vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Global Recovery Group
State: LA

Complaint narrative:
They keep threatening with arrest and with police action and w/court action.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: GA

Complaint narrative:
A company that has recently purchased my auto loan has contacted me more than 7 times in a four hour period while I myself am at work and unable to take calls for a payment that is only three days past due

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 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received loans beginning in XX/XX/XXXX and had to take a break from school in XX/XX/XXXX because my grandmother was XXXX. In XX/XX/XXXX, I had my son XXXX and he was XXXX for 6 weeks, I took another break to focus on him. During the second break, I did n't know that the loans that I got in XX/XX/XXXX would not be in the 6 month grace period, as the other loans were. I did not receive or open any correspondences during that time frame. Once I realized the loans were becoming due, ( I thought all were in the grace period ) I contacted Navient to find out what I could do. At that time I was told about the income based repayment plan. The loans from XX/XX/XXXX are reporting late payments and I was unaware that I was supposed to be making payments or that I had any options. I have contacted Navient, who told me that although the see I did n't open any emails, I called the automated system from a number they had on file, so they could n't remove the late payments. I honestly do not remember calling them and not speaking to a rep. That would defeat the purpose of calling and I would have spoke to someone, if I would have known I had a balance due, to prevent something like this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was misled and charged an annual fee of {$75.00} on my first statement. 
An annual fee was not indicated when I applied for the card. 

The application was made on an XXXX flight. 
Airplane attendants discussed and gave out applications which were then completed and given back ti the attendants.

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 monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying XXXX separate student loans to Navient since approx 2008. A couple of years ago, I increased my payments to almost twice the amount per month in order to pay the loans off more quickly. My intent was to pay the higher-interest loans first. I was told by Navient that " they did n't do that and all monies would be applied equally to all XXXX loans. '' At this point I am XXXX y.o., plan to retire in a couple of years, and I 'm still saddled with significant student loan debt. The original loan was for {$39000.00} and the balance now is approx XXXX. After all this time I 've only paid {$2500.00} towards the principal? Also -- I work in XXXX and applied for loan forgiveness but was denied because of the type of loans. I could really use some guidance here, either from you or a recommendation as to whom I can seek counsel. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Wilson, Riley & Associates
State: CA

Complaint narrative:
Obtained a XXXX from XXXX XXXX that I defaulted on due to medical illness. On XXXX/XXXX/16 I received a call from an unknown Company stating " they would be coming to my home or place of employment to serve a Court Summons. '' They also stated they were retained by the creditor for collection process. The number referenced for callback is the same number this Male ( he gave no name ) called from. I called the number and no Company info was ever given. A male answered only stating " This is XXXX ''. I stated reason for my call and after some research XXXX says " you owe {$410.00} ''. I protested and stated I was aware I owed {$300.00} and I would only pay this amount. XXXX assured me I owed {$410.00} and stated " Do you have proof that 's all you owe? ". I informed him I had spoken with XXXX XXXX and was told the amount and it was {$300.00}. XXXX said " you agreed to pay surcharges, etc and you owe {$410.00}, it 's not fair for you to not pay your bill. ". I stated I 'm not dodging payment but I 'll only pay what 's owed. XXXX then became very upset, yelling and screaming, cursing at me and threatening legal action. I went to a local XXXX XXXX store asking for help ( I still had no idea of who the company XXXX worked for was ). XXXX an employee asks XXXX what company he was with and he repliex " XXXX you need to do your XXXX job and give the XXXX phone to XXXX XXXX ''. After this he yells more obscenities and hangs up again. I then call XXXX XXXX XXXX and speak with XXXX, she then gives me Midwesterns number and they give me XXXX number. I spoke with XXXX XXXX at XXXX and he advised me to call XXXX back because that company had the loan. XXXX gave me the Company name Wilson Riley and Associates. I call back but I recorded the calls. XXXX answered and as soon as he knew it was me he berates me " I do n't respect you XXXX XXXX, etc '' ( I wanted to upload recordings but system wo n't let me ). After 4 attempts being yelled at, called names I beg XXXX XXXX to help me and take my payment. I still to date have no legal proof Wilson Riley and Associates own my debt. A payment processed for {$310.00} on XXXX/XXXX/16 from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH 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 non-monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Executive Acquisitions Group, LLC
State: NV

Complaint narrative:
Customer kept calling my home ( at XXXX PST ) to threaten me with arrest for a debt that they refused to state what it was for or who the original creditor was. Called me 4 times in a row, then proceeded to tell me XXXX off and I was a XXXX for stating I would file a complaint against them. Name of the company ( supposedly ) as it appeared on my caller ID is Executive Acquisitions - phone number that came up is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First Recovery Solutions, Inc.
State: AZ

Complaint narrative:
Every year since I had discharged my bankruptcy in XX/XX/XXXX I receive calls from yet another collection firm trying to collect on debt from XXXX XXXX XXXX regardless of the fact that they were included in my bankruptcy. 
The calls started again at my place of business and on my cell phone XXXX/XXXX/XXXX and have happened at least once a day with an automated message being left on my voicemail despite my attempts to complain to the donotcall registry. 
I finally called them back today at XXXX and XXXX XXXX told me she was with First Recovery Associates and she was with an " arbitration firm '' attempting to collect on a debt from XXXX XXXX XXXX in the amount of {$400.00}. She said I would soon be served and when I told her that she is the XXXX company that has bought this debt and that it was included in my bankruptcy which discharged XX/XX/XXXX and would she like my lawyer 's phone number she said she did n't and that she would just take the file to litigation, then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc.
State: LA

Complaint narrative:
This company claiming to be First Recovery contacted my ex-mother-in-law saying I owed a debt and gave her a claim number. I looked up this company and found that these are scammers trying to collect money. First Recovery is actually a health care company yet these people are portraying themselves as a debt collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Card Acquisitions Group
State: WI

Complaint narrative:
I received a call from XXXX and they left a message saying " Our office has been instructed to contact notified individual by the name of XXXX this notification will be defined as formal intent to contact you regards to receiving a statement of intent by named individual XXXX prior to filing in your county jurisdiction. A mandated response is requested from yourself directly at toll free number XXXX claim number XXXX toll free number again is XXXX. '' XXXX is my brother ; I am XXXX. I called back and informed them that I am not XXXX and that they do not have my permission to ever contact me regarding my brother or his business and that they must take my personal cell number off their list. To be clear, I have never co-signed anything for my brother. The person who answered became instantly belligerent ; told me to shut up multiple times, used abusive language/tone and, in the end, threatened that he would subpoena me to court in my brother 's county of residence ( he 's in XXXX, I am in XXXX ) as a character reference for whatever he is working on. The person I interested with was the most obnoxious and completely unprofessional individual I have ever been in touch with. It takes a lot to rattle me and this one ticked me off to the core. The name of the company was " The CCA '' or " The XXXX. '' I have added them to my block list, but still would like you to take action. NOTE : My brother is the veteran, I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
Please see attached letter from M Leonard And Associates. It seems that they have confirmed their closure of their file and have not requested that this item be removed from XXXX. Looks like a possible error.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I applied for a loan modification through my servicer, SPS on XX/XX/XXXX. During the course, of the next two months I worked steadily with the loss mitigation department to get a loan modification application approved. The department advised me of documents needs and I would upload the often the same day requested. Unfortunately, with the multiple requests for documents and the rotation of designated single point of contract individuals, very often the documents did not get processed in a timely manner. Ultimately, the account was assigned to a single point of contact that was never available or reachable to verify not only that the documents were received but that the documents were satisfactory for underwriting. I often had to speak with other individuals less familiar with my case. The process of getting documents over to the loss mitigation department was less than pleasant because the notes on my file were often not updated. Therefore, I was asked to send the same documents over again. Eventually, the loss mitigation department closed my file on XX/XX/XXXX to which I exercised my right to appeal. On XX/XX/XXXX, I sent the appeal with all of the documents that I understood were still missing, along with updated information that I anticipated the department may need to review my appeal. My appeal should have resulted in reopening my case ( as I was instructed it may ) when I spoke with the substitute representative ( absent of contact with my single point of contact ) Instead, the appeal was denied as well because the necessary review and time frame was too close to the schedule Sheriff Sale on XX/XX/XXXX. I should have been advised even though I was entitled to an appeal, it would not be reviewed. On XX/XX/XXXX, I spoke with the Ombudsman Department and they advised me they were unwilling to stop the Sheriff Sale. We discussed alternatives and it was suggested that I seek the aid of an advocacy group to possible stop the sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
The company BalanceCredit.com took a payment from my bank account on a day that was n't scheduled for a payment. I have n't received overdraft fees yet but I will. 

Their address is here : Balance Credit Attn : Customer Support XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ROC Asset Solutions, LLC
State: SC

Complaint narrative:
Received phone message at work from XXXX at API XXXX that I was being sued for a debt and they were sending paperwork to my employer and the XXXX XXXX. Did not identify original debt or amount or send me anything in the mail about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have opened a bank account at PNC Bank, last month and i have been waiting for my check book, and have not received it, but there is a check on your account that has been cashed without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Mobiloans, LLC
State: VA

Complaint narrative:
Mobiloans processes XXXX transactions from my account when only XXXX was authorized. 

When I contacted them to request refund the supervisor said she would have to review call and call me back. I said I would hold. She refused saying she has calls before me, despite being on the phone with me for 15 min. I told her I was contacting the CFPB to file a complaint. THEN she said " then I wo n't be able to contact you back if you are going to escalate it to anyone '' and hung up on me!!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with them.

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 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for a Macy 's credit card I purchased something the same exact day for {$75.00}. I 'm not sure of the timeframe but in the same year my credit card was stolen along with other items I filed a police report I also called to cancel my card and someone did n't thoroughly do their job correctly and it was not canceled now this debt is reported on my credit report for {$280.00} and I want it taken off and I am willing to pay the {$75.00} that I originally owe.

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 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Federated Adjustment Company, Inc.
State: WI

Complaint narrative:
My BANKRUPTCY was Approved on XXXX XXXX, and besides my Bankruptcy being on my CREDIT REPORT, there 's XXXX Collections from my Bankruptcy, that are on my CREDIT REPORT separately and I owe nothing on all of these XXXX Collections from Medical Reasons. 
The Company that did my Bankruptcy is know Bankrupt and went out of Business, so I ca n't get ahold of my Bankruptcy Lawyer to ask him how to remove these Collections from my CREDIT REPORTS.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I noticed a levy on my bank account on XX/XX/XXXX from Midland Inc. I called Midland asking what it was for and I was told it was for a XXXX credit card in the amount of XXXX I told them I knew of no such debt and to send me documents showing the debt. They told me to go to the courts for that information. I printed out the public records and found the case. The rendered a judgment against me in XX/XX/XXXX. It shows on XX/XX/XXXX that I was given a proof of summons. My complaint is that I have never been served in my entire life of anything and that I have received no information on this debt. This credit card hasnt been used since XX/XX/XXXX when I was married. My ex didnt pay this bill I am guessing and now Midland is coming after me. I know that this is n't a legal way to handle this and something should be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Avalanche Title and Escrow, LLC
State: TN

Complaint narrative:
In XXXX 2013 I sold my home in XXXX CO. Since that time HUD contacted me regarding a balance I owed to them for an additional debt. I have worked out an agreement with HUD and paying that debt. Now Avalanche Title has began contacting me repeatedly demanding that I pay this debt immediately and I have no means of do so. They have contacted me via phone and now have began emailing me at my place of employment demanding that I settle this debt with HUD. I have other financial obligations and this was proven to HUD and this why they agreeded to accept the payment arrangements. I feel that Avalanche and the realtor did not do their due diligence in obtaining this debt information from HUD and now they are placing the blame on me. During the time of the sale I was dealing with a XXXX parent and stated honestly and without reservation that I was not sure of any other debt and truly could not remember any addtional monies owed on the property. I do not want to face any type of judicial issues regarding this sell and would like for Avalanche title to stop harrassing me regarding my payment arrangement with HUD.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have been paying my payments on time and reporting that I was late a few time when I was n't really date only for 2 days. How am 30 days late. Please have them remove the late payment which is affecting my credit score and personal life. 





















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Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Recovery Solutions
State: TX

Complaint narrative:
They continue to call my work and leaving messages, they are calling family members and harassing they claim I put my work number and reference I do not have done any and the representative was very rude and was yelling at me over the phone and told she will continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH 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 non-monetary relief