vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
My mortgage loan was transferred from PHH and I was n't notified. I do n't know who bought my loan or where to send my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
I have asked for proof of this debt twice and have been ignored by : Merchants Association Collection Division, INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Amount of debt : {$520.00} Date of Service : XXXX/XXXX/XXXX Provider of Service : XXXX XXXX XXXX To Whom It May Concern, I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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: Western Portfolio Assets
State: OH

Complaint narrative:
Well fist they keep calling my parents and they even called my other family members. I think that 's on the border line of harassment. They said them will sue which they are a debt collector which makes no sense. Also it 's not a debt anymore it 's just a bad investment. They also said I had a car loan which implying they will seize that really????

Company response to consumer: Closed
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Collection attempts still being made after chapter XXXX by this specific collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
I have had on going issue with Phh Mortgage They misapplied my XXXX XXXX 2015 house payment to principal only, I contacted them XXXX XXXX 2015 and they have not corrected the situation they did finally correct XXXX XXXX 2015 house payment but have now done the same with XXXX XXXX 2015 house payment I have several emails from there customer service members stating in writing that problems would be corrected ( which they have not ) as of today XXXX XXXX 2015 I received papers from PHH Mortgage stating they intend to start foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from ARA inc. they claimed that they bought the debt on a XXXX XXXX account in my name. I told them i have never had a XXXX XXXX and they told me i was lying and they had proof. They then read me every address Ive lived and all my employers from a copy of my credit report. They claimed that the address matched bills payed on the XXXX XXXX to my past addresses. They stated that they i have excellent credit, and i better pay up before they ruin it. They stated that they matched the signature of a truck i purchased in 2003 with the signature of the XXXX XXXX application. I requested proof of the debt, which they overnighted, showing a debt of {$11000.00}. I called XXXX XXXX with the account number they profived and they confirmed that the account was in collections to a XXXX XXXX with a different age social. I called ARA inc. back to inform them of the mistake and they told me i was lying, that again they have proof it is my debt and that they will be informing my creditors and employer of the outstanding debt. ARA Inc. have the details of the account which show that is not mine yet they got a copy of my credit report for the purpose defrauding, and harrassing me into paying a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Tate and Kirlin Assoc
State: CA

Complaint narrative:
Tate & Kirlin Associates ; XXXX XXXX XXXX, XXXX, PA XXXX XXXX, ( XXXX ) XXXX has sent me XXXX notices in the last several months trying to collect a bankrupted debt. I have thrown out countless other notices after sending them two letters concerning the Bankruptcy and all pertinent information. They do not care. They continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
This company has been repeatedly attempting to contact, me, my wife, and our extended family for a debt owed by a relative we have no contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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: Rhojo Enterprises, LLC
State: KY

Complaint narrative:
I am an XXXX XXXX service member. I was living in XXXX and had XXXX XXXX XXXX for telephone service. When I received orders to return to the XXXX, I notified my telephone provider that I needed to cancel service. I recently noticed that there is a debt from this company on my credit report. I contacted XXXX XXXX of Orion Recovery and asked that they verify the amount of the debt. They responded with documents that are in XXXX and could not explain these charges to me. I have explained to Orion Recovery that I do not believe the amount of the debt they are reporting is correct, but they have offered me no further assistance with this matter. I would like the amount of the debt verified and explained to me in a way that I can understand the charges. I truly believe that I am being charge more I owe. I can provided proof that I cancelled the contract and that Orion Recovery are including charges that were before and after my cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
ARA Collections has been calling me every 10 mins looking for my ex husband and I have told them I am not married to him nor do I need to receive calls from them. They called 10 times with an hour and a half. They are rude threatening and demanded I speak to my ex. This is un acceptable business practice. I called the number they gave me requested to be removed from the list immediately and they continue to call. 

These people are so rude, threatening and this is not acceptable. They need to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
I was issued a check from ez Corp. For a settlement agreement for XXXX but received the check after the date when I would have been able to cash it I have reached out and have been told by there corporate office they will not re issue the check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C.
State: OH

Complaint narrative:
I was contacted by mail and received XXXX of the same letters on the same day. 
This is regarding some type of collection matter with XXXX XXXX and I had never had an account with them. 
This notice is deceptive in the sense that it has the letterhead of the law firm Eltman Law P.C., however it continues state " no attorney in the firm has personally reviewed the particular circumstances of your account ''. I believe this law firm in in violation of several state and federal laws. Particularly the FDCPA, OCSPA, FCRA and possibly the TCPA should any fraudulent calls to my telephone be made since I listed it with this complaint. I have not received any documents bearing my signature and believe this is fraud. I would like to also put them on notice that I do not wish to be contacted except by mail. The letter also states that the firm has been retained, however no due diligence has been made by XXXX XXXX to determine the validity of the false demand for the collection of the so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Gatestone & Co. International Inc.
State: RI

Complaint narrative:
Gatestone & Co. International XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX REF # XXXX XXXX Collection agency made contact with my XXXX father before even making a phone call to me. They asked him if he was XXXX XXXX ( An Authorized Person ), he said no. They proceeded to release all of the details of the debt, ways to make payments, and how he ( My Father ) could help me pay. They then disclosed that I was on XXXX with my employer, that they had contacted XXXX of my previous employers inquiring about my work status. I called them back and they tried to tell me that my father had answered all of the " security questions '' right, like my social security number, Date of Birth, and address. My father does not know any of this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
I am a co-owner of my daughters car. started to pay {$100.00} every month and I could n't for two months I tried to tell him that I am working again and I will pay {$100.00} every two weeks until I get caught up. He tells me that he did n't feel like doing a paper check every two weeks and if I did n't pay the full amount that he would garnish my check. I got mad and told him that I was not going to XXXX take my money and I hung up. I am trying to pay and he wants all the last three months on the XXXX when I want to pay a {$100.00} every two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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: Brown and Joseph, Ltd
State: GA

Complaint narrative:
We have received 3 letters from Brown & Joseph for a debt we do not owe. I responded to the first letter with a fax and letter stating the debt was not ours and not to contact us again in regards to this debt. When we received the second letter, I sent a certified letter with a copy of the first letter and another letter stating not to contact us again. When we received the third letter, I called and left a message with XXXX at the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
debt oriiginated in XXXX with XXXX XXXX XXXX {$250.00} payment was falsly reported in XXXX still receiving collection notices from Mandarich Law Group in 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 2016-06-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: NV

Complaint narrative:
Representatives advised that she was taking a payment on XXXX/XXXX/16 And then sent me a document stating she had taken the payment today. When I called back advising she stated that she was not aware that she took it even though the paperwork clearly stated today 's date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
I had an x-ray done on my foot on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. My bill was submitted to insurance which paid a portion and the remaining balance was submitted to me. 

I paid the remaining balance with my XXXX card and was told that my account was cleared. 

On XXXX XXXX, XXXX, I get another bill from XXXX XXXX for the same balance. I call them and they look up my account number and confirm that yes indeed, my balance had been paid off and it seemed their billing department had not updated. They gave me a receipt number for my previous payment and assure me that bill will be notified immediately. 

On XXXX XXXX, XXXX, I get a 'final notice ' from XXXX XXXX XXXX to send my owed payment to a collection agency. It 's the same balance from last XXXX that they think is still owed. I immediately call back to contest. Again I am assured that billing had not updated. This time, I 'm even given an approval number from the billing department to prove that it has indeed cleared my account. Additionally, I am reassured that whatever system they have to send my balance to collections will also be canceled. 

On XXXX XXXX, XXXX, I get a letter from Continental Credit Control collections agent threatening my credit and demanding for my balance due from XXXX XXXX as well as an accrued interest. 

I am infuriated. It seems that nothing ever happened with my XXXX calls to XXXX XXXX. I would have been happy to pay the balance had there been a payment issue, but ever time, I am reassured my payment cleared.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
My mother had used my social security number to have electric turned on at her residence ( dates im unsure of ) between XXXX XXXX XX/XX/XXXX. I believe somewhere in this time frame is when the fraud had taken place. she did this XXXX separate times. I had NEVER given her permission to use my personal information for her home services. Now that i am married and have XXXX children and we are trying to clear our credit up and do the appropriate steps in order to eventually buy a house and start our life its impossible right now with all the debts i owe that were never because of me. she has made it impossible for me to have a bank account without having crazy stipulations. Also she has used my social at her place of employment for about 2-3 year so it looks like a worked there and then claimed my daughter in those 3 years on income tax. she was able to use my social because he has it memorized just like she has with all my other siblings. My sister is dealing with a few of the same things i am dealing with now due to my mother having stole and used her identify unlawfully. so moral of the story she has stolen my identity and has put a lot of debts into my name that i myself have never done.and now i am looking for help to resolve this issue. i have filed police reports and im trying to figure out where to go from there.a police officer has emailed me this link in order to start the process started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Bought a vecle from XXXX XXXX. They arranged financing with Ford Credit. Throughout the terms I was contacting the dealer and the finance company. Concerning the conditions of the car they sold to me. Payments were made and some missed. Ford Credit threatened to repossess the car. As an option I went to several of the local dealerships. None would approve a trade except XXXX. Who accepted the car and under appraised it 's value. The stuck me with the their car. There 's a complaint on file against XXXX XXXX as well. A review of my credit report shows Ford Credit charged the car off. That 's a lie. XXXX took the car and did n't report the trade for two months. As a part of this Ford Credit is liable for a Privacy Violation. Of which I am trying to find an attorney to take my case. It involves Ford Credit XXXX XXXX and XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I received a letter regarding an XXXX credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I received a credit report a saw that Progressive Mangement Services of XXXX XXXX, CA has reported a debt and trying to collect on it, I had advised them in the past the debt is old and and the statue of limitations in California is 4 years and can no longer collect on it, when it was reported to the credit agencies there is no account number attached. I did send them a email asking that they remove the 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 2015-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: ROYAL UNITED MORTGAGE LLC
State: CA

Complaint narrative:
I applied for a {$35000.00} Home Equity Loan. I told them my husband had XXXX andthat I have a Power of Attorney done through our lawyer at the very beginning. 
When we got to closing they insisted my husband had to sign the loan documents with the Notary. Once that was done I 'd have the money in my bank account on XXXX/XXXX/15. On XXXX/XXXX/2015 they called me and said the Notary was uncomfortable with my husband understanding what he was signing so the title company denied my loan. The only way I could get the loan was to get a letter from a doctor stating my husband understands what a home equity loan was and that he knew what he was signing. I told them he does n't know and no reputable doctor would do that. So I spent weeks on providing paperwork and was assured everything was fine for nothing and I have to start over again with another company. I needed the money to move as my husband 'XXXX two hours away. I just do n't understand when I worked so hard getting them every document they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief