vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bowen & Associates Recovery, Inc
State: DE

Complaint narrative:
XXXX XXXX XXXX of Bowen & Associates has called me several times on my cell phone and left voice mails, including to send someone to our home. I am a XXXX. The phone is listed in my name and the voice mails are addressed and intended for me. XXXX XXXX claims our family owed his client monies yet we have confirmed that the alleged, unverified amount is perhaps owed by my father 's employer. Our family does not have any ownership in that company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XXXX XXXX I bought a XXXX XXXX XXXX financed by Lobel Financial. I signed all the paperwork with my payment being {$290.00}. I went down the street to get proof of insurance for this vehicle, I get back, I was told the finance company had already jacked my payment up. I had to sign new paperwork, making my payment {$320.00}. Before the first payment was due, I got a notice that I did n't have adequate insurance and they were going to XXXX my payment up ANOTHER {$66.00} a month. This continued the whole time I had this vehicle. ALL the documentation is being sent to you. The insurance company repeatedly faxed them proof. Come to find out, that 's their SOP. It 's a major league scam. They now operate XXXX offices in XXXX States. XXXX XXXX is an active, practicing Attorney in the XXXX of CA. # XXXX, admission XXXX XXXX. Interesting, he sues the very people he profits from. In XXXX, Lobel Financial paid {$150000.00} in civil penalties, and {$100000.00} to the XXXX of CA for XXXX and costs. Compare all the complaints with the XXXX, Consumer Affairs, Complaints XXXX, and Debtor 's XXXX, they have a well established, documented theme. They 've acknowledged the problem in numerous complaints but have failed to fix the problem. With him being a lawyer, you would think he would have taken corrective action, but has not. I 'm filing a complaint with the 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 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
I was a XXXX time patient at the XXXX XXXX XXXX. When speaking to XXXX, he advised me to come in and for a free XXXX and would bill my insurance and wave the copay. I now have a mark on my credit report showing I have a debt in the amount of {$130.00}. I would like for this to be removed immediately whereas I never authorized this charge and never signed an agreement nor medical release form for billing or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a car at a local dealer named XXXX I was told car was clean title vehical. car was not. I brought car back to dealer car was taken back I was givin XXXX bads checks from dealer for my down pmt I gave him. loebell is the lien holder on this vehical .... I gave car back because vehical was sold under false pretense to me, by dealer and loebell financial, I maid four pmts on this vehical plus repairs this vehical was supposed to be taken off my credit report it has not because the dealer does not have money to buy contract back from loebell they will not give back my pmts or repair money I put down I was lied to from onset of deal I gave car back because dealer, HAD TO TAKE IT BACK BECAUSE HE LIED AND I CAUGHT HIM .... loebell wont release me from loan or pay me back the money I paid them, them for fouir months this is robbery I am not respo9nsible for a dealer or lender who falisfys legal docs which is the case by dealer and lender loebell has not been helpful I have been completely abused by every employee there. I w3ant my payments lost time and money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
phone call was made to me by " XXXX '' threatening jail time for an unpaid balance. A debt I do owe but not to this business. " XXXX. '' somehow got my credit report and used an outstanding balance to get money out of me and was successful to the tune of {$1500.00} on XXXX XXXX 2016. Satisfied the bill was paid I did not pursue the matter until a XXXX call came in stating I owed more money on XXXX XXXX 2016 ; I know I did not! When I asked for proof they hung up and I tried repeatedly to get ahold of them since and have been very unsuccessful. Can Consumer Financial Protection help me?

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 2016-10-27 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX XXXX XXXX XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a XXXX % correct because the owner of the property was illegally billing my account. I have never missed a payment for XXXX years and I have established a great trust with these credit XXXX XXXX and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for 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 2015-03-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: MA

Complaint narrative:
I have paid all copays and just rec 'd a bill from a collection agency. I have never rec 'd anything in the mail before on this. I called the Dr offfice and they say it was because visits that are being billed didnt have a referral but I always had a referral and if they told me that I would have gotten XXXX. I have attached proof that my primary care physician did send referrals. I feel as though this is some sort of way for them to bill people almost 5 years later knowing they will pay or it will kill their credit. I am in the XXXX and will be forced to pay something that is not accurate almost 5 years after the services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MSW Capital, LLC
State: AZ

Complaint narrative:
CFPB complaint dated XXXX/XXXX/16 This complaint is in reference to XXXX XXXX forwarding a direct dispute to MSW Capital LLC and that MSW Capital LLC appears to have never received because of the wrong address and MSW Capital LLC reply to another complaint I filed with the XXXX of New Jersey on XXXX/XXXX/16. MSW Capital LLC continued attempts to collect on a paid account. 

History After a dispute through the CRA 's, XXXX XXXX updated the account as paid. 


On XXXX/XXXX/16 ( see attached ) I sent a direct dispute to XXXX XXXX regarding the paid account being properly reported. They forwarded that dispute to MSW Capital LLC. XXXX XXXX XXXX, NJ XXXX XXXX XXXX had stated they transferred the account to MSW Capital LLC . However XXXX XXXX does not report MSW Capital LLC on there trade line as owner of the account. My credit report has no other account reporting under MSW Capital LLC. 

I submitted a complaint with the XXXX in reference to clarification of MSW Capital LLC address. MSW Capital LLC replied XXXX/XXXX/16 there address was MSW Capital LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( see attached XXXX Complaint ) However MSW Capital LLC response indicates they have not been notified the account has been changed to paid after a dispute through the CRA 's in reference to the XXXX XXXX account. To avoid MSW Capital continue attempt to try to collect on paid account I would like them properly notified. 





Attach credit report showing XXXX XXXX Account paid dated XXXX/XXXX/16 Letter sent to XXXX XXXX XXXX/XXXX/16 Letter XXXX XXXX response XXXX/XXXX/16 XXXX MSW Capital response XXXX/XXXX/16

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 2016-10-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Financial Data Systems
State: NC

Complaint narrative:
The collection accounts were included in Chapter XXXX Bankruptcy. Financial Data Systems ( FDS ), the collection agency, received notice. The original creditor is to be paid by the bankruptcy trustee as listed on the Schedule F of my bankruptcy documents. FDS refuses to mark the accounts as " included in bankruptcy ''. Rather they keep the accounts marked as " medical '' implying that they are actively collecting on the accounts. I have made multiple inquires to XXXX, the only credit reporting agency that continues to list the accounts. They also will not correct the accounts. I view this as the debts still being collected on by the FDS until they are marked correctly so that future creditors will know I am not in active collections or until the accounts are removed all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC.
State: MS

Complaint narrative:
Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
First of let me say for a manager to start yelling at a customer is beyond belief. I reluctantly dealt with XXXX and it was one of the worst things I could do. She constantly made excuses, would not call me back or answer questions. I got answers from another lender. She told me that I did not qualify for a loan because the loan to debt ratio was XXXX. Another lender told me XXXX, and I called her numerous times because I wanted to know, would I qualify if I paid off my XXXX car loan. So it would not be considered debt if it were not there. She never even mentioned any other options after running my credit. She is unprofessional, rude and loud. She got angry because I questioned her lack of customer service, went off on me as though she was some street fighter and frankly she only embarrassed herself! Please allow me to send you the emails where she tried to send me to another company. I did not want to deal with her ecause of her poor customer service and you will see that in the emails. I cant believe you have such an unprofessional person in your employ. I would like to speak to the President of the company. She lied and manipulated me into allowing her to r run my credit information. I sent her all of the documentation and she claimed that she looked it over BEFORE to see if it were feasible to run my credit which I do n't believe she did. All she was interested in was running my credit. Also to try to send me to another lender without even trying to earn my business is disturbing. The emails outline the fact that she was ignoring me and I had to get answers from another lender. She never even gave me any alternatives to make the loan work. 
despite all of this, no 'PROFESSIONAL ' has the right to yell at a customer., tell them anything to run their credit then abandon the customer Here is her information XXXX XXXX , Sales Manager/Mortgage Loan Originator, XXXX # XXXX HomeBridge Financial Services , Inc . 
XXXX Member Preferred Lender XXXX XXXX XXXX XXXX XXXX, NJ XXXX o : XXXX c : XXXX f : XXXX e : XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
They never sent me a letter to see if I could dispute!!!! They Also never gave me the results of the test!!! They supposedly gave me several test. I never got the test results!!! I NEVER GOT A LETTER ABOUT DISPUTING THE DEBT!!! ALSO THESE PEOPLE JUST PICKED UP THE BILL WITH OUT MY CONSENT!!!!! I NEVER aske THEM TO PICK UP MY BILL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Finance of America Mortgage LLC
State: NV

Complaint narrative:
I applied for a mortgage loan in XXXX of 2016. Considering I had credit issues, I was asked to explain and provide information. After the issues were addressed and reviewed by an underwriter ( so I was told ), I was issued a preapproval. I went shopping for a house, placed an offer, paid for a home inspection and paid for an appraisal. When the sales contract was completed, the loan processor started asking for the same loan stipulations during the application process which I submitted immediately after the email. My Close of Escrow was scheduled for XXXX XXXX, 2016. Email was sent back and forth between me, my real estate agent and the loan officer. On Friday, XXXX/XXXX/2016, the loan officer claims we are good to close the following week but may be a delay for a day or XXXX since they were waiting on a credit supplement to gather remaining balances on a couple of accounts that were in collections and showing duplicates. On Monday, XXXX/XXXX/2016 ( COE date ), I received an email from the loan officer asking me to call her back. She told me that I am no longer qualified for the loan due to the credit issues that were addressed in the very beginning of this loan application. I was devastated. She lead me to believe from all her emails that those issues were addressed and I will be able to get this loan. I have spent money, time and effort to get this loan. Had I known in the beginning that the credit issues may be a problem during the underwriting process, I would not have gone shopping for house, placing offers, paying for a home inspection and appraisal. Since I worked for a bank as well, I consulted with my colleagues regarding the decline. I had asked the loan officer to have her branch manager contact me. The branch manager was completely rude to me and my colleagues. He was unprofessional and I felt that I was being belittled for having derogatory information on my credit report, for using a XXXX grant that my employer offers in helping pay for the down payment as well as the XXXX Nevada down payment assistance. He asks why didnt I go with my employer instead of going to them for financing. In addition to the above information, I was not given any type of disclosures after my application and I am still awaiting a decline letter be emailed or sent to me to provide detailed information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
An XXXX from argon agency with extension XXXX called me for the first time some time in XX/XX/2016, he brought a bill to my notice for the first time he very rude and spoke in a very deriding manner as though he felt he was communicating with an irresponsible person I felt very belittled after the call but I still went ahead to set up a payment plan that I adhered to, he called me sometimes twice a month and when I let him know that I made a payment already for the month he had a disparage tone again. I went ahead to explain that I would like for us to set up a particular time of the month when he calls me and he called me again earlier than agreed I missed the call, I retuned it when I saw it as always living him a message saying when I expected the call as earlier agreed the XX/XX/XXXX of every month and I get Notification that he went ahead to reput it on my credit even when I have never missed a payment or made a late payment ..

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 2015-11-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have received phone calls from Midland Credit Management about a claim they say I owe to a company called XXXX XXXX, which I closed years ago. I am very upset they contacted me at home since I have never given out my home phone and it is unlisted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I received a {$500.00} American Express prepaid gift card from a family friend for XXXX. She bought it straight from AmericanExpress.com and had it FedEx expressed to my house. I am a college student and {$500.00} is a lot of money to me. I got the card on XX/XX/XXXX and did not spend any until XX/XX/XXXX. At that time I spent {$54.00} at a company called XXXX. I ordered it from their secure online site and received my purchase. I tried to swipe it at XXXX XXXX in my hometown and it was denied on XXXX XXXX XXXX. At that time I went online to check the balance and the balance was {$0.00} and looking at the charges I know I made none of these. It was quite obvious since I do n't live in New York and do n't have a T-Mobile account or shop at XXXX, or even know what XXXX are. These thieves are so certain that nothing will be done about it that they even paid their POST PAID cell phone bill, XXXX, and even shipped things to their home address. I got {$440.00} stolen from me and when I contacted AMEX they told me that sorry it 's treated like cash and there is nothing they can do about it. So what this is telling me is AMEX got their {$500.00} and take no responsibility that my {$440.00} was stolen because they already got their {$500.00}. I do n't understand how AMEX is allowed to do this, because it is not only supporting theft but also AMEX themselves are stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA XXXX U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I had a bill from XXXX, which I *never* received. XXXX transferred it to a debt collection company - " XXXX '' XXXX XXXX, which I called and PAID on XXXX XXXX. I have the confirm number for this payment. I now have a new bill from Transworld Systems for the very same bill, XXXX... It is as if fedex ( or the creditors ) would like to keep collecting from me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files. Attached is the letter ( Dated XXXX 2016 ) sent and proof of certified delivery.

Company response to consumer: Closed with non-monetary relief