vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
My wife has her house financed through the Virginia Housing Development Authority. In the last year we have had to change our home insurance policy on that house. VHDA has continually made mistakes with correctly paying out the policy to the provider XXXX XXXX insurance Company with XXXX as the agent ) via the escrow account. It was so bad that at one point because VHDA paid out to XXXX wrong insurance providers, who were not XXXX, XXXX and XXXX informed us that they were going to drop us due to non-payment. We thought we had that whole issue taken care of in the XXXX timeframe of this year. However about XXXX months ago we got notified by VHDA that the escrow account was shorted by over {$1200.00} and therefore the mortgage payment on the property was increasing by over $ 200/month to cover the shortage. The reason for this shortage was because VHDA had paid out, twice for about {$1200.00}, insurance companies who were not our providers. Therefore After spending over XXXX hours on the phone with XXXX trying to understand what the issue was and who caused it, my wife and I thought we had this issue taken care of. VHDA even sent us an annotated print out showing where they had sent out XXXX incorrect payments, received return payments from those companies and finally paid out, correctly, to XXXX XXXX. Therefore, my wife and I thought everything was taken care of both with XXXX, to ensure we had insurance on the house, and VHDA, such that there was no longer a shortage in the escrow account. However, when we went to make the monthly mortgage payment this month, the payment amount reflected an amount that VHDA told us we would have to pay because the escrow was short funds. What I am filling a complaint about is this issue. Why do I have a document from VHDA showing that my escrow account is in good standing and any issues with the lack funds in the account are as aa result of their mistakes and not ours as a homeowner, and somehow I 'm still responsible for missing funds that should n't be missing from my account in the first place. This issue has been ongoing for almost a year and we would like it resolved. 

ThanksXXXX and XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: First Data Corporation
State: MA

Complaint narrative:
My mother-in-law wrote a check at a XXXX ... the cashier processed the sale, but the check was written for the wrong amount. My mother-in-law went to the bank and store to try and resolve the issue. Not sure what happened but since then XXXX turned this over to a collection agency which " flagged '' her checking account ( which is all she uses, no Credit Cards or cash kept on hand ... she is over XXXX ). The credit Agency which I called today made me make a second payment of {$47.00} ( {$25.00} " penalty '' plus the original wrong amount ). They did not offer to send back her mailed in check payment and have not guaranteed she will ever get the money back, i.e. they are collecting this debt twice. Further they are using two separate companies to confuse people. The company that you call is XXXX XXXX XXXX while they company hired by XXXX is TRS Recovery Services. This allows each of them to not take ownership of what the other mistakes are done. However, they both have the same address, which is XXXX XXXX XXXX XXXX XXXX TX XXXX they have a XXXX in the same town/zip. They also pulled the trick of making me get her on the phone to authorize me to talk on her behalf, only to say when I called back that they had no record of it. 
They would not provide me with a address at first until I told them that I was filing this complaint. This type of practice should not be tolerated ... especially to older people. The mistake was not my mother-in-laws but the cashier at the store. Now she has had her checking account flagged thru " tele-check '' ( not sure if that this the right company ). TRS is completely unwilling to take accountability for what XXXX has done going as far as to say they are different companies ... how can that be when they have the same address??? Please help stop this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 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: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN

Complaint narrative:
I received a letter from American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX on a debt they claim there client XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I owe. indicating I owed a debit to XXXX XXXX XXXX XXXX XXXX for the sum amount of {$210.00}. I sent XXXX letters to the collection agency and also to the vendor. The XXXX letter was dated XXXX and certified receipt. I advised this debit was not due or owed, and we did not order the services. The vendor actually did n't sign for the certified letter but the collection agency did. I asked in the letter to correct the account as we did n't owe the balance, and requested they respond within 10 days of which I received another letter today. Today 's letter simply states per my request they are enclosing supporting documents for the debit owed, it is simply the vendors invoices. 
This is becoming a paper chase and my fear is they will report this in my credit. Need your help as I advised in writing the debit was not owed XXXX and certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
This is the second time they 've repeatedly called me after I sent them a " cease communication '' letter. The first time was from XXXX XXXX, through XXXX XXXX, 2012. On XXXX XXXX, 2012, I sent them a second " cease communication '' letter. 
I 'm not entirely sure when the calls started again ( I erased my Caller ID ) but since I erased my caller ID, I 've received five calls ( from XXXX XXXX through XXXX XXXX ). They do n't leave a message so today I called to ask them to stop calling. The woman who answered the phone was extremely rude. She told me name of her company but hung up on me the second time I asked for their address.

