vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
i checked my credit profile and i noticed there is an item on my account for the amount of XXXX from XXXX i been having some issues with my credit so i m assuming this is fraud and i strongly believe this is not my account. i would like for the above company to stop threatening me and harassing me using profanity i called because the number was listed on my account as of XX/XX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: PA

Complaint narrative:
A collection company is trying to charge me a collection fee for a debt they bought and collected on. I paid my debt of {$470.00} the day I was notified. They are trying to add on {$140.00} as a collection fee they are charging. My right I believe is they can not collect more than my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Solutions To Portfolios, LLC
State: CA

Complaint narrative:
Someone named XXXX XXXX keeps calling my cell phone & my place of work. When asked what it 's regarding she says it 's a legal matter, when told I 'm not at work she harasses my coworkers saying " what does that mean?, what do you mean she 's not at work '' Multiple times, and they tell my coworkers it 's a legal matter attached to my social security #. If I do n't call legal action will be taken. I have no idea what this is in regards to, when I looked up the company STP processing they are not accredited by the XXXX and have a false address. I would like these calls to stop, it is harassing me at my place of work and embarrassing when I have no idea what it 's about. They call from XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
My wife had been to XXXX XXXX before me they made her pay both times she was there even though her insurance said they was not supposed to charge for XXXXt 2 calls so she called them she had a credit on her account for {$40.00} and asked them to transfer to mine which would still leave a credit of {$5.00} this was supposed to be taken care of but then we got a letter from a collection agency we wrote them back and explained never heard from them again but this showed up on my credit report we even tried contacting XXXX but they never answered their requests either.

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: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: GA

Complaint narrative:
We got a loan modification with XXXX XXXX XXXX. 
XXXX XXXX XXXX sold loan to Selene Finance but did not send modification paperwork with sale ( per Bankruptcy Lawyer ). Per FHA Selene finance has reported that we have not paid loan in 1 year and has petition Bankruptcy court to remove automatic stay to proceed with foreclosure. The amount under the modification is XXXX per month. Selene Finance has stated we should pay XXXX. The initial court date with Selene has been reset because they did not know about the modification and are trying to authenticate and validate the paperwork. We have filed dispute with credit bureaus alerting them to the erroneous information that has been reported by Selene finance. There is plenty of bad press on the web and facebook about this company and everyone has the same issues. I explained to the Selene finance Bankruptcy Department that XXXX XXXX XXXX should have included the modification paperwork in the sale of the property. I was told that if the modification checks out they might be able to go back and change payments to reflect accurately. But we have not heard anything. The reset court date is 2 weeks out. My main concern is that Selene finance did not return any of the modified payments made and did not look into the complaint we made about which mortgage is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SIMM Associates, Inc.
State: DE

Complaint narrative:
I never knew about this payment from XXXX. I have never made a late payment and now I see this has been sent to collections. I was not aware of this payment. My credit score is extremely low and I have been working hard to keep good credit. If I was never informed about a payment how is that fair that it is sent to collections because like I said I always pay things on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX is charging on an account I do n't have, I 've never had XXXX XXXX before. Apparently this service is in XXXX, Texas, I 'm already in collections for something I do n't have and never had. I called XXXX XXXX and they do n't have my last four numbers of my Social Security.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: PLS GROUP, INC
State: IL

Complaint narrative:
Did not tell me his name. Stated everything was being recorded and would be used against me. Told me if I filed for bankruptcy they would take me to court. Asked to verify the last XXXX of my social security number. Would talk over me as i tried to recall the debt. Would not let me think over the loan. Demanded I pay right now to keep me out of court. When I asked him if he could resend a letter verifying the debt, he told me " the company would not spent one more cent on me. ". Kept talking over me and arguing with me. I hung up the call.

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 2016-08-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
I paid a debt I had disputed on my credit file because I did not want to deal with the hassle. The offices of Howard Lee schiff pc continue to garnish my wages anyway. The past few years have been harrowing. I closed numerous bank accounts because they came after me every time I disputed my credit file. I was never given an opportunity to come to court to argue a defense because they never mailed me a copy of a writ to appear in court. I received only a garnishment letter from my employer and felt I had no other recourse but to pay the debt which I refuted and never got verification on. However I was able to remove partially from a couple of the bureaus because of statute of limitations and other reasons. When I called the office they confirmed the debt was paid off but they are still stealing my money from my wages. How can garnishment proceed when the debt is already paid? I called the state Marshall that executed the garnishment and I found out that the money that was granted in judgement is far less than what they had me pay for this debt. I called several times and spoke with numerous people at the firm that confirm the debt was paid and my employer will get a stop order for this garnishment. The tip of the ice burg is that this debt expired statute of limitations months ago even if I owed them money in the first place and the amount reported to the credit bureau is significantly less than what I was charged. my money is being stolen and I 've been through to much with this firm over the years in ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: PLS GROUP, INC
State: WI

Complaint narrative:
I paid my title loan payment to PLS on XX/XX/2016 on XX/XX/2016 I wanted to upgrade my loan and I was informed that they are no longer doing loans and will close ALL the Loan Stores across the country effective XX/XX/2016. 
They have never contacted Consumers who have payday or title loans to explain how we are going to make our payments and they withheld the information concerning the closures when we made our most recent payment. When were they going to tell me or others that will be affected? All payments will be handled over the phone - out of state. Are they required to notify the State of Wisconsin or Consumers of a major change to the way the accounts are being administered? I went to the PLS website and there is no info or any notices about the changes and closures that have been issued or listed. It looks like business as usual but they have known for over 2 weeks. When were they going make an announcement? This is not the way business is supposed to be done and not the way consumers should be treated who are doing active business with the company. 
Please look into this issue for us. 
thank-you

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 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: CA

Complaint narrative:
Collection company XXXX partners sold this account to another collection agency Capio partners and has left the account open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Offices Howard Lee Schiff, P.C.
State: MA

Complaint narrative:
I was offered a credit card over the phone about XXXX years ago by XXXX XXXX for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
My mortgage company, Gateway Mortgage Group, double charged me, same amount on XXXX XXXX and XXXX XXXX, XX/XX/XXXXI contacted Gateway, they acknowledged that they double charged me and promised to refund me no later than XXXX XXXX, but they failed to do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
XXXX acct has XXXX insurance and they refuse to activate the insurance on the acct they prefer to go to a colledction agency which is fraud! GO AFTER THEM AND GET THEM TO ACTIVAE THE INSURANCE AS I AM XXXX

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 2016-06-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC
State: NV

Complaint narrative:
Since receiving the loan, Duvera Financial has made numerous mistakes with my credit card not going through. The very first month, they input the wrong expiration date, which put XXXX returned payments on my account. There was also a card charged on my account that I do not own. Due to the returned payments, I was taken off the " 90 day '' plan and am now being charged daily interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mediation Recovery Center
State: NY

Complaint narrative:
I was contacted by Mediation Recovery Center ( XXXX XXXX XXXX, IL XXXX ) for debt that went into collection XXXX/XXXX/1992 from XXXX, when I was a minor. Naturally, I would not have been legally able to establish credit at that time. In addition to being a child in 1992, I still used my maiden last name. This company has illegally tied this debt to me and my social security number which they confirmed ( although I did n't acknowledge to them that it was correct ). This collection claim is completely fraudulent and this company needs to be thoroughly investigated for their illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mediation Recovery Center
State: IA

Complaint narrative:
Threatened to garnish my wages and said that my SS # was flagged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have been disputing this information since XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a XXXX violation notification in XXXX 2016 to this company. I need forms showing where I signed for these account. Also my XXXX rights have been violated once any medical information has been shared with any 3rd party agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I would like to file complaint against Blitt and Gaines PC. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. Blitt and Gaines decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. Blitt and Gaines advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called Blitt and Gaines and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said Blitt and Gaines only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector XXXX XXXX. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to XXXX and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XX/XX/XXXX, I was paying $ XXXX/month during my unemployment period on a credit card. I received a telephone call from a debt collection lawyer stating that full payment was required. I acknowledged that this debt was owed however, that I could not pay the full amount but could make monthly payments of {$50.00}. I was requested to send a hardship letter which I obliged. ( I sent the representative all types of personal information ). I was told to follow-up. When I called to talk to the representative, I told her I called to find out the status and was told to pay XXXX of the debt. I informed my representative that I was unemployed and could not make that commitment. However, I could continue to make monthly payments of {$50.00}. Then she said she needed {$500.00} or legal proceeds would begin. I pleaded with her to continue the $ XXXX/month payments. She told me " go ahead and pay {$50.00} but it will not stop legal proceedings. '' I asked her what the purpose of the hardship information was, which she did not acknowledge. On XX/XX/XXXX, I received a summons to appear in court on XX/XX/XXXX. I appeared in court. At this time it was determined that a monthly payment of {$50.00} would be made. All other fees were waived as I told their attorney this is what was being paid in the first place. That this should have never escalated to court. I received a " Judgment by Agreement '' on XX/XX/XXXX from XXXX County Court in the amount of XXXX. On XX/XX/XXXX, I received a telephone call from the Collection Agent Attorney telling me that I have not made any payments. I informed them that I was driving and needed to get home to get all my records and call back. This caller was very rude. I told her she was incorrect. She told me she was " NOT GOING TO ARGUE WITH ME ''. I was in a panic because I never missed a payment in 3 years and was never late. Upon calling them back, I informed them that payments were made every month. They acknowledged that this was correct and did not offer any apology or for causing me any distress. However, to my disbelief, I was informed that the amount now due was {$13000.00}. I asked why this has increased rather than decreased due to it being a judgment. She told me that there is interest of {$2.00} daily. So as of XXXX, it increased {$2900.00}. My payments of {$50.00} are not decreasing this debt. It only continues to rise and will never decrease. I plead to your Bureau to take a serious look into the practice of this agency. I am providng documentation for you in an attempt to help your investigation. I have all dates documented along with telephone calls. I would be happy to answer any questions or provide any other information that you may have.

Company response to consumer: Closed