vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 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: AFNI INC.
State: NY

Complaint narrative:
This organization contacted me today regarding an alleged debt owed to XXXX. During this outbound call to my cell phone ( A violation of TCPA as I had communicated to the original creditor I did NOT wish to receive calls to my cell phone ) their agent NEVER made an attempt to verify my identity in any way, simply asking " Is this XXXX? '' before going immediately into the details of the alleged debt I owed. I attempted to enact a verbal Cease and Desist and request Verification of said debt to which I would respond with the appropriate proof of my dispute. Their representatives refused to take my verbal request and promptly hung up. I called back and insisted on speaking to a supervisor. I was then connected to " XXXX ''. This girl informed me that " no verification was needed '' even though they used the Mini Miranda, because their client told them it was n't required. This is absolutely FALSE. FDCPA AND NY State law requires proper verification of identity PRIOR to disclosure of any alleged debt or use of the mini miranda. If their thinking was correct, my son, whose name is also XXXX, could have answered and would have been subjected to this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Automobile acceptance company. I got XXXX payments behind. Worked with collections to catch up. I time payments for a year prior to this issue. When I went to call for the XXXX arranged payment, the third to catch up was going to be with my taxes ( and on their records I was only XXXX days past due ), they refused my payment unless I paid in full. Refused it. If I paid it I would only be XXXX days past due which is within XXXX guidelines as paid as agreed. I demanded to have my payment taken and they refused again. I took down the address to send a payment butI know if they do not cash it payment would not be received. I am sending this by money order certified mail requiring a signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I received a credit denial letter from Goldman Sachs Bank USA on XXXX/XXXX/2017 for which I did not apply. I have no knowledge of who this institution is or what they do. This bogus denial letter does not state the type of loan I supposedly applied for. Again, I never applied for any type of loan from this institution at any point past or present. Additionally, this institution is located in Utah. Near the same location to XXXX XXXX XXXX Bank of whom I complained on last year. Also near the headquarters of XXXX XXXX whom sent XXXX soft pulls of my credit over a 8 month period last year for which I also did not apply for credit to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: CA

Complaint narrative:
Afni Collections Agency reported false information to XXXX and destroyed my credit score. They never bothered to contact me about any of this. I only realized the issue after my credit rating dropped XXXX points. After calling them, they explained that the account was not even in my name. It turns out that Afni reported someone else 's delinquent account against my credit history. This is a clear case of defamation of character and Afni should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
I have open case numbers # XXXX and # XXXX. XXXX XXXX Team Lead responded and says she had no record of a complaint and I have complained multiple times. XXXX XXXX also said she would stop all further calls and letters and collection attempts and we no received XXXX more letters since her response and calls. I am submitting the letters and envelopes with dates showing they have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am unable to open a bank account due to information on file with Early Warning. XX/XX/XXXX : Called Early Warning was told issue had to do with XXXX XXXX in XX/XX/XXXX , but she couldn\'t tell me more until I had completed a consumer identification form with copy of the drivers license ; submitted both that day. ( I originally did not include my ss # on the form as I wasn\'t comfortable providing to random company asking for it. ) No confirmation, email, voice mail from Early Warning\XX/XX/XXXX : Resubmitted consumer ID and certification form with SS # and drivers license\XX/XX/XXXX : Received voice mail from XXXX stating my request was received for processing and that it was " just about done '' and should be " mailed within a few days, either tomorrow or Wednesday ''. That it would be coming from Arizona and to allow a couple extra days to receive. XX/XX/XXXX : Emailed Early Warning again - where\ 's my reportXX/XX/XXXX : Second voice mail from XXXX stating that yes she originally told me it was just about done, but now they need a copy of my social security card in order to mail file report. No one from Early Warning called/emailed me at any point to tell me they needed additional information ; I was originally told that all I need to submit was copy of DL, which I\ 've sent them twice.XX/XX/XXXX : Called Early Warning spoke to XXXX. Told that b/c I didn\'t provide my ss # in my form they now needed copy of my card. Explained I resubmitted form on XX/XX/XXXX and had vm from XXXX stating it was in progress. Then XXXX tells me they need the ss card because when the \ '' ran XXXX '' it came back with a different name. Which is it - XXXX XXXX in XX/XX/XXXX, no ss # on first form or different name attached to ss #? XXXXAll communications with Early Warning have been initiated by me, I have provided requested information and documentation, each time they have an excuse for why the report is not sent and they\ 've given me XXXX issues of concern ( if true ), but because I don\'t have the report I don\'t know what I\ 'm dealing with. None of this appears on my credit report from XXXX, XXXX or XXXX. I log in to SSA.gov to review my report - nothing there either. How do I even know this is a legit company? I honestly don\'t know if I should send a copy of my card, but if I don\'t they will continue to prevent me from opening new bank accounts or bank loans. I have all emails and I also have the two voice mails left by XXXX. This is past the point of ridiculous and it feels like a bank scam. I have proven who I am with my driver\ 's license ; address on form = address on drivers license = where to mail it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I have been contacted by Mountain Land Collections multiple times in the past regarding a medical debt that is not mine. The first time they sent me information regarding the debt I properly addressed a dispute letter to them asking them to validate the debt. I never heard from them. They did not send me validation of the debt but they did add the debt to my credit report. I have recently drafted letters to each of the credit bureaus, an example of XXXX which is attached, making them aware the debt is not valid and to remove it from my report. Most recently, this company, along with their attorney XXXX XXXX XXXX, filed a judgment against me for the debt and served me at my home.I did as instructed and responded to the suit with a defendant answer denying the suit because they did not validate the debt. After this, XXXX XXXX XXXX 's office contacted me to set up a payment plan. I informed them that I was not refusing to pay the debt, simply requesting validation of the debt. They have still not provided me with this and they have unlawfully charged my credit card for {$100.00} for the first payment in their plan that I did not consent to. I am disputing the credit card charge with my credit union and a copy of that is also attached.

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 2015-12-09 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: EOS Holdings, Inc.
State: KS

Complaint narrative:
I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and both to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for XXXX both of these accounts by certified mail, and I 've received NO response from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 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: D2 Management LLC
State: TX

Complaint narrative:
I received a call from a lady I asked where shw was calling from she said D2 management. I am calling about a return check from XXXX XXXX. I advised her that debt was more than 10 yrs old I know that they are one of those comapnies that go thru old debt that has expired and try to collect. I advised her to remove my number and not to call again. She stated you know you owe it we are not going to stop calling. I advised her my husband just passed away this morning do not call here again. She states it does not matter we are going to keep calling I advised her I was going to report her and the company. She called from XXXX between XXXX XXXX/XXXX/2015. I called the number back .My husband just passed away this morning we called XXXX they rushed him to the hospital than pronounced him dead.

Company response to consumer: Closed
Consumer complaint received 2017-03-13 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: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I have contacted Commonwealth Financial system since XX/XX/2015 ; they have yet to verify and validate this debt and it is still showing on my credit profile ' which is a violation of the FDCPA. All XXXX credit reporting agencies has stated that this account was verified and validated but has failed numerously to provide me with documentation supporting this presumption which is also a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I found in my email a message from website : XXXX paid a mere {$4.00}, {$2.00} in International card handling fee, and another $ XXXX for a product I have never received. I attempted to contact the company and reached a call center. The agent did not apologize for telling me the he was sorry I have not received my prodcuts, but " ... you will have to contact the USPS becasue that is just shipping money ... '' Yet, he REFUSED to provide me with any tracking information and refused to refund the money, which is not much. But I believe these are shady business practices. I have emails but can not get them attached ... The sum of {$7.00} is broken into the following in my FROST BANK account - {$4.00}. XXXX, {$1.00} XXXX card Fee XXXX/XXXX/15, {$1.00} XXXX XXXX XXXX several days later, {$.00} XXXX/XXXX/15

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have been trying for months to have this removed from my credit report. I have submitted credit disputes with all three credit bureaus without success. I have disputed directly with the collection company and I am ignored. Please help me resolve this. This needs to be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Collection agency continues to try to collect on a debt that does not belong to me and was never my bill. The original creditor has attempted to assist me with getting item removed from credit report but collection agency refuses to assist either of us in getting matter resolved. Original debt was established by someone visiting emergency room and using my personal information to get service. No identification was provided or signature from the individual. I have disputed debt with all bureaus and they continue to resell the debt and will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
First an old roommate got a call on HIS cell phone asking for me. Then they gave him personal info about me, asking if he collected my mail. He said sometimes. They were screaming, threatening, and then hung up. Then a few weeks later, they came to his door and gave him a few papers with a bill for me ( XXXX XXXX XXXX ) on it, and small claims info, but with no date. Not in an envelope.I, XXXX, never got personally served, and have been recently homeless. I was living at the given address on this document prior to event. I can be reached at email and phone number on this form. Later, at that address, XXXX bills for different amounts came, but from a person Ray Klein, dba another collection agency.

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
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I received a notification from a hospital that they had a security breach and my personal information has been or could have been breached so I have been monitoring my credit report. There is a collector on my credit so I decided to call them. When I call they ask for my social security which I provided and they were unable to locate me. They tried to tie me to a XXXX XXXX, which I have never lived. I asked to send me proof, which they have not yet they took the liberty of adding themselves to my credit. I have disputed this with my creditors which most removed but XXXX is still saying it is mine, which I do not understand why since no proof has been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
In XXXX we acquired a Mortgage with XXXX XXXX XXXX. Recently I discovered that in XXXX, XXXX XXXX XXXX was not a licensed lender in the State of Maryland, therefore my mortgage is void and not valid. I have verified the information XXXX XXXX XXXX, Mortgage Licensing SupervisorDivision Of Financial RegulationMaryland Department of Labor, Licensing and RegulationXXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX # XXXX have attached case law that you can verify the information from. Additionally the company went bankrupt in XXXX, subsequently there was an assignment done by XXXX in XXXX assigning the Mortgage to XXXX Mortgage. How is this possible when the Original Lender is defunct/bankrupt. XXXX as a Nominee does not have the authority to assign a mortgage when the lender is no longer in business. I have attached additional case law to prove as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
this company is reporting information twice on my profile. It is impacting my ability to get credit .I believe it is malicious and would like it to be removed as it is it illegal to report it twice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I disputed several accounts with Commonweath Financial Systems and they agreed through XXXX to delete several disputed accounts from my XXXX Account. They were listed as NEW as of XX/XX/XXXX after their agreement to delete them in XX/XX/XXXX. Also showing up with XXXX by Commonwealth. These accounts were paid by insurance and never removed by the original debtor. I 've reported this agency to you before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
NE CRDT COL Company violating the law. They never mail me a letter giving me a chance to disputes the claim { XXXX REPORT }. This is a Zombie debt .They did the same thing on my XXXX report, they could n't validated debt. The law is clear they supposed to send me a letter first ( XXXX ) before posting it on my report. CFPB need to stop company illegal debt this illegal debt practicing, They do n't have account number associate with account {$67.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
Mortage was sold or transferred to greentree servicing and they added {$5000.00} to the loan. I do n't feel this is right. They also have my XXXX mortage and the payments went up with out notice and I never got notice the XXXX mortage got transferred or any paperwork on it. I have sent payments to get caught up on the XXXX and they are saying they have not received them. I had the bank fax them confirmation they were sent and now they say they have not got the fax. I went to the bank again and had them fax another copy and even had the bank call them and talk with them. I just got another phone call from them yesterday harassing me about payments and they still have not credited my account. As of now I am 3 months behind and trying to work on getting caught up, but how can I, when they are not acknowledging my payments. They wo n't take payments over the phone, I ca n't make them online because they say they ca n't. So I do it through bill pay. I seem to talk to someone different every time. I do n't think they put notes on my account, so I have to explained myself over and over. They have harassed me to the point I have cried over the phone with them about the payments. I do n't know what to do and feel they just want to foreclose on me. I have just finished XXXX and am trying so hard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
Friday XX/XX/XXXX, I received a letter from my employer with copies from ECMC stating my wages were going to be garnished beginning on XX/XX/XXXX paycheck. This was the 1st and ONLY communication I have received from ECMC. They are garnishing {$200.00} bi-weekly from my check. So, {$400.00} a month. I did not receive ANY documentation advising me of the intent to garnish my wages therefore, I did not have the ability to dispute or negotiate. 

My XX/XX/XXXX-XX/XX/XXXX federal taxes were withheld stating debt collection for student loans but were never applied to the balance of the loan. 

In XX/XX/XXXX, I received a letter from ECMC stating the intent to wage garnish had been cancelled. Again, with no notification of the intent do do so in the first place. 

As of this time, we are a single income family of XXXX with me being the primary source of income. I commute XXXX miles each way. I am unable to afford the shortage in my check. This may possibly force me to look for employment closer to my town at a lower rate of pay, loss of medical benefits and quite possibly my house because I will no longer be able to afford the incoming bills. 

Since receiving the letter, I have attempted several means of communicating with ECMC with no response. The website has either has no record of my student loans or will not allow me to log in. I have also attempted to apply for loan forgiveness programs ( XXXX XXXX XXXX ) but can not complete the application process due to inaccessibility to my account. 

I am employed at a University Police Department and am in the process of admission to complete my degree. It appears to me they have conveniently used my position to solicit moneys before I am completely enrolled. FYI, the last class I took was in XX/XX/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 2015-06-12 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: Debt Recovery Solutions, LLC
State: MA

Complaint narrative:
Credit report check revealed {$1000.00} owed to Debt Recovery SolutionsCalled DRS and was told it was for an old XXXX Account. 
Called XXXX, they have no record of me owing any money. I still have XXXX to this day with a XXXX balance ( home services ).

Company response to consumer: Closed with explanation