vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-11 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: The Law Offices of Gerald E Moore & Associates, PC
State: IA

Complaint narrative:
I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by XXXX XXXX XXXX, since they only deal with that agency and not Gerald E. Moore and Associates. A lady at the apartment had contacted XXXX XXXX XXXX to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to Gerald E. Moore and Associates, apparently a company under the same umbrella as XXXX XXXX XXXX. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 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: IQOR US INC
State: NC

Complaint narrative:
This appeared on my credit report. I have not had XXXX XXXX in over 2 yrs. Have not heard from them since paying the final invoice 2 yrs ago, and now they have a debt collector reporting me to the credit bureaus. 
I owe them nothing

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 non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
American Honda Finance. I have no documents lost in hurricane XXXX. Was reported TWO times on credit report negatively. I had no clue. First comprised account was for a lease-option-to-buy. Payments were {$160.00} a month paid on time and completed. 
Second compromised account was for loan from AHF, payments were made in 2 yr period. Payments went up to {$160.00} a month, I was behind in 2009 due to financial hardship. My father had XXXX, had to help with bills and got behind on mine. Communicated with Honda all the time. Since XXXX are paid off, I would like the lease in positive ( never missed a payment ) the loan removed from my credit report. Honda Finance is the most rude and negligent company I have ever dealt with, I expressed my hardship, HONDA, did not care. I missed XXXX or XXXX payments, asked if it could be put on back end of loan and was rejected. I understand I have to pay loans, but when a family member has stage XXXX XXXX XXXX, a car payment missed for a life saved is commendable. Would you not think? Another bunch of jerks. Finance dept, very nasty, " We do n't care if your father is sick, we need your payment ''. NOT RIGHT. Proof of payment, ask them for title, sold car off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: NY

Complaint narrative:
Date of deliquency was XXXX XXXX, 2006, it has now been over 8 1/2 years and I should not be held to pay this and should be taken off my credit as a debit.

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 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Gross Polowy LLC
State: NY

Complaint narrative:
Agent of Gross Polowy, LLC showed up at a house I own and handed papers to my tenant that were faked regarding my mortage. They had gone on the internet to print out recordning documents from my original purchase to make it look real. Tenant thought they were being served foreclosure papers. The cover sheet was made to look like an official court document but the bank named as the plaintiff DOES NOT OWN THE MORTGAGE. I verified this with my current bank just to be sure. It would appear that they were trying to scare me into making payments to them which they would then pocket. This has created a problem with my tenant and is an illegal practice. I filed a report with the local police department. When I tried to call them on this all of a sudden everyone was not available!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 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: Stellar Recovery, Inc.
State: CO

Complaint narrative:
This complaint is being filed against Stellar Recovery in regards to the above reference account that Stellar Recovery Inc. Has illegally reported and listed on all XXXX major credit reporting agencies ( 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 is 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 ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( 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 Stellar Recovery Inc. 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 2017-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
Due to lengthy divorce proceedings and extended unemployment a foreclosure occurred on the marital residence. Specifically, the foreclosure occurred because my ex-spouse refused to sign a deed-in-lieu, or cooperate in the short-sale process. The property was sold at or near the loan amount. Any short fall was guaranteed by VA and the lender suffered no loss. The date of the foreclosure was XXXX/XXXX/2015. 
However, I understand the reporting of this item and I 'm providing this for background information to the following : There was a second mortgage in the form of a home equity line of credit. The mortgage holder was First Tennessee Bank. The maximum amount of this loan was {$25000.00}. 
The amount at time of foreclosure was {$8800.00}. Thirty days after the foreclosure, XXXX 2015 the entire of {$8800.00} was charged-off by First Tennessee and states on my credit report " charge off due to loss ''. At the time of the charge off, and at least sixty days prior to, this account was current with no delinquency and in good standing. As the payments were on auto pay I was n't informed of the charge off until I called First Tennessee in XXXX 2015 asking why I was no longer receiving statements. At that time I was asked to participate in a repayment plan which I have followed as agreed since XXXX 2015. 
Recently I attempted to obtain housing by leasing an apartment. The application was denied based on the level of charge offs. There are several points where I have been affected negatively by false information or actions of First Tennessee : 1. There was no financial loss by First Tennessee and the charge off was discretionary by First Tennessee based on the loss of collateral. 
2. First Tennessee never attempted to convert this loan to another instrument or provide any options before taking adverse action against me. 
3. First Tennessee continues to report this account to credit reporting agencies as a charge off each and every month and refused to explain the correct nature of their initial actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 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: Stellar Recovery, Inc.
State: IL

Complaint narrative:
Son ( who is XXXX ) lived at a different address during 2013. I am XXXX, but we have similar names. 
XXXX is looking for money from him and turned it over to a debt collector. ( XXXX in 2 years, although XXXX ) For the last XXXX 9 months, they call twice a day and never say anything and just hang-up. They sent letter but figured it was a scam as I have Excellent Credit. Looked at my credit report today and sure enough, Stellar Recovery dinged my credit! I called their XXXX number and explained that this debt is not mine, that i have lived at same address for XXXX years and the address they are trying to collect for is not even in this town. My XXXX Account is current and on Auto-pay! Once again I have filed a complaint with the XXXX will also file with XXXX office for fraudulent reporting to a credit agency. Last year it was XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX @ XXXX. Took 6 months to clean up. Now this year it is Stellar Recovery, XXXX XXXX XXXX, XXXX, XXXX XXXX phone XXXX or XXXX ... Also show a XXXX address : Stellar Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX..Are these XXXX companies in bed with each other and XXXX? Seems odd that XXXX can sell old debt over and over again and XXXX innocent consumers over in the end. Should be a law against!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IN

Complaint narrative:
The first communication that I received from the debt collector was a court summons delivered to my mother in laws home. I received the summons in hand a week later from her. The summons stated that i alledgedly owed money to the debt collector. There was no advisement that I had the right to dispute the debt and that I had 30 days to demand that the debt collector validate the debt. I then attempted to demand validation of the debt after doing online research. i sent a certified letter 9 days ago on XXXX XXXX, 2016. The post office told me today, XXXX XXXX, 2016 at approximately XXXX XXXX that the certified letter had been attempted to be delivered on XXXX XXXX, 2016 ( 2 days after I mailed it ) but was not accepted by the debt collector. So as of today, XXXX XXXX, 2016 I am withoyut knowledge or information sufficient to form an opinion as to the truth and accuracy of the claim and based on that i deny generally and specifically the claim of debt to this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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: Stellar Recovery, Inc.
State: CT

Complaint narrative:
Continued attempts by XXXX XXXX XXXX to collect on debt under my name. The debt was clearly shown under another name and address in a state I have never lived. I also was currently living in the northeast while the debt is in California. 
I have disputed several times but the debt keeps showing up in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Amscot did not allow me to get a cash advance because I did not have my current pay stub on me but allowed someone else to get one who was in the same situation. I have gotten cash advances with Amscot before and have always paid them back as agreed. I was not claiming to make a crazy amount of money or even asking to borrow a lot but I was still refused. At Amscot the rules only apply to certain people when they feel like applying them. They refused me because that 's what they felt like doing at the time. Rules should apply to EVERYONE or else it should n't be a rule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
I did not receive a subpoena for this debt until 7 days prior to trial. I was unable to attend because of a conflict. My attorney contacted them numerous times prior and after court date to settle account but received no response. They then preceded in garnishing my bank account without notice. I spoke with them in XXXX of 2016 regarding a settlement at that time. When I tried to call back after a 2nd garnishment without notice they refused to honor the settlement. They have been uncooperative & gt ; I left a voice mail with the organization once again and it took them over a week to return the call., when I finally spoke with someone they were rude and belligerent.Asked to speak with a supervisor, but no one was available. No one has returned a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I been sick since 2014 and went on a medical XXXX. Because of a drastic change in my income for my household I fell behind all bills. I was not aware of the contract I signed with XXXX for home security when I was told differently that it was trial promotion. Because of my medical XXXX I have been very forgetful with my memories lately and it 's hard to make decisions when needed to. With that being said I did try to make payment arrangements and I failed to keep them because I forgot to put it on my calendar. I was supposed to get a call reminder but ca n't remember if I ever received one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
I paid off my auto loan with Santander Consumer USA XX/XX/2015. XX/XX/XXXX I received in the mail a release of lien to file with the DMV, I also received a letter stating my Santander Consumer account was paid in full. As well my credit report currently shows the account as paid off, I sent the release of lien in to the DMV in XX/XX/XXXX when I received it. On XXXX XXXX, 2015 a repossession agent from XXXX XXXX XXXX showed up at XXXX XXXX to repo my car. I stated to the individual I had a copy of the release of lien on the vehicle and a letter stating from Santander Consumer my account was was paid in full. I showed all documentation to the gentleman, he then stated he 's never seen paperwork like that out on a repo before but he had a order of repossession and had to take it. He, then took pictures of documents I showed him and let me get my belongings out of the vehicle. He was very polite let me gather my belongings and then took the car. The following Monday morning I called the DMV an they stated their was currently no lien holder on the title. I then called Santander to find out details to why the repossession took place. The first person stated He was very sorry and my vehicle would be returned in the next couple hours in my driveway, it should of never been repoed in the first place account is paid in full. He put me on hold an a few minutes later said it was all taken care just needed approval from a upper level manager an it was all done. The manger would call the repossession company for return. I then waited an called again a few hours later. An I spoke with a lady, she stated I had some of my payments Return due to NSF charges on my account which is totally false I paid the balance in full. An have the confirmation numbers for all payments and postings to my account. She stated she wanted {$6000.00} to get my vehicle back and an could not issue me a copy of the full account payment history. An if I did n't pay my vehicle would be sold on XX/XX/2015. This is totally bogus I never even received a letter or statement asking for payment or letters retaining to demanded payment or repossession notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
I keep getting phone calls from the phone number of ( XXXX ) XXXX. When I get the chance to pick up the phone, prior to them hanging up within the first 1 or 2 rings, THERE IS NEVER ANYONE THERE. I have checked this number out on-line, and get everything from unknown to debit collections. I have been warned by others that to call them back would establish proof that I had prior business with them, which would void my " Do Not Call '' listings with the FCC, or that they will benefit form this somehow, with such tactics. They have called at least Twice this week, I can not tell if it is a Robo Call or not since there is never anyone on the line, but over this year, it has proven to be aggravating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Do to my spouse and I separation, I had a banking issue so I went to the company ( WESTERN FINANCE ) and asked Western finance not to post the check when they received it because it was not going to pay. After the XXXX XXXX agreed to contact when the check arrived she later posted it to my account ( stated that her supervisor had told her that she had to post it ) then charged me for it and return fees and also now has submitted paper work to take my vehicle. I have had XXXX loans with this company and paid them all back I would say I have a pretty good record with them but because I am not keeping things professional the store manager and her supervisor are have decided that they are going to not except my normal payment that was due. I contacted Supervisor I asked why did they post the the payment she became argumentative so I asked for a higher up she told me she was IT and there was no one else I could talk to and there were other numbers I asked for anyone else she told me the only one was the owner above her and she refuse to give me any numbers to call. I want to resolve this situation but I can not at this time of the year pay above my normal amount of my money I went to them for my protection and theirs prior to them receiving the check so this would not happen I asked if I could pay partial payments to make up for the check and that was sent on the XX/XX/2016 and on the XX/XX/2016 I sent them another payment but they would not except the payment because it was partial. XXXX the GM says that I now owe XXXX but she will do me a favor and allow me pay XXXX but I told her I have XXXX I can pay she said she can not except partial payments but XXXX is also partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: NJ

Complaint narrative:
This is in reference to company call Direct Express which I get my Social Security XXXX checks deposited to my account number is XXXX for XXXX reference number is XX/XX/XXXX their phone number is XXXX back on XXXX XXXX my filed dispute I told him that I was in a XXXX from XXXX XXXX till XXXX XXXX I was learning in a XXXX and any charges I was made in between those dates are not mine did n't give me the run around for almost a month now and I told him that I was in a XXXX in a XXXX so there 's no need for the XXXX bus ticket at this moment give me refund of the money that was taken out and investigate and find out later let 's go what was going on because I was in a XXXX for god sake I was

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Check Security Associates, LLC
State: OR

Complaint narrative:
Call at XXXX leaving messages they will sue they have repeatedly called my landlord to harass and embarrasse me they have been asked XXXX times not to do they also call constantly from different numbers also will not send debt validation letter.told my landlord that I owed money and was being sued.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation