vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
The debt commonwealth financial systems is trying to collect is from a XXXX case. I have informed them that it is not mine and that my company is the one that owes anyone if there is a bill. They said its not their problem and put it on my credit. Please help me get this off my credit and make these people leave me alone with fraudulent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Collection Bureau of America is charging me for an account that was already resolved. I have no idea what this bill is that they are sending me for {$420.00}. This is inaccurate and needs to be resolved.

Company response to consumer: Closed
Consumer complaint received 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: First Data Corporation
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: AZ

Complaint narrative:
MY name is XXXX XXXX XXXX. I work for XXXX XXXX since XXXX. At the beginning of my employment, XXXX deposit my paycheck with the ADP Bank before my personal account was set up. After the personal account was established with the XXXX XXXX Bank, XXXX XXXX direct all the new deposit to the new account. ADP bank closed my account on XXXX without notification to XXXX or to me.the account remain in it over {$2500.00}. On XX/XX/XXXX, I received an old letter dated XX/XX/XXXX was forward to me through the post office from ADP bank saying the account is closed. I contact ADP bank more than XXXX times every time I call they ask me for the new address. I had to speak with XXXX supervisor for the same issue. they promise to send me a check, but never happened. they do not want to release my money. on XX/XX/XXXX the XXXX payroll personal ( XXXX ) called the ADP and I was on the XXXX line with them, XXXX ask them to send me a check with the remaining amount. the ADP promised to send me a check within 3-5 business day, but never happened. XXXX ( XXXX payroll personel ) Ph # is XXXX. 
My ADP Acc Debit # XXXX. ADP ph # XXXX. 
AM asking you in my behalf to speak with ADP to release my money. it is urgent. I need to pay my mortgage and other bills. thanks. if you have question please call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Collection Bureau of America Ltd.
State: LA

Complaint narrative:
There is not an option to choose for what it is that I am filing this complaint about. I disputed this account twice and and when I called to remove the dispute verbiage on the account telling them I no longer dispueted the information, XXXX and XXXX removed the comments within 3 days, XXXX however, stated that because the company had placed the verbiage on this account that it could take up to 30 days to have this done and they recommended that I call the collection agency and request for them to remove the verbiage from my report. When I called them on XXXX at XXXX Central Standard time, I spoke with a lady named XXXX. I asked her what the procedure was to remove these comments, and she stated that unless I paid the debt, that the comments would remain on my credit until it was paid in full. i know that this is illegal.

Company response to consumer: Closed
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: SECURITY CREDIT SYSTEMS INC
State: CA

Complaint narrative:
I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/XXXX2016 place for deposit by them on XXXX/XXXX/2016. XXXX XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
Retrieval Masters has contacted me repeatedly over the past 6 months attempting to collect a debt they say I owe. Each time they have sent me a letter or called me I have asked them to provide evidence and proof the debt is mine. They have responded three different times they will do so, however they have not provided evidence even once. I believe this company is a fraud and scammers and the debt does not exist as they have not been able to provide one single piece of evidence showing the debt is actually real and legitimate. I would like this company to immediately stop contacting me as they are trying to steal money as this debt is not valid. There should be a governing body that fines harassing and illegitimate companies such as Retrieval Masters. If my credit is effected by this scam company I should receive restitution ( I will seek legal council in this matter ) and they should be barred from contacting any consumer. Their practices should be heavily reviewed because they are in fact breaking the law by ignoring my right to have them provide evidence before contacting me again and refusing that request and have become more harassing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PROFICIO FINANCIAL SERVICES, LLC
State: NV

Complaint narrative:
On XXXX/XXXX/2015 I spoke to XXXX XXXX and paid off XXXX invoices that XXXX had past due. At that time I let him know that I thought it was a XXXX month contract and that I would be contacting XXXX to go over the invoices since we did n't use their services for XXXX and XXXX. I left a message for XXXX XXXX to return my call to discuss. On XXXX/XXXX/2015 I received another e-mail from XXXX with an email letting me know that it was XXXX months and I informed him again at that time that I was still going to fight it since we have n't used the service. 
He then proceeded to send me a hostile email that was rude and unprofessional. Once I read it I called him and asked him why he was so rude and unprofessional in the email. I let him know that I was contacting the company and trying to get it squared away. He just laughed and said he didnt give a XXXX!! Was screaming and yelling at me and then said he turn us into XXXX and XXXX. As you can see in the email his tone, rudeness and tactics of trying to intimidate. 
He should be shut down or fined for his behavior. If this is how he is threating people and companies I would never want this company working for me or anyone else I know

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
Received several phone calls at home around XXXX-XXXX. Upon answering, the caller just hangs up. This morning, I called the number shown on Caller ID ( XXXX, no area code ), and a woman named XXXX ( refused last name ) said she was from American Medical Collection Agency and was calling due to an outstanding bill for my husband ( XXXX ) from XXXX XXXX on XX/XX/XXXX. She wanted a payment today, and I said we have full insurance coverage and this should have been paid by insurance. She said it was not, and she said this will " hit '' his credit if it was not paid today. I said I have never received any written notice of this debt, and she said if I would provide my email, she would email the notice. I said since I do not know who you are, I am not providing an email to you and you need to send written notice of this debt to my mailing address - of which she had. She again said that this would " hit '' his credit report if I did not agree to payment arrangements today. I said send it to me in writing, and I will send it to my insurance company for review. I also told her about the timing of the calls, as well that they were just hang-ups without any person on the line, and she said she would notify her company. I informed her to cease and desist with all calls before XXXX my time. When I requested her company information, she provided the following : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX NY 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 2016-10-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
Collection was paid to XXXX. I disputes on XXXX and still listed as open and no remarks about it being paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: Data Line Credit Corp
State: CA

Complaint narrative:
I contacted the company, and explained i dont have any cars but XXXX in my name from 1999. He called me some names and kept yelling pay your bills. I told him about some fraud on my credit and some identity theft. But he said pay your debt. I stated sir this is not my car. Asked him to ssubmit something so i can take to dmv so he can take this off. He just sent a letter asking for money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through XXXX XXXX who was my lender in XXXX/XXXX/2012. After the repossession XXXX did n't follow Texas Repossession Law. I asked NCB Management Services Incorporated to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked NCB Management Services Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for NCB Management Incorporated to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I ma providing a audio recording of the conversation with NCB Management Services Inc and my Personal Financial coach XXXX XXXX. In which they claim they do n't have to prove anything to the consumer that their collection efforts are valid. That is not true by the FDCPA, Fair Debt Collection Practice Act in which we have the attachments they needed to prove to me that their efforts as a collection company is fair to the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
My home mortgage was transferred from XXXX XXXX Mortgage Loan no. XXXX to Astoria Federal Savings XX/XX/XXXX. The release of lien document from XXXX XXXX Mortgage XXXX XXXX XXXX was never sent and recorded at the XXXX XXXX recorder 's office where the property is located. Therefore 16 years later XXXX 's name still appears on the title to my home. 
XXXX filed for bankruptcy XX/XX/XXXX and was acquired by XXXX XXXX which was then bought over by XXXX. Astoria Bank has attempted to trace this missing assignment ( release of lien or mortgage satisfaction document ), but have be unable to do so. 
I have spoken to my land records department here in XXXX XXXX NY where my home is located. They have suggested that Astoria bank file an Affidavit of Lost Assignment with the XXXX recorder 's office since they were unable to locate the missing assignment. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ph XXXX XXXX XXXX. So far, Astoria bank has refused to file the affidavit citing they are not authorized to do so. They have collected my mortgage payments for the last 16 years without every informing me that there was an issue with recording the mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
I 've requested debt Validtionfrom JH Portfolio Equity and they provided me with a letterhead and XXXX page billing statement. Actually it was the wrong address for XXXX XXXX I 've been a XXXX resident all my life. I demand that the validation be is n't he form of a notarized statement by a person with original knowledge for he debt as it was constituted and who can testify that the debts as incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was utilized as a profit-loss tax deduction during the period it may have been payable. I 'm not requesting that you have my mailing address : rather I am requesting validation, i.e., competent evidence that I had some contractual obligation minus consumer protection encumbrance which incurred the original claims associated with this tradeline. Also attach a copying any agreement that bears the signature of the alleged debtor which gave rise to the original agreement.

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 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: PMAB,LLC
State: SC

Complaint narrative:
I believe I am being billed for a XXXX by XXXX XXXX XXXX in error. I sent written correspondence to their main office stating why I believe the debt to be erroneous. In this letter I also stated that I do not want to be contacted via the phone regarding the debt, and if this appears on my credit score it is to be marked disputed ( referencing the Fair Debt Collection Practices act ) I received written confirmation back from the Hospital that they would honor this. However, when this debt went to collections, I have now received more than 10 phone calls to my phone, despite having instructed them to stop. 

This is all for a supposed ~ {$400.00} debt ( that I believe I do not know )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 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: RGS Financial, Inc.
State: TX

Complaint narrative:
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
case # XXXX Shellpoint Mortgage sent the power of attorney from the wrong company. It should have been XXXX XXXX not XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
COLLECTOR CALLING ALL FAMILY MEMBERS AT WORK, CELL AND HOME IN VIOLATION OF TCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JH Portfolio Debt Equities, LLC
State: VA

Complaint narrative:
JH PORTFOLIO DEBT EQ, XXXX XXXX XXXX XXXX XXXX XXXX, MO-XXXX ( XXXX ) XXXX Is reporting an account that has not been validated. I 've sent a few letters and can not get them cooperate with me. I have even offered to pay a lower amount for the sake of saving time and to ease the troubles of all parties involved. Since this company is unwilling to cooperate and can not prove that I legally owe this alleged debt to their collection company, I am requesting formal relief and that they quit reporting erroneous information to credit agencies.

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 2016-07-09 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
What happened was that I received a bill in my name and p.o. address that I should not have received, but received anyway. The bill amount was for {$320.00}, and was from an account for a cable company ( XXXX ), the account had closed on XXXX of 2015. When I called the debt collector to rectify the issue the manager had asked me if I lived in a certain address in XXXX XXXX, I gave them an emphatic ''NO ''. When he asked if I knew the person of the address I told him that it is MY MOTHER 'S address. At this point I believe she purposely used my name ( WITHOUT MY PERMISSION ) to incur a debt that I do not intend to pay and will not pay. I have never owned cable nor started an account in my entire, nor do I intend to ... .ever. Also this will affect my credit score even more so now than before. I believe this is a form of identity-theft, and I want it stopped A.S.A.P.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: PMAB,LLC
State: NC

Complaint narrative:
I have received numerous calls within a XXXX week period attempting to collect a debt I have been making payments on based on my available finances. 
PMAB called on the following dates and times:XX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXXX/XX/XXXX/2015 at XXXX XXXXI advised XXXX when I called on XXXX/XXXX/2015 to cease and desist all communications as this was bordering on harassment and I was told they would not stop communications unless I submitted it in writing. I faxed them a cease and desist letter and then mailed it to them. I have a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief