vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Due to caregiver responsibilities for a XXXX mother with XXXX I am often away from my home for extended periods ( months even ). My mortgage lender has pad-locked my home twice in the last eight months claiming that the home had been 'abandoned. ' In the process the lender also replaced the lock which has breached the integrity of the exterior door and caused splintering of the wood ( I have pictures ). Further it was noted that the property was at risk and required 'winterizing, ' all the while I was paying my utilities ( heating, electric and water ) which were fully functional. A storm winter was broken and never repaired thereby allowing further break-in and vandalism since after breaking the storm window, the interior window was never secured. Additionally, I originally had my neighbor cut the grass and shovel snow as needed which is documented in a letter from my neighbor who did n't understand why someone else was mowing the lawn. 
Now after the second 'break-in ' by the lender, I no longerfeel safe in the property and more significantly have lost faith and face with my neighbors who do n't understand what is going on.

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 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Servicer, Specialized Loan Servicing, Inc ( SLS ), has confirm the reception of documents various times to be reviewed for Loss Mitigation solutions. On most recent communication, Servicer confirmed the reception of Bank Statements but requested that they be resubmitted to so the Non-Borrowers contribution. Bank statement submitted on previous occasions were marked accordingly to identify ALL Contributions received for the household. Multiple email correspondences can be provided to show that ALL NECESSARY DOCUMENTS HAVE BEEN SUBMITTED ON VARIOUS OCCASIONS WITH FOLLOW UPS TO CONFIRM THEIR RECEPTION. 
Servicer, on multiple occasion has filed to comply with CFPB regulations - additional information will be uploaded describing the servicing process till the appeals and borrower 's action to file Bankruptcy to delay the foreclosure sale.

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 2015-05-04 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fenton & McGarvey Law Firm, P.S.C.
State: IN

Complaint narrative:
I have a auto loan with XXXX XXXX. The repo 'd my car and left a balance of. This attorney Mapother & Mapother sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with XXXX XXXX And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: United Student Aid (USA) Funds
State: CA

Complaint narrative:
I XXXX XXXX claim that a company known as USA Funds , Inc. has been for a great deal of time tried to collect a debt that may no longer be valid. The referenced collections state that the debt service date to be 1998. If these debts were in fact educational loans, they would have been backed by guarantee with the U.S. Department of Education. 

I claim that USA Funds, Inc. acquired these debts from a debt pool system, and that the enforcement date can no longer be valid by California laws. The only method in which these loans would be valid is by a guarantee to the U.S. Department of Education. 
USA Funds , Inc. state that one of their options is to assign the listed student loans to the U. S. Department of Education. If that were true that USA Funds Inc. could, then I advise them to do so. The attached letter is in violation of the Fair Debt Collection Practices Act based upon the following facts that the attached letter even stipulates : LENDER : XXXX XXXX XXXX XXXX - This means that the loans were securitized and then ownership was fractionalized. USA Funds Inc. has no skin in the game other than to use my credit history hostage, they have no assigned right to ownership from any f the fractionalized owners of the debts that were securitized, and for USA Funds Inc. to take a position that they can take legal action where they have zero chain of ownership or assignment of authority is not only an FDCPA violation, but a violation of my civil rights as a member of the XXXX XXXX XXXX. 

I DEMAND THE CFPB AND THE FTC PURSUE USA FUNDS INC FOR MY FDCPA AND CIVIL RIGHTS VIOLATIONS AS MANDATED BY FEDERAL GUIDELINES!!! 
The attached letter if full of abusive threats to me as a person and my own credit history. USA Funds Inc. will be sued if they persist with these threats and if they do not purge my complete file immediately. This company is nothing more than XXXX of XXXX of collection agencies nationwide that abuse the system and due process as mandated under my protected legal and constitutional rights. 

This letter is proof that these loans were securitized through a third party investor. USA Funds Inc. has destroyed my personal credit on debts that are no longer valid. I will proceed with a federal lawsuit against USA Funds Inc. if they can not validate a legal collection process. 

I demand that a letter of release be submitted within 30 days, and that all illegal collection processes cease immediately, along with the deletion of all accounts from each pertinent credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Credit Plus Inc
State: CO

Complaint narrative:
Company response indicates the following : Response Credit Plus has received a complaint that you posted in the CFPB complaint database. The complaint is a joint complaint against both XXXX XXXX and Credit Plus. It 's unclear to us as to the nature of the complaint against Credit Plus, so could you please clarify the nature of the dispute, if any, with Credit Plus. 
Sincerely, Credit Plus, Inc. 

Clarification : Credit Plus failed to properly follow it 's own policies as presented to me and my wife. When opting to use the 'rapid rescore ' service we were told that providing proofs of statements showing payoffs would result in a rescore to the model as proposed by Credit Plus without an additional inquiry and the process would take less than a week. 

Instead what happened was that Credit Plus repeatedly claimed that the credit accounts paid were not being confirmed by creditors, even after our own credit reports were showing the accounts paid off and we provided subsequent month ending bank statements. Additionally our credit was pulled repeatedly resulting in our score being lowered. When escalated, the process remained opaque and the process was never explained to us, nor was an adequate escalation resolved when it became clear that Credit Plus was doing much more harm than good. Even though we were following the instructions provided to us. 
This harmed me and my wife in the following ways : 1 ) It robbed us from making an informed decision by either improperly and otherwise failing to disclose the policies/processes of Credit Plus. This may have resulted in us hiring a different lender. 
2 ) This further injured us by resulting in our rate not being locked until the day before closing and resulting in a significantly higher rate than had we locked at the time. 
3 ) Our credit reports were repeatedly dinged resulting in lower credit scores overall despite that we were informed that the process did not involve a hard pull on credit. 

Ultimately, by not providing clear, simple disclosure, we were unable to make an informed decision, and resulted in my wife and I paying a rate approximately 0.40 % higher than had we locked on the first day. Carried over the life of the loan this is a financial loss to us of {$32000.00}. Ultimately we would like this as compensation for being misled so that we can apply this to the balance of our home loan and offset our injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Michael Haynes & Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX from Michael Haynes and Associates has called around and threatened people that I owe a debt and that they would be going to court. I owe no such debt and I am not too happy that he would slander my name with people i respect. He also would not give me an address to communicate with him. He threatned to sue the corporation, take my house, my paychecks and sue people that i dont even know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I disputed the account with the collection agency Medical Data Systems and they sent me back copies of personal medical information sent from the hospital.

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 2017-01-04 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: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim that DIVERSIFIED ADJUSTMENTS INC. is a entity that is entitled to enforce a claim against me by law, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, this account has already ben disputed before with a previous Third party collection agency, so during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: IQOR US INC
State: NJ

Complaint narrative:
The debt collection agency continues to call despite measures I put in place to stop them and they leave threatening messages This is my second request to have them stop

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 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: VA

Complaint narrative:
Repeated calls @ XXXX XXXX varying from 2-5 times/week. I have repeatedly told them I do not know the person they are trying to contact, have had this phone number 6+ years and please quit calling me. The company ( Allied Interstate ) representative I talk to each time assures me my number will be removed from their database, yet I keep receiving calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
Between the first and last weeks of XXXX, Medical Revenue Service, XXXX XXXX, XXXX, Florida XXXX called my work phone ( XXXX ) from XXXX approximately XXXX times. The specific dates I have noted for this XXXX # are XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX., XXXX XXXX at XXXX and XXXX XXXX at XXXX. However, I deleted the first XXXX or XXXX instances without making a record. In addition I received calls from XXXX also associated with Medical Revenue Service at my work phone on XX/XX/XXXX at XXXX. and XX/XX/XXXX at XXXX. 

In no case did Medical Revenue Service identify their business name, nor the purpose of the calls. I did not actually receive any of the calls because they were either made after business hours or I was not actually in my office to receive calls ( I took off most of XXXX on leave ). 

I have only figured out that these calls came from Medical Revenue Service because on XX/XX/XXXX I received a bill from them dated XX/XX/XXXX. The bill was originally for a date of service at XXXX XXXX Hospital from XX/XX/XXXX. I have called XXXX Hospital Billing, paid the bill, received a confirmation number from XXXX, and XXXX has informed me that they will notify Medical Revenue Service. I have separately filed a complaint against XXXX for never sending me an original bill back in XX/XX/XXXX. I had no idea that monies were owed until I received the collection letter. 

However, I want to file a complaint that Medical Revenue Service did not contact me appropriately. It is my understanding that collection agencies are not supposed to call places of employment. My message on my office phone clearly identifies the phone as a workplace phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: FL

Complaint narrative:
I have paid all debt and cleaned my credit report. All of a sudden this company, Medical Data Systems showed up for asking for {$100.00} that belong to my son. I asked for proof and they refuse to show me proof. I disputed it but they keep claiming it without showing me proof that it is min.

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 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: LA

Complaint narrative:
background report criminal section incomplete .All charges were dropped or dismissed.I sent the judges signed court order to First Advantage .They did knot add it to there report and said they would not change the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Adler Wallach & Associates, Inc.
State: VA

Complaint narrative:
AWA has put a collection notice with the credit bureau due to a XXXX collection with XXXX who I have not used in years. I never received a letter, got a call, or any other correspondence regarding this debt that I know nothing of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20 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 have disputed accounts # XXXX, XXXX, XXXX, XXXX, XXXX with Medical Data Systems, Inc on XXXX/XXXX/2016 and I sent my dispute certified mail requesting validation of this debt. Medical Data Systems failed to provide me with a copy of any viable evidence, bearing my signature instead they send me a copy of itemized billing statements that is a HIPAA violation. A second certified letter was sent XXXX/XXXX/2016 and only XXXX removed all accounts, XXXX still reporting XXXX ( XXXX ) account and XXXX still reporting all accounts as accurate. A third certified letter was send XXXX/XXXX/16 and today I received a letter that is attached above. 
They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove these listings from all the credit bureaus. If you refuse, I will take legal action immediately!

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FIRST ADVANTAGE CORPORATION
State: MA

Complaint narrative:
i want to know why it said in my credit report multiple SSN on credit file, i have only have one SSN number

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
My job ran a credit report that included my date of birth and it brings up someone with same name. This person was convicted of " delivery of XXXX " in 1998. I just got XXXX so because of similar last names, I now have no job. If they run my social security number they will see that this person is NOT me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have never received any letter from Medical Data Systems Inc stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Medical Data Systems Inc. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all XXXX of my credit reports to go down significantly preventing me having a fair credit.

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 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have no knowledge of this date and they will not send me a copy of the paperwork.

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 2017-02-16 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I never received any communication, documentation from AWA in attempts to collect a debt from XXXX 2011 and have been trying to contact this company to ask about the debt but my calls have not been returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: IQOR US INC
State: VT

Complaint narrative:
My private loans have been sent to an outside collector named Allied Interstate. They call multiple times a day, they were verbally abusive, and threatening when I had spoken with them. They call all hours of the day, and interrupt me while I am working.

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 2015-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Servatus Corporation
State: AZ

Complaint narrative:
Excessive calling after asking not to contact me under any circumstances. Speaking aggresive of other inquiries and information on my credit report. Excessively pulling inquiries without my authorization XXXX a week and every other day. Talking over me being very unprofessional and then hung up on me while I was talking. This is messing with my health and agitation of the pre-existing health problems I endureXXXX to the point of cancelling the doctor appointments I had scheduled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation