vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I hired a Attorney to defend me in a civil case. 
Attorney Charge {$3000.00} I pay {$1500.00} in one payment and {$100.00} dollar payment. I made 5 payment. I called the Attorney to find out who the case was going and he never provide me prove, nor case was file. Attorney told me my case never made it to court and I ask him for prove of his work, he refuse to provide prove. 
I told the attorney. No case to continued no more payments to his office. 2 year later I get calls from a collection agency that I had a Medical collection to pay. I get calls at home and recordings that I should make payments or they will take me to court. Recording disclose I should call investigator on this case, or I will be prosecuted. I called AARGON AGENCY time to find out is the collection agency making the calls. Collection agency is going after me for a medical collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I believe car-share company XXXX and debt collection agency Transworld Systems violated the Fair Debt Collection Practices Act : a ) by making false statements on XXXX notices mailed to my address ; b ) because of Transworld 's inability to retrieve the debt account from its internal computer system to assist me ; c ) because of Transworld 's admission that it has no jurisdiction/authority over the debt, and d ) because of XXXX 's attempt to deceive ( mislead ) me into believing that Transworld was contacting me to collect a debt that would be applied to my credit report. 

Following are my top concerns : XXXX of the XXXX notices received reads : " This is sent to you by a collection agency. " o This is false. If it were true, the Transworld representative would have been able to help me. ( Image included ). 
The XXXX letters does not contain what is called a " XXXX XXXX XXXX. " o The field is blank. According to the Transworld representative, this was XXXX of the primary indicators that illustrate Transworld has no authority over the debt. ( Image included ). 
XXXX of the XXXX letters received read : " This account has been placed with our agency for collection. " o This is false. Transworld could not access the debt in its internal computer system ( no record existed ) and could not help me ... and subsequently sent me back to XXXX ( who refused to undertake my dispute ). ( Image included ). 
XXXX of the XXXX letters received read : " Please be advised that we have been authorized to pursue collection ... '' o This is false. Again, Transworld indicated it had no jurisdiction over the debt and could not help me. ( Image included ). 

I have included a full ( comprehensive ) statement to provide more information considering the character limit on this text box. 

*Please note that I believe the improper communication tactic is grounded in making false statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I had an account set up with Patient Accounts Bureau where they took out XXXX on the XXXX of each month. I called them last week and asked them not to take the money out this month, which they have recordings and documentation of, and they said nothing will be taken out. Today they took out XXXX which overdrew my account forcing me to stop payment on the check which still cost me XXXX. I spoke with their manager XXXX XXXX and he said that he did n't know how long it would take or if they even would reimburse me the fee for having to stop a check that was NOT an authorized payment. They overdrew my account which has caused several issues for me, especially as a single mom, I need this money and they are not being cooroperative at all. This was again a payment that was not authorized, therefore illegal for them to take out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Debt was paid to original creditor, they do not own the debt per their own statement. They refuse to remove even though it is invalid and refuse to provide any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
On or about XXXX XXXX XXXX I was notified of a letter from Lustig-Wilson and Glaser regarding a proposed debt they may have purchased from XXXX XXXX attached to my name. I reviewed the letter and exercised my right under the provision of the FDCPA to request a validation of debt. I sent a certified letter to XXXX on XXXX XXXX and it was delivered and signed for on XX/XX/XXXX. The letter included my request for signature of my original contract from the original client, copies of all charges showing signature, and copies all of statements so I can review this information to determine it all is correct regarding the amount they state is owed. I placed a call 4 days after the certified letter was received by LGW and spoke to associate XXXX to confirm that the request had been updated on my file/records. He could not confirm verbally that my letter was received nor had my file/records been updated with my request. I called back a week later hoping to get an update and spoke to a female who I can not remember her name nor did I write it down, but she also confirmed that there was nothing noted on my file/records that my letter had been received. I called again to LGW and spoke to a supervisor named XXXX on XX/XX/XXXX, 16 days after the letter was signed for and once again I was told that there is nothing noted on my account about my letter requesting the VOD. XXXX then informed me that a request has been sent to the original creditor for information but they do that for all accounts in their office. I asked to speak to someone who could confirm that the office has in fact received my letter and he said he is the supervisor and there is no one else to can help me. I am extremely upset that I exercised my rights to request the VOD and that an office of law will not confirm basic information to a consumer that they are trying to collect from. I honestly think this is a stall tactic and find it unacceptable. I have done my diligence to respond within the appropriate time under the FDCPA validation provision and I have copy of the letter, tracking and proof of delivery.

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 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX

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 2015-05-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I had a surgical procedure. Prior to the procedure I was told to pay ( I do n't remember the exact amount ) about {$600.00} upfront to cover charges that my health insurance company did not cover. At that time, I asked the hospital if this was their final bill or would there be any further bills after the procedure. I was told NO, no further bills would be forthcoming. A month later I got a bill for {$220.00} and have been disputing it ever since based on what they had told me prior to the procedure. Yesterday, XX/XX/XXXX, I contacted Nationwide Recovery Services - XXXX - and told them I would pay this disputed amount if they would confirm to me, in writing, that they would remove this derogatory information WHEN they receive my payment. The person I spoke with ( XXXX XXXX ) informed me that they were unwilling to provide any such assurances to me. So, I 'm between a rock and a hard place. I 'm willing to pay a bill that I do n't owe but the collection agency will not confirm that it will be removed from my record WHEN they receive my payment. This is simply outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
XXXX XXXX Sheriff Dept delivered foreclosure proceeding for a lost note on XXXX/XXXX/XXXX. The law office handling the case also sent a notice to all tenants on XXXX/XXXX/XXXX pertaining to foreclosure actions which is another case. No resolution or settlement was met pertaining to actions to take place at any time after XXXX XXXX, XXXX pertaining to alleged lost note affidavit filed in Circuit Court as recorded on XXXX XXXX, XXXX. The reverse mortgage originated in the amount of {$300000.00} is a credit line that was not advanced and/or any portion thereof at any time between XXXX and XXXX as alleged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
I completed an FHA Streamline mortgage with XXXX XXXX XXXX Bank and they sold my mortgage to HomeBridge. At escrow, I was given XXXX receipts for my XXXX and XXXX payments so that I would know where to send my payments until my account was setup and I could make electronic payments. After signing, I misplaced the coupons and asked my broker to re-send them via email, which he did. I paid my XXXX payment on time using the coupons he emailed me. 

In XXXX, HomeBridge called me to inform me that I was late on my payment and they were " attempting to collect a past due debt ''. They called me on my work phone line. I asked them to call back on my cell phone. I ended up spending around 45 minutes talking to someone about my mortgage. He told me that I owed them {$1100.00}, which was disconcerting because it was significantly lower than expected. I asked them if they had setup my impound account to pay taxes and home insurance. He said they had not and that I would have to fax my tax documents and my insurance documents to XXXX separate departments! I immediately called my broker from XXXX XXXX, and he said to ignore them and wait for my welcome packet in the mail sometime in XXXX and to continue paying to the coupons he sent me. 

I paid my XXXX bill promptly on the XXXX of the month. Then on the XXXX of XXXX, I received another call from HomeBridge saying I was late on my XXXX payment, but they had received my XXXX payment. I told them I mailed the check to the same place as I had in XXXX and the check had been cashed! She asked me to pull up all kinds of information as to where I sent the check, who I addressed it to. Again, I was at work. Again, it took about 40 minutes. Then I just received another call today! The woman who I spoke to on Friday apparently did n't take very diligent notes. 

This process is a waste of my time and is a huge disturbance at work. I feel harassed to talk to these incompetent people out of fear that they will mistakenly report a missed mortgage payment to the credit bureau. I want to emphasize that I have followed all directions that were given to me and both of my payments were cashed. This process has been sloppy and jarring. HomeBridge should be seriously reprimanded for their disorganized practice and harassment of new mortgage holders.

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 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris and Harris LTD has called our phone to collect debt ( s ) that are not ours. I re-registered this number on the national do-not-call list in XXXX 2015 after speaking with H & H rep who was trying to reach XXXX XXXX XXXX. They continued to call, despite my repeated explanations that we are not either of the XXXX and that this phone number will never reach either XXXX. We try to ignore these messages, but they have gone beyond annoying. Another call came through today, so I called them back. Spoke with XXXX, who said that he has deleted our number from their records. I informed XXXX that he is just the latest in a long line of reps promising the same thing. He informed me that there 's nothing else he can do... then suggested i register on the do-not-call list. Sigh.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 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: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I closed my account at Nevada State Bank in XXXX XXXX because I moved out of state. For some reason my bill pay was active and a payment was made from my bill pay in XXXX XXXX to XXXX XXXX for {$120.00} in which I no longer have their service. XXXX, XXXX core processor sent the payment to XXXX XXXX with no funds in the account because it was closed. XXXX has sent me XXXX letters in which I called them and explained the account was closed and they should not have issued the payment and they should get the funds back as I did not request the payment to be made. I received another letter XXXX/XXXX/XXXX from XXXX threatening to send me to collections if I do n't pay the debit by XXXX/XXXX/XXXX. XXXX should not have issued a payment with no funds in account they should have stopped it and I do not feel I should pay. If I have to assist with the return of the funds my time is valuable and they made the mistake. They said their system is set up to pay items even though no funds are in an account. They need a new system and that is their risk!

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 2016-04-19 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was contacted and left a voicemail by the same person three times in one week claiming to be XXXX XXXX representing XXXX. She stated on the voicemail, she was contacting me regarding legal complaints that are stemming from XXXX, that is attached to my name and then she stated the last XXXX numbers of my social. ( XXXX is my bank. ) I contacted my bank. They did not know anything about this. They put more security on my account deciding this could possibly lead to identity theft. Then I received another voicemail from XXXX XXXX, this time more information. She stated she was contacting me in regards to a check and fraud charge, that they have been asked to file against my name and social security number. Then by the third call XXXX XXXX left a voicemail that she received several legal complaints in her office regarding fraudulent allegations that are attached to my name and social security number. This was very upsetting because I did n't know who, XXXX was, and XXXX XXXX stated in the first voicemail that my bank, XXXX, was where the legal complaints were stemming from. My bank stated they do not have any legal complaints out against me. So she was lying. I was tired of the constant threats on my voicemail. I called the number XXXX to contact XXXX XXXX. She wanted my name, I stated I would just give my phone number. Then I waited and there was silence. So I just began speaking, " I would like you to stop contacting my number ... '' but before I could finish she started screaming at me that this was Ace Cash Express! So I said, " What is XXXX? '' That is who she said she represented in all of the voicemail 's. She said, '' They were going to file fraud charges against me, but was yelling at me and very unprofessional altogether. I could n't get a word in. It was verbal abuse, and I was n't going to take it. I ended the call. My phone rang and it was the number I called. She was calling back and I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
PHH Mortgage has done several things to make my mortgage increasingly untenable and are now threatening to foreclose. When I submit late fees, they disregard instructions and apply it toward principal, subtract the outstanding fees from the base payment, claim I was late, then apply yet more late fees. I now owe well over XXXX $ in late fee due to this 'snowballing ' of late fees. Once, they sent me an escrow overpayment check of XXXX . I called to confirm that that was not an error and was told it wasnt. A month later, after the money was spent, they said it was an error and I had to remit the entire XXXX $ immediately. I could not do this, so my next payment was applied to that and I was assessed another late fee because they claimed I had not made a payment toward the mortgage. They eventually came up with a repayment plan but at this point my XXXX $ mortgage was now about XXXX $ per month. This made a difficult ( due to injury ) mortgage incredibly hard to pay, resulting in more late fees. Their phone representatives are completely inconsistent ; at XXXX point claiming I owed no fees followed by a letter saying I owe hundreds. Once they claimed they could not look beyond 2 years back of the loan due to their computer system ; a claim that is completely implausible in the year XXXX. Now- I have changed positions and well equipped to incrementally pay off everything, but the bank demands 100 % payment or nothing ( they will not even accept my regular payment ). Of course, they are charging more late fees because they claim I am not paying. Naturally, my credit is completely ruined as well. I spoke to them on XXXX/XXXX/XXXX and they demanded a double payment to stop foreclosure. I pointed out if they had not sent back my last payment and I made a payment on-the-spot, that would have been the same thing, but the returned payment had, at that point, been re-routed to other bills of mine. I offered to make a double payment on XXXX/XXXX/XXXX and they said I would have to make a *triple payment " or be foreclosed. This is impossible of course, although it could be done on XXXX/XXXX/XXXX, yet I suspect they would demand a quadruple payment by then.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
Since XXXX 2014 we have made several request to our mortgage company that monthly payment coupons/statements be sent to us for our monthly mortgage payments because since then we have just been mailing payments since no payment coupons/statements have been forthcoming. We have been with this mortgage company for 9-10 years, never having a problem until now. We have made several attempts to remedy the matter only to be told they are coming, and always suggesting we go on-line to make payment or through their automated payment system, which charges a fee. Plus, none of these options are we interested in since we are older and prefer the old method of payment. This concerns us since it seems like they are trying to steer us to on-line payments. Can you please help us to find out what 's going on. We just want to receive paper payment coupons/statements on our account which should be our choice and as a consumer/customer we should be entitled to. Thanks for your help with this matter.

Company response to consumer: Closed with explanation