vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: CO

Complaint narrative:
My credit is being damaged by false information ( date of first delinquency ) supplied to XXXX and XXXX by Real Time Resolutions ( RTR ). The original debt was a home equity line of credit from XXXX XXXX XXXX. I filed Chapter XXXX bankruptcy in XXXX XXXX, and included this debt. My last payment on the debt would have been about XXXX, XXXX. A few months after I filed Chapter XXXX, XXXX XXXX XXXX sold the debt to RTR. I completed my bankruptcy obligations in XXXX XXXX, and received my discharge in XXXX XXXX. As of XXXX XXXX, the original account with XXXX XXXX XXXX and the public record of the bankruptcy have been removed from my reports by all three bureaus. However, because RTR has provided an inaccurate/false date of first delinquency on this debt ( I believe they are reporting XXXX XXXX ), the account is scheduled to stay on my credit reports for several months beyond the seven year limit. 

On XXXX XXXX, XXXX, I disputed the RTR entry with both XXXX and XXXX, saying the date of first delinquency must be mistaken. As the debt was discharged in my bankruptcy, filed XXXX XXXX, the date of first delinquency must be prior to that date. The XXXX XXXX, XXXX, response from XXXX, is an " update '' on my report saying " The account is scheduled to continue on record until XXXX XXXX. '' Because of this inaccurate/false report, XXXX has refused to remove this negative account from my credit report although it is ( obviously ) more than seven years old. To date, I have not heard a final report on my dispute from XXXX, but I see the RTR account is still on my XXXX credit report. 

As a secondary issue, I would also like to point out that RTR is reporting as a mortgage company, when they are a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Fair Collections & Outsourcing is currently reporting a collection account on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. I was never given a XXXX to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file

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 2016-01-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Fortiva Retail Credit does not provide monthly statements to show amortize principal and interest. Only online service to review account but no details, Spoke numerous times to creditor who reluctantly states no statements issued or yes we will mail statement and never get one. My complaint is true breakdown of my personal loan. Misleading practices is my complaint. 

Contact information : FORTIVA RETAIL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth financial is not at all professional and are harassing in violation. 

This debt was discharged as being invalid on at least one bureau and is under investigation as well. I am being harassed when I have requested not to be contacted. Additionally the number they are calling is not my own and the owner has requested no further communication yet the representatives antagonize her, make odd statements in singsong voices and continue to call and harass, even outside of allowed hours. This number should 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 2015-07-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I was paying the bill but I lost my job and they add fees to the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding / Resurgent XXXX never gave me written notice of collection efforts. They called but I told them this was not my debt and that I never had this account. They then proceeded to report the debt to credit bureaus without allowing me any verification of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was sued in XXXX County, XXXX Superior Court by XXXX via XXXX. I received a judgement and the collection agency that contacted me to collect on XXXX loans was Gurstel Chargo through Attorney XXXX XXXX XXXX, whose phone number is : XXXX and email address is : XXXXXXXXXXXX. Gurstel Chargo 's local address is : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. A payment schedule was agreed upon and I began making payments XX/XX/XXXX. Gurstel Chargo has XXXX file numbers for these loans : XXXX and XXXX. They have a Processing Center at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, Fax, ( XXXX ). My complaint is the consistent failure or refusal by XXXX XXXX or the Processing Center to send me periodic payment statements indicating payment history and the amount of interest I have paid on these loans as this information is necessary for tax purposes. I had a conversation XX/XX/XXXX with XXXX XXXX that he agreed verbally to send me a statement every two months. I recently, again requested XXXX XXXX send me a 2016 year-end statement indicating student loan interest paid by leaving a phone message on his voice mail XX/XX/XXXX. He has done nothing since XX/XX/XXXX. I have called the Processing Center on two occasions XX/XX/XXXX requesting a payment history statement and they informed me both times that they do not send out these statements. I have no idea if my payments are being properly recorded or how much I still owe. Also, I have no idea my that payments are being applied to my XXXX loans from XXXX because this is XXXX that have a pool of loans. I never pursued the issue of ownership of XXXX owning my loans from XXXX before a judgement was rendered because of a lack of resources and I was assuming an executorship of a family member 's estate who was XXXX XX/XX/XXXX that made it difficult to get to court to defend myself. Could you please address these matters because I am tired of Gurstel Chargo 's arrogance in their dealings with me. Also, I have filed a complaint on XX/XX/XXXX with the Attorney General 's Office of XXXX. Nothing has been reported by them to date. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
Ditech is claiming that I have a escrow shortage and need to pay {$160.00} more per month than the anticipated disbursements THEY calculated for the year. Where is this extra money going? Will I get a refund at the end of the year? Will my payments go down months later? How much of these additional funds of mine do they have now? Additionally, my payment is due on the first of the month, and they call daily, morning, afternoon, and night, in the same month before it is even 30 days past due. I believe they are breaking laws re their handling of escrow funds and collection practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I have obtained several emails and had countless phone calls from XXXX, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that Apartment Complex. Specifically, any and all forms of payment I owed to them. This Document I obtained surely speaks for itself. Yet This Company is still after me for more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: Summit A*R, Inc.
State: VA

Complaint narrative:
I hired a fencing company in XXXX XXXX to install a new fence. They damaged my landscaping and did not install the fence per our specifications. They were paid 65 % of the estimate but refused to correct the issues for the remaining balance. Another contractor was hired and paid to fix the fence and the landscaping. The fencing company has now sent the balance to a collection agency who has reported this on my credit without any proof that the money is owed. Collection agency was advised of this in XXXX XXXX and again in XXXX XXXX - no further legal action has been taken by the collection agency or the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
I was in a hit and run accident in 2010. When I went to the hospital they admitted me with a fictitious name. XXXX medical bills were went to collection instead of to my attorney. I had my attorney contact the credit bureau and explain the delay in payment. When I saw them again I called only to be rudely addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 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: ERC
State: TX

Complaint narrative:
I am getting letters from Enhanced Recovery Company saying I owe {$86000.00} to XXXX. I am now getting phone calls about this. I have never had XXXX and it 's not anywhere in my area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I got a call from someone who identified themselves a from " Healthcare collections. '' They asked for personal information that I refused to give. When I asked for more information, they hung up on me. I checked their phone number ( XXXX ) with the Better Business Bureau and XXXX and nothing came up. I do n't believe that I have any outstanding medical debts, but if I do, I want to pay them. This, however, sounds shady and I wonder if it 's a scam. If it is a scam, someone else may fall prey to them. 

Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: ERC
State: SC

Complaint narrative:
I have had so many problems with Enhanced Recovery Corporation, approximately 4 days ago I got an alert telling me my credit report had dropped by more then XXXX points due to a new collection. Since I havent had any new collections show up in years I was confused. I honestly do n't even have any knowledge of owing the original creditor ( XXXX XXXX XXXX ) any money at all. On or around XXXX XXXX, XXXX Enhanced Recovery Corp removed this collection from my report ( or sold it to another company ). Then XXXX XXXX removed the same collection account on or around XXXX XXXX, XXXX. And again XXXX removed the same account from my report on or around XXXX XXXX, XXXX ... and now its showing up as a new account and dropped my credit score over XXXX points. There has to be some kind of law about this, especially because I never even got any notification to contest or deny the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I got a XXXX loan with XXXX pay off. called before lone due let them know due to fraud my bank account was closed and I was waiting for new card. got new card called in and was told I was in collections and now owed over XXXX being told my employer will be called and I will be arrested if I do not pay XXXX. 
This is the person harassing me : Note : To make the payment you would have to call or text our number XXXX or email us on XXXXXXXXXXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Integrity Asset Partners, Ltd.
State: RI

Complaint narrative:
Integrity Asset partners is a debt buyer who is helping continue a scam set out by a scam portfolio debt seller. They say they are hiding behind a non disclosure of who they purchased it from. They also sold it to XXXX which threatened with legal action if I did n't pay them, do not mirandize, and juice the amount that they say was an original loan amount when in all actuality the loan never existed. integrity is the only thing in their name that is actually in existence. They knowingly purchased bad cheap paper and sold it to people they did not do their due diligence on.

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 2016-12-01 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: ERC
State: TN

Complaint narrative:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-06 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: ERC
State: NC

Complaint narrative:
this account is a fraudulent account and was opened with my stolen identity ... IT IS REPORTING ON MY CREDIT AND NEEDS TO BE CLOSED WITH THIS COMPANY AND DELETED WITH THE BUREAUS ASAP

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 2016-01-22 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: ERC
State: GA

Complaint narrative:
After attempting to join the United States XXXX XXXX, I was informed by my recruiter that i have a collection agency that I owe Money to. My recruiter then faxed me a copy of my credit report, that stated I had an unpaid debt of {$420.00} to XXXX, that had gone into collection. The problem is I as well as my family have never owned a XXXX phone, or used there service for ANYTHING. I am a XXXX year old male, and the report states that the debt owed went into collection in 2013, at which time i was XXXX about to turn XXXX. A minor can not buy or even apply for these services at that age. In conclusion due to the fact I have an outstanding debt for a service I have never used, my application process to the XXXX XXXX has come to a complete halt, and can not resume until this debit is taken care of.

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 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: IL

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY 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 2016-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Around XXXX XXXX, my boyfriend and I opened accounts at Citizens Bank ( CB ). Everything was going smoothly until this past Friday, XXXX XXXX, XXXX when I saw that a {$300.00} debit was made to XXXX account and a {$280.00} debit was made to another. I called CB that same day to report that someone ( to my knowledge ) had illegally taken money out of my account. Citizens informed me that they did n't know what the problem was and to call back on Monday when their computer system could tell them more. I call today ( XXXX/XXXX/XXXX ) and CB told me that the " debit '' was done by CB due to an account that I had with them in XX/XX/XXXX that was overdrawn. Citizens took this money without warning, my consent or knowledge. That was almost my entire 2-week paycheck. I am single mother, working part-time and my paycheck goes to paying my car note to get to/from work, daycare and other living expenses and this " debit '' has severely hindered my paying my bills. If in fact I did/do owe CB this money, when these accounts were opened CB should have, at that time, informed me of such and allowed me to re-pay them or not have allowed me to open the accounts at all. I assume that when they took my social security number, at the time of opening the accounts, they could have looked into whether I had accounts with them in the past and informed me accordingly. I feel as though they allowed me to open these accounts under false pretenses in order to be able to " debit '' my account for past monies due when it suited them. Please help me to get my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: FL

Complaint narrative:
Received XXXX phone calls within XXXX week from the following number XXXX and XXXX. Message simply was a debt collection agency following up on collecting a debt. End recording ... 

I do not know what it is all about since we do not have any financial arrears? 

Do not know if this is a scam either?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
XXXX is calling several times daily to collect on a student loan. However, whenever I speak to them and tell them I am willing to pay, just not the impossible amount they ask for, they dismiss me or tell me too bad I need to pay. I have been referred by them back to citizen 's bank in order to lower a payment, who then refers me right back to XXXX. I have asked many, many times for a payment plan option of any kind to lower payments where I can actually make them, instead being told there is nothing they can do besides collect the full payment. This payment is about XXXX my monthly income, which is not possible for me to pay with other bills I owe. I have asked over and over for any sort of program to work on a payment low enough for me to pay, because again I am willing to pay ( as I 've stated to them ), but the amount they 're asking for is absurdly high relative to my income and they refuse to help at all.

Company response to consumer: Closed with explanation