vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
I was selling my dryer on XXXX and asking for {$110.00}. 
On XXXX XXXX, 2016, a person texted me and agreed to buy. She/he said a cashier check was sent to me with more than what I was asking for. I asked why. The scammer said it was meant to send to somebody else before it was sent to me in an error and asked me to return the difference. Then the scammer provided the information where the difference should have been sent to. I received a cashier check for {$1800.00} on XXXX XXXX. I went to my local Eastwest bank in XXXX XXXX in California to cash the check on XXXX XXXX. I considered I could get the money on the same day because it was a cashier check. However, the bank teller told me they had to withhold the check for 2 business days to verify if the check was good or not. On XXXX XXXX, the bank released the check and I got the cash for {$1800.00}. I deducted {$160.00} total from {$1800.00}, {$110.00} for the dryer and {$50.00} for the trouble. I sent the difference of {$1700.00} cash through XXXX in XXXX store. XXXX transactions were made to different scammers. Each got {$840.00} after the {$16.00} fee. 
On XXXX XXXX, I was checking my Eastwest bank account online and found out my bank balance was negative. The amount of {$1800.00} was deducted from my account. I called my bank immediately. I was told that cashier check was returned. They referred me to talk to my home branch. 
I spoke to my home branch manager in XXXX XXXX and was asking why I was responsible for the returned fraud check even under the supervision of 2 business days withholding policy in Eastwest bank. We had disagreements on the issue of responsibility of the bad check. The final answer was that I had to take the risk regardless. 
I do n't think it is fair for me to take the loss. It is not my fault. I am innocent. It is absolute bank 's negligence. I would have not cashed the check if the bank had stopped it. It is bank 's responsibility to tell me if the check was good or not with 2 days withholding. I am the victim of the scam. 
I am now asking the authority of the Eastwest bank to take further action to investigate the case. I want my money back.

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
Consumer complaint received 2016-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Account Control Technology, Inc.
State: NY

Complaint narrative:
The borrower, XXXX XXXX, had agreed to XXXX loans on behalf of his daughter, XXXX, and it would appear that payments were not made timely so the matter was referred to a third party debt collector, Account Control Technology , Inc. ( " ACT '' ). ACT has claimed that it has acted on behalf of XXXX XXXX XXXX XXXX XXXX, the creditor. ACT has more than doubled the debt by adding to the loan principal, without explanation, and adding a collection fee which equals more than XXXX third of the amount which XXXX XXXX has appeared to borrow. We have asked for substantiation and clarification, and received no response. Out letter to ACT, with exhibits, is annexed. 

Meanwhile, ACT has served a notice of garnishment upon XXXX XXXX 's employer based upon the inflated amount being demanded and ACT has ignored our demands to refrain from collection activity until we can clarify the matter, as requested. 

We are seeking your assistance since it would appear that ACT has unlawfully increased, perhaps doubled, the amount of any sum which XXXX XXXX has borrowed, and they are trying to use Federal Regulations to their advantage, to try and collect an amount which is not lawfully due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
Yes, I am a XXXX American on XXXX I graduated college XX/XX/2015. I have not been able to find a job pertaining to the degree I earned at the University I attended. I can not make my monthly payment to Sallie Mae. I tell the agents my problems and the only thing they tell me is to pay a XXXX to defer loans for one month. I recently check my loan status with Sallie Mae the deferment is not placed on my account. I 've asked several times based on my issues for a reduction in my monthly payment or term extension. My interest rate keeps changing I told me rate for Sallie Mae is a fixed rate not a adjustable rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I had a car on loan with Consumer Portfolio Services. After medical and subsequently financial reasons, I could no longer keep the car. In late XX/XX/XXXX, after continued harrassment and threatening calls from CPS to me, my parents and friends, I agreed to give up the car. I was paying CPS {$450.00} per month, which exceed the value of the car and loan amount. There were times when I was late, but was always able to catch up. CPS sold the car for approximately {$5400.00} ( which would indicate the mint condition of the car ). CPS starting contacting me, my parents and friends again stating that I now owed them {$8000.00} more. I finally ended up changing my telephone number, but my parents are still called with scare tactics as if they are personal friends of mine and something has happened. My mother has called several times worried until I was able to calm her down. I recently pulled my credit report and discovered that CPS is falsely showing that I was paying them {$47.00} per month in order to keep the account open. I am not able to purchase another car as my credit report reflects that CPS are still holding the account open four years after selling the car. I pray that something can be done regarding this matter. I appreciate your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: WA

Complaint narrative:
We are paying XXXX loans for my daughter - all of which were set up for automatic payment. We recently changed our bank, and had to change the automatic payments. From the Sallie Mae Website, I was unable to change the bank account information, so I called them. After a 10 minute wait, I reached a representative, who informed me that I had to first CANCEL the existing auto withdrawals, wait 3 business days for the cancellation, " wait an additional 3 days to just to be sure '' and then enter the NEW information. This caused us to be past due on XXXX of the XXXX loans ( XXXX did n't get cancelled - not sure if that was my mistake or Sallie Mae ). 
As a result, I have received a total of 9 calls from their " robot dialer '' - several on Sunday, when their " customer service '' was not even available. The accounts are now current ( paid today electronically on their web site ) ; but, I still ca n't set up the new automatic payment until the checks actually clear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
This usurper company has been harassing me about a debt that I do not owe. They keep calling and after I give them my name and date of birth, will not give me full disclosure and did not read to me the mini miranda as required through the FDCPA for the state or federal. They have obtain my private information without my express consent or authorized signature and are scaring me

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 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
my work phone ( XXXX ) XXXX has been called for more than XXXX times over the past 2 months ( average XXXX a day ) from XXXX, LOOKING FOR THE WRONG PERSON. I 've contacted them 3 times and they keep telling me my number is not on their calling list. But I keep receiving these automated calls as recent as this morning.

Company response to consumer: Closed
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I clearly indicated the debt was not mine and that I needed copies of the documentation to file the necessary police reports. I believe I am a victim of identity theft and wanted the evidence to provide to the police department. The collection agency refused to have the company that provided them the claim contact me, dispute the claim and remove it from my credit report.

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 2015-08-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Second Round Limited Partnership, Austin, TX Branch
State: NJ

Complaint narrative:
I noticed on my credit report that Second Round LLP has us in " collections '' XXXX from Second Round called me on XXXX/XXXX/15, i did not receive a letter, no verification when he called, he did have some personal information but not exact, he pulled our credit report w/o our consent. He was " fishing '' for info, during his call he THREATENED to take legal action if i did n't agree to pay. He said he would send a verification letter, he never did. He got very hostile when i questioned him. I never heard back until i saw them listed on our credit reports.

Company response to consumer: Closed
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: MNE Services, Inc
State: IN

Complaint narrative:
I have been receiving emails using a XXXX address from a XXXX XXXX claiming to be an attorney representing US Fast Cash XXXX threatening legal action up to and including prosecution if I do not pay an amount of {$950.00}. I have never had any dealings or even heard of this company. When I asked for the company phone number and address, XXXX XXXX failed to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Second Round Limited Partnership, Austin, TX Branch
State: IL

Complaint narrative:
A company called Second Round has placed a collection debt on my credit report that I do not owe. I requested that they provide me original debt paperwork, signatures, etc. and they have failed to do so. They did not respond within 30 days of my certified mailed letter nor have they responded as of yet ( it has been 90+ days since request ). In addition, I 've spoken to several representatives who continue to state that they will send me the information I 've been requesting, but they have failed to do so. I noticed that they have now placed an account on my credit report and is reporting it as Date Opened : XXXX2016 Reported Since : XXXX2016, Collection account, balance {$2100.00}. I have no knowledge of this debt/account and they have failed to provide original documentation of said debt being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: CO

Complaint narrative:
i have a payment arrangement set up with Kay Jewelers, we have been making reduced payments in accordance with the arrangement. we have been getting XXXX calls since XX/XX/2016 saying that we have not paid. this information is not true and has been verified with Kay jewelers every time we have spoken with them. Their phone dialer system has called my self and my wife a minute apart and we have spoken with them at the same time and have figured out that the nature of the calls is false. i have repeatedly informed them that if calls continue i will file harassment charges against them. today XXXX/XXXX/16 we have received 4 phone calls back to back from them after hanging up with a representative who has been informed that i am taking action against them

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts keeps sending me letters and has called me to collect on a debt that I had informed them over the phone and in writing that is not mine. Yet they keep sending me debt collection.= notices. They have also reported this to credit reporting agencies as a delinquent account and that has had an adverse impact on my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: PR

Complaint narrative:
The debt was paid, but its still appearing on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
This agency continues to call my home despite explaining I 'm not the person there 're looking to locate.

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
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GET A RATE LLC
State: NJ

Complaint narrative:
i was contacted by someone who came to my house. He promised to would get XXXX of equity of the house at closing if i paid him. i closed and got no money, i am now in a mortgage i cant afford - they lied about my income. i cant make payments and need to fix the apartments for tenants. lacking the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Collections Enterprise, Inc.
State: WV

Complaint narrative:
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. XXXX were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with XXXX and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: Stellar Recovery, Inc.
State: CT

Complaint narrative:
STELLAR RECOVERY INC Has place an account in collectection with XXXX, XXXX stating I Owe them {$400.00} dollars. I have never had a account with this company and only became aware of this debt when I received 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 2016-02-16 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: Stellar Recovery, Inc.
State: MD

Complaint narrative:
Stellar Recovery Inc listed a collection account on my credit reports which I have no knowledge of. I have no clue who this company is or what account they have listed on my credit reports. I have received no correspondence from this company regarding any account. They have fraudulently accessed my credit report, and I am disputing this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At XXXX I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier XXXXXXXX, XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XX/XX/2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XX/XX/2015.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
An outstanding bill from XXXX XXXX was sent to me in early XXXX - I was under the impression that XXXX had paid it. My employer intervened with XXXX to pay the bill, on my behalf to the XXXX clinic. The collections company is still trying to collect, although the bill was paid. In addition the collections agency hung up on my call, and was not reasonable during the call. 

ACEI is the debt collections agency

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 2016-12-20 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: Stellar Recovery, Inc.
State: CO

Complaint narrative:
I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: MI

Complaint narrative:
Problem-Garnishment of Funds by Blatt, Hasemiller, LeibskerXXXX & Moore LLC for a XXXX account that had been settled. 

The law firm of Blatt, Hasemiller, Leibsker & Moore LLC. BHLM garnished my income tax returns for an account that had been previously settled. I had already submitted the paperwork to them a few years back. After coming across that old documentation again, I re-submitted it to the law firm on today XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail stating that the firm did an investigation and can find no evidence that this account was ever settled or paid in full. I also was sent a copy of a Request and Writ For Garnishment ( Income Tax Refund/ Credit XXXX dated XX/XX/XXXX I never received. I do have a copy of the Request and Writ For Garnishment ( Income Tax Refund/ Credit ) that I had received and do n't understand why there are now two.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Immediate Credit Recovery
State: NY

Complaint narrative:
There a a student loan from 1986 i was only XXXX years old and I was n't even informed about this loan. I signed something that I was n't even sure what I was signing I do n't recall going to that school for a week.

Company response to consumer: Closed with explanation