vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I am filing this complaint with your company DIVERSIFIED XXXX this account number is reporting on my credit report as if I have a debt with your company. I am have been a victim of identity fraud I never had an account with your company nor was I notified that a outstanding balance was due on any account that I have opened. Please Validate the debt that your company is reporting to my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of 1st delinquency and last payment date to original creditor, if any. 
Evidence your legal registration and bonding status for collecting debt in the State of CA.. 

I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX UNITED STATES DISTRICT COURT, XXXX, to name only one ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 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: NC

Complaint narrative:
I 've been receiving regular calls from XXXX. The name is not displayed on my caller ID, but it is a collection agency called Retrieval Masters. If I do not pick up I will get several calls a day. 

Upon speaking to the collector, I am told that I owe XXXX dollars to XXXX. The problem is that I am positive that I paid this debt last year. I have no proof, simply a very strong memory of doing so. I also do n't think that they have ever stated their company name. 

That said, memories can be wrong. I have asked, each time they 've called, for them to send me a letter detailing the amount owed, time of debt lapse, and all the other pertinent details. My first request was over a month ago ; I have received nothing in the mail and I know it is my right to ask for this information in writing. 

This last call from them, which happened today ( XXXX/XXXX/2015 ), I was threatened with a serious ding to my credit report. All of this combined is unacceptable behavior from a creditor in my mind. So I 'm filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: IN

Complaint narrative:
This company calls my house with an automated recording saying they are trying to contact me but then they hangup. They call at least 6-7 times every day for the past 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Pyments were twice a mth. Bcause of personal issues. Requested once a mth pymts. They said ok. Well bcause of same issues was already late for XXXX pymnt. I was called by WHO I THOUGHTwas the collections dept. I agreed to make my mthly pymt higher the XXXX of the next mth. So a few mths go by all is fine, but when I think its my last draw and should be 1/2 a draw bcause they did a XXXX draw that i was n't expecting a full pymt was taken and I found out at that time that they were not the company I contracted with, but a collection agency. When I called them, they refused to give me back my money. The lender was XXXX. The last draw they took was XXXX/XXXX/16 for XXXX. I recieved an email from them XXXX/XXXX/16 approving the renegotiation payment date. My balance was roughly {$2700.00}. When i recieved the call in XXXX I thought nothing of it, because I was late, and I figured they wanted to up the payment. I was in my car at the time, and I had people in the car with me. I agreed to the upped payment gladly, and made the payments gladly, because as I said i thought I was talking to XXXX!!!! Once that over draw came out and I called them and found out they were debt collectors, I was horrified!!!!! I told the to listed to their tapes, and they could easily tell that I thought I was talking to XXXX because I even mentioned the young man who called me initially when I was running a week behind on my payment. I told them to give me my money back!!! So far they 've refused. Ive been going back and forth for some weeks now. I want my money back. As far as I 'm concerned they 're thieves. I know they could tell that I thought I was talking to XXXX. When I said that to them, their response to me was " Why do you care who gets the money ''!!! They owe me a minimum of {$220.00} and I want it back. They 're Liars and Thieves. I hve the emails from elastic, my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation
State: CA

Complaint narrative:
We receive several letters from this company at our address with very similar information but not for our company. I 'm convinced that they send these out to several companies in an attempt to scam money from them. Any type of inquiry requires a routing/bank account number. I believe this is a phishing/exploitation scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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: CO

Complaint narrative:
I am disputing the validity of your attempt to collect a balance as it has already been paid. 

My HSA plan, XXXX XXXX, paid this in XXXX XXXX for a service from XXXX delivered in XXXX XXXX. The debt of {$23.00} was paid in a timely manner, but XXXX is having an internal issue with posting the payment properly. 

I also called XXXX on XXXX/XXXX/XXXX to dispute the bill and had a conference call with my representative at XXXX XXXX, XXXX, as well as XXXX from XXXX XXXX. XXXX provided XXXX the virtual card payment authorization # XXXX and confirmed that XXXX processed the payment on XXXX/XXXX/XXXX. 

I then called AGAIN on XXXX/XXXX/XXXX to XXXX after receiving another statement, and spoke to XXXX. She told me that she saw a note that the Deposits Department was investigating the missing payment and she was sending them another message to get an update of the status. 

I have not received another bill since this time, so my assumption was that they found the payment and applied it to the account. 

It is now XX/XX/XXXX, which is 16 months later, and I am being contacted by another collections company about this same debt. I called the company, American Medical Collection Agency, today and advised them that this has been paid, provided a copy of the HSA statement showing the deduction of funds and the background information presented above. 

This is unacceptable to continue to be harrassed for a small dollar bill that has already been paid in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 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: First Data Corporation
State: CA

Complaint narrative:
I wrote a check # XXXX to XXXX XXXX for {$20.00} in XXXX, Ca. They ran the check electronically ( Telecheck ) to get their money right then, but did not give me back the check. XXXX XXXX deposited the check through their bank. They got paid XXXX times. My bank reversed payment on the first electronically made payment. Now the check service has forwarded the debt to TRS Recovery Services, Inc for collection. TRS Recovery Services would like us to pay them for this again. They have called XXXX times before XXXX XXXX. My wife has talked to three different people at TRS about this and they still ca n't get it right. I have talked to XXXX XXXX, they said they would call ( Telecheck ) and take care of it. They have not done this at this time. Now this is going on my record that I wrote a bad check. Guess what? I 'm not buying from XXXX again! 
What can you do about this?? I have all the paper work from the Bank. I have forwarded this to the TRS Recovery Services. Fax # XXXX Can you give me any help on this? 
Thank you!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-04 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: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
The city of XXXX erroneously issued a parking ticket to me in XX/XX/2015. After a couple of phone calls and a letter, the municipal court vacated the ticket ( the police officer had a typo when they put in the license plate number ). 

The court had sent me to collections with Transworld ( TSI ) ; I spoke with their representatives twice in XX/XX/2015. On the second phone call, they assured me that they had record of the court 's update and that the issue was resolved. I asked them to mail me paper indicating this, they assured me that they would no longer mail notices and that that was sufficient. However, they recently started calling me again and the collection is still on XXXX of my XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I tried to get my annual credit reports Monday XXXX XXXX, 2015. I was asked by the site " Annual Credit Report some question, most I think I answered correctly but when I pressed the next button, I was told my credit reports would not be fort coming. I seems that I did not answer all the answers to the computers liking. 
Many of the questions were really strange to me, such as what county 's have you lived in, I have lived in the county I now live in for over thirty years, one of the other questions was what make of car or cars have I owned. the County one got me for as you can see I have been in the county for over thirty years. 
When asked the questions that I was asked by Annual Credit Report, I am not sure what they want, since the really have no idea about me. They may try and lookup some information, but that does not me it is correct information, or that they have on their computer the correct information. 

I tried to call them but was unable to find a direct contact number where I would be able to talk to a live person and get this problem resolved. At the same time I tried to contact equifax and experian to talk to a live person, but constantly got told to go to their websites. 
I was able to contact XXXX XXXX an talked to a live person, and they told me that they would send a hard copy for both my wife and myself. 
At this time I feel that the Company that all three of the major credit reporting companies " XXXX, experian, and XXXX should be shut down, if I am having this much trouble trying to get my Annual Credit Report. 

Sincerely : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
Me and my beau had a terrible experience with Nationstar in the approximate timeframe of XXXX until we were forced to sell our home sooner than we wanted to as they kept " losing '' our paperwork to submit for a refi on our loan with them ... We were so busy working and not in a position to hire a lawyer back then however I do wish we had contacted our State and US Attorney Generals to investigate the aggressive and unusual tactics/experience we had with Nationstar back in XXXX. This was after the mortgage crisis and it appears that this company was looking to keep " customers '' at a higher mortgage interest rate and making it nearly impossible to refi at a lower and more fair mortgage payment rate. Unfortunately we did have to sell our home sooner than we had wanted and with the market changes that happened shortly after we sold out, a major increase of real estate, we could not hold out for that extra year or two to delay selling where we could make the market value/sale on our home as we were looking to do. Not to mention, it felt like we were dealing with a company, Nationstar, that was acting in what could have been termed criminal ways ( based on complaints and lawsuits that have come out in more recent years since we sold our home in XXXX, Or, at the start of XXXX. Me and my beau also noticed that mortgage companies were buying and selling loans aggressively -- to the point that it seemed obvious something was going on near and after XXXX. Nationstar seemed to be partaking in this kind of buying and selling of loans as well. Very concerning and questionable tactics of business and ways of " servicing '' customers. Now that we have read recent articles and more complaints about Nationstar in the past few years, it seems beyond clear that we were defrauded and disallowed to apply and receive a modified mortgage loan that we were eligible for back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The home mortgage has been transferred from XXXX XXXX XXXX to Shellpoint Mortgage XXXX. My loan was at a loan modification state. In last 20 days I have called several times and no one got in touch with me though on their website and representative promise that the turn around time is within 24 hours. My loan was in loan modification review statge, when it was transferred to Shellpoint mortgage. I have filed complaint with CFPB for mishandling my modification for last 9 months by XXXX XXXX XXXX and complaint number # is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
There is an account which is past the statute of limitations, several validation request have been submitted with nothing received. Please help assist me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I KEEP GETTING THREATENING LETTERS FROM A DEBT COLLECTOR, LAST YEAR THEY THREATENED TO PLACE A LIEN ON MY VEHICLE, THEN THAT SAME YEAR THEY CONTACTED ONE OF MY CREDITORS AND INQUIRED WHY WAS I GIVEN CREDIT THIS YEAR IN XX/XX/XXXX THEY HAVE TRIED TO FREEZE MY BANK ACCOUNT AND NOW THEY HAVE CONTACTED MY EXEMPLOYER ASKING FOR PERSONAL INFOMATION.. I HAVE NOT BEEN ABLE TO WORK SINCE XX/XX/XXXX. I AM XXXX XXXX AND TAKING MEDICATIONS EVERYDAY TO BE ABLE TO MOVE AROUND..

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 2015-12-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint Mortgage services our home mortgage and has had XXXX major servicing errors on our account in less than 45 days. Both of which my wife and I have had to spend significant time resolving. In XXXX of 2015 they incorrectly processed Homeowners insurance payments. After 6 hours on the phone over 4 days and filing notice of error Under CFR 24 they finally resolved and corrected our escrow. Then in XX/XX/XXXX we made out MTG payment and they processed it not once but twice resulting in a NSF charge on our bank account of {$32.00}. We called XX/XX/XXXX to notify them and they we very apologetic and cancelled the duplicated payment and offered to refund us the {$32.00}. We sent the necessary paper work to them that day. On XX/XX/XXXX they on their own accord reversed the initial payment as well and then charged our Mortgage account a {$25.00} NSF charge. At XXXX XXXX on XX/XX/XXXX we received a call from a " Number not available '' from Shellpoint. On that call they demanded to know when and if we were going to pay out mortgage. After I reviewed the account history and speaking to my wife I called back. They admit there mistake and have claimed that IT has fixed the issue. 

Though they resolved the escrow issue and are now working to fix the recent payment processing errors Shellpoint treats its customers as guilty until proven innocent. The only way I seem to get results is to threaten reporting them to this agency. Well, I have had enough ... 
As a servicer should be able to process escrow payments to insurers without tripple paying them, and they should be able to properly process payments without double withdrawing the funds and then charging the consumer a NSF and it should not take hours and hours of the consumers time on the phone fixing their mistakes. 

If I could switch servicers I would ... ....

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 2016-03-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC

Complaint narrative:
I DO NOT KNOW?, I live in XXXX, and after signing up on XXXX, XXXX 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to XXXX companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: The CMI Group, Inc.
State: CA

Complaint narrative:
XXXX always try 's to collect twice on their end upon a disconnection. Creditor Acct # XXXX ; The most recent total amount due was {$000.00} as I returned their equipment in person to their office on XXXX. They had sent the equipment chgs to CREDIT MANAGEMENT , LP for the amount of {$220.00}. This is annoying and is the reason I am so upset most of the time. This ALL effects my credit score. My life begins to fill unmanageable when collection letters come that are inaccurate. Once their tech. came out and pocketed my Son 's cash. When I spoke with them, they called it a mistake. That is must have been sent to misapplied accts. What? a tax loop hole? It is so very upsetting to see my credit score drop with each institution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 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: Rent Recover, LLC
State: IL

Complaint narrative:
This is in reference to claim number : XXXX. I have energy bill statements, but also, if I owe this much in rent, why are there no records of eviction notices attached? An eviction notice does not entitle someone to be there for that length of period without consequences.

Company response to consumer: Closed with explanation