Company response to consumer: Closed
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Union Adjustment Company, Inc.
State: VA

Complaint narrative:
Received Stop Release due to garnishment and company Union Adjustment XXXX. XXXX XXXX XXXX, Ca XXXX XXXX. Has submitted a new garnishement same case # XXXX. XXXX County, Superior Court ... XXXX Ca. The stop release was given back in XX/XX/XXXX and XX/XX/XXXX here they are again taking my money. Company I purchased a car from over 15 years ago refused to fix a broken computer chip. Had not been 3 months. So I did vouluntary reposession and I ended up out of money put down and car i used as part of down payment. And had no transportation. Now all these years later these people who I do not owe a dime are garnishing my check for the XXXX time ... Please make this stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: First Data Corporation
State: HI

Complaint narrative:
Received letter from Money Network in the mail to upgrade an account. I do not know what type of account it is and I do not have an account with Money Network and I believe this is a SCAM. If this is not the right forum or site to report this please let me know where.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC
State: TX

Complaint narrative:
I was attending XXXX XXXX University XX/XX/XXXX - XX/XX/XXXX, during that time I both received financial aid, as well as paid a portion out of pocket. Once I finished the term, I did not wish to return taking classes there. It was to my knowledge that I left in good standing, however, I later on received a notice in the mail saying I had an account that had been sent to collections from XXXX. When I called it was still very unclear why I had a balance because I was awarded the federal pell grant through financial aid for all terms that I attended. I never received documentation that I had a balance prior to the letter about sending my account to collections. I did move to a different apartment complex and did n't think to make XXXX aware because I was no longer attending classes there and was not notified I had an outstanding balance. When I called they told me I had a balance of {$630.00} and that now I had to wait for the collections agency to contact me. I later checked my credit report and XXXX report {$820.00} which is a different amount. I would like this to be deleted from my credit report one way or another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: First Data Corporation
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I received a letter from TRS Recovery Services telling me to send {$500.00} via cashier 's check or Money Order for a XXXX transfer dated XXXX XXXX, 2016 that supposedly had a stop payment on it. My computer was hacked on XXXX XXXX, 2016 and my email account was compromised. They got access to all of my User IDs and Passwords, which have all been changed. In addition, XXXX informed me that my XXXX account was closed by them on XXXX XXXX due to a suspicious activity alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XXXX is charging us for 4 days rent prior to the move in date for an apartment that we elected not to rent because : 1. Security deposit was tripled during the approval process 2. XXXX reneged on the use of our own washing machine ; the " XXXX '' cycle '' of our washer being critical to the health of our 7 month old, born 3 months premature, 89 days in intensive care, as of the move in date XXXX/XXXX/XXXX. 
3.XXXX required certified checks for security deposit and XXXX months rent, ( impossible to procure prior until Monday, XXXX/XXXX/XXXX ) prior to move in. ( Holiday/Sunday ) 4. Approval to rental application not issued until XXXX/XXXX/XXXX. 
5. Carpet cleaning scheduled XXXX/XXXX/XXXX. 
6. Original move in date was to be XXXX/XXXX/XXXX per XXXX advertisement. Early move in was requested by us, not mandatory.

Company response to consumer: Closed
Consumer complaint received 2015-11-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: First Data Corporation
State: TX

Complaint narrative:
On XXXX/XXXX/2015 am authorized transaction of {$10.00} was deducted from my payroll account to XXXX bill pay. I can not know the possible reason why unless the financial institution, or someone who works there is to blame for this because I have no XXXX bill pay accounts. Also, when I called customer service to dispute the master, the first representative tried to tell me that it could n't be disputed because the charge was already settled. Then he told me that he would cancel my card and issue a new XXXX at no charge to me. However my account now reflects a SECOND unauthorized charge of {$6.00} for the reissuing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: OH

Complaint narrative:
please refer to # XXXX I had a acc with XXXX XXXX they closed my acc and are telling me I am stuck with the credit card processor till the end of the contract. I was told I would be let out of it by XXXX in security. XXXX XXXX vice president of consumer affairs was rude condescending. please help its been going on for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Bureau of America Ltd.
State: GA

Complaint narrative:
I need COLLECTION BUREAU OF AMERICA FOR to validate and verify pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and COLLECTION BUREAU OF AMERICA is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). COLLECTION BUREAU OF AMERICA has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want COLLECTION BUREAU OF AMERICA to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) need this information because within five ( 5 ) days COLLECTION BUREAU OF AMERICA needs to provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for COLLECTION BUREAU OF AMERICA. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants CREDIT BUREAU OF AMERICA TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because COLLECTION BUREAU OF AMERICA says she owes them money and according to the LIBER CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract with. The unauthorized intrusion into the Consumers Credit Reports are not part of what Consumerism is about. This CORPORATION is in PROFIT, TRADE, AND BUSINESS, and the Consumer has personal, family, and household goods and it is not to be misconstrued for PROFIT, TRADE, AND BUSINESS, like this CORPORATION,. 
COLLECTION BUREU OF AMERICA is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. XXXX XXXX XXXX XXXX Consumer

Company response to consumer: Closed
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AL

Complaint narrative:
Got a call yesterday from American Medical Collection just an FYI the rep was a XXXX man and he had a very rude way of talking to me. Said that I owe XXXX and that I needed to pay this today and if I did n't make an attempt to pay this off that going forward there was n't anything he could do and that they would per sue with legal actions against me. I told him that I 'm on a fix income and that I could n't afford to pay anything at this time. And he said well I guess we 'll have to levy your bank account cause regardless XXXX XXXX we 're going to get the money that is owed one way or the other and then he hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I sumbmited a complaint on 21 st mortgage THERE RESPONSE WAS THAT WE SINGED THE CONTRACT. THE CONTRACT SIGNED WAS FORGED BY XXXX XXXX IT WAS A FORGERY!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ACCOUNT NUMBER XXXX PURCHASE XXXX 2010 WE DID NOT SIGN ALL OF THIS CONTRACT I HAVE THE PAPERS SHOWING A FORGED SIGNATUREW OF MY NAME!!!!! PLEASE RE CONTACT THE M THEY NEED TO SETTLE THIS COMPLAINT WE WANT SOMEONE TO CALL US!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 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:
After pulling my credit report I see that there is an account on my credit file from XXXX ; however, I have not had XXXX as they did not provide service in the area I lived for the last 10 years. At XXXX XXXX XXXX.

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 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Protection Association, L.P.
State: MD

Complaint narrative:
I submitted a payment for a past due comcast bill on XX/XX/2016 in response to a letter dated XX/XX/2016. The money was never deducted from my account. I contacted Credit Protection Association L.P. and advised the payment was not processed. There was an error with the account number entered. I submitted payment on that day XX/XX/2016 and was advised that the payment was processed and the account would be noted correctly. I was also advised that the account would not be reported to the any of the XXXX credit bureaus. A recent check of my credit reports show that account was reported after the payment was made.

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 2017-01-04 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: FL

Complaint narrative:
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

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 2016-05-10 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: FL

Complaint narrative:
Unknown company listed on my credit and unknown account and bill I have disputed and nothing received

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:
There is a collection account on my credit for {$290.00} for service I never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-22 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I purchased Reloadit brand reload packs for a XXXX prepaid card. This company requires you to load these packs into an online 'safe ' and then from there you can load your card. The website allowed me to load these packs into my safe, then would n't let me load them to my card. I logged out and came back later to find the company had locked me out of my own safe. I called their customer service line numerous times. I was accused of stealing these packs and was told I must provide proof that I bought them. They considered it suspicious to have purchased these packs from more than XXXX location with days between each purchase. At XXXX point they even said I should expect to be contacted by the FBI. 
The customer service representative gave me an email address to send the proof that I had purchased the packs. I was required to send photos of the reload cards and receipts. I was also required to provide a photo of me holding a government ID. I emailed everything the same day. I called back a week later and the person told me he never got them, then asked for my landlords telephone number to prove I live where I said. He started counting down from XXXX, when I would n't give it to him he hung up on me. I called more times. They put me on forever holds on more than XXXX occasion ( that 's when you get put on hold with no intention of them returning to the line, XXXX minutes without checking in ) They locked my account permanently with {$650.00} dollars in there. 
A number of days after being told by phone they never got my email, somebody responded to the email I sent them. She asked for more information and was quite polite. Then she called me to confirm my address for the refund check. 
Still no check. I emailed her and now she is unresponsive too. This has been going on for months. Every person I call now says there is no way I 'm getting my money back. I recently called them again to try to resubmit the information they require. They said they wo n't be making any effort to resolve this issue and my money is gone.

Company response to consumer: Closed with explanation