vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Data Line Credit Corp
State: CA

Complaint narrative:
This debt was taken off my XXXX credit report, because it was a falsely reported item that was in another persons name. I had to hire an attorney to do so. During the process to acquire a mortgage, I noticed that the debt had not been deleted off of XXXX or XXXX. I called Data Line Credit Corp, to request a deletion letter. A man who answered the phone, once he had my account number, proceeded to tell me that he never deleted the debt, and if i thought that was happening, I should " shut my XXXX mouth and try too live my life right, because he was going to sue the XXXX out of my XXXX and I would not have " a dime to jingle '' after he '' took my XXXX XXXX nickels that I had to rub together. '' I calmly stated that I just wanted another letter of deletion, as he had already provided XXXX to the credit bureau, at which point he shouted " you can not record me XXXX and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: NY

Complaint narrative:
XX/XX/2015, I used the Commuter Check Card from ADP to buy the monthly XXXX subway card. The pre-tax benefit amount of {$110.00} was deducted but did n't get added to the subway card. Upon extensive correspondence with XXXX, they informed the said amount was refunded to ADP. ADP initially said they did not get any refund on the card and on sending XXXX 's response letter and refund confirmation to ADP, they stopped responding and still have not issued the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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: First Data Corporation
State: MA

Complaint narrative:
A " letter from XXXX-First Data Credit Card Transactions Clearing Service named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX or XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XX/XX/XXXX-XX/XX/XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in Sen. XXXX 's Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from XXXX XXXX XXXX for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX-First Data offers self-opposing facts, untruthful information & no useful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
( NCB MANAGEMENT SERVICES, INC ), continued attempts to collect debt I do not owe. 
I have disputed ( NCB MANAGEMENT SERVICES, INC ) account number XXXX because the debt is not mine with the Big XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report and ( NCB MANAGEMENT SERVICES, INC ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Union Adjustment Company, Inc.
State: CA

Complaint narrative:
My account was forwarded to a collection agency known as union adjustment after I filed for a chapter 13 bankruptcy, the XXXX account was included in my chapter 13 bankruptcy. XXXX continues to report my account as open, NOT included in bankruptcy and reporting that it is late. In addition, 1 year after filed for bankruptcy XXXX forwarded my account to a collection agency. This is a violation of bankruptcy laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23 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: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
In 2007, I only registered spring semaster @ XXXX for total tuition of {$5000.00} but I withdrew all my classes before semaster stated. After a year later, the bursar 's office mailed me a bill stating I owe them {$5000.00} unpaid college tuition. I called them right back and told them I withdrew all the classes prior to semaster start date, I did n't attend any classes at all and should n't pay it. 

Since then, the debt collection agency keep calling me at work, home, even on my cell phone. I did not give out any of my numbers. They making threats to levy my bank account and put a hold on my paystubs. Especially this year, when this person named XXXX XXXX from Security Credit Systems XXXX XXXX ext XXXX did boiler room harrase me by calling my work and cell phones everyday. He made threats to me telling that he will put a hold on my paystub until the debt is paid in full and levy against my bank account. He even asked my new home address so he can send more debt collection mails. I am really scared right now and do n't know what to do. This is not my Debt since I do not owe the school anything. 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 2016-09-11 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid XXXX over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from NCB Management. I really thought it was a scam, until I finaly contacted XXXX. I contacted NCB Management, and proceeded to make monthly payments, which began in XXXX XXXX. NCB Management, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being XXXX for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted NCB Management, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that XXXX is now reporting the same account as a new account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: NJ

Complaint narrative:
Called this work related phone number after being told that this was for work purposes only and a personal number was given to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Remitly, Inc.
State: OR

Complaint narrative:
On XX/XX/2016 I registered and initiated a money transfer operation with a company called Remitly, Inc. During the process I told them I was stationed overseas. To confirm my identity they told me in a telephone conversation with their risk management staff member that I must provide them a copy of my military ID. I am currently XXXX. 

I informed Remitly that copy of a military ID is a criminal offense under Title 18, U.S. Code, Part I, Chapter 33, Section 701 and are punishable by fine and/or imprisonment. Remitly 's response is that Know Your Customer trumps federal criminal statutes. They refuse to process my transaction unless I provide them a copy of my military ID. 

Remitly is requiring the commission of a felony in their business practices. They need to be shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK
State: VA

Complaint narrative:
I have lost my job and do not make any meaningful money to pay the exorbitant mortgage. I have contacted Astoria Federal many times for assistance and modification but they always refuse to modify my mortgage. I was once given a reason that Astoria Federal do not conform to Federal Regulation and are not obliged to help me in any way. I have lived in my house since 2001 and my children and the entire family love our family home, community, schools, and church. I can not afford to loose this house and we love to continue living in this house. It has become our sacred home. Currently, Astoria Federal has increased our months payment from {$1900.00} which was incredibly difficult to bear to {$3300.00}. Efforts to modify and lower the monthly payment of {$1900.00} has been denied four times, but rather increased to {$3300.00}. Astoria Federal is just taking advantage of us financially and extorting. All efforts to modify or alternative assistance has been denied by Astoria on four consecutive times. I therefore write to request that my mortgage be modified as I lost my job and do not make meaningful money but my wife 's income is substantial to work for the modification. I ask that Astoria Federal work with us so that we can continue live our home and do not become homeless as the children are scared of becoming homeless now. 
Mortgage Company Information : Astoria Federal Bank Account Number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX9242Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I was contacted by this law firm- Linebarger , Zgoggan Blair & Sampson claiming to collect a debt on behalf of XXXX prepaid program, but the issues with the letter they sent me were that : it had the wrong parent company name ( they used XXXX instead of XXXX ), they used the wrong website ( XXXX, instead of XXXX ) they used an account number that was n't mine, and my account setup with XXXX mandates that they automatically reload my account from my credit card, so having an outstanding balance is not possible. My opinion is that this law firm - Linebarger, Zgoggan Blair & Sampson is practicing some sort of fraud to collect money from toll customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 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: PMAB,LLC
State: NC

Complaint narrative:
About 4 years ago I went the XXXX XXXX XXXX XXXX for a XXXX issue. A portion of the visit was not covered by my insurance. I paid the bill I was sent to the address I had on file. I sent the final payment of {$37.00} on XX/XX/XXXX. Unbeknownst to me, the XXXX company had changed collection firms and I was supposedly sent a bill with a different address for remittance. I did n't learn any of this until nearly XX/XX/XXXX when I started getting phone calls at all hours of the day and night 7 days a week from XXXX in XXXX, NC. I sent them faxes of my cashed check showing I had paid. They said I had to contact a company in CA ( the XXXX XXXX XXXX XXXX?? ) which I did. They were rude and told me I had obviously paid the wrong people. I paid XXXX XXXX and they cashed the check. I suggested that they should be collecting from XXXX not me. Well ... the calls stopped for awhile but they circle around again for several weeks at a time. In my humble opinion they could have written this off 3 years ago - or better yet corrected their records as I DID pay the bill - and saved a lot more money. I no longer answer the robot calls and I do not answer the " real person '' calls as they do not listen when I provide them proof that I 've paid. It 's extremely annoying. I have moved since this all started and I am not sure I can put my hands on the original documents anymore. BTW - I NEVER received a past due statement except for the XXXX I ignored because I had already paid the bill. I NEVER received any communication from XXXX, the XXXX XXXX XXXX or anyone else until that XXXX phone call in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Since 2013 I 've been receiving letters and calls from collection companies and XXXX Phone company, someone else under the name of XXXX XXXX used my identity to get different services including XXXX, XXXX did not verified my identity and allowed him with equipment and services using my name. 
On 2013 I discovered with my husband that we both were victims of Identity Theft, and we started submitting the information to the Police Department and followed with Credit Bureaus. 
The last company from which I received letter wasCredence Resource Management, LLCXXXX XXXX XXXX XXXX XXXX, TX XXXXit was on XXXX XXXX, XXXX called this collection company and reported them about the issue, XXXX has been selling my supposed debt through different companies, and after almost 3 years I 'm still dealing with bad credit report, letters and calls. 
I will submit a copy of the Police Report and the last letter that I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
XXXX XXXX 2015 a short sale package with all supporting documents was faxed to Shellpoint mortgage. The negotiator and management at Shellpoint do not return calls or provide status updates. As of today the file has been with the investor for possible approval for over a month with zero follow ups or updates to me. They do not return calls and do not keep track of documents nor do they negotiate in good faith. I have been working short sales for 9 years and am blown away at their lack in communication or consequences behind not working files properly. They need a serious overhaul and should be required to train their staff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North American Credit Services
State: MD

Complaint narrative:
i did not owe or have any contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
This company Credit Management LP has accessed my Consumer Credit Report without lawful Authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked him to send me any documentation that they have that gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given them consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be filed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
The following company has repeatedly called me AFTER I sent them a letter SPECIFICALLY telling them to not contact me by telephone : BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX The Phone number they use is : XXXX I have since blocked that number but expect them to try and use another. 

The text of the letter sent to them is as follows : " SENT PREPAID USPS FIRST CLASS MAIL BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX RE : Reference No. : XXXX YOUR CLIENT : XXXX XXXX XXXX Hospital Dear Sir or Madam : This is not a valid debt and I vigorously dispute it. 

Enclosed you will find a Debt Collectors Disclosure Statement. I trust you will find it self-explanatory. 

You are also instructed to NOT contact me by telephone at home, work or facsimile. You may communicate with me by regular USPS mail. 

Any derogatory reports made to any credit reporting agencies will be met with the full remedies provided by law and a Complaint lodged with the Federal Trade Commission. 

Please govern yourselves accordingly. 


Sincerely, XXXX '' Enc. : XXXX pages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Linebarger Goggan Blair & Sampson LLP
State: OH

Complaint narrative:
I was XXXX in XXXX 2009. At that time, I was receiving XXXX for my XXXX. While XXXX at the XXXX, I spoke to a VA Representative who assisted me in stopping these payments while I was on XXXX. I filled out the paperwork with her, and we scanned it into the VA. I went directly to XXXX from XXXX XXXX. While XXXX, unbeknownst to me, I was still receiving payments. When the " stop payment '' paperwork finally caught up to the VA, payment was halted ; however, I had incurred a debt. Upon my return to the states and upon filing income tax returns, I discovered this debt. I contacted the VA, who informed me they had sent it to their XXXX XXXX XXXX. I fully paid the debt, satisfying the case against me. This past year, I have been attempting to clean up my credit report. I contacted the VA and asked them to remove this negative remark on my credit reports, especially since I was XXXX, unaware I had a debt, had tried successfully to stop payment, and paid the debt in full as soon as I became aware of it. I was informed they would not remove it. I would like it cleared off of all XXXX ( XXXX ) of my credit reports. I am still XXXX and hope to purchase my XXXX home soon. Any help would be greatly appreciated. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I received XXXX County 's Original Citation submitted by Linebarger Goggan Blair & Sampson , LLP, signed by Attorney XXXX XXXX XXXX representing XXXX County Toll Road Authority. The citation states that I have to pay {$130.00} for the unpaid toll of {$5.00} that occurred on XXXX XXXX, XXXX. I have never received the original bill from XXXX XXXX XXXX XXXX XXXX that they claim they had mailed to me on XXXX XXXX, XXXX. According to XXXX County Toll Road Authority, it was only ONCE ( first and final notice ) that the bill was mailed to me. Three years later, without any reasonable option to pay the unpaid toll, I was faced with the citation with the beyond unfair and unreasonable collection fee. I am filing this grievance because the attorney representing XXXX County Toll Authority had not made any attempt to contact me and give me an opportunity to pay this toll. I have tried several times to contact the Law Firm ; however, I did not get any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
In XX/XX/XXXX, I received a bill from my dentist for {$270.00}. I have him set up on the AstoriaBank bill pay service with the correct payee and correct address. AstoriaBank apparently works through XXXX and I believe it is XXXX bank in XXXX, WI to transmit payments. I paid the dentist through the Bill pay link and later was informed that the payment " cleared '' on or about XX/XX/2016. Despite this my dentist continued to seek payment from me and initially when I looked to secure proof of payment, I received only the front portion XXXX my bank does not provide both sides of paper checks written out through its bill pay service ) of the negotiated check. Eventually, in XX/XX/2016, I received both sides of the check which is annexed. Any review of the check will reveal that wile it is made out to a dentist it was cashed by an auto parts place. It was never properly payable to a car parts place. Astoria has known of this since at least XX/XX/2016, and refuses to restore the money improperly debited from my account until they secure the money from some place else. While they call every so often to provide a status, the simple fact is that they or their agent wrongfully paid out on a check despite the endorsement very clearly reflecting that it was not properly payable to the entity to which they furnished my funds. They have no right to insist that they recover their money before restoring the money wrongfully taken from me.

Company response to consumer: Closed with explanation