vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: MO

Complaint narrative:
I got a call from XXXX XXXX ( spelling? ) with Allied Interstate LLC. He called my work line. I have repeatedly explained to debt collectors that I am not the person they are looking for and they are not to contact me again. I also inform them that they are calling me at work. XXXX left a message and I called him back to again explain that they are harassing the wrong person. I got his voicemail and it contained a phone number to call the main office. I called that number and talked to another gentle man who told me that no one from his office called me at my work number. I assured him that I received the message and he could listen to it if he wanted. He asked for the number that was called and I gave it to him. He told me that that number had already been identified as incorrect and no one from his office would have called it. He did say that he would remove me from their call list. A few minutes later XXXX called me again and I told him the same thing. I was very clear that I am not the person they are looking for and they are NOT to contact me again.

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 non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: CA

Complaint narrative:
... A company called " AlliedInterstate '', which only shows a XXXX as address, has tried to " collect '' a debt on behalf of " XXXX XXXX, XXXX. " ; for such I have no knowledge nor I owe anything to that bank/credit ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Nations Recovery Center
State: GA

Complaint narrative:
Nations Recovery has contacted my place of employment three times since I asked them not to do so in XX/XX/XXXX. I work at a call center and they have called our customer service line and asked another CSR to speak to me.

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 2016-10-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: PA

Complaint narrative:
Allied Interstate calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has XXXX different phone numbers now in her phone as a " contact '' for Allied Interstate. Just today, they have called 3 times in 3 hours between XXXX - 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 non-monetary relief
Consumer complaint received 2015-04-29 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: Apelles, LLC
State: CA

Complaint narrative:
XXXX has an unethical practice, bullying XXXX into paying above and beyond what they owe. 
I paid monthly fees for security services on my in-laws home in XXXX, FL. starting XX/XX/XXXX. The in-law moved to XXXX in XX/XX/XXXX & expired on XX/XX/XXXX. The house was sold in XX/XX/XXXX. The ONLY condition of Escrow was for the new owner to take over the remaining XXXX contract. XXXX continued to bill my credit card through XX/XX/XXXX. I called them to inform them of death of the owner & sale of the property as well as the condition of the escrow. After my call in XX/XX/XXXX - which they still have on record, I received no monthly statements and no notice of delinquency until a collection notice was mailed to me from XXXX onXXXXXX/XX/XXXX for a sum of {$870.00}. 
I called XXXX last week & they admit to all of the above but claim I " did not cancel my contract '' This is an unethical practice by XXXX. The clients are XXXX & unable to defend themselves. Most will pay these unjustified charges simply to protect their credit. 
THEY NEED AN AGENCY LIKE THE FTC TO PROTECT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: FL

Complaint narrative:
I am being called as many as XXXX ( XXXX ) times a day from the number XXXX. They are attempting to collect a debt owed by " XXXX, XXXX '' who is not associated with me or my telephone number. This is related to my previous complaint with you, numbered XXXX, which you were unable to resolve as you could not identify the " creditor. '' They do n't identify themselves, and they provide inaccurate legal information ( I am an attorney ), such as " if we have to serve you, you will forfeit all your defenses - which is simply not true. That leads me to believe this is a fraudulent enterprise behind this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I live in XXXX I recently applied for a refinance loan with 53 Bank to combine my mortgage and equity loan together for a lower interest rate. I have had my mortgage and equity loans with 53 Bank for over XXXX years. 53 Bank recently ( XX/XX/2015 ) did an appraisal of my home with a company XXXX XXXX located in XXXX. The appraisal valued my home at {$60000.00}. The appraisal appeared to be based on foreclosed properties and/or condo properties. At one time 53.com appraised my property at {$140000.00}, a couple of years ago at {$120000.00}. 
My complaint is that I feel that 53 Bank uses improper appraisals to deny mortgage loans in my area

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
Every day I get calls from someone telling me to call XXXX about a debt, I know I do not owe anyone a debt but I have to stop and answer the phone XXXX or 3 times per day because of this person calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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: Focus Holding Company
State: FL

Complaint narrative:
I have an account listed on my credit report from Focus Receivables Management. I did n't receive anything from this company. This account, now almost 6 years old, was settled with original holder - XXXX. I have not received phone calls or mail from Focus Receivables and it is greatly impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 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: Focus Holding Company
State: OH

Complaint narrative:
I had a debt with XXXX XXXX XXXX in XX/XX/XXXX and paid it off XX/XX/XXXX. It never showed on my credit report before now after it was pais and this company Focus RECIEVABLES Management IS ON MY CREDIT REPORT SAYING ITS UNPAID. IVE TRIED NUMEROUS TIMES TO GIVE THEM A CALL TO REMOVE IT, PROVIDED PROOF AND IT IS STILL SHOWING ON MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Last year I received a summons for a credit card that is not nor ever was mine. I sent it all the information that was requested as did my wife. They are just assuming this is my debt. I do n't know how more to prove that it is not I when it seems that all Mark Johnson LLC has to do is say it is me. Anyway I sent all the documentation that was requested. I also told them that I think it could be fraud done by my estranged daughter. I NEVER received a court date to fight these allegations. The next thing I know my check has been garnished in an exorbitant amount! I do n't know what to do because it 's impossible for me to prove a negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I have received XXXX calls from the following telephone numberXXXX.  When i answer they hang up.  Then when I call the number back to find out who it is, each time I get an automated message telling me the name of the dept collecting company and that the call is in reference to a dept and in order to find out more details about this dept I have to enter my telephone number which I am hesitant to do.

The  thing is I  do not owe any debts whatsoever with this company or any other company and I do not know why these people are harassing me. or how they got my number.  This is nothing more than a scam phishing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: CA

Complaint narrative:
I have been getting hang up calls, every day from Enterprise Recovery Systems in XXXX, California. They are calling on a range of numbers, starting with XXXX through XXXX. They fail to leave a voice mail identifying themselves or who they represent. I also, to the best of my knowledge, never received a letter in writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 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: Focus Holding Company
State: AZ

Complaint narrative:
I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Atlas Acquisitions LLC
State: NC

Complaint narrative:
I have filed an earlier complaint but more information has come to light. XXXX XXXX is a recipient of a letter from Atlas Acquisitions who has consequently acquired the debt. She apparently works for my lender. Anyway I have a copy of the letter she received from Atlas Acquisitions. They are requesting an amount of {$9100.00} as payment in full including principal, court costs and any authorized post judgment statutory interest. Does that mean in a subtle way that they still want the {$32000.00}? They say they will release the lien. But that still does not address the fact that this should have been discharged in the bankruptcy. In the letter, the date of the judgment is XXXX/XXXX/XXXX in plenty of time for it to be iincluded. In fact, I have the paper work from my bankruptcy in XXXX which included the debt to XXXX the company from which Atlas acquired the debt.

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 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Focus Holding Company
State: TX

Complaint narrative:
I am receiving up to 10 calls a day, during all times of the day, from Focus Receivables Management. They do not identify me by name, nor do they name the debt I " owe ''. We recently declared Chapter XXXX bankruptcy, and 100 % of our debts were discharged. We still have a mortgage, but no other debt. We are current with our mortgage and have never made a late payment. Focus Receivables Management calls and claims I have this debt, when I have a copy of my husband 's and my credit report in front of me, showing all debts discharged. 

I do not want them calling me any more. I find the calls XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Armada Corp.
State: WA

Complaint narrative:
I pulled my credit report to find I had XXXX accounts reported from armada who collects for the XXXX clinic. These are doctor bills I did n't know I has so I called the company to try and clear these up with payments. XXXX was for {$76.00} and another was for {$87.00} they then informed me that they had several little bills in their office that added up to another {$200.00} that they wanted paid. The lady told me that if they are not {$50.00} or more they can not be reported to my credit but rather then owing them {$160.00} they now claim I owe them {$360.00}. I made a call to XXXX XXXX who said I need to write XXXX checks XXXX for each amount and submit a letter stating what I am paying and that they are to cash the checks and mark my account paid. I sent checks and letter XXXX/XXXX/15 and received them back in the mail on XXXX/XXXX/15 with a letter stating I need to call their office they are rufusing to take my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I paid off my mortgage with Loancare / XXXX XXXX over two months ago and they will not send a release of trust deed to the county clerk, nor send me the cancelled promissory note, etc. Each time I contact them they give me a different story and a run-around. One time they say it was sent to the County the day after I paid it off ( the county has no record of receiving anything ), another time they say it has n't been sent to the county yet ( which is simple for them to do ), etc. They received the full payoff funds via wire transfer, and they show the loan paid in full on their web site. They give different lengths of time to wait, etc. always longer than it has already been. Reading other reviews on the web about them it 's common to see they do n't act reputably.

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 2017-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: ALLIANCE FINANCIAL RESOURCES
State: CA

Complaint narrative:
My wife has been in contact with XXXX XXXX and XXXX XXXX, of Alliance Home Loans, and has asked them both to take us off of their mailing lists. XXXX assured my wife that we would be removed from their mailing lists and that we would no longer hear from them. We have since received a few more mailers regarding refinances from their office. They have sent us countless letters from XXXX, XXXX, and her husband, XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
We inquired about loss mitigation options for our mortgage. We were sent a packet of information/forms to complete. We submitted the required documents on XXXX/XXXX/16. We received a letter requesting add'l docs that were sent on XXXX/XXXX/16. We have not once heard from anyone at Carrington via phone or email. All of our attempts to reach our SPOC listed on a letter received, have not been responded to. We have not received any communication regarding add'l information need nor have we received any communication that a decision had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
Southern Management Systems holds a debt from a previous landlord in XXXX, TX. Due to this open collections, I am unable to rent an apartment. Although I disputed the validity of the debt ( I was tricked into signing a year lease in addition to the summer lease although they knew it was a great possibility of me relocating due to my employment ) with the apartment complex, their corporate office, and Southern Management Systems no resolution was met. The apartments charged me outrageous late fees and other fees although I had vacated the premises, provided notice, and paid out through the XX/XX/XXXX lease. I recently called Southern Management Systems and inquired for a fax and email address for their office manager because he would not return my phone calls. They refused to provide one. When the office manager finally called me, I inquired as to how to make a payment. He stated am I paying the full amount and I said no. He inquired about the remainder of the balance, I told him it was none of his business. He then stated he would not accept any amount from except the full balance or 80 % of the balance paid in one lump sum. He refused to provide ANY information on how to send a payment in. I find it interesting that the collection agency wo n't accept any amount to be paid towards the debt, and feel if they do n't want any of the money then I should n't be responsible for any of the debt ( although I was tricked into the debt in the first place ), and that the open collections should be removed from my credit report. Southern Management Systems is unprofessional and use negative tactics with debtors. Some form of action needs to be taken against this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
My complaint is with NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Back on XXXX XXXX, I called in to set up a payment arrangement to pay the amount i owed which was {$250.00}. However, It was way past the 90 days of my having this particular debt. When I called and made the payment that 's when they put the paid collection onto my credit file which is lawfully wrong. I spoke with a gentleman and he asked me a couple questions, which was as quoted " are we reporting to the credit bureau if so if you can make this payment '' XXXX I can get this account updated and remove from your credit file. This is a big dishonest agreement they made with me because they did not remove it as promised. Once they finally recieved payment, they updated it as paid collection ''!!!!! I then have called to speak to corporate and supervisors about this matter because it is not fair to me. THEY LIED TO ME IN THE ARRANGEMENT AS FAR AS PAYMENT!!!! I also informed them that I have a recorded call from when I originally spoke to call in to make arrangements. They then said they would pull the call also. THEY LIED TO ME!!!!! VERY DISHONEST COMPANY AND THEY WILL BE GETTING SUED IF THEY DO NOT REMOVE THIS LIE THEY HAVE CREATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
My mortgage was sold last year to XXXX XXXX and is processed via Loancare. As of XX/XX/XXXX we qualified to have our mortgage insurance, which is about {$200.00} a month, dropped off our mortgage payment. Loancare told me how to request that this insurance be dropped. I followed their instructions and had no response. I tried again and had no response. I have spent hours on the phone trying to work this out. Sometime their people do n't know what I am talking about other time they can see that I have sent in the request and that no one has done anything about it. I have since looked up this problem and it seems like lots of people are having issues with their mortgage via Loancare in the last month or so. I feel like they might be scamming people out of lots of money.

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 2015-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I was in bankruptcy and I had it discharged so XXXX decided to go thru this company called XXXX XXXX so as on XXXX 2015 I had been givingthem {$1200.00} a month to remodify my mortgage loanWell somewhere along the line someone droppedThe ball so now my home was sold and now I haveAn eviction ... what can I do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation