vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP
State: NC

Complaint narrative:
My address is : XXXX XXXX XXXX XXXX XXXX NC XXXX. 
My home loan is with XXXX, For XXXX 2017, I submitted XXXX payments as I change my method of payment. I had to stop the first payment and before doing so I called the company on first week of XXXX, after VERY LONG wait an agent told me it 's ok to stop the first payment, so I did. 
second payment with additional principal went through. One week later I received XXXX statement with additional fee. Again I called after 26 min wait time, another agent told me she is going to ask her supervisor to look into this and I will get an email. Two weeks after I have not yet received any communication and I 'm not able to talk to them via phone as wait time takes longer than 30 min. I do n't know if extra charge is for additional principal payment or stopped first payment. But I should not be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
On XXXX 2014, my purse was stolen from my car in XXXX, XXXX. I called XXXX XXXX right after the incident to inform them my wallet with debit card, credit card and photo ID was stolen. However, they let the person/people that stole my purse cash checks on my name in another state a couple of days later. My account was frozen until the case was resolve XXXX months later. Because the process took so long and the bad service at XXXX XXXX, I decided to move my account to XXXX XXXX in XXXX. Recently, I moved to XXXX where XXXX XXXX is not available and also got married, I 've tried to open another checkings account in a local bank but i 'm not allowed. Also, I tried to open an join account in XXXX with my husband, who is a XXXX costumer, but I ca n't do either because XXXX XXXX let someone steal from my account twice even though I called and cancelled everything. They even let it overdraft by thousands of dollars. I have the police report which states someone broke into my car, I even have the receipt from my cars repair. I have excellent credit. However, I not allowed to open a checkings account because of XXXX XXXX 's incompetence. To this day I do n't understand how XXXX XXXX let this happen. Who cashes checks for XXXX in a different state after they called a few days before to inform the bank about a robbery. On top of stealing from a client then they do n't let people bank with anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am filing a complaint against Chexsystems cause they have been reporting an ID theft charge off 's on my report and they have hindered me from being able to open a bank account. My report is showing charge off 's account with XXXX, XXXX, and several inquiries. The only inquiry that should be showing on my chexsystems is a XXXX XXXX inquiry which is how i found out of the fraud on my report. I need this removed from my credit report immediately. I am providing the police report that i filed with the XXXX county sheriff 's office,

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 2016-01-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
I have received a couple of letters from " Applied Business Services, Inc '' claiming they are a " Security Collection Agency '' that is stepping in to secure medical payments for XXXX XXXX Urgent Care from me. 

I do n't believe these letters are legit, because the Urgent Care I visited has my credit card information on file, and I have never received a bill from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
I applied for a loan in XXXX of 2016. I was denied due to excessive DTI. I found out less than 2 weeks ago that my former employer, BOKF is the issue behind the high ratio they issued an incorrect breakdown of my income. I found this because I have reapplied and the current verification of income from BOKF is still showing an incorrect amount of commissions. They are now refusing to complete the VOE correctly despite agreeing that my contract clearly shows all advances and hourly wages are recoverable. Anything recovered by commission is commission. The reason this is so important is two fold ; 1. commissioned income is averaged over the prior 2 years. Any base received is excluded from that average ... ..and 2. the incorrect voe sent for the application in XXXX caused the excessive ratio and that is the report filed with XXXX creating a Credit Sanction Alert. I can not get a new loan unless the current UW can show how they overcame the previous ratio issue. I have spoken with an HR BOKF employee, escalated the problem to the HR manager, contacted the in house recruiter who negotiated my contract and finally emailed the director of BOKF HR and getting no where. I have attached the conversations, my contract and the recent VOES ( which do n't even match each other ). I have asked for the breakdown to be corrected for the past 2 weeks as my rate lock is nearing its end. This is a major problem as my current note is due and costing me 1 % of the loan amount as I carry it over the due date. I need this addressed asap please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CDI Affiliated Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent my bill to CDI AFFILIATED services for {$51.00}. I have a co-pay every time I see the dr and that MUST be paid before I see the dr . They schedule extra services " after '' insurance is verified that I will not have an out of pocket expense. The Dr. changed insurance payment and I never received an invoice. I continue to see the Dr. and was never advised I had a past due amount. I called their office and they advised since the changed insurance payment carriers they have no record. I looked at all my EOB and there is not one statement that shows I might have an out of pocket expense. Why would I go to a dr. and not pay the amount I owe? This appeared on my credit with no notice, no letter, no phone call XXXX 2015. I only came to realize this when I attempted to refinance my house and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 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: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
A.R.M. Solutions Inc. has attempted to collect a debt on behalf of The XXXX XXXX ( newspaper ) for an alleged charge I never agreed to. I contacted both A.R.M. ( the collection agency ) and XXXX XXXX XXXX. Both agreed to stop calling, but neither offered to clear the erroneous charge from my record without written follow-up from me, which I believe is unnecessary since there is nothing in either of their files to substantiate that the debt was rightfully charged in the first place. I believe both companies should be warned or charged for both fraudulently originating charges as well as aggressively attempting to collect on such charges, and finally for not promptly and simply taking action to remove the erroneous information from their tracking systems without undue burden on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XXXX XXXX, 2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX XXXX. This collection company was sent XXXX written notices by me. The XXXX written notice was sent by regular mail on XXXX XXXX, 2015 and XXXX notice was sent by certified mail on XXXX XXXX, 2015. XXXX notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.

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 2015-11-06 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: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
Linebarger Goggan Blair & Sampson continue to contact me regarding a debt that is not mine. I have previously submitted a complaint against this organization. Please refer to CFPB Case number : XXXX. On XXXX XXXX, 2015 they replied to this earlier complaint acknowledging that I am not the person they are looking for, and, saying they sent the debt collection to the wrong address. They continue to harass me seeking payment me for this debt that is not mine.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
We signed an agreement to assume and modify our mortgage through XXXX. Two days prior to finalization with them they sold it to Shellpoint Mortgage. They were supposed to adhere to everything agreed to by XXXX and us. Removing my ex-husband from the loan and placing me there since we had a Quit Claim deed, the amount of repayment and monthly payments were also supposed to stay the same. However, they replaced my name with my ex 's and raised the original agreement amount from {$2500.00} to {$2200.00} in XXXX then {$2500.00} in XXXX and raised it again in XXXX to {$2600.00}. This is getting a little ridiculous. They keep taking on fees and interest that should n't be there stating we are a month behind when I have never missed a payment. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: The CMI Group, Inc.
State: FL

Complaint narrative:
I do hereby request that this office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I do not know of this debt Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent CREDIT MAMAGEMENT COMPANY {$160.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
Can my debt collector place a lean on my daughters car that i co-signed for her? 
A debt collector bought a credit card debt, got judgment in my absence and is trying to collect it by placing a lean on my daughters car that i cosigned for her. she pays the car loan and I do not own the car. Is it legal for the judge to allow them to place this lean on my daughters car?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
XXXX XXXX an ambulance in XXXX Arizona has submitted a bill after 3 years. A medical bill I never took an ambulance, the statute has expired for any responsibility. Basically, the company is picking addresses and sending bills after 3 years, get a clue. This bill is not mine. Aggressive collection action has ensued.

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 2015-10-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: RGS Financial, Inc.
State: IN

Complaint narrative:
I spoke with XXXX XXXX around XXXX Eastern Standard Time on XXXX/XXXX/2015. They called to resolve a debt that I have with a XXXX Credit card. I agreed to pay XXXX installments of {$180.00} on starting on XXXX/XXXX/2015 followed by XXXX more payments taken out on XXXX/XXXX/2015 and the last payment on XXXX/XXXX/2015. I agreed to terms and hung up the phone. Later the same night I received an alert from my bank that a transaction was declined of {$180.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: AK

Complaint narrative:
Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN 365 days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN 365 days.

Company response to consumer: Closed
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bonneville Billing and Collections
State: GA

