vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
In the year 2013 my family and I lived in XXXX XXXX Apartments and paid the first month of rent, and the deposit. We always paid the rent for a year since the apartments were under contract. We never missed any payments and the water payment ; we paid it full. I even have proved that we paid it all. I have the confirmation number that we paid it. Recently, I received a letter from the National Credit Systems , Inc regarding the deposit that we did n't pay. The amount is {$690.00}. They have sent me to collection without any warning or any prove that I owe that amount. In the letter it says they have already reported this collection to XXXX national credit bureaus. Please I need your help to clear my credit and erase this debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I was late paying my timeshare maintenance fees, for the XXXX of 2015, and it was sent to collection in XXXX 2015. I paid the collection agency in full, and verified with them that I was paid in full, however they failed to return my account to the original creditor, and instead kept my account open so that the original creditor never knew to bill me for the XXXX of 2015. So neither the original creditor nor the collection agency have sent me anything in writing notifying me of the debt, but instead have made phone calls harassing my elderly parents on their home phone number thrice in the past week. Once by automated robot system, and twice by a live representative from the collection agency sharing my personal information on their answering machine. I just want to pay what I owe to the original creditor, as my account should have been generating bills from them, which they never sent to me, and not the extra erroneous charges by the collection agency, who is acting in an illegal manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
After giving this company a 30 day notice I mailed and emailed XXXX XXXX XXXX a 30 day notice that I would be moving out at the end of XXXX XXXX. I repeatedly tried to call them to meet me for a final walk through but no one responded. In XXXX XXXX, I received a bill for over {$4000.00} in " damages ''. I contacted XXXX XXXX notifying her that the amount was incorrect and sent pictures as well. She stated, " After my supervisor reviewed the pictures from your move out and your email in response to the charges, he has agreed to remove the paint charge of {$1200.00}. You still have a total of {$1700.00} of move out charges and balance owed to XXXX XXXX XXXX is {$2200.00}. You will need to talk with XXXX to set up payment arrangements. '' I contacted her stating that I did not owe any money for the floor because I did not damage the floor. Also the repair cost they stated was too high. The floor became damaged due to a leak from the AC unit in the attic. The maintenance personnel repaired the leak. Also I did not damage any cabinets or shelves. I noted that they were off track in the move in document. I notified the property management of the damage and they said it would be taken care of. The floor boards were never replaced. I contacted XXXX XXXX about getting a final settlement amount and payment arrangements. I called and sent several emails asking for an explanation of the {$2200.00}. No response from XXXX XXXX XXXX. In XXXX XXXX I received a collection notice from National Credit Systems Collection Agency stating that I owe {$2200.00} and must be paid as soon as possible. XXXX XXXX XXXX did not contact me concerning this after I made several attempts to settle the issue. It should not have been sent to National Credit Systems collection agency without giving opportunity to settle the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
I have made my payments online through my XXXX Bank bill pay. Your company has received these checks, cashed/deposited them. Yet your staff continues to call, stating I have not made my payments. They are rude, unprofessional and raise their voices to me. 
I have the cancelled checks through my bank showing you have cashed/deposited them. Then you charge me " late '' fees when I am not late. This is against the law. 

I have filed complaints today through XXXX agencies about unfair practices, charging late fees and harassment from your staff. 

I have proof of these payment via cancelled checks. This site does n't allow me to attach the checks. I can attach these checks showing they were paid/deposited by Springleaf before their due dates. 

Since Springleaf has taken over my loan this is the XXXX or XXXX occurrence illegally charging me late fees and falsely accusing me of not making payments after you have cashed my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
This dispute is with Cash Call Check Cashing /XXXX XXXX CA XXXX. I had a payoff amount of XXXX. 
I the co- signer was in a serious car accident XXXX/XXXX/2014 and the car was a total loss. I was the co-signer on the account. The insurance Co. and Gap Insurance Co. paided the car off which left a balance of XXXX, in which I owe XXXX. The company is refusing to write off the balance on my credit report until the XXXX of interest is paided off. This is rueing my chances on getting another car. Before the car accident I loss my XXXX XXXX 2014 and fell on financial hardship as a co-signer I was trying to work out a two month deferment for XXXX and XXXX 2014. The customer service agent I was dealing with was threating and rude only worrying about getting the payment instead of working out a deferment or giving me any help. Just giving me the run around, delays, and had no intention on giving me a deferment. Half of the reason why I had the car accident was stress from the harassment for payment. I was hounded by this company calling me even after I answered the phone, pleading with them for help, ( mind you I was only two months behind ). They called at least 5 times a day with threats and rude staff whom contacted me. The company did not even give me credit for the payments I had already made on my credit report, in which I found this out when trying to purchase a car, The car company showed me the negative marks on my credit report. this is when I out found what kind of company I was dealing with., this is a Check Cashing Company, which after dealing with this company for the few months they were very rude and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Corporation of America
State: NV

Complaint narrative:
I have never heard from or of this company and do not owe {$740.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
These are bills that were from having XXXX take me to the hospital and for treatment of my back. This happened more than once as seen by the differant dates. I was found to be XXXX with XXXX and was put on XXXX XXXX/XXXX/2011. I recieved medicaid at that time. I also filled out a financial hardship form from the hospital that promised to pay most if not all of the bills. I submited the bills to medicaid too. They were suppose to pay bills up to two years before I was put on medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SIRVA WORLDWIDE INC.
State: NC

Complaint narrative:
SIRVA Mortgage mishandled the renewal of my homeowner 's insurance coverage and as a result my coverage was cancelled. They are now trying to purchase coverage on my behalf and more than twice the cost of my original policy. My insurance company, XXXX sent the premium notices to SIRVA in XXXX, using the same address as the prior year. On XXXX XXXX, I was told by the insurance department the notices were not received and instructed to email the renewal notice to them. I emailed the renewal on that date. On XXXX XXXX, they claimed to have never received the emails, even though they acknowledged the email address was correct. The policy lapsed on XXXX XXXX, 2016.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates
State: FL

Complaint narrative:
I have asked LJ Ross Associates to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Brookshaw Management, LLC
State: CA

Complaint narrative:
Received a threatening call on XXXX/XXXX/15 telling me my card declined. I told him that could not be possible because there was {$3000.00} in the account so there was no reason my payment would decline. He went on talking about you have XXXX in the bank and all your paying us is a {$50.00}, I explained to him that I 'm a single mother and I have a mortgage to pay along with other expenses but I am paying. He then went on and on, at this point I called him out his name and told him look its too early in the morning for all of this and I just lost my grandfather and I was really not in the mood. I was doing the best that I could. He continued to talk mess and told me he was taking me to court. I said take me to court for what ... you have the correct account and I am making payments. he then kept threatening me I called him XXXX & ( and hung up. I called back to get someone else but he kept answering the next 3 times being petty and said see you in court and not to call there. I finally got a Manager on my XXXX attempt of calling back. They ran the card again they had and the payment went through just fine like I knew it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
CHOICE RECOVERY INC I have a a unverified account from. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY INC purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account 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 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates
State: MI

Complaint narrative:
L J XXXX is reporting a collection on my credit report. I have never signed and or had an agreement with this company. They opened an account illegally from my understanding. I am willing to work with the XXXX and XXXX as well as the police to get them removed from my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Recovery Service Incorporated
State: VA

Complaint narrative:
Debt collector sends me a letter asking for a debt that I do not owe and is not mine. Gives me 30 days to respond. I sent a letter telling debt collector that I do not owe but do not understand why collector keep badgering me and I feel harassed. Collectors have even called my wife! I ever owned a XXXX XXXX. I have gotten calls for years about this type of amount. I do not know why the collector or XXXX think I owe them money. I wonder how many other people are being badgered? Some action needs to be taken to stop this bad behavior. 

I did work for a company that had COMPANY credit cards and was an accountant who processed transactions FOR THE COMPANY. When I was an accountant, there were no past due amounts for any credit cards.

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
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Robinson & Associates
State: CA

Complaint narrative:
In XXXX XXXX, I paid off a title loan company that agreed to remove the debt collectors off my credit report. This title company had put XXXX debt collection agencies on my report for the same car but for different amounts, totaling to a little more than XXXX. I wanted them to sign a paper stating that they report it to the agenies as paid off and stated that they did not want to sign because i am not a lawyer. I called XXXX debt collection agency XX/XX/XXXX and asked why they did n't remove in and she said that she did n't even know I had paid it off and that she will not remove it until she gets paid her part from the title company. I have n't been on top of my report due to XXXX school. However it is hard to get a loan or get a business credit card when I am limited due to a poor credit score for a debt that has been paid for six months ago. I have contacted transunion and they had let it be and I continue to dispute it.

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 2015-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: VA

Complaint narrative:
I have XXXX at the time of this medical service and my XXXX was fully responsible for paying the medical bill. I had XXXX at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with XXXX even after I provided my XXXX information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc.
State: OR

Complaint narrative:
I have received a phone call every day since XXXX/XXXX/15. Asking for someone who I do n't know. I have repeatedly asked them to update their information. They constantly ask for my birthday and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: CA

Complaint narrative:
I was approved for a Home Affordable Unemployment Plan ( HAUP ) with my service provider, Bayview Loan Servicing for 6 months. In the meantime I also requested a loan modification to reduce my mortgage payments. I was told that while my modification would be in review to keep paying the reduced mortgage payments under the HAUP plan. I was denied the modification and was then told that the HAUP agreement was no longer in effect as a result of the modification being denied. I was never told that the HAUP would be cancelled if I did not get the modification I requested. I continued to send in the " reduced '' payments under the HAUP agreement as I 'm still unemployed. I have been charged late fees on my account when I am not late on my payments, my monthly statements are never accurate and I continue to get calls every month regarding the same issues of " nonpayment '' on my account when I make the payments on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Hi, I have been having difficulty sending money from my US account to my bank account in XXXX via Western Union. I regularly send money using these XXXX accounts for the last few months but my last XXXX transactions, XXXX on XXXX XXXX 2016 and XXXX on XXXX XXXX 2016 did not go through. After using the company website feature of repeating a previously performed transaction of sending money from a US account to my own XXXX account, on XXXX XXXX 2016 I received an email titled " Your transfer is being reviewed ''. On XXXX XXXX I received a follow up email " payment received '' asking me to pick up the money in person in XXXX while I had asked the money to be deposited in my account in XXXX. On XXXX XXXX I received another email titled " Canceled money transfer '' saying the company had received my request to cancel the transaction so they were canceling it. I made no such request. After the XXXX transaction was denied I called the company but did not get a straight answer about what happened or what I should do differently, just some indirect answer about an " internal validation '' not going through. The money was refunded to me thankfully without any deductions. No money was deducted for the XXXX XXXX transaction as of now. The company apparently expects me to keep on applying until one day something changes and the transaction goes through. I do n't know what that something is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 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: TX

Complaint narrative:
On XX/XX/2016, I, with the help of an advocate from a non-profit organization, contacted Bayview Loan Servicing regarding an increase in my mortgage payment. We spoke to XXXX ( XXXX ) at Bayview, who advised that an escrow analysis had been completed and the shortage of {$560.00} had been divided over a 48 month period to keep my payment affordable at {$370.00}. I was concerned about an additional amount appearing on my statement of {$11.00}. The Bayview representative indicated that the fee was a remaining fee from when my modification was completed and that the {$11.00} did n't have to be repaid right away. XXXX indicated that the fee could be repaid at anytime in the future, that it was n't accruing any finance charges or additional fees. My advocate confirmed with the Bayview representative that as long as I paid {$370.00}, that I was paying my full monthly mortgage payment. XXXX confirmed this and indicated that anything over {$370.00} could be applied towards that {$11.00} outstanding fee as long as I indicated on the payment that any overpayment would be applied to the outstanding fee balance. 

On XX/XX/2016, I was concerned again about my monthly statement from Bayview. It appeared that nothing had changed with my payment and that another fee was assessed. My non-profit advocate assisted me with a call to Bayview again. We spoke to XXXX. He advised that my monthly payment amount is {$380.00} and that I was assessed a corporate advance fee of {$11.00} because the payment of {$370.00} that I sent to Bayview was not a full payment so instead of causing my loan to fall behind, Bayview advanced the shortage to make the full payment. Although I 'm thankful that my account was paid in full for XXXX and XXXX, I feel that I and my advocate were mislead when we contacted Bayview on XX/XX/2016. 

I 'm on a fixed income. I had to apply for a mortgage modification to get my loan back on track and avoid losing my home. I have no intentions of falling behind again and never want to be at risk of foreclosure again. I need for the mortgage company representatives to be forthcoming and accurate whenever I call to request information. If my advocate, whom I trust to ask the mortgage company the correct questions, felt mislead by the call to Bayview on XXXX XXXX, 2016, then I feel they could be misleading other consumers.

Company response to consumer: Closed with explanation