vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
I wanted to choose both options above, which are : Sued me without properly notifying me of lawsuit and sued me where I did not live. Meaning, they sued me in a county where I have never lived at. I got the case file from the county they filed in. I was never served and it states it in the paper work. 


Let me tell you about this practice this company has with filing garnishments and lawsuits in different counties, so that the person that they are after does n't have a chance to respond, answer, or show up in court on a court date they were never notified about. Yes, that is me. The only reason I was notified about this garnishment is because my job notified me. Please keep in my that my job tried to stop the garnishment because they have been doing this for a few years now. They then threatened to go after my employer. They are acting on behalf of XXXX which is now XXXX XXXX. We spoke with them and they told us that they are acting in an illegal matter. We have consulted with an attorney. They acted illegally by first filing a lawsuit in a county that we have never lived in. We went down to XXXX County to get the entire case file. They have never filed in our county that we lived in. No one has ever served us at all. This is n't about whether we owe a debt or not from 11 years ago. This is about their practices. We have also filed a complaint with the consumer agency in georgia. We have mailed a demand letter to XXXX County, demanding that they cancel this garnishment and our reasons why. We have faxed a copy of this letter to the Law firm/collections agency as well. We received notification that the fax succeeded. We also sent a letter to them as well. Lastly we have filed a complaint through the attorney generals office. We are also prepared to file a civil suit demanding that wages that have been garnished, be repaid, if it is n't stopped immediately. You can not go around illegally garnishing wages through illegal procedures. Our attorney says that we have a very good case and that they are in violation of the fdcpa as well on how they went about collecting this debt. If they want to contact me, they can. Not regarding collecting this debt though. This is regarding how they can avoid legal action period. My phone number is not for them to call me trying to collect this debt either.

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 2015-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates
State: MI

Complaint narrative:
I owed XXXX medical bills in the amount of {$94.00} each for my XXXX sons in XX/XX/XXXX. My sons had medicaid at the time of service. The hospital submitted the bills to medicaid for billing. The hospital claims there was a billing error and they were billed incorrectly. I NEVER received notification of this nor did I receive notice when it was taken over by a debt collector. When I pulled my credit XX/XX/XXXX I saw they were now on my credit. I disputed them. They took it off of XXXX of my credit reports but not XXXX other. I called them directly, L.J. Ross and Associates, and they were absolutely rude. Told me too bad, if I had insurance that I would have to pay them myself now because I had over a year to take care of it. I contacted my caseworker at DHS and filed appeals to get it paid, I contacted Medicaid and filed a complaint to get it paid. Finally I called L.J. Ross personally and tried to pay it myself and they told me I could n't because I had disputed it. So now these bills are stuck on my credit and I can do NOTHING about it??? How is that fair? Also, I finally got a call from Medicaid and they indicated that, because it was a billing error, I AM NOT LIABLE FOR THESE DEBTS. I requested that in writing. I then faxed the letter to L.J. Ross and later called to follow up. The lady I talked to kept interrupting me and telling me she already knew what I wanted ...? Her name was XXXX and she was very rude and agressive. She told me that until the hospital told them it was paid they do n't have to take it off my credit whether I 'm liable or not. I asked her how this was legal and she told me it was because I had plenty of time to dipute it ... which I did and it solved nothing. 

My point is how can something I am not liable for be reported to my credit? How is the hospital 's error now my fault? Why does the collection agency, L.J. Ross and Associates, not have a duty to remove items that are reported incorrectly?

Company response to consumer: Closed
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC
State: MT

Complaint narrative:
On XXXX/XXXX/XXXX I made first contact with XXXX XXXX in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to ACI ( American Coradius International, LLC. ) for collections and they could provide no further info and that I 'd have to contact them ( ACI ). I then made contact with ACI the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for ACI. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from ACI verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB ( XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized XXXX credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either XXXX XXXX ( XXXX Bank ) nor ACI in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, ACI appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with XXXX XXXX following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the ACI website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX XXXX XXXX - XXXX, XXXX & XXXX ). Again I will reiterate, I have not received any communication from ACI let alone XXXX XXXX in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
National Credit Systems reported an alleged debt to my credit report. The collection account has appeared on my credit report without me ever been notified. It has been on my credit report for over 3 months. 

It caused me monetary damages and ruined my credit score since National Credit Systems reported a " collection account '' to the Credit Bureaus rather than reached out to talk or try to collect a debt first. They never sent any written information for over 3 months the account was on my credit report. 


I disputed the account with the Credit Bureau early in XXXX 2016. I disputed it with the National Credit Systems shortly thereafter. I called them to discuss just today XXXX/XXXX/2016. No resolutions have been reached as of yet. My credit score continues to be ruined. 

I need my credit report cleared and I need to learn about protections under the law that I can enjoy as related to Fair Credit Reporting Act. 

It is not right to just have any random person decide to place any alleged debt to another person 's credit report. This alleged debt appeared as a debt on my credit report with no prior checks, controls, verifications, or filtering by neither the collection agency or the Credit Bureaus. 

It is the same as anybody- your neighbor, ex spouse, ex employee ( XXXX ) would just make up a list of debts against you ( the reader ) and submit it to the Collection Agency. In turn Collection agency reports it to the Credit Bureau. Our XXXX does not attempt to resolve it with you, does not mail you anything, does not take you to courts, but resorts to malice and intimidation that hurts financially you personally and other businesses. 

I say the damage goes beyond my personal wallet as it also hurts other businesses and banks who decide not to do business with me and ultimately any of us in the same situation because of unjustly low scores. 

Responsible parties must be accountable for wrongdoing and the entry needs to be removed from my credit report. I need your assistance in this process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: American Heritage Capital, LP
State: IL

Complaint narrative:
I have received a Demand for Payment Notice ( Attachment # 1 ) dated XX/XX/2016 for a {$990.00} Rate Lock Cancellation Fee which is based the Rate Lock Confirmation Acknowledgement and Agreement and {$420.00} for a Appraisal fee. 
I have abided the terms of the mentioned agreement and do not owe these sums. When I called to try and resolve this demand notice, the American Heritage Capital representative, XXXX XXXX XXXX, refused to acknowledge the requirements of the agreement. American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states " in an effort to recoup any cost associated in processing and underwriting your loan, a {$990.00} Lock Cancellation Fee will be imposed if you withdraw or cancel your loan application and subsequently close with another lender within 90 days of the original lock date on the same property ''. ( Pg XXXX of Attachment # 1 ) This agreement was signed on XX/XX/2016 which means the 90 day period ended on XX/XX/2016. 
American Heritage Capital LP has deemed that the rate lock was cancelled as stated in the Demand for Payment Notice. As I offered to send to XXXX XXXX, please accept this signed letter as my attesting that the same property was not closed on with another lender within the specified 90 days. Attachment # 2 is a copy of my current Mortgage Loan Statement just paid on XX/XX/2016 providing evidence that no closing occurred. Since the Rate Lock Confirmation Acknowledgement and Agreement specifies that any costs associated in the processing and underwriting your loan are included in the {$990.00} USD Lock Cancellation fee, there are no grounds for American Heritage Capital LP to request any other costs incurred including the {$420.00} Appraisal Fee. 
As mentioned above, American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states that a {$990.00} fee will be imposed if I withdraw or cancel AND subsequently close with another lender within 90 days of the lock, and I did not close with another within 90 days of the lock. Therefore, I do not owe American Heritage Capital LP any costs. Please help me obtain written confirmation from American Heritage Capital LP that this matter has been clarified and is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACCESS GROUP INC.
State: NJ

Complaint narrative:
I am unable to reach anyone by telephone for XXXX of my private educational loans for law school. Specifically, the loan disbursed in 1998, with the account # XXXX, by The Access Group ( XXXX ) had me on hold for over 20 minutes before I had to hang up to work. 

I have had trouble with many aspects of the servicing of this loan, including not being able to reach the servicer to learn the balance or what is going on with this loan. I believe that excessive interest has been and is being charged on this loan for a variety of ongoing accounting errors. 

Please have someone from The Access Group contact me and require that it provide telephone numbers where people actually answer the call who can answer questions about my loan in a reasonable amount of time. Please also procure a significant discount off the loan for their failure to provide access to personnel who will answer questions about it and increase the amount of the discount with each recurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: NM

Complaint narrative:
I took out a loan on internet with the company CashCall for {$2600.00} in XXXX of XXXX. About a month ago I called to ask for the balance. I was informed that my balance was XXXX and some change and that i had already paid XXXX in interest and it was due to be paid off in XXXX of XXXX. I then told the representative that this was ridiculous especially since i pay them XXXX a month and have so for the last 2 years. I then went on to tell the representative that at the end of the term i would be paying back around XXXX for XXXX that i borrowed. At the beginning of XXXX XXXX i closed my bank account, I feel I have paid this off at least XXXX in a sense and I had always paid with good faith and had always been in good standing with this company up until recently. I am at this time behind for the month of XXXX. I now get numerous phone calls throughout the day as well as several emails. Now my parents are receiving harrassing phone calls asking them for information because they have filed a suit against me. Dont know how they have information to contact my parents. This is only the beginning but feel that this will ruin my credit seeing they report to the Credit Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
I have spoke with the collection agency and they have acknowledged my concern and have requested information to have the dispute resolved. Unfortunately, after sending them the required information I have yet to have this information resolved. it has been 3 months now and I have not received any contact, and when I contact them now they refer me to a answering machine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: NC

Complaint narrative:
Multiple recorded calls from XXXX XXXX XXXX about a supposed debt owed to " state of sc '' a state in which i have never lived or worked.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: CA

Complaint narrative:
In a notice dated XXXX/XXXX/16 the collection agency falsely asserts that I have an outstanding delinquency. Moreover, the notice makes the patently false statement that " Previous notices ... have gone unpaid and remain delinquent ... '' The accurate information is that I prepared a comprehensive written contest to the fine and I received a written response in reply stating that it was referred to the hearing officer and that there was nothing further for me to do at [ that ] time. There was no subsequent correspondence or contact from anyone until receiving this XXXX/XXXX/16 collection notice. I am not even the registered owner. This is a fraud on the part of the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
After reviewing my credit report from all XXXX credit bureaus there is an item that is inaccurate i was a victom of identity theft back in XXXX. it claims i had got an apt or home under my name. which is not true nor have i ever heard of them. a balance of {$5500.00} has been reported from collector. i have attached all of my DL for where i have lived going all the way back to 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 2016-08-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I applied for a loan at springleaf finance and received an email that I was approved for {$5000.00}. Per the email approval it was only dependent in employment verification, income verification and identity. 
I delivered everything they asked for then was told I was denied based on credit. The email they sent was deceptive. As obviously they was some other criteria it was dependent upon. I am happy to provide the email approval and the other they email they sent stating it was based on credit. 
They were specific in their approval letter and I was denied based on something else. I find their actions deception and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Recovery Management
State: MS

Complaint narrative:
This collector called me twice but never sent me anything in writing letting me know how to pay my debt or giving me the right to dispute. An email was sent to me on XX/XX/2016 and that is the only communication I have had with them in writing. They have filed this collection on my credit report. This has had a negative impact on my credit score that I have worked so hard to build and I believe they should rectify the situation and take this off of my credit report. When we spoke on the phone, I was told that the originator creditor did not have my current address and instead of trying to receive it, they turned me into collections. This was very unnecessary considering I had my child at the XXXX hospital and ever though the creditor and hospital are XXXX separate entities, they could have exercised due diligence and found my current information without messing up 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 2017-01-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASHCALL, INC.
State: VA

Complaint narrative:
I had a Cash Call/XXXX payday loan. I went to make my payment and the account is gone and was told by the lender the account was paid in full. They said they could n't discuss the account with me. Why and who paid the account? I saw where Cash Call/XXXX was sued, who sued them and what happens to all the money I paid in?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 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 Best Service Co.,Inc
State: FL

Complaint narrative:
The Best Service Company has been harassing me trying to collect a debt I do not owe. Although the original creditor sent me a letter XX/XX/XXXX stating that they did not have any record of the alleged debt this collection agency has been harassing, and report negation information to the credit bureaus. I am also here, reporting the unfair behavior of XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, New Mexico for telling me on one hand that they did not have any record of this alleged debt, and on the other hand allowing their collectors to harass me XX/XX/XXXX. 
Enclosed is a copy of the letter from the original Creditor.

Company response to consumer: Closed with explanation