vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-03 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: AL

Complaint narrative:
I received two letters, of which I am aware, from the offices of credit management stating that I owe XXXX to XXXX XXXX . I live in Alabama and have never been a XXXX customer. The mail to address provided was XXXX XXXX XXXX XXXX, TX XXXX. 
I assumed the first letter was simply a scam as I have gotten scam debt collection letters before. When I got the second one I decided to take action.

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 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have received numerous calls from a Collection agency Credence ( credence.com ) XXXX or XXXX ( Ref # XXXX ). The first contact was last month XXXX XXXX, for medical services provided in XXXX XXXX. The Medical responsible party for this bill is the patient 's father. The collection agency has the correct mailing address, and insurance information for her father, but has my name and phone number ( and is insisting that I am responsible and will have my credit score hurt if I do not pay the bill ). I informed them that not only do they have the wrong name on the account, but that the legal responsible party is the father, per contractual terms of our divorce document. 
The collection agency first contacted me on XXXX XXXX, XXXX I spoke with supervisor XXXX XXXX. I informed him that he was contacting the wrong party and verified that they had the correct mailing and insurance information on file for the father. I also confirmed with the father that he had not received any prior contact nor any notification about an outstanding doctor 's bill. 
On XXXX XXXX, XXXX, after the father verified with XXXX XXXX XXXX that the deductible had been met, Credence collection agency resubmitted the medical claim to XXXX XXXX XXXX. Today XXXX XXXX, XXXX I received a call and spoke with supervisor, XXXX XXXX ( XXXX EST ) he informed me that the claim had been denied due to late filing. I again informed him that he was contacting the wrong party, and he should call the other name and number on the account, but insisted I am the only party, and my credit will be hurt, and more collection efforts to follow. I have reached out to the father to make him aware of this issue. His concern is that they waited so long to resubmit the claim and now insurance company is denying due to their neglect. 
Please help - I am worried that my credit score will be negatively impacted by their mishandling of the account information and delay claim submission. 
THANK YOU for your time and attention in this matter! 
Sincerely!

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 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
This collection is still on my credit report after I was told the balance is {$0.00} by the original creditor. Fidelity collection refuses to take it off my credit. It 's still on there as open. It is causing me to not be able to purchase a home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: North American Credit Services
State: FL

Complaint narrative:
Medical debt that I did n't expect to have since I had my medical insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has sent XXXX letters threatening with arrest for not paying XXXX citations issued by the XXXX of XXXX, Texas. I have never received any citation neither from XXXX or any other place. Said citations were issued to a person with a similar name to mine. I contacted the XXXX of XXXX after receiving the first letter, they asked my birthdate and was informed that the person receiving the citations had a different birthdate. I contacted the aforementioned law firm and informed them of that fact. Today, XXXX/XXXX/16 I received another letter threatening with an arrest and cancellation of my driving license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Received calls every XXXX days from Bill collector, when I answer the call gets disconnected. No voicemail is left when I do n't answer.

Company response to consumer: Closed
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: North American Credit Services
State: OH

Complaint narrative:
I have attached the letter I received from the company. It is a third party trying to collect on a medical bill I owe, I intend to take care of the bill but the letter I received has made me feel threatened to do so. Considering the balance i owe I do not feel these collection techniques should be used, threatening to garnish someone when they have not filed suit on even such a low balance seems unfair to consumers. 

All Americans are dealing with debt and medical bills should be something that is regulated differently. 

The fear of a lawsuit when trying to pay all other kinds of debt is terrifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
XXXX sent my name to a collection agency saying that I owe {$300.00}. There was a

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 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: NJ

Complaint narrative:
Credit Management continues to attempt to collect a debt I do not owe for cable services. My cable bill is current and I owe no monies of any kind to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint Mortgage Company bought my loan in XXXX 2015. They erroneously charged me {$320.00} a month less in escrow each month than was due. Hence, the additional money was being applied towards my principal. Moreover, I now owe {$2200.00} in back escrow. This is a large sum of money even when spread over 12 - 36 months. To take one year, from time of assumption, to do an " escrow analysis '' is an absurd amount of time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
Dear Sir Madam, Subject : Removal of name for debt collection by BCA FINANCIAL SRVCS INCI recently discovered through my credit report that there are XXXX debt collections report by BCA FINANCIAL SRVCS INC as follows : Account # XXXX $ XXXX XXXX XXXX XXXX XXXX AND XXXXOriginal XX/XX/XXXX, XX/XX/XXXXOpened DateJan XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX AND XXXX Creditor $ XXXX XXXX, XXXX XX/XX/XXXX ReportedI have called up BCA and they denied the report since they said that that nothing was on my name for collections and they never reported this to Finacial Bureau XXXX 

I have no outstanding balance or debts as reported through consumer 's credit agency with my name or social security number and hereby request my name be taken off your debt collection list to rectify and restore my credit report. 

Your kind and immediate action on this earnest request will be highly appreciated. 

Thank You, XXXX XXXX XXXX XXXX add : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: EdFinancial Services
State: TN

Complaint narrative:
I have not been provided with monthly statements ( emailed eStatements or physical mailed statements ) since XXXX 2015. I have no proof of payment history for the last 4 months and the lender is unwilling to provide me with any statements for that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 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: The CMI Group, Inc.
State: MI

Complaint narrative:
The mother of my grandson, XXXX XXXX, rented a home from me at XXXX XXXX XXXX, XXXX XXXX Michigan from XXXX XXXX XXXX XXXX XXXX when she left suddenly and moved back to XXXX. During the time she rented, she apparently installed XXXX cable in the home, and put it in my name without my knowledge or permission. She had access to our home and personal information as the mother of my grandson and a " family member '' of sorts. When she left the home on XXXX XXXX, there was a bill with XXXX in the amount of {$440.00}. I was not aware of the bill until a subsequent tenant gave me a copy of the bill being sent to that home, in my name. I immediately called XXXX and was given the name of a collection company named XXXX that I was to contact. I completed a fraud packet with Convergent as well as a police report and I was told the bill was removed from my credit. Subsequently, XXXX engaged the services of another collection company named Credit Management. Once again I completed a fraud packet for credit management and attempted to have the debt cleared. I later learned that XXXX refused to remove the debt, and in order to close on my mortgage loan I was forced to pay XXXX {$440.00} on XXXX XXXX, XXXX. I did so under duress, because I needed to close on my mortgage loan, and do not understand why they did not acknowledge all the proof I had that this was not my account. I never lived in the home on XXXX XXXX, and I never requested cable and internet service to be placed in my name at that location.

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 2017-03-21 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have received two voicemails from a XXXX from NCB Management with the following details : this is a purchased debt, looking to set up affordable arrangements and the call is from a debt collector. These voicemails have been left on a cell phone, which I have n't extended consent to call, and they 've left very detailed information on a line that is not registered to me nor does it identify me in the recording, which is high risk for third party disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
A JUDGMENT WAS ISSUED FOR THE DEBT, BUT THE COLLECTION COMPANY HAS NOT BEEN ABLE TO VERIFY THAT IT WAS ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation
State: NV

Complaint narrative:
Money was taken off my account from XXXX I did not sign up for that so how do I get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
Company has place a duplicate account on my credit report. They said it was a update, however, it is listed as a separate account on my credit file.

Company response to consumer: Closed
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB has called twice trying to collect a debt belonging to a man from what sounded like his XXXX (? ) account. I was told the name ( mine ) attached to the phone number they 've been calling does not match the name they are trying to reach, nor does my address ... yet they keep calling. I was forwarded to a supervisor who assured me NCB would not be calling again. All calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I opened a checking, savings, secured credit card, investments, and ROTH IRA with USAA bank. From hearing from friends and family of how happy they were with the service, that is what prompted me to open accounts with them. So far I have been extremely happy, until XXXX XXXX, 2015 when I tried logging on to the internet to view my account balances. I receive a message stating " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. ( XXXX ) '' I immediately contacted the bank and was informed that they will be closing my accounts due to a criminal record that was discovered. At no point in time before, during or after was I informed of a criminal record check, nor did I ever authorize for my records of any sort to be accessed. After reviewing their account opening agreement, and other disclosures, nowhere does it state that a criminal record search maybe conducted and/or may bar you from an account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Phillips & Cohen Associates, Ltd.
State: NJ

Complaint narrative:
I had a vehicle that was repossessed, for failure to make payments as agreed. 
The vehicle was sold by the bank ; but not for the amount in which they were expecting. 
So, they expect me to pay the difference. Now keep in mind the vehicle was taken from me so I feel that all legal obligation to repay the difference is not my responsibility. 
I have a collection company that is hounding me to pay the difference. 
I feel that this is not fair to me, and I refuse to pay the cost.

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 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data Line Credit Corp
State: CA

Complaint narrative:
I sold a car that was later impounded from the new owner. The tow bill has been reported to my credit.Since I realize the negative item on my report I contacted XXXX XXXX and the reporting agency. I 've forward the name and address of the new owner to XXXX towing and they simply refer me to Dataline CR, the company they sold the debt to. Dataline CR does n't want to hear anything I have to say and keeps referring me to XXXX 's towing

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 2016-05-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Continue to report inaccurate information to credit bureau from an auto insurance accident settlement that they were already paid for and now after my recent dispute with the credit bureau they decided to add on XXXX more bogus accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
I filed for divorce in XXXX XXXX. My ex has not lived with me and my son since XXXX XXXX and has since been living with her boyfriend. Apparently she had XXXX in and around XXXX XXXX and decided to keep the insurance checks instead of signing them over to the doctor. Please keep in mind that the health ins policy was in her name, through her job, and that she was the patient. In XXXX XXXX I received a collection letter to my home from am Attorney Richard Sokoloff. I have a recorded conversation where I explained that I have nothing to do with this debt and to remove me and I provided them with her address. I have sent several letters both regular mail and certified asking for them to prove this debt or remove me and I still have no response.

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 2015-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
The 2015 XXXX XXXX truck under purchase from a XXXX, Texas dealership was returnedvoluntarily after contract for vehicle signatures were found to be forged to XXXX XXXX dealership financial group. Deal was extremely padded without my consent or authorization. Legal and binding signatures for myself and co-buyer were submitted tothe Office of Texas Attorney General for legitimate verification of my true and personal signature along with co-buyer. Harassing mail and phone calls for remaining after sale oftruck have come from NCB Management Services of XXXX, PA. They have become extremely belligerent in nature and disturbing. I am requesting immediate halt to their attempt to collect on a forged contract for vehicle purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC.
State: CA

Complaint narrative:
I have had multiple servicing issues with MB Financial, mostly with payment submission. 
Issues that I have experienced include : 1. Website availability - I have made multiple attempts to make payments, but received errors due to website not working. This has caused multiple sign-on attempts. I do n't understand why the website would not be available during payment due date times ( seems like a way to maximize late payment fees ) 2. Customer Service Wait Times - When I have had payment acceptance issues ( not my fault ), I would call customer service to make the payment. Wait times have normally exceeded 30 - 45 minutes to talk to a customer service representative. 
3. XXXX XXXX XXXX - I have had to have my user name re-issued multiple times. This has been caused by system changes and servicer conversions. This has caused payment submission issues. The difficulty in getting my user name took multiple website attempts and calls to customer service. 
4. Account Information Validation and Saving - It is common place in today 's payment acceptance world to both save account information to submit payments and have a recurring option to submit payments. MB Financial has neither. Also, when I have submitted account information, they have no validation to insure account information is entered correctly. 
5. Bankruptcy Declaration Letters - For each payment I have submitted, I have received information regarding bankruptcy rights and collection of delinquent accounts. I am neither in Bankruptcy ( or have ever filed Bankruptcy ) or delinquent on my account. This has caused a high level of anxiety that they are incorrectly reporting my loan status and treating me as a Bankruptcy account. 
6. Incorrect Account Information - MB Financial 's systems have provided incorrect information multiple times. I have used their automated system which has provided inconsistent information with their website. Additionally, I have tried to provide account information on the automated systems and they are unable to authenticate my account. I do not have confidence in their ability to manage my account and the financial transactions I complete. 


This servicer has been very unprofessional and needs to improve its processes and procedures to meet basic customer needs. They are definitely operating on a shoe-string budget as evidenced in their technology and customer service. Hopefully they will improve as many other customers in good standing are being treated in an unfair manner and we are paying for this company to service our loan.

Company response to consumer: Closed with explanation