vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
this is debit that is not mine and was suppose to paid by the company. I get this call from someone claiming to be with XXXX XXXX XXXX about a bill that I do n't owe and I believe that it was a scam call my wife asked what this was about and she wont tell her anything and the was very rude and I called back the person name did sound like a real name the name of a new reporter on tv. and I wont paid the that amount for the cell phone that I do n't have and was the company paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have had a VA mortgage with Loandepot, a licensed CA company, since XX/XX/XXXX. I have an impound account with over $ XXXX in it, and pay {$1000.00} per month just in taxes. I have XXXX supplemental bills from the county assessor due XX/XX/XXXX, totaling over $ XXXX. Since XX/XX/XXXX, Loandepot has made repeated misrepresentations to me about the escrow account, the amount of property taxes they have paid and will pay ( they have paid {$2000.00} in XX/XX/XXXX and will pay another {$2000.00} in XX/XX/XXXX. ) They will not pay the supplemental tax bills, and they will not release the money in my escrow account to me so that I can pay the bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA Closed account fraud activity on credit card XXXX + said they did n't want to do business any more card was used for withdraw transactions deposits were made a By a XXXX XXXX from a 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 2016-08-29 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : ( XXXX ) XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : ( XXXX ) XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. ( XXXX ) XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 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: AFNI INC.
State: MN

Complaint narrative:
I filled out a complaint on XX/XX/2016 about a collection notice I received from AFNI, XXXX On a debt from Century Link for {$82.00} and today I spent the next 3 hours on the phone with XXXX after the collection company told me that XXXX recalled the debt. Once again I was unable to verify the debt with XXXX XXXX in that amount. I spoke with XXXX different customer service reps from billing to credit and collections. NONE was able to tell me how or where this amount came from. Yet it 's been almost 2 years and this debt has been reported to all XXXX credit reporting agencies. I have tried and failed to verify this debt with the original creditor and collection agency. Neither has been very helpful other then they would be happy to clear this up after I paid them this amount. Again I would be happy to pay if I could verify the debt and when I was billed for it. Further more my XXXX XXXX account is paid via auto bill pay and once again I was told by XXXX XXXX that my account is current and show NO outstanding balance. They looked up my account using my name, account number, home phone number my wife 's name and finally my social security number all showing I do n't have any debt in said amount. So once again I got nowhere with this issue and I still have this debt being report on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back on XXXX XXXX my wife went to the XXXX XXXX Regions Branch to cash her pay checks. She would save up several and cash all at one time for the given month. I believe it was on the day of XXXX XXXX the branch manager called her ( wife ) and told her they over paid her by {$700.00}. and would need the money back. My wife told them she did not have there money and even so she did not have the money in her account. The bank manager replied " I Know '' XXXX ( Wife ) then told her she would need to look into this matter and call her ( XXXX ) Back. As soon as the phone hung up the money was pulled out of our joint account and put the account into overdraft. Please understand that this is 2 months latter with no written notice or no verbal notice. The bank basically put us in a really bad situation with paying bills and checks bouncing. I could be very understanding if a notice was given and we had time to investigate. We have asked for proof that XXXX actually received these funds and they have said no. On the day of XXXX XXXX XXXX called a lady by the name of " XXXX '' a regional manager for regions every 15 minutes over a 4 hour period with no return calls. ( she gave up ) At this point we want and need our money back unless Regions can show and proof to us we have the money. This was very unprofessional and has caused anguish for my wife and I. All they had to do was handle this matter with respect and professionalism and this matter would have been resolved. 
Thank You, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
This debt is not mine. I have a son with a similar name thatwent to this XXXX, I have never gone to this dentist. I am a XXXX year old man the patient is XXXX, I dont live with him, have a different address etc ... 
Why am I responsible for his medical bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: AL

Complaint narrative:
I terminated my account, paid all the fees and my balance and was told i was settled. a week later I got a call stating that I owed over {$500.00} and they could not give a definite answer as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I have a car loan through Hyundai Motor Finance and they do not provide me with the interest rate of my loan. This information is not available to me via my online account with them and it is not listed on my monthly statements. Interest rate is a critical piece of information about my loan and should be included on my monthly billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: ID

Complaint narrative:
I have a mortgage through Platinum Home Mortgage. I purchased the home XXXX/XXXX/12. I have had nothing but screw ups with them. My payment has gone up and down so many times. My son and his wife, daughter and her husband have the same type of loan with NO problems. I am at a fixed rate of 3.375 % and the beginning loan amount was {$110000.00}

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 2016-08-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I RECENTLY TOOK OUT AN INSTALLMENT LOAN FOR {$400.00}. THE APR IS 581.71 % AND THE FINANCE CHARGE IS {$770.00} LEAVING MY TOTAL PAY BACK AT {$1100.00}. I KNOW I AM RESPONSIBLE TO PAY MY LOAN BACK BUT THIS IS RIDICULOUS. I WILL BE PAYING ON THIS LOAN UNTIL XXXX 2017 UNLESS I COME UP WITH IT ALL IN ONE LUMP SUM WHICH I CA N'T AFFORD EITHER BECAUSE THERE IS ALWAYS SOME LARGE PAYMENT I HAVE TO PAY OUT OF EACH CHECK, LIKE MY RENT OR CAR PAYMENT. I AM A SINGLE MOM AND NEEDED THIS TO HELP COVER MY RENT AS I HAD TO HAVE XXXX AND WAS OFF WORK FOR AWHILE AND I DEPEND ON OVERTIME TO HELP MAKE ENDS MEET. THIS IS TAKING FROM MY HOUSEHOLD EVERY TWO WEEKS AND I KNOW I WILL NOT BE ABLE TO KEEP THIS UP UNTIL XXXX 2017 AS ME AND MY KIDS STILL HAVE TO LIVE DAY TO DAY. THIS IS A RIP OFF IN MY OPINION AND PUTS POOR PEOPLE LIKE MYSELF THAT ARE LIVING PAYCHECK TO PAYCHECK IN A VERY TOUGH POSITION. PLEASE HELP!

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 2016-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
these debts were paid off in full and still put on my credit report anyway. ( XXXX /Mariner Finance. XXXX was given my visa card # to take the money directly from my checking acct. the XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called XXXX told them what I had done and why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of XXXX XXXX XXXX XXXX, assignee to Credigy Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vision Financial Corp.
State: WI

Complaint narrative:
This company, Vision Financial, keeps calling from different numbers trying to force me to verify personal information. They want my social security number and address. They will not stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: Simon's Agency, Inc.
State: MD

Complaint narrative:
I have never received any notice of default from collection agency Simon 's Agency. 
I have discovered the collection activity while reviewing my credit report in late XX/XX/XXXX, and I have sent a notice to Simon 's Agency ( a debt collector who does n't own but is assigned to collect the debt on behalf of XXXX XXXX XXXX ) on XX/XX/XXXX. A subsequent follow up complaint was sent to XXXX via XXXX. XXXX is the current account owner and allegedly the original creditor. I have advised both them of dispute of the information submitted to Credit Bureaus. 
A notice sent to Simon 's Agency specifically stated that " this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. '' Neither Simon 's Agency nor XXXX provided any viable evidence, copy of the signed contract or even copy of the statement to substantiate the claims made. 
Instead, both companies refer to internal printout of alleged payments made in XX/XX/XXXX-XX/XX/XXXX and admit that they have no other evidence to back up their claims. 
However, despite the lack of evidence to substantiate the claims both companies insist that the debt will be reported to credit bureaus as validated and refuse to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
This company reported a debt on my credit report that does not belong to me. I have never heard of these people before. Company has tons of complaint of bogus accounts and illegal tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I contacted Dynamic Recovery Solutions who is collecting on behalf of XXXX XXXX XXXX. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc.
State: OH

Complaint narrative:
Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XXXX ( Remarried in XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc.
State: OH

Complaint narrative:
Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XX/XX/XXXX ( Remarried in XX/XX/XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I am XXXX years old and can not pay {$570.00} per month for this transaction I did not know that the usury interest of 223 % would be so much ... .They want me to pay {$10.00} XXXX in interest on a {$3000.00} my social security check is XXXX ... .Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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: Dynamic Recovery Solutions, LLC
State: OR

Complaint narrative:
The so called " DYNAMIC RECOVERY SOLUTIONS '' Claims to be a debt collector, and claimed that I owe XXXX XXXX an unpaid amount of {$570.00}. This was a major surprise because I only purchase prepaid services from XXXX. Therefore I called the " Dynamic recovery solution '' and asked them about the statement I got from them. They claimed that the debt was for an unpaid bill dated 2010, and that a XXXX service was connected to an address and the final bill was not paid so the amount accumulated to what it is now. When I asked about the particular address to which XXXX service was connected the response was that they will provide a report in a month time which will show the address. It 's been four months by now and no report have been sent so far. On the phone I explained to them that I did n't have any physical address at all in 2010, and that I only purchase prepaid services from XXXX. After my explanation they asked for police report. But I also took their debt claim to XXXX of the XXXX retailers, and their first response was that that is a hoax. A XXXX representative, XXXX XXXX, found out that the account that the debt collector claimed to be mine did not even exist. Therefore, given the facts about this case and the debt collectors persistence to pursue this debt it should be clear that the debt collector is a scam and no more than that. Please take legal action against them to put them out of business for good because when I XXXX their name there were many other people that identified them with a scam. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: OR

Complaint narrative:
I have received repeated calls from multiple phone numbers from a company representing themselves as dynamic recovery solutions. they always call at obscure times and I get a call every day of the week and its always from a different number and they call my cell phone. they never state my name in the message which makes it very suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 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: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I had a XXXX-year contract with XXXX XXXX XXXX a provider of home security systems. The monthly payments were collected automatically via a credit card. However, the credit card on file was replaced by the financial institute and payments could not be collected. I did not receive any notification from XXXX XXXX about this. They were in contact with my son ( I was working XXXX ) and made no mention of any issues or that I needed to contact them. I did not receive any email, phone call or USPS letter from them about this issue. Further, I called them in XXXX to confirm the contract had expired and talked to a representative. No mention of any debt was made to me. Today, I received a notice from a debt collection agency that XXXX XXXX referred my outstanding balance to them. This letter was the very first notification I received that there was an issue. When I called XXXX XXXX about it, they insisted they called me and sent me an email and USPS letter. And, yet, I never received any of those notices. I have to wonder how it is possible I never received any of the XXXX notices. And, that is assuming they attempted to contact me only once. This action on their part failed to provide me with the ability to make payment and resolve the issue or to dispute any debt. The proof that I was willing to make payment is the fact that I contacted the debt collection agency ( Hillcrest Davidson, XXXX, account number XXXX ) and made full payment. The actions of XXXX XXXX could have damaged my credit report at a time I am working to refinance my mortgage and violated my rights under the law.

Company response to consumer: Closed with explanation