vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nelson and Kennard, LLP
State: WA

Complaint narrative:
I have been trying to get this judgment taken care of with Nelson & Kennard for 30 days. I have made ten phone calls, sent one fax to Nelson & Kennard, and have only received two return phone calls. This is unacceptable. 

My first call was on XXXX XXXX, 2016 and I spoke with XXXX XXXX. She and I agreed that I have never received an written correspondence from Nelson & Kennard, not even a letter via Certified Mail which she mentioned. Nothing. During the past 30 days, I have received nothing from Nelson & Kennard supporting any debt : no copy of the alleged signed application for credit in which they are attempting to collect. 

I have provided a Satisfaction of Judgment for the XXXX debt to which I believe is the debt they are attempting to collect. 

I have good cause to believe I was sued in error. I was never served to provide me plenty of time to file a response. Therefore, this improper service provides me cause to have the judgment vacated! 

Today, XXXX XXXX, I faxed Nelson & Kennard a request to vacate, release, dismiss, satisfy the judgment immediately! 

Still, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
Sadly it has become necessary to file a chapter XXXX. I have retained an Attorney and preparations for a bankruptcy filing are being made. My Attorney has instructed me to direct creditors to his office. In XXXX/ XXXX of this year ( 2016 ) I notified several of my creditors of this development and all of my creditors with the exception of one have shifted communication to his office. I have a loan with First Heritage Credit,XXXX, TN XXXX Voice : XXXX Fax : XXXX In addition to making initial notification of the impending bankruptcy by phone to them in XXXX/XXXX. 2016 I also sent them via certified mail on XXXX/XXXX/16 a correspondence which served as my cease communication written notification. I again re-iterated my Attorney contact information in this communication that was received and signed for by First Heritage Credit on XXXX/XXXX/16. This communication also had the following FDCPA excerpt enclosure which highlighted point # 2 : 805. Communication in connection with debt collection ( 15 USC 1692c ) ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- ( 1 ) At any unusual time or place or a time or place known or which should be known to be inconvenient to the 15 USC 1692b 15 USC 1692c 805 15 USC 1692c consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antimeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( 2 ) If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; My Attorney information is available upon request incidentally. 

Despite these developments First Heritage Credit continues to make collection calls and has now begun to also harass the personal references I provided at the inception of the loan. I have three dated recordings from them ( XXXX and XXXX ) saved on my phone at present. 
Since I am also choosing to publish this complaint I am including this link : XXXX which give a lot of good information about repeated calls to debtors and references as well as a reference to a written cease communication. 
I see multiple violations regarding the conduct of First Heritage Credit in this matter. 
Thank You for the opportunity to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Action Professionals, Inc.
State: CA

Complaint narrative:
This account was paid and removed twice already yet it 's been placed back on my XXXX report. This account needs to be removed for the third time and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Nelson & Kennard are attempting to collect a XX/XX/XXXX judgment that was discharged in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I purchased a Reloadit pack to load money onto my XXXX card. Their website said they supported XXXX. Tried to perform the load and got a message saying that my card had to be verified. Waited a couple of hours and the verification had n't yet occurred. Called customer service and was told that it would take 4 hours. This should have been mentioned on their website. 

Tried to perform the load the next day. Still did n't work. Found out through calling customer service that they only support certain XXXX cards. Again this was not mentioned on their website. I asked how can I get my money back and was told to purchase a PayPower card. I searched for locations to purchase the PayPower card and none of the listed locations sell it. I asked customer service about a refund. They told me it would take 30 days to receive it. Nothing they 've promoted has panned out so I have no reason to believe that I will receive my refund in 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I currently have a " flex loan '' with advanced financial based in XXXX, TN, I am currently in the XXXX XXXX and have been for 7 years. I have called and emailed the company asking them to reduce my APR to 36 %. They have failed to do so. My loan was for XXXX and currently with all the fees they want me to pay back over XXXX they are trapping me in debt. How am I supposed to pay this back when they prey on me. This company needs to be investigated for fraud and abuse. Please Help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Recovery Services, Inc.
State: TX

Complaint narrative:
This company continues to send collection notices to us for a credit card debt that is at least XXXX. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the 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 2016-11-24 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
I am dealing with www.Remitly.com. This website lets you send money to several countries. I sent {$510.00} to foreign country. After 3 days they claimed recepient account information is incorrect. 

So I asked them to allow me to fix it. Their website does not have ability to even view recipient details after a recipient is set up. And there is no way to amend it. 

They insist on amending recipient details on phone only. Without showing me what are the recipient details they want to amend on phone. Which makes it VERY suspicious scam to hold money as long as possible. 

Given this frustrating experience, I asked them to cancel transaction!!! And it takes them 10 days to cancel it. 

This is nothing short of scam. Money transfer services must be regulated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Credit & Collection Corporation
State: MD

Complaint narrative:
Company keeps calling my place of employment and relatives regarding a debt that I am not aware of. They have harassed family members and call a public phone line which others have access to. They leave voice mails giving my name to co-workers and say they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ

Complaint narrative:
Creditor called once at XXXX and again at XXXX the same day which violates my consumer rights per the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
I have a payment plan with them i missed one time and I continue to get calls two three times per day including Sat and Sundays.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BorrowersFirst, Inc.
State: RI

Complaint narrative:
I was offered a personal loan to take care of medical bills by a lending company called Borrowers First. After the initial set up fee I have been repeatedly charged transaction on this account as if it were some sort of credit card. I have been faithfully paying off this loan through monthly installments for six months and each month the loan ammount is increasing. Today my balance is approximately a XXXX dollars more than what it originally was. 
I have been prioritizing the loan over all my other expenses. I have had to put off other expenses because recently they doubled the ammount of my monthly payment without any explination. This loan is ruining my credit, the balance is increasing with each month and can no longer afford to pay this. 
I really do n't want this to ruin my credit any further. What gives them the right to increase my balance and charge transactions onto this loan that are not authorized by me. I havent been able to pay other bills and everything is adding up, ruining my credit and my house hold. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I have been getting calls and voicemails from this one bill collector for months now. They call at least once a day, every single day and leave a voicemail. It 's always a machine that calls. I have over 40 calls from them in just the last month or so but it 's been going on way longer than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: CT

Complaint narrative:
This company 's representative lied to me upon signing the contract for the credit card machine. I have the contract but unable to attach at this time. It charged fees it was n't supposed to illegally and I was forced to close my checking accounts. Now almost 6 months later they sent me to collection stating I owe them money when it 's the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 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: First Data Corporation
State: TN

Complaint narrative:
TO : Bureau XXXX Consumer Finance ProtectionMy XXXX year old mother was a victim of identity theft in XXXX of this year. Counterfeit checks were created using her banking information, and XXXX checks totaling {$1100.00} were used at Walmarts in the XXXX area. Upon receiving her statement for XXXX, we notified the bank, who regained the money, closed that account to prevent further fraud, and filed a police report. 
TRS Recovery Services, hired by XXXX, has begun to hound her about paying for these checks. Over the weekend, she received a letter from them with a " Demand '' XXXX their word XXXX to pay their bill and a threat that a collection agent would be assigned to follow up if she did not. 
I have filled out a TRS dispute claim for all money owed and sent them a copy of the police report ( # XXXX # XXXX ) and a business card of a bank employee to contact, but TRS continues to call her XXXX or XXXX times a day, in spite of the fact that they have been told in no uncertain terms to leave her alone XXXX. 
I have also sent copies of all dispute forms and information to XXXX legal, as well as XXXX XXXX Department. The harassing calls continue to come in, and I am concerned about the emotional and possible physical effects the stress of worrying about this issue may cause my mother. 
Please contact me and let me know what my next steps need to be for you to investigate this issue. 

re : TRS Notifications XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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: First Data Corporation
State: NY

Complaint narrative:
The payment was made thought a debt collector on behalf of first data global leasing, since year XX/XX/XXXX for early termination fee {$290.00}. Matters face when they agent walking to my restaurant was told me no contract, no early termination fee, so we can consider is fraud, is scam, they have advertising in writing of XXXX XX/XX/XXXX I review my credit report, they inaccurate credit report bring down my credit score from XXXX to XXXX.and then I go online research I no the only one get hurt by first data global leasing company.my business closed, the processing machine being return. few days after I made phone call everything was fine,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MO

Complaint narrative:
I keep getting repeated calls from this number, more than once a day. If I call it back it puts me on hold to wait for someone.

Company response to consumer: Closed
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mother 's home was full paid and she applied for a mortgage in XXXX her only steady monthly income at the time was SSA benefits. She received the mortgage with payments of about $ 700/month. She passed away in XXXX and I have been trying to assume the mortgage since her passing. Complications arose from the beginning with the mortgage company not responding to the request ( multiple requests were sent for assistance ) ; there was multiple mortgage service providers ; dealing with the death of my mother and my own health and financial issues. The last company holding the mortgage again either did n't respond to requests for assumption application or repeatedly asked for the same information multiple times EVEN after acknowledging they had the information. The amount owed on notices were different, the POC changed multiple times ; notices were not being sent to the proper mailing address. The mortgage company took it upon themselves to change the mailing address. The mortgage company and the servicing provider even gave the neighborhood housing counselor a hard time in responding to requests and acknowledging information receipts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: EdFinancial Services
State: VI

Complaint narrative:
I agreed to rehabilitate my loans in 2006 and was lead to believe this was a 10 year loan. I am now in year 11 and not even 1/4 of the loans have been paid off. All documents say they are using simple interest at 8 %. I have since paid off more than XXXX on an 8 % mortgage using simple interest. 
My loans totaled XXXX and I started paying in 2006. At the time of my last statement I still owe more than XXXX. They have been applying most of the payments to the interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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: Kriya Capital, LLC
State: MI

Complaint narrative:
I informed the agency contacting me regarding said debt that the debt balance was incorrect! I advised them of such in less than 2 weeks they turned around and simply send me a form letter saying the debt is valid without confirming or checking with the creditor at all! I informed them in writing on knowing that they were simply sending me a form letter without checking out my dispute! They then sent me another letter acknowledging my dilute! Five days later they send me the same form letter again saying this was a valid debt! Again violating the FDCPA. This company in question is Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

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 2016-01-29 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Began calling monthly about 5 months ago. Payment is due on the XXXX and statements are normally received that day or after and mailed immediately. They refuse to send the statement earlier requesting payment be made by phone or Internet for a fee. Payments have never been past the XXXX grace yet they continue to call. Called me at work this month and I told them I was reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/2016 A man called from XXXX phishing for my XXXX child 's personal information which included personal health information. He kept pushing for my sons social security number, address, and medical information. Names of relatives, and who his guardian was. I refused to disclose this info. He stated that this bad debt was on my sons credit report.Demanded my sons PII. I later contacted the company after receiving a letter about the debt in question. The have bought and sold my minor childs info.

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 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Credence resource management XXXX Refused to withdraw my debt authorized consent stating why would I want to burden my husbands credit. and I as his wife should be aware that 's what I would be doing that to him if I do n't agree to the terms of non payment of this debt.

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 2016-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services
State: MD

Complaint narrative:
Hello, During XXXX I submitted my final payment to complete the loan rehabilitation program. I received a letter from the Department of Education that requests all credit bureaus to update any student loan account with negative information ( including default status and late payments ) to bring the account current. I submitted the letter from Dept. of Ed via fax to XXXX special handling department on XXXX XXXX, 2016 requesting for them to remove the account and/or negative information that is damaging my XXXX score. I was unaware that this request would go through the normal dispute channels and be actually handled like a dispute. XXXX has complied and removed the accounts from my credit profile ; however, XXXX confirmed on Tuesday, XXXX XXXX that their XXXX system verified that all information was correct with the account. This is n't the correct process to verify account information that is reporting inaccurately. The electronic system can not read the letter that was sent to verify inaccurate information reporting. The new loan servicer is now reporting to the bureaus and has updated their account status as well. 
I received an alert today stating that a recent delinquent account was reported to my profile. The account was from Ed Financial showing a recent delinquent account as of this month and is reporting incorrectly and should be removed. My score is suffering because of an erroneous update to the account due to the electronic dispute system that did n't verify account information accurately. 
I would like a resolution to this error immediately. I 've waited a full month since the account was placed in dispute status involuntarily. 
Thank you, XXXX

Company response to consumer: Closed with explanation