vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Rubin & Rothman have engaged in numerous unethical tactics and behavior that violates all State And Federal Collection practices. 

I recently had an identify theft breach in XXXX and was sent a FREE copy of my credit bureaus. I see that R & R have been running my credit on a monthly basis without my permission and in violation of my rights. 

They appear to have obtained a Judgment without ever serving me with any legal papers and without ever properly putting me on notice of the underlying lawsuit. They obtained a fraudulent default judgment on a debt I am certain I do not owe and now they are looking to collect it knowing that my time to open the default has ended. 

Now that I have discovered the issue I have learned that They have used tactics which violate my privacy by contacting friends and family members on their cell and house phones even after repeatedly being told that the number they were calling does not belong to me. Just last week they called XXXX XXXX ( name to be provided ) on a cell phone that is not mine and and inquired about my employment and said they were looking to collect a debt. She informed them that this was not my number. 

Other family members have alleged the same tactics. They have gathered and used improperly private information about me and about my friends and family members. Family members will attest to feeling harassed by these tactics. 

They have also disclosed to a third party that is not my employer that they have obtained a Judgment against me hurting any opportunity I have to do business with that company. They have also informed my neighbors about my debt completely causing me shame in my community.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
See Case # Case number : XXXX Please add and Re-vise- This debit which they are attempting to collect is past the amount of time to collect by Illinois law XXXX and this agency is selling-off my debit as a possible current debit with wrong info and amounts, without advising me with any info or proof. Rather they find it easier to harass by phone calls in the past- at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: TX

Complaint narrative:
I do not have knowledge of debt that is trying to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
This company uses scare and intimidation tactics to collect on their debt. We noticed them that this is a recorded line and that we are asking them to not call until after XXXX becasue this is a business peak time. They continued to call 16 times and even called our neighboring business lied to them and said something is wrong wth our phones and asked them to walk over and hand is a phone. We asked them to communicate via email and not call our business line yet they continue to do so. We have recorded calls and phone logs of the abuse and harrassment but they do n't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
Cedar Financial has placed a collection on my XXXX and XXXX credit reports. The original creditor was included in my bankrupcy which was discharged XX/XX/2014. XXXX shows the collection open and closed in a period that is not possible with my BK file and discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc.
State: SC

Complaint narrative:
In XX/XX/XXXX my spouse, XXXX XXXX and I, XXXX XXXX filed bankruptcy which was paid off and released in XX/XX/XXXX. XX/XX/XXXX we were informed that the loan was sold from Homecommings to FCI. Discussion with FCI I was informed that they purchased the loan seriously delinquent. I informed them that the information was incorrect. I continued to pay FCI awaiting a discovery of documents until XX/XX/XXXX. FCI has refused to work with me insisting that the was purchased approx. XXXX. I requested documentation from the bankruptcy trustee which shows that the loan had a balance of approx. XXXX at the time of the bankruptcy being filed. It appears that all payments to the loan were placed in a suspended acct and were not paid towards the loan at the time of the release from the bankruptcy courts. I continued to pay FCI for a year longer than the loan was to exist and have no copperation from them. XXXX XXXX and I were divorced in XX/XX/XXXX. My lawyer, XXXX XXXX of XXXX, S.C. Has made several attempts to communicate with FCI with no results. I stopped paying FCI IN XX/XX/XXXX when I was out of work. According to my documents I owe no more payments and I am due the deed to my property. FCI has not taken any legal action nor is the loan been reported to any credit agency since the FCI purchase. I can not afford to retain another lawyer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
My daughter was contacted by this company ( Simms associates ) about student loan. She was threatened by wage garnishment and threatening to call her corporate office to inform others of said debt. 
When I called, they told me that i needed to get another job to help pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
This account does not meet the FCRA by the fact that it does not list the original creditor. I legally have the right to know who the collection agency is representing and if that debt is valid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
XXXX XXXX, 2015 I called into A-1 Collection Agency to make a payment with XXXX XXXX XXXX ( ext. XXXX ), per an agreement from the prior month, that was confirmed by XXXX ( ext. XXXX ) whereby I paid the balance of one account off that would be removed from my credit report as a courtesy, and would begin a repayment plan in the amount of $ XXXX/month on the other account, preventing negative reporting on this account. XXXX XXXX ( the only name given to me ) stated XXXX XXXX was on leave & he 's the person I would be speaking with. I proceeded to inform him of my previous discussions, and he stated that I had been reported negatively to the credit bureau. I informed him that I was told that would not occur. Then I asked if the calls were recorded, and XXXX XXXX got upset stating that he was going to hang up on me for using abusive language. Not once did I use profane, abusive, nor threatening language. I simply inquired about the different information that I had been given from the young ladies versus his statement. He declined to inform me what was abusive about my language. I was practically pleading with him because it was as if he just snapped. I informed him that he would be reported if he hung up on me for no reason, and he proceeded to do so. I called back todayXX/XX/2015 and dialed the extension of XXXX, who had assisted me a few times before, and I was cold transferred to XXXX XXXX. I did n't speak a word to him, and ended my call because it was clear to me that he has flagged my calls and are having them routed to him. He is an abusive collector who uses his tone to intimidate, speak to, and treat callers poorly. All I want to do is pay the bill. Please have this call pulled and have XXXX XXXX reprimanded for his poor and threatening behavior. His methods are abusive, and he 's playing bully collector. He did n't have to call me to collect because I was calling in to pay. He declined to allow me to speak to a supervisor, and hung up on me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Solutions To Portfolios, LLC
State: TN

Complaint narrative:
Initially this was a payday loan gone bad. It was sent to debt collector who then sold it to the STP Management Group/TX. XXXX XXXX really has a way with her words and how she has made it up in her mind to get money by any means necessary. I have set up payment arrangements at the end of each month and have made those payments. She insists that because od the upcoming holidays, the end of the month DOES NOT WORK FOR HER!!! And that she will not accept late payments period. What??? Is this lady pocketing the money or what? Are they on some kind of commission for how many they harass and get money from? Is this money really going toward paying off the debt ( which I acknowledge )? Is this a legit debt collection agency? Calling my place of employment really crosses the line ... .I NEED YOUR 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 2016-07-14 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: ARC Management Group, LLC
State: IL

Complaint narrative:
I have never heard of the agency ARC reporting derogatory marks on my credit report and they seem to be a third party and I am filing a NO CONTRACT Dispute. Please investigate as the information reported is false and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: PR

Complaint narrative:
XXXX filed a foreclousure claim against me on XXXX. Since then I had tried to resolve this issue and requested a modification of my loan under harp program. Since then I do have suffered almost all the bad mismanagement and horrors stories that you already know from other persons. My file of monthly requested financial information filed to XXXX and their service agents XXXX is like three inches tall and even though the Judge from XXXX Florida instructed them to resolve my case last year byMay XXXX and the diligence of my legal representative XXXX they never modified my loan. On or about XXXX XXXX i did decided to accept a very bad trial payment period of three months for which I did paid {$2100.00} each month up to XXXX XXXX. After my second payment XXXX changed their service agent from XXXX to Selene Financial and I do have made all my payments up to XXXX XXXX but Selene had not do anything to complete my modification request evaluation. Furthermore on XXXX XXXX they provided XXXX and XXXX information that I am delinquent for over 180 days which is totally incorrect and is hurting my credit score. I need your help to make Selene and XXXX finally evaluate and make me a reasonable modification offer under harp program or their own in house progrms on a timely manner. I am also suffering since XXXX XXXX and lost my wife because of XXXX XXXX and have been making all my efforts and sacrifices to resolve this issue and XXXX XXXX XXXX, XXXX and now Selene Financial have proven to be impossible to move forward even thoth the intervention of the Judge. My only hope is all the help you can provide me, thanks to all of you and Congress XXXX XXXX for their fights againts this abusive financial firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I wanted to pay off my student loans. Navient was paid XXXX dollars to settle the loan in XX/XX/XXXX. I thought Navient was part of XXXX but they took over XXXX XXXX. I have documentation that all my loans were paid in full XX/XX/XXXX. I have the documents that were sent in the mail. I have sent those documents to Navient and they were suppose to look everything over and have a decision in 30 days. I sent the information through an email on XXXX XXXX. XXXX XXXX I resent the email because they said they did n't get it. I made sure they received it this time. Each time I call they say they do n't have the email and then find it. They resubmit my information and tell me I will have to wait another 7 to 10 days. This has happened several times. I have proof that they need to return the XXXX since this loan was already taken care of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: PA

Complaint narrative:
XX/XX/XXXX, I was under a trial period for a loan modification with my prior servicer, XXXX. In XX/XX/XXXX, my loan was sold to Selene Finance, who indicated that they would honor the possible loan modification, after review, and that I needed to continue to send them the trial payments until I was contacted further. I made several calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then started again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Finally, XX/XX/XXXX, I received documents from Selene for a loan modification. Back in XXXX XXXX, I was in need of assistance. I filed the proper documentation to seek any help. I was denied, due to the fact that the previous loan mod was done within 24 months ( FHA loan ). Long story short, I argued with Selene and then hired an attorney to help me. The paralegal handling my case, had a conversation with one of the managers at Selene on XX/XX/XXXX who indicated that I was not eligible for a repayment plan but that I could re-apply for a possible loan modification, since the 24 month period would be expiring. I have a copy of the paralegal 's notes stating same. When I spoke to this supervisor, he indicated that he would never have said such a thing and that he had reviewed the tapes from that day and there was nothing on them stating that. I did ask to hear the tapes, but I was told no. I then tried to appeal their decision and was told that I had no right to appeal, since my loan mod was done in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
these XXXX have been calling our phone # for over 2 years for some woman named " XXXX XXXX '' not anyone to do w/us, not us, and they refuse to go away and say you are lying they are attorneys sometimes they say they are the police, and they know " where you live. '' They are absolute XXXX. Sick and tired of them calling, threatening. You can not get rid of them, they are garbage that should be in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 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: Collections Acquisition Company, Inc.
State: KY

Complaint narrative:
I get some accounts with Paylance reported under my name who does n't belong to me, I already filed up an Identity thief victim report and request all this account with this company to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
On XX/XX/2016 this company had someone to contact me about a complaint I had filed about me having made three payments on one loan within 30 days, because of bad information which had been provided by their staff. XXXX held himself out to be the Associate General Counsel for Check Into Cash , Inc., XXXX, TN, XXXX Store. After, further checking with the Tennessee XXXX, which proved this individual was not licensed to practice law in the state of TN, as is required for any one holding themselves out to be a General Counsel. Once I informed this company of that information, the matter was turned over to the store manager, XXXX, a person who did not in my opinion have the legal skills to entertain my complaint. Since then, XXXX has denied any truth in my statements and has repeatedly refused to attempt any settlement of closure on the matter. In my complaint I alleged that their staff lied about my eligibility for another type of loan based on a credit score obtained by them of 880 and the staff instructed me to first pay the current owing balance off. I paid it off that same day, but was denied the new type of loan and then told I could only get the same type of loan that I had just paid off. So, I took out that loan, because if I did not, I would not have had any money. I was told the computer had made a mistake. I said if it has made a mistake now, then how can I be sure it is not making a mistake at this time, too. I said I do not trust your computer or the advice of your staff. So, this made me have to make three payments in a 30 day period, cutting deep into my fixed income from Social Security retirement. I believe this is a normal practice of this type of pay day loan business in XXXX, TN. I did not ask to qualify for the loan they volunteer to enter my information in their system then told me I qualified and showed me the amount on the form. But, when I came back to get that amount I was denied it. They should be further investigated for fraud as I believe many low-income individuals are being targeted and taken advantage of, especially seniors and others on a fixed income. This is still an on going matter and I wish for immediate closure. I have requested of XXXX to waive the loan balance and she has repeatedly disagreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Oxford Law, LLC
State: PA

Complaint narrative:
I have been receiving relentless phone calls from a company that call themselves " the law firm '' upon a search of their telephone number I have found that their true name is oxford law firm and they are a debt collecting company. They have threatened to show up at my home and job and have now began calling and harassing my family members daily. When asked to provide a written legal document regarding the supposed debt I am told an email will be sent ( although I am requesting mail ) but one have never been received. I am told in first call that I have 30 days and following calls that I must pay full balance of supposed debt immediately or my file will be signed off on by the office attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
I received a notice in the mail from State Collection Service Inc. with phone number XXXX. The letter was dated XX/XX/2016. It stated this communication is from a debt collector for a past due account from XXXX XXXX Hospital with service date XX/XX/2016 in the amount of XXXX. Per my bank, my check for payment of this account was cashed by the hospital on XX/XX/2016. I spoke to XXXX at State Collection Service and stated these facts. Her response was if the hospital had received payment from me on XX/XX/2016 then they would not have reported it to State Collection Service Inc. I replied I have a copy of the cancelled check so they had not only received it, but had cashed it and it had cleared my account by XX/XX/2016 which was 8 days prior to the debt collector mailing me the debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
to my knowledge this debit first became delinquent XX/XX/XXXX, it was recently reported to the credit bureau as becoming delinquent in XX/XX/XXXX. this debit is over seven years old, seems to have been sold to another company and all information I have no knowledge of.I have a judgement placed on my credit file. XX/XX/XXXX, i tried to pay on this account but payment was refused that was all i could afford, the balance now i have no knowledge of this is a seven or eight year old account to my knowledge and wrong Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collections Acquisition Company, Inc.
State: SC

Complaint narrative:
Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote

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