vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
McCalla Raymer Leibert Pierce, LLC and PROF-2013-S3 XXXX, by XXXX, as Legal Title Trustee has engage in unfair practice by violating the FDCPA 1692f ( 6 ) ( a ) by sending a Notice of Foreclosure Sale date XX/XX/XXXX 

Taking or threatening to take any non - judicial action to effect dispossession of disablement of property if - there is no present right to possession of the property claimed as collateral through an enforceable security interest. 

McCalla Raymer Pierce , LLC a law firm who regularly engage in consumer debt collection, who litigates on behalf of its clients who principle purpose is debt collection qualifies as a third party debt collector as defined by the FDCPA 1692a ( 6 ). 
XXXX v, XXXX, 514 U.S. 291 ( XX/XX/XXXX ). 

The law firm was retained by clients that are not creditors or lenders, but are portfolio XXXX debt buyers / debt collectors who acquired defaulted loans after or has been discharged in bankruptcy, then regularly attempts to collect these debts, who principle purpose is debt collection. And who collect debt owed to another. 1692a ( 6 ). 

The law firm and their client has engaged in debt collection activity while attempting to enforce a security interest they do not own.15 U.S.C. 1692f ( 6 ) ( a ). 

They provided no verifiable proof of ownership as requested and no evidence of a chain of title proving possession of the original document that authorize the law firm to initiate a foreclosure action. 

McCalla Raymer Leibert Pierce, LLC was sent a written dispute letter within the 30 days as required by the 1692g. The law firm has violated 1692g ( b ) by failing to provide the verified documents as required under the under the ACT and initiated an unlawful foreclosure action while continuing to attempt to collect a debt. Birster v. America Home Mortgage Servicing XXXX Inc., 481 Fed. Appx.579 ( 11th Cir. XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services
State: OH

Complaint narrative:
According to XXXX at the US Department of Education Ombudsman group ( contact # XXXX ) I was to have available an option for Income Based Repayment at 5 % of my income. According to my loan provider ( ACS ), only a 10 % option is provided, which is not affordable for me or my family and has forced me into a forbearance period which I had hoped to avoid. Student loan providers should understand that charging someone $ XXXX a month is NOT an affordable option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: NY

Complaint narrative:
My account was in deferment ( I have a letter from them stating this ), however they have me showing 30, 60 & 90 days late. I have called them and they say it is accurate and will not fix it. This is not accurate and needs to be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CCS Collections is reporting a XXXX XXXX debt on my credit report. I do not owe any debt to XXXX. This is just harassment at this point. I have no involvement with CCS. I have no interest in their company policies or industry standards. There is no law requiring this account to be on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I just received a letter from Linebarger, Googan, Blair and Sampson LLC. I have tried numerous to do payment arrangements with the State of Illinois, I just went back to work in XX/XX/XXXX after being out of work for 5 months, then I tried to get through to the law firm but I am waiting on hold for several minutes, then automated system asked me to out to put in the reference number but I never get to speak to anyone. I should not be charged any collection fees, the State of Illinois also informed me in writing they would take my taxes which I am okay with but State of Illinois should be more willing to work with people. I was out of work and unemployment did not cover all of my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NAM National Arbitration and Mediation
State: WA

Complaint narrative:
I was contacted by ADR XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called XXXX XXXX XXXX. 

XXXX XXXX XXXX has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

ADR XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-26 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: Rossman & Co & PCB
State: OH

Complaint narrative:
Physicians Credit Bureau # XXXX I have XXXX unverified accounts from Physicians Credit Bureau. I had previously disputed this account. I have never done business with Physicians Credit BureauPursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Physicians Credit Bureau and I believe it is a HIPPA Act violation. I request that Physicians Credit Bureau Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Physicians Credit Bureau Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumbersXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Results Unlimited, Inc.
State: MD

Complaint narrative:
Good morning. On Saturday, XXXX XXXX, XXXX I attempted to withdraw money from my bank account at XXXX XXXX bank via ATM. The ATM screen notified me that I would not be able to complete the transaction and needed to call XXXX, when I did that I was informed that there was a lien against my account and I would need to call back on Monday, XXXX XXXX, XXXX to speak with someone from the legal department. 
I called this morning, XXXX XXXX, XXXX, at XXXX and the representative transferred me to Results Unlimited, Inc , a collection agency in XXXX , VA. I spoke with that representative and was told I owed {$3500.00} for monies owed for an apartment I never heard of, however, my name and social were used. I asked for any information on this to be faxed to me and I was told that I would have to call XXXX XXXX XXXX ( I was also never given a name for the representative at the collection agency ). 
I called XXXX XXXX XXXX and was told that the judgement was passed in XXXX. I asked how I would have been summoned and was told the Sheriff would have served me with the notice to appear. I lived aboard the XXXX XXXX XXXX XXXX at this time, however, and never received a summons. 
I then called the XXXX XXXX 's office and was told that if a member of the military is summonsed, the court would contact the command 's legal department and they would arrange for the XXXX to meet the Sheriff at the XXXX police station. That never happened, either. 
My bank account is still frozen, and I was told that it would remain frozen until the {$3500.00} is paid. I get direct deposit from my employment, as well as VA XXXX. Is this legal? What options do I have? This " judgement '' is not even appearing on my credit report. This will render me homeless!!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
Barclay 's Luxury Card offered a generous 0 % APR and zero fees, including waiving the {$990.00} annual fee, for XXXX military, for the duration of their XXXX. I, and many others I know, took advantage of this offer. My credit limit was steadily increased, unsolicited, and coupled with the 0 % interest, this encouraged carrying an ever-increasing balance. Now, a year later, Barclay 's is telling everyone they 've changed the policy and will now be charging the {$990.00} annual fee. For those of us who ran up balances for things like home repairs, it leaves us having to either find a way to quickly pay off large balances or pay the {$990.00} fee. This was deceptive of Barclay 's and feels like a predatory bait-and-switch scam to lure XXXX, if not XXXX, of servicemembers to be on the hook for recurring {$990.00} annual fees.

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 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
I had a medical from the billing company, XXXX, for an XXXX in XX/XX/XXXX. I had other services since and paid the bills. I was sent a letter from Valley Empire Collections of XXXX on XX/XX/XXXX, that I owed this amount which I thought I had paid directly to XXXX, so I did n't pay the bill. I never received another letter or correspondence from Valley Empire, that was verified by XXXX at the office on XX/XX/XXXX. I just realized I have a derogatory note on my credit which started my questioning what bill it was referencing. She stated they have called but it is their practice not to leave a message. I explained that if you do n't leave a message, how am I suppose to know to call and pay it. So when I received nothing further after the first letter, why would I pay something I do n't know is still outstanding. I even suggested a second notice notice to let people know they have been unable to reach me, but they do n't do that either. So my complaint is really that I was n't given notice this bill was still pending and the company did not notify me of that so I could pay it and clarify why I still owed it in the first place. I know some people would n't pay their bills regardless of notice but as I explained to them, the people that would, like me, who has no late payments on any thing for years, thought it was paid, just needed contact, a second letter, message regarding the bill, that in a year it would seem like a smarter way to do business. It was paid today, once I clarified what had happened, and gladly paid what I owed but would like it investigated because it now has hurt my credit score, which will cost me more money for possible 7years, just because I was n't notified that it was still outstanding. I explained you can leave a message if you know it was the correct household, which she verified they knew the phone was correct, because my answering machine says my last name. I just feel this was unfair and something I could have clarified if I knew. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
This debt is reporting falsely to my credit reports. After several requests for validation, it continues to be reported without being validated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans union states this was verified, really by who? The court told me they do not verify or validate this. So they are telln a fib. Therefore now I ask Trans-union to cease n desist their in-accurate reporting of this information. They know full well courts do not validate nor verify this information.

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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I contacted the Federal Trade Commission andIi learned that the best way to recover is to file an identity theft affidavit and a police report. I did this well ovr 60 days ago. Transunion slowed around for over 60 days in violation of the FCRA laws. They did not remove the bankruptcies and they stated that they verified them. When in fact, I have documentation from the bankruptcy court stating that they did not verify this information. I sent the letters to Transunion and they lied like they never received the documents. When after a long time I finally got a supervisor on the phone, they admitted they had the documents. I filed a complaint with the consumer proctection bureau after a 70 day wait and they asked for 60 MORE days. Please help as they are clearly flagrantly violating the FCRA laws. Please help me to get this matter resolved. 
I

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed a letter to Transunion explaining that upon reviewing my credit report, there was a bankruptcy reporting to my credit report. I had not filed bankruptcy and this was reporting negatively on my credit report and causing me to get turned down for a car loan. I received a response from TransUnion informing me that they verified this information when in fact they had not.

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 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been a victim of identity theft repeatedly over the last 10 years, including due to data breaches on XXXX XXXX, and XXXX, all of which revealed my name, address, dob, ssn, and place of employment. While the accounts that were fraudulently obtained were all removed, the inquiries from the more recent breaches have not been removed. 

I filed complaints over the phone, and in writing to TransUnion instructing to remove the inquiries. I was informed that they were removed on the phone, and logging into my TransUnion credit monitoring product shows that they are removed. However, I received no response to my written dispute of the inquiries. 

When I pulled my report today from a third party site, all of the inquiries, fraudulent or not, are there again. If I log into TU, it shows XXXX inquiries. Trying to obtain my free credit report through their dispute and annual portals results in no report, as it appears they have blocked me from accessing them through anything other than their credit monitoring tool.

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: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information. 
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 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: CA

Complaint narrative:
On XX/XX/2016 at XXXX I received a phone call from the phone number : XXXX requesting I call and speak to a representative with Balanced HealthCare Receivables. Upon returning the phone call I am notified for the first time of this debt and its advancement to the collections stage. I paid the debt via XXXX ending in XXXX on XX/XX/2016 for the full amount of the debt. I requested a receipt upon payment and was given a difficult time obtaining a receipt. During this initial and first contact about this debt, I informed the collection agency about my new location in California, not Florida, and was required to provide a Billing Zip Code for my Credit Card. Which would notify the collection agency of my relocation, even further. This reasoning is supported by the following statement that is verbally given during every phone call and on every letterhead from the collection agency : " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' Therefore, the collection agency has no reason to deny their knowledge of the " local time at the consumers ' location ; '' pursuant to Section 805.1 of the FDCPA. 

XX/XX/XXXX, after much consideration and receipt of the pay-in-full letter, with a plethora of grammatical and numerical errors, I decided that this debt is illegitimate and disputed it with my credit card company. I believe that Balanced Healthcare Receivables is not a professional entity, nor a financial regulation abiding organization. 

On XX/XX/2016 I, XXXX XXXX, received a phone call from the telephone number : XXXX at the time of XXXX PDT, which translates to XXXX EDT and covers all United States Time Zones in accordance with Section 1 for a call being placed at that time as " unusual ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Niagara Capital Recovery LLC
State: TX

Complaint narrative:
This company called my grandmother ( who lives in XXXX XXXX ) regarding my debt and told her that there was legal action against me. they would not disclose their name to her. When I called the number back ( XXXX ) to ask them to not contact her, they told me that they are called Niagra Capital and that they have a legal case against me. they would not disclose the original debt or why they are calling me r my grandmother, who has no connection to my finances.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 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: Jomax, LLC
State: FL

Complaint narrative:
It was in XX/XX/XXXX XXXX recovery put me in collection for an account business LLC his name isXXXX XXXX started on XX/XX/XXXX and closed out onXX/XX/XXXX. 
Jomax recovery keep going down my reporting in collection

Company response to consumer: Untimely response