vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Coastal Financial Solutions, LLC
State: TN

Complaint narrative:
I received a call from the number ( XXXX ) XXXX on Tuesday, XXXX XXXX on my cell phone. Because I was at work I did not answer. A XXXX XXXX left a voicemail telling me that they had a legal matter pending against me that I may not be aware of. He said he was with the office of Coastal Financial Solutions. He said that it was important for me to get back with him or if I have an attorney I could pass his number on to him/her ; however, he would prefer to speak to me. This was at XXXX. I left to do an errand maybe 10 minutes later, and while I was gone, he called my place of employment telling them it was urgent I call back. My employer does not like for people like that to contact our place of business, and I need my job. After I left work for the day, around XXXX, I called the number back to see what all of this was about. No one answered so I left a voicemail asking them to not call my place of employment again. He called back today, Thursday, on my cell phone. He left another voicemail telling me to call him back immediately and to do so before XXXX. because he was going to the courthouse. I have googled this number, and everything about it has referred me to this site. I was under the impression that you were to receive any pending debt collection through mail, not harassing phone calls. I do not know what this is about, but I would like it to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
I have been getting at least three calls per day from rausch sturm XXXX enerson & hornik. It is a robo-call, and I have no idea what it is in regards to because I filed bankruptcy and it was discharged last year, and I have checked my credit report and not found any accounts in collection. On top of this, I sent a cease and desist letter which included my bankruptcy discharge notice to the " law firm '' which was received by someone there back on XXXX XXXX, 2015. I have still been getting at least three calls per day. I am being harassed. I even had my attorney call and ask them to stop. The person with whom he spoke told him the calls would stop, then I got yet another call just now. I finally called them myself and XXXX XXXX from the XXXX office basically said he thought I was lying about the calls and declined to listen to XXXX of the XXXX+ messages I have saved to my phone from after the firm received my cease and desist. If this is not harassment, I do not know what is. Please hold them accountable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allgate Financial, LLC
State: CA

Complaint narrative:
i submitted a complaint and my Case number : XXXX. Today I received another letter from XXXX and this time the plaintiff is Equable Ascent Financial , LLC. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the XXXX XXXX XXXX offices numerous times. 

I just want it to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum
State: OH

Complaint narrative:
They called my job 4 times within 2 hours. I told them not to call me there and they told me they would call anytime they wanted. Also told me they were getting ready to take legal action against me. Said they were going to deliver legal papers to my home or work. Refused to give me their physical and/or mailing address. Stated they were under no legal obligation to. They refused to tell me why they were calling or what type of business they were. After some research I found they were a " debt collector ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I originally signed up for XXXX service on XXXX/XXXX/2015. The service never worked properly and I cancelled my service and returned all the equipment ( I have a receipt for the return of the equipment ) before XXXX XXXX, 2015. Their service never worked properly, and the cancellation falls under XXXX 's publicly advertised " 30-day guarantee, '' as stated below : '' We will give you a 30-day, money-back guarantee. 
If you 're not satisfied with our TV, Internet, Voice or Home services and wish to cancel for any reason, you can do so in the first 30 days and get your money back. Simply return all equipment in good working order and we 'll refund the monthly recurring fee for your first 30 days of service, any charges you paid for standard installation and any Home Secure and Control equipment purchased. -XXXX website '' I have called XXXX on XXXX separate occasions in order to resolve this issue. Being XXXX, I recorded the phone conversation, and have retained a copy of the recording. I have copies of all other correspondence with XXXX. 

Now they have sent my account to collections with Southwest Credit XXXX XXXX. Since contacting them repeatedly seems to have no effect, I am submitting a formal complaint to CFPB today.

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
Consumer complaint received 2016-11-06 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX continues to harass and defame me despite filling out the FACTA and onguard, FTC ID Affidavit by police regarding a cell phone opened in my name. The drivers license was n't even my own nor was the social security number yet they continue to harass and destroy my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I recently opened a NetSpend Prepaid Debit Card account and would appreciate NetSpend credit my account with the {$20.00} referral bonus as part of the Refer-a-Friend program. 

I opened my NetSpend account on XXXX XXXX, 2015, received and activated the prepaid card on XXXX XXXX, and funded the account on XXXX XXXX. Soon after, I received an automated notice that my account is not eligible for the {$20.00} bonus on XXXX XXXX. 

