vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
I had a debt owed to a XXXX office resulting from some amount not paid by my insurance carrier associated with the procedures by this XXXX office during my visit. I was never notified of any amount due ( {$65.00} ) by the XXXX office. Instead, they sent the amount due to their collection agency AMCOL Systems Inc. So the first notice I received of owing any amount was from this collection agency threatening to report the unpaid item to my credit bureau if I did not paid the debt or dispute the debt within 30 days. I did not have any opportunity to see the details and an explanation of the amount due from XXXX before being contact by a collection agency. 
I called AMCOL Systems and explained that I had not had any previous notice of any debt from XXXX and they stated they knew nothing about the collection practices of XXXX associated with prior notice. They simply stated that the debt had been turned over to them for collection and I would need to pay them. 
I strongly believe that XXXX is maintaining a policy of not providing any follow-up notice to patients of a debt owed as a result of an amount not paid by the insurance carrier but is utllizing the practice of just turning over any amounts due from patient visits directly to AMCOL Systems for collection and paying their fee for the collection services. 
I consider this practice to be very inappropriate, unfair and XXXX to patients, like myself, who always pay valid debts in a timely manner and have a very high credit rating. 
Allowing a collection service to threaten impacting my credit rating when I have not been given any prior invoice with details of the amounts owed to XXXX needs to be stopped. I would have gladly paid XXXX directly had I been sent details of the amount owed directly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I transferred {$1000.00} ( XXXX XXXX US Dollars ) to XXXX after paying {$16.00} ( XXXX a fee of {$16.00} ( XXXX dollars ) through the Western Union payable to my younger brother on XXXX XXXX, 2016. As of today, XXXX/XXXX/16 the money was never paid out to my brother. The Money transfer control number is XXXX Western Union refused to refund my money to me as well. Please help out. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Northeast Recovery Solutions, LLC
State: NY

Complaint narrative:
North eastern Recovery Services is a Debt Collector they are saying that I owe money from A creditor That is not True They keep calling my Job & Harassing me The person who keeps calling me from XXXX XXXX their phone number XXXX they do owe me money please investigate these scammers thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IA

Complaint narrative:
Sent money through western union. receiver states they never received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MN

Complaint narrative:
I am receiving threatening and harassing telephone calls of XXXX threats from representatives from Cash Central. I am a victim of identity theft and my personal information was used and compromised by someone else, who applied for a payday loan from Cash Central. I have never applied for a payday loan from Cash Central.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANCIAL SERVICES has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). PHOENIX FINANCIAL SERVICES has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting PHOENIX FINANCIAL SERVICES to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

PHOENIX FINANCIAL SERVICES has no proof of claim with verified, validated authenticated documentation. PHOENIX FINANCIAL SERVICES has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

