vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
The reason for my complaint is that I have been a victim of identity theft and apparently XXXX XXXX Bank, XXXX Bank, and XXXX XXXX XXXX. These institutions have reported Fraud Activity to Early Warning Services and this has prevented me in being able to open a checking account. I contacted Early Warning when directed to them with my Financial institution that brought to my attention the reporting that is showing on the early warning report. I need this removed from my early warning file. I have provided and attached a police report that has been filed with the XXXX County Sheriff 's office. I am asking for this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC
State: MO

Complaint narrative:
They are repeatedly calling me after a promise to pay has been communicated. They told me since I did n't authorize them to debt my account on the day agreed they would keep calling everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Mortgage is reported wage earner on credit report. The loan is being paid outside of the chapter 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 2015-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX/XXXX/15 and the transaction posted to my account on XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 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: The CMI Group, Inc.
State: IN

Complaint narrative:
I subscribed to XXXX in XXXX 2014, but cancelled within my first 30 days of service. I also shipped back the equipment to XXXX within the 30 days as well, and now they are saying that I owe a fee of {$98.00} in which I refuse to pay, because I do not owe that.

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 non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
The Shellpoint account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even Shellpoint 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint mortgage is showing we are late on our Mortgage and threatening to negatively affect our credit when we are not late and have never been late. We have corresponded with them over and over again showing them the cancelled checks and proof that all payments since the inception of the loan have cleared our bank account along with the original note and closing statement and they still send us letters showing us as late and will not correct their records even though we have provided proof we are not late. We have sent them certified mail, emails and have spoken to them and they still send us letters showing we are late. They deny receiving the certified letters that we have proof that they signed for. We can attach all correspondence with them showing they are being negligent in this matter and we as consumers should not have to be put this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 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: JH Portfolio Debt Equities, LLC
State: NC

Complaint narrative:
Retaliatory conduct must be celebrated amongst credit collection agencies and credit bureaus, because here we go again ... A said XXXX agency has been contacting me but could never articulate the purpose for their call. The agents actually stated each time they called that they could n't find any information for me under my name or telephone, and that only a direct call system was processing the call. What is wrong with commerce today? So as it were, I filed a complaint against this company for harassing calls and markedly having no information to even justify their calls. They responded to the CFPB complaint and stated again ( exactly what I 've stated ) that they had no information to verify or connect me with any particular account and now claimed to have several accounts associated with a business name, XXXX XXXX XXXX. They still did not upload any documents to give record of any purported debt for me or the corporation. I disputed their response and spoke directly to the absurdity of the same. I just received a notification on today that a collection account for {$320.00} from XXXX has been reported by XXXX XXXX to evidently all XXXX bureaus. I guess this is the next logical step for a tortfeasor who has absolutely no regard for the FCRA or any law or ethics. Is this the trick? A person establishes near excellent credit and then purported collectors come out of the wood work to harass customers who have relieved themselves of " would-be bad credit '' status ... it 's like kindergarten for commerce ... I tell you directly as well in the regard of any said XXXX debt ... they should probably revisit this reporting of delinquency because I 've been with XXXX Insurance for quite some time, and quite frankly XXXX refused to extend me full coverage for my vehicle, which is required because I have financing ... so this is really not the road best for them to pursue.

Company response to consumer: Closed
Consumer complaint received 2016-10-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I work for XXXX hospital and was XXXX at work so they sent me to XXXX for XXXX. I have XXXX medical insurance and this was supposed to go through workers Comp. I have submitted the paper work several times to Dept collector and human resources. They refuse to correct this issue and have ruined my credit score. They harass me by phone and mail daily and have threatened me with a judgement. I do not owe {$1500.00} for this medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Have received XXXX unsolicited notices requesting that I contact them about streamlining my FHA mortgage. First notice was ok. XXXX indicated that did not understand why I would not have contacted them.And third which I will attach, goes as " I wrote you twice before to tell you how historically low rates and recent FHA XXXX program changes give homeowners like you the ability to significantly lower your monthly payment. 
Please act now - at no cost or obligation. I 'd be delighted to show you how much you could save. Please call me at XXXX. Sincerely, XXXX XXXX P.S. Our FHA XXXX process requires no appraisal and normally takes less than XXXX week to complete. " Did not save the second notice but that XXXX indicated that they did not understand why I would not have taken any action after they contacted me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: Kriya Capital, LLC
State: CA

Complaint narrative:
This is a very old debt that the original company has collected on and they are harassing me to pay a debt that has been paid

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 2015-10-06 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recover, LLC
State: AZ

Complaint narrative:
I have many times to get copies and info of contracts that they have the rights to collect the debt as well as copies of the original debts that show I do owe this debt. Ever since 2012 they have never been able to produce or will not produce the info that I am asking for. I have issued XXXX complaint with XXXX XXXX on my credit report and they could not even verify the debt with them so that was even removed from my credit. I have also told them many times this is not a valid debt since we were not supposed to be charged anything for moving out early or anything since it was a rental for the harassment that we were receiving. This was worked out with the previous management company before XXXX took over from XXXX XXXX. I also did disclose this to Rent Recover, they have no interest in investigating the claim. I have gotten very upset many times after being yelled at and being told I would just be dragged to court. They would just talk over me and ignore all requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PMAB,LLC
State: GA

Complaint narrative:
This is an old debt that I am trying to find and settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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: Kriya Capital, LLC
State: TN

Complaint narrative:
I signed up for XXXX XXXX XXXX home security when I upgraded my phone. The XXXX representatives said the system would no more intrusive than my current home security system. However, it was. The installation technician wanted to mount a shoe-box-size box on my living room wall. I told him that was unacceptable and did not want the service. The XXXX tech would not take the equipment back with him, saying I was required to mail the equipment back in the provided box. I told him I was not comfortable with that but he refused to take the equipment. He called his supervisor who told me all I had to do was return the package to the United States Post Office. So I did that. I took the box with the equipment re-packed to a United States Post Office. They accepted the pre-paid package, printed a receipt for me and I thought that was it. Instead, I received a bill for more than {$1700.00} from XXXX a month later. They claim they did not receive the equipment. I told them I had the receipt, including the tracking number. They looked it up and noted that the USPS did indeed receive the package and returned it. However, they could n't find it in their system. So they kept sending me a bill. I kept calling back and explaining the situation to a different representative every time. Every time, they found the tracking number and saw that the USPS has delivered it. They said they would make a note on my account. A month later, I would get another bill. Two days ago they turned it over to a collection agency. Now I am trying to resolve this with the collection agency. There 's no end in sight.

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 2015-07-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: PMAB,LLC
State: FL

Complaint narrative:
I received a telephone call from PMAB , LLC of XXXX NC on XXXX/XXXX/15 notifying me of alleged medical debt. After verifying my address and phone number, I informed the representative that I would like proof of the debt and that I had no intention of paying the alleged debt until I was shown proof. He told me he would send proof. I subsequently received a " XXXX % Offer Letter '' dated XXXX/XXXX/15 ( which is not proof ), and missed phone calls from PMAB 's number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), and XXXX/XXXX/15 ( XXXX ). At no time did the company leave a message or identify themselves via voicemail. On XXXX/XXXX/15 after receiving the final missed call from PMAB, I contacted PMAB to obtain their fax number for correspondence. I was given XXXX which I confirmed with the XXXX. I drafted a cease and desist letter and faxed it to PMAB on XXXX/XXXX/15 XXXX. Fax confirmed the transmission was successful. Subsequent to the faxing of my cease and desist letter, I received yet another phone call from PMAB XXXX days later on XXXX/XXXX/15 ( XXXX ). This time, a message was left. I promptly returned the call and spoke with a female representative who informed me she was calling regarding " medical debt. '' I informed her that PMAB was in violation of the Debt Collection Practices Act because I had previously faxed a cease and desist letter and yet received another call. She stuttered for a moment and stated " well that letter is n't in your file ... it must have gotten lost on the fax. '' I told her that I would be filing a compliant with the FTC to which she responded with " yeah, well, that 's fine ... whatever '' and then promptly disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with me has to be between the accuser and me with both of our signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with me and are not qualified to claim that I owe them something under the XXXX of XXXX. 
I have disputed this with all XXXX credit reporting it has been deleted on XX/XX/2015. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them.So, that is why it was deleted and now XXXX year XXXX months later they are trying to collect again on a debt when does it end it 's like a merry go around and harassment because now I have to go through the process again in order to get deleted and will just like before the time and effort us consumers are faced with these collections agencies for what nothing but wasted time and I value my credit and it 's very important to keep onto of these collections agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: Kriya Capital, LLC
State: GA

Complaint narrative:
This company has reported to a credit bureau that I currently owe debt to a phone company I have never had. I 've contacted this company to have it removed and for them to cease contacting me and they have continued to harass not only me but my family friends and MY JOB! I have dates and times of recorded voicemails that I have forwarded to my lawyers to prepare to file a class action lawsuit against this company

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 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.

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 2016-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc.
State: SC

Complaint narrative:
Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
A debt collector is attempting to collect XXXX dollars in association with the City and County of XXXX XXXX XXXX. The letter offers the reason being my failure to file a " Declaration of Closed Business '' form. This debt letter was issued to me on XXXX XXXX, 2016, ten years after having XXXX and XXXX years after having operated XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX. A declaration of closed business form was not filed for either business as I was unaware that it was a mandatory action. An email communication was submitted to XXXX on XXXX XXXX, 2016 asking about the claim a response was provided. ( reference number XXXX ) Upon speaking with a representative for Linebarger Goggan Blair and Sampson, LLP and after having submitted a request for validity of this claim in writing to their firm on XXXX XXXX, 2016 with no reply it was announced that the request was 1 ) not yet received and 2 ) the request was forwarded to the city and county of XXXX XXXX. Today contact was made to XXXX via cell phone, ( reference number XXXX ) asking about this claim and needing to know how to obtain the business account number in question so to complete the Declaration of Closed Business Form for submittal to the city and county of XXXX XXXX. The woman speaking exclaimed that she did not have the information of the business in question and so I provided her with the information mentioned at the start of this letter regarding my business involvement in XXXX XXXX from XXXX. It would be good to know how to obtain the information for form completion and weather or not this is a valid claim. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RGS Financial, Inc.
State: MO

Complaint narrative:
RGS Financial of XXXX XXXX showed up on my XXXX credit bureau on XXXX XXXX, 2016 for {$120.00}. This caused my credit score to drop by XXXX points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by XXXX County, XXXX Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: PA

Complaint narrative:
Calling my cell # XXXX also. Unkown debt possible scam.

Company response to consumer: Closed with non-monetary relief