vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EMCC Holdings, LLC
State: FL

Complaint narrative:
I hold Equiant Financial Service fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. Equiant Financial Service as not sent the appropriate verification by the FCRA section XXXX ( A ) ( 1 ) ( A ). Then Equiant Financial Service has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
the debt was payed off

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 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc.
State: AZ

Complaint narrative:
I received a letter from them a while back. I responded stating I was on a payment plan with XXXX and they needed to validate it. They never did and now it is showing on my credit report. This needs to be fixed as I responded within the 30 days and they failed to validate the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Lanier collection agency contacted my cell phone withoutmentioning this was a collection agency or this is an attemptto collect a debt. I have saved the voicemail. I have emailed the compancy no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
I had a credit report pulled and a collection appeared for {$1.00} with State Collection Service in favor of XXXX XXXX XXXX. I have not received any other notices or communication in any form from State Collection or XXXX XXXX concerning an outstanding balance of {$1.00} for debt owed and have paid all known medical billings to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMCC Holdings, LLC
State: NY

Complaint narrative:
In XX/XX/2016 a formal notice of dispute was sent certified mail to Equiant Financial demanding the validation and verification of an allege loan debt, Equiant Financial failed to respond. In XX/XX/2016 a second notice was sent demanding validation and verification of an alleged debt, Equiant Financial failed to respond. in XX/XX/2016 a third notice was sent and Equiant Financial failed to respond. 

Equiant Financial is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Equiant Financial is violating XXXX Laws which require a debt collector to cease and desist collection activities prior to validation of alleged debt. Equiant Financial continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under XXXX and XXXX laws. Equiant Financial is sending mail with false and fictitious names, a criminal conduct falling under XXXX XXXX XXXX. XXXX - Fictitious Names. 

I also reviewed my credit report and noticed Equiant Financial continues to publish negative remarks to Experian and Transunion credit agencies. Equiant Financial also failed to report this debt to the credit bureau as being disputed. This is defamation of character and a violation of Fair Credit Report Act which falls under willfully non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mid-Atlantic Consumer Services
State: CA

Complaint narrative:
I keep getting called and being asked to call XXXX to pay debt or face legal consequences, which is a scam. I do n't owe any debt, and the threat and harassment is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: KS

Complaint narrative:
We refinanced our XXXX mortgage in XXXX. The remainder of our 20 % loan went to XXXX bank, then was sold to First Merit sometime in XXXX. We recieved monthly statements showing our payment amount, including an amount going to principal and interest. We continued on time payments until XXXX XXXX, at which time we sold our house. At that time, there was an issue at closing, when First Merit said we had an outstanding interest balance due of over {$7700.00}. Some time between XXXX and today, they stare applying only a small portion of our monthly payment to interest and the rest to principal, and then we 're tallying up the remaining interest as something we owed behind the scenes. This was never disclosed to us on any bills, and since we knew that some amount was going to interest every month and that we were paying the mortgage down faster than expected, we did n't question whether the amount the bill showed as our interest due was accurate. 

The result was that instead of getting back {$2500.00} that we expected at closing, they said we owed {$4500.00}. We moved out of state and we 're prepared to take some degree of a loss on our house in order to sell quickly ; however, we would have made some very different decisions had we any indication they were not honest in allocating the money we sent. 

We would like to know if we have any recourse. We do not feel we should be accountable to pay this amount. It was supposed to be a 30 year loan, and for at least the first year, the money was being applied to interest. What would have happened if we 'd reached the end of the loan term? We 're they planning to hit us with XXXX dollars in unpaid interest and repossess our home?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mark A. Kirkorsky, PC
State: TX

Complaint narrative:
XXXX XXXX called me yesterday at work regarding a debt of my husbands from 5 years ago. I asked him not to call me at work and to call my husband. He said he was n't able to get ahold of my husband, so he had no choice but to call me at work. I asked him never to call my work again and he told me this is n't a friendly consumer debt so he can call me whenever and wherever he needed to until this matter was settled. I again asked him not to call my work and he said he would stop calling me when he got ahold of my husband. He called my husband today and asked him for payment, which my husband said he could n't do right now. He then called my work again and said unfortunately things did not go well with my husband, so he has to start calling my work again. I feel threatened and he refuses to stop calling me at work. I can not block the call and he said there are XXXX attorneys in his office and they are n't going to care if I complain on him. He said he will not stop calling me at work because he needs to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Corporation of America
State: WA

Complaint narrative:
Firstly, Financial Corporation of America always sends debt collection mail without any detail of service. 

I received a debt collection mail, asking me pay {$61.00} to XXXX XXXX XXXX, for the service conducted on XXXX/XXXX/2015. There was no any details of the service and evidence of they contacted my insurance company already. 
I called them, and they sent me a XXXX lines service details. The original cost was XXXX and after insurance, I need to pay {$61.00}. 

I paid {$61.00} to them, although I was not that clear about the services, but I knew I did see doctor on XXXX/XXXX/2015. 

Then around 10 days later, I received another letter from Financial Corporation of America, which asks me to pay {$810.00} for the service XXXX conducted on the same day, XXXX/XXXX/2015. Again, there is no any details. 

Firstly, I paid after insurance {$61.00} already. Secondly, It is rude to ask people to pay without any supporting details. 

I demand Financial Corporation of America to stop sending any bill without details for the service and evidence that they contacted my insurance already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Management Group, Inc. (GA)
State: WA

Complaint narrative:
I received a letter from Receivable Management Group , Inc. saying I owed {$2400.00} from a XXXX, hospital stay etc.XX/XX/XXXX thru XXXX/XXXX/XXXX. I did have the XXXX etc. however I was and still am on my husbands Ins, XXXX XXXX, and was told by the ins co, that not only do I not owe anything that during those dates it was a global period. I also talked to the finance department at XXXX XXXX XXXX and was told that I owe nothing and that I have a XXXX balance as of XXXX/XXXX/XXXX. They also told me that they do not contract out with Receivable Management Group , Inc. 
When I talked to a XXXX XXXX who claimed to be a supervisor he said that I was lying and that BMI did contract with them. I asked him for a proof of debt and the break down of the bill that 's when he hung up on me. The person that I spoke to at XXXX XXXX. offered to call XXXX XXXX and have a 3 way conference call with my permission, he refused and preceded to hung up on her. I have been working diligently on improving my credit. If I felt that I owed XXXX I would definitely pay this bill. The last amount I owed XXXX was {$740.00} which I paid the entire amount in full. I not sure where to go from here. I just want to remedy this situation as soon as possible. XXXX XXXX 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 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
On XXXX/XXXX/2006, I took out a {$13000.00} private student loan with XXXX XXXX at a 3 % interest rate. To date, I have made payments totaling {$14000.00}. The interest rate is now 10.25 %, and the balance is now {$24000.00}, with a required $ XXXX/month payment, that increases each month. I am paying {$6.00} per day in interest. If I continue on the current course, I will have payed Navient over {$62000.00} for a {$13000.00} student loan. I have contacted Navient on multiple occasions to try to refinance my loan and/or remove my cosigner, but have only gotten the run around. I understand that I took out a loan, and I believe that I should repay that loan with interest, but I do n't think that I should have to repay it 5 times over. ( I pay this loan on time every month, and have not been late on a payment in 5 years. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
Me and my husband have a vehicle financed through United Auto Credit Corporation. On XXXX/XXXX/16, I spoked with someone in account recovery and they decided to give us an extension on our payment until XXXX/XXXX/16. Last week I received a call about a payment. I explained to the representative that I had an extension and my payment is not due until XXXX/XXXX/16. He asked me did I have the documents and I read the extension to him. He told me that he was sorry about the call and to just make sure I made the payment on XXXX/XXXX/16. 
Someone called my husband and told him that if a payment is not made, they will come and get the vehicle. Today XXXX/XXXX/16, I got a call from another rep.I explained to him about the Extension.He told me that it was a mistake. I told him that from XXXX/XXXX/16 - XXXX/XXXX/16, they 're just now calling me and want to say it was a mistake.That mistake should have been caught the same day. He started getting smart with me and telling me what I am going to do, so I asked him for his XXXX repeated my name.I said to him again what was his name, and he said XXXX.I asked what was his last name and he said I will not be getting it.I told him to hold on and got XXXX of my co-workers phone to use the recording. When I got on the phone, I recorded the rest of the conversation. I should not be harassed when there was an agreement in place.I e-signed the documents like I was asked on XXXX/XXXX/16. My husband said he told them that he 'll make the payment Friday because they told him that if he does not pay that they will pick up the vehicle.I 'm attaching the Extension agreement that was sent via email that I had to e-sign. I am also sending the recorded conversation of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACCESS GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.

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 2015-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.

Complaint narrative:
Previous landlord at a apartment complex trying to charge cleaning fees for an apartment that I vacated in XX/XX/XXXX. Landlord sent bill to a collection agency which is trying to contact me to collect charges. I am currently XXXX via military services at XXXX XXXX, XXXX and I have not received any proof of charges for my review in my present location as requested to collection agency 3 weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: Penn Credit Corporation
State: NY

Complaint narrative:
I made payment plans with the XXXX and payments were being made as agreed. Therefore, to report the account as delinquent was a clear breach of agreement. Payments were being made as agreed at the relevant time period, thus, I dispute the validity of this debt. 
I respectfully request that PENNCREDIT CORP. cease and desist all collection action ( s ) until an investigation is completed per the validity of the debt as contained and described by the XXXX XXXX is ascertained and verified. 
Upon belief and information, this account has been paid in full as agreed by both parties. 
WHEREFORE, I request under the FAIR DEBT COLLECTION ACT ( 15 USC 1692 ) that XXXX XXXX & PENNCREDIT be subjected to provide all unpaid invoices and paid invoices in the account including a copy of the payment plans entered by both parties.Absent being in compliance of the 15 USC 1692, XXXX XXXX and its associate will be in clear violation of my Privacy Rights and may require me seeking recourse for punitive/compensatory damages, per gross negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is Experian 's policy, after you have received a response from the creditor and they deem the information accurate you are not allowed to res dispute the information without additional information. The online system refuses to accept a new dispute and the upload system denies your ability to upload documentation. 
As a result of the recent case in Federal Bankruptcy Court in XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX agreed to remove inaccurate items from credit reports. Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' I am requesting Experian to immediately remove these items from my report by directly disputing them, however they have refused me access to their dispute system. This information has impacted me negatively and caused me to be denied credit. The information has been corrected on the other XXXX credit reporting agencies but Experian by denying me access has prevented me from corrected it on their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
The apartment complex turned my information over to a collection agency without my knowledge and after telling me I owed nothing. I have tried to get this cleared up with no progress. the corporate office refuse to respond to me or the XXXX. Phone calls, and emails have not been responded to since XXXX 2015.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. This would be my second complaint filed against NCS and really not sure if they care or they 're just over paying the credit bureaus but I need help aginst this company. 

I 'm uploading another round of documents and required forms. thanks XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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:
WHY IS THIS STILL ON MY XXXX REPORT?!!!!! IT NEEDS TO BE REMOVED DUE TO ID THEFT!!!!! NATIONAL CREDIT SYSTEMS!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: National Credit Systems,Inc.
State: OK

Complaint narrative:
The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Noticed debt listed on credit file, sent several letters requesting validation of debt over past 4 months. I have not received any communication from this collection agency. I never received a notice to dispute this debt. Under the FDCPA this is a clear violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 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: Penn Credit Corporation
State: TN

Complaint narrative:
I received a letter from this company demanding money from me. To my knowledge I have never entered into a contract with this company and they have never provided me a service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
The Financial Institution I am filing a complaint about is : OneMain Financial XXXX XXXX XXXX, MD XXXX XXXXI took out a consolidated loan from my credit union to pay off a few small credit cards and debt, OneMain Financial being one of my creditors. I took a check that was written out by my credit union to OneMain Financial and was told, " I could not use a check from another loan to pay off my loan with OneMain financial. ''

Company response to consumer: Closed with explanation