vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc.
State: KY

Complaint narrative:
I got a call from XXXX asking to speak with XXXX XXXX. That is me so I confirmed. They told me they were with ARA XXXX and they were calling to notify me that a federal judgment would be filed against me for the debt I owe XXXX on an unpaid credit card balance. I told them I have never heard of that bank and do n't have a credit card with them. She asked me if the last XXXX of my social were XXXX and the numbers she gave were the last XXXX of my SSN. I said okay and the call was disconnected. I tried to call back and got the run around. They asked to look me up by my SSN but I would not give it to them. She asked what city and state I live in and was able to " find my account '' that way. She then read me all of my personal information. My full name, DOB, and SSN. She said that I had a federal judgment that was going to be filed and a summons to appear in court or a warrant for my arrest would be issued. She then told me she was only a receptionist so she would have to transfer me to the legal depart. I was then put on hold and nobody ever picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
In XXXX I invested my XXXX into multi-residential apartment units and financed it through PNC Bank. My loan # is XXXX, under my XXXX complaint organization called XXXX. Over the last few years I tried to refinance this loan at existing interest rates which were 3 % -5 % points lower than my existing loan at 6.75 %. XXXX of my attempts were rejected. Over the course of 8 years I 've paid XXXX of XXXX of dollars in interest but principal amount have been reduced by only $ XXXX. After the economic downturn in XXXX, the interest rates dropped and so I wanted to protect my XXXX and leverage the low interest rates, but PNC rejected my requests for refinance, and continues to charge me high interest rates. I also suspect that with the current 6.75 % interest rates, the calculations may be compounded by additional charges which I do n't understand and this could be reason why it is not making a dent to the principal balance. Since the original investment came from my XXXX I want to protect this investment, but at this time I think I am going to be losing a substantial portion of my retirement income since PNC is not ready to refinance. I am XXXX years old, and have little runway to ensure that my retirement income is protected. So need your help to ensure PNC loan practices are in line with standard financing practices, especially those that apply to XXXX investments. During the economic downturn and even to the current day, my XXXX organization, XXXX XXXX has lost money each of the last 8 years. PNC cooperation in refinancing my loan in XXXX, XXXX could have saved me XXXX of dollars in interest payment, and helped me break even at least. I 've not missed a payment on the loan since XXXX, and was hoping PNC would take this into account in refinancing my loan as early back as in XXXX, when commercial loan interest rates were falling. 
Looking for some interest rate relief and retro relief too, as a special case since my retirement investment via XXXX was designed to be my retirement income, in a couple of years time when I retire.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: Rhojo Enterprises, LLC
State: FL

Complaint narrative:
I had an account with XXXX in XXXX when I was stationed their in the XXXX. I got orders to come back to the states and sent a letter with my orders telling XXXX I have to cancel my account. 

A year later a debt collection agency called Orion Recovery told me I owe over XXXX dollars for unpaid phone bills from XXXX in XXXX. 

Orion has my cell contract, but my contract does n't say anything about a cancellation fee or something about giving a 90 day notice. 

I keep asking Orion Recovery to show me where it says I have to give a 90 day notice, but they wo n't and keep trying to scare me saying I owe them more and more money every day I do n't pay them. 

My XXXX XXXX XXXX building said that this collection sounds like a scam, because Orion says they have a contract with XXXX and they constantly do the same thing to service members over and over again. 

They wo n't reconize my evidence ( audio phone call recording with XXXX and pictures of the mail I have sent. ) I have shown them and they wont prove that I had to give XXXX a 90 day notice. 

I do n't know what to do in a situation where debt collectors are telling me unless I have proof of paying those 3 months I have to pay them and how much I owe them will keep increasing each day. 

I have n't ever taken anyone to court, I dont know how much lawyers cost. Am I stuck paying XXXX dollars to Orion Recovery because it might not be worth the court costs? 

I do n't think Orion will ever take no for an answer because they ignore a lot of information I send them like the XXXX XXXX XXXX act. I believe my contract falls under that category and they wo n't talk about it. Orion also tells me that it is unreasonable for them to contact XXXX for any more information because it is untimely. 

Whoever reads this I really hope you can help me out. I dont want to fork over XXXX bucks when I do n't feel I owe this. I did everything the right way. 

I do n't know what XXXX parties can get them to back down. Logically, my side is correct, I 'm just not very good at being a lawyer.

