vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ROC Asset Solutions, LLC
State: WI

Complaint narrative:
My mother, ex wife and I have received repeated calls trying to collect a debt from my sister. We have all insisted they stop and they claim that it 's my sister 's fault they are calling and that we can be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Five Lakes Agency
State: WA

Complaint narrative:
We are working a short sale on this property. The 2nd lien with Five Lakes is not being cooperative. They are stating they wo n't move forward with the approval letter that we have from the 1st lien holder for a few reasons. 1st : They do n't think the file should be approved for HAFA because the HAFA program ended XX/XX/2016. But that means that the short sale just needed to be started by then, not approved by then. I have explained this to them and they wo n't listen. They do n't like the fact that the approval letter from the 1st lien does not state it is HAFA on it. But this is because the approval letter they are looking at is an extension to the orginal approval letter from the 1st lien. It does not have all the details on it and is just an extension. They wo n't merge the XXXX approvals together to get a valid approval. I ca n't make the 1st lien alter their approval template to say what Five Lakes wants it to say, just because they ca n't think out of the box. Five Lakes wants XXXX, the 1st lien, to issue an ARASS form before moving forward. The ARASS is not applicable and Five Lakes wo n't listen. They state that if the ARASS is not submitted, even though it is not needed, they wo n't move 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 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was informed that my business account at US Bank - XXXX - XXXX, OH XXXX was in the negative for - {$64.00} on XX/XX/2017. So on XX/XX/2017 I went into the branch bank and and deposited {$90.00} leaving my account in a positive {$26.00}. I then brought some groceries at the XXXX totaling {$16.00} leaving a positive deposit of {$10.00}. 
Later on that afternoon, I go on line and see that I received a {$36.00} overdraft fee making my account a negative - {$28.00}. Then one of the tellers from the US Bank branch office calls me to inform me that I am now a negative - {$28.00} and I will also get XXXX more {$36.00} overdraft fees totaling {$76.00} plus the negative - {$28.00} which comes to - {$100.00} for {$16.00} of groceries when I had a positive balance of {$26.00} to start with. 
I am filling this complaint against US Bank for unethical banking practices and fee gouging.

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 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have XXXX separate leases on XXXX vehicle all dated the same date ( XXXX/XXXX/XXXX ). ( Yellow Copy attached is my Copy ) and the only one with my signature but wrong months, which I file a complaint with GM about back in XXXX. Second is GM Financials ( their Contract XXXX pages attached ) provided to me on XXXX XXXX, XXXX with a Fraudulent Signature and multiple changes including a crossed out amounts, and several discrepancies including payoff is {$0.00}. Third is Dealership Copy of their Lease which is unsigned. I have notified the XXXX as well as the Attorney Generals Office and have enclosed all paperwork for your file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: High Point Asset Inc
State: CA

Complaint narrative:
the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number. 

THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Several items are not mine. Also their are several hepa violations. I never lived at some of the addresses and I 've never worked for a XXXX I 'm assuming it 's supposed to say XXXX .... which I 've also never worked at .... what a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ALCHRO INC.
State: FL

Complaint narrative:
I was NOT sued - it 's the closest radio button to what occurred. My FIRST notice of this outstanding debt was an Alert from XXXX credit monitoring on XX/XX/2016. I contacted the collection agency and spoke with XXXX XXXX for information. Turns out its a bill from a drs office - I never received the bill for XXXX b/c they were admittedly mailing it to an address in XXXX XXXX - instead of my City of residence in XXXX. I informed them that they needed to remove this since I never received proper notice. After speaking to the Drs office who was apologetic about the mistake and indicated the collections agency would correct and remove as a mistake. Today I see that they added it AGAIN as UNPAID debt. Meanwhile the outstanding amount was paid YESTERDAY after a discussion with the Drs office. It 's retaliation and harassment. XXXX XXXX was refusing to acknowledge that their reporting was in violation of the FCRA during our phone conversation and intentionally pushed through an " UNPAID '' report to XXXX after I paid. According to the Drs Office - they notified the collections agency to cease and CORRECT the report - Clearly it was pushed through incorrectly on XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pacific Collections
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) is violating the Fair Debt Collection Practices Act ( FDCPA ) by reporting collection account # XXXX without debt validation.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Citi Management Group, LLC
State: IL

Complaint narrative:
I was contacted concerning a payday loan debt. I informed the agency that I did not owe and produced a bank statement proving that I did not receive the funds. I asked that we take this to court. 
He threaten to have me fired. He then contacted my boss, the president of the college and reported this claim

Company response to consumer: Untimely response
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Insight Capital LLC (NV)
State: NV

Complaint narrative:
I received a call from a XXXX XXXX stating that I took out a payday loan in 2011 in the amount of {$840.00}. They wanted to know if I wanted to settle today for a lesser amount. I asked who the payday lender was and they said it was " Insight Capitol ''. I have NEVER applied for a payday loan with this company. I told them this and they said if I wanted to dispute the case, I could but I would be " buried '' in legal fees. I told them that I am definitely disputing it, and then she hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 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: ERC
State: TX

Complaint narrative:
I received a letter from ENHANCED RECOVERY COMPANY in XX/XX/2017 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. They never responded. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the account listed within 15 days of receipt of this then you must remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
This complaint is more of a good faith issue to remove harmful derogatory from my credit file. I have repeatedly as the collection agency to remove the harmful because the debt has been paid. I then called them and asked for the removal. The company was so negative and refused to help. This would help with the purchase of a new home if this collection agency can be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 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: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
This company mailed me charges from another company who claims I owe an alleged debt that I do not. I do not have a contract or any legal binding documents with this company in which I asked for and they have not provided. I am not paying for something I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Underwood Law Firm, LLC
State: NM

Complaint narrative:
I bought a vehicle in 2012 and that vehicle was given back and repossessed due to failure of the motor. I only had that vehicle for four weeks. The company took it back and now I just found out they are garnishing my wages without notice of lawsuit or any communication. They want to charge me {$21000.00} for a vehicle that is not in my possession! This happened in 2012 and just now they are taking my wages without any notice at all!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
I have contacted Navient trying to lower my payment for my student XXXX student loans. I have suggested a payment of XXXX dollar monthly because at this time that is all I can afford. Navient then proceeded to tell me that they declined the request because not only do they not accept international schooling but they also wo n't because I have run short of deferment time. I am really trying to settle this loan because I am about to graduate in a year. They then proceeded to threaten me with sending my account to collection as well as sueing my grandmothers and putting a lien on their homes. I feel that the way that they are responding to me and not willing to assist me is byfar not the proper business ethic and value that American business culture embodies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I saw on my credit report I had XXXX collection accounts. I called the Collection company to pay and they refused to allow me stating I didnt have the full account number. Due to me not having the full account number to pay, they stated they had every right to ruin my credit. This is extremely unfair as I am willing to pay and they will not allow me. 
I explained I never even received a bill, nor do I see it on my insurance information and they refuse to send me another bill thus making it more impossible to pay the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Unified Global Group
State: MI

Complaint narrative:
All of them best describe this company. Unified Global Group XXXX XXXX. XXXX woman by the name of XXXX and XXXX use threats and insults instead of verifying they are representing a legitimate business. I asked for things in writing they said '' pay your bills. You know what this is. " They never correctly could identify the original creditor. States I owed XXXX XXXX. and thats all the information they could give me. I never opened a credit card with this company and tried to contact this company to find out they bellied up due to fraud and lawsuits. I asked on first call from them to send something in writing and who and where they were calling from. They would not reveal any information on anything but contentiously say I need to pay my bills. When i ask for specific information on them they repeatedly hang up in my face. Minutes later an automated call back to my phone. I asked them to stop calling its harassment and they say we will keep calling you till you pay your bills. I own a business and one of the woman ( XXXX ) stated " do n't you own a business you cant pay your bills '' as if she looked me up.Calling my sister threatening that if they do n't get in touch with me they will continue to call her. Making statement about legal documents over the phone. Asking for personal information but not revealing the city and state they are calling from. calling from a local number which leads to an XXXX number. Throwiing slander " are u calling off your obama phone '' you cant pay our bills. we can talk when you will pay this bill '' Automated phone calls back to back at my employment and cell phone.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: ND

