vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-22 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: Focus Holding Company
State: AZ

Complaint narrative:
I had cable with XXXX XXXX XXXX when lived in XXXX. I only lived in XXXX for nine months. I moved to XXXX. I turned in all of my cable equipment. IN XXXX of XXXX. I received a collection notice from XXXX XXXX XXXX stating I owe a balance of {$320.00}. I made a payment arrangement with them. I paid {$110.00} ON XXXX/XXXX/XXXX AND THEN on XXXX/XXXX/XXXX I paid the remaining balance of {$220.00}. The approval code as XXXX. I also have the proof because i paid out of my XXXX checking account. I pulled my credit report and have a collection account from FOCUS RECEIVABLES Management on behalf of XXXX XXXX stating I owe {$420.00}. This account states it is opened XXXX of XXXX. I am so upset because now I have another company stating I owe monies that I have proof is paid. I am currently under investigation to obtain employment with the XXXX. I have paid all my financial obligations. i disputed the item on my credit report and will call credit bureau in the morning. Please assist in this matter. If an account is paid in full. Why would another collection agency be able to try to collect on a debt already paid! This is fraud and very confusing. I will be happy to pull my bank statement and show balance was paid in full! I also have a copy of the original credit collection service whom i paid. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 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: Focus Holding Company
State: TN

Complaint narrative:
I noticed a collection from Focus MGMT on my annual credit report. It included a charge of {$82.00} from XXXX with an opened dated of XX/XX/XXXX. I immediately called and spoke in detail with Focus MGMT about the invalid account claims for services never rendered. I explained in detail as to how XXXX was unable to bill me for services due to the fact I had n't resided at XXXX XXXX XXXX XXXX XXXX, TN XXXX since XX/XX/XXXX. XXXX indicated services was rendered in XX/XX/XXXX long after I relocated. I preceded to ask for a signed receipt for services rendered in XXXX. I was advised that the account would be referred back to the originally customer ( XXXX ) as an deputed account. I had yet to receive documentation from either parties. Three months later, Focus MGMT just reported account on XXXX with the same information. My question is why I was n't notified previous to the collections being placed for collection? I shared my current address with Focus MGMT when I requested for a signed document containing a verifiable submission of services received ( since I know they do n't exist ). I would like to think this company is n't trying to destroy my credit by not giving notice and placing bogus accounts on my report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 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: Focus Holding Company
State: CA

Complaint narrative:
I was looking at my credit report and I found there is an attempt to collect a debt from me by Focus Account Receivables which I do not owe. The original creditor was listed as XXXX XXXX XXXX on the credit report. I had service with them 5 years ago, and account is closed. XXXX XXXX also does n't provide service in the area I currently live in for the past 5 years, and I also called XXXX XXXX and they do n't have any record of my name or phone number in their system or anything I owe for that matter.

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 — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC
State: NJ

Complaint narrative:
Back on XXXX XXXX, 2014, a company called United Recovery Systems called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with XXXX XXXX to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, XXXX XXXX and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.

Company response to consumer: Closed
Consumer complaint received 2016-05-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: URS Holding, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
I graduated from XXXX XXXX XXXX in XXXX on XXXX 2014 as a XXXX. In order for me to attend that school, they helped me to obtain XXXX student loans, XXXX for about {$20000.00} backed by the Federal Student loan and the other for {$8100.00} from another lender. Six months after my graduation I was to start repaying the loans, which I did with some of my savings, money from the XXXX XXXX, one weekend a month, and my father help. I made payments for about six to seven months but without a job I could not continue doing so. I applied for " a Forbearance '' form both loans and it was granted to me by the Federal Student Loan right away but the other loan refused to give me a Forbearance and decided instead to refer my Loan to a collection agency, the name of the agency is Enterprise Recovery Systems. I am finally working as a XXXX XXXX and I contacted the XXXX Student Loans organization to start repaying those Loans. In the mean time, the Collection Agency is adding about XXXX % to the XXXX loan, the original amount was {$8100.00} now the balance is {$10000.00}, Documents attached. Is this something that is allow by law for this collection agency to add such a outrageous amount to a loan? The only reason I was not paying is because I did not have a job. 
Please advise. 
Thanks - XXXX XXXX - XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: IL

Complaint narrative:
XXXX ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA, CALLS IN VIOLATION TCPA also, my mother XXXX XXXX XXXX had the same problem, ss # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Focus Holding Company
State: TX

Complaint narrative:
Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! 
They said I was guaranteed to do 10 years in prison.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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: URS Holding, LLC
State: SC

Complaint narrative:
I received numerous calls regarding a debt that I owed to a college I attended. When receiving those calls my personal information including my ssn was requested in order to verify the account. I advised numerous representatives that I would like the information in writing. Due to being leery of scams and identity theft, I would not supply my personal information to an unknown source. When I did not receive any of the requested information, I contacted the school to find out the name of the collection agency my account was referred to. I was provided a different name other than Enterprise Recovery Systems. I then started making payments to the school directly thinking the company was not legitimate. Enterprise Recovery later placed the collection account on my credit report ; I disputed it because I was never properly informed of the debt. After the dispute was filed, I received notification of the outstanding balance via mail ( today. ) I contacted Enterprise and the representative advised there were numerous calls but my identity was never confirmed. I explained that was correct because I would not give them my ssn via telephone. I advised her that I will be paying the balance in full and requested the collection be removed from my credit report due to lack of and improper communication. She advised they wo n't remove it they will only place paid in full on my report which I think is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Account Managers, Inc.
State: WA

Complaint narrative:
In 2012 I had a child. 6 months after I received a bill from the provider but it was substantially higher than I expected, and I was told it was because my insurance did not cover the additional tests required. I talked to my insurance company. The tests were XXXX tests and XXXX done weekly because I was " XXXX '' aka over XXXX. The insurance said that they had not put the XXXX on the bill and to work with them to have it resubmitted. The office manager verbally told me she was working on that and I no longer recieved any bills. Then I recieved a notice it was being sent to collections. I called and it was a new office manager and I reexplained and she was going to look into it, but apparently just turned it over for collections. Grimm Collections has contacted me several times for payment and I have told them this every time all the while trying to get the provider to rebill insurance, but since they sold the debt to the collection company the office manager said it was no longer their debt. I was served with papers that they were going to take legal action. I asked the process server what the next steps were because at this point the medical provider has closed their office. I was told that I would be contacted with a court date. The paperwork only gave options for payment, so I waited. Now I am getting demanding calls XXXX and three times a day demanding full payment, and that they are not going to stop calling and saying that the court date has already passed and I missed my opportunity to say my piece.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Financial Asset Management, Inc.
State: UT

Complaint narrative:
Check City sold data to XXXX who contacted me XXXX/XXXX/XXXX to try to collect the debt. 
Bankruptcy was filed in XXXX, discharged in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash and Curtis has not replied to my letter requesting validation of debt which was received via certified mail on XXXX XX/XX/2016 and continues to be reported on my credit report. Rash Curtis and Associates have violated federal law, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did a short sale on my condo. The bank that held the second mortgage agreed to take $ XXXX form the sale of the property and that upon receiving funds they would release the mortgage. Their agreement letter also states that there would not be any deficiency on the loan. Three months after closing my release is not on file with the XXXX website. I also received a call from a collection agency without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My mortgage loan was transferred Loancare about XXXX month ago. As result of the transfer my monthly payment went up by {$110.00} per month. Loancare made an error calculating my escrow deduction by double counting annual tax payments. I 've been trying to resolve this for XXXX month now. I 've called many times, escalated cases to both escrow and tax departments, was hung up on several times when asked for a supervisor. Finally got to a supervisor, and was promised a XXXX day resolution, that was XXXX days ago and still no result. Not sure what to do now, but definitely can not afford paying additional {$110.00} per month.

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 2016-08-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
They call restricted or different numbers at any time day. All I know is that its ARS collection agency. I really dont know much about my case so I dont know if this is real or a scam. But they call at any given time.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: KS

Complaint narrative:
I opened an account with Simple, which used Compass Bank as the bank partner. On XXXX XXXX, a garnishment was placed on the account, and the account was locked. On XXXX XXXX, a deposit was denied due to the locked account. In second attempt, on XXXX XXXX, that deposit was allowed. Now the deposit is being held by the bank. This money is not supposed to be in the account in the first place. Simple refuses to release that money. If the account is locked, how can a deposit be accepted? 

Simple refuses to help and refuses to admit their error. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I called southern management systems to try to reach a settlement. I told him the most I could afford and he laughed in my face even though it was for over 1/2 of the amount due. He got very belligerent and said I was going to make you an offer but because you yelled at me which I never did he said he would n't help me at all. I feel like the debt should be paid because they refused money.

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 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Three years ago we refinanced our home with XXXX XXXX to get a lower interest rate. During the first year of this refinance we received a notice stating that we needed to start sending our payments to LoanCare, XXXX. We did this for nearly two years, during the last 6 months or so we got behind on our payments and was offered a Loss Mitigation by LoanCare. This Loss Mitigation was approved for a four month trial period. We made our reduced payments every month during this trial. In XXXX Loan Care sent us a notice that we no longer qualified for the loss mitigation and that we owed the full amount in mortgage payments. They did not give us credit for the payments that we made during this four month trial period. We have been unable to get anyone from LoanCare to give us a reason why this money has not been applied to our account. We feel that an investigation should be filed in order to find out if this is a common practice for this company and put a stop to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This is an extension compliant on report Case number : XXXX original complaint statement They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!! 

They still do not want to delete debt from credit bureaus They are not authorize to collect interest as per original contract with XXXX XXXX XXXX the next step would be to go to the State General they have made false statements. They are govern by fair debt collection practices act California that they are violating here are some violations Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections XXXX ; 15 United States Code sections 1692d-1692e. ) I have recorded them treating me they would sue me garnish my wages ruin my life is all RECORDED if I did not pay them right away they also curse me out when I dispute the debt and tell them I do n't owe them a dime Debt collectors can not make false or misleading statements ( California Civil Code sections XXXX, XXXX ; 15 United States Code section 1692e. ) Some debt collectors supply information on debts they are collecting to credit reporting agencies such as XXXX, XXXX, or XXXX. However, a debt collector can not threaten to report your debt to a credit reporting agency unless it actually intends to do so and unless the information it is reporting is true. ( California Civil Cod section XXXX ; 15 United States Code section 1692e ( 8 ). ) The key word is true they have been reporting inaccurate information for more then 2 years wrong amount and multiple accounts where there is only XXXX account proof of payment has been summited XXXX pics XXXX bill under XXXX XXXX last transaction on XXXX 2016 conformation number XXXX gave me is XXXX phone number they gave me for debt department is XXXX Here is a blog of other people with similar situations maybe class auction lawsuit is warrant here 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 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account was charged XXXX NSWF fees for transactions that show the account was positive at time of transaction. Was charged XXXX dollars for XXXX purchase XXXX Charges are as follow and order. 

XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$14.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$18.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$19.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$20.00} XX/XX/2016 XXXX ( XXXX ) XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$23.00} XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XX/XX/XXXX {$39.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX XXXX -XXXX {$47.00} I also deposited XXXX dollars via the mobile app which has always posted the next day which would have covered the XXXX cents i was charged XXXX dollars for. The app always post the next day but this time it has not. I called the customer service line was put on hold for 45 mins and told they did n't have the tools to fix it. I was told the supervisor had stepped out, then told to write a letter, when I demanded to speak to someone. I was put on hold then hung up on.

Company response to consumer: Closed with explanation