vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence RM is trying to get money for a supposed debt never handed over to them. They have my personal information and are after my SSN. It 's a scam. On XXXX/XXXX/2017, I received a call from a local XXXX, GA number, XXXX. The caller claimed to be trying to collect a debt on behalf of their client, XXXX. As I knew that my insurance had paid XXXX in full almost 6 months ago, I got off the phone and called XXXX directly. I found out from them that their records indicated they were paid in full, that the account had been closed for nearly 6 months, and that the account had never been turned over to a collection agency as it was paid promptly and in full. 

So, I Googled the phone number that I had received the collection call from and found Credence Resource Management LLC. I called Credence directly to try to clear up the matter, but was told they could n't look me up without my Social Security Number, which I was not going to give them, as they had already confirmed my name, phone number, and address, which would be more than sufficient to look up my account. I got off the phone and did some additional research on Google and discovered that Credence RM has a track record for calling from local numbers, never leaving messages, and for being a scammer. As I had been receiving calls from different local numbers recently, I decided to Google those numbers as well, and sure enough, they traced back to Credence RM. 

As my " debt '' does n't exist, and my information was never given to Credence RM, I 'm strongly of the belief that this company is illegally operating to scam people out of their money by illicitly obtaining confidential information, masquerading as a collection agency, and scaring people into giving them money and additional personal information that can be used to steal their identity ( such as SSNs ). It 's alarming to me that Credence RM has information regarding my previous medical treatment, that was not given to them by any of the involved parties ; it begs the question, " how did they get it? ". Given the numerous complaints against this company here on the CFPB, and on Google, I think this company should be investigated for illegal practices and scamming.

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 2016-11-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: GA

Complaint narrative:
I have paid this debt over and over again for the past XXXX years because the credit agency ruins my credit when I do n't. This is criminal! I have ALREADY PAID THIS DEBT XXXX times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I mailed payments and paid my medical bills online & this company continues to call me after I 've completely paid this bill.

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 2017-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We submitted for a loan modification and every day we asked if there was a sale date. Just last week we were told that there was a foreclosure sale date on on XX/XX/XXXX 2017. We have to work with an assigned loss mitigation representative at Shellpoint mortgage and her name is XXXX XXXX which is never in the office. We have been submitting the same document ( Annual HOA bill ) for weeks and now she says it does n't state if it annual but clearly at the bottom of the page it does. Everyone we talked to said it met the requirement and were very helpful with what they thought we should do so we did all of it. All the paper work has been sitting in the office and XXXX XXXX is fully aware of the sale date and we are going to lose our home because she is n't in the office. There is a complete loss mitigation package everything and more in the office and she is n't in to review the package. We have offered to do a repayment plan or even a forbearance plan but were told it would take too long to get the figures from the attorney, however we have been saying we would go that route for two weeks. We are willing to do what ever it takes to save our home. We have not received any documents from Shellpoint mortgage in regards to missing documents what 's require we were even told to XXXX the HMDA paperwork to find it online. No ten day letters, no incomplete package letters, absolutely nothing. We just want a chance to save our home we are employed and can afford our mortgage we just got behind because of circumstances we could not control. We have resolved everything and are more than willing to do what ever we need to do. Please we need help to save our home or someone to listen and do what it is that needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
XX/XX/XXXX, I received a mail from a debt collecting agency " Linebarger Goggan Blair & Sampson , LLP " ( LGBS ) stating that I owe them a debt of {$150.00} from XXXX XXXX ( XXXX ). After investigating, I realized that it was a toll charging company. I was skeptical about {$150.00} for a toll. After confirming that I had paid my toll bills, I called LGBS call center stating that I never received a bill from XXXX, and I 'd like some proof that this was n't a scam. After a harassing conversation, the LGBS representative stated that they ca n't give me any info on behalf of XXXX, but said that debt was real and had to be paid. She said if I needed any more info, other than the split for the amount, LGBS was n't the agency responsible to give. So, I called XXXX thereafter. After a polite conversation with the customer representative, I told them that all my toll bills were paid in full. However, XXXX representative insisted that they had sent me four separate mails. Since I had requested for paperless bills, I informed them that this had to be a mistake. The XXXX representative later confirmed my charges and informed that since I had changed my vehicle registration ( Moving from XXXX to XXXX ), a new account had been created, and the bill was automatically sent to the residence due to the lack of email id. Being an international student, and visiting home country for months, I do lose mail. So, with the XXXX representative 's help, I tracked the mail from the post office and confirmed that it was indeed my toll bill dating back to XXXX XXXX. There were XXXX toll charges each with regular toll fee, process fee, late fee and mailing fee totaling to {$35.00} sent on XXXX/XXXX/XXXX due on XXXX/XXXX/XXXX. I informed the XXXX representative that this is only one fourth of the amount I am being asked to pay. She informed that she has no control over the amount once it goes to the collection agency. 
I called back LGBS and informed them how can the fee be so high. As before the representative was very rude, and informed me that this is the fee and I have to pay it. I asked the representative the procedure to obtain a split for the fee. I asked her if I delay my payments any further would they charge me additional fee. The representative stated and I quote- " How would I know. If XXXX asks more, you pay more, if they say the same you pay the same. I am not responsible for your payment, I am here to collect it. '' I paid the full amount and am faxing a request to provide me a copy of the charges. I also reviewed online that I am not the only one harassed by LGBS. XXXX and LGBS together have done this to several people. A simple google search provides examples.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MI

Complaint narrative:
I received a letter from STONELEIGH Recovery Associates claiming I have an unpaid debt of {$250.00} at XXXX XXXX Hospital XXXX in XXXX, XXXX. I live in XXXX and have never been to a hospital in XXXX, so this is obviously not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: PA

Complaint narrative:
Call/message received from Stoneleigh Recovery XX/XX/XXXX/XX/XX/XXXX. I called back and left message to not call me and all communication must be by mail. I also asked for proof the company was licensed to do business in PA. That certificate was received by letter dated XX/XX/XXXX and signed by XXXX XXXX , Director of Compliance. I received another phone call from Stoneleigh Recovery on XX/XX/XXXX and again advised the representative ( again on a recorded line ) to not call me. I then received another phone call from Stoneleigh on XX/XX/XXXX and told the representative to not call me. He informed me that he saw my do not call request noted in my account from the previous call they made to me on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collins Asset Group, LLC
State: CA

Complaint narrative:
Called, left no voice messageUnknown Caller

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: OK

Complaint narrative:
On XXXX XXXX, XXXX, I received a correspondence from Linebarger Goggan Blair & Sampson , LLP, indicating my vehicle was in " numerous '' XXXX. This matter was allegedly forward to the referenced firm for collections after no response was received. I never received any correspondence from XXXX XXXX XXXX XXXX XXXX regarding violations ; therefore, I can not be in violation of no response. The correspondence from " Attorneys Office '' threatens fines and additional fees if I did not pay an amount of {$79.00}. In response, I sent a letter dated XXXX XXXX, XXXX, disputing the alleged debt. Letter was delivered XXXX XXXX, XXXX, per USPS tracking XXXX. No response has been received from this alleged collection company/law firm. I want proof of this violation, proof the original letter was sent to me, an accounting of the violation fees and costs, and proof Linebarger is licensed to collect a debt in XXXX. This letter is harassing and full of lies. When you search this " firm '' online, all that is found is complaints everywhere. I do n't even recall ever driving on any tolls in XXXX. I want the CFPB to investigate the shady and false collection tactics that are going on here. I want a response from the this " firm, '' and I want justice for the stress that this matter has caused my family and I. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have had several problems with shellpoint mortgage servicing as you probably hear from consumers on a daily basis since it is the WORST Mortgage company ever for customer service. I have been getting foreclosure letters from Shellpoint and are working with NCHFA ( XXXX housing finance agency ) to get assistance ( medical/decrease in work hardship ) however time is running out and I requested last week ( via shellpoint rep XXXX XXXX ) to know what is my balance and he said that he did not know as they were going to have to order a copy of the Attorneys fees and charges even though my loan has no official " projected foreclosure sale date '' as I was told by this customer service rep. and that it would take 24 hours to fax me a copy of the attorneys fees to my fax machine at my desk ( XXXX XXXX ). Today makes 4 days and the copy of the attorneys fees has not shown up so I called the " only '' number for Shellpoint ( I reached loss mitigation dept. ) and a representative said she was connecting me to the foreclosure dept in XXXX, and some Rude Rep answered the phone, did not say his name, did not identify he was working for shellpoint servicing and said he did understand what I was requesting and asked me to repeat myself, when I repeated myself he said " you know what hold on and hung up the phone on me '' Outrageous customer service!!! I called back to the only number shellpoint has and spoke to one of the reps who keeps trying to get me to speak to another Rep in loss mitigation ( XXXX XXXX ), and I told her I DO NOT want to speak to XXXX XXXX ( this company acts as though XXXX XXXX is the only person working for Shellpoint ) and if I waited for XXXX XXXX to return any of my calls I would be in full foreclosure from waiting. I asked to speak to someone in charge and/or to connect me to the foreclosure dept and the rep just keeps trying to get me to speak to XXXX XXXX, so I ended the call. So in getting the run around from this company, time is running out and it appears that I am being forced into foreclosure sale, which is what I believe this company keeps acting like they want me to do because they keep stalling, please assist me in getting the total cost needed to bring my account current. Thankyou

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I owned a house that was in foreclosure on 2012, now a Shellpoint Mortgage Servicing is sending me papers for loan modification, homeowners insurance and tax documents on the house that another bank owns. I send them a copy of the Certificate of Sale for the property and I asked them why they contact me and I still no answers. property address XXXX XXXX XXXX XXXX FL XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I TOOK OUT A PAYDAY LOAN WITH ADVANCE FINANCIAL OF TN FOR AT OR AROUND XXXX DOLLARS. I WAS GIVEN A SHORT FORM STATING MY MINIMUM BALANCE EVERY TWO WEEKS WAS XXXX DOLLARS AND SOME CHANGE, AND GIVEN ANOTHER LOAN PAY AMOUNT OF XXXX DOLLARS AND SOME CHANGE. HOWEVER, AFTER OVER XXXX DOLLARS LATER I CHECK TO SEE WHAT I OLD AND THEY STATED MORE THAN I TOOK OUT. I WAS TOLD THAT IT WAS A 275 % INTEREST RATE ATTACHED TO IT, AND THAT I WAS ONLY PAYING THE INTEREST NOT THE PRINCIPAL. THIS WAS NOT EXPLAINED TO ME AT THE SIGNING OF THE LOAN, NOR ON ANY PAPER WORK I SIGNED. I WOULD NOT EVER TAKE OUT A LOAN THAT I WOULD HAVE TO PAY 275 %. ME BEING IN THE MILITARY I WOULD NOT DARE TO SIGN SUCH A THING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SECURITY CREDIT SYSTEMS INC
State: MI

Complaint narrative:
I was on a payment plan with this agency for a debt and they wanted me to pay more and repeated called and repeated told me what a loser I was because I could pay more than what I was ( I was and am unemployed ). They then just stopped taking my auto payments and continue to call and send letters. I have asked then not to contact me via phone repeatedly and wrote letters requesting my original payment plan. They ignore it and keep sending me the same letter saying I have ignored them. If I would have been on my payment plan from when they stopped it this debt would be paid. I can even put into words how upsetting this has been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MI

Complaint narrative:
This account reported on my credit report and I have no idea even it 's my account due to lack of communication I have not received and correspondence by mail or phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Advanced Financial XXXX, TENNESSEE Issues : 1 - Charged fees or interest I did n't expect 2 - Ca n't stop lender from charging my bank account I 'm just VERY dissatisfied with their business practices with the XXXX and auto taking my payment 's when I 'm not set up for auto pay - customer service rep verified I was NOT set up as Auto Pay When I first got help from customer service due to my financial situation ( unemployed ) I was under the impression they were going to suspend the interest so what money I could pay at the time would take down the principle balance. As well as keep my account out of collections. I made reduced payments and it still went to interest with just a fraction going towards my principle.. My principle has only gone down about {$20.00} and I 've paid hundred 's of dollars over the past few months and I have not and refuse to not take any more money from this line of credit again. 

The other day ( XX/XX/XXXX ) They automatically took {$230.00} from my account the other day and as stated above I am verified as not on auto pay. On XX/XX/XXXX they auto pulled {$97.00} XXXX CST then another hour later they auto pulled again {$130.00} at XXXX. I had also just paid {$50.00} online about 2 weeks before. 

My account is behind but they know that due to my situation. 
They are kind of hard to deal with. I want the money they took from me back as I do n't think they have the right to auto pull payments if I 'm not set up and did n't give them permission to do so. 

The XXXX is predatory lending. They do n't explain the process and before you know it you are swimming in debt that does n't go down and they feel they are at liberty to take what they want. 

We can only work and make money so fast to keep up, and when they auto take money, it takes from being able to cover basic needs. 

VERY upset with this place, regret borrowing from them. I want resolution to my account. 

If you want any account and balance information please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Universal Credit Services, Inc
State: MI

Complaint narrative:
I tried, as directed on the FTC site, to send them a letter asking them to stop contacting me ... Sent it by certified mail as directed ... but they refused delivery..last person I contacted on the phone about this " debt '' told me they had no record of it ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: LA

Complaint narrative:
TeleCheck declined a check written to XXXX XXXX on XXXX XXXX, 2016 there was no reason for decline since my account had the funds necessary for the purchase. They now want be to send them an extra {$25.00} fee. TRS Recovery sent me a letter stating that telecheck has purchased the dishonored electronic fund transfer. They want me to pay with a debit card now. I have not been able to talk to a person but I faxed them my response to this fraud.

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: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I have sent several letters to the City of XXXX and Collection Bureau of America on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as of today they have not responded. After looking at the debit it was reported XXXX/XXXX/XXXX the statue of limitations has lapse. Please contact all credit bureaus to have removed from all reports.

Company response to consumer: Closed