vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Tate and Kirlin Assoc
State: KY

Complaint narrative:
We have XXXX issues here, XXXX they CONTINUED mail me letters after receiving XXXX WRITTEN requests via email ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). Also, though not legally standing -- I VERBALLY requested twice to cease communications. The XXXX issue involves who the mailings come to as they are addressed to my former name of XXXX XXXX. I asked agency to send them to new name, old name XXXX new name, or new name XXXX old name as I REFUSE to open mail for someone who LEGALLY does NOT exist anymore. NOTE THAT I HAVE SENT THE LETTERS BACK VIA RETURN TO SENDER. I totally grasp that regardless of my legal name then and now that IF these debts are valid, I am legally responsible for them. They may argue that my requests were invalid because they did n't respond to emails and emails possibly went to wrong party. However, any REPUTABLE company would forward collections related emails to the right department. By the way, any REPUTABLE person would understand that it 's a federal crime to open mail that 's NOT legally addressed to you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Service, Inc.
State: MI

Complaint narrative:
For the past two yearsAsset Recovery AssociatesPhone : ( XXXX ) XXXX Box XXXX, XXXX XXXX, IL XXXX XXXXww.arainc.usHas been calling myself, family and third parties at my employment threating regarding a debt not owed. This might be identity theft. However they will not respond to repeated demands to stop harassing. This has escalated to blatant fraud on their part by pretending to be calling from court clerk and local police using an APP that fraudulently shows the phone number of those agencies. I have contacted those agencies to verify that no messages where sent from those numbers. The main complaint is that they are contacting myself, family members and persons at my employment for debt not owed, will not provide details on the alleged debt when asked, threaten that the police are on their way etc. I believe these tactics go beyond civil infractions to criminal fraud by impersonating government employee 's and agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: MO

Complaint narrative:
Recieved a letter from ARA stating that they legally owned a debt from 15 years ago out of SOL by the way. Demanding payment. On bottom of letter it states that if I request verification then they will get a judgement against me within 30 days of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: MO

Complaint narrative:
The company called ARA Prelitigation Firm contacted me from a private number and said that I was listed as a point of contact for an individual who has XXXX pending check fraud alegations against them. They are going to verify my residence and my place of employment so that documents can be delivered to me accordingly. If I am just a point of contact what kind of documents am I responsible to receive? They are trying to collect non existing debts from easily convinced individuals who will fall for their scare tactics ... I am not one of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
Jaguar Credit is listing inaccurate information on my XXXX & XXXX Credit Reports. I have written to the credit reporting agencies in an effort to resolve this inaccurate reporting information, but with no success ( Exhibit # XXXX ). Jaguar Credit was listed in my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2012 ( Exhibit # XXXX ). Jaguar Credit is in violation of federal law and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Credit Control
State: CA

Complaint narrative:
This is a debt owed by a previous husband who did not reside with me at time debt was incurred. This agency has been informed of this by my attorney and has changed the name on the debt to mine. I thought this was resolved over a year ago but suddenly they are calling again and have just recently began sending demands in my name. The address with the original debtor is not even my address.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Financial Credit Service, Inc.
State: PA

Complaint narrative:
I was contacted yesterday XX/XX/XXXX on my business phone from a debt collector XXXX ( assest recovery services ) at XXXX I spoke with XXXX in legal dept after XXXX called my business phone and left a message saying that I had a legal claim against me. I called XXXX back and she put me through to XXXX. XXXX advised me that there was a debt owed to XXXX bank in my previous name that I have not held in 15 years. He stated they were perusing a law suit in XXXX XXXX against me for {$4000.00} for a credit card that had a date of first delinquency XXXX and was charged off in XX/XX/XXXX. I have no knowledge of this debt. He stated that he had sent a letter to my home in XXXX offering to settle the amount for {$1800.00}. I advised him this was not my debt and told him it was likely my ex husbands debt. He gave me my ex husbands name and said he had been contacted but had bad credit so there was no point in them going after him and that I had good credit which is why they are coming after me for this debt. He then told me he was not getting into a finger pointing session and told me they were going to take me to court get a judgement and garnish my wages. He told me they were already verifying my employment so that they could do this. I became very upset. I told him I needed to gather information about this and I would call him back. I called back and he was unavailable. I asked him to provide me with a copy of my signature on the original credit application, copies of the statements with my signature and where the purchases were made. I asked for the case number and everything he told me on the phone to be put in writing. He called back and asked me to return his call, which I did. At that time I recorded the conversation and advised him of such he became hostile and said I did not have his permission to record him. He also told me he refused to provide me with any information on the debt, I had 7 years to clear this up and they were moving forward. I advised him if they took out a lawsuit I would counter sue them, he hung up on me. 

