vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
I had bundled my account with XXXX for internet and XXXX when I first set up my account with them. My account was bundled without my permission or knowledge. I was not aware of this until I noticed a credit on my account of {$100.00}. I called they said I owed {$180.00} for the new stand alone account for XXXX then it was reduced to {$75.00}. I spoke to a rep XXXX on XXXX/XXXX/2013 who did not know why they split my XXXX off my account so he applied the credit of {$100.00} from my current account to my XXXX bill. Then I started receiving more bills for the account I did not open so I called and spoke to another rep XXXX then the manager XXXX on XXXX/XXXX/2013 who insisted I owed this to them he would not listen to me when I explained that this should have already been cleared up as their error not mine. Since then they have sent me to collections for the {$75.00} that I do not owe. I have been fighting this since 2013. I had it removed from all XXXX credit bureau 's last year but they moved the claim from XXXX to Stellar Recovery Inc. and it 's back on my credit again. I spoke to XXXX at Stellar Recovery Inc. XX/XX/XXXX and explained what happened so she disputed it. Even though they have no history of the account or this charge they will not remove or close the collection or stop sending me to collection for it. I have exhausted all efforts to clear this up only to end with the same result. I do not owe this and would like this to be resolved once and for all. I have all this documented from the time this started to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc.
State: MO

Complaint narrative:
Amcollent showed up on my credit report. I do n't owe anyone. My bills are paid on time. Also I have never lived onXXXX XXXX.

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 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Praxis Financial Solutions, Incorporated
State: CO

Complaint narrative:
FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, Praxis Financial Services, the credit bureaus is not accepting their letter. PFS consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact praxis is not willing to contact the bureaus or help rectify the issue is a red flag.

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 2015-04-09 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: ERC
State: KY

Complaint narrative:
I received XXXX services about 5 years ago. It did not work properly with the dvr and other functions so I called them to fix the problem. They sent a couple tech reps out to fix the problem with out resolution. I called them numerous times top fix the problem but no one showed up. I called to cancel the service. They wanted to fix the service and said they would charge me an early termination fee if I canceled. A XXXX representative showed up and could not fix the problem. I canceled the service after numerous attempts to fix it and months without the correct service I was paying for. I was patient and feel I was robbed. They quoted me a price the XXXX month and it almost doubled by the XXXX month and was still getting no service. They have turned me into the credit bureau and I am disgusted and do n't know who to turn to for help. I do n't understand how they can get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
. Under fake indentify card she got money via Western Union Bank in XXXX. Her name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identfy card is fake confirmed by XXXX in XXXX. My case had been investigated by XXXX XXXX XXXX Senior Legal Analyst Western Union LLC, XXXX, REF XXXX. XXXX XXXX XXXX XXXX wasnt able to determined who was real receiver. As XXXX XXXX XXXX stated, the named payee presented identification and the transactions were paid correctly. Please help me and contact me by email XXXXXXXXXXXXMTCN XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXMy case number XXXX XXXX XXXX XXXX XXXX Fee Fraud SectionEconomic and Financial Crimes XXXX, XXXX XXXX : XXXX, + XXXX : XXXXEmail : XXXXXXXXXXXX : XXXX XXXXSpecialist Customer AdvocateOffice US : + ( XXXX ) XXXX ext. XXXXOffice Intl : + XXXX XXXX XXXX XXXX ext. XXXX : XXXXXXXXXXXX. XXXX is able to cofirm, that nobody recieved money in XXXX. We have difference of opinion between me and XXXX XXXX about money transmitance. I cant agree with such manner of money transmittance that it was absolutly enough to know MTCN and answer to questions, the other - name. surname, address, country is not important. I have sent money only to XXXX XXXX, and only to XXXX. Money took a strange payee, who was???? This person XXXX XXXX is not going to find out till now!!! Please help me and contact me. I look forward Your reply as soon as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Patenaude & Felix A Professional Corporation
State: WA

Complaint narrative:
This debt went to collections, to the firm Patenaude & Felix, A.P.C. They sent me a judgement balance for {$14000.00}. This was paid via wage garnishment. After the garnishment was complete and the judgement balance paid, I received another letter stating that the judgement balance for the same case number was now {$1700.00}. I asked for documentation for that was for and was verbally told that it was interest. I asked for documentation of the interest rate etc.. and was told that none would be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I received a call from XXXX with Phoenix Financial Services in regards to a debt of {$1000.00}. Information was given all at once and a payment was immediately demanded. I informed XXXX that I did not understand all of the information and began to ask questions- such as who reported the debt, how much is owed, by when, and the company name. With each question XXXX would raise his voice and shout the answers over me as I was talking. I informed him that I was a college student, and that I would speak with my Husband regarding the bill and asked to call him back. On this phone call I was presented with the amount of XXXX. 

When I called back in, I advised XXXX that I would have {$400.00} from family, but that I did not know when I would have the rest. He advised for the second time " your doctor will only settle for XXXX % off the original bill ''. Since this was the second time I heard this statement I asked for my doctors name. The question went ignored. I then asked again, and I was advised " the company will not settle. '' At that point I believed that my doctor was over my debt, not the company. I then was informed that Phoenix Financial Services had bought my debt. In the attempt to settle my debt with all companies, I asked that my bill be sent to me in writing. XXXX offered an email, and I declined. I expressed my fear that in the future my agreement may be revoked, and that an email would not be accepted- as emails can be altered. He denied saying he could not mail it to me. At that point, I again requested it in the mail. He said no, and that he was taking my discount off the table. Because I was threatened to pay more, because I requested a bill- I knew it was time to talk to someone higher up. I then requested a supervisor, because XXXX had begun yelling that a bill was already sent. I explained that although a bill had been sent, I had yet to receive it- and that I wanted an updated copy so that I could send in the agreed upon amount. At this point I was threatened because I requested a bill, then I was yelled at. If this is not abusive language- I do n't know what is. 

I spoke with his supervisor, XXXX who had no issue mailing out my bill. I advised her of my concerns- but no action was taken agains XXXX treatment of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
i called them asked for proof of what debt was they told me some old hospital bill i asked for information from them so i can prove it wasmt mine amd was due to identity theft they refuse to send me info refuse to remove it its fraude they XXXX its from years ago i was a victim of identity theft and theybrwfuse to help or remove 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 2016-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
I have recieved collection notice on a XXXX loan. Over the last few months i have continuely notified navient that i have submitted a " defense to repayment '' because i am a victim of Fraud by the XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed the loans and want collection stopped. 

Reference number 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 2016-06-15 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: ID

Complaint narrative:
My mortgage loan was being serviced by XXXX XXXX XXXX for the past 5+ years. I filed bankruptcy under Chapter XXXX in XXXX of XXXX. I was not in arrears, and my plan indicated I was to pay my mortgage payment monthly outside of the plan. XXXX XXXX XXXX sent me monthly statements every single month, as well as quarterly escrow account reviews, so I could know when to pay, how much to pay, etc. My monthly statements showed by loan balance, my escrow balance, my payment breakdown, and an explanation of amount due. My loan was transferred to Bayview Loan Servicing in XXXX of XXXX. I have not received ANY correspondence from Bayview Loan Servicing other than the initial welcome letter. In other words, they refuse to send me my billing statements each month. They will not send me any information about my account unless I call every month to ask them to send my ledger. They claim they are prohibited from sending me monthly invoice statements. However, That can not be true if XXXX XXXX XXXX was sending invoices every month. How can I keep abreast of my finances if I am not receiving any information on the bills I am to pay? Chapter XXXX bankruptcy should not prohibit me from receiving information about my mortgage loan on a monthly basis. I am not aware of any law or provision in the bankruptcy code that prohibits mortgage companies from sending an invoice each month, especially in a Chapter XXXX where I am to continue to make regular monthly payments and have agreed to do so in my Chapter XXXX plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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: GA

Complaint narrative:
I own a second home that was financed through XXXX. I have been paying my mortgage directly to them for many years. I went to their website to get my year end statements for taxes and the account no longer existed. I call XXXX and at the end of XXXX and was told they sold my loan to Bayview Loan Servicing back in XXXX. I have never been sent any documentation from Bayview. I received a few phone calls from a women who asked me to call her back because she has good news, which I did not do. After speaking with XXXX, I realized that this women was from Bayview and gave her a call. She claimed I was 4 months behind on my mortgage and offered me to restructure the loan. Instead of a XXXX mortgage payment I can lower it to XXXX. My XXXX mortgage payment was in the XXXX range. I then asked her to email me some documentation and statements so I can review and respond. I still have not received any. I have called but no response. My situation is now I 'm in contract to sell the 2nd home and am afraid this will cause a problem. Not sure what to do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: UT

Complaint narrative:
Him XX/XX/XXXX, I worked with Envision lending in XXXX XXXX XXXX, Utah and XXXX XXXX who was representing Envision lending. The mortgage broker XXXX XXXX at that time helped me get into a adjustable rate mortgage and an interest only mortgage for our home with the understanding, if we made our payments on time in approximately three years we could refinance to a fixed rate mortgage and a lower interest rate. Around XX/XX/XXXX we reconnected with XXXX XXXX who informed us we could get a 5 % fixed interest rate because of our timely payment. On or about XX/XX/XXXX, I met with XXXX XXXX and signed a fixed rate mortgage with the understanding the mortgage would then be at 5 % mortgage. I began making my mortgage payments, on the new mortgage shortly thereafter. Several months later we were notified concerning a payment reduction on the mortgage. We paid the mortgage until we were put into a position financially where we could not afford the payment. We were sued by Bayview loan servicing , LLC, the alleged creditor, XXXX XXXX company the alleged trustee and XXXX and Associates the law firm that is representing XXXX and also owning XXXX in XXXX XXXX XXXX. I have never signed a contract or agreement with Bayview Loan Servicing , LLC, nor have I paid any payment, agreed to pay any payment or are in default to Bayview loan servicing LLC. I have defended the case pro se and in the process of reviewing what I could find in my records I came across to the envelope that included the mortgage information from the second mortgage that I had not looked at as I received it months later after I took out the mortgage. Inside the envelope I found XXXX CDs which contained XXXX separate loans. XXXX of the loans was signed XX/XX/XXXX, the other loan appears to have been signed on XX/XX/XXXX. We do not recall applying for a second loan nor being told we had taken out another loan. Also the loan from XX/XX/XXXX was a 6.627 % loan with the fixed rate and the loan on XX/XX/XXXX was a 5.62 % loan with a fixed rate. On XX/XX/XXXX I received a change of creditor notification f him rom Bayview Loan Servicing LLC. Under the FDCPA 1692, section 803 " definitions '' it appears Bayview loan servicing LLC is not a creditor as defined in 1692a ( 4 ) I am a consumer as defined in 1692 a ( 3 ). Bayview Loan Servicing , LLC appears to be a 1692 a ( 6 ) debt collector, collecting a 1692a ( 5 ) debt and are not a Party in standing but third party debt collectors attempting through a judicial foreclosure, to remove our family from the home. We would appreciate assistance in this matter as Bayview Loan Servicing LLC through XXXX XXXX have continued to move forward without proving standing. We would appreciate your assistance in the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I have been paying a third party to submit my mortgage payments to pay off the loan faster and save me interest. XXXX XXXX through Western Union is charging a fee of {$2.00} per payment and probably another joining fee, unbeknownst to me. I want to quit being fleeced by XXXX XXXX and get my money back. They are not entitled to any money they have collected from me in over 16 years. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 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: CA

Complaint narrative:
Bayview XXXX foreclosed on my property without proper notice nor will provide documentation to me or my legal counsel showing they did act within the law. Me and my legal counsel has requested the required documentation from the trustee Co and have not provided proper documentation. I was in the middle of a loan modification while all of this was taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Apex Resolution Group LLC
State: FL

Complaint narrative:
Constant calls from ARG ( Apex Resolution Group ) XXXX or XXXX to call this number XXXX. These calls are coming to my work, home and family and friends. Said he was XXXX XXXX from ARG. Said to call immediately to avoid interruption of banking verification of employment and verification of assets. He then said he already verified my assets and told me what kind of car I drove. When I called I did not verify my SS # so he hung up on me. Gave me a claim number on the voice mail. I refuse to give my personal information over the phone to anyone. I have not received anything in the mail so I do not know what these people are and why they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been working with Bayview in regards to a loan modification to avoid foreclosure. Since the initial start I have been provided the constant run around and being told documents are not being sent in when in fact I have proof they have been sent in. I am unsure why they are playing these head games with me and making me more XXXX and hoping that I give up so they can sell my house. Bayview should have ALL documents they are asking for and there should be no reason to keep asking me for the same documents over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Sir/Maam : The Issue was im mistaken to sent money to my nephew using XXXX names which is " XXXX XXXX XXXX XXXX ". dated XX/XX/2017. i found out that he is only using one name which is only XXXX XXXX XXXX . Tracking number XXXX in western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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: MN

Complaint narrative:
Our loan was assumed by Bayview Loan Servicing in XXXX XXXX. We had previously been serviced by XXXX. We filed Chapter XXXX bankruptcy in XXXX and made every monthly loan payment. We paid the courts our monthly payment for 60 months, they in turn paid the loan servicing company every penny they requested. When our loan was sold to Bayview they began sending paperwork about refinancing. The final court payment had been paid to XXXX in XXXX, just before the transfer. Once our chapter XXXX was paid in full Bayview notified the court and us that we were {$20000.00} behind in payments. I have called, sent filing documents, data from the courts about payments to the loan servicing companies and finally this past Spring 60 months of bank statements showing a payment made to a servicing company. They do not respond, they do not ever answer the phone and if they do call you back it 's always during the work day. I originally told them I am willing to discuss refinancing once we discuss why they think we owe them $ XXXX when it has already been paid. At this time I want this settled so that I can refinance or sell this home to get the mortgage out of their hands. Additionally, I am trying to make sense of the escrow monies they are collecting - they appear to be collecting more than required.

Company response to consumer: Closed with explanation