vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I filed, y taxes online through IRS and I had the option to either get my refund loaded on a pre pay card, Direct deposit or either get them mailed out to me. I choose to get the prepaid card through this company called Pay Power. 
I called paypower on today, which is Wednesday, XXXX XXXX, 2015 and I asked for my balance and I was informed that it was a balance of 300 dollars on my account. However, when I went to use my card I was informed that it was block on my card, mind you I have never used this card before. I called Paypower to find out what was going on and they informed that my card had been blocked because of Fraud. I asked them if they partner with the IRS how could it be tagged as fraud. I asked for his name and I XXXX number and then he hung up on me. I want to know how is there anything I can do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
I, have BSI loan service /mortgage., I have given my wife all permissions via fax. for her to handle all of my biz. with them, my wife and I never get a mortgage statement in the mail as to see what is being applyed to my loan, no statement to pay the mortgage. My wife has called last week & 6 weeks prior also, she must make copies of XXXX or XXXX rare statements that we have to beg them for, or just dig up their address & write a check. XXXX rep. said oh it is because I had a bankrupcy 15 years ago? Another rep. said oh yes every time you send a pmt. a statement will genarate, but this never happens. I am still waiting for any statement, my wife even begs these reps. for XXXX or XXXX statements with the same date so she can pay the bill. But the fact of the matter now I know the new rule as of XX/XX/2014 they must send a statement every month. I do think they are trying to make me have a late pmt. or a few, I feel this is a set up, to intensionally get me in fincial trouble. Also they failed to send my XXXX for my 2014 taxes, I got an apoligy letter XX/XX/2014 or so, after my wife and I calling, once again they lied & said they sent the XXXX for that year on XXXX dates, wow the post master must loose mail so much. what I demand is a timely statement every month, also this BSI said I had no homeowners ins. last year & once again, lie after lie they sent they want proof in the mail, post master lost a few of those letters too. I also want to recive that letter in a timely manner this year too. Yes I have XXXX & my agent faxed them their info. it is all in my file. Last year they put me in force placed ins. Desired resolution. TIMELY STATEMENT EVERY SINGLE MONTH OF THE YEAR, XXXX OUT BEFORE XX/XX/XXXX OF EVERY YEAR, TIMELY PROOF OF INSURANCE NOTICE AS SO WE CAN ALL COMPLY WITH THE LAW IN A CIVIL MANNER. ( BSI FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA.XXXX ) customer service XXXX this is the party my complaint is on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Credit Protection Association, L.P.
State: AZ

Complaint narrative:
Robo calls and agent leaving messages on my answering device, attempting to collect a debt from a person unknown to me, I have repeatedly stated I do not know this person named XXXX XXXX and to stop calling, this company refuses to stop and desist, and I want criminal charges for fraud against them. I do not know of the person or debt by this person. Company : Credit Protection, left contact numbers Phone No 's, ( 1 ) XXXX ; ( 2 ) XXXX, using their account number stated as XXXX, website I think stated as XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-27 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: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
FirstSource is harassing me by phone and by mail with a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
I filed chapter XXXX bankruptcy XX/XX/XXXX.completed plan XX/XX/XXXX. 
northwest financial servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
their phone XXXX XXXX. 
This matter concerns XXXX medical bills that were included in my chapter XXXX.they were discharged in the bankruptcy.i have tried to make them aware of that fact so they can stop collections and stop reporting to the credit bureaus.they refuse to stop all activity.Northwest manager name is XXXX. 
medical bills on credit report shows XXXX and XXXX.equifax is showing balance of XXXXbalance as of filing of bankruptcy was XXXX and XXXX. 
date of doctor visit was XXXX.reference numbers are XXXX XXXX XXXX changes account numbers on collections.Thank you for your assistance in getting this collection issue resolved.my bankruptcy attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
my name is XXXX XXXX XXXX.they also have collection activity on my spouses credit report.XXXX. 
would want it removed from collection on her also.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P.
State: DE

Complaint narrative:
CREDIT PROTECTION ASSOC did not provide adequate verification for debt question. No documents were provided showing a contract or a signature

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 2016-06-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P.
State: DC

Complaint narrative:
I have repeatedly sent this company written proof that this alleged debt was the results from identity theft, and they will not validate the alleged debt, but continued to make threats to me that they are filing a court case against me if I do n't provide them with a credit card for payment today.

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 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P.
State: WV

Complaint narrative:
" if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. 

I know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. 

All I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected.

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 2015-10-10 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: NJ

Complaint narrative:
I see on my credit report that there is a collection account for something I have never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: PA

Complaint narrative:
The number ( XXXX ) XXXX has called me XXXX a day trying to collect a debt. It is a machine when I answer and call back. The machine asked for a payment and I refused. Then it asked for my zip code and I gave it to them. It said they could not find an account. They continue to call. I do n't have any debt as I am young. I blocked the phone number and then ( XXXX ) XXXX proceeded to call me XXXX a day. Same thing as before.

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 2015-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
Our mortgage company 21st Mortgage has been harassing us about our payments. A month after we bought our home I got very ill and was no longer able to work. My husband made our payments as soon as he couldcould each month. On our statements it says we have until the XXXX of each month but they would start calling, texting and emailing us up to XXXX times a day on the XXXX day of each month. In XX/XX/XXXX we were late with our payment due to myself and my daughter having to have extensive medical test done. We called XXXX XXXX to make XX/XX/XXXX 's payment and they refused to take it, they said we needed to make both months payments right then which we were not able to do. They then sent XXXX men to our home around XXXX XXXX on a Saturday to collect both months payment. The added stress of this on top of my being diagnosed with XXXX ended sending me XXXX for XXXX and XXXX. We had to reach out and ask for help and family friends and strangers donated money to help us pay everything through XX/XX/XXXX. We have explained the situation over and over to the company. We also tried to ask them to assist us and they refused because our loan was so new. We are late this month ( XX/XX/XXXX ) and they started texting and calling around the XXXX of the month which is before the XXXX which is our grace period. They called and I spoke to them this past week which I happened to be with my daughter who was XXXX and I tried explaining that I could not discuss things with them at that point because I was focused on my daughter getting better. The supervisor got on the phone and informed me that this is not what they signed up for when they loaned us the money for our home. I got very upset and explained that I did n't sign up for my health to go so bad and have to have surgery and have my daughter get sick as well. They are very ruthless and do not care what we try to explain to them. They get made if we do n't answer the phone everything they call but why would we answer the phone XXXX times a day to explain the same thing over and over again especially when they are rude and demanding. Also after looking back at our original paper work there are XXXX different interest rates on our contract. They also said they were raising our mortgage because we underestimated the escrow about them they turn around and send us a check saying that we over payed or escrow so nothing is consistent with them. I 'm tired and unable to keep being harassed by them. It boils down to they harrase us before our late date and they send people all the way from XXXX XXXX to XXXX to intimidate us. This is ridiculous and in called for. They told me to save myself the hassle and just go ahead and pack or things and get out so it would be easier on everyone, this was when we were only XXXX months late. Please do something about this company and their lack of consistency and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bliksum, LLC
State: CA

Complaint narrative:
Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I get a collection account under my name with XXXX. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.

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 2015-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc
State: OH

Complaint narrative:
On XXXX XXXX, 2015, XXXX sent me an offer to settle my {$280.00} debt for only {$140.00} if I paid the {$140.00} within 45 days of the offer 's date. 

On XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 28 days from the date of the offer ) and on XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 42 days from the date of the offer ). This means that on XXXX XXXX, 2015, I paid XXXX in full. 

On XXXX XXXX, 2015, I get a letter from Northland Group stating that XXXX had turned over my debt of {$280.00} to them and that I need to contact them to arrange payment. 

This debt was paid in full on XXXX XXXX, 2015. This is an attempt to scam me into making a double payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
CHEXSYSTEMS IS UNLAWFULLY REPORTING XXXX AS ACCOUNT ABUSE AND XXXX REPORTING OVER DRAFTS. THIS ACCOUNT BELONGS TO PRIMARY ACCOUNT HOLDER.

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 2016-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX uses Certegy Check Services, " Certegy '', to provide a recommendation to process a check for deposit. Every month, for over 12 months, I have written and deposited a {$100.00} check into my sister 's XXXX account via remote deposit. This month, due to a computer algorithm that no one understands, Certegy recommended to decline my check for deposit, twice. Upon calling Certegy ( call reference # XXXX ), and providing approval as the payee, the company has no way to override a computer decision. There are more than enough significant funds available in my account, and I 've written the check and given my approval for deposit, yet Certegy is allowed to reject transactions without manual override. As a payee, I feel that Certegy has no legal right to reject a transaction against my account that I explicitly approve and have sufficient funds for.

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 2016-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Northland Group Inc
State: NH

Complaint narrative:
Third party was called. I have never used that number associated with any credit. Has never attempted to be reached by telephone before any third party was called

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
ChexSystems has n't contacted the Bank nor investigated this matter as they argued on dispute XXXX. On their resolution they said " disputed information has been verified to be accurate '' If you see the dates of this complaint and the attached XXXX XXXX letters dated XX/XX/XXXX and XX/XX/XXXX, confirming the account was settled in full in XX/XX/XXXX and stating that XXXX XXXX requested ChexSystems to update the account accordingly both entities are in non compliance of the FCRA. The issues in dispute are the account terms, status, the obligation to provide accurate information, the obligation to update it on timely manner.

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 2016-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Which address? 

The law says I have 30 days to respond and dispute a debt but I must mail the debt collector a dispute letter. 

In the collection letter XXXX of XXXX, AL there are XXXX different addresses on their letter, which XXXX do you use? 

If you do n't respond to the correct address the collection firm assumes the debt is valid. To protect yourself you must mail all three addresses. 

That is ridiculous. All debt collection agencies should be required to clearly print their name and address used to receive disputes printed using same font and size as the largest type used in the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Northland Group Inc
State: SC

Complaint narrative:
Receiving collection notice from The Northland Group via XXXX XXXX XXXX Bank. I have received letters on dated XXXX XXXX, 2015 to my cosigner and XXXX letters dated XXXX XXXX & XXXX to myself and my cosigner stating that XXXX XXXX XXXX bank has provided our information for collection activity. My loan through XXXX began being serviced by XXXX XXXX XXXX XXXX XXXX ) in XXXX. Regarding whatever the payment is, A representative from XXXX never attempted to contact myself or my cosigner. I also contacted The Northland Group via a contact form on their website stating the issue and that my loan 's payments have been sent and received by XXXX. I have not gotten a response other that the XXXX letters recieved today XXXX XXXX, 2015 that I mentioned earlier. XXXX notified me In XXXX 2015 of this change. All supporting documents will be attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Nationwide Debt Management Solutions, LLC
State: OH

Complaint narrative:
They called after XXXX and left a message..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
My wife and I are pre-approved by Movement Mortgage here in Georgia. My wife and I have met every stipulation that Movement Mortgage has laid in from of us and in fact we 've been approved but for some reason in the last few hours they wo n't process our loan ( we were supposed to close today ). In fact, they claim that the original loan processor called in sick today ( bait and switch ), and are now making us prove our loan worthiness once again while the sellers and buyers of XXXX other loans are waiting to close, the sellers of the home we 're buying are basically backing out of our signed and agreed to deal. Please warn other people of this bait and switch that we are going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Admin Recovery, LLC
State: CA

Complaint narrative:
On XXXX/XXXX/2015, at XXXX PST, I received a voice mail from XXXX XXXX with Admin Recovery at my place of employment. The message stated the the call is regarding " case file, XXXX, concerning a bad payment passed through XXXX XXXX Bank, in an breach of contract, that looked to have been done maliciously ''. 

When I called XXXX back, I was not provided the mini-miranda. He told that the account was pre-legal and that their attorney would be looking to sue me in small claims court in XXXX XXXX because the balance was less than {$5000.00}. When asked, he advised me that they are located in XXXX. It would appear that there was no real intent to sue at the time I was told this. 

Additionally, the voice mail and collector uses term " case fie '' to describe my account number with them in an attempt to misrepresent the legal status of the account.

Company response to consumer: Closed with explanation