vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
Call originated from an automated caller ( ie ; robocaller ) and identified itself as an attempt by Eaton Group to collect a debt. I and my wife have been retired now for several years and have never had and do not currently have unresolved financial problems that would explain why our phone number be on a debt collector 's list. Furthermore, a brief web search of Eaton Group indicted the web site was 1 ) not available ( error XXXX ) and 2 ) associated with complaints of unprofessional collection tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Services
State: IL

Complaint narrative:
I entered into an Agreement with Student Loan Aid ( Now XXXX ) to consolidate and manage my student loans. The loans were consolidated and I began making payments to SLA monthly for the consolidated loan. However, without my knowledge or consent, SLA sought and obtained forbearance from XXXX so no payments were made on my loan, but interest accrued all while I was paying them monthly. Even without the additional interest that accrued because of the forbearance, I have calculated that I paid them {$3700.00} on the loans that were not paid for me as I led to believe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
The debt collection company is reporting negatively to the XXXX credit bureaus regarding a debt that was settled with the original creditor. I have submitted enclosed copies of proof of payment and sent both by fax and mail that the debt was no longer collectible and requested the account be removed from all XXXX credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: Talbot, Adams, & Moore, Inc.
State: MS

Complaint narrative:
This company Spears Dewitt and Hall keep calling me about a debt I do not owe. They call me from several different numbers. They state the debt is from 2009 for an apartment complex. I asked them to send me information of this debt they say I owe from 7 years ago and they want send me any information. They keep calling everyday stating they need me to pay over the phone. I pulled my credit report several times over that 7yr time frame and that debt they say I owe was not listed. I needed them to stop calling me repeatedly. And making threaten statements to me about taking me to court or garnishing my wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
After asking A-1 Collection Service of XXXX, NJ for copies of the original invoices from XXXX XXXX XXXX they sent me XXXX statements then sent me XXXX invoices each for the total amount. They also reported all XXXX invoices to the credit reporting agencies making it appear that a disputed amount of {$1400.00} is {$5700.00}. 
The statements they sent me in proof of debt owed ( after a 3-5 year period ) have handwritten amounts due on otherwise computer generated statements. 
I dispute all XXXX statements as I paid the normal office copay of {$20.00} at each visit. It appears that the hospital owning these practices has reclassified the visits as something else with multiple charges per visit. 
I have contacted the insurance company I was insured with at the time of these charges and I am waiting the receipt of the Explanation of Benefits for each visit. 
I am attempting to determine what amounts I paid each practitioner, but as the services were performed during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX it is difficult to gather that information. Also, I pay bills from invoices and only received statement copies from A-1 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 2015-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: KY

Complaint narrative:
We fell behind on our mortgage. Our loan went through XXXX different companies all of which were unwilling or unable to help including XXXX XXXX XXXX. We arrived with Selene Finance. We have been working out a modification program and waited for 3 months for them to get a program together including them having to resubmit the request to the underwriters due to the fact that they wanted to add the amount we fell behind on the end as a balloon payment which is illegal in my state. When they finally sent the modification program they demanded us to put down XXXX in about 3 days after we got the contract by regular mail. Then they wanted our first payment 6 days after that. When I was told by the gentleman who was working our loan they would not require the down payment ( XXXX ) right away and the first payment on the loan would not be due until the month after the down payment was due. I called my worker many times and to get him to call back had to call two or three times a month for the same question. Now I am due my first payment after they fixed my paperwork to make the first payment due XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX and they have not called me back to tell me how to send my funds. I also received a letter stating they had not received my contract but had received my XXXX down payment and I had emailed it. In with the letter is a letter to another loan that is due their paperwork and I had to call the company for them to send out a new letter to the other customer. Their down payment was also considerably less then ours. This company has horrible practices. Also XXXX XXXX XXXX refused to help AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP
State: NC

Complaint narrative:
got a piece of property in NC in XX/XX/XXXX, I been trying to tell everyone sense XX/XX/XXXX this was fraud, but no one did anything about it, this supposed to be a VA loan, then we have XXXX XXXX XXXX, XXXX, XXXX, XXXX the XXXX. coming after us are XXXX XXXX XXXX located in XXXX NC, and Trustees of XXXX, this was never a loan but a refinance, i cough up with the scam in XX/XX/XXXX, we were never late in our payments with XXXX, but XXXX decided after been told to look into paperwork to foreclose on us, I never got to discovery or been to real court all our motions been denied they are trying to steal peoples homes in special XXXX XXXX XXXX wich is connected with XXXX XXXX. can someone look into this is thousands of illigal foreclosures done by this companies happening in my county XXXX NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXXXXXX Business Information JPMorgan Chase & Co . 
XXXX XXXX XXXX XXXX, NY XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Customer Service Issues Problem description : I have attempted to contact the company for about a month in regards to a dispute. I have used their secure message center like it is supposed to be used. However, every message that I send is responded back with the SAME EXACT response as the one before and they do not answer any of the questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: PA

Complaint narrative:
XXXX XXXX sold my mortgage to Selene finance. When I got my first statement from Selene finance, {$4000.00} was added to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
I XXXX XXXX XXXX certified that my Company downsized in 2012 and my hours were cut from XXXX hours to XXXX per week, and my Spouse XXXX XXXX was forced into retirement following and injury. Our Income was reduced and we filed bankruptcy, however, the medical costs and other obligations have depleted our savings. We have been made to feel like a ping-pong reaching out to so many Lenders, from XXXX to XXXX, to XXXX XXXX XXXX , to XXXX . Each time we thought we had a Loan Modification moving forward, a new Servicer pops up. Currently we are being service by FCI : Lender Service, and they are reluctant to review for a Loan Modification. 
COMES NOW, XXXX XXXX XXXX XXXX and file a Lis Pendens, with scheduled hearings, and the questions remains, just whom am I dealing with for answers?

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 2016-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
Tablott adams and moore collection agency is reporting an account I have in collections twice on my credit report. I contacted them trying to have XXXX of the accounts removed, considering it is the same account. The representative proceeded to tell me the only way they would remove XXXX is if I paid {$120.00}, even though the balance on credit report is {$95.00}, and that they could not do anything without payment. contact phone number I called was 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 2015-03-21 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: SIMM Associates, Inc.
State: NY

Complaint narrative:
This company SIMM associates, INC were told on XXXX XXXX, XX/XX/2015 .via certified mail, That this account that they are trying to collect on is a result of IDentity Theft. The company who sent them the information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX had been informed on XXXX XX/XX/2015 that this account was a result of Identity Theft and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business XXXX XXXX TRust that this account was a result of a identity theft. They have not responded to me on this and knowingly went and sold this account to another debt collector NCO financial systems because now in XXXX XXXX, XX/XX/XXXX I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at SIMM Associates, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: AL

Complaint narrative:
My mortgage was with XXXX XXXX XXXX after being sold XXXX. In XX/XX/XXXX I applied for a mortgage modification due to the downturn in the economy. After 4 years of submitting the same information over and over, I gave up and offered them a deed-in-lieu of foreclosure in return for a {$10000.00} relocation assistance. I was then told I had to go through a short sale period first, which I did. At the end of that time, I worked with XXXX on the deed-in-lieu and executed that on XX/XX/XXXX & I vacated the home on XXXX XXXX as instructed by XXXX.. That document was never recorded, the relocation assistance was never paid, and on XXXX XXXX my mortgage was transferred to Selene Finance . Now I am almost 2 months into dealing with this new company and they are even more difficult to deal with. I have emailed and called on a regular basis ; I receive no replies to emails and when I call I am told it is being worked on, " just XXXX more thing needed, '' etc. I am living with my ex-husband because I can not afford to rent a place to live until I receive the relocation assistance monies. I have done everything I have been asked to do and in a timely manner and I need some assistance immediately. I am XXXX years old and at this rate I will never be able to purchase another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bull City Financial Solutions, Inc
State: OK

Complaint narrative:
Received a bill from Bull City Financial Solutions to collect a debt on a medical bill. Had never been contacted or received a bill from the provider. Requested information from Bull City and received a partial statement which did not identify the provider. Requested the provider contact information from Bull City by telephone and was refused the information, refused when requested to speak with a supervisor, and would only provide the name " XXXX ''.

Company response to consumer: Closed
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC
State: HI

Complaint narrative:
Around 2005 I received a call from Cedar Financial XXXX I 'm not sure if they were called that in 2005 XXXX, who identified themselves as a debt collector who somehow thinks I owe them money. I believe at the time they said it was for an unpaid hospital bill. They have not provided any documentation nor explained how they think I am the person who owes them. 

Years ago this company tried to put the debt on my credit report, but I requested the XXXX bureaus to inquiry into the debt and all three removed it. 

They have continued to periodically call, for a decade, even though I have asked them to stop calling. 

This morning they called my elderly parents, did not identify the company they worked for, behaved inappropriately, and asked them invasive questions. I know it was them because they left a message on my voicemail around the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSH & Associates, LLC
State: KS

Complaint narrative:
My ex husband owes XXXX plus dollars for my son 's medical bill. First the debtor tried to pin the debt on my son who was XXXX when he had XXXX. 

I got that issue resolved by complaining to the Attorney General. 

Despite me giving my ex husband 's Name, Address, Phone Number, Social Security Number and Divorce Decree stating he owes for medical, the debtor, RSH & Associates is now going after my husband ( my son 's step father ) - even though I have it clearly in writing by the debtor stating : 'It is my understanding that XXXX XXXX is 'not financially responsible for your son 's account. That was my error, I apologize. I have corrected that in our system. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Rubin and Rothman had placed a judgement against me. I made an settlement offer of {$4300.00} which they excepted on XXXX XXXX, I have still not received any paperwork from them to vacate the judgement as they have agreed on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I received a credit card in XXXX it went to collections. In XXXX XXXX filed a small claims for XXXX but i never received notification to go to court. In XXXX they filed a nonwithholding wage deduction my employer. My employer sent it back and said i dont make enough to garnish. Now in XXXX they are sending garnishments to my work. No phone calls at home or letters just wage garnishments to my job. I called to settle for half but they will not budge on the amount and i need to pay XXXX. They are stating interest grows on this every month per the state of illinois. Is there a statue of limitation of this old debt. They told me to borrow money to pay off my debt.. ( I heard if you start paying on old bills that it will reopen and they can open case up and collect money. ) If i go into payment plan they want all my personnel information. How do i Know this is a legit company trying to collect debt after 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I am the cosigner on the loan for my son. My son graduated XXXX XXXX with a private loan debt {$170000.00} and federal loan debt of {$35000.00}. My son pays the federal and I pay the private. The grace period was requested, however due to financial hardships the account was reported as 180 days past due in XXXX XXXX although over {$6000.00} was paid for XX/XX/XXXX. Regular monthly payments were made as coordinated with the NJCLASS telephone representatives. During a telephone conversation with a NJCLASS representative the amount disclosed for the payment was not clearly identified by myself after a number of confirmations. The confirmed amount that I recorded for the payment was {$1000.00} whereas the amount requested by XXXX XXXX was {$1900.00}. After numerous telephone calls to NJCLASS for the scheduled payment for a number of weeks, each representative informed that the recorded telephone conversation were being reviewed. All attempts to pay the approximately {$900.00} discrepancy were not accepted by NJCLASS representatives and internet access to the account was no longer available. I was never contacted concerning the discrepancy of {$1000.00} and {$1900.00} and the account was directly handed to collections, the attorney office. 
After the account was forwarded to collections, regular monthly payments of over {$14000.00} have been made on this account to collections, attorney office. A number of attempts have been made to refinance this account, however NJCLASS first listed on credit report as " failure to pay '', however updated to " In collections '' which a number of private loan financing with not process. I am still attempting to locate a reputable loan financing company that will process this private student loan. The collections, attorney office, charges additional interest daily which has increased the loan to over {$200000.00}. My issue is the account should have never been forwarded to collections due to the miscommunication in the payment and no consideration was given to allow me provide the amount requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
** I had to select the " debt is not mine '' option because an option is required although none of the available options truly define this situation I took my infant to the XXXX XXXX in the middle of the night on XXXX XXXX for an XXXX. I have medical insurance which covers all but {$150.00} copay. I provided my medical insurance and did pay my copay. The hospital and physicians bill separately. The hospital billed my insurance and was paid accordingly ( EOB verifying attached ). The physicians did not bill the insurance and billed me directly ( bill attached ). I assumed the bill was because it had not yet processed through insurance. When I received another bill in XXXX of XXXX I called and inquired and they stated that they did not have the insurance information. I provided all of the insurance information again and they assured me it would be taken care of. I never received another bill so assumed all was taken care of. 

A few weeks ago, in pulling my credit report, I noticed a collections company on the report. I called and inquired and found out it was this bill that was under collections. I never received any call or notice that this was going to collections nor that the debt was still outstanding. Immediately upon finding out about it I called the collections company who told me they could n't even provide me a copy of the bill and there was nothing they could do unless I wanted to pay the amount due. They advised it was past timely filing for insurance so they could not submit it. I called the provider office who told me the account was " sold '' to the collections company and they dont even have access to anything anymore. I was eventually able to retrieve a copy of the bill but she told me that she could no longer assist me with settling the account through insurance. 

I spoke with my insurance administrator and they contacted my health insurance company. I was told that the provider violated the insurance contract by not submitting to insurance timely and that I was not responsible for the debt. My companies insurance rep " XXXX '' called both the provider and the collections company but they have not been receptive and they will not even send the claim to insurance. 

The collections company has not been cooperative in the least and I have been blackmailed with my credit report for payment. I have never had collections or anything like this on my credit report. It is not my fault that the company did not submit to insurance when they obviously had the insurance information. When you visit the ER you only provide the information to one person which I did evidenced by the fact that the hospital filed a claim timely. In addition, I also called and provided the information a second time.

Company response to consumer: Closed with non-monetary relief