vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SIMM Associates, Inc.
State: SC

Complaint narrative:
A debt collector reached out to my brother in law, who I 've NEVER listed on a loan application as a relative, etc. requesting my contact information ( which they already have ). They explained that they were trying to contact me, or my father, and indicated that they are attempting to collect student loan debt. My brother in law has NO business knowing my personal financial matters, and the debt collector has no business reaching out and harassing him, on behalf of my personal finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I have a judgement from XXXX XXXX entered 2008 and just received a garnishment letter to my company from Glasser and Glasser in XXXX saying I owe over {$3500.00} from a hearing XX/XX/2016. They have now starting garnishing my check. The address they show is incorrect and I was never been served by either XXXX XXXX or Glasser and Glasser ; and second, this debt is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
I purchased a water softener for my home through Castle Credit Corporation and water softener was installed. 
I was charge {$4200.00} for the water softener in which it was a basic water softener. 
I was n't aware of the charges and l am on XXXX XXXX XXXX and Retired. 
I am on Prescribed Medications and a Military Veteran. 
The water softener was installed at my home at XXXX XXXX XXXX XXXX XXXX, Texas.XXXX. 
I am paying {$78.00} a month with high interest and finance charges of $ XXXXXXXXWater softener was installed around XXXX or XXXX 2015.l purchase my home on a VA loan and closed escrow on XXXX,2015. 
My account number # XXXX is not listed on my credit report with XXXX XXXX XXXX. 
Castle Credit Corporation contact number XXXX and fax XXXXXXXXPlease implement this complain in another category of credit.not Mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP

Complaint narrative:
Effective XXXX XXXX, 2014, Selene Finance LP took over my mortgage loan from XXXX XXXX XXXX. Since this time and to current date, I have been in dispute with Selene Finance LP regarding my mortgage payments. It is still unresolved even after multiple attempts and providing them with the proof of payment. My last bank statement included a delinquent notice that I am late on my mortgage payment and that failure to bring my loan current may result in fees and foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
On XXXX/XXXX/2016 i found identity theft on my credit report and began the process of contacting the account holders to resolve the issue. 

XXXX was contacted on XXXX/XXXX/2016 and they do not have a fraud department that anyone can talk with, i was speaking with customer service rep named XXXX and he submitted the fraud claim against the account, XXXX fraud department was suppose to contact me in 3 to 7 buisness day, i was never contacted. 

On XXXX/XXXX/2016 I was contacted by XXXX XXXX Office manager for maury cobb 's law office. I explained to him the issue and faxed him a copy of the police report. i was once again never contacted by t-mobile or maury cobb. 

On XXXX/XXXX/2016 i found that XXXX was still on my credit record and contacted them again and they said that the account was determined to be a legitimate account and was turned over to collections. They give me the collect agency, they said they did not have the account it had be turned over to there Lawyer. ( XXXX XXXX ). Contacted XXXX XXXX and the XXXX person would not give me their name. Called collection agency back and they give me a number to XXXX XXXX, spoke with XXXX XXXX and he understood my problem on the XXXX call and said he had to talk with his office manger and would be calling me back by XXXX i never received a call back by XXXX called so i call them back. XXXX XXXX was very rude and unhelpful at this point and said i need to contact XXXX again and they would be sending me a fraud form in the mail. Contacted XXXX again and they have not been contacted by XXXX XXXX or his law office. 

Called XXXX back the night of XXXX/XXXX/2016 and spoke with XXXX ( employee ID XXXX ). He once again told me that XXXX does not have a fraud department that i could speak with and resubmitted the fraud paper work it would take 3 to 7 days for someone to contact me. 

On XXXX/XXXX/2016 called XXXX back and the fraud department determined the account to be a relationship fraud and need the police report faxed to them. I explained to XXXX ( employee ID # XXXX ) that this could not be a relationship fraud because the account was opened by an unknown person in texas and i live in alabama with no connections to texas. 

XXXX/XXXX/2016 - Faxed a copy of the police report to XXXX and called to check to ensure they received the report. The customer service rep did not see that the fraud department had receviced the fax and would make a note on the account. He did not give me his employee ID #. 

Information from XXXX Fraud account number - XXXX customer service number - XXXX Collection agency information Amsher - XXXX XXXX XXXX information XXXX XXXX - XXXX I have attached a copy of the police report as well as fax transmission report to both XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: POPULAR BANK
State: CA

Complaint narrative:
I have already settled the balance that it is saying I owe ( {$250.00} ) years ago. As it is, there is no branch for me to walk into to settle this issue, and it is causing financial issues for me. I have already paid the {$250.00}. 28.

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 2016-06-24 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Selene Finance LP
State: VA

Complaint narrative:
Repeatedly calling concerning. a mortgagee there to four times daily. The mortgage has been modified for months. Payments are up to date and when told this, we are told they have no way of knowing this because the computer automatically generates the account as delinquent and they will continue to make the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY

Complaint narrative:
As I see the most recent news into the lawsuit against XXXX, I have to reach out in regards to another XXXX loan agency -- NJ Class. These loans are administered by a state agency, the New Jersey Higher Education Student Assistance Authority ( NJHESAA ). The constant disorganization of the company and the horror stories I hear from other people -- I feel like this is a prime example of a loan agency unwilling to help students pay back loans affordably. These loans come with high interest rates with no end in sight on when or how to pay back. The site has not been updated in 10 years, making it extremely hard to track progress and understand loan payback. They do n't offer good refinancing options -- only a 25 year option. Their customer service agents are rude and condescending. I 've had several incidents where I called and one agent told me one thing & the other told me another -- which in the end costed me hundreds of dollars in interest that went into their pocket. There are a few inconsistencies with bill dates & how much interest you accrue. Overall, they are not an honest & reputable agency -- like XXXX, they should be looked into. I have been lucky enough to pay off most of my loans to date but I know the struggle and strain it has put on myself, my parents, my brother, and friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: North Shore Agency, LLC
State: TX

Complaint narrative:
Received a letter in the mail from North Shore Agency, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX stating that they are writing to collect {$24.00} that I owe for XXXX magazine subscription. 
No other details about my subscription provided to substantiate for which subscription period etc. 

I have all records showing subscription is paid and check was cleared by XXXX XXXX magazine for my current subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Bureaus, Inc.
State: MN

Complaint narrative:
Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX violated the CFPB Consent order dated XXXX by claiming an amount greater then the Write off amount in their affidavit dated XXXX. They also make many other misleading claims in their affidavit.

Company response to consumer: Closed
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
Accounts Account Name Account Type Open Date Status Balance XXXX Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
Received letter from Maury Cobb Attorney At Law LLC- trying to collect a debt. That is not our debt, called them to let them know that the person to which debt belongs to does not live here nor has never lived here. They did not let me explain this and they hung up the phone on me, I tried to call them again to explain and was hung up on again. The Letter is addressed to XXXX XXXX which is my husband 's name XXXX XXXX but he is XXXX, the debt is for XXXX XXXX XXXX. When we first received a letter from XXXX to whom the debt is with. We called them to inform them that the Debt was for XXXX XXXX XXXX, who has never lived at this address, to please correct there records. Please Help me with this matter for obviously the staff at the Law Office was very rude and did n't let me explain this. I did n't want to speak about the debt for this is not our business, just to let them know that this person does not live here and has never lived here, They need to stop sending this letters to my home. I received the letter on XXXX/XXXX/2016 and called them this same day. If you would like I can e-mail or fax the letter to you. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: CA

Complaint narrative:
I have a collection account on my credit report maintain under my Social Security number from a collection agency the Bureaus Inc stating I owe {$10000.00}. On XX/XX/XXXX I mailed them a certified letter formally requesting validation of the debt pursue to the Fair Debt Collection Practies Act. I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I also stated that it is a violation of the Fair Debt Collection Practies Act if they can not verify the debt they must notify all XXXX credit bureau 's to remove/delete the entry. The United States Post Office had made two attempts to deliver a certified letter to Bureaus Inc address listed on my credit reports from XXXX XXXX XXXX XXXX, IL XXXX. The United States post office returned a letter to me XX/XX/XXXX.I notify all XXXX credit bureau 's listed above in this complaint the address provided for ( Bureaus Inc ) by their agenciesand the post office was unable to deliver my certified letter that 's violating my due process of an adverse action as I was seeking to get information of this debt filed under my Social Security number. I asked all XXXX credit bureau 's to validate the information with Bureaus Inc and provide me with copies of any documentation associated with this account bearing my signature and stated to them in the absence of any such documentation bearing my signature I formally request that the information immediately be deleted from their credit file maintain under my security number. I also mentioned in my letter in accordance with section of statute 611 you are required to remove this account from my credit report as it is undeniable proof of and in accuracy of a reporting on my credit history. The three major credit bureaus stated that the information is correct upon looking at my credit reports Bureaus Inc updated my XXXX credit report on XX/XX/XXXX XXXX was updated on XX/XX/XXXX and XXXX what 's updated on XX/XX/XXXX. As verified how could Bureaus Inc validate my Debt and yet at the same time refuse to except my certified letter asking for verification and validation of any evidence bearing my signature of this account. I believe that Bureaus Inc is acting in bad faith, and not have complied with the Federal Trades Commission 15 USC 41, et seq. Subchapter V Debt Collector Practices. I feel that they are liable for willful noncompliance as per FCRA 807 false and misleading representation [ 15 USC 1962e ] for their unwillingness to except my certified letter requesting validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This debt is my sons debt he was not living at my home and he was XXXX when it happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 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: United Revenue Corporation
State: KS

Complaint narrative:
There are XXXX accounts listed on my credit file that are unknown, I have disputed and requested validation and nothing has been received. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 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: North Shore Agency, LLC
State: OR

Complaint narrative:
On XX/XX/2016, I bought a XXXX contract at Target that included a Galaxy S5 cell phone. The phone HAD TO BE returned within 2 weeks to cancel the contract. I found XXXX 's rates too high and their service unreliable. Just before I bought the phone, customer service told me that this would not cause my rate to rise. After I bought it, they changed their minds. The new rate for the XXXX phone would have been over {$1000.00} per year. On XX/XX/2016, I returned the phone to Target before the XXXX deadline and got a receipt ( see p. XXXX of XXXX ). XXXX has been lying about the return date and billing me for an " early termination fee '' ever since, in spite of repeated attempts I made to correct this ( p. XXXX of XXXX ).

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: Lien Enforcement Inc
State: AZ

Complaint narrative:
I am resubmitting complaint against Lien Enforcement. Inc ( follow up to submission XXXX as I have clear and to the point proof that the car was as I said, NOT under my name and had been transferred as of XXXX XXXX 2015, as release of liability and title was transferred over. This document is solid proof, and before I raise this to legal grounds, you immediately remove me and anyone else from your fraudulent " list '' of " owners, ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Greenback Recovery Group, LLC
State: TX

Complaint narrative:
I asked Greenback Recovery Group to stop calling my job, but they refuse to do so. Today, XXXX XXXX, 2015, I am sending a letter to the company with the request again. I know that I have a debt to be paid, but I asked them to stop calling my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently pulled my credit reportJPM Chase is reporting a charge off on my acct I called them several times to verify the debtI told them I never received a bill they said they were sending it to an old address it looks like they send the card to a wrong address and someone stole my card or my card number was stolen through a store I dunno. I explained so I asked them to send me all charges on the acct starting from XXXX dollars till XXXX dollars that they are reporting they failed to supply me with the charges on the bills all they sent me was XXXX statements of ending balances with XXXX purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My ex wife XXXX XXXX applied for a student loan and added me as a cosigner without my consent or knowledge. Once I became aware of this unauthorized account I filed a police report and contacted chase, initially chase requested copies of the police report which I submitted twice which they said they never received. A few weeks back I attempted to contact chase again, I submitted all paperwork which included copy of my driver license and my signature to show the signature on the application was not mine, they wrote me back asking that I get the paperwork notarized and resubmit which I did. They then responded by stating they find the account to be mine. I asked how did they come to this conclusion, what investigation method was used, but they failed to respond. I have asked my ex wife to please contact chase and claim sole ownership of this account, she said it not on her credit report therfore it does not concern her. I have never attended college and I have never applied for a student loan.

Company response to consumer: Closed with explanation