vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
For years me and my parents have been battling with XXXX XXXX. Sine I graduated college XX/XX/2010 its been a downhill mess. From coming out of college into a mess of a economy ( took me years to get a job in my field and make decent money ) to crippling credit scores that damages my future to own a house, car, starting a family, etc. When I graduated I could not afford the payments for all of my loans every month. Multiple phones calls to help and barely ever got answers or just taken advantage of because I did n't understand. Help was forbearance, which ended in still not being able to afford payment when over, and a whole bunch on interest added to my loan that I already could n't afford. XXXX loans went into default and passed around to collection agency 's before they garnished my fathers wages. Now those loans are in " charge off '' but Navient still reports every month to credit bureaus that they are past due and late payments. Then on another loan its nearly double the amount that was originally borrowed and interest rate sky rocketed. My monthly payment on that loan only pays interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
For the second time now, I have been denied a Chase Freedom credit union. I have excellent credit and no delinquencies. There is no valid reason for Chase to continue denying me a Chase Freedom card. I complained to the corporate office, and the excuse they 're using this time is that I have opened too many credit cards in the past 24 months. I then asked them what is the time frame for them to stop claiming I 've opened too many credit cards, and then they changed their story completely. They then claimed that my income is too low, which makes no sense whatsoever, as again, I have excellent credit and no delinquencies. Therefore, they are discriminating against my economic " class, '' as well as age, and XXXX. As long as I have excellent credit and no delinquencies, there is no valid, legal reason for Chase to continue to deny me a Chase Freedom card, especially as I have other Chase credit cards. This is a clear-cut act of discrimination, for if my income were the case, then Chase would have to cancel credit cards for all credit card holders whose incomes dropped, which includes retirees, the XXXX, and the unemployed. Therefore, it is appropriate for CFPB to hold Chase accountable for denying me, an aging, XXXX citizen with excellent credit and no delinquencies, a Chase Freedom card. ( And in the past, after filing CFPB complaints, CFPB has done nothing more than " shuffle papers, '' i.e., send me the bank 's response, regardless of what it is, then close the case, rather than hold the bank accountable. Also, in the past, after logging in to CFPB, I have been unable to access any documents, and this was never appropriately addressed or corrected. Therefore, please escalate this matter to the Director 's office. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Paramount Recovery Systems, L.P.
State: HI

Complaint narrative:
Violations of the Fair Debt Collection Practices Act, 15 USC 1692c, Section 805 ( a ) ( 1 ) : Paramount Recovery recklessly calling as early as XXXX

Company response to consumer: Closed
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: SUPERIOR DEBT RECOVERY LLC
State: RI

Complaint narrative:
I live in XXXX but previously I was taking care of my Dad who passed away XX/XX/XXXX While taking care of him a debt collection and attorney in XXXX got a garnishment against my wages for a debt that was in XX/XX/XXXX. I was in major car accident and therefore on XXXX. I tried to resolve some debts but lost my home and job due to accident in XX/XX/XXXX. The attorney knows all this but somehow in a state I am not in was able to get the debt legalized and now is coming after me. I am XXXX and my husband is XXXX. I do not live with my husband as we are separated ( not legally ). I was never served court documents and I found out the attorney got the state to sign for my court documents. Why isnt this stuff done here in the state I am in is this legal?? They now have a hold of my bank account ( total is XXXX dollars ) and my lock box which holds personal items what can I do to stop what is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Webcollex, LLC
State: NY

Complaint narrative:
I do n't owe this. Please send copy of contract & statements

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: MI

Complaint narrative:
The Law Office of Maury Cobb has sent an automated phone message to my parents ' phone # every day for months. The call-back # they provide is for a dating service and they do not respond to emails so there is no way to end this harassment. I have no outstanding debts, as my credit report will show.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation
State: FL

Complaint narrative:
united revenue corp. account # XXXX is on my credit report and i have no idea who they are or what they are trying to collect. after contacting them in writing 2 times i have never received a response

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
I had an XXXX rewards card back in XX/XX/XXXX for the amount of {$770.00}. Due to hardship I was not able to make payments and It was sent to collection. The Bureaus Inc took over the account and is using XXXX to collect the balance on the account. However, the original balance of {$770.00} went up to {$930.00}. I have been contacting XXXX since XX/XX/XXXX to find out why my balance increased by {$150.00} but they have failed to provide that information. XXXX rudely refers me back to The Bureaus Inc for any information on the account and state they CAN NOT provide any information on the account except for settlement offers. I have been in contact with the Bureaus Inc since XX/XX/XXXX by email and i was able to get the original XXXX card billing information but they FAIL to provide a statement or Bill demonstrating or explaining the charges being added to the original balance. I keep getting run around about why they can not provide a statement showing the {$150.00} extra charges and Im just being told that they are charges added without a clear explanation. I am willing to pay for the collection, but i am not willing to pay for unexplained charges that two agencies, The Bureaus Inc and credit XXXX, can not discuss openly with me. I think its frustrating and unfair that they keep giving me a number but FAIL to demonstrate how they get from {$770.00} to {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Maury Cobb, Attorney at Law, LLC
State: WA

Complaint narrative:
Hello, I received a letter from the Law Offices of Maury Cobb. I spoke with a gentleman named XXXX XXXX. He explained that I had a collections account with XXXX for XXXX. I explained to him that it was not possible as I was not under contract ( ten year customer ) at the time I left tmobile. He said he had no information and that this is a law office and there is a judgement against me to take the money and that I must pay. I called tmobile and they did not have any information on me and said that Maury Cobb had purchased my account. From my research I have seen that XXXX XXXX has had substantial litigation and claims against him for false debts and tactics. I have sent letters to all XXXX credit agencies explaining the situation. I also included letters from the department of homeland security and office of personnel management stating that my social security number and other identifying information had been compromised. This has been a long battle and I am trying to restore my credit. XXXX XXXX XXXX 's office has not been helpful in the least. 

Respectfully,

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 2015-09-27 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: North Shore Agency, LLC
State: CA

Complaint narrative:
I paid for a ( 1 ) year membership with the XXXX XXXX XXXX ( XXXX ). Part of the membership benefits was a " paid by XXXX '' ( 1 ) year subscription to XXXX XXXX XXXX XXXX ( XXXX ). I received the appropriate number of magazine issues ad then they stopped being shipped due to the XXXX membership not being renewed. Two months went by without any problems. In XXXX 2015, I received a collection notice from North Shore Agency ( NSA ) on behalf of XXXX to collect a debt of {$16.00} for the XXXX issues that I had received as part of my XXXX membership. At no point prior to receiving the collection notice was any kind of billing or invoice ever sent from either XXXX or the XXXX to me stating that I owed money ( being it would have been the XXXX 's bill, not mine ) for those magazines nor did I receive any correspondence asking if I wanted to assume the XXXX debt to XXXX by renewing the XXXX subscription. I emailed XXXX to inquire about this, direct them to contact NSA to repeal the collection, ensure my credit has not been negatively affected by this erroneous action and asked that they call me immediately. Two weeks passed before I received an emailed answer from XXXX which has been archived if you need to posses it ( dated XXXX XXXX, 2015 ). No phone call to me was ever placed. The XXXX email stated that they have absolved me of having to pay for any previous or current issues and if I had any other problems to contact them. The email did not address whether they had contacted NSA or conducted and action protecting my credit rating. On XXXX XXXX, 2015 I received a second collection notice from NSA that took a decidedly condescending tone ordering me to pay the {$16.00}. On that same day, I responded to the XXXX XXXX XXXX email explaining that I had received a second letter despite the release of charges by XXXX. I also stated that XXXX failed to do XXXX things : 1. Forward info to NSA and recall the collection ( assuming NSA was n't just ignoring the notification and 2. the failed to call me in a timely fashion to prevent this from being exacerbated because of the time in between emails. I then advised by email both XXXX and NSA that if I did not have full resolution to include fixing my credit which took a XXXX point loss due to this problem in ( 5 ) business days which would have been XXXX XXXX, 2015 I would report both companies to the FTC and any other agency that is designed to ensure companies are in compliance with regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 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: North Shore Agency, LLC
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole and used my personal information to open up an account with XXXX XXXX. I have never applied or opened up an account with XXXX XXXX. I have been receiving harassing and threatening telephone calls from North Shore Agency Collection Agency representatives in regards to a debt in the amount of {$270.00}, I owe to XXXX XXXX. North Shore Agency has threaten to call my job repeatedly, if I do n't pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
On XXXX XXXX, XXXX at XXXX PST I called Universal Recovery Corp to inquire on debt I found on my credit. A gentlemen answered the phone and I ask for the current balance. For account # XXXX he stated I owe {$66.00} and for account # XXXX he stated I owe {$83.00}. I asked him how come the balance is different on my report, it says I owe {$56.00} and {$55.00}. The collection company representative said " the discrepancy is because we have n't re-reported to the credit bureaus, XXXX XXXX was the last time we reported on the stonewood account, and XXXX XXXX on the clearside account '' I asked him if that meant his establishment does not report current and accurate information to the credit bureau and he stated " yes ''. 

This is fraud! If they are n't reporting current and accurate information on my credit what else are they falsifying. My best-friend owns a collection agency and they report to the CB twice a month to make sure everything is accurate and current. What if I was making payments, or anyone for that matter, this company does n't report payments being made? This is terrible business practices and they should be audited to ensure they are n't committing any crimes or falsifying anything major!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY

Complaint narrative:
1. The XXXX XXXX XXXX send me a letter dated XX/XX/XXXX, had been retainedby New Jersey Highet Education Student Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XX/XX/XXXX, In that letter I asked XXXX XXXX XXXX , XXXX. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.XXXX XXXX XXXX garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XX/XX/XXXXXXXX XXXX XXXX XXXX regarding this maner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

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 2016-05-10 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
This Paramount Recovery agency has reported that I owe them {$760.00}. I have never heard of them or this XXXX that is from where the debt was incurred and sold to Paramount. But that 's not the most urgent problem. They have filed XXXX individual accounts for collection of that {$760.00}. That is XXXX debt reported on my credit file filed as XXXX different collections for the same debt. On my credit file the account numbers are the same, date of origination is the same, file numbers are the same on each of these reported collections. Unless they treated me 13 times in the same day for services that all cost {$760.00}. It 's not impossible that they did that. This is plain harassment. Reporting the same account multiple time on my report has had a detrimental effect on my credit score. Even if this debt were mine, there should be XXXX account in collection, not XXXX. Deliberately reporting false information to each of the credit bureaus is a punishable act under the FCRA. But I simply do n't have the thousands of dollars it takes to litigate a FCRA complaint. 


I 've tried talking to them but they wo n't even discuss the possibility that this debt was incurred by someone other than myself. They call me at home, on my cell, and at work demanding that I pay this debt but completely ignore my request for them to prove that I incurred this debt. 

The sad part is, if they would correct their reporting to all XXXX credit bureaus, i would pay the {$760.00}. That 's how desperate I am. I have been passed over for XXXX different employment opportunities because of their tactics. Who wants to hire someone with XXXX accounts in collection from XXXX entity? 

I had other collections reported from other agecies that were materially related to healthcare, that I asked them to prove that I am the debtor and they simply couldnt and removed their filings from my report. Paramount will not even discuss anything other than my paying this {$760.00}. It 's almost blackmail. Unless I pay them, they are going to continue reporting false information to the credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: MI

Complaint narrative:
Our property is in Tn, and we had to leave due to my health in XXXX of XXXX. Leaving our sons to take over the mortgage payments and utilities and all of our belongings. Everything was going fine until we got a couple months behind in our mortgage. The original mortgage holder sold the mortgage to another company without our knowledge. 
When we found out, we tried to work with them and we told that they do n't make arrangements. They want the whole arrears or nothing. The loan holder is a XXXX Veteran and there is no way to come up this kind of money. We even gave them new our address away from the property. 
This went on for 2 years until I hired XXXX XXXX, an attorney, to stop the foreclosure in XXXX I paid the attorney to do my wishes, which did n't happen. We tried to do cash for keys, and it was never presented. We dismissed the attorney in XXXX. 
XXXX of XXXX, some XXXX came to the door asking questions about the property, wanting to come in. My son refused. She went around to see our XXXX XXXX XXXX barking, and she stated that he was the XXXX making all the noise. The next day he came up missing. 
A police report was filed. Cars passed slowly taking pictures of my house and property. 
We contacted the mortgage company in XXXX of XXXX requesting loan modification. We submitted the paper work many times and they kept tells us they never received the paper work. 
They sold the property at foreclosure sale on XXXX XXXX, XXXX, and no one purchased it. They still would n't work with us. Our personal belongings were still in the house, and we were trying to work with them so we could get our stuff out. 
We were never served with with eviction papers until XXXX XXXX, XXXX, giving us 30 days from the XXXX to remove our things. 
On the XXXX, the mortgage company ordered all our belongings inside and out side be removed and destroyed. We have litigation over the disposal of the personal property. 
This complaint is that they never allowed us to do a Loan Modification, and foreclosed on us, and sent people to harass our son while he was staying there. We finally brought him to live with us XXXX of XXXX cause he could n't handle the harassing any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: SIMM Associates, Inc.
State: OH

Complaint narrative:
Sims Associates called someone in my neighborhood whom I have never met in my life told them of my debt and my address and who I was and they therefore took the message and came to my house and knocked on my door with this information. I feel violated.

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: Carter-Young, Inc.
State: GA

Complaint narrative:
This company is reporting a debt that I do not owe them. I need your assistance in getting this matter resolved once and for all. I do not owe this company any money and I do not have any obligation to this company. I have asked this company to provide me with a detail breakdown of this debt, proof that I am obligated to pay them anything and a copy of my signature. I have not received anything from this company as of date. This company needs to be fine for violation of the FCRA. The account is showing up as Acct # 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 2017-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: IL

Complaint narrative:
Selene Finance LP took over my mortgage fom XXXX on behalf of the holders of the XXXX XXXX Loan Trust, Mortgage-backed notes, Series XXXX is the owner of the account, and sps is the mortgage servicer of the account, which gave it to Selene Finance, who put me under a Trial Modification Plan from XX/XX/2015 to XX/XX/2015, paying {$700.00}, plus an additional amount was previous the trial modification. Selene never offered an modification after the full amount of the Trial. I would like my money back since I was not given a modification. I gave money which I did not receive any financial help from selene, plus, they sold it to XXXX.

Company response to consumer: Closed with explanation