vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-25 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: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I want to file a complaint against this collection agency XXXX American Collections Enterprise Inc XXXX I requested a debt validation because these accounts just appeared on my credit report without any written notice to me or how I can dispute the debt or seek verification after five day of our initial contact, which is a violation of the Fair Debt Collection Practices Act section 809. They also stated to me that they were not the original creditor. 
Furthermore ; I do not think that I owe these debts. I spoke to XXXX XXXX who was very rude and would not provide me with the information that I requested over the phone, pertaining to which XXXX accounts numbers were listed on my credit reports, she said there was XXXX accounts that I had with them and all XXXX was on my credit report, which is not true. XXXX XXXX and XXXX XXXX was very evasive when I inquired about these accounts and not straight forward. XXXX XXXX and XXXX XXXX also told me that these accounts been on my credit report for years, which is not true. If you refer to the attachments that I provided, ACEI place these XXXX accounts on my credit report on XX/XX/XXXX. The Original Creditor that is listed on my credit report is ( XXXX XXXX which was purchased by XXXX back in XX/XX/XXXX. I contacted XXXX XXXX Maryland on XX/XX/XXXX and they could not provide me with any information on any of these accounts. As I 'm typing this letter to you I still have not receive any written notice or debt validation from American Collections Enterprise Inc to this date. 
I would like all contact from them to cease if they can not provide me with some validation and proof of them owning my account. I also want all accounts from ACEI removed from my credit report ASAP. I also filed a complaint with BBB Better Business Bureau which they responded saying that the validation of my debts were mailed to me on XX/XX/XXXX, which is a lie. I would like them to provide me with proof that they mailed me anything on XX/XX/XXXX Better yet, I would like them to mail me the debt validation again via priority mail asap. 

Please see all of the correspondence and attachments between us thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: LOAN TO LEARN
State: MD

Complaint narrative:
In XX/XX/XXXX wife and I filed bankruptcy trying to help my mom when in the hospital Moved to XXXX for new job and finished paying bankruptcy XX/XX/XXXX -XXXX EduCap garnished my wages to where I could n't afford my mortgage and have to file bankruptcy again. Now I have a lien on my house and I can not sell my house because of a new job waiting for me in XXXX. I would like to work with EduCap to settle my debt but they wo n't even talk to my bankruptcy lawyer. I 'm not trying to get out of paying my debt but I am asking for help so that I can pay EduCap off as soon as possible. 
If I ca n't sell my house I will have to forclose and I 'm trying not to go there It would be better for me to sell my house and give EduCap any profit I make on the sale. 
All I 'm asking is to work with me so we both can move on with life. 
Thank you for any help and support you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
a charge from XX/XX/XXXX for comcast cable was proven in XX/XX/XXXX to be an ID theft charge and was finally dismissed. Well now sterler or steller resources recovery is now again trying to recover payment for this debt and filed on my credit report that I owe this charge. I do not know what there problem is or if it is XXXX. But i am sick and tired of this, 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 2016-07-07 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: Stellar Recovery, Inc.
State: MI

Complaint narrative:
This is a debt from XXXX XXXX, when our home was foreclosed on the equipment for XXXX was left in the home. We could n't go back and get it so XXXX charged us for it. We wrote XXXX and explained the circumstances and that they needed to contact the bank to get access to the equipment as we could n't so how could we be charged? This debt collection agency must have just recently purchased the account, has not sent me any letters but it appears on my credit report as a NEW account with a XXXX open date, when clearly this account will soon be at the 7 year mark and would be removed from my 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 2016-02-08 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: Stellar Recovery, Inc.
State: UT

Complaint narrative:
I had my XXXX services back in XXXX and had services bundled internet, cellphone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My family and I decided to downsize and move. When we moved we removed TV and Cell services and only had internet. Months later I found I had a collections account through Stellar Recovery, Inc. for XXXX for XXXX XXXX I called XXXX and found that the service was for cell service, which was through XXXX. So I called XXXX and was told that they were showing all XXXX amounts were current and paid, however XXXX was showing otherwise. By this time it was to late and was already reporting negative on my credit. I recently disputed this with XXXX XXXX, and XXXX. XXXX had the accounts removed after investigating while XXXX showed it to be still reporting. I refiled an investigation with XXXX today. I do not owe this money ( XXXX $ ). This was a miscommunication issue between the XXXX companies and am not liable to pay this as I did pay in good faith. I would like this to be removed entirely for all XXXX bureaus on my credit and investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lendmark Financial Services
State: NC

Complaint narrative:
A loan office employee approached XXXX of my coworkers while they were outside on their lunch break in front of our place of employment and asked them, " Do you know ' [ first and last name ] '? She owes us money and I know she works for this company, but I did n't know if this location or not ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 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: UT

