vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-06 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: The CMI Group, Inc.
State: HI

Complaint narrative:
XXXX accepted multiple accounts opened in my name by indetity theft. my name is XXXX and it was opened under " XXXX - a clear indicator this was not me. I have all the paperwork and police reports dating back to XX/XX/2012 when this started, however XXXX still has these accounts in collections which is effecting my credit. please help, how can i resolve? Can i send this paperwork for you to review? i can not reach anyone at collections agency to help me get this removed from my report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TX

Complaint narrative:
I received a call and was not able to answer at the time. The company left a voicemail stating that they are a debt collector and that was the reason for the call. It is a violation of privacy as others heard the voicemail, as well as humiliating for my co-workers heard. It is none of their business and now everyone is aware I have a debt in collections. I have never spoken witht his company previously regarding the debt, ( I assume they just received the account ). There was no attempt to verify my identity before leaving a voicemail that completely violated my private information/debt owed. My complete humiliation could have been avoided if they had left a generic voicemail for me to return the call, then discussed the debt upon my returned call to ensure the chance for me to discuss the matter privately and not publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2017, last date to pay vehicle note before penalty, I received call from Wells Fargo Dealer Services. XXXX ID XXXX informed me of late fee due today. I reminded her that the XXXX day was today and no late fee should be applied. She continued with the amount of the late fee : {$100.00} ; and said that the late fee is added the XXXX day. Why should it even exist when the consumer ( me ) is paying on the XXXX day? I refused to pay her total {$450.00} that includes the said late fee, but paid the monthly {$350.00} ( {$350.00} ) over the phone. 
Each time I have had difficulty with Wells Fargo Dealership and presented my concerns to CFPB, it was resolved with justice.

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 2017-02-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
Credit Control LLC, has contacted me without my consent, and also obtained my personal information with out my consent.

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 2015-09-04 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: MI

Complaint narrative:
I received XXXX calls from XXXX XXXX XXXX XXXX XXXX the morning of XXXX. I could not answer the phone as I was at work. They left XXXX voicemail msg. Before I could call them back, they called XXXX of my sons, the person calling left his name, the name of the company XXXX Global Credit XXXX and that he was called regarding MY debt! He left my son with his contact information. My son is XXXX yrs old. Even if he was XXXX, Global Credit broke the law by discussing the issue with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: KEYCORP
State: NY

Complaint narrative:
On XXXX/XXXX/15 I placed an order for swiss army knives from XXXX The items were in stock. The company contacted me for payment by wire transfer. On XXXX/XXXX/15, I completed wire transfer of {$210.00} EUR ( {$250.00} USD ) from my XXXX. The company then contacted me to say the order was cancelled and items were not available. When I go on to my account at their website, it says on XXXX/XXXX/15 money received and paid back. I have not received money & after numerous emails I still only get automated response saying they received my request & will get back to me. I also wrote XXXX in XXXX but I know they speak XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
The Complaint that I have is with COLLECTION BUREAU OF AMERICA Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with COLLECTION BUREAU OF AMERICA I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Coastal Finance Company, Inc.
State: NC

Complaint narrative:
I purchased a vehicle through coastal finance located on XXXX XXXX XXXX, XXXX, NC XXXX. This car had several mechanical issues and broke down in 2010. XXXX expert mechanics informed me that the car was not repairable. I called Coastal Finance to alert them to what was happening and that the vehicle could be picked up. Coastal Finance did n't believe what I was telling them so a man by the name of XXXX had the vehicle towed from XXXX, NC to XXXX, NC to his personal mechanic. He phoned me to say that the account would be closed and charged off as I had gap insurance. This account was due to fall off next year and after 6 long years of inactivity they report a missed payment on my equifax credit report and added an additional {$1300.00} to the original amount owed. Now my credit score has dropped and this old account is showing open and different missed payments are appearing. This company is lying to keep this account on my 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 2015-09-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD

Complaint narrative:
On XXXX XXXX, 2015, I received a letter from American Medical Collection Agency ( " AMCA '' ) dated XXXX XXXX, 2015, regarding collection of a medical debt. The letter did not include the notice of right to dispute debt. Instead, the letter stated, " Dear XXXX, you may believe that XXXX will eventually forget about the XXXX you owe for XXXX. However, it is our responsibility to make sure that neither our client nor you forgets this debt. There is no longer any justification for not paying XXXX. Withholding payment is not acceptable. Your lack of response may place your credit record in jeopardy. You can resolve this problem easily before we are forced to take further collection steps. Send us your remittance for XXXX with the bottom portion of this letter, and we will promptly notify our client and remove your name from our delinquency files. Spare yourself further time on this matter. Pay this past-due bill today. '' On the back of the letter it stated, " this is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' However, the letter did not disclose my right to dispute per the FDCPA. The language contained in the letter implies " my lack of response '' will place my credit record in jeopardy. I consider this to be in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: First Data Corporation
State: CA

Complaint narrative:
Almost {$600.00} of my financial aid was taken from someone in a foreign country and the bank keeps telling me they will send me a dispute form to fill out but I never received it. They then told me to fax them but claim that they never received it. It 's been over two weeks and I have n't gotten an update or anything.

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 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I refinanced my mortgage with Wells Fargo and closed in early XXXX 2016. Soon afterwards I applied for a HELOC with Wells Fargo and was advised that I could not close until the county had recorded the paperwork from the refi. Throughout XXXX and XXXX 2016 I repeatedly inquired about the county recording and was told it should be " any day ''. Today I found out the title company did not submit the paperwork to the XXXX until XXXX/XXXX/16, 74 days after the closing. In the meantime the rate lock expired, rates have gone up, and my paperwork is still unprocessed. Wells Fargo neglected to ensure the refi documents were filed in a timely manner, and I am worse off due to the HELOC rate increase.

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
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data Line Credit Corp
State: CA

Complaint narrative:
Since XXXX 2011 I send this collection company a certified letter requesting verification of the debt pursuant to Fair Debt Collection Practices Act 15 USC 1692g Section 809 ( b ). The company never responded and over the phone threatened to report negatively in my credit, which they have done since day XXXX to this date. They have caused so much damage to me and my family with this bad credit markings, which arose another question as to private information, such as SSN, being public information. The property they are attempting to collect fees for was never legally mine and due to that I am not legally responsible for anything that happens with such property, thats just the law! I have tried numerous times to negotiate my release from any ties with them and even with certified documents that prove I was never the legal owner, they continue to harass me into paying or deal with their malicious consequences

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
threatened to take the cosignor on an old debt to court. Solicited information from her about how to get my work information by threatening to take her to court. I have just started a new job and after 3 days of working they 've already managed to call. I work where personal calls are not allowed and I could be reprimanded. ive read complaints against this company refusing to send information in writing and demanding to settle over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
There was not a selection above that truly fit my complaint. I was referred to XXXX XXXX lawfirm by XXXX. They told me that my account had not been sent to a 3rd party but that was a lie. This is a collection agency. I called their office at XXXX and spoke with XXXX. I asked her my balance and advised her that I wanted to set up a payment arrangement. She begins asking me very personal and invasive questions. Such as how much I make and who I pay my car payment to, and what the year make and model of my car are. I asked her why she needed this info she then tells me its so they can collect on the account. she never gave the intro of " this is an attempt to collect a debt .... '' and when i refused to answer her questions that I felt were invasive she refused to work out a payment arrangement with me. I asked straight up if she was refusing my offer to make payments. She straight up said yes. I disconnected the call at that time. I do not feel they need to know such personal information to set up a payment arrangement. I work in collections also and we would get into trouble for asking questions like that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF has been charging overdraft fees to my account to overdraw my balance and then charging fees to me for them bringing my account into a negative balance. I am a government worker that has had credit issues in my past and I have been working to rebuild my credit history. Unfortunately I am not in a position to take my business to another bank. A TCF customer service representative even belitted me buy recommending I obtain a prepaid card because that is all I would qualify for. Customers should not be mocked or ridiculed specifically because we choose to complain about a major banking conglomerate defrauding and basically stealing from consumers. I ask that someone investigate the shady business practices performed by TCF Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: M&S Recovery Solutions
State: MD

Complaint narrative:
I return a call to XXXX XXXX XXXX XXXX XXXX 's located in XXXX, NY. I get calls at all hours and lots of them saying they are going to sue me, if I do n't pay they are going after my husband too. I get XXXX different numbers to call, called back a XXXX XXXX for her to be nasty and hang up when I asked to talk to her supervisor, that if I do n't pay they will seek legal action resulting in me paying the bill+court cost+lawyer fees. I never ever open this account and I tried to tell her that but she would n't hear me out. I look up the numbers and a XXXX XXXX shows up at the address and location she gave me. Number look up basically gave me the same things. I do n't know what to do at this point I am a laid off stay at home mom of XXXX young kids, my husband works XXXX jobs to keep us a float, I was just in a accident and was injured I have no time to go back and forth with these people. Help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I went to the offices of Foster & Garbus who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( XXXX ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was Foster & Garbus who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: ProCollect, Inc.
State: MD

Complaint narrative:
I found that I had a collection account on my credit report in XXXX of XX/XX/2014 The name of the original creditor is XXXX XXXX XXXX APARTMENTS. I called XXXX XXXX XXXX APARTMENTS when I discovered this collection account and was told that I did n't give them a 30 day notice. The company is now under a new management and the lady I spoke with ( XXXX ) said they do not have the documentation. I explained to her that I have a copy of my 30 day notice but she said I need to deal with the collection company ( PRO COLLECT ). I sent a letter to PRO Collect explain that I do not owe the debt and sent evidence showing that a 30 day notice was given and the debt is invalid but they responded with a letter stating that their client contends that the debt is valid with no explanation on how the debt is valid. I sent them another letter to validate the debt but they can not validate the debt. The credit bureaus are not helping. They just report what collection agency tells them without any validation. I need help dealing with this corrupt collection agency. They clearly know that I do not owe this debt but are trying to collect anyway. The lease ended on XXXX XXXX. XX/XX/2014 and I gave them a 30 day notice on the XXXX of XXXX XX/XX/2014. A staff member signed and made a copy for me. 
The XXXX is for {$1100.00}. 
{$600.00} for XXXX 's rent ( which makes no sense, since notice was given ). 
{$470.00} for Re-letting Fee ( 30 day notice was given. Makes no sense ). 
The rest {$72.00} is for utilities. I am not sure if I paid this but I do not mind paying the {$72.00} but the rest of the charge is bogus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF BANK TOLD XXXX THAT LOAN NO XXXX WAS OK TO UNLAWFULLY RE-INSERT ACCOUNT WITHOUT XXXX DAY NOTICE TO CONSUMER IN VIOLATION OF F.C.R.A. THIS HAS TRANSPIRED XXXX TIMES OVER XXXX YEAR PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK
State: UT

Complaint narrative:
I have paid my line of credit with TCF in XX/XX/XXXX. I called and asked for my account to be closed. I was told that I need to sent a fax, which I did. However, I had a servicing fee of {$50.00} assessed on XX/XX/XXXX for a balance of XXXX during XX/XX/XXXX. I called again and I was once again asked to send a fax. I did send a fax together with the following email ( to XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX ) : **** email copy***** Dear TCF representative, I, XXXX XXXX XXXX , would dlike to close my account XXXX. I have paid my loan and do not need the credit line anymore. I would like to ask ( per my conversation with XXXX customer service representatives ) that the assessment fee of {$50.00} be retroactively removed. 
Thank you very much and kind regards, XXXX XXXX PS The above was the text in the fax I sent on XX/XX/XXXX. I am not sure why things did not go through ( I do have the fax being successfully sent receipt ) **** end of email ***** Now I have a new charge in XX/XX/XXXX, once again of {$50.00} ( which they draw against my debit card with the threat that if I do not pay, I 'd have my credit score affected ). My balance continues to be XXXX as I have long repaid my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
they used my house payment to pay escrow, then reported that my house payment was late!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received no information regarding this debt. When contacted company was hung up on multiple time. I have not received any documentation support that this debt is even mine and collection agency refuses to send any or answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
The company has sent a judgement to my employer to garnish my wages. Debt is over 6 years old and was sold to this company.

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