PHOENIX FINANCIAL SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM

Complaint narrative:
My loan servicer ( Bayview Loan Servicing , LLC ) is denying me relocation assistance on the grounds that I moved out of the property prior to close of escrow of a successful Shortsale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
I received a letter in the mail from a debt collector stating I owed for a loan that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I 've been trying without success to talk to Western Union About my inconsistent attempts to send money by using their website. I 've been a customer of theirs for many years. Over the years I 've probably sent XXXX of dollars in money transfers over the Internet. The website will not handle my information. I get error messages it wo n't allow me to even complete the transfer. Transfer is not declined the website simply will not work to let me place it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
I purchased a money order from XXXX on XXXX XXXX 2015. When I got home I mobile deposited the money order from my phone. When I did so the bank gave me a message reading, " the funds will be put on hold for 5 days '' well I could not wait 5 days so I took the money order back to the store I purchased it from and got my my money back. I knew that the bank was going to charge me for that but after the 5 days they did not charge me. A week or so later I got a letter in the mail from XXXX stating " I cashed a check at XXXX and the check was stamped altered and fictitious '' I called XXXX and talked to XXXX XXXX and she stated I cashed a fictitious check mat XXXX and I need to bring them XXXX. I told XXXX XXXX I never cashed a check there but I bought a money order there, brought it back and cashed it cause I bought it from shop and go. She insisted I cashed a bad check. I told her a check and a money order is XXXX different tools and I gave you the money to get the money order and came back and got my money back so the store did not loose out on Money they never had. The conversation got heated and XXXX XXXX called XXXX XXXX XXXX told him I passed a bad check and I got a call from detective XXXX stating I need to pay XXXX XXXX dollars or I 'm going to get arrested and charged with passing fictitious check. I told XXXX that I did n't cash a check I cashed a money order that I bought with my money how is that a check and how is a money order I purchased with my money that I took back to the same store I purchased it from and got my money back XXXX stated " cause western union took the money out of XXXX account and would not pay them '' I said pay them for what that was a money order not a check. I ended up taking XXXX dollars more of my money to pay XXXX and I had to call western union money order to get my funds back from them. I sent certified receipt money request for to western union money order to get my money back on XXXX XXXX and someone from Western union signed for the mail on XXXX XXXX. When I called western union they stated they do n't have the forms I said someone signed for it on the XXXX. The lady XXXX at Western union told me to fax to her and I said I do n't know what is going on but you all have the paper work and I should n't have to be resending anything you already have it. To make a long story short the money order had a stop payment on it and I did n't put it there and they did n't pay XXXX I did so now I need my XXXX dollars from Western union and they giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
At the beginning of the 2016 tax year, specifically on XXXX/XXXX/16, I opened an HSA account with People 's United Bank ( PUB ). At the time there were paper statements, no service charge and no minimum balance requirements. During the 2016 tax year, specifically effective XXXX/XXXX/16, PUB imposed a {$1000.00} minimum balance requirement and $ 2 monthly service charges for amounts below {$1000.00} and for paper statements. I can contribute a maximum of {$4300.00} to the HSA. For any distributions the total of which exceeds {$3300.00}, a likely occurrence, I will be penalized with the $ XXXX monthly service charges. That adversely affects the supposed tax advantage of HSAs and discourages their use in violation of the public policy established by Congress.. To impose such penalties at all is unacceptable and to to so during the tax year is even more unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Northeast Recovery Solutions, LLC
State: KS

Complaint narrative:
After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling in my county, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BYL Collection Services
State: DE

Complaint narrative:
BYL Collection Service account # XXXX did not provide adequate verification for debt in question no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I took a loan with CASH CENTRAL XXXX XXXX XXXX XXXX UT XXXX phone # XXXX and I agree to 80 % interest in the loan, but about 3 weeks ago I found out the interest they are charging is 180 % which I do not recall or understood, the loan was for {$2500.00} I already make paid over {$1400.00} and yet they have not apply anything to the principal. I need you help with steps to get this to the terms I understood agree please let me know if there is any assistance that I can get

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA

Complaint narrative:
My loan was modified back in XXXX. However shortly after the modification and for over 2 years after it happened, they reported me late XXXX payments. I proved that I had n't missed the payments. However, they did n't correct the situation. Back in XXXX XXXX, I finally got someone that was able to help and clear the past dues and promised me to clear my credit history with the credit bureaus. 
My credit is still wrong after 8 months and now as of the load statement of XXXX XXXX, I now have another past due balance for {$1800.00}. 
I asked Bayview to send me what they sent the credit bureaus to correct my credit and also to receive a letter where they tell me when they will be giving me an answer and hopefully a correction for the fees that are showing on my statement. 
They sent me one saying that they will be giving me an answer by XXXX XXXX. I have not received anything else. So I called today and spoke to XXXX, who is giving me the same answer as XXXX did a month ago, " let me look into it ''. 
XXXX said he would call me in 2 days to give me more information, which is again what XXXX said. He also said, the fees are fees I owe for attorney and appraisal fees, and he doubt I was going to get the waived and that they were just in a different place on the account and that is why I had n't seen them. I asked him to provide proof that they disclosed these fees as of a truth of lending disclosure or anything in writing that they provided to disclosed those fees during the modification. I also mentioned, they told me that all fees were rolled into the load. basically, all fees they were reporting me owning before the modification, they put them as part of the loan and now after over 3 years they are charging them as past due. 

please Help, I am so XXXX out about this, and with the inability of having my credit fixed for the last 3 years, I am still unable to do anything with any other creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
WESTERN UNION 'S REFUSAL TO TRANSFER MONEY,, SENT COMPLETED QUESTIONNAIRE FOR REVIEW, NOT SATISFIED AND WANTED MORE UNWANTED INFORMATION, MONEY SENT ON XX/XX/XXXX FOR {$200.00} NOT TRANSFERRED AND NOT REFUNDED. 

XX/XX/XXXX : Transaction Date : XX/XX/XXXX XXXX ET, Tracking No : XXXX. 
Western wanted to complete a questionnaire. 
XX/XX/XXXX : Forwarded the completed questionnaire. 
XX/XX/XXXX : Western Union was not satisfied with the answers and wanted more supporting documentation, which I do not have or I am not supposed to provide. 
XX/XX/XXXX : Transaction No : XXXX for {$100.00}. Declined to transfer. Requested for transfer and it was refunded. 
Transaction No : XXXX for {$200.00}. Declined to transfer. Requested for refund. But as of XX/XX/XXXX, the money was not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clear Debt Solutions, LLC
State: MA

Complaint narrative:
Received repeated calls and voice mails from XXXX about an alleged debt of a XXXX year old relative who lives in another state and who is not my financial responsibility and who has never been my financial responsibility. Nor have I ever co-signed for any of her debts. When I called back to tell the company to stop calling me they said they were " not customer service '' - suggesting that they did not have to deal with irate callers and could use whatever tactics they chose to collect debts.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Worldwide Recovery LLC
State: CA

Complaint narrative:
I have a man named XXXX calling from Worldwide Recovery stating he has is an attorney trying to hand me a summons at my home because of a criminal case I am named in. He said that a company has hired them to deliver the legal papers to go after me with a sheriff going to be sent to my home. He kept wanting to verify my social, and got very angry when I would not, i told them they have harrased me before, saying a sheriff would be at my house and bring me in if I did not set up an automatic payment with them, in regards to my XXXX XXXX account ( the original creditor ), they said if i did not pay today it would be out of their hands and the sheriff would be coming to my house for their client. He then started to state all my personal information that he could not have unless he pulled up my credit report which he had no authorization to do. I am not scared because I have dealt with them before, and i told him he was misrepresenting himself, he is not a lawyer he is a debt collector and he hung up on me, now I have this new guy XXXX calling and threatening me, I told them specifically do not call me back ever again, and they do every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX is attempting to collect a debt I do not owe to it. 

I ordered internet service on XXXX XXXX, XXXX. I was subsequently sold cable television service by phone. There was a 30 day money back guarantee as to both services. On the second occasion in which I took off work to wait for cable installers that never came, I canceled the service and returned the equipment to XXXX on XXXX XXXX, XXXX which was well within the thirty days. 

I later received a bill from XXXX and called and spoke to a representative on XXXX XXXX, XXXX. After reviewing my account she informed me that all charges would be removed within 48 hours because the package had a 30 day money back guarantee and I had disconnected and returned all the equipment on time. 

Despite this representation, I next received a letter dated XXXX XXXX, XXXX from debt collection agency XXXX XXXX XXXX seeking to collect for XXXX. I responded in writing denying the debt and explaining why including copies of all relevant documentation on XXXX XXXX, XXXX. 

I never heard another word about it but learned in XXXX XXXX, when I was buying a car, that this was on my credit report but showed as disputed. 

Recently ( in and around XXXX XXXX ) I started receiving debt collection telephone calls from a new company regarding this matter. The new company is called Diversified Consultants. I have received multiple daily phone calls which have continued even after I told their representative that I did not owe this and after they have sent me a letter dated XXXX XXXX, XXXX which gives me 30 days to respond. 

At this point, I am at a loss of what to do because when I provide them a written response and evidence to prove that I do not owe this debt they nonetheless report it to credit bureaus and just send it to new companies to collect. I do not owe it and I am tired of being constantly harassed. This needs to be resolved and the matter needs to be removed from being reported against me to all XXXX credit reporting agencies. Further XXXX, XXXX XXXX XXXX and Diversified need to be penalized in whatever manner it is possible for their conduct. Specifically, XXXX failed at all points to competently handle this matter and to have forwarded it for collections not once but twice and to have negatively impacted my credit report when their own records reveal I do not owe it. XXXX XXXX XXXX failed to competently reflect this matter as a debt not owed and negatively impacted my credit report and Diversified Inc. is engaging in telephone harassment in attempting to collect a debt that is not owed and engaging in the repeated daily phone calls even though I am within my timeframe to respond in writing.

Company response to consumer: Closed with explanation