vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 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: Ascension Recovery Management
State: CA

Complaint narrative:
I had a car impounded that was not in my possession on XXXX/XXXX/XXXX by XXXX and towed by XXXX XXXX and was not notified of the impound by XXXX XXXX. Everyday the car is held there is {$33.00} in storage fees assessed. The first notice received was from the DMV for a lien sale 84 days later with incorrect fee information at {$230.00} and no tow date to verify the fee was correct. At that point had racked up almost $ XXXX in fees. Since then the car has been sold and the balance that was left after applying what the car sold for was sent to collections in the amount of {$2100.00}. 

I sent Ascension Recovery Management a letter via fax on XXXX/XXXX/XXXX disputing the debt on the grounds that I was never notified by the original creditor XXXX XXXX that they had the car impounded and was only notified by the DMV almost 3 months later. 

I received a call back within the hour from someone that worked for Ascension who quickly escalated the call to XXXX, a supervisor. XXXX stated that she could validate the debt by what was required by law by CRA Debt Validation form but would not do anything more beyond that. I asked for a copy of the original letter of notification from XXXX XXXX letting me know that they had my car impounded. She said that she does not have a copy of that and believes XXXX XXXX does not have a copy of it either. I spoke to XXXX XXXX in the previous month and they did state that they in fact do not have a copy of the letter I am requesting. The reason I am asking for a copy of this letter is because I am suspecting that it was sent incorrectly to the address the car was previously registered to. When I spoke to XXXX, she confirmed the number on file was the phone number attached to the old address, not what I had updated the DMV with on XXXX/XXXX/XXXX. 
I tried to reason with XXXX letting her know that what I wanted was a copy of the original letter notifying me that the car was impounded with XXXX XXXX near the date of impound as required by law. With that letter we can validate the debt to being mine and correct. If I received this letter I would not dispute the collection. XXXX stated that they would not send me a copy of this letter nor would they remove this collection from my credit report. She said I had to wait for the collection to go away on its own ( which it will in a few months ) She got frustrated going in circles with me so she said " had a good day '' a few times and hung on me. I come from a customer service background and hanging up on a customer is not an appropriate response to conflict. I could understand a hang up if I was being rude or disrespectful. I felt like she was treating me like I was making a frivolous request, especially after she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I filed a complaint with your agency with a reply that it is closed because of authorization reasons. XXXX I have submitted over and over again to Bayview information that I am the conservator for my dad. I have the legal papers that I have sent them. My attorney has sent information to them to show that I am the legal representation for my father. HE HAS BEEN declared incompetant two years ago. We have filed in court and had court papers served to this company to show that I AM the legal representative for my dad. This company has not asked for or responded in any way to me or to a court order. 
This has been going on for 6 months. I can fax anything that is needed to them if they would just contact me. I ask that this be reopened and sent back to the company. My dad is not able to answer any questions or sign anything on his own behalf. This is a way the company is just not doing anything to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Hunt Leibert Jacobson, P.C.
State: CT

Complaint narrative:
The law firm Hunt Leibert Jacobson PC ( HL ) and it attorneys are using the superior court of XXXX to bring fraud upon the court through a foreclosure to execute theft of real property. The Maker of the Note and Mortgage is deceased. The firm named as the defendants the beneficiaries who are not on the documents of the complaint, and have only an inchoate interest in the property. XXXX statute 802b requires all claims on real property to be filed in writing with the fiduciary of the probate court. HL nor the plaintiff have filed a claim with probate. XXXX statute asserts all property is under the jurisdiction of the probate court, Federal Statute does not allow a man to have to pay a dead man 's debt. HL has a motion of default for failure to plead, and a motion for strict foreclosure to deceive the defendant who appeared into believing, and thus consenting that he must pay the dead man debt. The defendant has filed notice into the court that he is not the owner, and can not be responsible for this debt. HL is using procedure to deceive the defendant into the loss of the property. Rescission was mailed pursuant to TILA. XXXX v XXXX XXXX XXXX XXXX XXXX settled that rescission, right or wrong, voids the mortgage and the note, and the lender/creditor must perform bring a non foreclosure lawsuit to prove their claim against the maker of the mortgage and note. HL and the plaintiff did not file a claim against the rescission Instead they used the prima facie documents in a foreclosure suit, after rescission, with the knowledge the note and mortgage are void by operation of law. The foreclosure suit was filed in the name of a plaintiff that had ceased doing business, rather than the name of the correct entity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
Gamache & Myers has a judgement placed against me for the amount of {$14000.00} Missouri case no XXXX and offered a settlement of {$6000.00}. They told me with payment of this settlement I could obtain a satisfaction letter from the courts within 30 days but most of the time it goes out sooner. They are now refusing to send a satisfaction letter within this time frame to either myself or the courts. I have requested from them 4 times a letter of satisfaction or to just tell me when they are sending it to the courts and they refuse to give me a date when this letter of satisfaction will go out and the only thing they will tell me is that the process will start after 30 days. This was clearly not the original information they gave me. If i am not in possession of the settlement letter by XX/XX/2017 then I will be unable to close on my mortgage that is set for a closing date of XX/XX/2017. I have contacted my local court and they informed me that a satisfaction letter should be sent out immediately by them once our funds have cleared. Each time I call Gamache & Myers they are rude and tell me they can not understand why I have called 4 times asking the same question. I have attached a copy of the settlement letter along with copies of the cleared check that was paid to them on XX/XX/2017.

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 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This is a Business and they called asking for a individual who does not work here. They would not identify themselves, the company and just hung up on me 2 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 2015-10-31 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
Essy money I have an loan out. Yes I 'm late 4 days. The first time someone called me from the corporate office I told them I would be in on my next payday which is XXXX XXXX she told me she could n't stop it from going to my account again. I said ok. She told me she would enter it in the system. Someone called me back to back the next day from a different number from the day before. I picked up and she asked if this was me.. I told her yes could I call her back I was with an customer at work. She told me no you can not. I asked who she was with and she told me easy money. I told her someone contacted me yesterday she interrupted me and tod me I needed to pay and I can use a debit card!! They need to get it together. I work for an loan agency when someone puts a promise to pay we can not keep calling them once we contact them. Unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
Please do not eliminate limits on borrowing funds for Pay Day Loans. We have at least several employees in my company that depends on this loan to pay their rent and use for emergency. Eliminating this service would cause many people hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Lenders charge caused bank charges and overdraft ... after I ran into difficulty making my full payment due to my Daughter being ill..Every two weeks when I got payed I called and made arrangements to pay down balance on loan..which I have been doing since XXXX ... but at the middle of the week before my pay day..an unauthorized draft was sent to my bank ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 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: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
XXXX Monarch Recovery Management called my mom 's phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
This is reference case # XXXX. I did n't know how to amend the complaint with additional information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned their Mortgage to Bay View Loan Servicing, LLc, and it was recorded. 
Bay View Loan Servicing LLC. assigned the Mortgage to XXXX XXXX XXXX XXXX. 

The assignment was not recorded with the register of deeds. XXXX XXXX closed our acct. as their lien was extinguished. However when a title search is conducted, Bay View shows up as a lien holder on the property. We can not get a loan or sell the property with this showing up on the title search. 
Please, how do we rectify this? The Lien is Extinguished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: NE

Complaint narrative:
My name is XXXX XXXX XXXX, Today I pulled my credit while applying for a new home loan, and found that XXXX was reporting me with an account in collections. I live and have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past 15 years. I was told that this account was set up at an address of XXXX XXXX XXXX XXXX XXXX. This account was set up under the phone number XXXX. That is not my address nor my phone number, I called the collections company and dealt with XXXX different people that all told me that I should just pay it. On the 6th attempt I talked to a lady who said she would get it added to the fraud list, but I am not confident that happened. I then called XXXX, the first person I talked to said to pay it and then he could transfer the service to my new address of the home I am trying to purchase. I called back a second time and talked to XXXX in financial services who said there was nothing he could do to help me, but told me that I could just pay it and get new services started at my new address. I have never had a property in XXXX nor am I going to pay a bill for services that I never had. The third time I called back I talked to a lady that said she would be able to put the account in fraud status but was n't confident that it would go through because I did n't know some account code number that I would 've received when starting the account, which of course I did n't so I would n't have the number. I feel like I am getting the runaround from XXXX and stellar recoveries and no one will help me, and now my credit is affected and I am not able to close on my house per the original agreement. My closing is now in limbo till this problem gets resolved. Fraudulant account address : XXXX XXXX Acct/Phone number 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 2016-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have always paid my bills on time. In XXXX, however, my business suffered a severe financial crisis and had to declare chapter XXXX. My HELOC was discharged but we wanted to keep the house and so since then I have been working very hard day and night and have been paying my bills on time. I voluntarily caught up the payments on my HELOC in XXXX and then it was sold to a serving company who resold it to SLS. I have continued making on time voluntary interest payments for the past 5 years and have never missed a payment or been late. In XXXX XXXX the HELOC reaches 10 years and I will owe {$730000.00} balloon payment. There was a clause in the original contract that they have the option to refinance. 

I called SLS XX/XX/XXXX to ask them if I could refinance in good time so that we do n't wait to the last minute and have any problems as I can afford the monthly payments, but not a lump sum of {$730000.00}. The person who answered seemed very unknowledgeable and incompetent and said because it was discharged I could not refinance. ( But it was discharged and they have happily taken my voluntary interest payments ). I was told to write a letter with my request and they would get back to me in 5 days. I have faxed the letter and mailed it and they are ignoring me. 

I am feeling like they are loan sharks who took over the loan, and have been taking my interest payment money while waiting for the balloon payment to come due, and then instead of working with me to try and extend the loan or refinance the loan, they are just waiting to pounce on it and take it from me as soon as the balloon payment date arrives. 

We are trying to refinance through other banks and this could very well happen, but just in case it does n't, I need to keep all options open, and I wish they would cooperate with me, be reasonable and discuss our options, so we can get this taken care of in good time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 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: TX

Complaint narrative:
attachment : pg XXXX shows credit of disputed bill - pg XXXX new address and account # with disputed amount credited - pg XXXX previous account number will bill in dispute. ///// I disputed this bill and was given credit on my account. It was a move and transfer request that was fouled up by XXXX XXXX XXXX. The credit amount ( XXXX ) is not exact because of taxes or some other internal computer function, I suppose. Stellar Recovery also rounded to the amount owed as {$67.00}. 
When the issue was correct at the XXXX office with a representative I showed her the notice that it was going into collection but they did not follow through as they should have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST HORIZON BANK
State: CA

Complaint narrative:
First Tennessee Bank had this account charged off, closed, void and released back in 2012, however they continue to report this account as BALANCE DUE AND PAST DUE account on my credit report.. which is damaging my credit ratings and has been causing me a lot of financial distressed. I find this to be a violation of my consumer rights when the bank states they charged off this account, no longer want to collect on it however keep reporting it on my credit report EVERY MONTH as a closed account with past due balance. I have been trying to resolve this issue with them for 4 months now, was told to submit a request in writing which I did 4 times now ( see attached ). They claim NOT to have received my letters and NOW they are ATTEMPTING TO COLLECT DEBT ON THIS ACCOUNT BUT CALLING ME NON STOP AT ODD HOURS OF THE DAY ... .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 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:
THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL

Complaint narrative:
Collection agency ( XXXX XXXX XXXX ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of Blatt, Hasenmiller, leibsker & Moore LLC. They sent me a notice of motion I do not know if it is legit or fake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
The company STELLAR RECOVERY INC has sent several emails threatening to have me arrested also to freeze my social security number and benefits as well as inform my boss and family that i owe money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Lendmark Financial Services
State: MD

Complaint narrative:
An employee at Lendmark Financicial named XXXX hung up on me and refused to discuss my account kept calling my place of employment about a debt that is past due a few days. when I asked her not to call my employer, threatened to take legal action to make me and hung up again.

Company response to consumer: Closed
Consumer complaint received 2016-12-13 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: Stellar Recovery, Inc.
State: NE

Complaint narrative:
XXXX/XXXX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

After receiving my initial request, the company stopped reporting the information. This month, however ; they have begun reporting the information again without providing any validation of the debt. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: OH

Complaint narrative:
I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ATG Credit, LLC
State: NC

Complaint narrative:
XX/XX/2016 the company listed in the attached letter showed up with collection amount in my credit report. Since I had never had contact with the company I did n't know ( and I still do n't know ) the reason for the collection account. I called the company asking for a verification of the debt and instead I received a collection letter asking for payment but no validation of the debt. I sent the company a letter requesting verification of the debt. To this day they have not responded to my request. In addition, the company is not legally authorized to collect debts in North Carolina.

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