Since then, I have attempted on multiple occasions to contact first-line customer service representatives, as well as the executive office, or " corporate response team '', but I have continued to encounter difficulty as NetSpend has refused to honor the referral bonus despite my meeting the Terms & Conditions of the program. 

The Terms of the referral program state : " A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had a NetSpend card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Cardholder-to-cardholder transfers do not count toward the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. " As this is my first NetSpend account, my opening deposit was the first time my account was funded, clearly fulfillng the " no value load ... during the 180 calendar days before the load requirement is met ''. 

In the course of repeated communications with customer service and the " corporate response team '', specifically XXXX XXXX, I was told my opening deposit did not suffice as a value load, so I performed an additional load via mobile check deposit on XXXX XXXX that cleared into my account on XXXX XXXX. 

I would appreciate NetSpend honoring the Refer-a-Friend program in correcting this error and crediting my account with the referral bonus.

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 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I have NEVER done any type of business or personal correspondence, conversation or email with First Financial Investment Fund about ANY matter AT ANY TIME and am being unfairly targeted. First Financial Investment Fund has obtained my personal information, informed XXXX third parties they were suing me but NEVER INFORMED ME OF ANYTHING AT ANY POINT. I found out I was being sued by First Financial Investment Fund via the law offices of XXXX XXXX XXXX and XXXX XXXX XXXX attorneys at law whom sent me letters offering me legal services because First Financial Investment had given them a court case number to the lawsuit they filed against me. I was never made aware of any suit or any implied debt at all by First Financial Investment Fund and their practices are fraudulent by taking legal action against me over a debt that is invalid and not owed. First Financial Investment Fund is targeting me because I am a single, XXXX female mother who receives government assistance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
I received an advertisement in the mail about RISE loans. No where on the paperwork they sent me did it indicate how much interest is charged. The advertisement refers people to a web site : RISEcredit.com. There is no indication on that web site as to how much interest is charged. I had to call XXXX to find out the interest rates start at above 36 % and top out above 300 %. Is n't interest information required on these advertisements? This was an unsolicited loan offer, telling me I was " pre-selected ''. Does that mean, low income or having a poor credit rating, making me vulnerable prey to a XXXX company? If interest rate info is not required on these ad 's, it needs to be required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Data-Central, LLC
State: CA

Complaint narrative:
I wrote a letter dated XXXX/XXXX/15 requestiong confirmation that if I were to pay/settle a debt that they would delete it permanently from my credit file. I specifically stated " do not contact me by phone '', yet on XXXX/XXXX/15 my father received a phone call at the phone number listed above, which I assume is the only number they have. I no longer live there. The collector not only violated 3rd party disclosure laws by telling my father what she was calling about, but violated my request for no contact by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: IQOR US INC
State: CA

Complaint narrative:
Back in XXXX XXXX, I received a lot of calls from Allied Interstate LLC student loan collection agency. They harassed me during work hours to settle this bill. The rep, XXXX stated that I need to get my wages garnished from XXXX to XXXX XXXX and then I would get the default removed and pay {$5.00} for the remainder of the balance of {$3000.00}. However, I called yesterday ( XXXX/XXXX/XXXX ) because the garnishments still continuing and come to find out by XXXX XXXX, they told me that I never paid, my account still in default and I owe them {$3100.00}. They told me that I need to prove that I paid. This is insane. I had my tax return XXXX intercepted ( {$2600.00} ) to pay this loan, wage garnishment, year to end XXXX ( {$2500.00} ). The defaulted loan is {$4200.00}. This company has never shown me a statement of anything and ripped me off. I please need help! I 'm sure I am not the only one out there.

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 non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore Agency, LLC
State: NY

Complaint narrative:
i recieve letter dated XXXX XXXX I reply disputed the debt. Never recieved reply back but XXXX month later debt was listed on my credit report. This unfair practices. I disputes the charge only find out the debt was paid XXXX month before it went to collect but the XXXX say it still valid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have been receiving calls from XXXX for a few weeks. They have never left a message. All I have is the caller ID number which I used to search the internet. I found a XXXX listing with the information about the company. It appears to be some type of debt company named Paramount Recovery Systems. I do not have any outstanding debt. I tried to call the number to tell them they have the wrong number, but it rings busy. They continually call, but give me no way to redirect their calls. They have called, but left no messages on : XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, XXXX/XXXX/2016 @ XXXX, and XXXX/XXXX/2016 @ XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC
State: NJ

Complaint narrative:
On XXXX/XXXX/15, I contacted XXXX to disconnect cellular phone service. At this time I requstested that I final bill be sent to me via U.S. Mail instead of via email. The representative advised me that I would recieve a bill after the end of the current billing cycle which ended on XXXX/XXXX/15. On XXXX/XXXX/15 I recieved a notice from a collection agency. The notice states that " this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. '' When I called, I was NOT given the same disclosure nor advised that the called was being monitored and/or recorded. She then told me that I owed a completely different balance than what was stated on the notice. Albeit lower, but different nonetheless. I was advised that I was in fact calling " a part of XXXX '' and that it was not an outside collection agency and I would be referred to an outside collection agency as of XXXX/XXXX/15. I informed her that I requested a final bill via mail when the service was disconnected. She " verified the information with XXXX '' and proceded to explain that she will send a bill but the account will still be referred to an " outside collection agency '' on XXXX/XXXX/15. I was not even giving the opportunity to pay the bill before it went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I made the first mortgage payment XXXX XXXX for my first payment due in XXXX. I made the payment online with no issues. I then tried to make my XXXX 2016 payment the first week of XXXX online but XXXX XXXX XXXX, XXXX site would not let me. I tried several more times with no success. I then noticed that it was showing a " XXXX '' balance on the principal. I called the automated line for mortgage help and it stated it was payed in full, which I knew was not correct. On XXXX XXXX I called and spoke directly with XXXX XXXX XXXX personel. They advised me that my mortgage had been sold and they did not know to who but gave me a phone number. I called the number and learned that it was bought by XXXX. The person I talked to could not provide a date it was transferred and also said they could not find my XXXX payment. Later that day I was able to locate my loan through their website. I have never received any written, voice, or electronic notification that this had taken place or instructions on how to make my future payments. Also, now I find out that I will be charged to make payments electronically/online/phone. Now I will only be able to send a check to make a payment which I find very inconvient this day and time. My previous payment now shows on XXXX XXXX. I still have no notification of the transfer of the mortgage which I understand is required by law 15 days prior to the transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I have spoken to this company several times and in XXXX 2009 XXXX I also find this odd that a complaint of 2009 which was 7 years ago would just now hit my credit. I explained to them that I could not have been in to places at the same time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the mentioned account. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
For the purpose of filing a recorded affidavit and attempting to obtain the information necessary, I spoke to XXXX from The Bureaus collection agency on XX/XX/XXXX and requested itemized charges relating to the time period in question. He said he does not have access to the original information from the creditor. To which I asked, how is it then that the credit bureaus keep reporting that your agency continues to verify the debt? His response was that collection agencies and lenders are only required to verify identity and common and general information. Does n't sound like any verifying is really going on at all? Especially in relation to why I am requesting information. 

Nevertheless, I requested the information. He said he could not oblige me. He was only doing his job but did say he could put a comment in for the record ... and he did. I of course still have received anything as of the time of this comment. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: LA

Complaint narrative:
There is a Medical Collections on my credit report from Capio Partners that is not mine. It may be for someone with a similar name. I disputed this debt several times with collection agency/credit bureau and its still on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
Debt collector " Roosen Vaerchetti & Olivier - XXXX PLLC '' attempting to collect on invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JMD,LLC
State: CA

Complaint narrative:
Collection agency reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ARC Management Group, LLC
State: LA

Complaint narrative:
I checked a copy of my credit report and realized that there was incorrect information on my reported from your agency, which I was not notified about. I do not agree with the debt. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt.I am requesting you to stop all activities including reporting this information on my credit report. I need you to report to the credit bureaus to delete this inaccurate information. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 

I have not received anything on this account with options XXXX XXXX XXXX XXXX XXXX ARC Management Group LLC for the amount of {$4700.00} I have not received anything this is not my account and I have informed them of that but yet the console report to the credit bureau.

Company response to consumer: Closed