vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: NJ

Complaint narrative:
Medical Business Bureau ( MBB ) called my wife and asked to collect on a medical debt for the amount of XXXX. The agents name was XXXX XXXX. I had spoken to the billing service that submitted the debt to MBB, and I have on record the actual amount that was submitted to MBB which was XXXX. When I called MBB and asked for XXXX XXXX, I inquired about the total amount that was submitted from the billing office, and he clearly states on record the total amount that was submitted was for XXXX. I contacted FTC and spoke to an associate who confirmed that the act of attempting to collect more than the requested debt submission is illegal. I am filing a claim against this company because of it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I sent a letter to Franklin Collection Service asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16, said they would delete on XXXX/XXXX/16 and it is now XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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: Pinnacle Credit Services, LLC
State: VA

Complaint narrative:
Account was paid in full in XXXX. I contacted collection company on XXXX/XXXX/XXXX and was informed that they recently inquired Pinnacle collection and after reviewing their files they agrred to close account as paid in full and to report to XXXX that account should not have been reported as open balance due.

Company response to consumer: Closed
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: OR

Complaint narrative:
Being that it is XX/XX/2016, like most people, I pay my bills online through my online Guild Mortgage account. I happened to glance at the XX/XX/XXXX statement that came in the mail which I do n't normally do, since I use the online service to pay my monthly mortgage. When I noticed an amount of {$810.00} on my statement for " Fees & Charges '' with no detailed explanation I called Customer Service to find out what it was for. I was told these were late fees that had been accumulating. I was completely shocked since I have never seen any indication of a late fee when I log into my online Guild Mortgage account. I have discovered that there is absolutely no place in the entire process of paying my bill online in which this amount would be indicated. If I do n't know that I owe it, how can I pay it? It is unacceptable that Guild Mortgage offers online account access and bill payment, yet does not provide COMPLETE account information. Late fees are intended to incentivize on-time payments by monetarily penalizing the account holder. If I do n't know that I 'm being penalized, then I do n't have the same opportunity to change my payment habits to avoid these fees. I have MANY online accounts that I access and pay each month, and in every single case I am provided a full and complete detail of my account balance in my online account. Guild Mortgage is the only exception. It is my opinion that the utter lack of information in my online account is a predatory practice to accumulate exorbitant late fees before the consumer realizes what is happening. 

Additionally, when I spoke to Customer Service on Saturday, XX/XX/XXXX I asked to speak to a Supervisor. I was told that a XXXX would have to return my phone call and that I would receive a call within XXXX hours. It was not until 6 days later on Friday, XX/XX/XXXX that I finally received that call. I was unable to answer the call and the message I received from the Supervisor, XXXX XXXX he did not provide a last name nor did he provide a phone # that I could reach him at ) was that he could confirm that there were late fees, and that I could call Customer Service to verify the dates of those late fees. I was VERY clear in my initial request to speak to a Supervisor that my issue was with the online system and the failure of Guild Mortgage to provide a full and accurate account balance and detail. I waited 6 days for a Supervisor to call me back and not address my issue in any way. Unacceptable. 

I am requesting that Guild Mortgage reverse these late fees and work to update the online account and bill payment system so that their consumers are not being left in the dark. As I told the initial CS rep that I spoke to, I will be refinancing in the very near future, and at this point I will not consider keeping my mortgage with Guild based on my experience outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
I was never contacted about debt from debt collector and was placed on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 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: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
I have made several attempts to get the debt collection agency to validate the alleged debt upon proof claim via of bona fide documentation. They have remained tacit in this regard and have never responded to any correspondence sent to them and have violated several parts of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I did not receive this service that I am being charged for. I attempted to contact this business to dispute this, but they had gone out of business. I was referred to this agency for XXXX, but they closed business before providing me with the service required. They were not very business minded. This is probably why they went out of business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: D&A Services, LLC
State: PA

Complaint narrative:
This collection agency claims that they sent me a letter. I have never received anything. Secondly they are calling my main work phone number after being told that they can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Western-Shamrock Corporation
State: SC

Complaint narrative:
National Finance continues to report late and past due balances to the XXXX credit bureaus. National Finance was included in the bankruptcy, they were notified in XX/XX/2016. No reporting should have occurred beginning on XX/XX/2016 it violates the automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 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: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I opened an account with XXXX wireless service, with XXXX phone lines. The second account # XXXX was charged off and closed in XX/XX/XXXX. The first account # XXXX account has been " sold '' XXXX to a collection company. The problem is once a collection company gets the account it reports the date of when the account went bad to the date that the collection company bought the debt. A collection company named Pinnacle, is using XX/XX/XXXX as the reporting date. I have asked for proof from the credit reporting agencies. I received a letter from XXXX saying that they have conducted an investigation and that the information they received from XXXX was accurate. I am requesting a that your agency request the information, I am confident it will show that this XXXX account is past the time to be reported in a credit file. And In am requesting that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Pinnacle Credit Services, LLC
State: IL

Complaint narrative:
KEPT CALLING ALL FAMILY MEMBERS CELL, WORK AND HOME NUMBERS ( SEE ATTACHED LIST ) IN VIOLATION OF TCPA.

Company response to consumer: Closed
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
I received a " notice of motion for Judgement upon default of stipulation of settlement '' in the mail from Lyons, Doughty and Veldhuis, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX XXXX. I did not pay as agreed but did call and spoke to XXXX @ XXXX and asked if I could set up a new payment arrangement and that I had just gotten a part-time job. I asked that if I agreed to the new payment arrangement would this judgement still go into affect, she said " no '' it would not go into affect as long as I started to pay as agreed in the new arrangement. I also asked if I needed to respond to the civil action, she told me " no '' and that by talking to her, this was putting a halt on the action from proceeding. I trusted and believed her because she works for a law firm and did not think she would give me false information. When the new coupon book came in the mail to me on XXXX XXXX, 2017, I mailed my personal check to them and they received my first payment in XXXX 2017 as agreed but still put the judgement through. How is this legal? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I filled out an application for a signature loan with SOFI. www.sofi.com I uploaded the requested documents and they sent me a verification of employment to fill out. i filled out my portion. They faxed it to my employer. They did not include my SSN or an address where the verification can be sent to. 
After waiting about a week and several calls, my employer said they can not by law give out wage information by fax and needed a physical address which SOFI could not provide. Also, SOFI, as a lender should include a SSN when requesting verification of employment. 
I believe they are doing a bait and switch program to lure potential borrowers with attractive options and once a potential borrower applies they can not complete the loan because the way they conduct business prevents the loan from being able to get documentation required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
They will not tell me who the original creditor is have asked several times. They asked for proof of recieving XXXX XXXX months ago I provided it. Now XXXX months later there requesting it again. They have called me at my work in the past I asked them to not call me there within a month they called me there again putting my job in danger. Very rude on the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: United Services Veterans Mortgage, LLC
State: TX

Complaint narrative:
As a mortgage holder and veteran, we receive many offers to improve our mortgage. XXXX that is especially irksome is United Services Veterans Mortgage ( NLMS XXXX ). We 've received its offers before and trash them immediately. Now I want to take action. On its envelope return address it says XXXX XXXX and its literature says XXXX XXXX. The implication is endorsed by XXXX XXXX and/or the XXXX. With its name, it gives an aura of being an official organization of the U. S. Federal government. Without due diligence, a person would be duped by this implied endorsement and fall for their product whatever the final outcome. As a military veteran, I did n't fall for it but I want action taken to prevent other verterans or active duty military members, especially new homeowners or young members, from being taken in by these dubious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
The debt belongs to my son and they refuse to remove it from my credit bureau information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: DOLEX DOLLAR EXPRESS, INC.
State: CA

Complaint narrative:
I did a money transfer on XX/XX/2017 when the person that was supposed to receive the money went to pick it up he was told that the transaction number was incorrect. He went three times to try and pick up the money but Was also told that the money he was trying to receive was not there. He double checked that all his information was correct which it was and still had trouble receiving the money. It 's been 15 days now so I 'm making this claim because you failed to provide this service and for not going through with the transaction the day it was supposed to happened. I 've tried to call customer service but no one has givien me a solution to this issue. Dolex dollar express inc. my name is XXXX transaction # XXXX Beneficiary : 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 2017-03-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XX/XX/XXXX Office of Privacy and Civil Liberties XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Citibank Customer Service XXXX XXXX XXXX XXXX, SD XXXX To Sir or Madam I am writing to bring to your attention a serious issue I had with the Citibank. 
On XX/XX/XXXX a representative from Citibank Collection Department called my home. The caller spoke to my spouse and went into details about my credit card bills. My spouse is not my co-signer on my applications. 
I want to report this matter because I feel that Citibank 's representative broke the Privacy Act XXXX LAW. 
I hope to hear back from you about this incident. I can be reached by phone at XXXX at any time or by email at XXXXXXXXXXXX. 
Sincerely, XXXX XXXX XXXX PS The orginal was sent to the above address

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 2016-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
I need in writing the resolution from second round collection agency the this debt is not collectable and I 'm not liable and longer

Company response to consumer: Closed
Consumer complaint received 2015-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MNE Services, Inc
State: IN

Complaint narrative:
I was contacted by Star Cash XXXX XXXX at a time i was desperate for money. They told me they would grant me a loan but my credit score was bad so i would need to XXXX XXXX {$200.00} as a deposit.They said the loan plus the {$200.00} would be deposited in no more than XXXX minutes.They told me that if I received a phone call from anyone to tell them i received the money from a friend to avoid extra charges.After sending the money I got a phone call like they said I would, I was told that there would be an additional charge of {$310.00} .This is supposed to be some sort of tax because the money was sent out of the country XXXX.The man at the loan company called me back and was irate with me for giving his phone number to them but told me to send the extra {$310.00} and they would cover that amount also PLUS THEY WOULD GIVE ME AN EXTRA {$100.00} for my troubles.I did not send any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX XXXX with The Phoenix Recovery Group has contacted me several times via phone calls and emails concerning a debt that she says I owe her client XXXX Apartments in XXXX Texas. I have been in disagreement concerning this debt for a long time. I have considered trying to workout a payment plan because I simply wanted it off of my credit, but when she sent me her documentation concerning the debt I noticed several things that were invalid and several documents that I never signed or consented to I told her I was in disagreement and I would dispute the debt, she then said that since she had a copy of a signed lease she will just list me as a refusal to pay because I started to request more information concerning the debt. She is saying that I owe, {$4700.00} in debt the original creditor has no records of the account, she also says I owe a judgement, when I contacted the court, they had no record of the account. The account was a joint lease account but she has the full amount listed on my credit, but sends me emails saying that I would only be charged half. I told her I would dispute the debt, she became upset telling me that is why her company do n't give payment plan letters she also told me that my separation from my ex was not a reason to get out of paying the debt. She was rude, and her collection efforts were totally against the fair credit act. The documents she provided had no return address or number on them, they are documents that I had no idea existed, they look altered to me, and I do not feel comfortable sending this company anymore money concerning this debt. The experience I had concerning the entire issue was very emotional and for her to mention a very sensitive time in my life that she knows nothing about was very unprofessional and completely unnecessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Interest rate was lowered from 6 % to 1 % and applied retroactively. However, the payments went purely towards interest and not principal, as I as instructed they would. Also, XXXX the manager who handled my claim mistyped my bank account number to where it was showing XXXX withdrawals even though I was on autopay and did n't change my account information. I requested a formal letter of the transaction history and where the money went a week ago with no response. I 'm currently on the phone with a rep who said, " I will hang up this phone '' with no answer to where the additional money went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I RECEIVED A 4 SEPERATE LETTERS FROM SYNDICATED OFFICE SYSTEMS PAYMENT ADMINISTRATOR I HAD THE LETTERS BUT HOWEVER I MISPLACED THEM IN MY HOUSE AND BY THE TIME I FOUND THEM THEY HAD JUST EXPIRED SO I CALLED THE NUMBER THAT WAS ON THE LETTER AND THERE WAS A AUTOMATED SYSYTEM EXPLAINING WHAT TO DO IF YOU NEEDED A CHECK REPLACED SO I SPOKE TO A LIVE REPRESENTATIVE AND SHE PUT A REQUESTY TO HAVE THE CHECK REISSUED AND SAID IT WOULD TAKE 4 TO 6 WEEKS TO BE PROCESSED I CALLED NUMEROUS TIMES OVER THE COURSE OF THE WEEKS AND THEN I SPOKE TO A REPRESENATIVE NAME XXXX WHO SAID THAT THE CHECK WAS GOING TO MAIL OUT ON XXXX XXXX 2016 SEVERAL DAYS WENT BY I RECEIVED NOTHING IN THE MAIL SO I CALLED BACK SPOKE TO A SUPERVISOR NAME XXXX ON XX/XX/2016 WHO THEN STATED THAT MY CHECK HAD NOT GONE OUT BUT THAT IT WOULD FOR SURE GO OUT SOMETIME IN XXXX BUT HE DONHT HAVE A DATE.SO I CALLED BACK THE VERY NEXT DAY AND SPOKE TO ANOTHER SUPERVISOR NAME XXXX AND SHE STATED THAT THE CHECKS HAD NOT GONE OUT AND THAT SHE WAS GON NA GET MORE INFORMATION AND CALL ME BACK WHICH SHE NEVER DID SO I CALLED HER BACK LATER AND THEN SHE STATED THAT SHE SPOKE TO THE PROJECT MANAGER AND THEY WERE SAYING THAT THERE WAS A POSSIBILITY THAT THEY WERE NOT GOIN G TO REISSUE ANY CHECKS AND THAT WHEN SHE FINDS OUT FOR SURE SHE WILL LET ME KNOW HOWEVER I AM ENTITLED TO THE CHECK AND THEY NEED TO BE REISSUED AND SENT TO ME.THIS COMPANY IS GIVING ME THE RUN AROUND.

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