vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I went to get myself a Checking account and was told by the bank that ChexSystems had a fraud alert on my social security #, I immediately requested my report from Chex Systems. Exactly a week later I receive a report that is scrubbed of ANY identifying reported information. None of the sections in the report held anything besides the inquiries section. The cover letter however put together some excuse stating that " a discrepancy was discovered that associates the Social Security # you have provided to us with another individual 's account information. Therefore you file has been forwarded to the appropriate personnel for handling. We will contact the source of the information to request that they investigate the accuracy of the SS # ''. This of course removes my right to dispute the reported information because my report was scrubbed removing ALL reported information that had them flagging me as a Fraud. I do n't even get the ability to know who the reporting institution was to check with them. To me it seems ChexSystems now can have their " investigation '' take as long as they need and does n't allow me the right to dispute since their is nothing on the report to dispute. Seems to me this agency is NOT adhering to the FCRA, not to mention the emotional distress this caused, the loss of the {$200.00} incentive from opening the account and the time that was wasted I took to open the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
Neither the company nor the collection agency would verify all of my debt. I also have been unsuccessful in attempts to reach both parties on separate occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
I started to order product from XXXX thru their agent over the phone. I provided a credit car but when the agent advised that we will be placed on automatic shipments I said to cancel ecverything, that I did not want their product if I had to be placed on automatic shipment. Operator said it would be cancelled. I then get a bill for {$130.00}. I have never received any product from this company. I have sent them XXXX debt defense letters where I ask them to show proof that I ordered the product and proof of any alleged delivery. Apparently they ignore these for I just received another collection letter from Retrieval Masters Creditos Bureau , Inc. XXXX, NY XXXX. I have been disputing this debt with debt to no avail. When I look on the Internet there are XXXX of cases of consumers going thru the same problem with XXXX. 
Thank you so much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Union Adjustment Company, Inc.
State: CA

Complaint narrative:
Union Adjustment was informed in 2013 that they where reporting a collection account on my credit report and asked to provide a validation of debt. Till this date they have failed to do so. They have continue to report the collection on my credit report with out merit and attempted to collect the debt and contacted 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a loan with advance financial under the impression that I was taking out a signature loan only to find out later I was put into a loan that would never pay off. The terms of the loan were not fully disclosed to me. I feel that full disclosure was not given to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Charlottesville Bureau of Credits, Inc
State: VA

Complaint narrative:
I have recordings of XXXX different poeple giving me XXXX different reasons for a XXXX. ** amount. First was a remander amount of XXXX. When I called in XXXX tobpay amount in full. My charge was for XXXX including fees and interest on the full XXXX amount. My questions I wanted answered on this has yet to even be addressed and is where my dispute is. The other reason for this XXXX amount was said to be a bounced check ( which I am neither confirming nor denying because it was not my check. ) Also the third reason for this amount was a separate XXXX dollar bill in itself. I have these recorded and XXXX separate companies of which my medical debt was through who were told XXXX of these reasons on the wxact same day. I have requested reciepts in regards to what my payments have went to in detail so I can either agree with them or shiw a mistake was made. I am told i will be sent one and never received one. However, I am refused help. When asked not to be transferred and to speak with a manager I am denied. When asked to leave voicemail I was told mabager does not have one. When asked to handwrite a message for manager they refused to. All of this is recorded and I can prove it so there is merit. I was told yesterday that the manager was out then received call from XXXX who was helping me and said she just talked with her. My issue is the lack of answering questions, a lack of giving me rightful procedures to follow to complain on one in offuce person in paticular who transfered me twice when I ask to please not to. How can I deny nor agree to this debt when they refuse to address any of it? My first concerns popped up when new amounts arose. Im not saying they havent been there the whole time. Im saying they were not in the amount when I myself first tracked vcs down XXXX to start paying my debt off. I asked to pay XXXX lowest amounts first. That XXXX was not mentioned. Later it shows up.i call just asking for more details and that is when I was transferred out of office, not guven proof of payments to certain accounts, and the run around in regards to any manafer of any kind. They made a issue when they have failed to give me proof of all this new stuff. So yes I wanted more details befire paying off. I am not satisfied with there answer. Especially with the no merit comment when I do have recorded, written, and person wittness ( from who they deal with personally not me. ) Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
A representative from XXXX XXXX XXXX contacted me in regards to a debt owed from the creditor XXXX XXXX XXXX, XXXX. I told the representative that I am a victim of identity theft and the representative stated to me, he did not believe me. I hung up the phone and the representative continuously called me backed and harassed and verbally abused me by swearing at me telling me, I owed the debt and start telling me I will be arrested if I do n't pay this debt. The representative is in violation of Minnesota debt collection laws and The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation
State: GA

Complaint narrative:
Credit Card Merchant FIRST DATA, has engaged in a long-term pattern of charging me excessive and unauthorized fees that I have not agreed to, and for NOT completing a survey that I did complete. There charges have increased without botice and agreement and when we have complained, their promised adjustments and reimbursements have not been completed. Today when we complained and demanded reimbursement or cancellation of my account, they said there would be NO REIMBURSEMENT if we cancelled the account ( acct. rep " XXXX '' ). I have incurred NSF BANK FEES on account of their illigetimate debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Global Credit & Collection Corporation
State: OK

Complaint narrative:
I called global to report this account as Id theft and they say they have to xfer me to a supervisor in order to validate my complaint and when the xfer me I only get they sup voice mail box. I do n't have time for that. The need to process my complaint now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
The number XXXX keeps calling my employer trying to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ

Complaint narrative:
American Medical Collection Agency ( AMCA ) of XXXX, NY, re-dated an old fraudulent collection account from XXXX to XXXX, and reported it as a new collection account to major credit reporting agencies. This unscrupulous act to stretch out how long this derogatory information my be reported, is a violation of 15 USC 1692c for debt harassment and unfair collection efforts. AMCA also utilizes such unethical measures to use another identity and address, i.e. XXXX at XXXX, also of XXXX, NY, to collect the same fraudulent debts. The removal dates of this negative trend line can be traced on my credit reports over the past few years. This company has been served with Cease and Desist Orders from harassment by me, every year, for the past 3 years. The false accounts reported by AMCA do not qualify as open end or closed end accounts under Federal reporting guidelines. The files need to be closed and further collection efforts terminated. The obligation does not belong to me. AMCA was advised to seek restitution from their client. This was a health insurance card mishap, or a physician 's office mix-up for lab services. I refuse to be repeatedly victimized for someone else 's mistake, and illegally harassed by misreporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: OK

Complaint narrative:
Global Credit And Collection Corp has been calling us daily sometimes XXXX a day for over a month now. When I answer it is a recorded message telling us they want us to call them about debt. We do n't owe any debt in collection? How do I make the calls stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
My name is XXXX XXXX and I am filing a complaint on Cawley and Bergmann. I was shocked to find on my credit a debt of XXXX in XXXX or XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to XXXX that had closed their loan offices in XXXX. When I spoke with them in XXXX, Cawley and Bergmann acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because XXXX is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid Calwely and Bergmann almost XXXX am I still required to pay more than 50 % of my loan. I read that a consumer must only be made to occur only XXXX percent of additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Shellpoint has denied my request to modify my mortgage claiming non receipt of requested documents, and also responded to a previous complaint to cfpb that I did not supply docs. Not true, all faxed and mailed multiple times. I refaxed and mailed XXXX pages yesterday again!. Included were multiple letters from them acknowledging receip of requested docs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK
State: IL

Complaint narrative:
I am disgusted with how Astoria has handled my loan for months. First my loan was denied because i did not qualify for an affordable mortgage payment due to not enough income. Astoria had me re-apply and has and was promised a fair review, however this did not happened. I have provided enough proof to Astoria that my home is severely underwater. This is really stressful because i am tired off all the excuses Astoria has given in order to deny my loan modification. Recently, i was told to participate in any government modification. XXXX also mentioned the only option was to reinstate my loan or sell my home. Therefore, I am forced to file a complaint with my Attorney General XXXX XXXX. Astoria Has never reviewed my loan fairly despite participating in HAMP programs. I am struggling homeowner and i can not afford my mortgage payment. I have been trying to with you to no options. Additionally, you informed of the making home affordable modifications and now that i request help you deny me. I will give you one last opportunity to assist me. Otherwise, I will proceed with my complaint with my attorney general and provide proof of all correspondence exchanged. You make it seem like you want to help me but in realty are doing everything in your power to foreclose on my home. I hope by me writing this letter of complaint my case will be investigated with all of this injustice are done against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I had previously submitted a complaint XXXX XXXX XXXX, but did not respond. I thought our new loan servicer ( Shellpoint ) was moving forward with our loan. They are not. I have called almost XXXX dozen times and have only received calls back in which they hang up on me when I answer. I have done EVERYTHING required to modify my home loan, repeatedly. Nothing ever comes of it. I have been stuck in limbo for years now. And because nothing is ever reported positively to the credit agencies, my credit is always ruined so that I never have any other recourse. I need help. These loan servicers are just kicking the can until homeowners give up. I will not.

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 2016-08-27 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: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
This letter is being sent to you in regards to the above reference account that Linebarger Goggan Blair & Sampson , LLP has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I AM IN A VICIOUS CYCLE WITH SHELLPOINT MORTGAGE SERVICING. I HAVE APPLIED FOR MORTGAGE ASSISTANCE MANY TIMES. EACH TIME I SEND THE SERVICER EACH DOCUMENT THAT IS REQUESTED. I FOLLOW-UP WITH THE SERVICER WEEKLY FOR STATUS. AFTER ABOUT 30 DAYS, I RECEIVE A LETTER ADVISING ME TO SEND ALL DOCUMENTS AGAIN AND COMPLETE ANOTHER APPLICATION. THIS HAS HAPPENED MORE THAN ONCE. THERE HAS BEEN NO WRITTEN DECISION - RATHER JUST AN INVITATION TO SHORT-SELL MY PROPERTY. SHELLPOINT IS NOT REALLY INTERESTED IN PROVIDING MORTGAGE ASSISTANCE. SHELLPOINT PREFERS TO HAVE HOMEOWNERS PROVIDE PAPERWORK OVER & OVER IN HOPES THAT HOMEOWNERS WOULD GIVE UP..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I disputed a collection company by the name of diversified and they removed it over a month ago cause they could not validate the debt. Last night I checked my report and there is another debt collector by the name of credence resource manage on there saying I owe them. Which they did not notify me that they were going to put back on the debt.

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 2016-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
The City of XXXX, Texas is attempting to collect " outstanding balances '' owed on traffic tickets. The city indicates that because this is not a " consumer debt '', e.g., a credit card, it may use the threatening collection tactics and communication ( issuance of an arrest warrant, towing or booting vehicles ) as a lawful means to collect. 

The City also threatens forwarding the unpaid account to a collection agency and increasing the balance owed by a usurious interest amount of 30 %. 

The City of XXXX is also attempting to collect debts older than 4 years old, but does not disclose to the individual i the notice letter that the debt may be " uncollectable '' as a result of the expiration of a statute of limitations. 

However, the City is attempting to collect using other threatening means. The City of XXXX argues that this debt is not covered by FDCPA because it is not a consumer debt and has cited federal court authority ( see attached ). However, the vast majority of these individuals face the lose or suspension of their driving privileges, a right and necessity many MUST have in order to work and support their families. Therefore, this action raises constitutional concerns regarding the loss, suspension or deprivation of a necessary right without due process of law..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation