vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX. To my dismay the alert was an account had been reported to collections. I have been working diligently on my credit and know I have not been late nor defaulted on anything. After some investigating I was able to find out the acct. is from an XXXX XXXX visit on XX/XX/XXXX. Not only do I not recall being in the XXXX XX/XX/XXXX, but I had medicaid ( back then in Michigan it was called the Adult Benefit Waiver ). I contacted the hospital where the original service was rendered and they do not have me owing any kind of balance. The lady in billing also informed me that it is possible that I was billed directly by the Dr. She then gave me the number of XXXX XXXX XXXX. I then called them and gave a very rude lady my info. She explained to me that yes, the acct was sold by them to XXXX, the collection agency and that was all she could tell me. This bill of {$380.00} is ruining my credit and it is not a valid acct. If services were received on XXXX XXXX, XXXX, than XXXX XXXX XXXX should have been paid by my insurance just like XXXX XXXX XXXX XXXX was. Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
I subscribed to a website that directed me to some lenders and this lender, Myloansite.com, sent me an email stating they approved my payday loan request. I logged in and i was directed to sign electronically some contracts online. I made a mistake and did n't read the little details on the contract such as interest rate which is around 650 % and it 's a rip off. This company operates like a XXXX and I read online that they 're not even licensed. Now, the amount is around {$1700.00} since XX/XX/XXXX and I told them I will never pay this amount to them. They can send me to collections all they want. This is scam and rip off. Please make sure such companies will not abuse consumers like me and advise how I can make payment to this company at a reasonable account to disappear from my record completely. Such companies use vulnerability of consumers like me and abuse with huge interest rate. They 're XXXX of loan industry.

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 2016-11-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Blitt and Gaines, P.C.
State: KS

Complaint narrative:
On XX/XX/2016, I received a dunning letter signed by an attorney on Blitt and Gaines , P.C . stationery. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit on XX/XX/2016 against me within the thirty ( 30 ) days. I have had to defend in court while another Blitt and Gaines attorney continues to send dunning letters without proper validation. In court, the attorney for plaintiff is shifting the burden of proof onto myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mediation Recovery Center
State: FL

Complaint narrative:
I received a voicemail on XXXX/XXXX/15 from someone named XXXX from Mediation Recovery Center at XXXX stating that they never heard back from me & that they will be calling my job tomorrow. They contacted my job the next morning without my consent & threatening me on the phone that they have my ss # & will verify my pay to garnish my wages! I told her she is not allowed to call me at work & she kept blabbing on then hung up on me. I contact XXXX from Mediation Recovery Center @ XXXX to let her know not to contact my work and that I have rights, she proceeded to say that she will call to verify my pay they have me recorded and that I should pay my bills then hung up.Again she made threats and not once in that conversation did she mention that I was on a recorded line.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Webcollex, LLC
State: MD

Complaint narrative:
On XXXX XXXX, 2015 CKS financial of Virginia contacted my employer. we are not allowed to get phone calls at work. I just talked with them yesterday and told them i would contacat them in 24-48 hours. This needs to be addressed. Thy called XXXX different departments within my work plus contacted me on my cell phone today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are unchristian like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc.
State: WA

Complaint narrative:
About a year ago, I submitted a complaint on my fiances behalf about Renton Collections in XXXX, WA. Last year, we tried to make contact with them to find out about a medical collection they had put on his report and find out where it came from and if it was his, a way to settle it or way to pay it. Not only did they refuse to furnish him proof of where the debt came from and where almost the {$1000.00} 'interest ' was coming from, but they also talked down to him threatening to take everything from him and told him he was n't allowed to call them more than three times a day ( after they continuously hung up on him and I ) and then when we could get ahold of them, they told us we were n't allowed to call again until the next week. After I submitted the complaint the last time, this 'debt ' he 'owes ' mysteriously disappeared from his credit report. And now, over a year later, they 've randomly put it back on his credit report as not only a new debt, but as one that 's in dispute. We have not contacted them or spoken to them in over a year and we want this off his report where it should be.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Paramount Recovery Systems added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before yesterday. Paramount Recovery Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I first reported the issue to the XXXX. Paramount Recovery Systems responded by sending me validation and verification of my debt, which was never in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines did not send me a letter of a right to dispute a debt of a XXXX XXXX card. They are lying in response to a complaint filed by me XXXX. Response was in writing by XXXX XXXX of the company. They did not attach a copy of the letter they supposedly sent to me in their response. I never received any correspondence by the firm to myself in regard to a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK
State: AL

Complaint narrative:
I found fraud in the so called loan process i.e. servicing, and originating the credit. Notice was enacted of the violations on commercial law and common law. The mortgage servicer 's fraudulent activity has voided the contract and nullified the contractual obligation of the payee. I revoked the power of attorney and instructed the company to forward the chattel papers to the updated trustee. They refused to comply with my demand. Now, they are processing an illegal foreclosure of my personal property, which is not lawful because they sold their security interest when they transferred/ assigned my promissory note to an investor that is trading my " instrument/ note '' on the open market. All of this is not legal because in Alabama, all transfers/ assigns are to be filed with the county recorder 's office. 
The mortgage servicer, once mortgage lender, have no lien on my property, which makes the frivolous foreclosure process an illegal procedure. They committed securities and wire fraud by sending me a forged document ( a copy of the single indorsed security instrument ) via email communication. All incidents have been report to the pertained local and federal agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
After reviewing my credit report, I discovered that Target has been adding new " Key Derogatories '' when I settled on this account two years ago. This is inaccurate and only serves to lower my credit score. I have been disputing this account for a few months now and Target has done nothing but damaged my score even more. There can not be ANY " payment history '' entries AFTER the account was paid because this is a closed account and there is no balance due. I am also attaching a copy of my credit report showing their updates in my payment history. Their inaccurate reporting is unfairly damaging my credit score and needs to be removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We received a loan modification from TD. We complied with all the payments. 
completed XXXX trial payments $ XXXXCash contribution of $ XXXXXX/XX/2014 modification began $ XXXXXX/XX/XXXX notice of new payment $ XXXXSince receiving that letter we have called and emailed out representative. No responseCalled TD bank XXXX times a week on phone for hours being transferred around. No one knows what 's going on and they say a supervisor will call back. They never do. 
What do we do? Nowhere in agreement says this is going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I experienced identity theft and notified XXXX XXXX, XXXX XXXX, Target, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. Target, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Auto Trakk, LLC
State: DC

Complaint narrative:
I have requested debt validation from Auto Trakk several times and to date have not received anything. I am rerequesting a contract or something which bears my signature and shows that I owe this debt or I request that it be deleted from my credit report as it has bot been validated after several requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had an interest rate lock agreement with TD bank during my mortgage application process. Just after a day of my application loan officer denied to offer me the same rate. He has been promising me to offer competitive rate but not the same rate. I have a contract signed with seller amd have paid earnest money. Now within less than a week from loan application date, interest rates are increased. So if I go to another lender, they will charge me more. What options do I have to make sure that the bank keeps the commitment? Can I file a complain if they do n't keep the agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank levied my business bank account domiciled in the State XXXX, due to a XXXX subpoena and personal judgment received that directed them to restrict XXXX domiciled accounts only. When I told the bank that they levied my account in error, they responded that their customer agreement allows them to levy accounts outside the scope of the XXXX subpoena, yet could not show me any agreement language in support of that claim. They have frozen almost {$7000.00} in funds without any authority under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: 3rd Generation, Inc.
State: WA

Complaint narrative:
I was verbally insulted multiple by a representative. The representative shouted over the phone to tell me to " shut up! '' and afterwards he told me to " be more of man '' and that " I am irresponsible ''. The same representative left me a voicemail stating if I did not call him back he was going to report me to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
In XXXX 2015, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. When my loan left XXXX XXXX XXXX, everything was perfectly fine with my escrow account and my monthly mortgage payments. In fact, the month before it sold, I sent them a check for an escrow shortage. On XXXX XXXX, 2015, Carrington did an Escrow Analysis and somehow came up with a shortage in the amount of {$1100.00}, however, no one can explain to me where this shortage is coming from. It does n't really take a genius to figure it out. They are paying my taxes on the wrong dates. I have faxed them a XXXX page letter on XXXX XXXX explaining my discrepancies with my mortgage XXXX a copy of which is attached for reference ). Whenever I call Carrington, no matter who I get, their response is always " I do n't know '' No one there knows how to do their job. My property taxes are due in XXXX and XXXX each year. They are trying to pay my property taxes in XXXX and XXXX and so now that is where the shortage is coming from. They are paying taxes before they should. The XXXX County Auditors office has gotten numerous complaints about Carrington doing this and they are getting extremely irritated because it is creating more work for them. They do n't even know what our taxes are going to be each XXXX until the XXXX ballet passes. Tax bills do not go out until XXXX and are due in XXXX. So Carrington is sending wrong amounts to them! In addition, Carrington is paying too much for property taxes. My taxes are {$1300.00} a half and Carrington is paying {$1300.00}. They are trying to tell me that my mortgage is going up {$98.00} due to this shortage, yet they ca n't even explain the shortage. Again, no one at this company knows how to do their job. I know more than they do. I never had any problems with XXXX XXXX XXXX. Carrington has been a COMPLETE nightmare and action needs to be taken against them. I have sent them all the documentation they need, and XXXX again, I am attaching all that documentation to this Complaint. They better get it figured out soon or I plan to take further action against their company! This company is a FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
A Target rep changed my statement due date resulting in a late fee of {$25.00} plus interest. Target refuses to credit me for these overages and a rep tried to discourage me from reporting this matter.

Company response to consumer: Closed with explanation