vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstate Collection Center, Inc.
State: NY

Complaint narrative:
In early 2016 I contacted Upstate Collection Center for an amount due on an account I had with the bank. The bank told me they sold the account to them. I spoke to a lady named XXXX XXXX who was in charge of the account. I informed her that I wanted to settle the account and if they would take {$1500.00} to settle. She told me call me tomorrow and I will see if the bank will take that amount, which I found weird because the bank told me that they sold the account to them. When I called her the next day she said we can settle for XXXX that is what the bank is asking for. I told her ok let me see if I can get the rest. The car in question got into an accident and was total. I went to the bank reported the incident and they advised me to call upstate collection center pay the amount we agreed upon to get the lien off the car. I called XXXX XXXX and asked her if the settlement amount was still the same XXXX, she responded yes so I told her that a gentleman named XXXX was going to call her on Friday and pay the XXXX. She stated fine not a problem. On Wednesday the insurance company called to resolve the issue and another lady answered the phone and stated that I was being billed the full amount because I did not tell her that the car was total. I said your just the collection agency collecting a debt, not the bank, the bank is the lien holder not them. I asked to speak to XXXX XXXX and she refused. I told her that we made a settlement agreement and the insurance company was going to pay them and she stated well since they are paying this is the way it is we are charging them the full amount. I told her 4 days ago I was paying and it was XXXX, her response was too bad that 's how it is like it or not. If you want the lien off you have to pay the full amount. This whole conversation taking place while XXXX was on the phone, they were shocked, I was shocked and beside myself. XXXX decided to put the account on hold until they come to terms with the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Main Street Personal Finance
State: CA

Complaint narrative:
In XXXX my husband got a probate cash advance from a " probate inheritance advance '' company called ACAC , Inc . They had him sign a deed of trust and recorded said deed of trust against the real property in his mother 's estate even thought they told him that they would not do that until the loan became due which was XXXX, XXXX. In XXXX XXXX they filed a petition to have him removed as administrator and to force the sale of the family home. Since that time we have been fighting them in the probate court. In XXXX of last year they filed a declaration showing that at the time of the transaction they did not have a Mortgage/lenders. We have filed a lawsuit against them. They are stating that it was an " advance '' and not a loan so California statutes do not apply. I am trying to find out what the difference is between a loan and an " advance ''. Any help would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Basically what happened is before XXXX in 2015 someone that I do not know deposited checks into my bank account in the amount of XXXX dollars and withdrew the money from an atm in XXXX. I changed my password immediately on my USAA app on my phone and reported this fraudulent activity to USAA. I did not hear anything from them and suddenly my bank account was frozen and my account was XXXX. Shortly after I was unable to get any of my XXXX paychecks and the bank said that money can only go in not come out. I have not received any paychecks since this time and now they say that I owe XXXX to reopen my account. I am a XXXX veteran and times are tough I can not pay the XXXX and in addition to that I am unable to work to make any extra funds. would just like my money back that is mine and was payed to me from the XXXX administration and from social security. I have had Usaa for approximately 9 years and I feel like they have left me for chopped liver. Any help would be greatly appreciated. 

very respectfully, XXXX 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 2017-03-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Reporting incorrect information in regards to payment due payment history and total amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 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: NY

Complaint narrative:
convergent OUTSOURCING HAS REPORTED NEGATIVE INFORMATION ON MY CREDIT FILES CONCERNING A DEBT I DO NOT OWE TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
This company never sent me a notice of right to dispute at all. I sent a debt validation request asking for information and they have yet to respond. They even pursued to report the debt to XXXX and had not yet validated the debt with me during this 30 day period. This is a violation of the FDCPA. I will seek legal ground if this is not stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I dont even know who these people are

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Optimum Outcomes, Inc.
State: UT

Complaint narrative:
I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Impolite people calling from something called " Convergant Outsourcing '' looking for someone I do n't know. 

Immediately began to ask me questions about myself after I asked them to NOT call here anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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: Credit Protection Association, L.P.
State: MD

Complaint narrative:
XXXX continue to bill me after I have discontinue their service and returned their cable boxes to them. When I called them, they apologized to me and said that I will get a refund of {$46.00} in the mail. Instead, I got a letter from their Collectors.

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 2016-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
BSI the new servicer provider did not get my account in their system properly set up. the account should be with them effective XXXX XXXX but they only set it up the account by the end of XXXX. Before that date both, the loan originator and servicer provider, refused to accept my payments. Finally the loan originator took the payments. As the account was set up retroactively BSI register the missed payments and sent me a Notice of Intent of Foreclosure in XXXX. They also assessed late fees even though I stated the payments were made. When they waived the late fees upon my request they stated they wo n't report to the credit agencies but they did. I contacted them back and then they fixed the payment date in their system and told me next month the new report to the credit agencies will correct the situation. I disputed the adverse report to the credit agencies and submit the evidence. Nevertheless BSI responded to the agencies again that I paid late and my claim was concluded by the credit agencies. Please note that, for example, BSI just reported to XXXX on XXXX XXXX even though the information in their systems is updated two weeks ago. I contacted BSI supervisor XXXX XXXX and he stated that everything was ok in the system and nothing was late as of today and that next month in XXXX XXXX they will send a new report to the credit agencies and everything will be sorted. 

I inquired about the report to the credit agencies and after state he have no knowledge about that communication with XXXX he said that it will be solved next month. I asked is there 's any process whenever they get the dispute from credit agencies and he was not able to answer. He just said that they do n't go case by case and that it will be fixed next month as part of their monthly report to the agencies. 

Im very concern about how this institution is handling the accounts as I got a notice of intent to foreclosure before receiving a welcome package with account number. I was calling very often to get the account number and they were not able to provide timeframe. When I told them the payments were forwarded to them they just said they know nothing about it and I called the loan originator who then contacted someone over there to get the checks cashed and applied. Despite this nobody check the account status to clear late fees assessed per system and I had to call them. Then nobody took care of the application for payment dates and to validate the information was not incorrectly reported to credit agencies. On top of that I initiate the claim with the credit agency and they just denied my claim, triggering the close of the claim, stating my claim was false and making their statistics look good. And now he just said that it will be fixed after XXXX 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 2016-09-15 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: Credit Protection Association, L.P.
State: IA

Complaint narrative:
I cancelled my service with XXXX XXXX for several reasons, one of which I paid every month for a " very fast internet speed '' only to find out I was n't actually receiving anywhere close to the speed I was paying for. I continually called to complain not only was the service slow, many days I had no internet service at all. Upon cancellation I was instructed to take all equipment to XXXX and ship back to XXXX. I did this within 4 days of cancellation. I also called XXXX after I obtained a tracking number from XXXX and gave it to the representative. Three months later I received a collection notice and several very rude calls. Once again I gave them the tracking number and was told it was taken care of. ( At which time I made the mistake of discarding the receipt from XXXX because I believed it was taken care of ) In XXXX, 6 months later I received another collection letter indicating the debt had been reported to the XXXX credit repositories as a collection account. I called the number on the collection agency statement. Not only was it an automated system, there was no way to speak to an actual person. I called repeatedly and tried every single " press # '' if ... scenario. Every single time the system hung up if I did not select " make a payment ''. At no time was it possible to speak to a person. Now I have a collection account for {$200.00} on my credit with no way to contact the collection agency. I am in the mortgage industry and review credit reports daily. XXXX has a very bad business practice of reporting collection accounts and now I understand when borrowers truly have no idea they had such collections.

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 2015-06-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC
State: LA

Complaint narrative:
I am in the process of paying an attorney for Chapter XXXX. I contacted XXXX different loan companies advising them of this and told them to cease all contact with me. The continue to attempt to call me on my cell phone and at my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Acceptance Solutions Group, INC
State: MO

Complaint narrative:
They are removing money out of my account after numerous emails send telling them not to and revoking my AHC. I have also requested them to remove my debit card information as this is a part of my " banking Information ''. They are putting me in a financial bind taking money out of my account when they are not supposed to. I will never work with this company again once my debt is paid. Their associates are rude. and poorly trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am unable to make a payment this month because I have unexpected major car repairs. I contacted the lender and they have called more than ten times daily to threaten me with " major collection actions '' if I do n't borrow the money, pawn something or take another payday loan to make my payment. I am afraid of what will happen next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I took out a loan with Loan Me.Com. at the time I took out the loan the payments were set for 4 years at {$350.00} per month automatic deduction from my bank account. When I called them to find out the payoff balance, the amount I was told was greater than the amount I originally borrowed. I have been paying on this loan for a year and have paid a total of {$3800.00}. They told me the payoff would be XXXX the interest rate is 135 %. I am wondering if companies can do this legally and what options do I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
I have asked the attorney XXXX XXXX XXXX XXXX XXXX IL XXXX phone XXXX Fax XXXX email : XXXXXXXXXXXX and BSI Financial but they are not willing to consider me even theough property at XXXX XXXX XXXX , IL XXXX is subject to treasury modification for any kind of plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch

Complaint narrative:
I successfully completed my Chapter XXXX bankruptcy and the discharge was sent to BSI by the court, my attorney and myself by USPS and fax. They claim to have not received it, have not cashed the final payment from the BK court and are refusing my payments because they state I am still in BK. Wait times are ex- cessive, employees are rude, calls are not returned and they are great at dumping you into emails that have no contact information and nothing is getting done. This is placing my 'fresh start ' after BK in serious jeopardy and I am beyond panicked at the thought of this ruining my future when I am clearly trying to do the right thing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: MI

Complaint narrative:
BSI Financial, my loan services, notified me in XXXX, XXXX about a change in my escrow servicing. They figured my taxes wrong, by nearly {$650.00}. I notified them immediately about their error, with paperwork from my city clerk. The process to straighten out this error has taken over 6 months. Over those months, I continued making my regular mortgage payment of {$800.00} ( vs their suggested payment of {$730.00} based on their escrow analysis ) They notified me of a mortgage shortage of {$410.00} in XXXX XXXX. Which I paid. The amount they are now saying is due is {$840.00}. None of this adds up. They are selling my loan, effective XXXX XXXX. I want the new servicing company to get a clean, well calculated escrow amount and I am highly doubtful this will happen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 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: Credit Protection Association, L.P.
State: PA

Complaint narrative:
Received a Collection Notice from : Credit Protection Association L.P . 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) in the amount of {$1000.00} for undisclosed services provided by XXXX with no specified date. 
I believe that the demand is fraudulent because I can not recall ever having had an account with them or XXXX ever providing me with a product or service.

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 2015-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I paid the balance that was due and given to me then a month later they sent me a bill for another XXXX dollars. I will not pay it because it was arbitrarily charged for services not performed. I paid for what was done. The Collection company is listed on my report as Professional Finance XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
They stated when i picked up the phone they were going to have picked up with a court order and they said if right now at this moment i do n't give the account number and set up arraignements they would take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I requested account closure via XXXX mail XXXX/XXXX/2016, per the Terms and Conditions of the account, by mailing the card and a letter requesting closure. While not required per the t & c, I also included copies of my photo ID, as a courtesy and proof of my identity and address. My account balance at the time was XXXX, and I asked that it be sent via check to my address on file, which matches the address on my photo ID. As of XXXX/XXXX/2016 I have still not received a refund. I was also charged a 'monthly maintenance fee ' of {$5.00} on XXXX/XXXX/16, and again on XXXX/XXXX/16, indicating the account has not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: RI

Complaint narrative:
BSI Financial denied a loan modification because they said I never sent the proper paperwork in. I sent all the proper paperwork to my attorney who then sent it to BSI. BSI is the servicer of the loan. XXXX XXXX was the original servicer and they denied me a loan modification XXXX different times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mayan, LLC
State: WI

Complaint narrative:
I keep getting phone calls from phone number : XXXX. They call constantly. I had XXXX calls from them in 4 days. It 's an automated/computer call. They have been calling for a few months now. I did try to call them back 1 time and it went to voicemail. To my knowledge I do n't owe any money that would be under debt collection. I tried to research the company ( XXXX XXXX, or XXXX XXXX, not sure of spelling ) and all I find are reports of scams connected with the phone number.

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