I was harassed at my business, threatened with legal action if I didnt pay the debt right away. They have continued to contact me via mail after I asked them in writing to no longer contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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: Trident Asset Management, L.L.C.
State: DE

Complaint narrative:
In XXXX of 2012 I contacted XXXX to purchase internet service for my apartment. Since I was never able to actually connect the services, I contacted XXXX and cancelled my service. The account representative informed me that there would be no balance due. To date, I have received numerous collection notices for this XXXX account. I have disputed the validity of the debt with each collection agency and have never gotten a response from any. I still continue to receive negative marks on my credit as a result of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ROYAL UNITED MORTGAGE LLC
State: AL

Complaint narrative:
We started the process of a refinance with cash out on XXXX. We were told that royal united mortgage could close the loan in 7-10 day. XXXX XXXX said he was confident that we would close close to XXXX. Since that time I have been met with false promises and excuses as to why we have to push the closing back a few days. I 've had to fax them the XXXX XXXX times! After the XXXX time, I ended up going to the local IRS building to obtain the transcripts myself. Every day we were held up on some form that I had already faxed them. Every week on Monday, we were told we 'd close by friday ... Now 7-10 days has turned into almost 45 days. The customer service was stellar to begin with .... now as my frustration grows we 're being treated to annoyance and disdain. It seems like they were great until we were committed to this loan. Now I ca n't even get a straight anewer on if we 're closing with an attorney, a title company, or a notary. I just keep hearing, " no worries, we have companies that we work with regularly ''. This is just all around BAD BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
I received a judgement from a law firm of Bursey + Associates based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of XXXX XXXX XXXX, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Moved into an apartment XXXX week of XXXX 2015. There were numerous repair requests and unknown pests. After no results, I filed rent escrow XXXX 2015 but the management attorney promptly cancelled the hearing and filed a form to release the rent my door was tagged daily with Notice to Move and notes that the contractors would be in the apartment to clean and rerent. 
I could not afford to move so soon and was in a lease so i emailed to stay and pay XXXX rent. I received an email that " they are not accepting any more rent from me. '' So to keep the contractors at bay and to prevent my belongings from being discarded while i was at work i began leaving notes on my door that i still lived there and do not enter. 
I obtained moving and storage quotes from XXXX and emailed these quotes to the office in hopes that they would n't discard my belongings as they threatend. 
I was able to find an apartment and a moving company XXXX XXXX, cleaned the apartment and took pictures and I promptly emailed the company my forwarding address and after a few months I assumed the apartment management kept my deposit and i had a zero balance. 
7 months later i get a {$950.00} bill from a collection company stating that i owed XXXX for past rent and utilites, administration charges and other nonsense. They have listed that i owe for XXXX rent and late rent fee ( which was paid on time and they retrieved from XXXX XXXX XXXX XXXX. 
Also they have listed i owe XXXX rent which they refused to accept from me on XXXX XXXX. ) They are billing me for billing me for electric and water, and I have been requesting copies of these bills for over 2 months. 
I have emailed and made several calls to FABCO, the collection company. I am requesting copies of these utilities because i was responsible for my own utilites and they did not supply or bill for electricity. 
I had my own electric service XXXX which i transferred to my new apartment. The water was paid monthly and was approx. {$20.00} a month. 

I assumed my deposit was used for the 6 days i was there as i dropped the keys off on XXXX XXXX. 

It is a shame that an apartment complex can treat someone so horribly because they expected apartment repairs. The daily posting of Notices that contractors would be doing a cleanout of my apartment and tagging my door with eviction notices and threats that 's contractors would be in the apartment cleaning it out were especially cruel since i still lived there and was not behind in rent.

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 2015-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
Debt has been in default with no payments made since XX/XX/XXXX. Company called me in XX/XX/XXXX threating to file lawsuit. I reside in Texas and the statue is limited to XXXX years. This item has been so old it had been removed from my credit report. Debt collector called from XXXX ( XXXX XXXX XXXX IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
On Saturday XXXX XXXX, I received a notification from XXXX that a new collection account had been reported ( listed as XXXX XXXX XXXX ) .. Immediately I checked and it was being reported by Stallings Financial. I called them on XXXX XXXX, only to find out they were closed that day. On Monday XXXX XXXX I called XXXX XXXX XXXX department inquiring on this account to find out what it was. They stated that it was a final bill from 2013 that was never paid. I asked them why they had not sent a bill, as I NEVER received anything from them ( I left my forwarding address with the post office. ) I paid this immediately on Monday, XX/XX/XXXX.They informed me that Stallings Financial would be the person to contact regarding this. I contacted Stallings Financial on XXXX XXXX asking why they had not contacted me regarding this. XXXX, with Stallings Financial, informed me that they had sent a few notices, which were returned as undeliverable to them. Had I known ANYTHING about this I would have taken care of it. Not XXXX time did I receive any correspondence from the XXXX or Stallings Financial regarding this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Extended credit of $ XXXX addition credit of existing limit. Deny because of past bankruptcy in 2012. Requested AMerican Express Credit policy and I was denied. Only re-cause-is to ask CFFB to request Amex credit policy in my behalf and provided it to me. 
Therefore, I can you forward to me at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I lived in a rental apartment, and a previous tenant ( who I 've never met ) apparently owes a creditor money. I recently purchased a house and moved to another county. The creditor 's attorney 's listed my new home as the address of the guy who owes them money. I have returned multiple letters, and recently a process server showed up on my door. I told him that person does not live here and I have never known him. I contacted the creditor 's attorney and demanded that they cease this contact ( since they clearly have the wrong address ), and to remove my address in the case file with the court. I received an email from the attorney stating that they would remove my address from the case. Apparently they did not, because I am still receiving mail on this case, and now there is a motion filed with the courts ( by the creditor 's attorney ) to change the jurisdiction of the case up here to where I live. 

I am being harassed and incriminated at my new house all because some guy who owes them money rented an apartment that I later moved into once he left.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express charged my account for a product I never recieved even after XXXX disputes providing proper documentation to support my claim. The product was suppose to be shipped. I never recieved the product ordered. American Express conspired intentionally or unintentionally committing or inspiring to commit fraud with the merchant/vendor even after providing them with the shipping order. I expect the credit company American Express to properly review my documents and provide me proper resolution to resolve my dispute. The option of arbitration and discussion with their legal counsel was not provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have received numerous debt collection calls from Midland Credit Mgt. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, California XXXX. Collection Agency blocks their name on caller id ( shows as private caller ). I located the business name by using on-line acct management tools provided by my the telephone company. I informed this company that the person they are asking for is unknown to me. I also informed them they are violating telephone consumer protection act by blocking caller ID. I then spoke with a supervisor and demanded they remove my phone number from their system and cease and desist calling the number as I am not the debtor. I continue to receive calls from this company with blocked caller ID. Last call received XX/XX/XXXX was from an abusive representative who said she did n't care that I asked not to be called and she was breaking no laws. She hung on me when I asked to speak with a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased a family vacation package for {$5100.00} from XXXX Vacations that was outright fraud. XXXX refused to acknowledge my letter and has not responded to these issues so I disputed this charge with my credit card company American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX Card with a {$8400.00} balance in XXXX. So far, Transworld Systems Inc has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted Transworld Systems Inc and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked XXXX and TSI numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had my American Express card for a very long time. XXXX XXXX I was on vacation American Express XXXX gave me extra credit that I would pay in XXXX XXXX. I was told by that agent my payment would go to current purchases not pay overtime. long story short my payments went to my payoff time balance and I got hit with huge payments {$13000.00} and next one {$8500.00} I have been dealing with The American Express office in XXXX and every agent there keeps lying to me and I 'm tired of it. I ended up being 30 days late they are asking for another {$9000.00} so they do n't report me again and the following month another {$7500.00} because they took off my payover time feature because I was 30 days late. They are sending me into financial hardship and I was never notified about this change and they charged me fees on the pay over time money too which changed APR. I know there are laws to protect consumers against credit card bullies please help me I do n't want them to ruin my credit.

Company response to consumer: Closed with explanation