vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
Called over four times a day. Hung up when my spouse answered. Repeatedly asked them for information and refused to provide or send information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have contacted contacted this company XXXX different times to forward the information to remove my PMI insurance. They said they have sent it via XXXX and also fax and we still have not received anything!!! They wanted to verify my address ... duh!!! It is the same exact address you send my bill to every month with no problem. 

It is very apparent they do not want to remove my PMI insurance as it is an extra {$1600.00} for them a year!! XXXX Awful customer service and true lack of anyone competent in the company!!!

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 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: PA

Complaint narrative:
I do n't owe any outstanding balances. From what I looked up the number called usually calls about student loan debt from XXXX which is not yet due for me.

Company response to consumer: Closed
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
Halsted Financial contacted me trying to collect on a debt that I do not owe. I asked to be emailed the information concerning the debt on XXXX separate occasions I was told that the emails were sent. I checked regular and spam folders, no email explaining this unverified debt. I am being harassed by a pre recorded message telling me to contact their office immediately of be faced with legal action. I have asked not to be contacted as well as debt verification, neither has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Circle Internet Financial
State: PA

Complaint narrative:
I received a random notice 3 days ago from a debt collection agency called XXXX referring to a relationship I had with Circle Financial a year or so ago. They 're stating I owe {$100.00} which I do n't recognize and definitely is n't mine. I want it removed immediately with no impact on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am being billed by a company called Paypal Credit for a charge on a deferred purchase BUT I never requested the different payment account. I pay all my credit card bills for purchases in full. I received statements saying I had a zero balance and so, just filed them away. Then I started to receive bills indicating I had late fees and interest due on a paypal account. I called the customer service number and a person said they would reverse the fees and account needed a payment to close the account for a purchase. I authorized the payment to pay for the purchase and they said my account would be closed. The account was not closed. And I received another bill for additional {$35.00} late fee. I figured the payment crossed in the mail/processing of the prior payment. I ignored that bill. Then received another bill for {$35.00} I called customer service again. They said the account fees would be taken care of. Now I keep getting bills for late fees of {$35.00} on ZERO purhcases. I tired again to find out what might be a legitamate charge and was advised that {$38.00} would resolve the past purchases. I authorize that amount and was assured by CS Rep that all would be reversed by her supervisor and account closed. That was 10 days ago and thus far, the account is still opened and now the fees are up to {$180.00} with no evidence that my payments have ever been credited. This company is apparently a SCAM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-15 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: Monterey Financial Services LLC
State: TN

Complaint narrative:
I recently reviewed my credit report on XXXX/XXXX/XXXX and saw a new entry for a collection account that was placed on my file in XXXX XXXX. It refers to XXXX and is in the amount of approximately {$3600.00}. We went to a seminar in XXXX held by XXXX in XXXX Tn. and were offered a package THAT COULD BE CANCELLED within 30 days. I contacted them within the 30 day window and cancelled my obligation. I spoke to them verbally and also sent a written request to cancel. The agent for them said she noted our file and acknowledged it was cancelled. Again, the service offered by them was never used in any manner and was cancelled properly. This was 8 years ago. Now, for some reason it has been re-surfaced and turned over to a collection service. I want this removed immediately from my credit report. The debt IS NOT VALID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: ID

Complaint narrative:
SPECIALIZED LOAN SERVICING has changed the terms of my HELOC, choosing to sell my personal information to non-affiliates. SLS declares that our Total Monthly Payment is roughly {$52.00} per month, for XXXX it is {$52.00}. When SLS assumed control of of our HELOC XXXX XXXX, 2015, I called to discuss my loan terms. I stated that we would send the monthly payment they required by mail, but I did not want a continued ACH draft against our checking account. I also disputed their freedom to share my personal information with non-affiliates. 

My bank is unable to determine which institution is drawing {$100.00} per month, and offered to charge-back the ACH which has occurred XXXX times. SLS now asserts their right to those funds, issuing a Mortgage Delinquency Notice on XXXX/XXXX/15. 

I recognize my indebtedness to SLS, but find their threats to adversely impact my refinance process to be reprehensible. Their report of a Mortgage Deficiency already appears to have impacted our credit score. 

I sought opportunity to refinance my mortgage and HELOC with XXXX to no avail. XXXX assigned XXXX ( XXXX XXXX XXXX ) to service my HELOC in the past. None of their past phone numbers are functional, and SLS provides only a contact with XXXX Bank, which has no information on my HELOC or any other account. 

I have asserted my intent to pay off the debt that SLS claims through a refinance. SLS 's actions threaten to accelerate payments or demand payment in full on the HELOC. They reject the possibility of refinancing just the HELOC. A neighbor succeeded in accomplishing this with a different servicer, so I know it is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Capital Group, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX at Paramount capital on XX/XX/XXXX in an attempted to settle a charged off debt of {$3700.00}. Collector stated that only the amount of {$3000.00} was acceptable at the time. On XX/XX/XXXX i received a letter from XXXX XXXX stating that {$1400.00} was an acceptable amount to consider this debt settled in full. I believe the collector has clearly violated Section 807 ( 10 ) of the FDCPA which, " prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Because I have earned more free air miles than I can ever use, XX/XX/2016, I accepted the offer of Fidelity Investment to take out a Fidelity credit card issued by Elan Financial Services. At the time I opened the Elan account, I completed an automatic transfer form so that any balances on my credit card account would be swept from one of the accounts I maintain at Fidelity that has approximately {$50000.00} at all times. 

Last Saturday, XX/XX/XXXX, I received via US mail a letter from Elan Financial Services dated XX/XX/XXXX. In the letter, Elan told me that " your automatic payment service has been cancelled ... .. '' This was my first notification of this cancellation, even though I received at least three prior messages from lan via email. 

After spending almost an hour on Saturday working on the phone between Fidelity representatives and representatives from Elan, I was finally told that the cancellation of my automatic payment service was the result of an on-boarding problem between Fidelity and Elan. It was stated to me that the account number ( the only account number I have ) on my Fidelity statement from which automatic payments were to be made was not sufficient for Elan to set up/or maintain the automatic payment service. Why it took from XX/XX/XXXX to XX/XX/XXXX for Elan to let me know this, and then by mail (! ) was not something Elan representatives wanted to discuss. 

And the representative I spoke with clearly did not believe in the legal disclosures she insisted on reading to me to effect the one-time payment I made before cancelling the credit card. During this reading, when I was essentially told to shut up and listen, she insisted on my confirming the correctness of an account number that Fidelity had provided on the phone to the representative. This was not an account number to which I had access. 

The Elan representative did offer to waive my late fees!!! But as today, that has not happened. 
.

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 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Choice Mtg INC.
State: OK

Complaint narrative:
I have an installment loan out with Oklahoma Credit in XXXX, OK They have called my cell phone numerous times from unknown/blocked numbers. I have asked them to stop doing so for the simple fact that I do not answer calls from such calls, which results me in not knowing they are trying to get in reach with me regards to my loan. I know it is against CFPB regulations for the company to hide their identity, which is what they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My home loan has been transferred from XXXX, then XXXX, SLS secure loan services, all three of them told me I would qualify for a modification yet to the date SLS gives me the run around sends me all the information and never return a call to see if I qualify then I call and they say yes we got your paper work but the time limit had expired, I 'm like what?? Then they go also, u forgot to fill in certain sections, so it 's expired I have to send you another package I have had XXXX packages and according to them they are wrong now I 'm facing foreclosure and there I 'm loosing my home and no modification, I think this company is just a answering service cause they just do the same thing over and over and I 'm sure there is other people who are going through the same thing, this company needs to be looked at, there is something very wrong here

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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: AZ

Complaint narrative:
Thy put this on my credit XX/XX/XXXX after I sent then proof of this being paid. It was paid XX/XX/XXXX, cancel order XXXX, XXXX was told to discontinue service. At location XXXX XXXX XXXX XXXX XXXX Az XXXX, XXXX said thy ca n't delete the account per federal law. I request the account to be deleted and Pinnacle refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: IL

Complaint narrative:
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MST Financial Services, L.L.C.
State: IL

Complaint narrative:
COLLECTOR FAILED TO VALIDATE DEBT AND VIOLATED FCRA, FDCPA AND TCPA.

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 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting 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 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC
State: FL

Complaint narrative:
I bought a car from XXXX, and GoFinancial is the lender. I received delivery of the car in XXXX 2015, got plates and had no problem with the car. XX/XX/2015 I moved to XXXX from XXXX. I went to the DMV and filled out the necessary paperwork to have my license plate transferred. To have the plates transferred GoFinancial must send proof of title to the State of XXXX. XXXX will not accept electronic proof of title. GoFinancial has failed to provide proof of title to the state of XXXX for a year now. I am paying for a car that I can not drive, because I can not get a license plate for it. I have been working with the title department of GoFinancial for about the last 6 months. When I call they tell me they have to order a copy of the title from the bank, and that that takes a few weeks. I say ok and wait. When I call back they never have any record of ordering the title. The last time I talked to them they told me the tile " appears to have been lost ''. I have asked them to take the car back and they told me that would negatively effect my credit and I would be responsible for any negative equity the car may have. At this point I have been paying for a year for a car that I can not drive.

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 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC
State: TN

Complaint narrative:
The company never send me a final bill but instead disclose and send my account to a collection agency without my knowledge. I received collection calls all days with strange number and when I answer them I get treated and intimidation. I do not know the collection agency who calls and most of the time am at work because I work second shift and always calls during this hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica
State: TX

Complaint narrative:
Comerica Bank refuses to send legal proof : Comerica Bank refuses to send legal proof to support withholding {$4500.00} from my checking account. 

My current bank statement does not have a line item to support withholding {$4500.00} from my checking account and why I can not use my Check/ATM Card. 

See attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Comerica
State: CA

Complaint narrative:
A LITTLE OVER A YEAR AGO ON XXXX XXXX, 2014 I NOTICED A CHARGE I DID N'T KNOW WHERE IT WAS TO SO I CALLED ( XXXX ) & ASKED THEM WHY HAD THEY BEEN CHARGING ME THEY ASKED MY INFO THE LAST XXXX OF CARD CHARGED I TOLD THEM THEY COULD N'T FIND ANYTHING THEY SAID SEND A PRINT OUT OF CHARGES & THEY WOULD RETURN MY MONEY.. SO I CALLED MY DEBIT CARD PEOPLE ( DIRECT EXPRESS M.C. ) & THEY SAID THEY DO N'T SEND COPIES & TOLD ME TO CLOSE THAT ACCOUNT & THEY 'D SEND ME ANOTHER.. SO I DID THAT & ASKED THEM TO INVESTIGATE A LONG WHILE LATER THEY SAID THEY INVESTIGATED & SAID NO FRAUD COMMITTED. I ARGUED ABOUT IT & THEY HAVE NOTHING ELSE TO SAY ABOUT IT.. ON XX/XX/2014 {$1.00}, oN XXXX XXXX, {$29.00}, XXXX XXXX {$29.00}, XXXX XXXX {$29.00} ON XXXX XXXX {$29.00} & ON XXXX XXXX 2014 ANOTHER {$29.00} WAS TAKEN OUT. I HAVE BAD XXXX & I DO N'T NEED TO HAVE MY CREDIT MONITORED SO TO GET XXXX SERVICES I WOULD NEVER DO. & IF USDIRECTEXPRESS DEBIT CARD WOULD HAVE REALLY INVESTIGATED THEY WOULD HAVE GOTTEN THE REAL.. SO CAN SOME ONE PLEASE GET MY MONEY BACK. A TOTAL OF {$150.00} + THE COST OF A NEW CARD $ XXXX= {$160.00} PLEASE. I 'M ON SSI I 'M XXXX & I CA N'T AFFORD TO BE ROBBED. I 'M ALREADY STRUGGLING AS IT IS. I CONTACTED XXXX ABOUT THIS & THEY WERE OF NO HELP. ONLY TO BAD REVIEW THE COMPANY. I JUST FOUND OUT ABOUT HERE.. SO ANY HELP WILL BE APPRECIATED. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
RE : Creditor is falsely and misleading the amount owe on recent balance on my credit report. 
In a recent dispute with XXXX, Exeter Finance Corp stated the recent balance was updated to {$6400.00}. They also verified that the information they are reporting was verified. How is this possible? 
You are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. The account is charged off. 
This is a false and misleading tactic used by the creditor and is it illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Pinnacle Credit Services, LLC
State: WY

Complaint narrative:
I have repeatedly tried to contact Pinnacle Credit Services and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. Pinnacle tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called Pinnacle again this morning XXXX XXXX XXXX ) and was informed that they had been sold to XXXX XXXX Services. I was able to speak with a supervisor at XXXX who informed me that I would still have to pay via Pinnacle, but all of the phone numbers for Pinnacle go directly to XXXX. After calling a third time to XXXX, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Medical Business Bureau
State: TX

Complaint narrative:
the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation