vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 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: Monterey Financial Services LLC
State: IL

Complaint narrative:
I purchased a timeshare and cancelled it according to the 5 day grace period. I sent a cancellation through email, fax and mail. However they said I did n't send it through register mail. I tried to work with company, but they would n't accept my cancellation. I did pay for almost 2 years but could n't pay anymore due to loss of wages. This debt was sent to a collection agency. They are not willing to close the case, even when I have sent them paperwork showing that the proper cancellation paperwork was filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I had a fraudulent account opened not by me and now there is a company attempting to collect a debt that was never mine from the start.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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: Robinson, Reagan and Young PLLC
State: WA

Complaint narrative:
XXXX XXXX has wrongly submitted a collection action against me. I began new service with XXXX XXXX, and have nothing but consistent billing errors ( always overbilling ). It has been very difficult working with their customer service department to resolve the issues, but a couple of months ago, I thought everything had finally been resolved, and I suddenly received a collection notice on a bill I was unaware existed. XXXX XXXX refuses to recall the notice, and told me to pay the bill and I would have to deal with the credit reporting bureau on my own. This is unlawful as this bill is in dispute, and I do not believe it is owed. Additionally XXXX XXXX has very confusing billing practices, that confuse not only customers but their customer service group. When I contacted XXXX XXXX they also confirmed they did not show an outstanding balance. Here is the monthly copy of my bill. Since working with their customer service, and resolving all of the disputed amounts, or so I thought, I have not received a notice from XXXX XXXX that there was even an outstanding balance. I will not be blackmailed into paying a bill I was not aware I owed, by threatening me with collection actions. I have outstanding credit and will not allow XXXX XXXX to use these strong arm tactics. I pulled a XXXX report, which I have included as an attachment, and it is showing a consistent trend that they are using these unlawful tactics with everyone. Noticed, the complaints are never on the side of under billing, they are consistently on overbilling issues. And their customer service group is not resolvoing the issues corrected. When calls and discussion happen, I have requested they put it in writing because of all of the errors and miss billings and they refuse. This is also unlawful, since they are quoting pricing and locking consumers into three year contracts. They are not charging what they are quoting and we do n't find out until months later as we are trying to sort through the billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
They call me multiple times per day and when I answer most times there is no one on the line to take talk to. After receiving five call in one day with in a few hours of each other, I answered and someone was there to speak to. I told him to put me on do not call, I would call them when I had the money to pay my debt. He told me " I will not take you off the call list and you will continue to get calls '' he then hung up on me. Since this phone conversation the collection company continues to auto dial me several times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX sold my mortgage loan to SLS ( Specialized Loan Servicing ). My payment amount keeps increasing. They say it is because I have an ARM loan and there was a deficit in my escrow account of {$910.00}. Originally, it was {$1800.00} back in XX/XX/2015. I was told they would divide this amount by 12 months and that would be added on to my original payment ( the last payment was {$1200.00} ) which would be {$82.00}. I have paid this since XX/XX/XXXX and now I receive a letter that says I still owe the original {$910.00} from XX/XX/XXXX and NOT pay this on the monthly payment!!! 
This can not be because of the ARM interest going up every month. Not that much. 
I have only received 2 late payment coupons but not received a payment invoice, coupon, etc. from them yet, I have called asking for one since the inception of the loan. I just send a check to an address in Colorado. 
I am XXXX years old and my social security does n't even cover the original amount of the payment let alone all the increases. My credit is bad so I can not go get another loan but have always made my mortgage payments on time for XXXX years except to these people because I send the wrong amount not knowing what the right one is. 
Please help me. I do not know what to do.

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 2015-08-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc
State: GA

Complaint narrative:
I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I have asked Caine & Weiner to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDICO. INC
State: GA

Complaint narrative:
I received a letter from Credit Collection Bureau ( a debt collection company ) in XXXX of 2016 about a alleged debt that I allegedly owe. 

On XXXX XXXX, 2016 I sent Credit Collection Bureau a certified letter requesting validation. The tracking number was : XXXX and it was via the United States Postal Service. They received my Debt Validation letter on XXXX XXXX, 2016. 

After receiving my letter, they have failed to send me validation as requested by myself per the Fair Debt Collection Practices Act ( FDCPA ), yet they have continued to contact me via phone about this alleged debt. According to the FDCPA, any contact or collection efforts absent validation is strictly prohibited and punishable for a {$1000.00} fine " per occurrence ''. 

I 've been contacted at least twice recently ... On XXXX XXXX, 2016 at XXXX I was contacted by XXXX XXXX with Credit Collection Bureau XXXX The call originated from the phone number of XXXX. I was also contacted again on XXXX XXXX, 2016 at XXXX, again by XXXX XXXX from the same phone number mentioned above making it two occurrences that they have practiced prohibited collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
this is bill that originated after I went to the hospital ( which I was instructed by the VA to go to the nearest emergency room ). this was not a VA facility but like I said they instructed me to go.the VA has paid all of the other outstanding bills of this hospital dating back to XXXX/XXXX/2015 excluding this one bill. 
The reason the VA had not paid this certain bill is because they said that XXXX XXXX XXXX XXXX had not sent the necessary medical files. I have since been in contact with the VA and this company and now the VA has the correct paperwork and now it is back up for review and it should be paid within 60 days. but in the meantime this bill has been turned over to the collection agency and I have told them the situation and asked for a consideration to reset the time and they have refused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Purchased a used car from XXXX in XXXX, on XXXX We ( my partner and I ) were very stern that we did not want to spend more then XXXX. We were told the car would be XXXX. We gave them XXXX down. When we got the first payment the total we owed was XXXX. IS THIS POSSIBLE. Are taxes that much, how is interest compounded, i do n't understand how we owe this much, in addition there have been warrantee and recall problems that they have not taken care of. 
XXXX, recently I have been paying the payment, plus extra on the principle. I have tried to figure out how they are calculating this, I have put in every combination of numbers, but it seems it is always about XXXX dollars in their favor. I think they are ripping me off, and they have no one to call that I can talk with. When you go in there this is what they say " you should just buy a new car, get rid of this XXXX ... .blah blah blah '' I am so sick of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC
State: NY

Complaint narrative:
On or about XXXX of 2015, ALLIEDINTERSTATE contacted me about certain XXXX XXXX credit card debt account # XXXX. I personally notified ALLIEDINTERSTATE, that I dispute the validity of this debt and requested that they validate the debt under FDCA ,15 USC 1692, to which they failed to do so. 
However, in violation of the FDCA, ALLIEDINTERSTATE, unlawfully continued attempt to collect on an illegal debt in clear violation of my FCRA and Privacy Rights, causing and preventing me from obtaining new credit, secure adequate housing and or a meaningful employment. 
Furthermore, I advised ALLIEDINTERSTATE, that this debt was a direct result of ID THEFT and as such that I am not liable for this debt. I also requested that ALLIEDINTERSTATE provide me copies of said unpaid invoices and name and address of the original creditor to which they failed to do so. 
Upon belief and Information, whereas, the debt was as a direct result of FRAU and ID THEFT, I requested that this account be permanently closed and any adverse information that resulted from this unauthorized use be deleted from my credit report. 
Nonetheless, ALLIEDINTERSTATE purposefully with ulterior motive disregarded the RULE OF LAW and my request causing and depriving me access to housing ; meaningful employment and/or to obtain new credit without just cause or any legitimate reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Medical Data Systems is seeking to collect, and has posted on my credit report {$140.00} from XXXX XXXX XXXX XXXX for a debt I do not owe. I have made multiple attempts to rectify the information with Medical Data Systems including requesting verification of the debt. They have not provided me with any information. 

I called them 3 weeks ago to report the incorrect posting to my credit report, and they told me they would investigate and respond to me within 2 weeks. No response was ever received. I sent an email to them after the 2 weeks requesting that they update me on the status of my dispute, and provide validation of the debt. No update or validation has been provided to date.

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 2016-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: TX

Complaint narrative:
I get multiple daily calls from Allied Interstate at XXXX. 

I have no outstanding debt at all. 

The calls start as early as XXXX local time, even on Sundays.

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 2017-03-27 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: National Bond And Collection Associates, Inc.
State: PA

Complaint narrative:
I paid the debt in full XX/XX/2017 ( have cancelled checks to verify ) and the debt collector still continues to contact me to pay the debt even though I have told them it is paid in full.

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 2015-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
Starting on XXXX XXXX, XX/XX/2015, on XXXX on or about XXXX XXXX Medical Revenue Service called my personal cell phone claiming to collect a debt I owed for unpaid medical fees amounting to {$450.00}. Prior to this, my insurance had informed me in writing that they approved covering the aforementioned {$450.00} medical fee. During the call, I offered to provide my insurance information so that Medical Revenue Service could file a claim with my insurance to pay this alleged {$450.00} debt. The debt collector refused to take my insurance information, and then insisted on asking for my credit card information. After informing them I do not owe the debt, the debt collector maintained silence on the phone call without hanging up or informing me that they were finished with the phone call. I then asked if they had anything else to speak with me about, and then when they confirmed that there was nothing else they wanted to speak to me about, I ended the call. As of XXXX XXXX, XX/XX/2015, I have yet to receive a written validation notice from Medical Revenue Service. In fact, I have yet to receive any written communication from Medical Revenue Service ; all of their communication has only been through calling my personal cell phone. 

At some point after the initial call from Medical Revenue Service, I contacted the hospital that serviced me to confirm if there were any outstanding fees I had to pay. The hospital did not have any fees, and they confirmed that they did not send any outstanding fees to debt collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc
State: CA

Complaint narrative:
I was involved in a divorce in which I 'm finding out that ex opened accts. under my SSN and my son 's. He also submitted tax returns under a false SSN. He lied about being fired from job to escape alimony. Now I ca n't get into my credit reports at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
There is a medical debt in which I agreed on a settlement set up the payments per our agreement XXXX charge went through and the XXXX the company is stating did not, I never received a call about this until a while later and now this company will not honor the settlement. If I new my HSA card did not process which I have no reason why I would have paid the remaining balance out of my bank account and now this agency will not take it. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover emailed me about fraud activity on my credit card. I received the email and contacted them when I got the email. It was determined that the charges were fraud and card was not in my possession. My last known whereabouts were at a XXXX XXXX. I was within rights of notifying discover of my fraudulent unauthorized charges. they instructed me that there is a XXXX XXXX liability on fraud charges. i thought everything was ok until XX/XX/XXXX where i called them on status of dispute and they said they were denying the claim and that i will be billed. i was like why was n't i notified and why is it denied? they said because i had fraud on my account earlier in the year? i did not authorize those charges, i did not do those charges. i asked what im suppose to do to? they said i need to file a police report for them to reconsider. i went straight to the police office. they actually were n't even too happy i was there because they felt i was wasting their time? one officer said he was taking the report as a courtesy. 2 weeks later discover denied it still. i then asked the XXXX police department about it and they told me that discover fraud department are not the law enforcement and they are in no position to be acting like it. by treating me like a criminal, and acting like they were the police really upsets me. i did everything they asked and even went to the police for help, i am running out of options?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: IQOR US INC
State: WA

Complaint narrative:
Call the let them know this was a mistake and i have turn in the equipment ans send prof and the refuse to respond Still saying i did not i sent them and dish even i send them prof of me getting charge

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 2016-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IQOR US INC
State: MN

Complaint narrative:
Allied Interstate , Inc. has repeatedly attempted to collect on a debt which they have no proof of validity. First judgement was vacated court file number XXXX. Now comes back with no proof of debt and wants money again. Allied Interstate, Inc. was fined in XXXX XXXX for using these same tactics. Complaint was in XXXX and CFPB sent letter that Allied Interstate never did respond. Company is a scam. Illegal judgement needs to be removed or I will file a federal complaint with the FTC.

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