vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
Debski and Associates acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus Debski and Associates were required by the FDCPA to cease collections until the debt collector obtained verification of the debt and said verification is mailed to the consumer. Validation was never provided. Debski failed to cease collections and filed suit in small claims court violating Federal Law. 

The only document provided to the consumer was through an attachment to the suit, filed in small claims court, Complaint - Breach of Contract referred to in the complaint as " the Agreement ''. " the Agreement '' fails to meet the litmus test for validation. " the Agreement '' consist of pages XXXX thru XXXX of a PDF that can be downloaded by anyone at the url XXXX the matter XXXX v. XXXX, XXXX XXXX XXXX ( Ind.App. XX/XX/XXXX ) : According to this case, the debt collector must, at the very least, provide a full payment history and an explanation of how any additional fees were calculated. 

In the matter XXXX vs. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) : " It is unfair to consumers under the FDCPA to hide the true character of the debt, thereby impairing their ability to knowledgeably assess the validity of the debt. " Although these cases differ in nature they confirm at a very minimum an itemized accounting of how the total amount of debt was calculated including fees and interest should be included in a debt validation. Additional debt validation should include account statements from the original creditor, payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. 

Debski and Associates having provided the consumer only a PDF that they refer to as " the Agreement '' by means of attachment to the complaint failed to meet Section 809 of the FDCPA [ 15 USC 1692g ] therefore invalidating their suit Complaint - Breach of Contract. Plaintiff 's Counsel was forbidden under Federal Law and precedence set forth in Case Law to proceed with the suit Complaint-Breach of Contract. XXXX XXXX XXXX Florida Small Claims Case XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management calls my office on a daily basis. Most of the time they hang up as soon as we answer, other times they ask for me stating that they have an important business matter to discuss with them. I do not owe them any money, no debt is reflected on my credit report, and I have asked them several times to refrain from calling me - especially at work, and they refuse to listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Carma Enterprises Inc
State: NV

Complaint narrative:
Its none of the issues i listed it is harrassment that has taken place .Im late on my payday loan which is my fault im now being harassed.prior to being late before that i was on time every time my loan was almost paid off.I did fall behind and had to speak with a lawyer about bankruptcy due to the harrassment i was receiving which i really did n't want to do because of course i wan na pay back the loan but the calls to my job threating me saying your coming to my job also telling me i didnt pay enough towards my loan i came in and gave what i had.i was going to bring in what i had everyday just to try and get it paid .the harrassment came from lvfinance employer XXXX and XXXX very rude people and i told them dont call My job if im answering your calls.I spoke with XXXX and before he hung up he said im calling your job now which is un called for.Also he told me i will call you everyday which is fine i owe you but to say im coming to your job and tell my supervisor which is breach of privavcy.I wanted to pay back what i owe credit is everything but the harrassment from this man XXXX will not be overlooked i will do all i can to make sure this man is known about.The calls came and i called back but my job do have the calls logged in the system and the head manager does recall the call where XXXX told him they will be at my job if i dont call back which i was working so i could n't call job policy no cellphones on work floor.On my break i called and the nasty amd rudeness was what i endured im 2 weeks late and the yelling and rudeness when all i wanted to do was set something up with him.I did let the best of me come out and yelled back but you get nothing resolved with XXXX people yelling.This company harassed me at my job that 's my main complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I discovered an account that had been " added '' on my credit report with no notification. It was an auto loan with XXXX from XX/XX/XXXX. The " date reported '' was listed as " XX/XX/XXXX ''. On XX/XX/XXXX, I faxed numerous documents to Equifax showing that it had never been on my report and was not mine. They have repeatedly mixed my data with other people with the same name as mine and taken months to correct it after I 've informed them of it. 

On XX/XX/XXXX, I filed a dispute since they would not remove it via phone or fax. I called Chase Auto Finance to confirm that the account was belonging to someone else with the same name as me, but an address I never lived at, and different social security number and date of birth. 

Today on XX/XX/XXXX, it shows it has been updated. They moved the " date reported '' to XX/XX/XXXX, the day I faxed them proof showing that it did n't exist prior to then, and moved it from Open Accounts to Closed and charged off. I called XXXX again and they confirmed that I do not have any accounts with them. 

Clearly Equifax did not actually verify the ownership of this account under the requirements of FCRA and on top of that, they altered the history to hide that it was mixed in with mine through their data-linking software by changing the date it was reported to the file. 

I attached reports from XX/XX/XXXX - no account present ; XX/XX/XXXX - account present with XX/XX/XXXX insertion date and a screen shot of the updated account showing that the insertion date was changed to XX/XX/XXXX. I have a record of numerous reports that I can provide as well. I provided multiple Equifax reports to Equifax to show that the information was erroneously linked to my report ( along with two other accounts they removed that shared the SAME address and SSN as this account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I have a recently purchased a auto loan MCMC also known an mike carlson motors company in XX/XX/XXXX. I recently became due for my second payment XX/XX/XXXX, Sunday. Keep in my I secured a post dated payment for XX/XX/XXXX, Saturday for my payment due to my paydate being deposited friday evening giving time for funds to clear into my account. I received a phome call today, XX/XX/XXXX from MCMC customer service department. I confirmed that i did secure the post dated payment last week, however the customer service representative was abrasive and rude. Advising i should have paid my car loan on my last paydate, knowing i was due the XX/XX/XXXX. I tried to inform i had cover my rent and other bills ... .but she was still rude, cut me off in mid sentences. Threatened that there was no grace period and my account can go into management review, when i inquired on what she meant, no direct answer or clarification was given. To me, felt like a threat rather than a fact. I understand I have a responsibility amd communication should be given. But if i feel threatened or not given the chance to speak or provide my feedback, that 's a major problem. I have worked in the auto collections industry over 6+ years, and i know as a consumer and a worker who maintain FDCPA laws, this is not what their practicing. And they should be reported or monitored on how they talk to the consumers or customers. They will not XXXX or have a business if they continue to use their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
I have XXXX mortgages with Ditech. I recently completed Chapter XXXX bankruptcy for a large number of my credit card debt. I was under this bankruptcy for 2.5 - 3 years. I completed this bankruptcy on XXXX XXXX, 2016. The bankruptcy sticker for XXXX of my mortgages with Ditech ( mortgage # XXXX ) was lifted and I was able to go online and get information about this mortgage and to receive an accounting for the past 3 years. My other mortgage XXXX # XXXX XXXX had the " bankruptcy '' sticker on it and I could not get any information on it without calling the bankruptcy department. I was also getting calls and letters from Ditech that I was delinquent on mortgage # XXXX ). My information showed I was not. After 2-3 months of calling and receiving delinquent notices between Ditech and myself, I discovered that the account with the " bankruptcy '' sticker had a BALANCE OF {$7000.00} IN UNAPPLIED FUNDS in it. After many, many more calls, I was finally able to get Ditech to transfer this balance of {$7000.00} ( which was just sitting there ) to my other account that Ditech said was delinquent. After getting this monumental transfer, I then began my quest to have Ditech remove the " bankrupt '' sticker from my other account. I have sent e-mails, ( attached ), letters ( attached ) and have placed many, many calls ( too many to track ) to Ditech about this. I can be reached at XXXX XXXX or XXXX to discuss. I hope someone at your bureau can help me to resolve my complaint with Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I have a dental account with XXXX, which is financed by Comenity Bank. In XX/XX/XXXX I contacted them and made a large payment of {$500.00} because I wanted to pay my account ahead a few months. This month I started receiving phone calls and text messages from them stating that my account was delinquent. I did not consent to text messages first of all. Second of all they will call me 4-6 times per day, and they will call me from several different phone numbers. Then they start calling and texting my husband on his phone. My husband is not on this account, and I have never given permission for him to be contacted. When I asked why they were calling him I was told that in the state of Nevada they are allowed to call my Spouse. After I paid the amount i was told I owed, I still received text messages telling me to call them. When I called them they were still trying to collect the payment I had already made 2 days earlier, and I told the customer service agent I was going to contact an attorney. I told him I wanted to talk to his supervisor he refused to transfer me until I gave him an attorneys name and phone number. I told him I was driving and was on my hands free device and could n't safely provide that information, he said he did n't care and still refused to transfer me. He said I should n't have called them if I was n't prepared to give them that information and he was n't going to transfer me. I told him they were harassing me, they were calling me and texting me over and over and over again about a debt I did n't owe, they were calling my husband who is n't on the account, they are texting me when I did n't ask or approve that and I wanted to speak to a supervisor and he still refused. They have since reported a late payment to my credit report and are refusing to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Best Buy CITI Card Member since XXXX. 
Debt protection ( XXXX ) charges of {$1400.00} since XXXX I canceled plan and ask for a refund in XX/XX/XXXX. Refunded {$37.00}. I have called 3 time since to request a refund that more fairly reflects the false charges for a service I have no recollection of signing up for. I have asked 3 times for proof that I signed up for this service when I became a member and they have not sent me anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
Multiple debt on medical bills the debt collector can not tell me dates or service or for whom

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
They are stating that I took a loan and keep sending me threats. I have continuously sent them a demand for proof and was just advised that I applied by an email. I have never applied or received any funds from ACE or its subsidiaries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a credit card that I use to collect reward points to put toward cruises. In XX/XX/2016 I cashed in XXXX points toward my prepaid gratuities on an upcoming cruise. The cruise line never received the funds for the gratuities. I have been trying to get this fixed since last XXXX. I have been told something different by every person I have spoken to. Twice I have been " escalated '' to management but no one from management will speak to me. Today I got an email from my cruise line that there was {$140.00} extra to pay on my cruise. When I questioned why I was told it was because this same credit card company has denied the points I have previously cashed in and demanded a refund from the cruise line. I received no communication from the credit card company about this. When I called my credit card company again I was escalated to management but have received no return call. I am now going to have to pay {$190.00} for gratuities that I should not have to plus another {$140.00} that I have already paid because of the credit card company. I have a case number of XXXX for my requests for the points to be returned.

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 non-monetary relief
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NPS GROUP
State: MD

Complaint narrative:
I received a Robo call from XXXX - upon picking up the phone, a pre recorded message said " Hello, this message is solely intended for ( My Name ) if you are not ( my name ) please disregard this message. Please call XXXX using Reference no. XXXX. Please press 1 to be connected to a representative. When pressing 1, the phone makes an outbound ring, and a operator picks up. Upon giving them the Reference no. they stated that I owed on a claim. Jokingly I stated - Claim..? What kind? Insurance claim? ... They stated No - a law suit and that the complainant wanted to settle out of court on a payday loan in the amount of {$510.00} - I stated that I have never taken out a payday loan.. They then began threatening court proceedings and that I could tell my story to the judge. - Now of course, I do n't and never have taken out a payday loan. After they hang up on you, they appear to block you from calling back. When I called the number back ( including changing the last XXXX digits of the XXXX number, the call goes directly to a voicemail answering service ). 

During the conversations, I asked who the origination complainant was ... They stated " XXXX '' - Prior to XXXX XXXX, when calling the number, Operators would answer as NPS then give a name ... After XXXX XXXX, the calls switched to foreign accents. The voicemail recordings state that the company is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: NPS GROUP
State: CA

Complaint narrative:
Man named XXXX XXXX from " the legal outsourcing department '' calls from # XXXX. Stating its in my best interest to call back, he has faxed my employer preliminary wage garnishment forms and spoke briefly with my supervisor ... If I do n't respond to item number XXXX, so they can obtain an official statement from me, they will report back to their client to initiate legal proceedings. Number to contact is XXXX. Stated in another message that there are XXXX complaints stemming from my checking account. Their office has been retained to review and prepare this file for litigation against my name and ss # with my local county ( he names my county. ) before such files can continue, we are required by federal, state as well as county law, to show we have made every attempt to contact you and afford you and opportunity to resolve the matter voluntarily ... He goes on and on reading what he 's supposed to ...

Company response to consumer: Untimely response
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstone Financial Services, Inc.
State: OH

Complaint narrative:
Mortgage Company ( FLAGSTAR ), We were engaged in the selling/short sell that change to a foreclosure without any apparent reason? We were not allowed to email and information and kept having to re-fax the same information over and over, until they stated it was too late? They always said " they never received the information and gave us numerous fax numbers. We sent the short sell contract to them, address changes ( divorce ) and kept showing and maintaining the property all the while. Next thing, we find a foreclosure notice, locks were changed on the home ( with furniture still inside ). The recovery company ( new locks ), kept sending the keys to some other address, then we got a Sheriff 's Sale notice. We 're not able to get our furniture and now, this is preventing me and my new wife from getting a loan. This was during a low point in my life ( divorce ) and I just did think anything could be done. Although, by the grace of XXXX our current mortgage told us about you and that I may be able to get some sort of justice. I am just trying to fix my credit and life. Please, let me know what can be done. I want it removed totally, if at all possible. 
XXXX Bless and thank you, so much in advance for whatever you can help us with. 
XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Disputed the following accounts with Equifax in which I either did not receive a response or the information was not updated to reflect correct information on my credit report. I filed a complaint with CFPB in which Equifax provided a response which did not reflect the correct information on my credit report. The following accounts were disputed - XXXX XXXX ; {$4400.00} ; CHARGE-OFF. ( Account Paid in Full ) Still on credit report after Equifax reported to CFPB that the account had been removed. ( See Attached ) - XXXX XXXX ( See Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Group
State: NH

Complaint narrative:
On XXXX/XXXX/XXXX I received back to back calls from ( XXXX ) XXXX & one call to my home. Voicemail was left by XXXX, stating that needed to verify address & employer so they could process their claim against me. Threatened to contact my references. Was told I could call ( XXXX ) XXXX, no other information was given. I could on XXXX/XXXX/XXXX & was told that they, Global Recovery Group, were trying collect on a Payday loan that I " applied '' for online & " received '' from XXXX XXXX XXXX in the amount of {$450.00} back on XXXX/XXXX/XXXX. I informed that that I never took out such a loan & never heard of this company. Insisted that because they have my email address that I did do it & just do n't remember the name because the online site was just how I applied. They also know my bank account number which has me nervous. Was given a website, openconsumer.info that allowed me to access my account with them using my claim # XXXX. It shows my SS # and address, but no date of birth or employer. it has a tab to view documents but no documents are there. I faxed bank statement with just deposits visible to prove no deposits were made in that amount at the time they say I took out such loan. I asked for verbal & written confirmation that the matter was resolved & was told that they could not do that. When I explained that all debts paid get proof, I was told I was being too technical. The website now shows inactive with a balance of {$620.00}. This has all the signs of a scam/fraud. The XXXX XXXX is warning consumers to be aware of scam debt collectors operating into south Louisiana. 

The XXXX has recently received several calls from concerned residents concerning at least XXXX variations of this type of scam over the last two weeks. 

The first scam involves scammers calling consumers and informing them they would be arrested by local law enforcement in the immediate future if they did not immediately remit payment for a payday loan they took out months or even years prior. 

In most cases, residents have never even taken out these loans, but the XXXX has received reports of people paying XXXX to avoid the possibility of arrest. 

These callers are also persistent and violate state and federal phone collection laws by calling at all hours of the day and night to home, cell and work numbers. 

Scammers do this in order to either annoy residents at home or embarrass innocent employees at their work place in order to pressure them into paying in order to stop the harassment and threat of possible job loss.

Company response to consumer: Untimely response