vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have been making installment payments on a charged off credit card for several years to a company called Hunt and Henriquez. I have requested several times to get original information about the debt which was XXXX XXXX, and I have also requested a break down of the original debt vs payments made, etc., and finally I have made several attempts to settle the balance and the company is uncooperative and does not give me any proof of balance or credits. My bank statements show the payments, but it seems like I have paid over the original card balance by this point. they also do not return phone calls. their representative XXXX only discusses my file if I call there and get ahold of her, she never calls me back. Which I have phone records to prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I submitted a complaint to you all back in XXXX of 2015 n regards to myself and Mariner Finance please use my previous information to locate that complaint as it is vital to the complaint I making today- Mariner Finance hired a company by the name of XXXX XXXX . XXXX XXXX hired an employee by the name of XXXX XXXX. XXXX was hired to have me served in order to have a judgment by the court of law placed on me for the remaining balance of the car they sold after repossessing the car from me in XXXX of 2015. The cause of this repossession was not at all my fault I purchased a money order in the amount of {$430.00} on XXXX,2015. Mariner swore they never received the payment. I went as far as tracking the money order complaining to the post office raising XXXX, faxing proof to Mariner. On XXXX XXXX I received a call from " XXXX '' from Mariner Finance very rudely asking me what my intentions are? I begged his pardon and asked what are you talking about. He said to me a payment posted to my account XXXX XXXX for {$430.00}. I laughed so hard and said I have not sent you all a dime since you took my car that was the payment that you all claimed you never got. Just as I thought my payment set on someone 's desk the entire summer. It was probably mishandled for the week it came in was XXXX of XXXX. As you can see there are several issues here and this has caused a great deal of stress. For additional info please see previous complaint made back in XXXX. However this time we are dealing with Fraud!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection

Company response to consumer: Closed
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I received this call on XXXX/XXXX/16. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. I was told to call XXXX, which is strange because my caller ID displayed the number XXXX. This leads me to believe that this is a spoofed number. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BOGMAN, INC
State: MA

Complaint narrative:
We paid off our mortgage XXXX 2015 and have yet to have the mortgage discharged. 
The company Bogman Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX or Toll Free : XXXX Fax Lines : XXXX ; XXXX Bogman has failed to find the paperwork. Bogman has accepted and cashed our check and still failed to discharge our mortgage, they claim they can not get in to the software because of a lost password. In contacting the Commonwealth of XXXX, Division of Banks, Bogman Inc has failed to be licenced in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Risecredit, LLC
State: AL

Complaint narrative:
Upon checking my credit report, I noticed an account by the name of rise reporting to XXXX concerning me. I called and spoke with a XXXX agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to XXXX XXXX and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I am receiving a generic phone call from a computer telling me to call them back. When I researched the company, they are not a legit company, they are fishing for information. I do not own any debt with them. The phone number is XXXX The company is called Dynamic Recovery Solutions. I knew not to call them back, since it was a computer. I am on the do not call list. Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX XXXX & I have received numerous of calls from ( Mercantile Adjustment Bureau ). I requested for them to cease & desist all calls to my personal cell # ( XXXX ) XXXX. By the FDCPA a request of no calls on a cell phone is either verbal or written. I verbally made it very clear never ever to call my cell phone # ( XXXX ) XXXX 3 months ago. As of today XXXX/XXXX/2016 at exactly at XXXX I received another call from ( Mercantile Adjustment Bureau ) at XXXX. As I made it clear & stated again never ever to call my cell do to my minutes & a inconvenience to me & my time & they persist to keep calling my cell. I am very furious & presenting a complaint & would like to proceed the extent of a Law Suite on the company. Please provide me with this assistance? I have proof of call log on my cell phone time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Two weeks ago my accounts with Coinbase were locked for some unknown reason. Since then I have attempted to reset my password to access my account and have been unable to do so because Coinbase does not recognize my IP address and after contacting their customer support I have received no response except for an initial email telling me to reset my password, which I can not do as stated above. Coinbase now has blocked my accounts and stopped communicating with me. They are holding approximately $ 16K of my money in Bitcoins.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Dynamic Recovery Solutions, LLC
State: MN

Complaint narrative:
Dynamic Recovery Solutions has called my employer multiple times, even after being told to not call again. First call was about 3-4 months ago, and again today XXXX/XXXX/2015. Phone number of XXXX was left. I have checked my credit report and there is nothing on there that is unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC
State: MO

Complaint narrative:
Received telephone calls from Dynamic Recovery Solutions ( Dynamic ) alleging XXXX very old debts are owed, and it is attempting to collect payment. It is alleged I obtained XXXX XXXX from/amount/date:1. XXXX, {$160.00}, XX/XX/XXXX ; 2. XXXX XXXX XXXX XXXX XXXX, {$320.00}, XX/XX/XXXX ; XXXX. XXXX, {$290.00}, XX/XX/XXXX. 

I advised XXXX XXXX from Dynamic that I do not recall receiving verification of any of these very old alleged debts. Obviously nothing within the statute of limitations. She advised that the statute of limitations means nothing and they can still attempt to collect a debt. The calls are harassing, especially since the statute would have expired,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: SC

Complaint narrative:
This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XX/XX/XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I have taken out a loan with Rise and tried on multiple occasions to pay extra towards the principal and each time they apply the extra monies incorrectly so that the principal amount does not go down and this allows them to charge additional interest I have made multiple phone calls to them and get nowhere the original amount of the loan was XXXX I have paid over XXXX todate and they say my payoff is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
that debt is not mine I have never owned a general electric credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
I received a voicemail from a private number XXXX/XXXX/16 at XXXX. 
She identified herself as XXXX XXXX and stated that she had some certified documents for me that were going to be delivered this Wednesday XXXX/XXXX/2016 between the hours of XXXX and XXXX to my residence. She left me a phone number of XXXX and gave me a claim number of XXXX and said I could contact them if I needed a change in time of delivery or had any questions. 
I called the number and gave the gentleman that answered the claim number he said that he would get the paperwork from the attorneys and he refused to release the name of his company but told me this was due to a Verve mastercard I had obtained from Continental Finance quite some time ago. He said that he did n't know how or why it would make it this far but I could pay him {$630.00} and it would be over, or else I would be delivered the papers on Wednesday. I said that I would take the papers and have been considering a bankruptcy case. He asked for the lawyer that I had seen and I told him, he then asked for the phone number and I went to get the number and he hung up on me. 
I then called the XXXX County District Courthouse and asked if any lawsuit had been filed against me, ( which would be why I was having certified documents delivered to myself ) and the nice lady there informed me that no, nothing has been filed against me. 
I believe that this is an illegal debt recovery practice and this scam company should be contacted and held accountable for its actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
I have sent numerous comoldings on Love Beal and Nixon. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from XXXX XXXX XXXX and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. 

They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. 

It 's not fair that I 'm being held captive for something that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oracle Financial Group LLC.
State: NE

Complaint narrative:
Multiple harassing calls from OFG LLC ( XXXX ) asking for XXXX XXXX. XXXX is my wife 's ex-husband 's wife. My wife and ex-husband have been divorced for 20+ years. I 've asked them to stop calling, I 've attempted to explain that XXXX has n't ever lived at my place or had my phone number, but nothing seems to help. I 've told them multiple times that future calls will be considered harassment, but they continue to call, asking me to leave a message for XXXX or to put XXXX on the line. Representatives are rude and belligerent, making crude remarks and cursing at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
I had stopped paying my credit cards because we were close to losing our home. We were given a loan modification and I contacted the company Gurstel Chargo in XXXX XXXX XXXX I and XXXX bank file # XXXX. I explained that I am paying XXXX mortgages right now and can afford {$50.00} a month until we have more money available to pay this was on XXXX. I spoke to XXXX XXXX. He was very rude. He asked me for my work phone number. i told him was not supplying my work phone number he said do n't interupt me when I am speaking was very harsh. I ended the call after saying I am going now. I sent a few emails to the company with my budget telling them I can afford {$50.00} a month just trying to pay my debt. I was served with no further communication from them on XXXX. When you are down on your luck with XXXX kids and try to make things right and call in treated very rudely and then served on top of it. I just want to pay my debt paying as much as I can afford at this time without being harrased. It shouldnt be that hard to communicate with a company to try to pay your debt especially when you make the call to them wanting to work it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I received a notice of debt from the Fair Collections & Outsourcing of XXXX XXXX in XX/XX/XXXX by a phone call, which I clearly stated that was n't mine and was a result of identity theft. I demanded all pertinent documents used by the thief and they took over XXXX to provide. The thief used my maiden name and an unknown XXXX drivers license number to rent an apartment. In the application, the thief provided signatures that do not match to each other, and you can tell that the creditor did not do their due diligence to verify their identity as they failed in a few obvious areas : verify their previous residence and workplace, check their signature, and verify validity of their drivers license. 
After I sent in the affidavit and proof of my identity that included our lease agreement at our current address, utility bill, my husband 's XXXX military XXXX to XXXX XXXX XXXX, and copy of my paystubs, they proceeded with reporting this debt to the credit bureau XXXX days later. I will be sending another letter tomorrow ( enclosed with this complaint ) to demand that they stop all collection proceedings against me as I have provided everything they need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I have been a member of Continental Finance gold master card for many years. I have experienced fraudgelant activity as well as other issues. Since I have cancelled my card and asked to pay off the balance back in XXXX 2015, I have not been able to pay my bill off nor even talk to anyone to get satisfaction. I keep being told that to pay my bill online they have recently updated there website and that the wait time will be 20 to 30 minutes, which I wait and wait and wait. For one month now I still can get no answer to get online to pay this card. Please help me nail these people for all off the lying and fraud. I get phone calls from them and also have been called at work. Why?? I have no idea. I am not late and I have cancelled the card only remaning unable to pay it off me wish it farewell. 
off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have contacted LVNV FUNDING , LLC for the past 6 months as it relates to an account they are alleging I owe and have placed on my credit without first validating to see if the account actually belongs to me. It does n't!!! 
They continue to ignore the notices that I have sent them but apparently they are advising the credit bureaus that the account belongs to me. 
Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Is the second time in 5 years that I received a collection letter from a collection company which is trying to collect money for XXXX company that I never had any business with them. 
I call them to dispute it and they said I had to fax my claim. I tried to fax it 3 times and their fax is n't working. 

I will include their original letter and the answer I tried to fax for. them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I was offered a credit card pre approved. them I filled it out. When I received card XXXX dollars was due. Once the first year ends it is 10 a month. I never activated card, when I received a call from the company. They told me they would cancel card and refund the XXXX. 4 months later and account is open, never have I charged on card. Charging 25 % of limit was not on the application. Otherwise I would not have applied.

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