Company response to consumer: Closed
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was hospitalized XX/XX/XXXX and had a deductible of {$3500.00} from my medical insurance company. 
I was paying the hospital directly, but when I called to get my balance, I was told that they did not have any information. I was then contacted by a collections agency, Progressive Mangement Systems. That was in XX/XX/XXXX. 
I made arrangements to pay XXXX per month. 
I received an itemized payment summary and one is for {$1700.00} and another for {$3800.00}. 
I have been unemployed since my illness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: Tate and Kirlin Assoc
State: OH

Complaint narrative:
Tate & Kirlin Associates were calling me after I told them I 'm on Social Security XXXX and Ally had already " Charged Off '' loan as bad debt on both my wife 's and my credit reports. I also told them to stop calling. Now they are starting to send mail wanting to collect on the debt. 

Today, we have sent them a " Cease and Desist '' fax but not sure they will receive it or honor it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$650.00} with a collection Agency without knowing the name of the previous company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: MN

Complaint narrative:
I was contacted on XXXX/XXXX/XXXX in regards to a payday loan I supposedly taken out on XXXX/XXXX/XXXX. I requested the specifics of the payday loan as I agreed to taking out payday loans in the past but never defaulted on it. The person could not give me any specifics as to who the complainants/broker were however ; she did state the financial institution was XXXX XXXX. I am very skeptical that this is my debt as I 've have excellent history of paying my bills on time for the last 8 years no late payments on credit report at all. As a matter of fact I am certain this payday loan was paid in full. I am sure this is some sort scam or scare tactic and I am not sure what they will try to do to get money from me. I ca n't say the debt is mine or if I 'm a victim of identity theft. I am currently with the same bank and never received any sort of communication about debt being outstanding. I 've lived at the same address for 6 years prior to moving in XXXX XXXX. I have never received any sort communication about delinquency which raises concerns. Could someone provide information on the legitimacy of this debt collector? They only provided a number no company name is noted on answering machine XXXX. Lastly, I checked the debt was paid in full however it may not be mine at all considering they could not provide me any details on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
I have an mortgage loan with Bancrop South and I have been treated like I do n't matter. I have had problems with them contacting me when I have questions or issues. As of XXXX/XXXX/2016 I do n't have homeowners insurance and it is because Bancrop South did n't pay the insurance company when I submitted the documents. I was told by XXXX XXXX that they will also contact Bancrop South also. Well I do n't know what happen but I talked with the Insurance Department of Bancrop South and that was weeks ago and I have n't heard from anyone. As a customer of Bancrop South I was never given the opportunities to lower interest rates, I was denied a loan to refinance my home to get a lower interest rate and never notified of how thing work with escrow. I 'm a first time homeowner and I was never educated on how escrow works.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Independent Recovery Resources, Inc.
State: TX

Complaint narrative:
I have been called for months by a company called Independent Recovery Resources , Inc. XXXX XXXX XXXX, XXXX, New York ; phone ( XXXX ) XXXX. They claim to be looking for someone named XXXX. When I advise that there is no one here named XXXX, they hang up. I suppose being rude is one of the job skills required to work for this company. If so, they have definitely managed to obtain the most skilled workers there. Today, I spoke to a bristly lady who would identify herself only as XXXX ( Operator XXXX ) who abruptly hung up when I tried to ascertain the nature of the debt and on whose behalf IRR was working. I also wanted her agreement not to harrass us further. I was civil but she abruptly hung up anyway. When I called back, the only option given was to leave a message.

Company response to consumer: Closed
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I have an ongoing dispute with the billing practices of Progressive Mgmt Services ' client, XXXX XXXX XXXX Hospital and its affiliates. XXXX XXXX XXXX Hospital and its affiliates routinely do not provide itemized billing in a timely manner, do not send itemized billing at all, and place accounts in collection without proper due diligence. PMS has been repeatedly notified of this fact on at least 3 prior occasions. PMS continues to attempt to collect invalid debts on behalf of XXXX XXXX XXXX Hospital and its affiliates despite the prior notifications. PMS leaves automated and live telephonic voice messages regarding the disputed accounts without verifying they have the correct contact information and without permission from the alleged debtor - in violation of the FDCPA. PMS has failed to put into place safeguards to rectify these issues as previously outlined in multiple communications with them, XXXX XXXX XXXX Hospital, and the AZ Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Financial Credit Service, Inc.
State: WI

Complaint narrative:
I attempted to notify the person calling of a change of address and they told me it is not their job to keep that information. They were supposedly sending information to an address that I have not lived at for 10 years. My family is receiving threatening phone calls and i have received emails threatening to take my exempt income, lose my job, seize my retirment fund and so forth. I tried to speak to a supervisor who told me the same thing, that it is their job to basically hunt me down, not help me. They were threatening to file papers with XXXX XXXX and again I asked to provide a new address and they refused. I received no bills from a collection agency in reference to this matter and I asked for them to mail me a copy, and they refused. They said they made an offer and I refused it, which I did not, I asked for them to speak to my mother and instead they refused to work with me or her. She tried to talk to the supervisor and he was very rude and hung up on her. To date I still have received no copies of bills, only harassing phone calls to my family and threatening phone calls to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
Calvary, SPV aka Calvary/Portfolio SPV is attempting to sue me through the Law Offices XXXX XXXX XXXX XXXX XXXX XXXX for a debt of XXXX. This account was closed and part of a class action lawsuits against XXXX ; also Calvary/Portfolio is also the defendant in a class-action lawsuit that I am privy to. I have letters and post card proving that I do not owe the account, as the account was closed per me, noted by XXXX Also class action lawsuit settlement. Their information against me also included a false affidavit. I contacted the County Court with this information, and sent certified letter to XXXX XXXX XXXX XXXX XXXX as of XXXX/XXXX/2017. However, Calvary has resubmitted items on my credit report dated XXXX/XXXX/2017, stating the balance still and that I am disputing it. It is still entered on my report as a debt. No information has yet to be sent to me or reply to the court regarding my answer on their potential judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Credit Control
State: CA

Complaint narrative:
This is the letter XXXX wrote that says I do not own the bill because is was not turned into the insurance company in time by the doctors staff / XXXX XXXX / XXXX / XXXXXXXXXXXX. 
On XX/XX/XXXX XXXX pended the claim for XXXX XXXX for x-rays performed at XXXX XXXX XXXX for additional information. The additional information we were requesting was in reference to pre- existing condition. This information was sent to the customer since XXXX XXXX XXXX was not the ordering provider and would not be able to provide this information. Since we are showing that this information was never received from the customer, the provider then has the right to bill the customer. On the other hand if we reached out to the provider for this information and got no response as a contracted provider they would not be able to bill the customer. 
At this point the only way we can resolve this issue is if you are able to provide us with the pre- existing information we were requesting and show proof of when you originally submitted this to XXXX . This would have had to have been received by XX/XX/XXXX to be considered timely response. 
Any questions please contact XXXX customer service at XXXX confirmation # XXXX. 
Thank you and have a great day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX : XXXXXXXXXXXX, unpublished property of XXXX.

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 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Stearns Ventures, LLC
State: WA

Complaint narrative:
I am very sad at this times, after several month waiting on the underwriter to let us know if we were approval or not. The underwriter became to a point that she very looking for item to denied our loan. We feel she wasted out time, and money. We supply every piece of documents they ask for. We feel due to our race the underwriter, made a major factor and denied our loan. Also XXXX XXXX started this problem we try first them then, XXXX small thing pop up and they denied her first, for not a good reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Financial Credit Service, Inc.
State: SC

Complaint narrative:
ARA Inc contacted me regarding a XXXX XXXX XXXX personal line of credit Acct. I did not own. They stressed to me If I dont make arrangements today They would place it on my credit report. It was stated to me the last XXXX ssn digits were mine and the bank is always accurate. I felt some uncertainty about it and I never dealt with XXXX XXXX XXXX. She stated they bought the acct from a previous owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Trident Asset Management has bought an old account and re-aged it. They are now trying to collect on this time-barred account. They continue to harass me, yet refuse to send validation of the original date of this debt from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc.
State: MO

Complaint narrative:
AllianceOne Receivables, are having my checks garnished at 25 %, on old parking tickets. Parking tickets are from XXXX to XXXX. I have written the courts in XXXX XXXX XXXX XXXX XXXX XXXX Washington once before. The Judge already told the collection agency about the " Statue Of Limitation ''. So the attorney agreed upon recent debt. However, again XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Does their own Writ of Garnishment For Continuing Lien on Earnings. 

AllianceOne is charging me over 200 % interest or more for parking tickets from {$25.00} to {$40.00} dollars, which the ticket 's are now {$280.00} dollars. 

I believe this is unfair practice and taking advantage of having the freedom to garnish my wages. 

I am ask that CFPB investigate the unfair practice of this Collection Agency that has put a lot of interest on parking tickets and has went pass the Statue of Limitation for collecting on old debt and leaving me in collection with even older debts. 

The attorney 's that Allianceone has representing them is writing their own Writ of Garnishment and taking advantage of filing on unfair debt. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC Bank is engaged in the practice of re-ordering transactions to maximize overdraft fees. I have caught them doing so on a number of occasions. I am opted out of " Overdraft Protection '', but they continue to process transactions, including ATM and debit transactions in order to levy further fees.

Company response to consumer: Closed with explanation