vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Bought XXXX XXXX XXXX cards ( XXXX transactions back to back {$1000.00} each for XXXX {$500.00} cards ) at a XXXX on XXXX. Used XXXX. Have done this many times in the past. Charge posted to XXXX. XXXX of XXXX cards failed to activate. XXXX card, although not used as of this time, appears active with access to the full {$500.00}. Called XXXX/Incomm cust service immediately, within one hour of purchase -- usually activated within ten minutes. 

After a very long hold to reach a human, got the run-around saying system error, problem will be fixed in 2 hours, we can not even access your card information. 

It has been three business days and again, only XXXX card shows a balance, the other XXXX are not recognized by their system. 

Their incident process is intolerable. 
I have notified the General Manager at the XXXX store before doing an XXXX charge back so she is aware this is not any attempt on my part at fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: CA

Complaint narrative:
They are calling wrong number. For over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC
State: TN

Complaint narrative:
Today XXXX XXXX, 2015 a representative called my home phone XXXX times s well as my cell phone XXXX. The representative call my home phone even after we spoke. This is a violation of the Fair Debt Collections Pracrices Act 15 USC 1692d Harassment or Abuse specifically 806.5 '' Causing a telephone to ring or engaging any person in telephone conversation repeatably or continuously with the intent to annoy, abuse or harass any person at the called number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I had a loan with Bank of Oklahoma for a Jeep. I soon after had a few life events, my mother passing, moved and loss of income. I notified the bank of this and they were willing to work with me on the loan. I came within XXXX payment of paying off the loan and then they repossessed my vehicle after I paid off the payment. Payment was sent through XXXX XXXX as I always sent it but, they said they did not receive it. It was repossessed after payment made and it caused me a lot of extra fees to get my vehicle back. I paid the fees got the vehicle back but then they kept reporting it as a repossession when it was paid and they repossessed it unfairly. After all the fees they tacked on it now shows as a repossession on my credit filr and they are not willing to work to show what happened. Is it even legal for them to repossess after the payment was made. What can I do to have it reported fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX and a company called Certegy asked for Social security number to cash a check. Why does Certegy have my social? I did n't give it to them. I did n't approve access to my personal information. Can you help me figure how this happened and what I can do about protecting my information? I do n't want this company to have access to my data, yet it seems they do. Thank you.

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 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: NY

Complaint narrative:
BSi financial one again has done an incorrect escrow analysis that has raised my mortgage payment by XXXX dollars I sent them a qualified written request with a copy of my tax bills and insurance. I also called them and explained the mistake but after 2 months they have not yet corrected this. They have called me several times and I have explained this several times to several different BSI employees each time they have promised to fix this problem yet they continue to call me and send me outrageous bills.I have been sending my regular payment in each month but they are not applied to my balance.this is the same problem we had last year and it was not fixed until we filed a complaint with the consumer financial protection bureau. This is a simple and obvious problem and at this point I feel I am being harassed by this company to the point that I am considering refinancing with a different company. I am also concerned about what they have put on my credit report. I have had this mortgage for 3 years other problems I have had with them my homeowners insurance was not paid on time and my taxes were not paid on time but they fixed these promptly after I notified them. Bottom line is this company has been a nightmare I ca n't imagine dealing with this company for 27 more years they should be finned for this kind of incompetence they should pay my closing costs for a mortgage with a reputable company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
i missed XXXX payment and made arrenagements to pay in person as this company has payments coming from out my account, however they charged my account anyway and i received several overdraft fees and even when dealing with the bank they were not able to correct the issue and hug up on us. now they contantly harras me at work home via email and text message i have asked to not be called at work which i never gave the number and my company does not allow personal calls they do not respect my wishes and contact both me and my manager

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX company XX/XX/XXXX. The real estate market crashed XX/XX/XXXX and became increasely worse XX/XX/XXXX until present. I could no longer make payments and gave the truck to someone else in order for payments to continue to be made. Unfortunately that did n't work. 

XXXX did a charged off. An attorney Nelson & Kennard are collection attorneys. They put a lien against my house XX/XX/XXXX and are asking for {$32000.00}. 
The debt owed to XXXX according to Nelson & Kennard is XXXX. 
Can this debt be collected twice? first by charge off and ford 's insurance, then by a company who bought the debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
I received a notice of intent to collect a debt from BSI Financial Services and when I mailed my dispute along with my debt validation, and qualified written request they refused to comply. They keep sending me payoff letters stating they are attempting to collect a debt. I requested them to validate the debt which they have n't done. They have only responded with letters stating they are attempting to collect a debt. I have attached copies of the letters sent to their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I cosigned for a student loan for my son to be paid after he graduated. Kohn Law Firm of XXXX WI, ( a " Nationally recognized debt collection law firm '' according to their Website ) starting working with the collection of the debt in XX/XX/XXXX. I set up a verbal payment agreement with them and began making {$200.00} per month in XX/XX/XXXX. Payments were sent to the firm at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I continuously requested validation of the debt and when they did sent me information it was not complete. 

In XX/XX/XXXX, they filed a lawsuit against myself and my son. We both hired attorneys and again both attorneys requested copies of the master list ( pool agreement schedule XXXX ) showing that this loan was transferred to a trust account. 
In XX/XX/XXXX, Attorney XXXX contacted my attorney ( who was hired to represent me on the loan of my son 's ) regarding another defaulted loan that was in his office on a student loan of mine. Now I did not hire the attorney for this matter and I had been dealing with Kohn Law Firm since XX/XX/XXXX, waiting for the master list ( Schedule XXXX of a pool agreement showing my loan was transferred to the trust ) As of today 's date I still have not received anything from them. Attorney XXXX violated my right to privacy by even mentioning this matter to my attorney, who, again was not representing me on this matter. 
This Master list regarding my son was never provided and the court dismissed the case in XX/XX/XXXX along with my counterclaim. My counterclaim was for a refund of payments made in the amount of {$2000.00} along with attorney fees and {$1000.00} punitive damages. Between XX/XX/XXXX and XX/XX/XXXX I actually paid $ XXXXXXXXAfter a month I contacted the Attorney XXXX XXXX requesting a refund of the {$2900.00} I paid on the loan that they could not prove the ownership of. He has refused. 
I sent an email again asking for a refund of my money and again he refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
Collection agency has called me at my place of employment three times and was told each time to stop calling me at work. I have told them each time they may call me on my cell/home number, but only XXXX time was that done. Today was the third time they have called me at work and the third time I have told them to stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
We filed an application for a loan modification in XXXX of 2016, but the application was too close to the sale date and was denied. We obtained a cancellation of the sale date because we filed for bankruptcy and immediately sent in a new application for a loan modification. We enlisted the assistance of the MHA who is trying to help us with a loan modification. The non profit organization accelerated the process and referred it to the escalation team, who tells us that they will not receive a response until the XXXX of this month. The bankruptcy was dismissed at the creditor 's meeting but that matter has been corrected and there is an emergency motion to reopen the bankruptcy scheduled for the XXXX of this month. The attorneys are seeking an order rescheduling the sale date, even though in the bankruptcy we also filed a Motion for Mortgage Modification Mediation program. That will be heard in the near future by the Court as well. I also corrected the errors listed by the Trustee. So, they are pushing for a sale date while a motion to set aside the foreclosure judgment is pending ; while we have the MHA office working on an escalated modification ; and we have the bankruptcy motion for mortgage modification mediation motion pending in the Bankruptcy Court. In other words, they are DUAL TRACKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
I was having some problems paying my mortgage due to my husband being in an auto accident & unable to work. My mortgage was through XXXX. They sold my mortgage to BSI Financial. I was about 6 months behind in XXXX XXXX. My husband & I received a settlement from the auto accident. I took care of all of my delinquent payments plus put over {$18000.00} down on the principle. That took me through XXXX XXXX. I made my XXXX XXXX payment. On XXXX XXXX, XXXX my husband & I received several intent to forclose notices saying I was 9 months behind. I called BSI immediately & was told to disregard those notices that there is an error in the computer system but I am in fact correct I 'm current on my payments & only due for the current month. I was told that the problem could n't be changed in the computer from where this representative was located. However I was not given the information on who or where to call to have this problem resolved. The next day I received another intent to forclose letter. I called again & was told not to worry about it but it could still not be removed from their system. This has been sent to the credit burro cause our credit to have a negative mark.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
Used XXXX to load money on my prepaid PayPower XXXX card but it was not added to my account. Have a confirmation receipt from XXXX, have the actual hard copy of the receipt that I have emailed XXXX times to the company and called close to a dozen times, spoke with several supervisors but yet over and over again they pass the buck and can not offer a resolution. It has been almost a month and still they have not credited my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CT

Complaint narrative:
My mortgage company has not comply to help my with a mortgage modification for almost 3 years already. I have submitted many documents to them with no cooperation. Now they wwant me to vacate the property and I am XXXX. They are sending a real estate agent every week to harrased and tell me that I have to vacate the house as soon as possible. I have no plave to go to and neither the funds to do so. All I wanted was to get a more comfortable payment for my mortgage and I end up almost loosing the property. They have submitted to me documents where they claim that the house has been foreclosed on. There no place on this documents that states that and also no recorded action at the Judicial department and website. Please try to help me in getting to comply with my request and work with me instead of hurting me. I have medical records that can support my XXXX status. Attached you will find the documents where they claimed that the house has been foreclose back in XXXX and I never was notify of this until I reported my complaint. Hope in hearing from you soon. 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 2016-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
They start calling at XXXX and call numerous times a day. Every day from different numbers for 2 weeks straight.

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 2017-01-25 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have been contacted regarding an account for a debt that is not mine by Convergent Outsourcing, representing XXXX XXXX for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, Convergence Outsourcing/ XXXX XXXX XXXX the following violations of fair debt collection practices : 1. Representatives from XXXX XXXX, XXXX, or Convergent Outsourcing contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over 8 years old. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX XXXX ). 

2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 

3. Representatives from Convergent Outsourcing repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - Convergent Outsourcing also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with Convergent Outsourcing insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 

4. Reporting of a debt that is over 7 years old to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over 7 years old. 
These issues will be reported to the consumer finance protection bureau. Any further

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
Medical bills from XXXX that 's not mine. I 've had XXXX insurance since 2011 so I would n't have a reason to go to this hospital

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 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: Convergent Resources, Inc.
State: OK

Complaint narrative:
Usually once a year or so my cell phone company, XXXX, says I have a past due amount. I get turned into collections for a debt that is n't really owed. This is n't the first time this has happened. My XXXX XXXX app just updated my score and it dropped about XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
AFTER RECIEVING MANY PHONE CALLS, I SENT LETTER DATED XXXX XXXX, 2016 REQUESTING COMPANY CEASE ALL ATTEMPTS TO CONTACT ME PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). THIS WORKED UNTIL XXXX XXXX, 2016 WHEN CALLS RESUMED, THE MOST RECENT CALL CAME TODAY XXXX XXXX, 2016. ANY ALLEGED DEBT WOULD CERTAINLY BE OVER 10 YEARS OLD SINCE DATE OF LAST PAYMENT. THE STATUTE OF LIMITATION FOR LITIGATION HAS LONG PAST ( 5 YEARS FROM DATE OF LAST PAYMENT IN ILLINOIS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
I received a negative credit mark for a small amount of money because I was never notified of the collection. I moved from XXXX to XXXX XX/XX/XXXX and the notices went to my old home. I have good credit history, have a perfect payment record, and have never had a negative mark before. I tried getting removed by CMRE collections agency but they said that their policy is to never remove marks as of XXXX 2015. This is absurd and should be against the law. I paid my balance timely and I believe that this should not affect my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
XXXX XXXX University returned Student Loan Money to lender after classes were taken, despite this student satisfying credit requirements for fulltime status. They then provided me with a bill that they stated could be paid with student loan funds from future disbursements. XXXX XXXX then stated that this practice is no longer allowed by the government. XXXX XXXX then sent account to collections. Collections service was asked on XXXX XXXX to validate debt and did not do so within 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: Convergent Resources, Inc.
State: MD

Complaint narrative:
About a year ago I had a debt collector convergent try to collect a debt for XXXX in which I still have XXXX I disputed this with all XXXX credit bureaus and they removed it form my credit report they are saying I owe XXXX I do n't owe this money I never miss any payments for XXXX and I still have XXXX as of today

Company response to consumer: Closed with explanation