vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 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: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
Back ih 2014 A bottled water company did not deliver water and I called and canceled their service. They kept billing me I set up all my accounts on auto pay. I called the company and they refunded to my credit card. One year later they started to bill me for the service I never received and for the money they returned.I called the credit collection company and noticed them of my dispute. Another year passed and yesterday the filled everything again with the credit bureaus. Calling the credit collection company again accomplished nothing

Company response to consumer: Closed
Consumer complaint received 2016-12-03 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
Hi, i used REMITLY INC.to do a transfer from my chkng acct. Of XXXX into my wife 's XXXX 's acct of XXXX, i did the transaction on XX/XX/2016 @ XXXX and even paid for express service, then i got t msg frm then confirming t trnsctn at XXXX t same day, bt my wife havent received t $ XXXX she went to t her bnk, XXXX they told her they didnt know this company or deal with them bfr. I call Remitly n ask them abt it, XXXX they say they used the XXXX to do bussines with XXXX, thats why they didnt know abt them, bt again i call XXXX n ask abt Remitly, with t same answer ... they dnt know them!! T funny thing is that i call n complained to t " XXXX '', and they look for thos cmpany, n they are legal n yes, they do bussines in XXXX ... So I call Remitly again, n they insist XXXX is t XXXX doing somthg wrong XXXX not them, i ask for my $ $ back, n they said will take XXXX to return into my acct of XXXX. So u can imagine my frustration bcs that $ $ $ was to buy t gifts for my XXXX kids, Please help me to return my $ $ and clear out this dark bussines. Thnk u very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation
State: MD

Complaint narrative:
Global credit is reporting on each of my credit reports that I owe XXXX XXXX Hospital {$940.00}. I have contacted the hospital 's accounts department @ ( XXXX ) XXXX and have confirmed that there is no past due account of mine that exists in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: First Data Corporation
State: NV

Complaint narrative:
Tired to cash a check at the local casino, XXXX XXXX, about XXXX months ago. It was refused and they referred me to Telecheck. Called them and they said it was lack of information and history. They updated my file, and said any check would be accepted. Tried to cash a check last week at XXXX XXXX and it was again refused. They gave me the refusal code and I again called Telecheck. They have you listen to a recorded message about the refusal before you get to talk to customer service, which I did and then talked to XXXX of their reps. He explained that the reason the check was refused was because there was no history of cashed checks with other Telecheck merchants. 
I live in XXXX NV ( less than XXXX people ). Do you think we have loads of merchants using Telecheck? Asked him if there was any negative information -- " NO '' was the reply. So my checks are getting refused for absolutely no reason except that Telecheck wo n't let the casino accept my check. 
This was made even worse since there were people around ( people I knew from church ) who saw that my check was refused. This was horribly embarrassing!! 
Telecheck has NO negative information BUT they are stopping me ability to cash a check at the local casino. 
I talked you XXXX of YOUR reps on the phone and she instructed me to file the complaint on-line using the category " credit reporting ''. You have permission to access any of my credit information to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
I understand that I have been reported to a collection agency for unpaid toll fines. I want to pay or settle the account. I 'm asking for the additional fees to be removed and that I am charged only for the original fee associated with the toll violation. I 've tried to call the collection agency but the hold times are in excess of 45minutes only to speak to someone that will not help resolve the balance. I do n't know how to move forward. Registration holds have been placed on my vehicles and this will only beget more fees. Can the bureau help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: The CMI Group, Inc.
State: KY

Complaint narrative:
Item is from a dispute with XXXX XXXX XXXX and was originally placed on my credit by XXXX XXXX in XXXX. It has now been placed on my credit by XXXX different credit collection agencies in the past 11 months. XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX. 

My husband passed away XXXX XXXX, XXXX. In order to keep my home I desperately need to refinance. I ca n't do that if these collection agencies continue to place this old item onto my credit as if it 's something new!!! PLEASE PLEASE PLEASE make them remove this nonsense from my credit report and STOP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I received notice of right to dispute a debt. I sent the collection agency to give me more information about the debt being in question. I sent the letter by registered mail via USPS ( XXXX ) and never got a response from the collection agency, the information i requested for. Per USPS, the collection agency did receive the letter on Monday XXXX XXXX, 2016. But the collection agency acted as if they did n't get any response from me. After a month or so I received another letter to pay the debt since it is delinquent. The communication tactic they are using is very subtle to force me pay the debt i am disputing and requested for more information. 
For your information I did n't have any information about this debt until i received a notice of right to dispute. The Company who thinks that they have money from me supposed to contact me before they send me to the collection agency.

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 2017-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I have disputed my debts several times with no resolution. i have submitted paperwork, affidavits and police reports. I need resolution on this as these accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: MD

Complaint narrative:
Two years ago I fell behind on my mortgage when I had XXXX deaths in my family with life insurance. I was the main go to to person and had to come up with a lot on money to help with the burial. During this time I lost a lot of hours also. As a result I lost income and frrl behind on my mortgage.I have tried to do some sort of modification or re-pay plan with the Bank but they tell me that they will not do anything but rather foreclose my house. They have scheduled foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Collins Asset Group, LLC
State: CA

Complaint narrative:
this collection agency continues to report a " discharged account on my credit reports as an open collection account and are still trying to collect this debt. I contacted this company and are refusing to update this account to reflect an accurate status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 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: Rent Recover, LLC
State: WV

Complaint narrative:
DearStaff XXXX XXXX Dispute Adverse account. Civil suit dismissed XX/XX/XXXX. Deny outstanding debt. This Adverse account is affecting my eligibility for senior/elderly low income apartment. Appreciate your attention and service. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Recovery Solutions Group, LLC
State: PA

Complaint narrative:
Company has sent letters and left messages on voicemail indicating that they are calling from the legal department and intend to put a lien on my home. The creditor charged me XXXX for XXXX for 3 days to dry up a basement flood, and in the process ripped a chunk of my wall out that was never repaired.

Company response to consumer: Closed
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: JH Portfolio Debt Equities, LLC
State: MN

Complaint narrative:
I fell behind on credit card payments so it was sent to a collection company. They called my work phone, I stated clearly and firmly that they CAN NOT use this number as a contact and gave them an acceptable number to call. Today at XXXX they called my desk phone again. I may lose my job over this

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 2015-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. 

Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

North Carolina Debt Collection Practices Act 75 54. Deceptive representation. 
( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. 

North Carolina Collection Agency Act 58 70 110. Deceptive representation. 
( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
First time I ever heard from them.was when my manager told me at my job they called and said if I didnt call them back I would have to talk to a judge and they have called all my family members I never received any notice of this and they refuse to send me any paperwork in the mail last.time I asked for any proof they were rude said whats the use you will never pay this they call friends of mine that I used to live with and just veey rude I want this to stop any help would be wonderful thank youCredence Resource ManagementXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
J.H. Portfolio is believed to be about the XXXX fourth party that this account has been transferred to. I am not in agreement with the balance that the mentioned party here has listed on my credit report ( s ). Therefore, I will attach a Letter of Explanation about this situation, in order to help explain my dispute.

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 2017-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX at XXXX, I received a suspicious email that was stated as sent from Shellpoint Mortgage Servicing, the company about which we filed complaints # XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The email was directing me to an unfamiliar website to download files that were supposed to be sent to me from SMS and a deadline retrieval date of XXXX XXXX, XXXX was given. On the side of caution, I did not open the email due to cyber security concerns. On XXXX/XXXX/XXXX at XXXX, I sent an email to XXXX, the person assigned by SMS to our loan account, informing him about my concerns and asking him to contact me for verification of the suspicious email which I forwarded to him. On XXXX XXXX, XXXX, I called to speak with XXXX but was told by a representative that he had not come into the office as yet since he was located in Texas. I told her about the email and she put me on hold to check for any mailing on our account. When she returned she said that saw no email being sent and that their only mode of communication with borrowers is by telephone and postal mail. I called on XXXX XXXX, XXXX to speak with XXXX and I again told that he was not available. My call on this date was about the suspicious email and a letter dated XXXX XXXX, XXXX that I had received form SMS. In regards to the suspicious email, the SMS representative I spoke with told me that it was not sent from SMS because their mode of communication is either telephone or postal mail. I asked the representative why was I receiving a letter asking for the same information that was sent in late XXXX and early XXXX, XXXX. I also told him that on XXXX/XXXX/XXXX XXXX called and told me that no more documents were needed and our file had been submitted to underwriting. But a few days later an SMS representative asked me to send some additional documents which I sent on XXXX/XXXX/XXXX. The SMS representative confirmed that they had received all the documents and that I should ignore the SMS XXXX/XXXX/XXXX letter because our file is now in underwriting. I have two concerns ( 1 ) that to date I have not received a call from XXXX XXXX confirming what the two SMS representatives have told me regarding that I should ignore the SMS XXXX/XXXX/XXXX and the suspicious email and ( 2 ) to avoid any chance of Shellpoint Mortgage Servicing reporting that we ignored loan modification communication as was reported by the previous servicer XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I received a letter from an attorney called Linebarger Goggan Blair & Sampson LLP claiming I owe {$15.00} in tolls on a vihicle with licence plate XXXX. I do not have a vihicle with that licence plate. I also have a sunpass that automatically removes funds as needed and is in good standing. It says that " XXXX XXXX XXXX ( partner ) is licensed by the Florida Barr but does not provide a Barr Number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The Mortgage company which is servicing my loan is doing the following to trigger this complaint- 1. I use their automatic telephone payment system and have been paying additional amount, over and above my regular payment so that the additional payments are applied towards my principal. Additional payments were always applied to reduce my principal. 2. However in the month of XXXX the additional {$2000.00} I paid were not applied to reduce my outstanding Principal but were left as unapplied partial payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.

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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Chexsystems provided false information on a credit report to XXXX bank who denied opening a bank account. The information concerning XXXX was part of a bankruptcy and not a charge off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NC

Complaint narrative:
I filed a complaint ( Case # XXXX ) against American Education Services last year for not working with me on my private student loans. Now I 'm in an even worse position due to the same problem. XXXX of my loans have gone into default. This company is terrible at coming up with a solution for account holders to pay. I 've called several times and been dismissed by customer service reps and supervisors saying there 's nothing they can do. They forwarded my accounts to a collection agency ( XXXX ) that lied to me on three occasions saying that if I made a {$500.00} payment that they could negotiate a lower rate for me. Never happened! I am about to be a mother in XXXX and my employer brought the loan default to my attention. I 'm in a position where my loans can be garnished. I 'm disgusted with this company and in need of a resolution. I ca n't even refinance my loans due to these companies destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: SC

Complaint narrative:
Security Collection Agency is trying to collect a debt of {$100.00} that has been paid. This was covered by insurance and I have confirmed with the original creditor no balance was owed. I have disputed this several times and they did delete this account from XXXX, but not from my XXXX credit report. This is a false claim and it is damaging my credit and I want it to be removed from ALL credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation