vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-06 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: IL

Complaint narrative:
THIS IS THE UMPTEENTH TIME THAT I HAVE REPORTED THESE PEOPLE!!!!!!!!!! THIS {$5900.00} NEEDS TO BE OFF OF MY XXXX CREDIT BUREAUS!!!!!!!!!! I ASKED FOR IT TO BE REMOVED BEFORE AND IT WAS, NOW, IT 'S BACK ON MY XXXX XXXX REPORT!!!!!!! KEEP THIS XXXX OFF OF MY XXXX REPORT!!!!!!!!!! THESE PEOPLE LIED AND SAID THEY SENT FRAUD PACKETS!!!!! NEVER GOT THEM!!!!!! AND THE POLICE DO N'T DO ANYTHING WITH REGARDS TO ID THEFT!!!!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: MO

Complaint narrative:
School name : XXXX XXXX University XXXX XXXX XXXX XXXX location : XXXX XXXX, MO I am having the very unfortunate experience of having Access Group as XXXX of my private student loan lenders. They turned my account over to a nightmare collections agency, XXXX XXXX XXXX, without even having the decency to notify me. After I was contacted by XXXX, which calls at least 5 times a day, I contacted Access Group in the hopes of somehow rehabilitating my debt. The representative claimed to have left me voice mails ; however, my phone does not have voice mail! Then, she claimed to have mailed me statements -- when I inquired as to what address, it was an incorrect address. I informed her that was not my mailing address and that I did n't have voice mail, but she did n't care and refused to work with me. She said that my only option was to deal with the debt collector, TWE. I ca n't believe Access Group did n't care that they are ruining me financially. This is affecting my health, which is n't good to begin with. Their debt collector is rude, and even after it was made clear to the debt collector that I have no money and no sources from which to borrow money, the collector encouraged me to borrow thousands of dollars ( by the end of today ), even if I had to put it on a credit card ( or someone else 's ). I pressed, without luck, for alternatives. He would n't give me any. I am hopeless and scared. Please help.

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 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC
State: CA

Complaint narrative:
My mother got a phone call from Bayside Capital on Monday XX/XX/2016 for an attempt to collect a debt for me. First of all our phones are connected. I am listed so if anyone wants to contact me they can. When I called this company back they had my last XXXX digits of social and my current address. I asked XXXX why they would call my mom repeatly and he refused to answer and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: National Credit Systems,Inc.
State: IN

Complaint narrative:
I recently received a call from the number from XXXX about some unpaid debt from XXXX. I called XXXX to confirm I had a zero balance. They have confirmed that. So I believe this call was a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation
State: NY

Complaint narrative:
The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
I made an arrangement with gold acceptance to pay them on XXXX XXXX. They claim I never made an attempt I 've been paying on this car for almost two years ( by the wayway ). My family was at the park and they repoed my car two days before I told them I would pay them. Now they keep throwing different numbers at me to pay them back. First they say XXXX then they say XXXX then they said XXXX they keep calling me as if they are trying to help. I tell them how do I know that they will give me the car back they say everything is recorded. Well if that 's the case why was n't my arrangement recorded. This company is a scam. Not only did they take my car unlawfully but they called the police as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I was charged an interest rate that was higher than the limits set forth by the Attorney General office for auto loans, the purchase amount of the vehicle was not disclosed, the vehicle was repossessed and sold leaving a deficiency balance of {$6400.00}. My original bill of sale does not include the sale price of the vehicle, therefore, it is not know to me whether the deficiency balance is accurate or inaccurate. The lender has refused to provide the information and has reported to all XXXX credit bureaus a balance of {$10000.00} as written/charged off and is reporting active collection activity of {$8300.00} after the sale of the vehicle. The documentation from the lender states that the vehicle was sold for {$6700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
They are contacting Third parties trying to get in touch with me. They are also asking for my deceased fiancee ' who passed away over 2 yrs ago and they have his death certificate. They also call my place of employment asking for my late fiancee and they are transferred to my phone but never leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I entered into an auto loan with American Credit Acceptance after purchasing a vehicle thru XXXX in XXXX XXXX, Fl. Because of a poor credit history my current interest rate is 28 %. I also purchased an extended warranty and GAP insurance when I purchased the vehicle which American Credit Acceptance is charging me 28 % interest on as well. After research, I found that it is illegal in the state of XXXX to charge 28 % interest on GAP insurance and extended warranties. I was also advised when I purchased the vehicle that I could refinance at a lower interest rate after 6 timely payments, but after purchase the company told me that the loan is a simple interest loan, so no matter if I refinanced or made principle payments, I will still be paying the same amount of interest because it is front loaded. Please help, I found where the Attorney General of XXXX won a lawsuit against this company for charging excessive amounts of interest on GAP insurance and they are doing the same to me. I have also filed complaints with XXXX Attorney General XXXX XXXX ( who is reviewing my claim ) and the Consumer Financial protection Bureau to ensure that this issue is resolved and no other consumers are taken advantage of. Please see the link below regarding the case filed in XXXX. 
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 2015-08-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
I originally received notice of the debt in XX/XX/XXXX. I contacted them and told them that I felt it was a mistake and I would be contacting the original debtor. The debtor advised there was a mistake with my insurance information and they would contact the collector to close the case. I received a call on XX/XX/XXXX advising I still owed money. They refused to send me anything in writing showing the debt as still valid or giving me a chance to dispute the debt. I asked to speak to a supervisor and they refused. The caller became belligerent and told me she did n't have to provide anything further to me. When I refused to set up a payment schedule with her ( because I wanted to speak to the original debtor and my insurance company ), she hung up on me.

Company response to consumer: Closed
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Choice Assets LLC.
State: NY

Complaint narrative:
I keep receiving calls from 1st Choice Assets. I owe XXXX debt, when they call they will not tell me why they are calling unless I verify my address first. They call me 2-3 times a day and I keep telling them to stop calling me. It is becoming frustrating because they call anywhere from XXXX to XXXX daily. I know for a fact I owe XXXX debt and have no liens against me. They need to stop calling me!

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
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Equidata, Inc.
State: MD

Complaint narrative:
I checked my credit on XXXX ( report # XXXX ) and found that I have an account in colletion that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I have submitted XXXX request and CMRE Financial Services continues to ignore those requests to validate the debt. This is not my debt and are not in violation of the FCRA and FDCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XXXX I received a letter stating I owed XXXX {$200.00} plus dollars for the same att account that was with pro-collect back in XXXX. ( see attached ). I sent a letter certified mailed to the following locations a XXXX XXXX and A physical address to XXXX XXXX. XXXX XXXX XXXX XXXX. This company has refused to verify the debt owed according to the law. the reselling of an unverifiable debt. This collection agency has not verified this debt and they still continue to report to credit bureaus.My rights under consumer protection afforded by the FDCPA are continuously violated by this company. FDCPA Section XXXX XXXX DTC opinion letter XXXX from XXXX say this company would owe me {$1000.00} in damages.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX XXXX XXXX XXXX ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

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 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE has failed to respond to my letters. I have requested a validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from CMRE and they continue to report it on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: DC

Complaint narrative:
I received a call on my personal cell phone about a week ago from a company identifying itself as " First Source Advantage. '' They asked for a person by name, who used to be my roommate but died this past XXXX. Before his death we shared a phone number for our land line, but that has been disconnected. I explained to the caller that the person was deceased and they had called my personal cell phone. 

Today I received another call from the same company, again asking for my deceased roommate. I told them again that he died in XXXX, and their representative essentially accused me of lying. 

I provided the caller with information about the estate and a phone number for its personal representative. I also instructed him not to call my cell phone any further. But I should not have had to make this request more than once.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
Constant calling when I have asked them not to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The agent was unnecessarily aggressive and argumentative, and obtained personal information ( dates of birth, insurance company information, etc. ) that, in retrospect, I do not believe he was entitled to. He tried to obfuscate the fact that he was with a collection agency and not part of the company that provided the service whose bill was being collected. His tactics were targeted towards getting me riled up, by being argumentative and rude.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 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: Designed Receivable Solutions, Inc.
State: GA

Complaint narrative:
This is an outstanding account with a debt collector who bought this debt with XXXX Hospital. I contacted XXXX Hospital on my own to find out about this debt. I also told them that I was a victim of ID Theft and that my wallet was lost in the past with all of my personal information in it. XXXX Hospital went over the bill with me on a date of service that I was not familiar with. XXXX at XXXX Hospital stated that they no longer have the debt and that it was sold to the company that I am making a complaint to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit Services Inc. states I owe XXXX {$110.00}. I have never had XXXX and do not owe this debt. I had XXXX Internet and XXXX through XXXX which I paid on time and do not any money to. I called XXXX at least ten different times to question what they are erroneously charging me and I kept on being transferred to XXXX stating claiming that I owe XXXX for XXXX. In fact, I had credit with XXXX and do not owe {$110.00} to XXXX or XXXX at all. None of my attempts with XXXX were ever resolved and ended in calls being disconnected, being on hold for over an hour and being transferred numerous times without the charges being dropped as promised by an XXXX representative. I was told the charges would be dropped and to call back the following week to see that the charges were cleared and it ended up in going to a debt collector. Please Help since Sunrise Credit Services nor XXXX is willing to resolve the issue which is affecting my credit. Thank you.

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 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a letter in the mail about debt to a healthcare provider. There is no information about why I owe this debt or when this debt supposedly took place. They are threatening me that if I do n't contact them they will obtain a judgement against me ... And that they will submit a negative credit report to XXXX XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I received several calls and a final letter from a collection agency on behalf of XXXX medical organizations in regards to a supposely pending account that was paid XXXX months ago and charge to my bank account. 
When I call to clarify the customer service representative was really improper in her answer to me saying that the only way for me to do it was sending proof of payment ( which I completely understand and was ready to send ) I addressed that I have apply to a store credit a week ago and it was denied and it may be because they may report to XXXX and that they have damage my credit report with a false issue. she said that it was not her problem and that they will try to fixed if I send proof of payment. 
I felt so mistreated at this point and I want to voice my most strong complaint to these entities and organizations that do not have any type of courtesy and understanding of the wrong behavior and consequences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
They added more fake charges against my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
This number calls me repeatedly every day. They do not leave messages and I have not received anything in the mail from them. They are harrassing me. I XXXX the phone number they tell me to call back and apparently its from XXXX???? and the company is sunrise services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: Convergent Resources, Inc.
State: AZ

Complaint narrative:
A debt collections company placed an inquiry on my credit without legal documentation of proper contact or legal verification of debt. They also did not post the original creditor. This is a transferred debt purchased by another party whom did not properly disclose information correctly and illegally disclosed information to the credit bureau without properly verifying debt legally. They did not send me a letter of verification before they disclosed information on my credit report.

Company response to consumer: Closed with explanation