Complaint narrative:
I was on vacation today and received an email from a co-worker I do n't know. XXXX XXXX from Bonneville Collections contacted my employer and identified herself as a collector to a co-worker. I received an email with the message, including XXXX XXXX from Bonneville Collections called XXXX. It 's extremely embarrassing because I do n't even know if this is a valid collection attempt as I 've never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
NOTICE this attorney is indirectly engaged in a illegal debt collection action and identity theft. I am the consumer creditor as defined in 15 usc 1692 A3, 1692 A4. The company is in violation of federal law including a communication issue, 1692C a-c, and failing to obtain prior consent nor expressed permission to communicate about alleged debt, after filing complaint with CFPB, a cease and desist, and notice of dispute to this entity and the entity XXXX XXXX XXXX. and representatives. Shell point Mortgage Servicing responded that the account will be updated to cease. However your documents with the register of deeds is another violation of Federal Law 1692D 1,2,3. I am a victim of Identity Theft, and your company and others have use unauthorized information to report and open accounts. I demand you withdraw your documents and in 7days obtain sworn, under penalty of perjury, verification and validation of the alleged debt1692G a, b, or the consumer will presume that 1692C c-1 has been invoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The CMI Group, Inc.
State: DC

Complaint narrative:
They called, I told them what I could financially do but, they would not accept that and then I wrote to them. I told them I am XXXX and I make little money and I 'm XXXX. They wanted a c/c number but, I do n't have one and I told them I would not give them my debit card for payments as the would take it all and leave me with no food. They call XXXX to XXXX times a day. My voice mail identifies my number as a Do Not Call Number with a warning of being reported. They do not leave a message. I have been ill in the hospital and they continue to ring my phone off the hook. I do owe XXXX and I laid out what I was prepared to do and yet they continue to call. I have sent them XXXX already but, since I 've been ill in hospital with having to take a taxi back and forth to the Dr I do n't have the cash right now and will make another payment via USPS ( post office ) and I will make another and so on until the debt is satisfied. Just stop them from bothering me.

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 2016-11-15 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have been constantly harassed over the phone after I asked not to contact me in Reference the debt, I asked him to verify the debt because I do n't owe NCB the collection agency anything, they have reported the last payment date is incorrect the amount I owed the debt is incorrect, the company they representing I never owed that company, I did n't give them authority to report this inaccurate info to the credit Bureaus. please verify my debt, please verify date last payment made, and the correct amount owed. also I did n't miss any payments on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WI

Complaint narrative:
I kept getting calls from XXXX, I would answer and no one on other end would answer, I finally called them back and it turned out to be American Medical Collection Agency. Trying to collect {$12.00} from a lab company. They had name of my Doctor. I went to My Doctor 's office & raised XXXX about turning over {$12.00} to a collection agency, as I keep a {$0.00} balance on my account with them after my insurance pays them. They looked into it & told me to beware of a scam. Had n't heard from this collection agency for awhile, now they started calling again. I got some guy with an XXXX ( country ) accent start threatening me, said he was recording call. So being 100 % XXXX, I told him " record this '' & I introduced him to some stress reliving swear words in my XXXX accent & told him I was going to report them to the FBI. I could not find where to file a complaint with them. Your site came up, so here I am. I am a little worried about some sort of scam, not the {$12.00} they think I owe. They had my Doctor 's name, my phone number, and my e-mail address. This worries me the most. I looked up the number on line, and it seems this company is very " shady '', as there seems to be many lawsuits being filed against them. I would like you to contact them and remove me from their call list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation
State: NJ

Complaint narrative:
XXXX bank bounced out check to XXXX in XXXX 2016. XXXX uses TRS Recovery Services Inc to collect on all check issues.TRS has processed now twice a Pre Authorized Paymemt tbru our checking account now twice after sending us by mail a Letter for demand of the insufficient funds fee to be paid via credit card money order etc. 
TRS trying to collect the fee by numerous different ways seems like fraud to me along with this created document that the bank accepts as a preauthorized payment that we did not authorize. 
Furthermore the preauthorized document according to XXXX bank has numerous issues with it. Besides not being our check, having no signature or authorization on it, it is made payable to XXXX and TRS is not XXXX along with the coding number of this being a recurring charge for a membership. 
Lastly it was my understanding that by law no company can not collect more than the face value of a check via your checking account but this company seems to be legally doing that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 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: Collection Bureau of America Ltd.
State: VA

Complaint narrative:
Debt of {$360.00} showing on my Equifax account for a water service that I do not have.

Company response to consumer: Closed
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
My mortgage was recently purchased by PHH. I was on a bi-weekly payment plan with my previous mortgage provider and was told in no uncertain terms by my broker that the terms of my mortgage can not change with its sale. PHH does not support a bi-weekly amortization schedule, and I 'm furious. In order to purchase my mortgage, they have to support this do they not?

Company response to consumer: Closed with explanation