vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I have an installment loan with Cash Central. It was advertised to be like a payday loan with no credit check. I was in a financial bind and made a horrendous decision taking this loan. I am now in the trap of high interest and long term repayment. I am going to do my best to get this paid off in the next 90 days. 

My complaint is I was assured that as long as I was in good standing on repayment that it would n't be reported to the credit bureaus. Well, it has been. Now it shows as a debt and impacts my DTI due to the high payment. I am sickened by this. 

Do I have any recourse? They have me in a trap with the high payments & interest rate and are now destroying my credit rating all because I bought into their predatory advertising. I am so upset & dismayed with what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
The company is Cash Central online. When I took out the loan the payments were scheduled for XX/XX/XXXX/XX/XX/XXXX but they started taking my monies out before the scheduled date. Yes, it caused me to bounce several times, and I am sick of the harassing calls at work. I emailed and told them numerous of times to please stop calling me at work and they refuse. I would like for this company to leave me alone b/c I am paying them but I told them I will stop paying them due to the fact they are so nasty, and they hate to answer your questions always talking about send an email. I would like to know what can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Skrill USA, Inc.
State: NJ

Complaint narrative:
An unauthorized transaction was made using my debit card from Skrill in the amount of {$73.00} on XXXX/XXXX/2016. 
The transaction line from my bank statement looks like this : XXXX * NY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services
State: DE

Complaint narrative:
Recently I had my credit checked out to see if I was eligible for a car loan to my surprise I came to find out i have XXXX outstanding medical bills this being one, they do not belong to me since I was never notified the existence of such bills. As you know these bills affect my credit score and my chance of moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
case # XXXX / Bayview loan forclosed without hearing/sold my property without hearing and today changed the locks, I can not get anything to include my vehicles they did it WITHOUT HEARING thanks to corrupt layers and judges XXXX county XXXX XXXX of a way to treat a XXXX vet but then again you do n't give a XXXXCASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Lender sent me a letter Demanding payment in full. They assume I 've been avoiding them and I have n't because they never contacted me to setup a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
This number called me and when I returned the call, the male who answered the phone did n't state his name or the company he was calling about. The company actually left a message about them being a student loan forgiveness company and I called back to take my number off that list. Weird. He just said hello like it was his personal cell phone, then start asking for my social and birthdate, rightly so I would n't give it. I told him that 's not how you call about a debt. You have to give the statement about this is an attempt to collect a debt, he told me he does n't have to say that. I told him I was giving out my info over the phone and to send me verification of the debt. He told me, he does n't have to do that and hung up. I called back and then got XXXX, who finally told me this was Pheonix Financial and I informed her, you would writing up this report. She put me on hold for some other lady, who got upset with me for asking her to hold on for a minute, she told me she has other calls to take care of right now. Then after that hold for approximately 2 minutes and some seconds. I asked her to hold please, she had no minutes for me. Told me if was a business and I was holding her up, then hung up on me. I then called back a third time and told my name to XXXX, that I would recording the call myself this time. I gave my name and said I would like the verification of debt within 30 days in writing to the address they have on file. She told hold on, they like to put you on hold but not hold for a minute for you, transferred me to XXXX again, who said I would get the bill in writing finally and I wanted to her to state the company 's name, because through the whole phone call it was n't stated not even once. She then got angry and very upset and said before she hung up on me, she did n't give me permission to record the call. This was 19 minutes of my day. When called another company about another debt, the same day, it took me all of 5 minutes, no hang ups, no angry, and they did n't need me to tell them any info, they just verified it was me and they are sending something in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
I have a monthly billing statment that shows a total amount due that is grossly inconsistent with the actual amount that is owed. As of statemenet date XX/XX/2017 I do owe {$970.00} per their own statement. sAME stament says i owe {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
I have an adjustable rate mortgage loan that has a very high rate of 9.45 % with very little going towards the principle. It also has a balloon payment of {$440000.00} due on XXXX XXXX, XXXX. In XXXX my loan amount was {$620000.00}. Today my loan amount is {$600000.00}. 
Over the last 10 years I have paid over {$500000.00} in payments with little reduction in the principle. I did not receive an amortization schedule and have not been able to get one from my mortgage servicer. I have complained many times to the mortgage company and my loan is either sold or the loan gets transferred to a new servicer. I have recently had a significant drop in income and could not make the payment. I have requested a loan modification under the HAMP program which was submitted in XXXX of XXXX. I am sure this would qualify as a predatory loan because of the high rate, non amortizing and excessive balloon payment. My monthly payment is {$5700.00}, of which {$4700.00} goes toward interest and only {$280.00} for principle. 
This is a loan that would not be made today. It only benefits the investors and makes it impossible for the borrower to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
I have never had a mortgage with Bayview Financial. 
I have disputed this item numerous times. They said they my mortgage, however, I have n't ever had a mortgage with this company. I 've asked for documents bearing my signature. 
However, nothing has been provided to me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Lender sold my account to another company called XXXX XXXX XXXX at XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Bayview has made 2 errors in processing our mortgage payments. We have made our mortgage payments before the due dates in order to avoid issues with Bayview. In the last 2 months they have bounced backed our payments XXXX for not being able to obtain the funds. Keep in mind our routing and checking numbers have not changed and the funds are still sitting in the bank. We called Bayview to make the payment over the phone and was told they can not process our payment due to a bounce back. There explanation is that an error could have ben made from the mortgage holder or there 3rd party system when processing payment. Again please keep in mind that we have made payments successfully for months with no issues, but they seem to get a system glitch and wont help us figure out why. Lasty I have read BBB complaints for this company and have found that this is a very common issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
Debt is form unpaid from an auto mobile accident in XXXX XXXX 2014 and the insurance is will pay but needs itemized bill and will not send them a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: Stephens and Michaels Associates, Inc.
State: CA

Complaint narrative:
Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show a past due amount minus the amount I paid. This is unacceptable. I would not have paid a dime unless the item was going to be fully removed. 

I have filed a complaint with my credit card company as well. The call was recorded and I am very clear on what I agreed to with the company. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Investment Retrievers, Inc.
State: MD

Complaint narrative:
my car was repossessed while i was in forbearance with XXXX. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XXXX ( XXXX payments left ). i lost my job while pregnant and notified XXXX immediately. no repossession fees and interest fees from 2013 have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
I applied for a XXXX XXXX XXXX Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was in a motorcycle accident and could n't work. I could not afford to make payments. XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. McCullough, Payne & Haan, LLC is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Corporation of America
State: FL

Complaint narrative:
Robocall from XXXX asking for payment of medical bill for my deceased mother-in-law that has been paid to XXXX XXXX Hospital, XXXX, Fl.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
I purchase 2012 Honda Civic from XXXX located at XXXX Mo. XXXX. The finance man XXXX got the worse financing at 28 per cent from American Credit Acceptance XXXX, SC XXXX. XXXX got financing with a credit score of XXXX my credit score is XXXX for XXXX. 
The car was financed at {$7100.00} at {$250.00} for 48 months for total payment of {$12000.00} with my Down Payment of {$2000.00} for the Total Price of the Car {$14000.00}. 
I feel XXXX from XXXX got to be the worse finance man in use car history because I know of no one who has 28 % interest on a car loan. 
I want an investigation into XXXX and American Credit Acceptance. Also XXXX advertised the 2012 Honda Civic for {$7900.00} but in small print that was the price if you paid in cash that was pointed out to me by XXXX the finance man after I informed him they over charged me {$1000.00} for the vehicle. XXXX stated because of my poor credit score the price would be {$8900.00}. 
I want an investigation into XXXX and American Credit Acceptance. 
Waiting to hear from you. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian Credit Bureau has been contacted via email disputes, written and certified receipt to correct specific data reporting inaccurately on my clients personal credit report. The lending agency has verified directly with us that the account is CURRENT and PAID AS AGREED and CLOSED. See attachment. 
EXPERIAN has confirmed the data was finally updated and corrected on my clients credit report as of XX/XX/XXXX. See Attachment. 
As of XX/XX/XXXX XXXX denied credit based on EXPERIANS credit report pulled today and several other creditors over past 60 days. Accurate and current credit reports are not being provided to the lenders. Conflicting Credit Reports are being provided to the Consumer that do not match the data being reported to the lender. In this case, one of the lender 's is XXXX XXXX ID App XXXX. 
The Credit Score I received today for Experian is XXXX ; XXXX XXXX ; XXXX XXXX. The Creditor 's Scores are substantially less and not the same credit file. ( see attached scores ) The willfully negligent information provided by EXPERIAN is in violation of the FAIR CREDIT REPORTING ACT and punishable by fines and punitive damages to my client. We expect inaccurate information highlighted on the attach Credit Report to be provided to all Lenders Credit Report 's pulled within the last 30 days. Specifically we demand XXXX XXXX be provided a current and accurate report no later than three business days in order to prevent additional punitive damages to be filled with a law site with The KY STATE ATTTORNEY OFFICE. 
our file. See XXXX Credit decline letters attached and the incorrect Credit Report pulled by the lender ( XXXX XXXX ). 
Either the Credit Bureaus are reporting incorrect reports to Creditors or the Creditors are pulling incorrect reports. This negligence is NOT LAWFUL and will not be tolerated by consumers. Credit REPORTING Agency need to be held accountable for their negligent actions and willful misconduct towards the Fair Credit Reporting Act.

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 2016-11-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I do not owe this debt I paid the doctor office, and I told the company that called me the first of XXXX that I do not owe this doctor and not to call me again. The doctor office and me was in disput on the amount owe and was waiting on the insurance company to say what the amount was. Also, the doctor office billed the wrong insurance company when they had the correct information. I paid them on XXXX/XXXX/16 reciept number XXXX. I want this taken off my credit report.

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
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCullough Payne & Haan, LLC
State: AL

Complaint narrative:
XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: EDvantage LLC
State: FL

Complaint narrative:
I started an XXXX degree at XXXX XXXX College was advised tuition would be XXXX well XXXX were covered by federal student loans. Then they proceeded with stating i can pay XXXX cash up front or i can take out a personal loan through them. Well i started school in XXXX 2015 got the personal loan ( so they claimed ) through tuition options well little did they explain or let me know this company was an accounting type service for the college and that they would be receiving all payments made to this company. My payments during school was {$200.00} a month. Well 5 months in XXXX XXXX 2015 we as students received an EMAIL from the school 's CEO stating the school would close it 's doors as of that day with no notice or warning at all. I paid them {$1000.00} since i started school out of pocket. I have not completed my education as i was promised when i signed up with the school. This company has failed their contract between the students and them. We do n't know if we can get a loan forgiveness or if our credits will even transfer to other schools. When contacting tuition options they do not have answers for students.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
I received a letter dated XXXX/XXXX/2017 alleging I owe XXXX XXXX XXXX XXXX XXXX on XXXX different accounts. I do owe them for XXXX emergency room visit, which I am making agreed upon payments which their letter had the incorrect balance. I have no knowledge of what this Collection Agency is talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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: NorthStar Technologies
State: TX

Complaint narrative:
I was sent by my company XXXX XXXX XXXX out of XXXX, Oklahoma to be fitted for prescription safety glasses. The exam, and glasses were to be paid by the company as they had an account with the provider. All employees were allowed XXXX pair a year. After about XXXX weeks the company shut down that yard, and I 'm assuming did n't pay the bill. They are now contacting me and placing derogatory remarks on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation