vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants , Inc . 
XXXX XXXX XXXX, FL XXXXACCOUNT NUMBER : XXXXXX/XX/XXXX/XXXXXX/XX/XXXXToll Free : XXXX. 
Fax : XXXX. 
Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Diversified Consultants or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Diversified Consultants , Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/1982XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Fraudulent use of credit card. Charges to my card from XXXX. I called and brought the fraudulent charges to the attention of my bank. They credited me with XXXX of the XXXX charges. When I called to correct the situation and get questions answered, the supervisor refused to speak with me. My checking account was debited for more than {$3000.00} in fraudulent charges after I was assured that the charges would be removed. The bank is USAA, credit card is Master Card.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Thank you for using the XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX print a copy of this for your records. 

Filed on : XXXX XXXX XXXX by : XXXX XXXX XXXX XXXX XXXX CA XXXX against : TD Auto FinanceGiving me the run around and not processing my pay Payoff. XXXX XXXX 2015 I called TD Auto Finance to inquire about my balance on my XXXX XXXX XXXX. Account number XXXX They gave me the amount. I got a check from Credit Union ( XXXX XXXX ), I called TD Auto Finance back on Friday XXXX XXXX 2015 to get the proper address for express mailing Auto pay off. I mailed the check and preceded to call back on Friday XXXX to see when the title is going to be released, I was informed that my regular monthly payment is past due, I said how is that when I just paid off my loan. The agent put me on hold and then came back to the phone and said the check will be returned, because it was not signed but it was signed and it was made out to TD auto finance and my husband with my account number on the check. I asked the lady why did n't any one call me or let me know? She could n't answer me, I was in shock what if I had not called? The agent was very rude she hung the phone up on me. I called back on Wednesday XXXX XXXX and the same thing your account is past due, I said I sent a check to payoff my account and you said its gon na be sent back for signature. I was told that the check is now going to be sent to my credit union and If I do n't make my payment by XXXX XXXX I will accrue more interest. Since the XXXX of XXXX I have been trying to settle this matter. 
I want them to find the check and close my account for the amount first quoted to me. And I will never ever purchase another XXXX vehicle from them again. My husband and I have been loyal customers for years but this was the last straw. This was the XXXX time we have been burned by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
i received a letter with no return address, addressed to my estate. the letter read that I was deceased and my estate information needed to be turned over to them to handle my bills. I called the XXXX number listed on the letter and a man answered. I gave him the reference number on the letter, told him i was not deceased and what was the letter regarding. the gentleman kept repeating his name and that all calls were monitored and proceeded to ask my personal information. i gave him the reference number again and asked him to identify whom he was representing before i gave any additional information. he continued to stammer and did not tell me anything outside of his name. I told him that this was a tactic to collect a debt and to open contact with me as by then i had gone through my cell phone call log and found the exact number called me 82 times in one week, but it was blocked per my request from my cell provider. I told him to refer me to a supervisor or someone who could tell me what was going on and why they use such a morbid tactic to gain my information. he said i could not and i hung up and called again. The next agent did not identify herself, simply answering " hello? '' I explained the situation and she asked for my information again. i refused and asked her to identify herself or transfer me to her superior, she refused. i gave her the reference number and she said she would remove my name from their list. I asked her what list and informed her that if she is acting as a debt collector, she has to tell me who the debt originated from. she refused and i ended the conversation. This company sent me a letter saying i was deceased and to turn over my financial information, never did they say who the original creditor was or the amount of the debt. This was an attempt to gain my information as means to collect a debt which they never identified.This company called me XXXX times over the course of a week, if they were under the presumption i was dead, why bother? the company name is Philips, Cohen and Associates XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX reference # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
The USAA bank made me responsible for my son 's debt after his death with XXXX. 
I did not share his credit card and he lived in XXXX and I in XXXX. 
Now I find they interfered with my Social Security account saying I am a bad credit risk. 
This is incredible! - hard to believe they would stoop so low to hurt a Veteran of XXXX. 
This is certainly illegal or should be. They have no right to hurt me in this way. 
I always had an excellent credit rating. Please rescue me. 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 2016-08-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: LD Holdings Group, LLC
State: MT

Complaint narrative:
Clear violation of Equal Credit Opportunity Act, reasons for denial were nonsensical, untrue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I had a $ XXXX Home Equity loan taken out with USAA.com five years ago. The interest rate I received at the time for the loan was 4.49 %. 
This month, the HE loan was converted to a fixed-rate loan, as had been expected after the first five years. What was not explained to me was that they bumped up my interest rate by 250 %, to 10.35 %!! When I asked about this possibility several months ago, I was told it would " depend on market conditions. '' Clearly, interest rates have not doubled since I took out my HE loan, and nothing else about my credit history ( which is excellent ) has changed! 
I 've been the victim of 'bait and switch '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-15 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
NCB Management Services Incorporated is currently collecting a debt for XXXX different original creditors. XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX XXXX Bank who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina XXXX see attached ). 

Neither XXXX XXXX XXXX nor XXXX XXXX is the original creditor as claimed by NCB Management ( see attached ). On XXXX/XXXX/XXXX, I asked NCB Management Services , Inc., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. XX/XX/XXXX ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, NCB Management Services XXXX Inc., claimed that XXXX XXXX XXXX was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, NCB Management Services XXXX Inc., provided me documentation which did not mention XXXX XXXX XXXX as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: First Data Corporation
State: TX

Complaint narrative:
I had a bill with my check inside that was stolen from my mailbox back on XXXX XXXX. A few days later I discovered that whoever stole my check forged new ones and spent them at XXXX locations around town. I cancelled my checking account at once, and opened a new one. I also filed a police report, and notified the post office of the theft. I got a letter from Telecheck which is TRS Data out of XXXX TX saying one of the checks that was cashed at a XXXX XXXX was returned for non payment and they said I was responsible for it. I went to their website and filled out the fraud and theft report and returned it with a copy of the police report and thought I would hear of a result from that. Instead they sent me another letter saying I owed the amount and they would take legal action if it was n't paid. I wrote them again, and this time sent a letter from my bank saying it was a fraudulent charge and not to hold me liable for it. To this day, I have not heard back from them, and now this week I found that they are not allowing my business through my bank on XXXX. I have done business with them with no problems until this week. I am so angry that Telecheck has done this to me, and I do n't know where else to turn for some help! I was the victim of theft and fraud, and yet I am treated like the felon! I want to hear from them that I am not responsible for a check I did not write, and I want my ability to write checks again without fear of them being declined. This is no way to run a legitimate business by Telecheck. I have tried calling them, but it is impossible to find someone that knows what is going on, or help me. This is my last resort for some help. Thanks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
They call every day. They ask for XXXX XXXX. They say it 's an attempt to collect a debt. They say if you are not XXXX XXXX, hang up and call this number. I called the number a year ago asking them to stop calling me. They agreed to stop, but I am still getting calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: Receivable Solutions, Inc.
State: SC

Complaint narrative:
i do not owe this it was taken off my credit and then put back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 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 got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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: Global Credit & Collection Corporation
State: CT

Complaint narrative:
Global Credit and Collection Corporation ( XXXX XXXX, Global Credit and Collection Corp., XXXX XXXX, NJ - XXXX ) has apparently been calling at least one of my former co-workers for several weeks, sharing all of my information, about an alleged debt. I am not even sure what debt this is about. I have been working to pay off credit card debt, but this company contacted me for the first time yesterday, yet has been harassing at least one person I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Informative Research
State: TX

Complaint narrative:
XXXX XXXX XXXX {$220000.00} Filed XXXX This is straight from my credit report I have never had a bankruptcy in my life yet this Tax lien/Bankruptcy is showing on my credit report and they will not remove it. It is stopping me from refinancing even thought the title company reported that it does not or never has belonged 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 2015-10-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retail Merchants Associates
State: LA

Complaint narrative:
The debt has been paid and the company continues to report a balance on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
I was put into collection for XXXX medical bills and they are reporting on my credit reports which is affecting my credit score and affecting me in obtaining credit. I was on medicare at the time and I paid my {$140.00} out of pocket deductable. Everything else was paid by medicare. I sent a Cease and XXXX response back to the collection agency as under the 1977 Fair Debt collection Lractives this should have never been put in collection nor put on my credit reports. I am complaining because I do not owe these XXXX medical debts and how can they put me in twice for XXXX different medical bills when I was only responsible for the {$140.00}. I want this removed off my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: BorrowersFirst, Inc.
State: NJ

Complaint narrative:
I have an unsecured loan with BorrowersFirst and lost my job 10 days ago. I contacted them immediately, as I was only able to make a particular payment on my XX/XX/XXXX payment. The representative was very nice and understanding. Took my payment and to pay what I could to stay out of collections until I could catch up - presently interviewing for work. Since then, I get phone calls from Borrowers First 5+ times per day and 2 or more text messages. I call them back daily to let them know that I spoke to them the day before and that my situation had not changed yet / that I felt like I was begging harassed when I tried to do the right 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 2016-09-17 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: TX

Complaint narrative:
Collection Bureau of America did not send a notice of debt prior to placing it on my credit report XX/XX/XXXX. A collection account for the amount of XXXX was placed with the XXXX Credit Bureaus. 

Collection Bureau of America is attempting to collect a debt based on a XX/XX/XXXX invoice in which shows the equipment being charged off. However we returned the equipment to the original creditor in XXXX XXXX which is why we received the invoice XX/XX/XXXX which shows a XXXX ( {$0.00} ) balance which was sent by the original creditor Sparkleletts ( acct # XXXX ) XX/XX/XXXX. 

Collection Bureau of America refuses to remove the collection from my credit report even after I supplied my invoice from XX/XX/XXXX and I have been emailing the Representative XXXX to see what movement has been made to remove the collection. The CBA account number is XXXX. The are violating the credit reporting act by attempting to collect on a debt that has been paid. 

Collection Bureau of America is attempting to collect

Company response to consumer: Closed
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage was current with XXXX. I became unemployed and it took XXXX months for keep home CA to start making payments on my mortgage so once they started making payments my mortgage became XXXX months behind even though they were paying each month. Initially the program paid the wring amount because XXXX all of a sudden said my reduced interest rate from NACA was only temporary but NACA says it was permanent. During this time my mortgage was sold by XXXX to SHELLPOINT Mortgage Servicing. Once keep home Calif stopped paying my mortgage was immediately XXXX months behind. As I was only working part time I couldnt pay my mortgage and it became past due. I was working with the Shellpoint mortgage company who sent me a request for documents. I sent the same documents 4 times and they sent me acknowledgement letters saying they were working on my information for lian modification but just put my home in default and foreclosure while still requesting the same documents already sent several times. Shellpoint did nothing to help me keep my home 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 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: IA

Complaint narrative:
I received letters and a phone call from a debt collector for a debt that is not mine.

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