vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
Debt was paid to another collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX # XXXX and XXXX each for {$230.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP
State: GA

Complaint narrative:
We we prey as first time home buyers that were not represented at closing so did not fully understand any of it. No disclosures on the issues of the home. The loan was through XXXX XXXX and XXXX who closed due to fraudulent loans and so our second payment ever was rejected back in 2009 the loan has transferred XXXX and no they are foreclosing since we ca n't afford an attorney we are lost with no options. Except the fact the original loan was predatory. We would like to have a payment reduction and a chance to keep our home. Please help.. Are issue is consistent with all the following descriptors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 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: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Letter received from AMSHER requesting a payment from a debt they say I owed, they are a collection firm. I sent a letter to AMSHER within the 30 day time period, requesting further validation of this alleged debt and received no response. I did see an entry on my credit report that this is listed as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
After reviewing my credit report, saw a collection activity by Amsher collection Agency., Its for a XXXX cell balance I paid for in XXXX 2016. 
I 've disputed this bill thru the credit agencies XXXX and XXXX. I supplied the payment information. 

But I 'm still getting phone calls from Amsher. 
I want the harassing calls to stop and any and all collection remarks for this bill on my credit reports that I paid last year to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I had a XXXX card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. XXXX sold or hired Moss Law Firm from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX law firm was contacted and they told me it was a XXXX card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from XXXX and they said they did n't that they were working for XXXX. When I asked for XXXX phone number they said they did n't have it??? red flag If you work for some XXXX you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the XXXX. I thought you could n't do this in Texas. The people at Moss Law firm acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what XXXX the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-09 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
This was a request to send a certified original copy of a clear title to the above named owner of the XXXX Dodge Ram 1500 ; XXXX XXXX XXXX. According to transactions records from the trustee 's office, the claim has been satisfied with the amount of {$2000.00}, additionally, a XXXX vehicle ; XXXX HYUNDAI XG350 has a court order removal as of XXXX/XXXX/XXXX and was surrender following an accident. Police reports indicate the title owner was notified and the vehicle was taken to storage. 

On XXXX XXXX, XXXX, Check into Cash was called and XXXX spoke with XXXX XXXX. XXXX denied the vehicle was removed from bankruptcy and continued to state the trustee is sending payments for he XXXX Hyundai and the amount owed is {$800.00} and the amount for the Dodge Truck is {$1500.00}. 

Attached please find trustee completed payments, and court ordered surrender collateral. Please be aware that violations under bankruptcy codes are subject to a federal a law suit against creditors, which will include penalties and payments of attorneys ' fees. 

Honorable Judge XXXX XXXX XXXX ; chief of the XXXX District Bankruptcy Court in Texas will be notified of creditors unwillingness to comply with court orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
Eaton Group had contacted me back in 2002. I was a victim of identity theft following a house fire and i disputed the debt, provided paperwork to them and requested verification of debt. This company falsely claimed service, obtained a judgement, leaned my house and are garnishing my wages all on an account I have ZERO knowledge of and disputed from first contact. They ignored requests for normal standard credit debt information and sat for XXXX years before garnishing my wages. THIS SHOULKD BE ILLEGLE XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MLD MORTGAGE INC
State: GA

Complaint narrative:
I was approved for an FHA loan by MLD MORTGAGE but denied again because the process XXXX XXXX was looking for information from my significant other whos not on loan. He did not have information to give to him and he did n't want to supply the information because he felt that the mortgage was not his and he was not his client. XXXX kept giving me the run around and he made personal coments about my significant other. XXXX and his processer XXXX XXXX said they would let me know by a certain day but dif not. Myself and my agent reached out to both of them with no response. I decided to switch to another company before my contract deadline. To satisfy XXXX ego he would not respond to any emails or phone calls from the new company to transfer my paid apraisal. Finally after days of emails every one who wanted information from me before he answered saying he will transfer the appraisal. XXXX never shared information with me on why they denied my loan but instead decided to share sensitive personal information to the new company saying that I have a foreclosure which is not true. XXXX is unproffesional and he lied. I need this company to provide proof of my foreclosure to myself and FHA. XXXX went out of his way to email the new company but failed to communicate to me. XXXX could not close the loan but would not let me go anywhere else to close it. So he decided to blackball me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I withdrew my son from XXXX XXXX XXXX by writing and sent through the mail. They are claiming they never received it and are charging me 2 months of daycare that was never used. I submitted the dispute along with papers to their collection agency, Knights Adjustment bureau. I agreed I would pay the 2 week-ish that was owed to XXXX XXXX, but would not pay for the 2 months they were charging me, but they would not accept it. I have continued to dispute this on my credit reports. I have yet to receive any sign contracts or anything from them. They even have gone after my sons father for this debt and put it on his credit reports, but he never provided a SSN to them or signed anything. 
( I can supply copies of documents if needed. I 'm not at home to attach them )

