vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of medical identity theft. Some one have obtained medical services using my name. The health records that XXXX XXXX maintains about me include information that is wrong and actually about some XXXX else.I have contacted XXXX and they have removed that information.. I am working to identity the effects of the medical identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting 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 explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CREDICO. INC
State: SD

Complaint narrative:
We got a letter today saying they will take money out of our bank account, but the money was taken out 2 weeks ago, without notifications. We have dealt with this company before, bad practices! They have taken over $ XXXX over the years and have not got a XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Hewitt-Capital
State: TN

Complaint narrative:
This company has called me from a block phone number twice yesterday and to my mother home phone leaving a name and phone number only, when I called back a lady named XXXX answered the phone and said someone would have to be at home for paperwork to be delivered there and that person must show legal id and also called a reference and left the same message while still calling from a blocked phone number. I called back to the phone nimber listed lady name XXXX answered the phone amd said the company name is XXXX.When I asked for XXXX to transfer me the phone when to a guy that would give me a phone number to call nor address and told me he was calling from XXXX.when I tried to look up these companies online did n't give me any information and the phone number they called from I could n't get answer back after I called and left voicemails. I called today to company that I had the debt with XXXX they gave me the phone number to debt management partners then when I called them I got the phone number to Hewitt capital and a young lady named XXXX told me the account was locked and she would n't answer any questions nor traffer me to anyone she got my contact information and no one has called back yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: IQOR US INC
State: GA

Complaint narrative:
XXXX formally XXXX added an amount owed from over 10 years ago of {$790.00}, I do not owe that amount and I want them to remove that amount from my debt.

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 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: SD

Complaint narrative:
My lease was up on my Honda Accord. I took the car back to the dealership where I was told that I had thirty days to get an inspection and return it. On the tenth day I received a bill for a payment, lease extension and late fees, Called number on the bill and they said know the dealership has to take the car, XXXX, whom I spoke with said she would call the dealership so they would take it and take final bill to them. Now I keep getting bills and no one seems to know anything. Bill just keeps coming. Tried to file complaints at dealership and they said they do n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: CA

Complaint narrative:
Allied Interstate LLC is contacting me in an unprofessional manner. They call me Monday thru Sunday at all hours of the day. Calls come in at all hours of the day and night. It is extremely annoying and upsetting. I had already made payment arrangements with XXXX XXXX Bank, the credit card company. Now, they 're sending me these people to supposedly collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a notice from Medical Revenue Service ( MRS ) on XXXX alleging I owe a debt in the amount of {$530.00}. I submitted a validation/verification of the debt to MRS on XXXX, because I have been a XXXX. They received my request on XXXX via XXXX Certified Mail, disputing the allege debt, advising MRS that I was not the debtor in question. MRS responded to my request of verification/validation on XXXX with an allege bill that I had no knowledge of. I submitted another letter to MRS on XXXX for further verfication/validation which they received on XXXX via XXXX Certified Mail. MRS responded to my XXXX request on XXXX advising me that they are not willing to provide me with any further documents to verify or validate that I am the debtor. They responded with the same allege billing statement they sent on XXXX. I dispute the debt in question and I am not responsible for any portion of the debt that MRS claim I owe. MRS have not and are refusing to verify that I am the debtor and continue to try and collect on an unverified debt. MRS have not proven that the alleged debt is mine, nor have they willing provided me with my request of a ( 1 ) XXXX agreement between me and their client ( 2 ) they have been assigned to collect on the original creditors behalf and ( 3 ) I am the debtor in question. This violates the FCRA and FDCPA, according to the laws of collection practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 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: PREFERRED CREDIT INC
State: TX

Complaint narrative:
I had no knowledge of this account, I never sign up for preferred credit, I try calling them to dispute this but they wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
XXXX had corporate policy that the patient would never have out of pocket expense they would only bill the insurance company. XXXX submitted a charge to my insurance company the insurance company then requested some records from XXXX to verify coverage but never received them and never paid the claim. ( XXXX is no longer in business ) I was contacted by Monterey Collections XXXX XXXX CA. XXXX XXXX XXXX XXXX claiming I owed them for the service. I replied within 30 days of receiving their notification requesting validation of the debt and other questions. After receiving the request they have not provided the validation and continue to send notices. 
Copies of correspondence available on request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
WAKEFIELD WAS SENT A CEASE AND DESIST AND DON ; T CALL LETTERS IN XXXX. WE STILL GET CALLES FROM THEM IN VIOLATION OF FDCPA AND TCPA, SEE PHONE RECORDS AND VIOCE RECORDINGS ATTACHED.

Company public response: Company 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 is not mine
Company: Northstar Location Services, LLC
State: MD

Complaint narrative:
My business sold XX/XX/XXXX XXXX continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form XXXX on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to XXXX on XX/XX/XXXX. XXXX XXXX then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.XXXX would not send a copy. They have now turned this over to a collection agency XXXX

Company response to consumer: Closed
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX Complaint Department Monterey Collections XXXX XXXX, CA XXXX I am writing to dispute the following information that your company provided to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This item regarding the said debt owed for {$370.00} is inaccurate because this debt was filed in my Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX. I am requesting that Monterey Collections have the item ( s ) removed to correct the information. 

Enclosed are copies of XXXX XXXX XXXX, Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete and correct the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX Enclosures : 1. XXXX XXXX XXXX - Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX XXXX. Collection Letter from Monterey Collections dated 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 2016-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: State Home Mortgage
State: GA

Complaint narrative:
My loan was sent to foreclosure while working with my mortgage company in XX/XX/2016. I do not want my loan to go back into foreclosure. I was unemployed and not able to pay my mortgage XXXX XXXX. I got in touch with my mortgage company. I was told to submit information to XXXX. I was denied but started a new job. In XXXX, I was then told to work with another department in mortgage company for options on bringing my loan current. I submitted the paperwork as requested and my loan was sent to foreclosure XX/XX/2016. I was told to wait and not make payments because the mortgage company was working with HUD on my loan. In XXXX, five days before my house was to be sold, I was told a claim would be filed with HUD on my behalf. I was to make payments starting XXXX. In XXXX, I received the claim paperwork which listed my mortgage as 9 months behind. From XXXX is only 7 months. The payment I made XX/XX/2016 is being held in suspense. The information in the document I received from an attorney regarding the HUD claim states if I default on my mortgage loan the exasperated figure must be paid immediately. I pay mortgage insurance with my loan as well. This document also states that I give over the right to sale my house. I called the attorney and no response. I contacted the mortgage company and they are not being honest. My loan should have never went to foreclosure in XXXX. I fear it will go back into foreclosure before this is resolved. I only want to pay my mortgage. I was going on their advise but was never given the option of just paying the money owed. Now the numbers are exaggerated and I am only being given the option of filing a claim with HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have been trying to explain to the SLS Mortgage company that I do not need to pay escrow on my mortgage payment. I pay my insurance separately and my home is tax exempt as a " parsonage '' to the church. So I simply started paying my mortgage payment minus the escrow amount. So now this company consistently takes the escrow out of my mortgage payment anyway which is causing my payment to show up as late or a " partial '' pmt. Yet the escrow balance is very high!! From the very beginning I have been trying to get someone to listen to me and understand my situation buy NO ONE will!! They asked me to send a written request to remove the escrow payment with proof of the above situation, which I did, but then they refused me and will not do as I ask and turned down my request with a totally unsubstantiated reason for doing so! This has caused my credit rating to be greatly reduced and now I am not even able to try and re-finance my home with a different company because they have ruined my credit rating unnecessarily!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment.

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 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
The calls began a couple of months ago. My son received the first call- a woman asked for me- he asked for her information so he can relay who was calling- She began yelling at him stating to get me on the phone or I would be arrested and sued for an owed debt- the woman was aggressive so my son ended the call. Shortly after I received a call from the same woman ( before I knew my son had just spoken to her ) - She refused to say who she was or what my debt was- she demanded I give her my address and to prove my identity to her- I stated that was not going to happen- she became angry screaming at me so I hung up- my phone rang 3 more times from that number that night & every night since- there is always an auto generated voice mail saying to call wakefield & Associates XXXX for a debt in Colorado- I have never been to Colorado and do not have ANY past debt. The continual calling & harassing & screaming is out of control. Please advise what I need to do to stop this company from this harassment

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 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fenton & McGarvey Law Firm, P.S.C.
State: IN

Complaint narrative:
I 've fought over this " debt '' for 3 years. The previous collectors filed suit. I disputed it through the local courts, and I heard nothing else. A year later I get a second notice of filing by a different office, starting the whole process all over again. They are wanting me to sign something I do not agree with and have not supplied any information about the debt, or a right to dispute notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC.
State: NJ

Complaint narrative:
I have a XXXX loan with Plaza Home Mortgage Company. Due to no fault of my own, the construction project was delayed and an extension was granted. The project is still only a couple of weeks behind schedule. I requested a 2 week extension and was denied. I was also threatened with foreclosure and was told that I am on a final HUD default list. I have been making timely payments and have not missed any payments all throughout the duration of the loan. I have spoken to the XXXX administrative processor and his supervisor, to no avail. They both refused to allow 2 more weeks to finish the construction. Unfortunately, after they threatened foreclosure, they have been purposely delaying the processing of the contractors XXXX draw and do not return phone calls in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I took out a same-as-cash 12 month payment plan From a XXXX. This was later transferred to Monterey Financial Services, LLC. My loan was paid in full in XXXX 2017 ; however? Monterey continues to collect payment through the automatic debit I gave set-up. They do not respond to phone calls and website is completely bogus. I am Unable to log in to my account and unable to re-set password etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC
State: CT

Complaint narrative:
XXXX XXXX of North Star Locations Debt Collection, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.

Company response to consumer: Closed
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
My mortgage company is refusing to work with me to pay delinquent mortgages that I owe. My house is scehduled to be forclosed on XXXX XXXX, 2015. I had contacted the mortgage company after I got into serious financial problems due to my father 's illness/lost my fanther 's brother. I then had to travel to XXXX to bury my uncle since my father was too sick to travel. When I returned in early XXXX, 2015, I was served with forclosure notice. I contacted SLS, the mortgage company asking for ways I can resolve the issue. It took them a while to get back to me. They then sent me a form for modification, which I completed and emailed to them. They still did not get back to me. I called their forclosure attorney and spoke to them stating that I can work out a payment over a 4 months peroid, if the mortgage company can allow me split the past due balance over a four-month 's period, plus the monthly payment. I was asked to contact SLS again, since I had not heard from themToday, XXXX/XXXX/15, I called the SLS office to find out what the total balance or reinstatement amount would be, since they had not communicated that information to me. I then received a fax stating that I owe {$17000.00}, which includes legal fees and some other amounts. 
I do not have this kind of amount or do I know where to raise this amount of money in 5 days. My dad has been very ill and I have been responsible for his medical bills since he has been in the hospital for the past XXXX weeks. I have a duahgter in college, and I have been responsible for her tuition. 
I am a single parent, raising muy kids, and caring for my aging and sick parents. I CA NOT AFFORD TO BE THROWN OUT OF THIS HOME. MY CHILDREN, PARENTS, AND MYSELF WILL BE HOMELESS IF THE FORECLOSURE HAPPENS. 

I AM HOPELESSLY APPEALING TO YOUR AGENCY TO PLEASE COME TO MY RESCUE. I DO N'T KNOW WHERE TO RAISE {$17000.00} FROM IN 5 DAYS. 
My father is too sick to be moved anywhere and he could depart this woorld any day now. 
Please help me. 
I currently have managed to raise {$5000.00}. and if your agency can do anything to stop the foreclosure, I will do all I can to get my mortgage current in less than 4 months. 

PLEASE HELP ME ASAP. I AM DESPERATE AND HAVE NO RECOURSE, SINCE THE MORTGAGE COMPANY, SLS LOAN SERVICING HAS REFUSED TO WORK WITH ME.

Company response to consumer: Closed with explanation