vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: WA

Complaint narrative:
I have been getting calls about a debt that is not mine. I just checked my credit report and found GC Services on it with an address of XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and a debt of {$140.00} turned over on XXXX/XXXX/15 ... interesting because I filed bankruptcy in XXXX, 2015. I think they are trying to collect for XXXX, but I have not been with XXXX in well over a year and do not owe them anything. The account listed on the credit report is shown as XXXX ... .I have no idea what the last XXXX numbers are. Nothing has ever been mailed to me so I really have no idea what this debt is for ... and I do not answer unknown phone numbers on my phone unless they leave me a voicemail telling me exactly who they are and what they want ... I am on a do not call list! I read on the internet review after review of how this company is a scam and I want them to pull off my credit report totally what they put on XXXX/XXXX/15 or I will send my bankruptcy lawyer their way. I do not owe this lousy {$140.00} no matter where they say it is coming from! Why is this scam company still allowed to do business when they harass people innocent people all the time? Shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
received call from " Credit Management Control '' who left a voicemail for someone other than myself. As you can see from the contents, the information provided violates federal law. 

" Hi, we have a message from Credit Management Control. This is a call from a debt collector. Please call XXXX between the office hours of XXXX and XXXX Monday through Wednesday and XXXX to XXXX Thursday and Friday. Thank you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX, I entered into an agreement for a FHA loan to purchase XXXX XXXX, XXXX, OH XXXX. My monthly payments were suppose to be {$420.00} per month but were raised to {$790.00} per month. I paid this amount for approximately 43 months when my employer downsized. In XX/XX/XXXX, Fifth Third Bank began foreclosure against me without following the regulation at XXXX CFR XXXX. While I can not make the {$790.00} payment, I 've tried in vain to include XXXX XXXX income as a part of my household and restart the mortgage. Fifth Third has refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I recently submitted a complaint ( REF # XXXX ) requesting Planet Home Lending to modify the date on my foreclosure to reflect the CORRECT DATE OF XXXX XXXX, XXXX. Instead of changing the INCORRECT DATE of XXXX XXXX, they changed it to another INCORRECT DATE of XXXX XXXX. Due to this, my wife and I are unable to get pre-approved for a home loan and we are supposed to close on XXXX XXXX, XXXX. While we appreciate some sort of action was taken to remedy the aforementioned complaint reference number, it was not the correct action. We submitted the substitute trustee deed showing that the CORRECT DATE IS XXXX XXXX, XXXX. PLEASE REFERENCE THIS ATTACHMENT.

Company response to consumer: Closed
Consumer complaint received 2017-02-27 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: Focus Holding Company
State: CA

Complaint narrative:
Focus Management is attempting to collect a debt for XXXX that I do not owe. XXXX never provided the service. I have a gated yard and XXXX did not have access to provide the service they are attempting to charge for. I verified this three times with calls to XXXX. When I received a notice requesting validation from Focus Management I informed them the account was not valid and that XXXX agreed and instructed them I was in dispute and NOT TO REPORT THIS as they had not validated the debt they still reported the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Focus Holding Company
State: OH

Complaint narrative:
Focus Financial Management has been calling my place of business " in an attempt to collect a debt '' IT is a robo call they do not have any information, nor have I ever received any communication through the mail. I do not have any unresolved business accounts. They called me this morning XXXX/XXXX/15 at 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 2016-06-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Denovus Corporation, Ltd.
State: AL

Complaint narrative:
I have contacted Applied bank several times about this account and I have also called them. They told me this account was sold to a Denovus corporation. Well I asked them if they are able to contact this company and ask them to call me. So finally the company called and I gave them the information about the credit card and I informed them that I had been a victim of identity theft and fraud and that this was not my account. But instead they insisted that it was so instead of arguing trying to get the information take off my credit I told them if we came to a settlement agreement I would pay the account off in full and I would then want this account deleted from my credit. Well XXXX told me that I could pay her {$410.00} plus another XXXX to pay for delete. I told her if I pay the XXXX you should delete it off anyway without me having to pay. Then she said and it will take us 45 days to delete it. I told her no I am not paying you to delete it off my account and I am not waiting 45 days. She said well that is the only way you will get it done or are you refusing to pay. I told her well to be honest I do n't have to pay it because I was a victim of Identity theft and fraud and its really not my account. so it should already be deleted without me having to pay anything. A letter was sent to you from my attorney and you ignored it and I sent in affidavit to you also and you ignored it so I am calling to either ask you to delete it or make a settlement arrangement and you telling me that you ca n't do it. she said no we cant. I said ok then I am refusing to pay until you can tell me you will go ahead and delete it I am not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Middlegate Funding LLC
State: CA

Complaint narrative:
Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have XXXX people working for them but in all honesty it 's just them XXXX. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 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: United Consumers Inc
State: VA

Complaint narrative:
The situation is as follows : In XXXX 2015 I started a summer internship in XXXX. I looked for a gym in the vicinity of my organization and since XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX XXXX ; Phone : ( XXXX ) XXXX ) ( Club ) were in the same building, I want to see if they have any good deals. They informed me that they have a special offer, which entails to try this gym for free for a month. Then if I chose to I can renew the membership, or terminate it any time. 
I knew that my internship is temporary, and I wo n't be in this location more than a month ( and I live in XXXX ), so I specifically asked several times if I would be able to terminate this any time, and the person, Per XXXX, who was signing me up clearly said that this is a month to month deal and I can get out any time. I was asked to do an electronic signature. I asked if there is a contract and they guy from the gym said that there is no contract. Per XXXX said that the signature is just so that I can get my pass to try the gym. He asked me to enter credit card info as a standard practice ( also as a requirement to do this free month ). I never signed any contracts and was never shown one. All I did in XXXX 2015 was my electronic signature on a machine to state that I agreed to one month free membership to try this facility. You can check their documentation - you will not see my signature in ink, because I never intended to be in this location for more they a month or XXXX. 
After a week my internship moved to another location in XXXX and later to XXXX, so I never tried this gym. I did not attend it even once. XX/XX/2015 I contacted the gym, explaining that since the trial period was over and I was not interested in continuing and if there was any paperwork I needed to do to properly exit the Club. It is only then I found out that they signed me up for a year membership. I attempted to explain the situation to them, saying that I only signed up for the trial because they told me that there are no obligations and my member ship can be terminated any time, but they told me about the contract that I never signed, which they consider to be signed by me because apparently my electronic signature was transferred there. 
In short, the only reason why I ended up in this situation is because the representative, Per XXXX, who welcomed me to the gym told me false information and used my signature on a document I never signed. 
Now they put me or collection through the collection company XXXX XXXX , XXXX. 
Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX On behalf of XXXX. , United Consumers , Inc. requested I to pay them {$1200.00} as annual membership fee even though I never used this XXXX. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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: Focus Holding Company
State: NC

Complaint narrative:
Focus Receivables Management, XXXX, GA XXXX Phone Number XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX This company has reported a false/negative report on my credit report - a XXXX XXXX XXXX bill in the amount of {$57.00}. How do I get this false report off of my credit report? Can you help?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC
State: PA

Complaint narrative:
I brokered a deal with United Recovery systems XXXX, extension XXXX to settle a debt I had with XXXX, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. United Recovery Systems employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form United recovery Systems. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.

Company response to consumer: Closed
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I vacated the house I owned in XX/XX/XXXX or XX/XX/XXXX. My wife at the time moved out and I could not afford all of the bills I had on my own. I filed for bankruptcy and moved to an apartment. I surrendered the home in bankruptcy. I have no interest in moving back into the home, since I have started a life in a completely different area. I have taken excellent care of my finances since that time. I would like to buy another home in the near future and I am approaching the necessary waiting period after bankruptcy. However, since the bank never moved forward with foreclosure on my old home, it still appears on my credit report as mine. Also, once a foreclosure would take place, another waiting period would begin before I could buy another home. Realizing this, I contacted a real estate agent and foreclosure lawyer and initiated a short sale XX/XX/XXXX. We are at the one year mark now and the process is still not complete. My lawyer has been great about keeping on top of this and trying to move it forward as much as possible, but the bank continues to delay the process. Many of the issues the bank has been bringing up simply are not applicable to someone in my situation. They have had me provide my budget several times and have asked for me to provide evidence of insurance on the home. I keep telling them that I surrendered the home in bankruptcy over 5 years ago. The bank is Carrington Mortgage. They took over the mortgage from XXXX XXXX XXXX. Please contact them and ask them to move the process forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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: Rent Recovery Solutions
State: GA

Complaint narrative:
In the summer of 2012, the company I worked for was shut down. Without work, I was forced to part ways with my apartment complex, XXXX d.b.a. XXXX. XXXX XXXX XXXX hired a CONTINGENCY based collection agency in XXXX, called Rent Recovery Solutions. I attempted multiple times to settle the debt with Rent Recovery Solutions, but they refused. I have not received any contact from this agency in over two years. I decided to call and offer to settle again, which they also refused. They informed me they did not purchase the debt, and therefore, do not own it. So I decided to call the original debtor directly to negotiate a settlement. As I found out, the original debtor, XXXX XXXX XXXX, filed for bankruptcy and dissolved in 2012. I spoke with the new property management, and they have no records dating that far back. There is not enough information to verify this debt exists any longer if the original debtor is completely dissolved and did not sell the delinquent account to Rent Recovery Solutions to collect. I contacted the collection agency again to discuss the matter, but they will not return my calls. Rent Recovery Solutions is falsely representing themselves as a 3rd party representative of XXXX XXXX XXXX, a company no longer in business. Without the collection agency purchasing the delinquent account, they have no right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
tried to get a modification through carrington mortgage services, that 's who services my loan. I am 7 years behind on payment do to lay offs, been working steady last 2-3 years making XXXX more dollars a hour then when I bought the house. I been trying to get a modification for years and no luck. I have filled out and sent back modification after modification to be turned down. XXXX tried to help, We had 2 meetings, 1st one carrington said it looked good and might be able to help us. 2nd meeting did n't say much, know I am heading for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
3rd party debt collections company XXXX XXXX XXXX claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I made my monthly mortgage payment ( due XX/XX/2015 ) to LoanCare ( XXXX XXXX ) on XX/XX/2015. I have a pdf of the bank statement showing this was sent ( provided to LoanCare ). The bank showed they did not cash the check so I had it resent. I asked them to remove the late charge from my account as I did send my monthly payment. 
LoanCare replied on XX/XX/2015 From : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXSubject : RE : Delinquent Notice in Error ( XXXX ) Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Delinquent Notice in ErrorDear Valued Customer, Thank you for contacting us. 
Our records indicate your mortgage payment was posted to your account on XXXX and was backdate to the date received on XXXX/XXXX/2015. Also the late charged of XXXX was waived off your account on XXXX/XXXX/2015. Please allow more time for your XXXX payment to post to your account. 
Please feel free to contact us if you have any additional questions. 
Sincerely, Customer SupportXXXX XXXX, VA XXXXOn XX/XX/2015 I received a mailed letter dated XX/XX/2015 that I owed a {$25.00} returned check fee. I emailed them on XX/XX/2015 and XX/XX/2015 ( as they had n't responded ) the following : From : XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Saturday, XXXX XXXX, 2015 XXXX XXXXSubject : Re : Delinquent Notice in Error ( XXXX ) Customer Support, I am now receiving a bill from you for a {$25.00} returned check fee ( letter dated XX/XX/2015 ). I do not understand why I am receiving this. You sent me a notice stating you never received my original payment. I had the bank cancel that check and reissue the same payment. You sent me the note below that the late charge was waived and now you are charging me a returned check fee. This is all due to your inability to cash a check you had for almost three weeks and sent me notices stating you never received it. Please remove this returned check fee from my account. 

Thanks, XXXXTo date, I 've received no response from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation