vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Debt was paid at least a year ago to creditor. Tried to straighten this out through XXXX XXXX, but collector refuses to remove debt from credit report.

Company response to consumer: Closed
Consumer complaint received 2015-09-30 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: First Data Corporation
State: FL

Complaint narrative:
Merchant ID XXXX # XXXX took what was supposed to be XXXX trial offer for a processor and credit card processing machine. We tried out the products and we suffered a charge-back within the first week of having the machine/processor. The bank called our company and advised us the processing account was closed which was 7 days after we opened the account. Now this company first data is saying we have to pay a four year lease because of the initial paperwork that we signed taking the delivery of this machine. Our salesman told us it was 30 days risk free and now this company wants thousands of dollars for the credit card machine which has been sent back to the company within the first 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from XXXX XXXX XXXX, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to AMCA, also known as Retrieval Masters ( according to XXXX ). In XXXX of XXXX I called AMCA at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX. In XXXX on XXXX I received another collections notice from AMCA and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from XXXX XXXX XXXX for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure XXXX refunds my husband 's XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BorrowersFirst, Inc.
State: LA

Complaint narrative:
I 'm currently working with a Debt Resoultion company to pay this loan. However, Borrowers First has now obtained the phone numbers of my family members harassing them for payment. These phone numbers were not issued to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
I have XXXX items that are in collection on my credit report. I do not owe these debts as I had medicare at the time and I met my required deductable. {$140.00}. I was put into collection for a dr 's office and cardioloigist visit. To clairfy this they both are trying to collect a debt from me when I confirmed with medicare that they paid these bills. I should not be in collection as it is ruining my credit score and report. I keep getting letters from richard sokoloff ( atty ) that is trying to collect this debt. I wrote to the atty 's office as well and explained I spoke with medicare and it was confirmed that I met my annual deductable and they paid these XXXX accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation
State: UT

Complaint narrative:
XXXX XXXX/Global Credit work together, at least at times. XXXX or all of these XXXX ( I believe XXXX XXXX ), submitted my name to the XXXX credit bureaus as a negative " no payment ''. All XXXX credit bureaus now have a negative report on me. This is completely unfair and incorrect & below is why : Either someone has fraudulently opened a XXXX card in my name or XXXX XXXX/Global Credit has improperly done due diligence. About a year ago, a XXXX credit application was opened in my name. A small charge of {$38.00} was made. And for continual months thereafter - the XXXX bill was sent to another city with a different zip code! Thus, I never received a bill, and thus I never even knew a bill was supposedly due. Fast forward till now. I do a credit report and find out that my credit is tainted, and at all XXXX credit agencies. I call around & find that Global Credit has been in charge of collecting. But, they have NEVER called me, and I have never received a bill! I 've called ( beginning in XX/XX/XXXX ) Global credit and requested original credit application documentation, and continued calling them every XXXX weeks, and as of yesterday XX/XX/2015, they still do NOT have any supporting documentation of the credit card application. They have also confirmed to me that this XXXX bill was sent to a different city & zip code and NEVER to my address. Yet, in spite of never sending any bill to me, to pay, evaluate if mine, etc., they have gone right ahead & posted a negative credit rating XXXX all three credit agencies )! This is outrageous. You see, supposedly this account is registered in my name. But with a different city & zip code. Hence, I 've NEVER received a bill. Yet, they 've had the audacity to file a negative credit report against me - when this account is either a fraud account or has been mistakenly ( on their part ) mailed incorrectly to some other location and city. And the original bill was only {$38.00}! My credit history has been impeccably kept amazingly excellent over the years. I ALWAYS pay my bills and on time. But, I do n't pay for others ' bills, or for bills which I know nothing about, as I never receive a billing notice. Anyway, I 'll not quit till the XXXX credit reporting agencies have all cleared my credit history. And, I will demand from XXXX/XXXX/Global Credit a letter of apology, as they have done a huge mistake and error in judgement. Anything short of this, will result in legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MID-ISLAND MORTGAGE CORP.
State: MD

Complaint narrative:
The lender took to long to approve the loan. I qualified but he/she took so long that I had to file XXXX extensions and I am now out an earnest money deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a flex loan XX/XX/2016 shortly after the loan was taken out my child was XXXX and I became late on all my bills. I contacted Advance Financial XX/XX/XXXX and again XX/XX/XXXX via telephone and I mailed a letter stating that I was aware of my account being behind and wanted to know if I could settle the account by making smaller payments and I received no response. I started receiving mailing from attorneys because I am being sued not only did they not respond they have now attached attorney fees and other fees. This will for sure force me into bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
XXXX XXXX billed for six years then turned to cll. agency afyer I paid them without missing a payment for over six years!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Worked with a Mortgage Broker for New Penn Financial to finance a home through FHA since XX/XX/XXXX. Received a pre-approval letter XX/XX/XXXX contingent on credit, income verification and proof of closing funds. Found a home and entered into contract XX/XX/XXXX with an extension to close on XX/XX/XXXX per Seller 's request. On XX/XX/XXXX, after being on three weeks of leave the Mortgage broker states HUD declined application because I was never qualified to begin with. Lost Escrow Down Payment because Mortgage Broker failed to furnish commitment letter/Loan Approval within 30 days of contract. Lost Home Inspection and Appraisal as I never would have paid for these contracts had I known I was not qualified. I was promoted XXXX officially XX/XX/XXXX which is less than one year requirement for income data. Per mortgage broker HUD stated they would have made a 6 month XXXX s ) exception therefore it was no surprise of my financial situation. I had everything on track to close even saving twice the closing cost only to find out I was never qualified. I sent a certified letter requesting reimbursement of money lost and have yet to receive acknowledgement of receipt of letter. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I was making payments to a medical imaging company and they still turned me over to collections. I told them I could make at least {$50.00} payments a month minimum and they refused it. They said they needed more and that I had to give them a credit card to charge. I was actually sending them more the {$50.00}. I paid {$320.00} on XXXX, {$100.00} on XXXX, {$50.00} on XXXX, and {$170.00} on XXXX. Can they legally turn me over to collections when they refused my payment arrangement, plus I was still making payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: Linebarger Goggan Blair & Sampson LLP
State: SC

Complaint narrative:
Company refuses to validate the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
About 6 or 7 months ago, I began working at a company called XXXX. This company did door to door sales, for XXXX and XXXX. The company would hire employees on ( based on their will to work XXXX when employees would make sales -- the company would take you out of state on what is called a " spiff '' to reward you, and get you to sell their products in that state. After i realized XXXX didnt have the cleanest sales, nor wer they working with me personally to do better -- i decided it was time for me to quit and get a real job. XXXX XXXX that paid hourly ) I had made XXXX sale the whole time i worked there, it was TO MY MOM. I switched her to XXXX. NOT ONCE, did i ever go on a said " spiff '' with ikonik. They are trying to charge me for hotel fees, and travel fees -- and may i repeat I NEVER TRAVELLED WITH THEM. NOR did i ever stay in a hotel with them. They began to repeatedly call me and eventually threatened to send me to collectons in a voicemail, to which i got very angry. And spoke with them to explain it was NOT my debt. I never travelled with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I discontinued service with XXXX on XX/XX/2016 and paid a final bill of {$150.00}. I was billed in to the month of XX/XX/XXXX for the amount of {$260.00} which was turned over to Credence debt collection after several attempts with calls and letters to XXXX to get the matter resolved. I have disputed this bill with Credence, XXXX, TX XXXX, Phone XXXX although I spoke with someone in XXXX email XXXX. I appreciate your assistance in this matte

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 2015-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Error Resolution RequestI made a {$10000.00} payment in XXXX 2015 and per XXXX XXXX of Shellpoint, this payment was not credited until XXXX XXXX 2015. Shellpoint has failed to explain to me why the delay in timely crediting my XXXX repayment plan payment? They refused to give me anything in writing to support I was actually in a repayment plan. 

Monthly Mortgage StatementShellpoint has failed and refused to send me any monthly mortgage statements since XXXX 2015 to which CH of Shellpoint said on XXXX/XXXX/2015 at XXXX PST " we do not send monthly mortgage statements on severely delinquent accounts ''. Please immediately provide me with each of the following monthly mortgage statements and show me any regulatory instructions that Shellpoint can refuse to provide monthly mortgage statements. 
Monthly Mortgage Statement Demand for XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015 ; XXXX 2015. Per Regulation X Part 1026 ( e ) - 1026.41, you are required to provide me with a periodic billing statements. 
Demand for Payoff amount good through end of XXXX 2015. 
Request to postpone foreclosure saleAs I notified CH of Shellpoint we have received a full price offer which will satisfy the entire debt on this loan. We respectfully requested a 30 day postponement of the scheduled foreclosure sale to finalize this sale and we have not been given any assistance, nor did they even ask for a copy of the purchase agreement..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am getting the run around with mortgage settlement. I do not know where I stand because I am no longer receiving a mortgage statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC
State: IA

Complaint narrative:
Calling my son XXXX Trying to collect a debt that is mine and not his.. When i called to confront them, they would not provide my complete address. I will not give them ANY information. They are contacting me..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I got a bill amount of {$63.00} from XXXX on XXXX/XXXX/2015 for the internet services which is unpaid at this time. 

Here is what happened - I took internet connection at my apartment with XXXX on XXXX/XXXX/2015. After installation, I started having problems with internet connection coming in and out. 
I called up XXXX Customer Care multiple times and they created escalated tickets ( Number - XXXX ), work orders ( XXXX, XXXX ) and sent technicians XXXX times to my house but none of them were able to fix the issue. 

I was also told by Customer Care that XXXX will credit {$20.00} for every technician visit if the issue is unresolved. 

Bad internet connection affected my office work ( because I work from home ) and I was so much frustrated that I had to disconnect XXXX services in less than a month on XXXX/XXXX/2015. 

Then, I got a bill from XXXX on XXXX/XXXX/2015 stating that {$63.00} is outstanding on my account. 

I did n't pay this amount because I feel as a consumer I did n't get the services which XXXX promised to provide when the new connection was taken. I called up XXXX Customer Care multiple times to waive off charges on my account, but they did n't bother to act on my concerns. Now, collection guys are threatening me to pay off balances otherwise it will be reported on my credit history. 

I have never defaulted on my payments for loans, credit cards, utilities in the past and have a clean credit history. I feel I have been cheated by XXXX and need CFPB to help me with resolving this issue. Thank you for your consideration and support in advance!!

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 non-monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I am desperately trying for a loan modification. I submit all of my financial information, along with paperwork to show my home is worth {$140000.00} MAX, I would be lucky if I got that. My mortgage company keeps denying me for a loan modification stating they can not create an affordable payment for me because, according to their ELECTRONIC valuation ( not even a real appraisal ) that they think my house is worth {$230000.00} according to their last denial letter in XXXX, the AVM value was XXXX. I wish! I live in an old home ( built in 1942 ), it is only XXXX sq feet and located in a very rural area ; in AVERAGE/FAIR condition. If I could get that much money on it I would sell it. I tried telling them this information and sending documentation but nobody will listen. My house is worth no more than {$140000.00} and MAYBE {$150000.00} and that is on the higher end. I have attached my written authorization to direct all further correspondence on this matter to XXXX, XXXX and XXXX at XXXX XXXX ; I have also attached records of my house and notice of valuation from our county assessor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We have been trying to get a loan modification from Shellppoint Mortgage since XXXX/XXXX/15 and Shellpoint is not being copperative at all and they keep changing the assigned representative handling the file and continue to ask for the same documents over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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: RGS Financial, Inc.
State: CO

Complaint narrative:
The collection was reported to Experian without my knowledge or receiving a verification letter. They are in violation of my FCRA rights. The original debt was paid in 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
Reported debt that has not been validated or verified to the credit bureaus. 
Ignored the timely sent request to validate debt, continued calling after written request to cease all but written communications, and reported the unvalidated debt to all credit agencies.

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