vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.

Complaint narrative:
I emailed a collection company name STELLAR Recovery Inc. back in XXXX XXXX, 2016 to remove a debt showing on my credit report and affecting my credit score. I received a phone call from one of the representative that did n't say her name nor a phone number to get a hold of her and I confirmed to her that the address on the debt does not belong to me and it belongs to someone else. I was told that the debt will be removed from my credit report. I checked again in XXXX XXXX, 2016 and the debt still shows on my report, so I sent a follow up email and I never received a respond up 'til now. 

I also filed a dispute with the XXXX credit bureau and still did n't resolve the issue. I was told to file straight with the collection agency or the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: OH

Complaint narrative:
Good morning, In XXXX 2014 I had a loan balance of {$40000.00} and payment of {$200.00} that qualified for the PSLF as I am a public service employee in a low income XXXX. I then went back to school and added {$18000.00} worth of loans to my balance. The loan servicing organization is how claiming my payment has to be at least $ XXXX to qualify for the PSLF. This does not make sense because my loan balance is only increased by 31 % so why does n't my payment correspond? I should be making a payment of no more than {$260.00}. I have told them I only have $ XXXX but I can scrape together the {$260.00} if I must. However, they are ignoring me and not helping me resolve this problem. They just keep insisting that I have to pay $ XXXX or I ca n't be on the PSLF. I believe they are doing this on purpose because they have realized I will have a large balance of my loans forgiven through the PSLF and they do n't want to lose that money. Additionally I have asked if I can just pay on one loan and defer the other one but still let it qualify for the PSLF but again they are ignoring me and not telling me if that is possible or how to do it. 

I am at a loss here. I want to pay my loans but I only have $ XXXX and they say if I only pay that much I will default. I do n't know what to do. Can you please help me? I do n't want to default but I do n't have any more money and I need to be part of the PSLF. 

Please help if you can. 

Thank you! 
XXXX XXXX P.S. I have documentation of all of my correspondence with PHEAA and the Ombudsman but it is A LOT!!! I attached a summary but if there is anything else you need I do have it, just let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Comerica
State: MI

Complaint narrative:
Over {$63.00} was taken from my Comerica checking account, without authorization from a company called XXXX XXXX XXXX. No authorization was given for this to take place. 

In addition Comerica has taken another {$13.00} from my checking account without my authorization and despite providing all necessary information to the company needed for a " free checking account '' ( an account with no fees ). Totaling over {$78.00} this year alone. Furthermore, Comerica has deliberately, failed to provide me with monthly statements in previous complaints against the bank this year, however, sends me a monthly statement for XXXX 2016 to XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: XOOM CORPORATION
State: NV

Complaint narrative:
XOOM took payment, did not provide service..threatened cancellation..they were told to go ahead and return all monies, they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Debt buyer, Piinnacle, continues to report an old, unverifiable debt to credit bureaus as a new negative. Bureaus wo n't investigate or change information. Pinnacle has an F rating at XXXX and is not accredited. Hundreds of similar complaints. Is your agency able to do anything about this company or the bureaus that report it incorrectly without investigating or is it just open season for those large companies?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: DC

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( FRANKLIN COLLECTION SERVICES, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XX/XX/2009, XXXX, ACCOUNT NUMBER : XXXX, INDIVIDUAL ACCOUNT, {$180.00} ) is inaccurate because Medicare-XXXX General Information : ( " XXXX. We are a doctor 's office and heard that we can not bill people with both Medicare and Medicaid, even if we do not participate in Medicaid. Is this true? 
XXXX. For services that are covered under Medicare, you can not bill a Qualified Medicare Beneficiary ( QMB ), even if your office does not accept XXXX. A QMB is someone whose income does not exceed 100 % of the XXXX XXXX XXXX and who is eligible for XXXX paying Medicare premiums, deductibles, and coinsurance for both Part A and B. 
Even if the person signs a document accepting liability for any treatment costs, you still can not bill them, as QMBs can not waive this right under XXXX. Providers who bill a QMB for costs above the Medicare and XXXX payments ( even when XXXX pays nothing ) are subject to sanctions '' ). ( XXXX ). I am requesting that the item be deleted to correct the information. 
Enclosed are copies of ( Partial XXXX Credit Report with item circled, ) supporting my position. Please reinvestigate this matter ( s ) and delete or correct the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: Check Security Associates, LLC
State: NV

Complaint narrative:
This person XXXX from Warner asset legal department services kept calling me and my husband. I didnt even gave my husbands number and doesnt know anything about this debt company calling us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: WV

Complaint narrative:
Mastercard sites will not find an atm location on their XXXX different sites! this is fraud to get you to pay fees! also spent 20 minutes on the phone ; it finally said hold on for a person. Then said they hade a high volume call back later and hung up on me again ; tried 3-4 times! 
These are the XXXX sites try them ... ... ... ..the last one is SS web site, too! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I 'm reporting on ATG Credit. This firm claims to be collecting on a medical debt. They claim it was with XXXX XXXX XXXX. I asked for verification because I never heard of them. They said that was my responsibility. I also explained if I did owe this debt I had just lost everything, First my health, XXXX. My home was lost due to my health ... They said and I quote " I do n't care about you just if your going to pay your bill ''. Then he added " I will write you refuse to pay your bill down on the comments ''. I said please do n't I do n't refuse I just want verification that I actually owe it. Then he hung up on me. I called back to try to work something out and they said " you went to this hospital and they gave you care to feel better, why wo n't you pay your bill? '' I responded that I 'm now XXXX and finding it difficult to make ends meet. He said " I pay my bills why do n't you pay yours? ". I was literally in tears now. I was never given any proof or a right to dispute notice or anything. I 'm sick, and doing the best I can despite my situation, how dare these dirt bags make such comments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 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: Stellar Recovery, Inc.
State: WA

Complaint narrative:
On the morning of XXXX/XXXX/2015 I decided to check my credit on XXXX XXXX. I was shocked to see that my credit report contained a collection account from Stellar Recovery for the amount of {$120.00} as this was the first time I had been made aware of the outstanding debt. Stellar Recovery, Inc never once made contact with me through XXXX mail, not even a single phone call. The status of the collection account on my report reads " open '' with an open date of XXXX XXXX, 2015. Had I not logged onto XXXX XXXX, I would have never known that this debt even existed. I contacted Stellar immediately and spoke with a representative. I told her that I would need to contact XXXX before paying anything as I did not realize that there was a balance on my account at the time it closed. She informed me that " XXXX has nothing to do with this account anymore and that XXXX does not have record of it '', I also asked her what account # to use in reference to this debt and did not receive an answer. The REAL problem here is that I was not informed of the debt before they reported it to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Immediate Credit Recovery
State: NC

Complaint narrative:
I have been trying to pay a debt presumed owed to this collection agency. I have made XXXX to XXXX attempts but to no prevail. I have talked to a receptionist and they keep telling me to leave a message at another department so someone can call me back. I have yet to hear back from anyone to resolve this issue. I 'm trying to get financing on a house for my family. All I want to do is pay what is presumedly owed so this information can be removed from my credit file and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I 've received XXXX phone calls from Kay 's jewelry ( XXXX at work ) and XXXX voice messages regarding an {$80.00} debt within the past two days! I discussed with them in store I wanted the payments to start on the XXXX of XXXX which I intend to do but this harassment is absolutely ridiculous. Please do something about this ubsurd behavior. This is n't XXXX you know? It 's XXXX. 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 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Data Systems
State: NC

Complaint narrative:
Received statement of charge in the amount of {$69.00}. This is not a debt I incurred. I called them 4 different times and they ha. Be ignored my request to take take my name off this debt. Could you help me resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I received a phone call on XX/XX/2016 stating they had important information about my residence and they stated my address in their voice mail message. My wife, brother, sister in law and nephew all received phone calls today stating they have urgent and time sensitive information they are trying to deliver to me and gave a case #. The phone # they gave for call back was XXXX. 

I have never given this company or this person prior express consent. 

Their company website is found at XXXX Their contact information is given as follows : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX XXXX : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, California XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, 2016 my car got repoed by lobel financial. When they came and got the car the repo man had no paperwork in hand. We had money in hand to pay for anything we owed. I was at work at the time but my husband told him he had money to pay and the repo man told my husband im sorry I have no paperwork and no information on how much you owe. So of course off went the car. I called lobel the next morning to resolve this and that was the WORST experience in my life. They are rude, inconsiderate human beings. I explained to them very nicely that it was mix up and on my bank account. I told them I apologize. I told them I called right when it happened and at that time that person was very understanding and I told them I would pay it on the first. He said no problem I will mark your account. Will ... ... .guess what???? Nope! They would not listen, told me in order for me to get my car back I would have to pay my loan in full. I asked to talk to management no! I called the corporate number they sent me back to the other number. I asked to talk to management they put me on hold for XXXX minutes then call got dropped. I called to talk to the lebal department got put on hold again for a very long time then of course call got dropped again. They will not let you talk to management. Yes! I understand this is a new loan, but I explained to them the situation I went through and they did n't even care. I explained all of this would of been avoided if they would of sent the repoe company some kind of information on how much I owec cuz I would of paid the man.i even offered to pay what was owed in the rear and the very rude lady refused it stating in order to get the car back I have to pay it in full. I asked to talk to the manager that made that decision and she told me no. I asked to be transfered to corporate and with a XXXX voice and XXXX this is corporate. They will not let you talk to anyone. I feel I have been mistreated and unfairly by them and the car .ot. ( which I am opening a case with the lemon law against lobel and the car lot. ) When I got the loan the car lot and lobel REFUSED to add my husband 's income or my SSA income because oh its government money. I even tried to let lobel know when all this happened and they told me I have to pay my loan in full to get my car back because I am a risk I told them again I have more income to report. Once again they did n't want to hear it. What? Are they prejudice against people on government money? Or they just dont want to do extra paperwork. I have financed a car through them in the past.i did n't have no problems with them and paid my loan off. Which they told me thanks for coming back to lobel, we r here to help you. WHICH IS A STRAIGHT UP, IE LIE LIE. 
XXXX 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 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
I have received four calls from XXXX, and they all follow a similar pattern. If I do not answer the calls then no message is left. On the occasions in which I have answered, there has been no response on the other end -- just silence. I have called the number back three times, and each time I was immediately directed into a generic voicemail box. There was no indication of what company was calling and for what purpose. Nothing in their contacts to me nor my attempts to contact them has indicated their purpose. The only reason that I know this number corresponds to a debt collection agency ( Contract Callers Inc ) is because of multiple online searches of the number. To my knowledge, I have never received any written communication from this company, and to this date I have no idea why they are calling me. The dates of the calls are as follows : XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( unanswered ) ; XXXX/XXXX/16 ( answered, no response from the caller ) ; and XXXX/XXXX/16 ( answered, no response from the caller ). I have called the number on XX/XX/XXXX, and twice on XX/XX/XXXX with indication of who the company is, or why they are contacting me.

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 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sterling & Associates, LLC
State: CA

Complaint narrative:
I keep getting calls from an XXXX XXXX at my place of employment. I have had no previous business with this person and have instructed them not to call me at work multiple times, but they do not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: Capital Accounts, LLC
State: TX

Complaint narrative:
There is an amount from a rental agreement that was terminated. The property management company sent a certified letter imposing claims on my security deposit. I sent within 15 days, a certified letter disputed the claim. This was in XXXX of XXXX. I have not heard anything from my former property management company. I received a call approximately in XXXX XXXX from Capital Accounts stating the have a debt from my former property management company. I asked for an itemized account of what was owed. They sent me a letter on XXXX/XXXX/XXXX with the lease agreement, and a ledger. On the ledger, there was an amount for repairs. I called Capital Accounts and asked again, for an itemized record of the amount that I am disputing. To this date, they have not submitted to me validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Terrill Outsourcing Group
State: NM

Complaint narrative:
Unsolicited call from " debt collector '' Superlative RM, telephone XXXX XXXX XXXX. Company stated, " We are a debt collection company trying to collect an outstanding debt. '' Was requested to call XXXX XXXX XXXX referencing a case number. When I called, an automated answering machine indicated who they were, all agents were helping other customers, please wait on the line for the next available agent. The line was answered within one minute and the answerer immediately hung up. This happened successively three times. 

I have no outstanding debts and believe this company to be a scam. When I called the number the solicitation had originated from, XXXX XXXX XXXX, an automated machine answered in both XXXX and XXXX, " This number is no longer in service. '' How could this be since I had received a call from that number less than one half hour earlier? 

I am reporting this company to be a scam and request it be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Element Global Services
State: AZ

Complaint narrative:
Continued Contact after verbal confirmation of wrong number. Misrepresentation of action taken to " close the account. Rude and unprofessional conduct during phone call in the effort to collect a debt. Failure to provide verbal notice of attempt to collect a debt during both inbound and outbound communication.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation