vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ESCALLATE, LLC
State: NY

Complaint narrative:
Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Fortiva refuses to close the account that was created using stolen personal data. A letter was submitted to Fortiva on XX/XX/2016 with the opening of the investigation by my local police precinct. An account was open at both XXXX and XXXX, and were immediately closed on notification by XXXX and the other XXXX credit reporting agencies. Fortiva has refused to close the {$20000.00} credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-27 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
CREDIT CONTROL CORP is reporting on my credit report. IT SHOWS A ZERO BALANCE BUT THE DEBT SHOULD NOT BE REPORTING ON MY " XXXX CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I sent the the attorneys, Sessoms & Rogers, PA, the firm that is representing XXXX requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe XXXX. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
About 5 months ago I received a call from XXXX credit saying that I owe {$600.00} and they were a debt collector. I told them I do n't know that company and it seems like if I owe money to some creditor I would be getting bills for it and I never have. She wanted my bank info which I refused to give. She said I would be sued if I did n't pay. I asked for their address and told her to send me documents to prove I owe it. And if I see that I did I would send a money order. She said they could n't do that and I would hear from their lawyer. Well I looked up XXXX XXXX and saw a bunch of complaints and saying they are scammers. So I did n't worry about it. Well today I was left a recorded message that said this call is from Eaton Group Attorney 's and this call is from a debt collector for me to call back. Which I did n't yet. Should n't they show me proof that I owe this. I have no recollection of owing money to this company. I 'm not even sure if Eaton Group Attorney is talking about XXXX XXXX. ( For the question " Which of these best describes you issue ''? The answer is just that they threaten to sue me not that it 's an old debt because I have no idea what it is. ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I contacted Credit Control Corporation about a recent medical bill that is being handled by insurance. I also called regarding an old erroneous debt that a lender stated that I needed to pay even if the debt is disputed & not valid. After contacting the company, they read notes in the account to show that I contacted them in XXXX regarding this debt which validated what I told the representative which is that this should not be a debt on my credit report because a money order was mailed to pay for this debt even though I am not responsible for this debt. I was advised that this debt ( $ XXXX {$67.00} XXXX XXXX ) would not be reported because it was being disputed, etc. However, months later it was reported & I called back regarding the debt and no supervisor, etc followed up with me to remove the debt as it was stated would be done. Fast forward 4 years, I contacted them to get this resolved because it is still lingering on my credit report, and I have been hung up on, advised no one can assist me there, advised I can not dispute this debt, and advised that it would not be removed even though I was told twice in XXXX it would be & there are notes in this " account '' there to show this. Shortly after a conversation with an employee who stated that she was a supervisor turned negative, a debt from XXXX XXXX popped on my credit report. This was never reported prior to the conversation with this rude individual. In addition, I was never notified on this debt ; I was never advised that this can be disputed, and I have no knowledge of this debt. I became aware of it through a credit monitoring service in which I subscribe. Through the credit report from my credit monitoring service, I saw that the " original creditor '' is XXXX XXXX. I did not authorized the services or treatment of XXXX XXXX during the time it was stated that this debt was delinquent. In XXXX, all my medical appointments were provided through military-affiliated services XXXX This debt all of a sudden reports on my credit report due to retaliation by employee ( s ) at this company who hung up on me as well as stated that she can not help me. This is in violation of my rights, and reporting this invalid, erroneous, and inaccurate date is damaging to me which is what the individual ( s ) who did this was trying to accomplish. I am not responsible for this debt. This debt is not valid, has not be validated, and I have never been made aware of this XXXX debt so I can exercise my rights as an XXXX citizen to dispute it. The timing is impeccable - 2 years after it was stated that it was delinquent. A year in which I never utilized or authorized the services of this group. Please investigate XXXX erroneous medical collections with this company & assist me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Cogent Road, Inc.
State: AR

Complaint narrative:
XX/XX/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is trying to collect {$350.00} which is more that what I owe to a daycare I enrolled my daughter in. A check I issued for under {$150.00} was returned but KAB is trying to collect for an entire week of daycare fees which my daughter was not there and did not check her in. I have my daughter at XXXX for only two weeks and was visiting for a short period of time over the summer which the daycare knew. Now they want to collect more money just because of a returned check I have offered to pay

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: EMCC Holdings, LLC
State: MD

Complaint narrative:
I purchased a timeshare and in 2012 defaulted on the loan due to being laid off. I was contacted by XXXX the original creditor and was offered to sell back my timeshare to my understanding at the time I filled out the ppwrk but never received the {$200.00} it is now showing on my credit report as a foreclosure. I contacted Equaint Financial and was told they do not have the loan or can not service it and was told to contact XXXX XXXX they advised they never serviced my loan it was sold to them by XXXX. So they have no knowledge of the opportunity to sell it back. 

My issue is that from my understanding Equaint can not report to the credit bureau for a debt they cant service or own. Once I reached out to them they reopened my account and it no longer is saying foreclosure but is saying that it is 120-149 days late. How can this be when it was closed for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX collection services has an account on my credit that I have no knowledge of. I have asked by letter documentation a total of XXXX times for this company to validate this item as mine, but all of my requests have been ignored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: AL

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! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CONTOUR MORTGAGE CORPORATION
State: CT

Complaint narrative:
Contour Mortgage who is a XXXX approved lender has been holding up the loan with minor details. I have extended the purchase twice with the seller and now moving into a third extension, which will now cost me $ XXXXday until the closing. Numerous attempts to rectify any and all problems, but emails and phone calls go unanswered or fall upon deaf ears if a human is reached. I have been jumping through hoops to find out there are more hoops to jump through. I have satisfied all request only to find it was not good enough or they need documents that were already sent. Some documents have been sent 2, 3, and some 4 times. They do not follow the XXXX guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time. 
XXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX. 
This collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted. 
I do have documentation from XXXX that supports my claim and would be glad to submit that if needed. 
The phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: OR

Complaint narrative:
Selene Finance is the service my loan was transferred to, by XXXX XXXX. I spoke with XXXX at Selene today to indicate I was wanting to participate in the modification program that was offered to me in their letter dated XXXX/XXXX/2016, which I received on XXXX/XXXX/2016. He told me I was not allowed to participate in it because the house was already foreclosed on. The letter said I had until XXXX XXXX, 2016 to decide and have the paperwork to them by that date as specified in their letter. Why was this offered to me if they had no intention of allowing me to participate? Why did they inform me I had until XXXX XXXX, 2016 to get them the required documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 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: Waterfall Revenue Group
State: CT

Complaint narrative:
I paid A-1 credit collections in full amount 2000 something and they promised to take off the credit report and they never did so my credit keeps on Lowering. I paid it last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP

Complaint narrative:
I have been trying to sell my home for 4 years now with no happy resolution. My home loan was through XXXX XXXX XXXX who constantly told me they were missing paperwork for my short sale package. My loan was bought by another company, Selene Finance. After they approved my short sale, I had a buyer. We were due to close the selling of the house for months as Selene kept delaying the final paperwork. After six months, the buyers walked away. They, and I were overly frustrated that the closing paperwork kept getting delayed. Here I am, an XXXX service member XXXX and I own a property that I ca n't afford. My credit is taking a huge hit and I 'm overwhelmed with trying to sell my home and support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: NY

Complaint narrative:
This complaint is in reference to Popular Community bank 's {$120.00}. bonus checking account promotion now in effect. 

Here are the small print rules : http : XXXX Retirees get once a month direct deposit checks. 

Since it takes the Treasury /Social Security 10-12 days to set up a new electronic bridge to the bank ... it is simply impossible for retirees to have XXXX checks deposited into the new account within a strict 90 day window as specified by the bank. 

The third direct deposit would always exceed the 90 day window-so the customer would forfeit their $ XXXX. The bank might as well have advertised people who do n't work ( earn weekly or bi-monthly paychecks ) need not apply. The XXXX checks within 90 days rule blatantly discriminates against the elderly, the XXXX and others who receive once a month income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: IN

Complaint narrative:
Our mortgage payments are, and have been, up to date. We have all the documentation to prove this, however, Selene Finance is continually sending us Certified and regular USPS mail stating that we owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They did not respond to emails. XX/XX/XXXX we sent a certified letter with our complaint and proof to Selene Finance. Over a week later we finally received a response via email stating that we owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in spite of having just provided proof in a certified letter that XX/XX/XXXX - XX/XX/XXXX have been paid. We responded to the email and again have not received a response. Today we are sending yet another certified letter to Selene Finance to provide them with another copy of the same proof that those payments have been made and to correct the error in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Previously I was utilizing a lawyer to prevent a foreclosure on my house. As of XXXX XXXX, 2015 I am no longer using legal services. Prior to XXXX XXXX I had requested multiple times to get a lost mitigation package. The person handling my account would not respond. I called and left messages, emailed and faxed many times but I was ignored each time. Several times my husband called and was ignored too. Our circumstance has changed and now we have a little more finances to work with but the mortgage company wont take the time to hear our pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: FL

Complaint narrative:
XXXX XXXX XXXX has foreclosed our home illegally. My husband and I have been trying to get a mortgage modification for about 6 years. We have applied approximately 28 times for a mortgage modification with XXXX XXXX XXXX, and more recently with Selene Finance. My husband is XXXX, and I am in the process of applying for XXXX as well. Originally XXXX were servicing this loan. They got in trouble or something and XXXX XXXX XXXX began to service it. We applied, basically, every 90 days for a mortgage modification after I lost my job, due to a work related illness. They would tell us that we did not submit a document or we did not reply within the specified time frame. All of these reasons were untrue. This appears to be XXXX nefarious scheme to steal real estate property, and were subsequently fined for these illegal practices. About the time the Florida Attorney General was closing in on XXXX XXXX XXXX, they sold the mortgage to Selene Finance. We tried to apply for a mortgage modification again but the balance had increased by {$50000.00}. To a new total of {$200000.00}. In the meantime, we have experienced a sinkhole under the home and are currently in litigation with the insurance company. XXXX XXXX XXXX tried to file a motion to stop the foreclosure due to the sinkhole claim, but the circuit judge denied the motion. We filed bankruptcy to stop the sale. When the bankruptcy was discharged due to not being able to pay the filing fee, XXXX XXXX XXXX again initiated a foreclosure. XXXX XXXX XXXX foreclosed on the property illegally. Selene Finance has been the owner of the mortgage since XXXX, XXXX. XXXX XXXX XXXX stole the property through their robo foreclosure law firm XXXX XXXX, on XXXX XXXX, XXXX. There were other purchasers at the foreclosure sale, but the County Clerk did not give them a chance to bid. Instead they sold the property to Selene Finance in the back room for {$100.00}.

Company response to consumer: Closed with explanation