vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Solidus Group LLC.
State: IN

Complaint narrative:
I called and an employee said it was a payday loan from XX/XX/XXXX. Then said a complaint was filed in XX/XX/XXXX ( I was overseas ). Then said there was no such thing as statute of limitations and threatened to take me to court. She never verified anything and was rude. She ended up hanging up on me. Not once did she say this was an attempt to collect a debt or that they were a collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: Consumer Defense Group, LLC
State: CA

Complaint narrative:
I was called by the telemarketer who had my name, address, and telephone number, and the last four digits of my XXXX XXXX number. The company is Consumer Defense Group in XXXX Florida. I asked how they acquired my personal information. They claimed that I had asked the company to help me reduce my credit card rates. I know this to be patently untrue. I am very careful with my credit, I pay all charges at the end of the month and carry no balance. I would have no reason to try to reduce my XXXX XXXX credit card rate, nor any other existing consumer credit rate. I asked the company to disclose who provided them with my contact information and account number. At first they tried to imply it was XXXX XXXX, when I challenged this, they said they did n't know. At this point XXXX XXXX, a manager, got on the phone and tried to assure me that everything was legal. I asked him why they would not provide the source of my personal information. He refused. He told me he had an A+ rating at the Better Business Bureau and that he was an up and up business. I challenge that assessment, as his telemarketing call was in violation of federal do not call laws and that his refusal to give me the information about his source of my private financial data was a great cause of concern to me. At this point, he said have a great day and hung up. The phone number they used to contact me is area code XXXX. While this company puts up the veneer of respectability, one has to be concerned that at some point they may be using private personal information unethically. I make this assertion on the basis that it appears they 're violating federal telemarketing laws, and they may be inappropriately receiving personal financial data. It is not a big logical leap to worry that their ethics may be compromised.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: DTA GROUP LLC
State: TX

Complaint narrative:
Parents and wife ( on her office phone ) received calls, from DTA Investigations, stating the I had lawsuit against me and needed to speak to me. I called them back and they informed me that I had a pending litigation against me from XX/XX/2008. I informed them that in the state of Texas I could not be sued after 4 years. They argued with me and accused me of lying about the medical bill, " So your saying on the record call you have never been to this location ''. I informed them I have never been treated at the facility in question. He again said this call is being record and repeated the statement above.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DYNAMIC RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
On XXXX XXXX Dynamic Recovery Services reported a debt that is over seven years old to XXXX. It is my understanding that after seven years a debt can not be reported to the credit bureaus. The statue of limitations for debt liability in Ohio is six years. I would like this removed from my credit reports immediately.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliance One, Inc.
State: MD

Complaint narrative:
This company is attempting to collect a debt that I do not owe and that I 've thoroughly disputed. In spite, these people continue to contact me to collect debt. They use automated dialers to call me at my place of employment, as well as on my personal cell phone, during my working hours. They 've gotten me in trouble at work ; as a result, I 'm concerned about my job status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 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: Phillips, Reinhard & Associates
State: OH

Complaint narrative:
There call my Mother in California.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am in desperate need of assistance I have being working with Wells Fargo. However they are refusing to settle with me, I was advised by Agent XXXX on XX/XX/XXXX from the recovery department if I find any mistake from Well Fargo they will settle with me. Therefore I submitted a letter requesting a settlement because in the Transaction statement history I was not given to proper credit towards my principle. To make matters worse in XX/XX/XXXX I made a payment to Wells Fargo for the amount of {$370.00} I was not given any credit to my principle this is clearly showing Wells Fargo was taking a bigger amount towards the interest only. I have a fix interest rate of 8.175 % and the monthly payments were for the amount of {$370.00}. The breakdown of the payments should of been how it shows in my mortgage statement which is Principal {$65.00} and Interest {$300.00}. brings a total of {$370.00}. However Wells Fargo did not give me credit for that payment and all the other payments were never broken down properly, Like I have mention I was advice trough a recorded call when I spoke with Agent XXXX if I find any mistakes they will settle with me. I do not have any additional funds to offer Wells Fargo. I was paying Wells Fargo for almost 6 years and with in those years after adding all for my history. Wells Fargo credit me {$2800.00} towards my principle and {$24000.00} towards interest. I am more than sure that Wells Fargo is practicing fraudulent and deceptive practices in order to prolong my loan. Please request a explanation from Wells Fargo. 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 explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I received a loan in about of {$1000.00} around XX/XX/XXXX. XXXX my first payment towards the end of the month for XXXX. And ever other month til now. I paid back the loan and than some. I paid to them over XXXX and my balance is still sitting at XXXX I 've called them and they basic said told me, that 's just the way it is. So I 'm going to be paying {$2000.00} and something for a {$1000.00} that makes no sense to at all. I feel like this company takes advantage of people. This company has put me in a deeper hole than I already was in. I 've been having to make {$300.00} payments each month..

Company response to consumer: Untimely response
Consumer complaint received 2016-08-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: VA

Complaint narrative:
I took out a loan with Mobile Loans, not realizing that I would be paying a XXXX interest rate every two weeks. I borrowed XXXX, and they are charging me {$200.00} every two weeks, plus XXXX interest every two weeks. I bring home XXXX per month from Social Security XXXX and can not afford to make a XXXX payment.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: TN

Complaint narrative:
I opened an account with Mobiloans on XXXX/XXXX/15. Since then I borrowed almost {$900.00}. By XX/XX/XXXX I had paid back over {$600.00} of the loan thru payments made to this account thru my bank account. At present after making these payments I still owe over {$900.00}. I had to go to my bank and put a stop payment, since the withdrawals were becoming not only more frequent, but also bigger each time. 

I had read something about this company before, but they seemed to be legitimate, but later found out what the complaint were about. 

I had made the loan because I was in between jobs to help me get thru to the next month, but the cost of pay8ing back the loan has made it almost impossible to do with the amount of money I make in my new job.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALCHRO INC.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested verification of the following account that Equifax continues to report on my credit file : US Bankruptcy-XXXX # XXXX. Equifax listed XXXX, XXXX, GA XXXX as the source of their verification on XXXX. On XXXX I directly called XXXX at XXXX, the number that is listed on my report. I spoke with XXXX and she informed me that as of XXXX a security freeze was placed on my account. I have attached a copy of my security freeze confirmation letter that I received from XXXX showing the date of the confirmation. XXXX confirmed that the freeze was set into place as of XXXX. XXXX stated there is NO inquiry from Equifax showing on my XXXX or mode of verification from XXXX to Equifax showing on my XXXX credit file. XXXX also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XXXX. I demand that this public record US Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date. XXXX agents assured me that Equifax 's so-called verification on XXXX WAS NOT REPORTED BY THEM BECAUSE XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All that has been sent is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : US Bankruptcy-XXXX # XXXX is permanently deleted from my credit file because XXXX DID NOT disclose information on accounts with a security freeze placed on them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hi, I purchased XXXX gift cards on eBay from seller : paypal digital gifts, XXXX cards ( {$25.00} and {$100.00} ) on XXXX/XXXX/16 and XXXX card for {$100.00} on XXXX/XXXX/16. I tried to use them 2 months ago and balance on all XXXX cards said XXXX. I contacted paypal, the rep told me it was confirmed I never activated the card and will investigate and get back to me. 2 months after I called and paypal said there 's nothing they can do and transferred me to ebay, ebay said there 's nothing they can do as too much time passed to open a claim, I tried to tell them I bought gift cards that do n't expire and did n't expect the balances to be 0 months later, they gave me the email to the seller instead. I emailed the seller ( both email accounts ) numerous time and did n't get any replies. I heard that paypal digital gifts by accident posted the gift card numbers on line, so everyone was able to use them before the actual buyers. I 've read that many have gotten refunds already and some are just given the runaround. I keep calling and emailing paypal and they just tell me there 's nothing they can do. I do n't want to be out {$220.00}, someone has to be responsible for this. Anything you can do to help would be greatly appreciated as I have exhausted all my options. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Solutions
State: OH

Complaint narrative:
Credit Solution Has called me 8 times since XX/XX/2017. I know they have called me many, many times before that. Even after I have told them that the person does not live here. I do n't owe anyone money. This is harassment and I want it stop by any means necessary.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
I never applied for this loan and they are insisting I pay it. They are threatening me with jail time. I once applied for payday loans 4 years ago and settled and paid all that I received. This ACE cash services is insisting I pay for something I do n't owe. They are threatening me with a lawsuit. I know nothing about this. They have all my personal information and I believe this is fraud. I have an email that they sent me. How do I get this email to you? 

Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: MO

Complaint narrative:
I called Discover to change which bank account my automatic payments came from. The customer service agent said that it was taken care of. The following month, Discover student loans withdrew {$530.00} out of my new account and applied it to someone else 's loan without my consent in addition to taking the normal payment out of the old account. They are now requesting documents to refund that money back to me even though it was admitted their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
Debt was included in bankruptcy and my wages are being garnished for it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I bought XXXX iphones using my discover credit card. They got stolen. I filed a claim with discover under their purchase protection that they offer with their card. Its been over 2 months and the claims have not been resolved. One of the phones I purchased was part of XXXX line upgarde plan for {$260.00}. Discover is not settling the claim because they insist that I buy a replacement phone. There is no way for me to go to XXXX and get another phone since I already got my upgraded phone. They are expecting my to go and spend {$700.00} on a new iphone for me to be able to claim the {$260.00}. I am already down {$950.00} and no phones and they are expecting me to go and spend more. Discover is just cheating me. I trusted them but turns out they should not be trusted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CONDOR CAPITAL CORP
State: TX

Complaint narrative:
I received a car loan through Condor Capital. I brought a used 2011 Ford Focus for a little more than XXXX, XXXX. Some how I got financed for a loan at 14.9 % which made the cost go up to over XXXX ( not sure how ) my loan was for 72 months which has me somehow paying over XXXX, XXXX for a used Ford Focus even after I put {$1500.00} down. I have been paying for the car since XXXX and still owe almost XXXX. I typically make payments of about {$400.00} a month and it never seems to touch my past due balance. My car note is only supposed to be about XXXX a month. Condor Capital had several complaints against their collections practices, however they gave me some type of bogus refund that was part of their settlement with the court and then absorbed it all back in fees that still left me with a past due balance. They are now XXXX and are harassing me everyday with phone calls regarding my past due balance even though I make my payments monthly. My car now has a bad transmission that will cost me over {$1500.00} to fix and I can not get a new car because I am still paying off this one. I signed my paperwork within seconds of deciding to buy the car and I did not realize that the {$9000.00} car I thought I was buying somehow turned into an {$18000.00} loan which has me paying off a {$27000.00} debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
Good afternoon, My name is XXXX im having various issues with my mortgage company " Freedom Mortgage '' this is the second issue with them I paid them {$1600.00} on XX/XX/2017 now their stating that they never received the payments I show them my bank statements and had my bank send over the proof the took the funds out my account..Now they keep calling me asking for the same paperwork they have in systems.. I 'm starting to think someone for the company has been stealing my payments so I call lose my house ... I 'm a fairly new homeowner it 's been a rough year dealing with Freedom mortgage ... They are creating a hardship for me and my family it 's been a long year now going back and forth with them about money ... Please please help 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 2016-04-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On  XXXX / XXXX /  XXXX   I received a call from  XXXX . I answered my cell phone and talked to a  XXXX   XXXX . He told me he was calling of an old payday loan that was sold to his company from  XXXX   XXXX . I asked him how much did I owe. He told me that I can go on 4 monthly payments of {$390.00} per month, 6 monthly payments of {$350.00}, or {$260.00} for 8 months. He also told me I have a balance of {$2100.00}. I called  XXXX   XXXX  they told me I borrowed {$1000.00}. I asked  XXXX   XXXX  if you can mail me verification of debt. His comment was that he does n't have to provide any verification of debt. I thought that was a federal law to provide verification of debt. I never received any notification from  XXXX   XXXX  that the loan was being sold to another company. I asked  XXXX   XXXX  which company he represents he told me  XXXX   XXXX  and then told me he represents  XXXX   XXXX   XXXX . I have no idea if this company is legit or they are trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
I have a payday loan with a company called Balance Credit. I took out a {$800.00} loan and have made payments of {$1900.00} and my balance has not decreased. They are still wanting an additional {$1900.00} in order to settle the balance. This should be illegal if it is not already so. This is usury lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.

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 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
My mortgage company allegedly paid my property tax payment but the XXXX XXXX XXXX N.H. said they did not receive it. The XXXX told me they would put a lien on my property if I did n't pay it immediately. I paid this out of my pocket and I am now out {$1300.00}.

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: Communication tactics — Threatened to take legal action
Company: Apex Resolution Group LLC
State: AZ

Complaint narrative:
I have been receiving robocalls from this company Apex Solutions. On Monday, XX/XX/2017, I received a voice mail from this company. It was a man 's voice and he stated ( I believe this was the middle of the conversation ), " full restitution. This will lead to your last known employer being contacted and will affect any current deposit accounts you may be using. '' The man then left a phone number and repeated it twice. I called the number on Wednesday, XX/XX/2017 and spoke to a lady that did not give me her name. I asked about the threatening voice mail and she said it is a prerecorded message. I asked her do they use this to call all people who have a debt? I told her it was a threatening voice mail and she hung up on me. The call back number is XXXX. They are collecting a debt for XXXX. I believe this debt may have been discharged in bankruptcy court. I have saved the voice mail and can email or text it. This company calls 2 or more times a day.

Company response to consumer: Closed with explanation