vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-08 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: Alorica Inc.
State: OH

Complaint narrative:
I received notification on XXXX from XXXX XXXX that a collection had been placed on my credit report by West Asset Management. I contacted their customer service, and their rep informed me there were no active accounts placed with their office in my name and the reporting was an error and it would be investigated. I received notice on XXXX, and XXXX that it had been placed on the other XXXX bureaus so I contacted their customer service group again. 

This time their representative stated that I had a bill due to XXXX XXXX by XXXX for {$240.00}, and it had not been paid. It was sent to their office on XXXX and eligible for placement on my credit report on XXXX. 

I then requested the reason I was not notified of this bill, and the answer I received was that their office sent a letter to me at an address that I moved away from in XXXX of 2015. I explained that they sent the information to an old address and I was never notified and granted my 30 days to review and dispute the collection. Their representative told me that it does n't matter if I received the letter, because their only responsibility was to send it and it mattered not where it ended up. 

I then said I would pay it, but that I required it be removed from my credit report. Their rep answered by stating it would be marked paid, but not removed. I restated my demand and informed the rep that West Asset Management did not act within the limits of the Fair Credit Reporting Act, and the answer I received was that their lawyers were n't afraid of me. 

I contacted XXXX XXXX, and explained to them what had happened. Their customer service rep saw in their system where I had left my new address but their office was still communicating with me at the old address and the error was on their end. 

I paid the outstanding bill over the telephone with my checking account on XXXX and it cleared my account on XXXX. The XXXX XXXX rep informed me that they apologize for the error and they would have the collection agency remove the item from my credit report. 

West Asset Management has since marked the item " paid '' but refuses to remove it. It should have never been placed there, and did as a result of an error beyond my control, therefore they are obligated under the law retract the false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
There is a motion on XX/XX/XXXX @ XXXX XXXX XXXX courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. 
XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans XX/XX/XXXX. 
1. Got out of non-jury trial XX/XX/XXXX which I knew before walking in Judge chambers I was going to lose. 
2. Five Year Statute of Limitations XXXX SOL XXXX Expired XX/XX/XXXX. 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : FORGED SIGNATURED & NOTARIZED ON ORIGINAL MORTGAGE, robo signing, testifying. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX at non jury trial, it is sad and unacceptable how all their lies, fabrication, abuse of justice system were allowed into evidence. My Forensic Examiner/Witness testimony to original mortgage & note signatures being 100 % forgery was not allowed by XXXX XXXX Court. XXXX law firm does all plaintiffs dirty work. Attached is the letter from my Forensic Examiner to this fact. 0 DUE PROCESS!!!! 
4. Force placed homeowner insurance obtained at illegal price gouging rates three, four times normal amount. Obviously this bank makes huge amounts of profit on this type of insurance they claim to buy & with whom of their choosing of course. 
5. I was told by attorneys at XXXX XXXX Courthouse XXXX XXXX does not ever lose a foreclosure case XXXX XXXX XXXX even with 100 % FRAUD XXXX. Our once sacred courthouses have been taken over and preyed upon by this mammoth corporation. 
6. XXXX XXXX XXXX XXXX XXXX. ( yes same XXXX here XXXX is scheduled to open oral arguments XX/XX/XXXX before Florida 's Supreme Court addressing addressing the 5 year Statute of Limitations. SOL has expired on this closed case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Took out a {$200.00} loan in XXXX at Speed Cash in Tennessee. They have debited my account for two years {$60.00} to {$90.00} every month. Its XXXX and they say I still owe {$320.00} to pay off. This is the biggest rip off that I have ever seen. This place need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TekCollect Inc.
State: AZ

Complaint narrative:
1. Tek Collect is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX XXXX XXXX XXXX with account number XXXX in the amount of {$530.00} ( the " Debt '' ). 
2. Sometime around XXXX XXXX, 2016, Tek Collect sent me a letter attempting to collect the alleged Debt. 
3. On or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting validation of the alleged Debt. In this letter, I stated that I paid the alleged debt in full. 
4. On XXXX XXXX, 2016 or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting that it cease and desist communication from with me since they were repeatedly calling me at work and did not comply with my verbal request to not call me at work. 
5. On or about XXXX XXXX, 2016, I obtained my XXXX credit file and noticed that Tek Collect reported the alleged Debt in the amount of {$530.00}. This stated that the date opened was XXXX XXXX, 2016, which is also false as I was first contacted by Defendant prior to XXXX XXXX, 2016. Further, Tek Collect did not flag the alleged Debt as disputed, in violation of the FDCPA. 
6. On or about XXXX XXXX, 2016, I obtained another XXXX credit file which again showed that Tek Collect reported an inaccurate balance of {$530.00}, an inaccurate opened date of XXXX XXXX, 2016 and it did not flag the account as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have maintained a Macy 's credit card for several years and pay the balance monthly. In the past 6 months, DSNB/CitiBank has been charging a {$1.00} 'Minimum Interest Charge ' each month, compounded, regardless of account balance. In other words, if I have not used the card and have XXXX balance, the fee is still charged each month. I pay any balance in full well before the payment due date and the fee is still charged. When I dispute the fee by calling DSNB, they immediately credit the fee. This is my inconvenience to wait on hold each month to correct DSNBs credit card add on fee. 
Admittedly, I have not audited my account over time to see when DSNB started this practice. The DSNB is charging this nominal credit card add on fee regardless of balance, which most will likely pay much less notice on their statement.

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 monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hollis Cobb Associates
State: VA

Complaint narrative:
XX/XX/2015 I was treated at a XXXX and incurred expenses of near {$3000.00} that were my responsibility. As my HSA account did not have that much in the account, I established a payment plan with XXXX XXXX to pay something around $ 300/mos. I never received a statement from them and missed the subsequent payment. I attempted to make a payment online and was told I only made partial payment and given another number to call. I called that number and made a new payment of $ XXXX/mos which I was told was my new payment plan amount. I did not realize at the time that this was a collection agency, BCC Financial. As the same time of the month was nearing XX/XX/XXXX, I was again looking for a statement from XXXX XXXX and had not received one. I was very busy and it slipped my mind as I mostly use online banking or paper bills for things that are n't " usual '' bills for me. XXXX from BCC Financial called on XX/XX/XXXX and said she was calling to collect on a debt for XXXX XXXX. I was very angry at that point and told her all about my payment plan and how I had never received any statement. She assured me that she would get it straight and I would get statements from her. She then immediately offered me a XXXX % settlement if I paid in full. I refused because I owed the balance, although I was capable of paying I also asked if the XXXX % settled balance would report to my credit as a charge off. She could n't answer that question. I asked if my account could be paid back up to date and sent back to XXXX XXXX, she said no. But then again assured me I 'd receive my monthly statements. No statement in XX/XX/XXXX. I needed to call them myself in XX/XX/XXXX to make them aware, again, that I had no statements. I needed to get my account number from them to make a payment online. I repeated my concern about not receiving statements, not being able to monitor the progress of my account and if my payments are actually being applied to my balance. The woman I spoke with continued to assert that they HAD been sending me statements. Giving me the impression that she was accusing me of lying. Then here we are again-no statement received in XX/XX/XXXX, during the holidays. I do n't know what day my payments are due. I do n't know what my current balance is. All I am able to see on the website is a place to enter all of my payment information. For all I know I could be wiring money to anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I responded to a final notice from advocate health care by phone and talked to XXXX at XXXX and asked for a payment plan of XXXX month paid bi-weekly XXXX told me she would have to refer the matter to management and would call me back with an answer.I never received a call so i sent a XXXX payment via : money order # XXXX on XXXX/XXXX/XXXX I called again on XXXX/XXXX/XXXX and talked to XXXX at XXXX who said was sent a letter agreeing to payments of XXXX bi-weekly and informed me my account was sent to collections and could not be returned.I complained I was never called as promised or told to look for the decision in the mail. XXXX transferred me to XXXX where i spoke with XXXX who told me I made a payment on XXXX/XXXX/XXXX and the account was sent to collections on XXXX/XXXX/XXXX I informed her my money order dated XXXX/XXXX/XXXX was mailed on the same day XXXX/XXXX/XXXX. XXXX informed me she would send a email to the in house self pay unit who would contact me in XXXX hours this was XXXX on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from a collection agency dated XXXX/XXXX/XXXX with a threat to seek judgement from me for the full balance not minus my XXXX payment. I went through my mail and found a payment arrangement letter from XXXX dated XXXX/XXXX/XXXX that demands a minimum payment of XXXX not the XXXX bi-weekly payment i asked for.I still have not heard back from the " in house '' self pay department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland MCM collection Agency illegally put me in collections over a XXXX secured credit card that I had taken care of and I them and MIDLAND and XXXX several times over last few years and at MIDLAND and XXXX refused to even show me proof of debt, or acknowledge me. After many many many attempts of contacting XXXX as well to remove both companies, XXXX finally sent a strong letter to MIDLAND and XXXX, and they removed themselves. I am enclosing two letters here from MIDLAND, one in XX/XX/XXXX where they told me they refused to help me, and one in XX/XX/XXXX where they finally conceded. I have contacted both companies through consumerfinance.gov. This is unresolved and until it is resolved to my satisfaction, it remains an illegal crime of FCRA regulations broken as well as causing severe damage to my credit impacting my financial life and livilhood. XXXX sent me a letter recently and in it they proceed to state that I canceled my XXXX card near end of XX/XX/XXXX, when I actually did i XX/XX/XXXX due to a mistake XXXX made in a payment process, I have a witness to this, but also XXXX and MIDLAND should be ashamed of themselves and should be fined by the FTC for I had a XXXX secured card, and I had a {$200.00} deposit. When I canceled the card, I owed nothing, but even if I did, XXXX kept my card open for well over 6 months charging outrageous fees and interest rates and MIDLAND in taking this debt from a creditor who not only put a false claim in general, but hiked up a {$300.00} secured credit card with a {$200.00} deposit, and claimed I owed over {$900.00}. Both companies should be ashamed of themselves. It is my right to get paid for their crimes and I will not rest until it is done, as I went out of my way for a long time to work with them and let them know they were wrong, but they refused to even acknowledge I was alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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: Harris & Harris, Ltd.
State: NY

Complaint narrative:
Harris and Harris from XXXX IL has been calling consistently to collect a debt. 

The debt amount is due to XXXX XXXX XXXX in XXXX. 
Since the first call from Harris and Harris in XXXX XXXX, I recorded and was able confirm : Harris and Harris was trying to collect a debt but the I had never received any mail notice for this debt. 
The reason was that Harris and Harris and XXXX XXXX sent it to wrong mailing address - wrong apartment which is why I never received the mail. 

I emailed them indicating this error and paid that bill once I was aware of it in XXXX XXXX. 

I recorded that conversation and I also called XXXX XXXX hospital billing and confirmed they corrected their input mistake to have the correct apartment address. That was recorded as well. 

Today, XXXX XXXX XXXX, I received a call for {$360.00} being due to XXXX XXXX. I was able to ask and confirm that the address that the mail for bills was sent to the WRONG apartment again. 

I told the collector from Harris and Harris this and she asked for payment and fortunately, I had checked my XXXX XXXX records online in XXXX XXXX and made a payment for {$2900.00} dollars in full. 

This included the payment that Harris and Harris was asking for again - essentially a double payment for same bill and a BILL NEVER SENT to my CORRECT mailing address. 

I refused to make another payment for a paid bill and the debt collector insisted I PROVE i had made payment and fax copy of payment that I had made. I told her : - to contact her client- XXXX XXXX XXXX bill had been paid in complete since XXXX XXXX to get payment made records - Note that asking for payment for paid debt was fraudulent - sending bills to incorrect address was a violation She refused to do any of this and insisted I fax proof. She hung up when I mentioned the above points. 

Pls note in your records. 

Regards, 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 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Nationwide has wrongly reported my name to the Credit Bureau on behalf of XXXX XXXX XXXX XXXX. Whenever, I called XXXX, they tell me to call Nationwide Collection Agency for details. But when I contact Nationwide, Manager XXXX XXXX stated that XXXX owned my accounts. I strongly believe that they are falsely tried to collect debts that are outdated. Nationwide recently sent charges from XX/XX/2012 and XX/XX/XXXX for {$2000.00} to XXXX. That 's Wrong! I do have Medicare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
1. In XXXX I scheduled an online bill payment on my Homebridge Mtg loan through XXXX. 
2. On the same day in XXXX I also scheduled automatic payments to be sent each month from XXXX to Homebridge. 
3. Because of scheduling two payments in one day XXXX cancelled the first payment to avoid a duplicate payment. This should not have happened because I had the payment dates correct to avoid a duplicate payment. 
4. Homebridge did not get a XXXX payment as a result. My XXXX pmt was applied to XXXX, XXXX was applied to XXXX, making both of those months 30+ days late. 
5. Homebridge did not properly notify me of the error therefore I was not able to resolve. 
6. XXXX notified me that the loan was past due and I called in immediately and made the extra payment. 
7. I log into my Homebridge account every month to check on my payments and my account shows a SMILEY FACE and says YOUR LOAN IS CURRENT. 
8. This deceptive online account status prevented me from being aware there was any problem. As a result my credit score has dropped over XXXX pts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding bought an old Medical debt and put it on my credit report as if it had just been filed in XX/XX/XXXX, but it 's Original Delinquency Date was XX/XX/XXXX. As of XXXX/XXXX/XXXX, they have put a hold on my bank account but never even notified me of any court action. When I called them to discuss the hold, they falsely claimed they were a Law Office who was trying to collect the debt for the Hospital, but when I tried to get the truth out of them by questioning them further, they hung up on me. This company has harassed me by calling me several times, and even when I answered sometimes, they 'd say nothing for several minutes and then hang up. Could you please help me, I do n't know how to get the hold off my bank account and them off my back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 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: TekCollect Inc.
State: IL

Complaint narrative:
TekCollect is attempting to collect a debt that is not owed. This alleged debt is to a XXXX in XXXX Illinois. XXXX refuses to provide any invoices or evidence that these monies are owed, TekCollect has no evidence to support this alleged debt. 

Security deposit is owed to me for the apartment,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I currently have a 30 year decreasing interest rate loan with Beneficial a member of the HSBC Group. I have had this loan since XXXX XXXX, 2005. Under the terms of the loan, my interest rate will decrease by one quarter percent annually if all payments are made on time during the year, which has always been the case. This was done automatically until 3 years ago. For the past three years on my anniversary date the interest rate has not been decreased until I call and write letters to have the issue resolved. Since this has happened for three consecutive years, I feel Beneficial is behaving in a fraudulent manner, hoping I will not hold them to the terms of the mortgage thus receiving a higher than entitled interest rate. I can mail you any paperwork you may need to assist you, I am unable to download anything on the computer. As of this date I am still waiting for the interest deduction after numerous telephone calls and registered letter. Beneficial says they are working on the problem. However, I make my payments on line biweekly and when trying to use their website I am locked out supposedly because they are making updates. Thus I feel they are trying to make me miss a payment so I am in violation of my contract so I can not receive the interest deduction. Please assist me in this matter so I do not have to repeatedly go through this process. XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA
State: AK

Complaint narrative:
Why wo n't you investigate Federal Student Loans? XXXX has a policy in place of applying extra payments toward future payments, thereby collecting more interest and keeping borrowers in debt longer and longer. They have layers of obstacles making it difficult, if not impossible, to pay only the minimum amount each month and pay down principle with extra payments when you can. They threaten to increase your minimum if you ask to make principle reduction. 

Imagine if you wanted to pay an extra {$300.00} on your mortgage, and the bank said they " ca n't do that, and if you ask us again, we 'll raise your interest rate ''. That is pretty much what XXXX is saying to thousands of student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
On XXXX XXXX, 2016, I received mail from Midland Funding LLC about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt.

Company response to consumer: Closed with explanation