vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Asset Acceptance LLC has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with Asset Acceptance. I have asked to see a contract that requires me to do business with them and they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Despite my sending a letter prohibiting calls to my place of employment, and notifying collector that my place of employment does not permit such calls, debt collector continues to call my place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Control Systems, Inc
State: NY

Complaint narrative:
While reviewing my credit report, I noticed that a collection has been reported on my file by ACCOUNT CONTROL SYSTEMS, INC. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that ACCOUNT CONTROL SYSTEMS, INC., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
this debt collector of RS Clerk and associates of phone number XXXX had somehow threaten me by perhaps contacting my apartment complex as the third party to stop my XXXX housing assistant. the landlord will not give specific probable cause. because I was not in violation of my XXXX. this XXXX accountant of address XXXX, XXXX , Texas XXXX, phone number XXXX of XXXX I must paid {$850.00} left that i could not paid monthly of {$50.00} anymore. just because the XXXX accountant could not wait every month anymore. the debt collector will not accepted a lower amount of {$30.00} or {$40.00} a month. I do work part time and had problems getting my Social Security XXXX benefits started again and other bills had to paid. but perhaps to contact my apartment complex third party to stop the XXXX should have no civil right of this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is my second complaint. I opened a loan with XXXX college XX/XX/XXXX. The notation on their trade line on my files is : " First payment never received ''. This means my first delinquency date was XX/XX/XXXX. I never rewrote this loan, made a payment on this loan or did anything on this loan. 
XXXX reported it as a collection after receiving no payment XX/XX/XXXX. ( That notation is on the paperwork attached ). Of course the delinquency date was still XX/XX/XXXX since NO PAYMENT WAS EVER MADE. To illegally manipulate the bureau 's obsolescence programs and VIOLATE FEDERAL LAW they changed it back to 180 days late in XX/XX/XXXX. Apparently so that this stays on my credit file for the rest of my life. 
I filed a complaint and all Experian did was tell CFPB that they sent the dispute to XXXX and XXXX verified it was correct. ARE YOU KIDDING ME? THIS IS SIMPLE MATH PEOPLE. NO PAYMENT SINCE XX/XX/XXXX ... changed to collection and then back to 180 days late. DO I HAVE TO SUE Experian TO GET THEM TO OBEY THE LAW? 
Please pay attention to the historical payment detail attached and force Experian to obey the law. 
You folks really should publish this one. I understand this manipulation of account status is the number one way companies keep things on people 's credit reports for the rest of their lives.

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 2015-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: RMB, Inc.
State: AL

Complaint narrative:
A man called from a company called RMB - which I am not familiar with - and asked me to verify the last XXXX digits of my social security number. I asked why. He said " it is a personal matter. '' He told me the last XXXX digits of my social and again asked me to verify that those were mine. I again said, " why do you want to know? He said, " it is a personal matter. '' I told him I would not verify, so he hung up. My husband called the number and spoke with someone there who would still not disclose why they called me. Or what the business matter was. I only know they are a debt collector because I looked up the company online. At no point did the caller identify himself as a debt collector and he revealed my personal information without verifying who he was talking to. I am wondering if this company is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I noticed this inquiry on my XXXX credit report, I called this Barclays Bank they could n't find anything, the customer service representative told me it will be removed. I got my up to date credit report from XXXX it 's still on it. I then sent a certified letter and they responded with a letter saying that they received a on line credit application for some type of credit I 'm not sure of what type of credit. They 're just telling me they verified the information on the application. I do n't know this bank/ company never applied for no type of credit on XXXX/XXXX/16. I 've been a victim of identity theft and that 's why I requested my credit reports from all XXXX agencies. This isnt me they wo n't show me anything showing they verified this and it belongs to me.

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 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Our XXXX mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The XXXX mtg was sold several times. The XXXX account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Debt has not been accurately verified. They have not produced a contract with my signature as requested.

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 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Re : XXXX XXXX - {$8300.00} Again, I am requesting that this entry on my CR be removed immediately. 
Experian has refused to show any physical signed documentation that this belongs to me. 
I am requesting that you show, this being valid and belonging to me with signed paperwork. 
If you can not show this, this entry will be removed from any report with my name and social security number.

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 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
I went to XXXX a few years ago for a XXXX. XXXX told me before he can look after me they would need to contact my insurance company and after he get approval of payment his office would call me and schedule a date for me to come in, I payed my copayment, and lefted the office. Two weeks later I receive a phone call from XXXX office with a date and time to come in, I went into the office payed another copayment. They told me my insurance approve my procedure and I do n't have to worry.I taught everything was fine, never heard back anything from the office, nof phone calls or anything. Now two years later I received my credit my credit report and they are charges of collection agency called A-1 COLLECTION SERVICES in regards to three sets of payments, {$660.00}, {$550.00}, {$81.00} was reported on all three credit bureau which drop my credit scores to a terriable low number, I am in the middle of purchasing my fist home, and this will harm me a great deal. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: Talbot, Adams, & Moore, Inc.
State: NC

Complaint narrative:
Debt collection is reporting same debt info to collection agents again and again. I paid complete amount and removed from the report last year but again they reported on XXXX 2015.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: AR

Complaint narrative:
On XXXX, XXXX, I called Selene Finance concerning the mismanagement ( XXXX up ) of my Mortgage payments from XXXX. I insisted on a supervisor, was given XXXX, who assured me it had all been straightened out. I requested in writing. I also noticed on my XXXX Mortgage Statement ( only the XXXX I received after a year XXXX with their company ) that there was a charge under " Corporate Advance ''? I asked what that was for. He responded that it was for Attorney Fees in regards to my Bankruptcy. Now mind you, I filed for Bankruptcy in XXXX of XXXX and my home was NOT included in the BK ( my mortgage was with XXXX XXXX XXXX at the time ). In my mortgage file at XXXX there were all the necessary documents from the Judge & my attorney stating my home was not included and when my loan was bought by Selene Finance, I made sure that file was faxed over to them in XX/XX/XXXX-Selene confirmed that they had it, but because I was in BK, I would not receive monthly statements. My BK was completed in XXXX XXXX and I had my attorney send the letter from the Judge stating that and now I want my monthly statements. It took them 3 months to do that. I also checked with the Court & my Attorney-Selene Finance had NEVER had an attorney inquire into my BK. AND if they had, why was I NOT notified that there would be cost to me??????? XXXX told me I needed to send in an email disputing the " Corporate Advance '' charges, which I did on XXXX XXXX, because I had NOT been receiving statements, how long they HAD been charging me and WHY they would still be charging me when my BK was completed 3 months ago? I called Selene on XXXX XXXX, because I had not received a return email ( at least stating they had received it and were working on it ) XXXX stated a computer generated letter was sent to me on XXXX verifying they had received my email and that FEDERAL LAW requires SELENE Finance XXXX to respond within 30 business days. I did receive that on the XXXX ... ..It has NOW been XXXX BUSINESS DAYS and I have not had ANY response! So, I called Selene this morning to find out why-was transferred to XXXX ( supervisor ) who had NO answer but was going to email the Loan Resolution Dept and apologized. I told him according to his companies letter, Selene was NOW in violation of the FEDERAL LAW and I am NOT going to go through a five year nightmare like I did with XXXX. So, here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: CT

Complaint narrative:
My husband and I applied for mortgage assistance through our lender, Selene Finance, on XX/XX/XXXX. Our mortgage company contacted us yesterday, XX/XX/XXXX to tell us that we have been denied and that the reason for denial is that we do not make enough money to get assistance. We were told that our investor, XXXX XXXX, had made the decision to deny us ( which is untrue because it says right on the XXXX XXXX website that they are only the guarantor and do not make decisions of this caliber ). When I asked for the phone number for XXXX XXXX so I could call them, I was provided with the XXXX phone number and was told it was the HUD phone number. My husband and I have been going through some serious mortgage issues since about XX/XX/XXXX and every time we 've gotten close to having our issue resolved, our company has been seized by the government and we 've been transferred to another lender which has forced us to begin the entire process from scratch each time. We currently owe about {$240000.00} on a house that is only worth about {$150000.00} and we were looking for " HAMP '' style help to reduce our principal. My husband and I both work full time and we are both veterans. How is it possible that we do not make enough to receive assistance? If we made more money, we would not need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: Carter-Young, Inc.
State: NY

Complaint narrative:
Was contacted by a lawyer representing an apartment leasing company that I had rented from XXXX XXXX to XX/XX/XXXX. They are attempting to collect {$870.00} for XXXX XXXX rent even though I had vacated the property at the end term of the lease. They have threaten to now ruin my credit by not paying them for rent I do not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I paid a judgment XXXX from beneficial finance served by XXXX and XXXX. this was the amount specified on he judgement from XX/XX/2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SIMM Associates, Inc.
State: MI

Complaint narrative:
Simm Associates, Inc. ( XXXX ) XXXX contacted me regarding a private student loan. My daughter has several private student loans cosigned by other people. I have cosigned for my daughter but am unable to pay the delinquent payment. Simm Associates contacted me at my husband phone number I told them contact me on my cell phone number only. 
When they contacted me on XXXX XXXX, XX/XX/2015 at XXXX, the representative said I owed them {$87000.00} dollars of which I cosigned in my name. This is extremely untrue. 
I am not a cosigner for {$87000.00} I want them to stop calling me and send me emails only. Also, I want to send any funds to XXXX the originator of my loan in which I cosigned for daughter which totals {$16000.00}. I am no able to pay the full amount but would be willing to make a payment that is reasonable due to my financial circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Law Offices of Donald R Conrad P.C.
State: MI

Complaint narrative:
I had my son 's lab work done in XXXX XXXX in XXXX XXXX, MI. I intended to pay on spot, but they did n't take the payment since it was near the closing time. Today I received a letter from Law Offices of Donald R. Conrad in XXXX MI that XXXX reported me to them for collection. I see that in the address my apartment number is wrong! 

Now I realize the clerk at XXXX must have entered the wrong apartment number. Since I did n't get any paperwork on that day, I was not aware of the mistake. They sent the bill to the wrong address and without even giving me a call, they sent it to the collection agency. And it is just {$45.00}! There are so many bills I need to pay, I rely on the service companies to send me bills and I pay them on time. 

I called the lawyer office, it goes to a voicemail, telling me to leave a message. But the prompt keep repeating and does not take any message. I then went their online payment system and made the payment. 

XXXX first entered a wrong address for me, did n't call me i.e., they did n't utilize all contact information I gave them, and then sent just {$45.00} for collection. It is a very aggressive and unfair treatment to their customer. It was not the first time we went there, and we paid dues in time all the other instances. I am really worried they are going to cause a dent in my credit history through their atrocious act. Not to mention they shared my information with a third party in the process. 

The Law Offices of Donald R. Conrad also did not bother to contact me via other means. And they set up a faulty telephone system where you are prompted to leave a voicemail and no voicemail is taken. 

XXXX these offices lack commonsense that a clerk may enter a wrong address and they should try other methods of contacts first. What if I missed this letter too? I see someone corrected the account number by hand this time. 

Also XXXX has a faulty system where they have to take information in every service point. We went there several times. Had they have a central system for contact information, I did n't have to deal with this. They could pull my information and verify with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: CA

Complaint narrative:
I got a mortgage in XXXX through XXXX XXXX, It was transferred to XXXX and then XXXX XXXX XXXX. I filed Chapter XXXX bankruptcy in XXXX XXXX. At that time XXXX was included to cover arrears. They were also paid interest on top of the arrears principle. I made all of my regular mortgage payments during the 5 years of the XXXX XXXX. The loan again transferred to Selene Finance who held the serving at the time of discharge of the XXXX plan which was in XXXX XXXX. It appears that they did not apply any of the monies they received to my mortgage. They sold the servicing to XXXX which is a collection company. 
XXXX says I am 10 months behind on my Mortgage but I have made my payments each and every month.

Company response to consumer: Closed with explanation