vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: WA

Complaint narrative:
My loan was turned over for servicing to BSI about a year and a half ago and have nothing but problems. First I have always been able to pay my mortgage loan using my bank bill pay for overnight processing which I found out BSI does not have so an actual check needs to be sent so now I have to guess at what amount I should pay since I do n't get their statement until after the time when I need to do the bill pay to get it their by the due date. I have also been trying to get information from customer service regarding when the interest only will end as I believe it will be this year. I called a couple of months ago and the customer service agent said that it would have normally ended in XX/XX/XXXX but that these loans have been extended to XX/XX/XXXX now. Last week I received a letter stating that my interest only ends in XX/XX/XXXX and my statement will most likely increase as is will contain both principal and interest and will be shown on my statement. I still have not received my XX/XX/XXXX statement, I have called 3 times to talk to them about what the actual payment will be and what the interest rate will be. They are not able to help me and have left messages each time to ask to speak to my account rep. Seems he is always busy and I leave messages but still no call back. This is the worse loan servicing company and their customer service agents are useless unless you only want someone to answer the call in person. I agree maybe a class action suit would wake them up!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resource Management Group
State: MD

Complaint narrative:
I am being contacted by debt collector, Resource Management Group XXXX @ XXXX XXXX XXXX, NC XXXX, stating that they are collecting for, XXXX, on a payday loan from XXXX XXXX, 2011. 

I have pulled my bank statements from XXXX XXXX, 2011 and it shows no payday loans received. Resource management group wants me to send them my bank statements from XXXX 2011 but I do not feel comfortable doing so because I do n't know who they really are. 

I asked resource Management group to provide me with XXXX XXXX telephone number and/or address and they said they did not have it. I also asked Resource Management group to provide me with original loan documents that I signed and they said they did not have that either. 

I then asked Resource management group to mail me a bill that explains what to do if I believe the debt is not mine and they said I had no dispute options with them that I needed to contact the original creditor - XXXX - yet they are still concerned with me turning my bank statements over to them. I have participated in payday loans with other companies and I believe my social security number was compromised form those transactions. All pay day loans that I have actually received are paid in full. 

Resource Management Group will not give me any information on the original Creditor other than their name which is " XXXX XXXX ''. Resource Management group is threatening to go on my credit report. I do not understand why this collection effort is starting 4 years after the alleged debt began as well. 

I have placed a fraud alert with the credit bureaus.

Company response to consumer: Closed
Consumer complaint received 2015-09-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
I owe Ohio Acceptance Solutions Group money from a payday loan that I received from them. Due to unforeseen circumstances, I am unable to make my payments at this time and have been willing to set up an arrangement with them. I have emailed them at least 15 times asking them to stop calling me at work because it puts my job in jeopardy. They continue to call and hang up. They are calling from XXXX. If you call that number back, it is them. I need these calls to stop!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I have had a debt consolidation company issue a Cease & Desist and the Lender keeps calling my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Ridiculous!!! I have been in review since XXXX XXXX Nobody at BSI Financial , our Servicer, will respond to our requests. When we send documents, we hear NOTHING. They do not respond to us, nor our counselors XXXX, XXXX and XXXX at XXXX XXXX. And DO NOT SAY YOU DO NOT HAVE AUTHORIZATION TO SPEAK TO XXXX AND CLOSE THIS CASE, like you tried to last time. My written authorization is attached. 

XXXX also tried sending our help request to the investor, XXXX and they did n't even bother to respond either. We have so many emails to them sending documents and then following up, and only TWICE has BSI responded to the emails. 

BSI, kept insisting that they never received any of the documents for the modification review. We continued to send the documents that they requested, it 's been over 1 year now. Since the beginning of the modification process they always had an excuse they never received documents for modification review - that or they just do n't respond whatsoever. They clained a HAMP denial letter was sent out as you claim in XXXX due to missing documents, however we have since tried to send back in numerous updated packets and information, which no one fully addresses nor corresponds back with us or the borrower. Getting someone to respond is like pulling teeth to say the very least ( see attached, all emails with NO RESPONSES ). We have reached out to the counselor assigned, XXXX XXXX, numerous times, no one returns our emails or calls. I tried calling three times on XXXX and was placed on about 30 minute hold each time with no answer. Out of desperation, I have also recently emailed reps from the past XXXX XXXX and XXXX XXXX to help, but no response from them either. 
We need a DEDICATED person to be assigned to this case - the people thus far have done nothing to help. Please see attached, just a FEW of the emails we have sent that NOBODY has responded to. PLEASE HELP. Nobody is trying to help. They put us on hold for a very long time, or they do not respond to numerous emails. PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Collection Technology Incorporated
State: AZ

Complaint narrative:
There is a company which was able to collect a student loan debt which is over 13 years. They were able to solicit to the Department of Education to take my income tax refund. The debt is too old according to law to collect. It is over 10 years old. The name is Collection Technology at XXXX, CA XXXX. The U.S. Department of Education, The National Student Database and the debt is too old to collect by taking a person 's income tax refund. I contact the Department Education and was inform my refund will not be returned. I no other option than to sue the Department of Education if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Admin Recovery, LLC
State: MD

Complaint narrative:
Below are at minimum the FDCPA violations Admin Recovery , LLC has done : XXXX. Harassment or abuse [ XXXX XXXX XXXX ] - see details above regarding interaction with Admin Recovery , LLC employee XXXX. False or misleading representations [ XXXX XXXX XXXX they led my brother to believe they were an attorney. 
XXXX. Validation of debts [ XXXX XXXX XXXX ] - I have not received any written notice from Admin Recovery, LLCPlease see attached detail. They were threatening, harassing and abusive in their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Centric Asset Management Inc
State: MI

Complaint narrative:
Centric Asset Management has called my personal cell phone from the phone number XXXX XXXX XXXX XXXX XXXX XXXX or five times with a live person on the phone, and once with a robo-call. The live phone calls indicate that they allege I owe a " payday '' loan, which I never applied for nor received. They indicate that they have " authorization '' of some sort from a bank that I already made payments and therefore admit I owe the debt. They have my personal bank account number and other personal information, including the names of my sister and mother. I have asked them multiple times for substantiation of the debt, and they always refuse. The robo-call on XXXX XXXX, 2016 indicated that they were threatening to debit my personal bank account if I did not otherwise make arrangements. 

I did not and do not owe this debt. I do not know how this company has my information, but they will not substantiate the debt. They do not tell me they are debt collectors when they call me. They argue with me about the debt. They have called me multiple times during one day. I believe they are violating the Fair Debt Collection Practices Act if they are an actual company. Otherwise I think they are just a scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have attempted to fax the number I was given to from Chex-systems to send in a copy of the police report that I have filed with the XXXX County Sherrifs office and the fax continues to ring busy. I was denied opening a checking account based on fraudulent information reporting and it is very important that this matter gets resolved immediately I called the customer service number who recommended me mailing the information to their address but I need this matter resolved yesterday. I am attaching what I have attempted to fax to them on several occasions but continue to have issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Northland Group Inc
State: CA

Complaint narrative:
Due to XXXX XXXX action. This Debt Collector Company Northland Group started to make a collection activity on account I have with XXXX XXXX Credit Card as in the letter shows I 'm disputing the letter sent on XXXX XXXX because is not the actual balance I owe to XXXX XXXX credit card. Further more I 'm requesting thru this Inquired to provided the transactions took place on this account and how they get to {$470.00}. 
Please explain me the following : * What the money you say I owe is for. 
*Explain and show me how you calculated what you say I owe. 
*Provide me with copies of any papers that show I agreed to pay what you say I owe. 
*Provide a verification of validity of the debt ( per statue of limitations ) or provide me a copy of any judgment ( If applicable ). 
*Provide with the name address and reference number of any other collection company or collector that this matter has been assigned to. 
Be advised that im fully aware of my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 
I would like the CFPB request this collector agency the items above I request to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I have a debit card from XXXX expiring in XXXX 2016. XXXX transfers funds to the account in exchange for XXXX. My account has been closed even though a positive balance remains, so I can not access the funds. In the meantime, I am being penalized $ XXXX for inactivity. I have called the customer service number on the back of the card ( XXXX-apparently a foreign call center, possibly XXXX ) in XX/XX/XXXX and XX/XX/XXXX, each time being told to call back in " 3-5 business days '' when there has been a resolution. I have also called the Cardholder Services number on my last saved statement ( XXXX ) which is a number no longer in use. ( see attached document ). 

I have also emailed a customer service agent ( XXXXXXXXXXXX ) and been told to call the customer service number again. I inquired with the agent about receiving a check to close the account to which the reply was " This card program does not offer check refunds. You will need to use the remaining balance off the card. The XXXX XXXX XXXX can be used anywhere that XXXX is accepted worldwide. '' But the problem is that I can not access the funds because the account has been closed ( I can not access funds from an ATM ). 

Yesterday, I tried to log in to my account online and my access has been cut off. Today I tried to login again and the website now says " Temporarily Unavailable. We are temporarily unable to process your request. Please try again later, or call Customer Service if you require immediate assistance. " Since there is a XXXX XXXX logo on the card, I called XXXX member services and they claim that they are not affiliated with the card and can not help. They suggested I call XXXX XXXX XXXX, which I did, but they are not effectively able to reach anyone who can help either. 

I researched the email address from the agent ( XXXXXXXXXXXX ) and located a XXXX Corporate Headquarters*, XXXX XXXX XXXX XXXX XXXX , Florida XXXX, Phone : XXXX, Fax : XXXX ( XXXX ). Conveniently, the XXXX website " Contact Us '' link is not functioning ( XXXX ). I called that number today and through an automated cue asked for XXXX XXXX XXXX, who I found online as the XXXX legal counsel. A secretary answered and after a brief polite explanation of my issue was forwarded to XXXX XXXX. There was no answer so I left a message. 

I am extremely distraught at my treatment and inability to access the funds in my account as well as being continually penalized for not taking the funds out. I have now wasted 5-8 hours of time trying to chase down someone who can help me. I assume that there are others out there having similar difficulties but who do n't have the resources, time, or persistence to search for a resolution. If the company brushes all of us off long enough, they will eventually assess fees to make the accounts go to XXXX. Would this constitute a class action lawsuit situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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: Account Liquidation Services Inc.
State: TN

Complaint narrative:
I have written and disputed incorrect information on my credit report that belongs to another individual. The company refuses to delete the incorrect information from my credit report even after receiving my personal verifying information that is different from the negative items they are reporting. They are refusing to pursue the correct individual and remove the information from my account even with verifying proof that my identity and the other individuals are totally different.

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 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Frost - Arnett Company keep calling my college daughter and will ask for me. They had no right getting my daughters call number from XXXX XXXX since the bill was n't for she. I am on a payment plan for {$25.00} they call me all the time before the corrected hours to call consumers. They wo n't give their names when speaking to me. There is never any notes! They demand to know my employers phone number but because I work in a XXXX I ca n't get calls. I want them to stop calling my daughter. They had no right getting her cell number. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Red Cedar Associates LLC
State: AZ

Complaint narrative:
I got a phone call to my number from a lady and she left a voicemail. I was told that my name and social security number was placed on her desk and a claim was filed against me and that I needed to go to her office and sign some paperwork. She never told me what company she worked for or anything. I called the number and XXXX XXXX ext : XXXX picked up the phone I gave him all my information and he told me that he was from Red Cedar Associated and that someone was trying to sue me for money owed and that I needed to pay it up from and I could n't make any payments. If I did n't pay him up front then they will file a judgement against me. I told him to send me a bill and he said he will send a notice statement to my email address. I asked him if he had anything from the original loaner, and he said no just that it came from XXXX in Arizona. I said fine just email me what you have. He told me that once I reviewed the email to call as soon as possible because they this is very urgent and I could be in big trouble. So once I got the paper in the email I looked it over and gave him a call back. A man by the name of XXXX XXXX Ext : XXXX answered the phone, I asked to speak with XXXX XXXX he said he was unavailable but he could help me. I told him if I could make a payment plan to pay and he kept telling me no that I would have to pay the whole amount. I told him I wanted to send payment using a cashiers check and he told me no they would not accept it due to the severity of the loan. So I went on their website and t states that they accept money orders, money grams, debt, credit and checks by mail and over the phone. I told him this then he told me to hold. He placed XXXX XXXX on the phone, XXXX XXXX started to bully me and told me I had to use a debit, credit or prepaid card and nothing else. I told him I needed to track my payment. He then told me he needed to get his director on the phone. Then placed XXXX XXXX on. I asked for their director and XXXX XXXX said he was the director. I told them I need to be able to make payments in small sums every week using a cashiers check. He told me no I ca n't do that and if I sent a cashiers check that they would just send it back to me. Then my spouse got on the phone and told him the same thing I was saying then said I was pregnant and can not pay a large sum and I had to use a cashier check to track my payment. Then placed me back in the phone. XXXX XXXX then told me not to worry that I can send a cashiers check for any amount. I asked if they sent invoices letting me know they received payment he told me no just call over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
Representative of " FMS Financial '' contacted me at approximately XXXX via my work phone and cell phone. Representative " XXXX XXXX '' ( I beleive was his name ) was extremely agressive and hostile, yelling and screaming and would not allow me to ask questions or otherwise speak. He was also " huffing and puffing '' in anger during the call. Before I could request that his company only contact me in writing, XXXX XXXX slammed the phone down threatening to sue. The number he called from was 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 2015-05-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Someone is using my name in Florida to work as well as open an account that he also sent sent to collection for check system

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
See attached docs. ChexSystem has listed several former addresses ( and wrong addresses ) for me simultaneously going back over 25 years. Neither have they given details of several, misinformation reports to my file so that I can correct them. 
This has prevented me from opening a checking account as XXXX banks andXXXX lending institutions report that they " can not verify my ID. " XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Requested early PMI Cancellation Forms on XXXX XXXX, 2015. After a month, I still did not receive the documents requested. Called on XXXX XXXX, 2015 and I was told they held it up to investigate if I qualified ( but I was never informed of this ). They said the information would be emailed to me by end of day ( or someone would reach out if I did not qualify ). Neither of those two things happened. 

Called again on XXXX XXXX, 2015 and was told the requests were not submitted correctly and the rep would have to put in a new request. I was told documents are to be mailed out Monday XXXX XXXX, 2015. 

The delays have now cost me {$100.00} to date, with a high probability of costing me another {$100.00} this month.

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