vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On one of those predatory subprime loans by XXXX with the first servicer being XXXX and then servicing apparently turned over to XXXX XXXX XXXX XX/XX/XXXX, with my mortgage allegedly being securitized in to XXXX XX/XX/XXXX ( purported loan closing XX/XX/XXXX ) there was a Trustee Sale XX/XX/XXXX and recorded in XXXX County. I have never been told who the true creditor is and that is a violation of TILA. The loan was not funded by the named lender XXXX XXXX. So the Trustee 's Deed has been recorded with a XXXX as being who is the purported new owner of the property since XX/XX/XXXX. 
I received an IRS XXXX form for that XX/XX/XXXX foreclosure sale and it lists the lender as being XXXX with the EIN matching that. Now comes XX/XX/XXXX and I receive another XXXX from a Specialized Loan Servicing for the same property/loan. However, I have not owed any entity any monies since the loan was extinguished by the XX/XX/XXXX Trustee Sale and the purported recorded property owner is XXXX since XX/XX/XXXX. Additionally, the original purported loan number was XXXX and the XX/XX/XXXX XXXX XXXX lists a different loan number and then yet a different loan number on the SLS XX/XX/XXXX XXXX. Additionally, the loan number ending on the Trustee Deed Upon Sale does NOT match the original mortgage loan number on the Note/Deed. I want the FDCPA and FCRA laws, which have be violated by Specialized Loan Servicing, to be enforced and they should be fined and the fine monies paid to me 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 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This email serves as an appeal for Paypal XXXX XXXX for a transaction of {$4900.00}. 
I am very disappointed in Paypal 's response and communication on the matter. I have spoken with XXXX account specialists that all said everything would be resolved within 72 hours. Case was ruled in merchants favor, even though I was clearly scammed through a merchant that is selling a faulty software that does not work and has not represented it correctly. 

In addition I have sent multiple emails and no response either. Being ignored is not appreciated by Paypal The transaction of {$4900.00} pertains to an automated futures trading software that was misrepresented and did not work with no results to back up the software. The merchant falsely submitted proof against me that paypal accepted and used to rule against my favor. After doing intense research on the transaction and the merchant I discovered the merchant fled the United States and now live in the XXXX after receiving death threats from former customers that paypal did not grant refunds for. 

In addition I was promised by a Paypal representative that Paypal would take my side on this issue. 

The attached proof shows that this merchant is clearly a scam and Paypal is not doing their job to protect the consumer. My next step in this case will be to send a legal complaint letter to Paypal. 

Other friends of mine have received refunds from XXXX. This merchant is clearly baiting and switching its clients to buying a useless and scam software. 

I have also filed a BBB claim regarding this issue, an FTC filing, and a complaint with XXXX XXXX. 

Attached is proof for my Case, and I hope to prevent any other buyers getting scammed by this merchant as he has abused the system. Also attached is an XXXX form against the merchant. 

You can reach out to me via phone or email. XXXX or XXXXXXXXXXXX. 

I will continue to pursue this case and have my money refunded, and pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX 's Office at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, XXXX. Keeps billing me and reporting on my credit report an outstanding balance for service that was not performed on me and the bill does not belong to me. The item should be removed from my report as its impacting my credit score/report negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I had no idea I owed money thought I was paid off said I owed XXXX and it 's almost {$800.00} now

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 2015-06-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Capital Accounts, LLC
State: NM

Complaint narrative:
I was contacted by a rep of Capital Accounts at XXXX on XXXX/XXXX/2015. I talked to the rep, told him I was disputing the debt and would be calling the original creditor. I called the XXXX to which the debt pertained and got a recording that they opened at XXXX. I then realized that I was contacted too early and called Capital Accounts back to complain. I informed the rep that he contacted me too early and that it was an FDCPA violation and he asked what law he broke. I told him " FDCPA, fair dept collections practices Act '' he then said there was no such law. I informed him there was and he was in violation and asked for a supervisor. I then spoke with a supervisor, XXXX XXXX, who did not apologize or acknowledge that my rights had been violated. He told me that I was in central time zone. I told him that I was in mountain that my address and phone number, though different states, are XXXX from mountain time zone. I asked for another person above him to speak with and he said they would call me back. When I did not receive a callback I contacted them again to write a written complaint and asked for their company information. I specifically asked for their company name, phone number, address, and website. The rep told me she could not give me that information and would transfer me to a supervisor during which time I was hung up on. I called back again to get the information and the rep refused to give me the information as the original creditor had already contacted them and there was no longer a debt to dispute. I told him I was not disputing the debt I wanted his companies contact info. After repeated requests he finally gave me the info. When I asked how to Spell Capital he laughed at me and said with a C. At this point I was at my whits end and I did inform him that capital is spelled capital or XXXX and I did curse at him due to my frustration. I have recorded all of these conversations is they would be of use during this investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Associates
State: NY

Complaint narrative:
I 've received several calls from piedmont credit and collection. They 've even began calling my precious landlord. I finally was just able to get ahold of the company and they had all of my personal info and told me that if I did n't pay {$650.00}, I 'd be served and taken to court. The person just kept saying " well see what the judge has to say. '' This is ridiculous.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 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: Coast to Coast Financial Solutions, Inc.
State: LA

Complaint narrative:
Debt should have never gone to a collection agency because there was no debt. XXXX did not know anything about this until I was getting a loan at the bank I have excellent credit. When I saw this collection from coast to coast for XXXX I investigated and found out alarm services turned in a collection saying I owed them XXXX for a digital monitor the equipment. I gave proof to them that both the monators were sent back and signed for by them on XXXX/XXXX/2014 with XXXX. serial numbers XXXX and XXXX Then the collection sent me an invoice trying to collect for it going to the collection agency which it should not have gone in the first place of XXXX saying this is a settlement offer. I told them that I was not going to pay for something that should have not gone to them in the XXXX place. Then they send me another invoice from coast to coast for alarm monitoring services for the amount XXXX that they are saying I owned them again. In the XXXX place I never got notice of oweing them anything in 2014 then they said it was for equiment they did n't get which I proofed to them they got which XXXX of there equiment was in XXXX package, how did they get XXXX without out the other, then they said it was canceling without notice which I gave them notice. This company has messed up my credit with there lies. I have all the paper work with this if you need it I can mail it to you I do n't know how to put it on here. I sent this to the XXXX and made a complaint to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) came to my grandparents ' home saying that I had been sued and that they were trying to serve me. They did not provide any validation notices, etc. They are using deceptive practices and probably engaged in the unauthorized practice of law. Called their offices. They said that this involves Kay Jewelers. I can not believe that Kay Jewelers would use a place that uses these tactics. When told that we would pursue an FDCPA suit, XXXX XXXX at the law firm said sarcastically " Good Luck. '' When asked to leave a message for the identified lawyer, XXXX XXXX, XXXX XXXX said that he probably would n't call back. XXXX XXXX of the same firm said he did n't know who XXXX XXXX was and would not connect me to a supervisor and XXXX said that there were no supervising attorneys to connect me to. It looks from this website that others have had similar experiences with these people. They claimed there was a XXXX XXXX XXXX lawsuit filed against me, but my lawyer has checked the dockets and none have been filed. These people and their tactics should be stopped.

Company response to consumer: Closed
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: HI

Complaint narrative:
I went to this XXXX around 6 years ago and before having any procedure performed my insurance was verified By the XXXX and after any procedure was done I had paid my portion of the costs. 3 months after the procedure had already been performed I had lost my job and the insurance company decided not to honor their portion of the bill. The XXXX decided, even though they had verified my insurance prior to the procedure, that the bill should land on me. It 's been in collection ever since. Also, the collector seems to be tacking on an extra XXXX dollars to the debt each year the debt is unpaid. I have not once been contacted or received any documentation from the collector. I only know about it because of checking my credit score. I had previously disputed this debt with the credit agencies, but for some reason it seems that the collector had provided some sort of proof. Regardless of what that proof is, I do not agree to have the responsibility of this debt. This XXXX had verified my insurance prior to the procedure being performed and I would not have had any procedures performed without having insurance in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
i have contact kay jewelery in reguard to my credit card account several times. I did not receive my XXXX statement and the only reason i did contact them is because i wanted to know the status of my watch that was getting fixed.come to find out they had my name spelled wrong and my address..when i asked more question they told me they would waive my late fee bu no interest. i let them know if i would have received my bill i would had paid my balance in full.. which i gladly paid, now i have a fee only balance and they are still refusing to waive the finance charges.

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 2016-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
I have a open collection for XXXX dollars from XXXX but I do n't have XXXX. Have n't received a bill. So I was wondering if it could be identity theft. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc.
State: NE

Complaint narrative:
I applied for a loan through SoFi. The advertisement says that Fixed rates are as low as 3.5 % APR. I applied for the loan and they were only able to get my 5.24 %. I called and asked a rep how they determine the score. They said a variety of factors such as job industry, duration of employment and a few others. However, my credit score is XXXX, near perfect. I explained this fact. That was barely acknowledged. 

I then asked what percentage of people have received a 3.5 % APR rate under their current offerings. The representative then said, " I have n't seen any applications with that rate. '' Under UDAAP, this may be considered a deceptive practice if no one can feasibly obtain this rate or SoFi knows that the amount is so astronomically low, that it is virtually impossible for any applicants to receive such a rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark financial calls me EVERY day, and twice on most days. I have never been more than 24 days late. I receive letters in the mail, constantly but because of the calls I have had to block their number and now they call from a private line that I can not block. This is infuriating!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Kia Debt collection has been calling my work phone twice a day for since the end of XXXX. This is not a debt from anyone in our company someone must have used our info. I have contacted them and talked to a supervisor to let them know that this in not a number they should be calling. they told me they can call until the person they are calling for updates the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Immediate Credit Recovery
State: NC

Complaint narrative:
I received a notice on XXXX/XXXX/2016 from U.S Government proposed wage garnishment - I called the # XXXX on the letter and spoke with a XXXX XXXX on XXXX she advised me I owe XXXX and they are garnishing my pay if I do n't respond by XXXX/XXXX/2016 - I sent a letter for a hearing certified mail as to which I have the receipt proof of this date, 7 days later they sent a garmnishment letter to my employer XXXX XXXX I received no chance for a hearing nor did they provide me with proof this loan and amounts are valid, today is XXXX XXXX, 2016 and still no hearing, I am writing to you because I believe this " collection agaency " is committing fraudulent acts and has garnished my pay which is causing a severe hardship on my family since I am the sole income earner. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Collections Enterprise, Inc.
State: WV

Complaint narrative:
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-08 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: Stellar Recovery, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XX/XX/XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX. ( XXXX ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I have an open loan with Lendmark financial in XXXX XXXX XXXX my wife was checking my voice mail over the weekend and the office left a msg on my voice mail that they was calling about my XXXX payment and where they was calling from, this broke the privacy policy, which cause a lot of problem 's at my house

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: LA

Complaint narrative:
I have been the Victim of ID Theft and have a fraudulent loan with a company called SOFI. I have disputed this fraud account so many times I 've lost count. I contacted the creditor and felt like they could care less about helping me resolve this matter. they did n't even know if they had a fraud dept. How sad is that? I have sent police reports aswell as other documents to them and they totally ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I moved from my apartment and called XXXX and canceled my service and returned the equipment. They continued to charge me without my knowledge. Only found out about it after it went into collectins. This collection company has been basically harassing me for years now. Have spoken with them multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
I have been receiving calls from this collection agency, EVERY day at least once a day for well over a month now. I did answer over a month ago and let them know I lost my job a few months back and that I would pay the past due cable bill directly to the company it is owed when I receive my taxes, which I have not yet received. I also have made XXXX small payments towards this bill and mentioned to them that I was paying it down when I was able. I also answered XXXX of their calls two days ago and told them to cease and assist, they hung up on me and proceeded to try again the next day. It 's getting really irritating and they call sometimes at XXXX when my kids are asleep.

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