vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
I have send several request to former law firm when was served papers by the sherriffs dept of a attempt to collect debt but have never received a response back w/requested proof & now it has been assigned to a new law firm. I have kept all emails send to prior law firm notes made on letters & print screens along w/mail receipt of formal letter showing letter was received from the prior law firm & now a new law firm is trying to attempt the debt. 
I am also sending them copies of the requested/papers sent to the prior firm for their review as of XXXX/XXXX/15 via the post office. 

I do not know who the debtor is that is why I have disputed the debt & requested proof as in the past I have had my SSN # stolen before I got my 1st credit card so am leary that it could have happened again & I stated that in my concern letter that was sent to the law firm. Legally they have to provide me w/proof of the debt & have not complied w/my legal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I received a cash advance. When it was due I called and asked for a 4 day extension. I was denied for the first time in 5 years. I was told by " XXXX '' that the check would be deposited in two days knowing that my check will bounce. Then she said that I 'd have a $ XXXX fee from Amscot and XXXX {$35.00} return check charge from my bank. I told her that my mortgage payment will bounce. I was never told that I could n't receive an extension, nor was I offered any other assistance. 

I called the Corporate Office and was told the same, except she said that had I called earlier I could have received assistance. I called XXXX/XXXX/15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 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: Stellar Recovery, Inc.
State: OR

Complaint narrative:
When checking derogatory remarks on my credit score, it shows that I STILL owe on this debt. Despite the fact that this was from XXXX a few years ago claiming I did not return equipment, which I did, When I went on their website to pay the total, the option came up to settle for {$41.00}. I have paid this debt to Stella Recovery and should be removed from my credit 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 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
Around XXXX or XX/XX/XXXX, I had received a bogus billing from STELLAR RECOVERY # XXXX regarding a {$230.00} bill with XXXX. I immediately called Stellar @ XXXX XXXX XXXX XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my FICO d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from STELLAR RECOVERY on XXXX reports, XXXX, so I filed disputes with both companies XXXX had the item deleted, but XXXX just added a note that " acct was disputed by Consumer '' with a removal date of XX/XX/XXXX. On XX/XX/XXXX I filed a second dispute with XXXX and n XX/XX/XXXX I sent a formal complaint to STELLAR RECOVERY, with no reply to date. My FICO score remains at the mid XXXX, due to this bogus reporting by STELLAR. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX 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 2016-08-10 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: Stellar Recovery, Inc.
State: NY

Complaint narrative:
on XXXX XXXX i was checking my credit report when i see that i had something reported to my credit file by XXXX as a collection item. immediately i contacted the credit bureau who informed me it was from some collection agency call Stella Recovery Inc. its reporting that i owe {$560.00} to comcast which i have never had any service with. i was not aware that there was a bill in my name with this company as i have never had any form of communication which such company. i put in for a dispute and on, regarding this creditor. on XXXX XXXX i received an email from XXXX stating that the dispute was complete and a number was given to me XXXX, however, when i checked my report the info was still on my file, so i again call XXXX and the rep told me that they contact XXXX and XXXX said this belong to me. i immediately called comcast who could not find any info with my name or address in their data base or even an account number for this service, not only that they informed me that they do not deliver service to my area. i have never lived anywhere out of XXXX and find this strange. attached please find a copy of my id and the info that was reported to my credit report. i would like for this to be completely be removed and this agency who is reporting false info to my report be dealt with. also the credit bureau makes me feel like there is no safety with them either which is really sad. this is no the first time my credit info is being compromised and it bothers me to the core.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX/XXXX/15 : XXXX $ of unauthorized ATM withdrawals were made in NJ supposedly using my card. I have never been to the said location and could not have been there at the time of withdrawals ( XXXX ) because I finish work in XXXX , NY at XXXX. 
XXXX/XXXX/15 : I find out my account is depleted and call Citi Bank. They set up an investigation as well as issuing me a new card, and I also change my pin. 
XXXX/XXXX/15 : I file a police report and call Citi Bank again. They decline the claim. 
XXXX/XXXX/15 : I re-submit the claim from a Citi Bank local branch, and the agent sends documents proving that I could not possibly have done the said transactions. 
XXXX/XXXX/15 : Citi Bank decline the claim again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I closed on a HELOC and was charged 2 times for closing costs ; Please investigate this bank- I filed a complaint with the consumer protection bureau regarding the processing of the loan before it closed and after it closed they made ANOTHER mistake that I just discovered, which was charge me 2 times for closing costs. The complaint I filed with the Consumer Protection Bureau was related to another matter, NOT this matter ; First Tennessee Bank is a financial institution that should be able to close a loan without mistakes. This is the XXXX mistake and almost {$4000.00} in their favor ; Where is this money? Who spent it? Where is the internal audit department at the bank and why did they not see they charged me two times for the closing costs? Why have they not contacted me to issue a refund? How can a bank balance their balance sheets with a {$4000.00} error in their favor and not research to determine the sources of the overage in their ledgers? Why not reach out to the customer to admit a mistake? Perhaps they charged me twice as a means of revenge as a result of the complaint I filed with the Consumer Protection Bureau. This bank needs to be audited by the Government- If they miss a {$4000.00} error, what XXXX customers have they taken advantage of? 

Thank you for looking into this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK
State: CA

Complaint narrative:
My HELOC with First Tennessee Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years ( last six months of statements are enclosed ). In XXXX I filed a complaint against First Tennessee Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for First Tennessee Bank dated XXXX/XXXX/XXXX ( letter enclosed ) saying that they would take care of it. I disputed this response because although First Tennessee Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted First Tennessee Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with First Horizon Home Loans, a division of First Tennessee Bank N.A. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX ( letter enclosed ). The HELOC was then transferred back to First Horizon effected XXXX/XXXX/XXXX ( letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that First Horizon was now First Tennessee Bank ( letter enclosed ). 

ACTION NEEDEDThis HELOC with First Tennessee Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in Federal District Court for violation of my rights under the FCRA naming First Tennessee Bank, and the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: SC

Complaint narrative:
Stellar Recovery, Inc. reported a collections account to the XXXX credit bureaus in XX/XX/XXXX, identifying XXXX as the original creditor. When I called Stellar for information on the debt, I was told it was a debt from XX/XX/XXXX in the amount of {$440.00} and previously had a high balance of {$520.00}. I then called XXXX and spoke to XXXX other people, XXXX claiming I owed {$27.00} and another claiming I owed {$720.00}. This is a debt from 5 years ago, and XXXX never contacted me saying that I owed anything! I ca n't verify if the debt is valid because the companies tell me different amounts. I was in the process of purchasing a house when this was reported on my credit and I lost the sale and the pre-approval from my lender. The collection agency is completely misrepresenting my current position as a borrower by reporting the debt as new in XX/XX/XXXX, yet saying telling me the account became delinquent in XX/XX/XXXX. To top it all off, my wife just had a false collections account reported by Stellar Recovery removed from her account. How can they be allowed to do this to people?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ALKAN MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was interested to finding out information about purchasing a home and sought to speak with a load specialist company, and was approached via XXXX by Certified Mortgage Planners. 

They misrepresented when my credit would be checked and how many times it would be checked. My credit had been pulled twice ( XXXX XXXX/XXXX/2016, then again on XXXX/XXXX/2016 ) despite the fact that I was told by them that it would only be pulled once after consenting. 

They misrepresented the role student debt would play in my application, first stating that my student loans were not a problem on XXXX/XXXX/2016 but then provided directly conflicting information, stating that they were a problem per our conversation on XXXX/XXXX/2016. 

They told me on XXXX/XXXX/2016 that I was no longer eligible to be pre-qualified for the discussed amount and that would need to wait 30 days in hopes for my credit score to go up to XXXX " so maybe we can work something out '', when their decision to pull my credit twice, the first time without my consent or authorization and in direct conflict with my directive, may have directly adverse consequences on the score. 

I then consulted directly with the Consumer Financial Protections Bureau, which guided me to inform the mortgage planning company and the credit company, Certified Credit Reporting, to have them correct and withdraw XXXX of the credit inquiries there were done on my credit. 

I contacted Certified Mortgage Planners with a formal request to correct and withdraw XXXX of the credit inquiries related to my inquiry into financing a home purchase via email on XXXX/XXXX/2016, never got a response back. 

Then I proceeded to contact the credit company, Certified Credit Reporting, to explain the situation and was given to a run around without a straight answer but to email ( sent on XXXX/XXXX/16 ) the manager, a XXXX XXXX, because she was the only one that could send out the paper to the credit bureaus in order to correct and withdraw both of the credit inquiries. She proceeded to contact me when I was unavailable, and when I called back the number she provided, then she was unavailable. 

As of today, XXXX/XXXX/2016, the has been no resolution and the credit inquiries are still showing in my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
I discovered that my credit score had declined due to a report from Russell Collection Agency. I have never received a call or mail notification from this company and I have no idea what it is from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I am currently due for my XXXX XXXX payment on my vehicle. I have been receiving numerous phone calls after the seven day grace period. Yesterday I received XXXX calls back to back at XXXX, XXXX, XXXX and XXXX. I had missed those calls and they kept calling back. That is harassment! I worked collections and there are rules against constant calling and hanging up and calling back again and again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica
State: CA

Complaint narrative:
I used my DirectExpress card at an ATM near my house, and subsequently lost it. When I sought help from an advocate to resolve the issues of fraudulent charges made to my account, I have encountered nothing but terrible customer service, or complete lack of service altogether. The institution refused to reimburse my fraudulent charges in a timely way, ( or at all to date ) they refused to speak to my authorized advocate who I enlisted to help me. The institution was often difficult to reach by phone and then would not answer my call. The paperwork associated with making a fraud claim was completed in a timely and thorough manner, and within a few days, they rejected my fraud claim and did not provide any documentation to validate their findings. I have since tried to contact customer service and have only reached a recording explaining to call back at another time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Curtwright & Klein, LLC
State: TX

Complaint narrative:
Curtwright & Klein, LLC called me using XXXX. The person callling refuses to identify himself. I 've asked him 5 times not to call me at work because I can be fired. They use vulgar language and threaten me with legal action. They are a collection agency not the original creditor. I am writing the state attorneys General Office for Texas, and also copying the debtor 's so-called " compliance '' department regarding violation of the FCRA because Curtwright & Klein use of threats, other means, use obscene or profane language, falsely represent that the debt collector represents a state or federal government, gives me misleading information on the amount or legal status of a debt and declare it is " Pre-Legal '' giving the false implication that debt collector is an attorney or law enforcement officer, or that nonpayment of a debt will result in arrest or imprisonment, and cause my telephone to ring repeatedly with intent to annoy, abuse or harass. Please enforce the law regarding this type of horrible harassing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Check Security Associates, LLC
State: PA

Complaint narrative:
This debt collector called Warner Asset locations called my previous place of employment and got the number to my new place of employment. The lied/misrepresented themselves and said they were calling to verify employment then asked to speak to me. When i talked to them the lady called herself XXXX XXXX, did not identify herself or the company. She wanted to verify my address and wanted my debit card to make a payment on a payday loan. I said i will not do it at this time because i am at work. I also told her she can not call me at work. She said well you are not answering your other phone. She threatened to serve me papers at my place of employment. She gave me her number to call her back at XXXX to call her the next day. Once i left work i called her again to reiterate that i do not want her calling my work anymore and also i was never given the opportunity to dispute the debt and that In XXXX payday loans are illegal. She said i lived in XXXX at the time of the loan. I said that is false and that I lived in XXXX my whole life and i have never been to XXXX. The loan company made up false XXXX address. 
I was never given notice of the right to refuse. The also illegally obtained information about my new place of employment by lying to my previous place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC
State: FL

Complaint narrative:
DNA has called my cell phone saying I have a debt, and to please contact them. I called to be told by a recording, this is attempt to collect a debt. I later heard from a representative asking if it is okay to continue on. I agreed to hear what they were talking about, and the process begin. I was asked all my personal information to find out they were harassing the wrong person, I did not want to disclose my personal information over the phone. After they told me they had the wrong person and the name given was my mother. I asked them to disclose the debt since they had asked me, my personal information, I was told I was n't on the account could not disclose her personal information without her consent. I did not give my mother my consent to be a credit reference. I 'm highly upset, there should be a law against putting a person on a loan for credit reference without their consent when applying for a loan.Also stop debt collectors from perusing non applicant ( credit references ).

Company response to consumer: Closed