vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX LOANMART, Wheels Financial Group , LLC XXXX LoanMart ( " LoanMart '' ) operating out of XXXX CA, phone number ( XXXX was informed that the loan reported on my credit report was as a result of Identity Theft. For the past XXXX years, my credit report has a security freeze with instructions to call my cell phone before granting a credit. The people who keep using my social security number, have attempted several times to apply for the credit and those creditors who follow the instructions and have adequate policies and procedures when the security freeze is showing up, they all call me and I stop the process. I have never received any communication prior to granting this credit by the LoanMart nor have I authorized it. After I disputed this information, instead of reviewing their own file and identifying the gaps, LoanMart sent me a letter with XXXX items for me to provide : XXXX ) A signed copy of an Affidavit of Identity Theft == & gt ; there was nothing attached to the letter, which Affidavit would be satisfying for them? 
XXXX ) A copy of the police report ( matching the police report case number that I filed and already provided ) 3 ) a copy of my personal identification I have a problem with providing my personal identification as well as the police report to the company that does not have proper Customer Identification Program ( CIP ). Had they followed proper XXXX, they would identify that the person applying for the loan was doing so fraudulently. I have no confidence in this company that if I send copy of my ID and a police report, that it will be properly handled. Hence, I refuse to provide copy of these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I am a single XXXX XXXX mother of XXXX children and have fallenbehind on my first mortgage payments to the XXXX XXXX XXXX XXXX XXXX, Trustee. My loan is serviced by Shellpoint Mortgage Servicing. I haveapplied for a loan modification and have supplied all the necessarydocuments, in some cases several times. I do n't believe that I ambeing treated fairly or that my information is being properly considered. 
I would like your help in get a loan modification so that I can save myhome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: North American Credit Services
State: FL

Complaint narrative:
This agency has repeatedly violated my rights under the Florida Consumer Credit Protection Act ( Fla 559.27 ). When they were notified back in XX/XX/XXXX, they sent a file to a XXXX. They are again pursuing collection in violation of fla law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
I have received XXXX " NOTICE OF JUDGMENT '' for XXXX unpaid parking citations in City of XXXX through the law firm named Linebarger Goggan Blair & Sampson, LLC. The letter contains wrongly accusation, scary threats, and stressful. I have never owned any XXXX Vehicles listed in the Citation. I did n't travel to City of XXXX on the Offense Date or Year. I have no clue where these citations came from and why I keep getting these harassment!!! 

My daughter had left many messages at the provided number XXXX but no responses. I 'm a senior person. I ca n't tolerate this wrongful accusation any longer. If I have a XXXX XXXX, my children will seek justice for me through the legal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration
State: OH

Complaint narrative:
Company called work phone number ; left a message that they were attempting to contact me before arrest warrant is issued on a debt that they contacted me about ; I do n't owe any payday company any money ; within XXXX minutes they also called my cell phone same message left with a callback number of XXXX

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: Kriya Capital, LLC
State: GA

Complaint narrative:
My son and I were in an XXXX in XXXX 2015 and covered by XXXX XXXX XXXX. He was taken by ambulance to the hospital by XXXX XXXX XXXX. The insurance covered up to {$5000.00} in medical expenses. I provided XXXX XXXX the accident claim # XXXX. Now I have received a {$2100.00} collection bill from Credence. I am not responsible for this and XXXX XXXX has failed to collect payment from 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 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: North American Credit Services
State: FL

Complaint narrative:
Placed {$350.00} Medical debt on my credit report unwilling to send me any more correspondence even though I never received any in the first place. Spoke with ladies named XXXX unwilling to except Payment arrangments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: First Data Corporation
State: MO

Complaint narrative:
On XXXX XXXX 2016 I had a check declined at our local XXXX XXXX store. I was given a ticket with a phone number to TeleCheck to find out the reason my check was not accepted. After several attempts I was able to speak with a representative with TRS Recovery Services. They informed me a check of mine written on XXXX XXXX, 2016 at XXXX XXXX did not clear and they would wave their fee of {$50.00} if I wished to give them my credit card number and pay over the phone. I told them I had no record of buying anything on this date and would not give them my credit card number not knowing if this was a scam. I asked why I had not received anything by mail informing me of this situation, but was not given an answer. I was instructed to go to their website and file a dispute claim if I felt this was an error. I have looked at their website and their claim form and it is requesting all my personal information such as social security number, drivers license number, bank account and routing numbers. I do not feel comfortable providing a company I have never heard of this information. While investigating this company on line I have seen several sites with comments of this being a scam and or a poorly run company that makes many errors in collecting for inproper payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Receivable Solutions has reported incorrectly. Each time we try to talk to them we get threatened. Last year they had reported duplicate accounts. Now those accounts are removed and XXXX account has been reported of over {$6000.00} the dates are wrong and the amount is wrong. Yet they will not talk with us even in order to set up payment schedules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I am the only person on the debt. XXXX XXXX from NCBI called my husband at work and proceeded to tell him about the debt. He is not on the debt nor is he responsible. We have been having issues and now he is talking about leaving me due to him being contacted, especially at a work number. I am not working nor able to at the moment. She also lied and said she was a representative of XXXX XXXX and kept saying she needed a formal agreement for me to make payments before she could hang up. I want something done. NCBI or NCB Managment can not be trusted. They lie and do whatever they can get by with to get you to pay. Also I never received any paperwork from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NH

Complaint narrative:
On or about XXXX XXXX, I received a letter from American Medical Collection Agency that I owed an unpaid debt to XXXX XXXX XXXX XXXX in the amount of {$110.00}. Despite writing to the Agency asking for proof of the debt, they reported the debt to all XXXX credit bureaus. 

I was surprised to learn of this collection debt after I was denied a mortgage. Upon contacting the company, I was told that I had an outstanding balance of {$110.00}. I was told by XXXX of the representatives that if I wanted to settle this right away, I would have to pay additional processing fee, equaling a payment of {$110.00} which I made on XXXX/XXXX/XXXX, Confirmation # : XXXX ( please see attached ). 

Upon reviewing my past credit report, I noticed that the debt was reported in collection as of XXXX/XXXX/XXXX. Upon further investigation of my records, I noticed that I had previously filed a complaint against the Agency on XXXX XXXX, XXXX, after the credit bureau found that the debt was not valid. 

As you can see in the attached letter from the company dated XXXX XXXX, XXXX, they agreed to close the account and have it deleted from all three credit bureaus. 

From XXXX XXXX to about XXXX XXXX, this item was not being reported with any of the credit bureaus, nor was I contacted by this Agency or any other company about this debt. 

I am attaching proof that this debt was never mine, and in fact the company agreed to remove it from credit report. 

I have paid this company {$110.00} that was never owed to begin with. I am asking that you please investigate the illegal activities of this company. In addition, I am asking that they refund me the {$110.00} that was paid to them on XXXX/XXXX/XXXX. In addition, I am asking that the Agency grant me any other remedies available due this company 's unlawful collection activities. 

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 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (FL)
State: TX

Complaint narrative:
The original request for payment from the debt collector was mailed to me on XXXX XXXX. I mailed a request on XXXX XXXX to verify and validate the debt. I received no communication from this company. On XXXX XXXX I sent another letter indicating the I had not received the information in the 30 days allowed by the Texas Debt Act as such the debt was invalid and to stop collecting practices. On XXXX XXXX they placed the debt on my credit report as a unpaid collection. I later found out that they do no have a surety bond allowing them to collect debt or do business in the State of Texas. In fact it was cancelled XX/XX/2015 so any and all business within the State of Texas is being done illegally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
A lady named XXXX XXXX from XXXX Management Services Incorporated left a voice mail this morning regarding a debt and requesting to call her back at XXXX - Ext. XXXX. I quickly knew this called was not intended for me because I do n't have pending debts and I had never heard of XXXX XXXX XXXX XXXX XXXX, an institution she is collecting a debt for. When I called her, I quickly identified myself but from the very moment she answered her phone she was loud, rude, disrespectful and sounded bitter and extremely angry, loudly. I tried to tell that I received a called from her in an attempt to collect a debt. I also tried to tell her that I 've had this phone number for about XXXX weeks and that she probably wanted to contact that previous person that had this number. She did not even spent a second to listen to what I had to say. She kept on going with her harsh and nasty tone of voice. I repeated my phone number twice as per her 'demand ', then I told her my name three times as she 'demanded '. Every time I try to say something else to explain the reason of contacting her back, she would speak over me and not let me talk. At some point during the speedy, one-way conversation, she told me she -had not finished talking yet! -. and kept questioning if I had an account and I said no. Then, she demanded from me to spell out my name. At that point I decided that I did not have to put up with her abusive and condescending attitude and hung up. I called her to clarify who I was and to also request my phone number be removed from the list of debtors. I even have my answering machine stating my name and do n't understand why they still will leave a message to collect a debt I do n't have and never did. This woman crossed the line ; she was insulting and abusive!. By far this the most disgusting person I 've had to deal with in my life. Please, someone make these people stop their abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 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: First Credit Services Inc.
State: NV

Complaint narrative:
I have been a member at this gym for a number of years. Recently, due to the XXXX and a job that requires a great deal of travel, I have not had the ability to use my gym membership. I continued to allow myself to be billed for a number of months. A few months ago my credit card expired and the local gym manager ( I do n't have his name ) asked me if I would provide him a new XXXX. I said I would like to cancel and explained my situation to him. He said " ok '' and hung up. A XXXX later, a new gym manager called and asked me to provide a new credit card. I explained what the prior gym manager told me and he said that was not a valid cancelation and that I would need to go in to the location and physically cancel. This is not an option for me. I then contacted the gym ( local and national office ) and provided them a written cancelation, which was not honored. I finally was forced to take the step of putting a stop payment on the payment with my bank because despite my revoked authorization, they kept pulling money from my account illegally. Today I received XXXX calls from a rude debt collector. At this point I feel that XXXX XXXX is preying upon my family. They are trying to send me to collections for a service I canceled in writing. 

Furthermore, there was no extension of credit. This is an extremely deceptive and abusive practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Supreme Lending
State: CA

Complaint narrative:
XXXX XXXX ( DBA Supreme Lending ) NMLS ID # XXXX is the lender and XXXX XXXX of XXXX XXXX is their loan officer. Have gotten false and conflicting information consistently from XXXX and his office and have tried contacting both the regional manager ( XXXX XXXX ) and the branch overseer in Texas ( XXXX XXXX ) and received no response whatsoever. Disclosures came in wildly different than what XXXX represented on the phone and then he promised orally to send new ones that were correct and took weeks and much cajoling to do it even and they were STiLL wrong. Months of delays and then tells us that the files still have n't gone to underwriting because " they fell through the cracks, '' then he says later that it was " customary procedure '' for them not to get the file approved until AFTER an appraisal, which was n't ordered until weeks after the file was at Supreme Lending. When challenged, he then said that 's the way Supreme Lending does it. That 's odd, since they are charging the borrower for the appraisal even before they know if they can do the loan. Furthermore they did n't even ORDER the appraisal for a month while they had the entire file in their possession. Furthermore, XXXX prior lending partner ordered an appraisal for XXXX of the properties and it was completed and never paid for ( the company went out of business ), so the appraiser is going after US for the payment because he refuses to do the right thing and pay them and get a correct appraisal at the same time. Now they are using a demonstrably WRONG appraisal as the new basis for doing the loan at a much reduced value. We have detailed the inaccuracies and they have taken a week to respond and then basically said they were n't going to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA pulled my credit report this resulted in an inquiry, which in turn lowers my credit score. There is an alert placed on my credit report to verify my identity. USAA made no attempt to verify my identity. I was told to call Equifax and have them remove the alert and then reapply for credit. This is unacceptable and extortion. The only reason listed for denial is Unable to verify applicant 's identity. XXXX application should not result in multiple inquires into a credit file and one should not be extorted into removing a protective alert because a company can not be bothered to attempt verification of identity. I have never had this problem as most companies ask verification questions as part of the application process.

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 2017-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: ASPIRE FINANCIAL INC.
State: TX

Complaint narrative:
My husband and I recently refinanced our home with XXXX and was overcharged in our closing documents. We paid for our XXXX certification that is required by the VA administration, which is also suppose to be not an expense to the borrower. We were then charged again in the closing documents. We also gave XXXX a copy of my divorce decree showing that I was awarded my home in my divorce. XXXX did not supply a copy of this decree to the title company at closing and the title company requested a copy from the courthouse and charged me in my closing documents. During the XXXX month, ordeal of getting our home refinanced, we experienced bad customer service, lost numerous documents that was submitted to XXXX numerous times. The XXXX managers was unprofessional in all aspects of this refinance process. I even at XXXX time tried to reach out and talk to the XXXX of the company just to receive a call from XXXX of the managers stating that, " the XXXX does n't talk to customers. '' If this is true then the commercial 's that is aired on TV is false advertising, and the customers that he is showing as a true customer is fake. At closing with the title company, our closing documents had numerous forms that were still incorrect even after we submitted them to XXXX numerous times. I even contacted XXXX of the managers to state that they over charged us for the XXXX certification by {$320.00} to only be hollered at by this manager. I even had my cell phone on speaker phone and the title company closing officer was in shock to hear the tone and what this manager said to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. I would like you to investigate my charges on my visa made by these fraudulent companies : XXXX XXXX XXXX and XXXX XXXX. I got contacted by these companies by unsolicited telemarketing phone calls and they promised me a profitable at home business. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. It is clear that they never intended to fulfill their end of the deal. They did not provide the services I was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
There is an account from Diversified Consultants stating the original creditor is XXXX listed on my credit report stating the open date is XXXX. This is not my account. I have had XXXX for 2 years. I never received a dunning letter from Diversified Consultants and have called and written letter to Diversified Consultants and XXXX numerous times with no resolution. This account needs to be removed from my credit report

Company response to consumer: Closed with explanation