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 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
According to the Health Insurance Portability and Accountability Act ( HIPAA ) Act of 1996 to protect my privacy and medical records from third parties I have never authorized the company named 'Credit Control Co ' to access ANY of my or families medical records from XXXX Hospital XXXX. I have contacted them for them to prove to me that I authorized them to have access to my families medical records and they sent me bills, dates of service, and personal information that does NOT verify I gave them permission to access. They have broken the HIPAA law regarding privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oxford Law, LLC
State: VA

Complaint narrative:
I continue to receive calls about a loan that I do not owe. I was told that the Loan was taken out in Indiana and that they have a picture of me going into the store. I have contacted the company and confirmed that this is not mine and they have not initiated any action against me. I was contact by Oxford Law and a XXXX XXXX was the last to call. The number the called from is ( XXXX ) XXXX. I have given them my attorney 's number several times and they just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: State Collection Service, Inc.
State: TX

Complaint narrative:
I called to have this account disputed but the company is not showing anything under my social. I asked why it would be showing under my social in my credit report but they did not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ESCALLATE, LLC
State: SC

Complaint narrative:
I am contacting you concerning a collection account through Escallate , Inc. listed on my credit bureau reports. This account was paid on XXXX/XXXX/2016 and when I spoke with the customer service representative they stated they would deleted this trade line from all XXXX of my credit bureau reports, but yet for whatever reason it still remains even after SEVERAL attempts to dispute the information. Below is what is stated on my credit report as of XX/XX/XXXX : Escallate , LLC ; Collection Reported XXXX ; Assigned XXXX ; XXXX ; XXXX XXXX XXXX ; Amount {$830.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$830.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX : ( XXXX ) XXXX As stated as part of paying on this account I was promised this account would be taken off my credit bureau reports and I am expecting this agency as a business to do so, they put the negative information on my report, I paid the collection and they have the power to take it off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CHECK INTO CASH INC.
State: NV

Complaint narrative:
I received a phone call from someone who refused to give his name only stating he was an investigator trying to locate me to give me documents. When I asked whose was sending him and what it was regarding he said Continental Processing at XXXX. He then began to describe the vehicle in my driveway. When I asked what that has to do with this he said because people run. He then told me I had 5 minutes to contact this company to resolve. When I called the company the same man answered the phone and transferred me to another man. This man was trying to bully me from the moment he answered telling me I had committed fraud and that I was doing illegal things. I asked him whom he was collecting for and he said I am not collecting. He stated that Check into Cash hired him to locate me because I frauded them. He said if I pay him {$600.00} they will stop. I asked what the {$600.00} was for and he said fees to locate me. I asked whom do I call to sort out the balance as these fees are more than the original debt. He said Check into Cash does n't want their money. We just want our fees. When I said this is illegal to charge in a payday loan he stated that it 's no longer a payday loan. You now owe us. I told him I would contact Check into Cash directly. Immediately the man that originally called me started blowing up my phone. I dint answer as I was on the phone with the other man. This man called me another 8 times and finally I finished my call and answered the first caller who started yelling at me said I ca n't run and that I was a thief. He said you have been notified and that I would be going to jail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
State Collections is a third party collections agency is contracted through XXXX XXXX XXXX to collect debts for them. State Collections agency has repeatedly contacted my wife and me several times asking them verbally to stop calling us regarding this debt. It has been explained to them on several occasions that there was an error in the billing and we are working with XXXX and the insurance agency to correct the billing error. The problem is that when XXXX XXXX makes call they refuse to provide their name when asked what company is calling. They state that they can not legally provide the name of there company until they can verify the person they are looking for. Its only after you threaten to file a complaint will they then provide the number. They have called on back to back days ( XX/XX/XXXX & XX/XX/XXXX ). On XX/XX/XXXX a man called looking for my wife and when I explained to him the situation I asked that he remove my phone number and my wife 's phone number from his call list, which he stated that he would. Not even XXXX hours later a get another phone call from a different number with the same routine of refusing to provide me information regarding who the company is. It took for me to threaten them with this complaint that they provided me the name of State Collections. I again asked them to stop calling us. State Collections is now stating that they are protected under the disclosure laws and they do not have to provide any information to the anyone who calls them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: FIRST HAWAIIAN, INC.
State: GU

Complaint narrative:
First Hawaiian Bank offered a sign-up bonus for their XXXX XXXX credit card. The terms & conditions require {$1500.00} purchase spending within the first three months of account opening. 
Timeline of events : Applied for FHB XXXX XXXX XXXX online on XXXX/XXXX/2016 via email titled " Start here for mighty value. '' from XXXXXXXXXXXX also dated XXXX/XXXX/2016. 
Approved for $ XXXX limit on XXXX/XXXX/2016. Requested credit limit decrease to $ XXXX XX/XX/XXXX. 
Received XXXX XXXX award miles on XXXX/XXXX/2016. This was the last day of the first statement period. 
Sometime around XX/XX/XXXX-XX/XX/XXXX requested for a new card to be sent as first card not received. 
Obtained {$1500.00} threshold on second billing cycle ending on XXXX/XXXX/2016. 
Messaged First Hawaiian Bank XXXX/XXXX/16 regarding missing bonus miles Received reply XXXX/XXXX/16 stating that bonus miles would be awarded in 1-2 billing statements contrary to terms and conditions of offer. 
Called FHB on XXXX/XXXX/16 regarding missing bonus miles, was told to call XXXX to acknowledge offer made by First Hawaiian Bank.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Recovery Solutions, LLC
State: CA

Complaint narrative:
Person is constantly contacting my ex husbands cell phone looking for me from a National Debt Recovery number at XXXX. The last incident on XXXX at XXXX XXXX from a XXXX XXXX. This company has never provided any type of written communication, yet calls my ex husband and previous employer several times. I can provide phone records as needed. Person has claimed 'legal action ' implying legal action on an unverified account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2017 I made a deposit through chase bank ATM in XXXX NY, while the transaction was on the ATM has a problem and I got a receipt from ATM, stating that I should call my bank to confirm if the money was deposited. I placed a call to my bank and made a complain of what happened, was told that a credit of {$800.00} will be made to my account while the investigation will be on. 
the {$800.00} was made to my account same day, but on XX/XX/2017, I got a mail from the bank stating that the {$800.00} that was credited to my account will be debited because my claim was denied. The {$800.00} was debited from my account on XX/XX/2017, I called chase bank on XX/XX/2017 to re-investigate my claim, and my claim was denied again. 
I 'm requesting that you help to look into this matter as this huge amount of money has caused a lot to my account/finances. 
Thanks and XXXX bless you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am formally requesting that you DELETE this account listed below from my credit report immediately from all credit reporting agencies! 

CHASE HOME FINANCE LLC XXXX I 'm in receipt of your letter dated XXXX XXXX, XXXX an attempt to validate this dept and your right to report this on my credit and still expect a payment on this CHARGED OFF account. 
Please note that your letter, loan note and payment history is CONTRADICTORY to your statements set forth in this letter you send me for XXXX XXXX, XXXX Following are inaccuracies, misrepresentations and wrongful information provided by you and I will be forwarding these supporting documents as evidence of your wrongdoing to the CFPB immediately! 

1 ) Letter dated XXXX XXXX, XXXX AND XXXX XXXX, XXXX addresses Customer names as : XXXX XXXX and XXXX XXXX ( me ). HOWEVER, copy of the note for the loan YOU provided lists XXXX XXXX and XXXX XXXX XXXX ( not my name ). WHY OTHER OTHER BORROWER 'S MORTGAGE NOTES ARE BEING SENT TO ME ... ... .... 

2 ) Payment history you sent lists XXXX XXXX with different address then you previous responded with, and NO XXXX is listed anywhere on this payment statement. 

3 ) Your letter states that loan is charged off with a balance of {$50000.00} STILL DUE, HOWEVER, the payment history you provided clearly shows that you Charged off the full balance, issued a XXXX, which left the outstanding balance of {$0.00} BUT you STILL ACTIVELY TRYING TO COLLECT ON THIS ACCOUNT. I find this illegal! 

4 ) Mortgage statements you sent dated XXXX XXXX, XXXX show XXXX XXXX as the borrower XXXX XXXX WAS NEVER ON THESE MORTGAGE STATEMENTS THAT YOU 'VE SUPPLIED. 

5 ) WITHOUT A MORTGAGE NOTE LISTING MY NAME AND SS # YOU CAN NOT BE REPORTING THIS ACCOUNT ON MY CREDIT REPORT. 

6 ) WHEN ACCOUNT WAS CHARGED OFF AND XXXX WAS ISSUED, CHASE CAN NOT CONTINUE TO ATTEMPT TO COLLECT DEBT ON THE CHARGED OFF AND XXXX ISSUED ACCOUNT.

Company response to consumer: Closed with explanation