an additional over {$1000.00} in fees. This was paid and closed in 2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
I recently checked my credit report, and I made an attempt to pay off or settle all of my debt. There was a listing from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. This was in reference to an account with XXXX. I called the company and settled my debt with them. I received a paid in full letter, and I disputed the information with all XXXX credit bureaus to get them to update my credit file. On XXXX/XXXX/2015, I received a phone call from Receivables Management Group, XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. They informed me that they have received an account from XXXX XXXX XXXX, and wanted to know if I wanted to pay them before they put the collection on my credit file. I informed the lady that I had already settled the debt, and that I was not going to pay for a debt that had been settled. I told them that it was illegal to try and collect on a paid debt. She told me that they received the account in XXXX of XXXX. I told her that she needed to contact XXXX. and figure out why they sold them a settled debt. The lady then begins to tell me to produce documentation saying that I had settled the debt. I refused to do so, and demanded that she settle this issue with XXXX. I then informed the lady that I would be filing a complaint on her and the business for trying to collect on bogus debt, and she hung up in my face. I wish to file a complaint, and be compensated if possible for the harassment that I suffered from XXXX XXXX XXXX and Receivables Management Group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This Debt was paid in Full in XXXX of 2015. They are still reporting it as a {$0.00} balance but has not till this day changed that it was Paid in FULL and it 's closed. I have suffered and repeatedly disputed this from the XXXX credit buerus and still have not takin any action. I do n't understand why it takes a year and till this day keep reporting it as open and {$0.00} balance. I also asked for it to be removed because of the inaccuracy and they told me no

Company response to consumer: Closed with explanation