Complaint narrative:
In XX/XX/XXXX I attended the university XXXX school on line. However to do the classes I had to get a student loan, which at that time I got approved for. Having said that I was approved for an amount that should pay for the entire cost, but it turns out not to be the case. XXXX more classes to finish the entire cost I was told that I do n't have anymore money so I will have to pay out of my pocket if I want to do the last XXXX classes. Something did n't feel right so I never get to finish my degree up to this day. Then one day I heard the school is under investigation, and the following day I had some one called offering me a student loan forgiveness and I will not have to pay back the loan. I did n't take the deal because I knew nothing about it or if it was a scam just so they could get my information. I was never able to make the high monthly payments they were asking for so they ended up putting me on forbearance. We are in XX/XX/XXXX and up to now each year I have to be on forbearance, because I ca n't afford the payment. I even filed for bankruptcy hoping that they will remove it, since they are under investigation but they did not an the total just keeps getting higher and higher with interest accumulated. This is now on my credit report causing lots of damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TSG Collections, LLC
State: CA

Complaint narrative:
I have been sent to collections over a 4 year old anesthesiologist 's invoice ( Today is the 4-year anniversary of my XXXX ) that I knew nothing about until I received 1 invoice last XXXX XXXX. I promptly called them but never received a call back or received any more communication ( notes attached ) ; now I just received a collection notice on XXXX/XXXX/XXXX almost 4 years to the day! The original invoice was for anesthesia during my 41 MINUTE colonoscopy. my insurance paid {$2100.00} + {$150.00} for XXXX. My son 's anesthesiologist bill for his 4 HOUR XXXX was less than this. This ca n't be legal to bill ONCE so LATE, not return calls, then collections. ( and overcharging to say the least ). I finally got them to answer the other day after 5 calls and they said it was out of their control. I called the XXXX XXXX XXXX where the procedure was done, and they said they have many other people who have called them and told them that XXXX/Dr. XXXX did the same to them! This can not be legal and it is not the correct way to communicate with customers or do business! ( XXXX/Dr XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Acct # XXXX, ( XXXX ) XXXX. Date of Service XXXX/XXXX/XXXX. TSG Collections XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We have been long-time customers of Chase Bank in XXXX, CA, who holds our mortgage, checking, savings, safety deposit accounts. We are even rated as a " Chase XXXX ''. For the last 7 years, we have been denied to refinance our property because they said we are not eligible because we did not live in our house. Not sure why this is a reason since it is our residence and we pay property taxes on it. So we have been paying a high mortgage rate of 6.35 %. Nevertheless, when we move back to XXXX in XX/XX/2016, we immediately went to Chase to refinance ( XXXX, mortgage broker ). They said it would take no more than 90 days and lock us in at a rate of 3.25 %. We provided an excessive about of financial and tax information and we are now going on over 8 months that the refinancing has NOT been approved. By the way, we have enough money in the bank to pay off the loan so the excessive requests about our personal finances seems unnecessary. We feel the bank does not want to refinance us since they would loss money. We believe this is unethical and unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I submitted an income-based repayment plan application in a timely manner in XX/XX/2016. 
Nelnet student loan servicing has mishandled my account over 8 times. 
I have been contacting them about their erroneous charges ( I am a XXXX veteran with XXXX dependent ) since XX/XX/2016. They insist that I owe them {$400.00} ... or {$10.00} ... or XXXX . They offer no logical reason for their continued mistakes and legal chicanery. 
I have been wrongly steered into Forbearance on Multiple Occasions. 
they ca n't seem to Understand that I pay {$0.00} as I have been for the past 3 years. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NPS GROUP
State: KS

Complaint narrative:
XXXX with the NP Group XXXX called me about a online loan that he was trying to collect on. He had my social security number and the last XXXX of my checking with an address I lived at from late XXXX until XXXX XXXX. He said the original amount was XXXX but with the fees and interest it was at XXXX now. He said I could pay XXXX to satisfy this debt. I asked for the name of the company the debt came from. He told me XXXX XXXX XXXX. I asked him for their contact info at XXXX XXXX XXXX and he told me that he did not have that. I do n't believe this is a real debt and suspect it it is a scam.

Company response to consumer: Untimely response