vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
I have valid Health Insurance include family covered under my insurance. My spouse went to Local XXXX XXXX for routine blood work get done as script written by Doctor on XXXX/XXXX/XXXX and done successfully. but later we received bill from XXXX collection agency for amount of {$550.00} and found that Insurance company denied claim based on wrong diagnosis code. So I called them and made conference call between XXXX, Doctor 's Office and Us to change diagnosis code in order pay by Insurance company, since then XXXX submit claim again with same diagnosis code and Insurance company denied claim again and we received XXXX collection Notice again then I contact again but diagnostic code must be change from doctor office nothing my part to do something that insurance co. make payment. As per our Health Insurance company Lab service is 100 % covered and XXXX is Preferred Provider on Insurance book. Recently I got called on my cell phone on XXXX XXXX, XXXX from another collection agency named AMCA ( American Medical Collection agency ) even I did not receive any notice in the mail when they call me on my cell and ask for My spouse laboratory bill in amount of {$550.00} You ( I am ) responsible because Insurance contract on my name and my spouse covered under my insurence. after long discussion representative transfer to supervisor and he told like this " If you did not pay this amount we will report to Credit Reporting Agency. '' even debt is on spouse name, thus I am victim of debt and supervisor said Insurance is under your name. After the end of conversation I called my Insurance company and explain situation and matter then Insurance representative called doctor office, XXXX while put me on hold. finally root cause of problem that something must be done through doctor 's office in order to pay this bill and as of now may under processing. I told to insurence representative that I received phone call from collection agency ( AMCA ) then she called AMCA and talked to collection representative. so conclusion is why I am responsible when medical debt is another member in family and they threatened me to report on my credit file something I did not did wrong. Please investigate this matter and find who is at fault make steep punishment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
Hi, I would like submit a complaint about a Dept collector trying to collect a Debt I never authorized this is a Fraudulent dept. Original account holder has no record of me authorizing this charge. I never authorized this charge. American Medical Collection Agency continues to attempt to collect a Debt that was not Authorized by Me. 
They have sent me threat letters stating they are going to put it on my credit report, again I did not authorized this Debt charge. Please have this collector stop Harassing me. with letters and calls and have the Debt collector remove the account from my Credit Files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WA

Complaint narrative:
I filed complaint # XXXX and have not heard anything from you or the original creditor. Now it has been turned over to a collection agency and I want to file an additional complaint for the same debt against American Medical Collection Agency for continuing to try and collect a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 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: First Credit Services Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state in XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by XXXX XXXX, the financial company for XXXX XXXX. I also mailed a copy of my XXXX ID and a letter expressing my wish to cancel by certified mail as they requested. XXXX XXXX continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my XXXX ID was not readable, and therefore they could not cancel my membership! In XX/XX/XXXX, I received a notice from a collection agency called First Credit Services, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: AL

Complaint narrative:
I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 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: The CMI Group, Inc.
State: FL

Complaint narrative:
I moved out of XXXX 's service area and they say I owe them an early termination fee. They say I broke the terms of their contract and charged me a {$170.00} fee for that. I asked them if they would move my service to my new address, they said they could n't and would disconnect my service for me, but could not reconnect. I received a bill stating I had a credit of {$47.00} that was owed me. Next month I got a bill with the early termination fee and it used my credit towards that. I called and they said they would issue my refund check in about two weeks. Next month I received another bill for the balance of the early termination fee. I called again to complain to XXXX. I was cut off twice. I filed a FCC complaint, and XXXX called me and said they could not waive the fee. I asked them to provide service in my home. If I was being held to the contract, then I was holding them to the contract. They said they could not and would not waive the fee. Two hours after that call I received a call from a collections agency asking for the balance of the bill XXXX says I owe. I am due a refund of {$47.00}. I have attached the bills and the collection notice I received in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I am being contacted by Credit Control, LLC., XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX in their attempt to collect a debt for said XXXX XXXX rendered by the original creditor XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, for services that were never provided to me at any time. 

I have already had to dispute this matter with XXXX other previous debt collection companies as well as to have their negative reporting to my credit report removed and I have on every occasion proven to be exempt, and or at no-fault to these claims. 

I have written and sent via USPS Certified mail a letter to Credit Control , LLC the most recent collection company to AGAIN request they prove my legal liability for this debt. 

As it appears that this specific debt continues to be resold and purchased by separate debt collections company 's I would like to know how I can end this cycle and stop this fraudulent and unfounded debt collection nightmare?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I note that there was a collection on my credit report which I do not recognize. Here is the info of this collection agency : CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) 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 2016-05-13 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: Bonneville Billing and Collections
State: AZ

Complaint narrative:
On XXXX/XXXX/16 I sent a letter to Bonneville Collections requesting validation for an entry on my credit report. I 've attached several supporting documents as well as the letter I sent them. According to the USPS tracking number, they signed for my letter on XXXX/XXXX/16. I then waited 4 weeks from that date hoping to hear from them, which I did not. After the 4 weeks I filed a dispute with XXXX and XXXX, fully outlining everything that has taken place and including copies documents that I sent Bonneville. The XXXX bureaus started a dispute on my behalf. During the time my XXXX credit reports of both bureaus described above where updated by Bonneville. They never validated the debt, and during this time that they are supposed to be doing such, they made changes to my reports. According to the FDCPA act they are to suspend collection activities until validation as been supplied. Furthermore, upon looking into this company, they are NOT licensed or bonded in my state to be operating as a collection agency. You can view the XXXX code in my letter. So not only are they violating FDCPA laws, but they are also violating state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We went to refinance with another company due to the XXXX XXXX at the time increasing my monthly payment close to {$400.00} - per them they under estimated my escrow. Not really sure how that could have happened when virtually nothing had changed over the year. The property taxes may have increased {$150.00} over all, but that in not way constituted that high of an increase. Went to closing, I was told that the payoff balance included the XX/XX/XXXX payment. I had made the payment, then once I found out the payoff included that amount, the XX/XX/XXXX payment was reversed. A week later the XXXX rejected the wire transfer as they are now stating funds were short. Thus the XX/XX/XXXX payment, they had advised not to pay, since it was included in the payoff amount. The attorney went over all the numbers & confirmed to me that the payoff amount wired to them indeed included that XX/XX/XXXX payment. They now have left me threating phone calls & sending me XXXX to Foreclose on my home. I have Never missed a payment with this company. We spoke to a gentleman with the said company & he advised that they would accept the wire next time it was sent through. I has bounced back yet again. XXXX they had also advised I had money in escrow in XXXX phone call & then in the next call advised I had a negative balance - not sure how that can happen. I just want this matter closed out & finalized - I am already ready to move on with my new XXXX & making payments to them. Thank you for your time & assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I have a new number from XXXX XXXX, I have owned this number for 2 years. For the past two years I have recieved multiple harassing phone calls from various collection agencies looking for a people named XXXX and XXXX XXXX. I do n't know these people, and I do n't owe a debt. I want this harassing calls to stop. Credence Resource Management is the latest company to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX 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 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PulteGroup, Inc.
State: AZ

Complaint narrative:
I made two payments on my loan XX/XX/XXXX with Pulte Mortgage. both payments were credited to my account XX/XX/2016. I was anticipating my XXXX IRS reporting form to include all payments made and credited to my account XX/XX/2016 but it did n't. Pulte only gave me credit for one payment telling me that it is against the law for them to give me credit for the 2nd payment XX/XX/2016 ( although it was credited to my account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC
State: AL

Complaint narrative:
They claim that I owe over XXXX $ to them for a debt through XXXX XXXX XX/XX/XXXX. XXXX XXXX told me that it was paid by me XX/XX/XXXX. Recovery solutions said they are processing my account for court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit card sent me to collections, reported negatively on my credit files and continues to collect on charges that I have disputed now for over a year. Wrong amounts being charged and I disputed as soon as noticed to the comaony many times via email, USPS mail and phone. The company has refused to correct the errors and now remove the balance and charges and continues to add fees and report negatively. This account and balance do not belong to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I took out student loans with Citibank. I paid and consolidated the rest of my loans. I contacted Citibank and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
There was a fraud alert placed on my Citibank Credit Card. 

I called the number as required, customer service indicated they have to verify my account by phone number. When I provided my phone number Citi said they can not use it to verify. This is the same number I have on file with Citibank. If I open my account access and check my phone number it is the same number I provided them. I 've had this number for years, this number is able to receive calls and texts. 

I have no other way to verify my account with Citi, personal details were not sufficient. This limitation now makes my account unusable, so while I have an account with them, their inability to verify me in a way beyond using a phone number makes my account useless. I 've never experienced this with any bank. As of now I can not use my account.

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 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Solidus Group LLC.
State: CO

Complaint narrative:
I have already filed a complaint against this company once, the case number is XXXX. I started receiving phone calls again from a gentleman named XXXX XXXX. This time I was able to get an address to their company so I can file a written verification for validation. The agent began yelling at me when I questioned the address he gave me. The address he gave me was XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, but that address actually belongs to a company named XXXX XXXX XXXX XXXX. I did verify with that company their address. XXXX XXXX began threatening me with someone coming to my home and seeing me and also filing a lawsuit against me immediately if I do not pay. He continued to cuss me out and yell telling me i was a fraud, he then told me that he was going to call everyone he could connect to me and let them know I was a fraud and I write bad checks. He then blurted out my social security number to me telling me he was in control of my information. There is no written proof of any debt that I have like that. I filed a complaint with my Attorney Generals office, and they told me Delaware Solutions is not a licensed collection agency, and they were already investigating this company and for myself to not offer up any information to the company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-13 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citi 's online form for transferring funds to my bank account consistently reports that the system is unavailable. Calls to Citi customer service result in requests for a transfer request via fax, which are consistently rejected due to " incomplete information '' but the agents are unable to say what information was lacking.

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 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Went through process of refinance with CitiMortgage. At the last moment, loan officer made a big error in my monthly payment she had estimated ( more than I had expected ). I went ahead with it and paid {$450.00} for appraisal. Appraiser was VERY rude spent no more than 15 min at my home and appraised it way under the county taxed amount and was unfair appraisal. Challenged appraisal with back up and proper comps from a licensed real estate agent and appraisal still stood. Was very close on the XXXX % equity ratio so Citi jabbed me on money to bring to table and extra closing costs. Felt like bank was in bed w appraiser. Just not right. I signed closing papers but backed out of deal w/in 24 hours.

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 2017-02-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Again CitiCard has charged a late fee to my account for a payment being late by 24 hours or less. They did this once before and i submitted a complaint, and was issued a refund. The fee was generated regarding a due date for payment of XXXX XXXX. I paid what was due on the XXXX. On the XXXX the late fee was issued. I had a " chat '' with a representative of citicard but they said they could not reverse the charge, because they had done this once for me already within a 12 month period. I explained that when they charged me before, it was unfair and predatory as well. They would not reverse the charge. My previous case with citicards which i filed with cfpb has a case number i believe is 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 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened my Citigold checking account and there was some block on my account. I received the e-mail from Relationship manager on XXXX/XXXX/2016 that account is active and I will receive new debit card. 
Second debit card was blocked too, I was never able to register my account online nor I can withdraw money from ATM machine. I went to branch office on XX/XX/XXXX, they issued my new temporary debit card and promised that on XX/XX/XXXX, I will have access to my funds. 

It 's been 3+ months and I do n't have access to my funds I ca n't close it, I ca n't query the balance. Citibank has taken my money and then put the block on it.

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 monetary relief