Complaint narrative:
I received a collection letter on XXXX XXXX XXXX from Stellar Recovery INC stating that I XXXX to XXXX. I did not receive notice of the right to dispute. I am buying a home and it hit my credit which now has prevented me from buying. I have had the same phone number for three years and when I called and talked to Stellar I spoke with XXXX individuals there. I have the conversation recorded. Both of whom told me that they were not obligated to send out a validation of debt letter. I have not used XXXX XXXX for over 4 years. Had I known that I even owed the debt I would have just paid it but I had no opportunity to even have that option. It hit my credit in XXXX XXXX and then I got the letter stating I owed them money in XXXX 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 2016-08-09 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:
Stellar Recovery, Inc has continued to collect a debt from me that I never owed them. I never established a contract with this company and they stalling to remove all the negative items from my credit reports immediately. They are in violation of the FCRA and the stature of limitation are up on the suppose debt and it not my debt and no longer collectable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XXXX/XXXX/16 I withdrew {$600.00}. from an ATM like I always do. My receipt said I had {$20000.00}, which was correct. 4 days later when I tried to get money out to pay for car repairs my balance was {$250.00}. I immediately went to bank and reported this. I was told the back would give my money back while they did an investigation. 2 months later still no money. I had my card in my possession on XXXX/XXXX/16 but someone had already been stealing money from ATMs and making purchases using my card number since XXXX/XXXX/16. ( These transactions did not show up on my ATM receipts so I had no knowledge of them ). I have been to First Tennessee Bank at least 20 times and have submitted all the information they requested and have talked to XXXX police and security at the bank dozens of times. I have a {$600.00}. 
limit I can get every day, but First Tennessee let someone get more than that multiple times without my authorization. I have no car, my health and car insurance cancelled, phone cut off, no place to live, and no way to work for 2 months. Last time I talked to XXXX XXXX in the XXXX FTB Security, she told me they ca n't discuss MY account while the investigation is going on. I even gave them the name and persons address who used the card on multiple occasions, and they did nothing. I do n't even have XXXX cents to call them or catch a bus to a nearby branch. They have ruined my life for 2.5 months and do n't seem to care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05 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: OH

Complaint narrative:
XXXX HAS CONTINUE TO REPORT AND ACCOUNT THATS NOT MINE THIS IS BEING REPORTED TO XXXX, XXXX XXXX THIS INFORMATON IS INACCURATE!. LOWERING MY CREDIT SCORES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I have a personal loan with SoFi. On XXXX XXXX, XXXX, I made a payment to pay off this loan in full. I then cancelled the automatic direct deposit that had previously been connected to my account. Sometime after XXXX XXXX, XXXX that payment was rejected. Upon being notified that the payment was rejected, I initiated a wire ( with wire instructions provided by the customer service representative ). This wire was initiated on XXXX XXXX, XXXX. It is now XXXX XXXX and that wire has still not been applied to my account. Not only has the wire not been applied by SoFi reached into my checking account and took out a monthly payment inappropriately on XXXX XXXX. Regarding the wire not be applied - I have called or emailed almost daily about this matter. Each time, I have to speak with a different person and have to explain the scenario over again. I have had multiple people tell me that they will call me back " today '' or " tomorrow '' and I never receive a call back. I have had multiple emails to customer service not been returned. Regarding inappropriately taking almost {$400.00} from my account, the customer service representative told me that it was my responsibility to turn off my direct deposit. I was able to show him that I did indeed turn this off. This was evidenced by a XXXX XXXX payment NOT taken from my account. He then told me that he would speak with his manager about issuing a refund and would " call me back tomorrow ''. I never heard back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK
State: KS

Complaint narrative:
I signed up for a first tennessee bank checking account earlier this year, thus a XXXX Inquiry was initiated. I was told many times that I had met the requirements for this new checking account bonus via their secure message yet I was n't credited the bonus. 
I gave up on the bonus part of it awhile ago, but right now all I want is the XXXX inquiry for First Tennessee Bank removed off of my credit report. I think that would be fair considering what I went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IN

Complaint narrative:
FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, XXXX ONCE AGAIN VIOLATED DODD-FRANK ACT OF 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
This company continues to contact me at work after I have indicated that I should not be contacted at work. 

I requested all contact be in writing but they continue to call. 

At first it was a male calling me and I informed him I would contact the doctor 's office and he told me people like me was causing this doctor to almost have to close his doors because we refuse to pay our bills. Again I told him I would call the doctor and he said the doctor 's office did not want to talk to me. This is ridiculous considering I do n't owe this company anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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: NM

Complaint narrative:
Stellar Recovery Inc. has placed a collection report for {$100.00} on my XXXX report as of XXXX/XXXX/2016 with no communications via mail or phone. If they claim to have notified by mail, I have not received 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 2015-07-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Associates
State: VA

Complaint narrative:
There are XXXX medical collection that were paid from a judgement placed on my ex husband. Both have been paid off for few months. His credit report has them closed. Mine still has the same debts as open with full amounts owed. I contacted Piedmont credit collections that was listed beside the collection accounts. They acted like there was no information about it in their computers. I know they have handled it, because I contacted them and asked about how it would be handled when my ex got an email from his work about the garnishment. They had the information about it then. I even asked for any other info needed to pay off other items in my name and got the account numbers needed to pay those off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Lobel Financial increased the amount showing for a charge-off on my credit report from {$6900.00} to {$12000.00} without reason. During a phone conversation with XXXX in the legal department on XXXX at XXXX she explained that I had paid the balance of the vehicle down to {$6900.00} and the vehicle was sold at auction for {$3500.00} which meant the balance should never had doubled on my credit report. I never received a notice that the vehicle would be sold at auction and the vehicle was returned in XXXX of XXXX. Also, they never sent me a surplus deficiency letter, so I did n't know if they required me to pay an additional balance. The information that Lobel Financial is reporting on my credit report is inaccurate and must be removed according to being in violation of the FCRA. I would like to have this removed from my credit report because I feel that Lobel is being deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
Kay Jewlelers continued to contact my family my mother, sister, brother even after I wrote letter of hardship offering to pay {$50.00} a month until debt was paid. They practice unlawful practices and harass other members of my family in other states - I have asked them to stop these practices. I have offered to pay a minimum of {$50.00} a month. I have tried to close account to freeze interest. The website will not close the account nor will they close via letter request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
Called about new collection account on my report asked for verification /proof of debt and related documentation was told they do n't have to provide it original creditor probably would n't have it due to age of credit. Debt is bought in blocks not individually. Demanded collection. E removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
Due to a job loss Kays placed my account in a special status which reduced my payments for an extended period of time beginning in XXXX. Kays failed to send me any notification that the reduced payment plan ended after XXXX to four months and because of this I was paying the reduced amount of {$90.00} a month instead of {$130.00}. I observed that my payment due was increasing and reached out to Kays in regards to this issue and at that time I was informed that my payment plan had stopped. I requested an extension on my payment plan at which time I was mailed my unemployment insurance forms that were associated with my Kays account and was instructed to mail them back in. I returned the forms and continued to make my Kays payments, but heard nothing back from Kay in regards to my insurance on my account. I continued to pay my account but was continuously receiving phones every hour about my Kays account and my balance due. I spoke with a rep about the calls and she informed me that the calls were on an auto-dialer and that she would remove me from the auto-dialer service but I may still get contacted about my account. I continued to make my payment utilizing the Kays website and in XXXX sent my payment for {$130.00}. Apparently my payment was returned because I entered the wrong account information, but I was never informed by Kays. Instead Kays reported me 30 days past due. I contacted Kays on XXXX XXXX, 2016 in regards to this and I was informed that I was placed on a do not call list by accident. My name was removed from the list. Because of the error Kays agreed to lower my payment and stated that they would adjust my credit report for the month of XXXX but I would have to file a dispute with the credit bureaus which I did. Kays failed to remove the 30 day late mark and instead just updated the balance due and the payment due on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
XXXX XXXX reported me 30 day late payment for XX/XX/XXXX and 60 day in XX/XX/XXXX stating we only made partial payments when I was set up on a automatic withdraw program. 
I was never notified that the amount being withdraw was not correct amount and was under the impression that since the money was being withdraw from my bank account that payments were being applied correctly. 
I never received any statements nor any type of documentation of changes to payment amount from {$65.00} to {$180.00} and when informing representative of this their answer was simple well since we did not receive any return mail you should have received it. 

Also on XXXX XXXX, 2016 I called in to pay off account since my wife and I are in the process of purchasing a home any needed to boost up our credit and we were offered a settlement payment for the amount of {$870.00} which was paid that same day confirmation number for that payment is XXXX. Which they did apply it to our account until XX/XX/XXXX.Then on XX/XX/2016 an amount of {$65.00} was withdraw from my account again after settlement payment was made. 

When I called in to see why that amount was withdraw and requested a refund I was told since they had not applied the settlement payment to your account yet the {$65.00} is being applied to the remaining balance on the account and can not be refunded but yet they send me a letter dated XX/XX/XXXX that my account has a {$0.00} balance which does not make any sense to me. 

If we can find a way to remove this discrepancy from my credit score it will be greatly appreciated.

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