vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This agressive collection agency is reporting false dates and information to XXXX relating to a {$170.00} Medical bill and claiming to be the original creditor, I have ask them several times for documentation relating to services rendered, I never recieved any services from original Hospital, they refuse to listen and have been very rude to me and called me a liar, I have recently sent a demand letter to the Hospital, XXXX and this agressive collection agency. Phoenix Financial Services LLC XXXX, IN. XXXX I have also had to send them a Cease and Desist letter for harassing me, they are reporting a five year old account as if it was a new account and late as of XX/XX/2017, they told me if I did not pay that they would cause me problems, I was able to remove it from XXXX and XXXX and still trying to get XXXX to fix the problem, I consider this harassment and would like to file official complaint, they are trying to ruin my credit. 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 2016-10-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
When my mom passed in XXXX 2016, I discovered that she had taken out a XXXX mortgage loan with CitiMortgage that was referred to Bayview Loan Servicing. As her heir and administrator of her property, I contacted them about the loan and required documentation about the loan process from the initial loan. As of today, I have n't received any documentation or cooperation from the lender. Three months ago, I have spoke with a representative about negotiating a payoff and she stated that she would initiate the process and assign a case manager to the case. I was told not to submit any payments until I hear back from them through a certified letter. After a month pasted and no certified letter received, I called the lender and expressed concern about the request. I was informed that no such request had been submitted. The rep assured me that he would submit the necessary documentation to initiate my request. After weeks had pasted and numerous attempts to reach Bayview by telephone for a response, I finally got a representative to answer my request. I was told that Bayview would not negotiate a payoff because the value of the home, if foreclosed, would cover the loan amount. Though disappointed, I asked about the passed 3 months payments and learned that late fees had been asset to the account. On XXXX/XXXX/16, I made a telephone payment in the amount of {$410.00} dollars ( confirmation # XXXX ). A week later, the amount still has n't been deducted from my account. Therefore, I called the lender no less than 10 times totaling hours of my time seeking an answer. I finally got a live representative that explained my payment was rejected for insufficient funds. I stated that there must be a misstate because my account has more than sufficient funds to cover the charges. The rep stated that I can resubmit the payment through XXXX XXXX, which I stated was unacceptable because my checking account has over {$8000.00} dollars in it and that the representative had to have keyed in the wrong information. The representative hung-up the telephone. He was the second representative to do that such action when I requested to speak with a manager. I called back and was told that I 'm not authorized to receive information on the account. I am absolutely dumfounded by Bayview 's representatives actions. This is unprofessional and down right deplorable. All I want to do is make a payment and this is being rejected. XXXX 's statement depicts the attempted payment of {$410.00} dollars suspended. Can I please get some assistance in this matter. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I sent a money transfer back in XXXX. The money was never picked up by the receiving party overseas. I called WESTERN UNION they confirmed that the funds were available and that they would send me a check. 4 months later, and about XXXX reps promising me payment, I have still not received my refund from Western Union. Furthermore, the Western Union system no longer recognizes the tracking number ( a number they assigned to my transaction ). So it is as though I never sent money. The tracking number conveniently drops off after XXXX to 60 days after the transaction. So if they drag their feet to refund you, you disappear from their system all together. 

I write that Western Union 's refund policy be investigated, what do they do with " unclaimed money ''? Because they make efforts to claim the money very difficult on the sender. Most of the people using this service do are immigrants and they do not have a voice to communicate and navigate Western Union 's very complicated customer service. Most of my calls were routed to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: KY

Complaint narrative:
Called over 100 times in less than a month. Has never left message. Tried to return the call and was sent automatic message about not being a valid number until today. Had to call over 10 times before they would even tell me the company name. It is Phoenix Financial. They are not currently on nor have they ever been on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
On XX/XX/2017 I received a letter and a copy of an " Association of Council '' from the Law Offices of Patenaude & Felix A.P.C. informing me that they were representing XXXX against me. My account is current and I have never been late. I called XXXX and they informed me that they have not assigned this " law firm '' to represent them against me and asked me to fax over the letter I received because they had no knowledge of it. I have read several reviews of this company stealing money from people via getting judgements to collect on erroneous debts and illegally garnishing paychecks and bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
It starts back about a year ago I got a phone call from them trying to collect this debit. They refused to send me something in the mail and take a settlement. I refused to handle the account at that time. Yesterday XXXX/XXXX/16 I received a phone call at XXXX from XXXX from a lady stating that I was being summons to court. I needed to call XXXX and gave me my case number. Stated she could not open my mail when I asked what is this about. So, I called the number provided never once did they stated they were attempting to collect a debit till the end of the conversation when I pretty much caught on to what was going on. She stated this was the final attempt to get this before it would be out of their hands. I use to work for collections so I understand they have a job and its a debit I owe but you can not falsely state I am being summons to court. After I got off the phone I called back asking for a manager. He stated their company does not do that. I gave him the number that the person called from and stated then how did i get my " case '' number. When you call back the number it stated this number is disconnected. I know my rights and what they did was far from the correct way to handle collection a debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Trademark Management Solutions, LLC.
State: CA

Complaint narrative:
Took out pay day loan from XXXX .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from Trademark Management Solutions XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and XXXX thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My loan was bought by Bay View Loan services in XXXX. I had missed the XXXX Payment. I made the XXXX Payment Then was contacted by the office asking me to enter into a repayment plan to make up for the payment I had missed. My payment went from XXXX to XXXX for 6 months. I had made all payments until I went to make the XXXX Payment then I was informed that the gentleman that had been over my account had left or had been let go and that my repayment plan had been cancelled. Then now they are telling me that I am 4 months behind on my payments. I have all of my payment receipts and I have called them to talk about my payment history they then tell me all they can do is request a payment history then I can call them back. As I am hanging up the phone I receive a certified letter stating I have 7 days to come up with XXXX or they will be starting default procedings

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Received an email from XXXXXXXXXXXX stating that my loan was denied ... Since I would never use a payday loan company and did not submit an application to them I was surprised to receive the notice. Because XXXX of my debit cards had been compromised as well, this made me exceptionally nervous. 
The email had a phone number which is also the number on their website and on the XXXX emails I have subsequently received from them. I called the number XXXX different times and held for XXXX and a XXXX minutes, then XXXX minutes, then XXXX and a XXXX minutes and NEVER did anyone come to the phone. 
I emailed them and told them of the problem at the same email address from the email to me and it is also suggested on their site and on the response emails. 
I received XXXX emails each saying they have no record of my email address and can not help me. 

How did they ever send this to my email if they did not have it? Why can they not simply look at the name and other info? 

In my opinion they are purposely refusing to assist me in this extremely important matter. I can only assume they or their employees are likely to be involved in this given their obstructionism. 

Thanks for any help you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 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: Lamont, Hanley & Associates, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX, I was looking over my credit report. I noticed a company on it named Lamont Hanley and Associates. It was showing original creditor XXXX XXXX XXXX amount {$180.00}. They reported on XX/XX/XXXX again XX/XX/XXXX. I never heard of this company Lamont Hanley and Associates. I never received a call from them about a debt. I did n't even know they ( Lamont Hanley and Associates ) was on my report this long. So on XXXX/XXXX/XXXX I called the company. I spoke with a guy name XXXX. I told him I was calling cause they was on my credit report. He got my information and looked up the account. I told him I never had insurance with XXXX XXXX XXXX. In XX/XX/XXXX I was with XXXX XXXX through XXXX XXXX XXXX of XXXX XXXX. He informed me that They were the same company. I asked If, I completed paying my month billing why was they filing on my credit report? He said I owed a cancellation Fee for a policy on a XXXX Chevrolet Trailblazer. I told him my Ins. was month to month and with XXXX. I was not aware of a cancelation fee from them. He appear to become angry by raising his voice. He stated loudly, you signed a lease. The cancellation fee is in the declaration page. I then asked, can he could validate that I owe this debt? Send me a copy of the declaration page and bill. He again stated loudly " man this debt is five ( 5 ) years old. We will be calling, no, we wo n't be doing any dam thing. I then asked him if they could remove their name off my credit report. He again stated loudly, you have to do a dam dispute with the credit bureau. He then stated in a loud tone it 's not coming off then either. He then hung up the phone on me. This guy was so very rude. They are on my credit report and refusing to verify why, this company l do n't know. How they got my info I do n't know, if they bought it or they collect for XXXX XXXX. Nobody should have to pay for switching companies. XXXX XXXX never called me that I owe a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MI

Complaint narrative:
Hi, my identity was stolen when someone broke into my car and stole my wallet around XXXX of 2016. Since then new accounts have been opened, not paid and placed in collections. I did place a fraud alert on my credit during that time which was only good for 90 days. I have reported and disputed this to the company and have not heard back. When I tried to pull my credit report, their were questions that were never related to me and I am worried. Please get back to me soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I am a USAA debit card customer. Recently, my debit account number was hacked, so the bank replaced my card with a new card. In the meantime, XXXX payees reported that they had not received their monthly payment. Payee A contacted me by email and I resolved the problem by giving them the new card number. Payee B contacted me by email and then sent an email saying that they had resolved the problem by charging my new debit card. I never gave anyone at Payee B or USAA permission to debit my new debit card account. 
USSA has reversed my charges and given me a new debit card. But there is no explanation for why the bank or the XXXX network allowed payee B to be payed with my new card. Finding out what I know has wasted hours of my time. It 's worse than dealing with a car dealer!! 
This is a form of customer harassment. Why do banks get away with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
These XXXX collections, all the reference number, just appeared on my credit reports. No notification, no letters. Just straight to my credit report by Merchants and Professional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
Dear Consumer Financial Protection Bureau : I have decided to do my own form of bankruptcy program, since my spouse and I have accumulated a great deal of debt over the years paying for our children to finish college and graduate school, as well maintaining our home. Accordingly, we request a " Cease & Desist '' on any calls to our home or work while we work out our financial matters. We will be from this going forward until the end of XXXX XXXX will be eliminating no less than a dozen lines of credit, as well as the balances on our vehicles. This in turn will eliminate over {$4000.00} in monthly charges that we can eventually apply to any unpaid credit balances, either by settlement or reinstatement. We will place all our student loans in deferment until we can attack these debts one by one. Our second mortgage will be maintained as current, but our first mortgage must go into default until XXXX of XXXX. At that time, we can start making mortgage payments and wish to place the arrearages on the back end of our mortgage. We did have plans on selling our home by the end of XXXX. Our program will work better than any bankruptcy plan that a Chapter XXXX would procure. Therefore, since we know what we are attempting, we do not desire collection calls to our home or work. We will communicate in written form only, and we believe that our program will work out as planned. We do not desire any foreclosure action on our first mortgage as our intentions are pure to start making payments starting XXXX XXXX without exception. Therefore, we desire a complete " Cease & Desist '' on all calls immediately. Thank you for your consideration in this matter as we have submitted written request to our creditors, but the " Cease & Desist '' has been neglected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I have a USAA credit card. I received an offer from USAA for 0 % interest on new purchases until XXXX/XXXX/XXXX. I accepted the offer on XXXX/XXXX/XXXX. I had no previous balance forward on the card, and I paid the entire XXXX/XXXX/XXXX statement in full. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. Twice I contacted USAA to receive credit for the erroneous interest charges. Both times, the representative agreed that I should not have been charged interest. Both times, I was put on hold off and on for approximately 30 minutes. Neither time was the agent able to issue the credit. The second time I called, I was told that a ticket was opened with the IT department, and that it would be resolved. I still have not received the credit. This is ridiculous. I am no longer charging to this card because obviously they ca n't figure it out. USAA owes me {$6.00}, plus an hour of my life. & lt ; This account was recently converted to a XXXX account, which is the number I am providing. The interest charges were on the previous XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have XXXX personal loans with USAA Federal Savings Bank. XXXX of my loans I have had since XX/XX/XXXX. I have never missed a payment or have been late with a payment. On XX/XX/XXXX, USAA charged off my loan without any warning to me and for no specific reason. When I called USAA to discuss error they told me they 're able to charge off any loan they want at anytime. I did n't sign any contract for these terms. This has greatly effected my credit and USAA has even taken away certain features of their website from me because they claim I have an account unpaid through them. I have disputed this through XXXX and all they did was update status to say " never late '', but it still shows account charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LD Holdings Group, LLC
State: AK

Complaint narrative:
I have an installment loan with Loan Depot. They do not send a monthly statement to inform me of how my payments are applied. When I view my account information on line there is no information as to the balance of the account after payments have been processed. In addition, the payment is auto drafted from my account on the XXXX of every month by Loan Depot ; however, they do not apply the payment until the XXXX of the month according to what they do post on line. 

I have tried to contact them and get passed around and no one will answer my questions. The last person I spoke to told me to call back and he would help me if no one else would. I left him a message and he did not return my call so I still do not know how much is left on my loan, how it is being applied, and why it is not processed when they take the funds from my account. I also do not understand why they do not send me a monthly statement.

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