vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-28 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC
State: TX

Complaint narrative:
Company claiming to get my student loans reduced through presidential grants. From {$57.00} to only {$6.00} over 248 months. They collect a fee of {$600.00} for their service included in the 248 months payment. They ask for no money up front, but asked for my debit card #, mine and my husbands SS # 's, and DL # 'S. I have continued to contact them for more information and never seem to get a hold of XXXX XXXX ( XXXX ). 
As XXXX XXXX suggested, I contacted XXXX, whom my loans are through, to have loans put on hold. This is because the total amount of {$57.00} was to be paid off in XX/XX/XXXX. XXXX informed me that there is no such thing and expressed to file a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 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: Innovative Collections, LLC
State: CA

Complaint narrative:
Dear Sir or Madam, I am a XXXX person. In XXXX while visiting XXXX, I was erroneously given a parking ticket for parking in a XXXX space. I immediately responded in XXXX while in XXXX to the ticket with correspondence that clearly identified XXXX and date of XXXX. The correspondence included enclosures : copies of my XXXX driver 's license, XXXX placard and XXXX vehicle records. I clearly requested that the ticket was clearly an error and should be cancelled and to contact me if additional information was required to contest the ticket. In XXXX, I moved to XXXX, but I did not receive a response until recently. As a result, I considered the matter closed. However, I received a letter from Innovative Collection Services on XXXX XXXX, XXXX, informing that I had a parking ticket that was in collections. In response, I wrote another letter with the same information as before that requested the claim be cancelled. They responded with a letter that the full fined was unable to be contested since the date exceeded the 14 day limit and that the debt would be reported to the credit bureaus if not paid in full by XXXX XXXX, XXXX. I am now formally requesting a complaint be filed against this debt collector for not recognizing my XXXX and cancelling the fine of {$460.00}. I have not contacted any lawyer and do not intend to pay this illegitimate bill. I would like any assistance or recommendations for resolving this dispute. The following information was included on the bill from Innovative Collection Service. 
Issuance Date:XX/XX/XXXX Account Number : XXXX XXXX Total Due : {$460.00} Thank you XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-02-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Primary Financial Services L.L.C.
State: PR

Complaint narrative:
I started repaying my loan with the third party and at a point I talked to them because could n't keep making the full monthly payments of XXXX, to which they offered me to make payments of XXXX for a few months and accepted the offer. they sent me the receipts of debit for the amount of XXXX twice and then contacted me and told me that it was wrong and they could n't do that that if I did n't make the full payment at that time I would loose everything and would have to start over. I explained they made an agreement and that they would have to keep it because I already payed {$4200.00} to a settlement offer of {$7600.00}. Under UDAP, they deceived with information given and then I heard nothing from them and was contacted by another 3rd party to start repaying the whole amount and that I lost all the money I had already paid.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are fraudulent inquiries which appear on my credit report, do not relate to any transaction ( s ) that I have made

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Federal Pacific Credit Company, LLC
State: IL

Complaint narrative:
Constant calls..Threats of apprehension..Calling relatives..Discussing details..Trying to get personal info..

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: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
I do not have a contract with Diversified Consultants. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. They are reporting on all XXXX of my credit reports and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Midpoint Law Group, P.C
State: NC

Complaint narrative:
I was told I could get a mortgage modification named Mid Point Law in XXXX XXXX California. They took {$4000.00} of my money upfront as a " retainer ''. I 've found out that this is illegal because of state statute SB94. They 've closed their doors and I can not contact them any longer.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have not ever received any communication from this collection company. It just was placed on my credit report. I have no idea who they are. I have never had any dealings with them at all. I do now owe this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: CLX Systems/ Westwood Management
State: NY

Complaint narrative:
I am being continually harassed by CLX Systems/Westwood Management , Inc. They call my house and my cell phone multiple times, sometimes many times in the same day. Now they are harassing me at work. Now, they are faxing and calling my office to in an effort to embarrass me. 

It is on going and relentless. I would like it to stop. 

If you would be so kind to help stop CLX Systems/Westwood Management, Inc from continually harassing me I would greatly appreciate it. 

Thanks you

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Disputed this and the credit reporting company told me to call portfolio recovery i did and they told me to call the credit bureaus. Portfolio agreed to remove the item off my credit report but it is still there and they will not do anything after I 've called multiple times. I only have the {$0.00} balance and closed letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt is paid in full for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full. Please look into this matter it is affecting my credit score and my personal and business life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I opened HSBC choice checking account during XX/XX/XXXX via promotion code which says that I will get {$350.00} if I : " Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' On XX/XX/XXXX - I was told via the secure message center email that I have fulfilled all the conditions and within 8 weeks I will be getting {$350.00} cash bonus. I am maintaining required {$1500.00} balance also so I am very much eligible for this {$350.00} bonus. During end of XX/XX/XXXX - I reached out to them once again in terms of when i am getting {$350.00}. I got a response on XX/XX/XXXX that I wo n't be getting {$350.00}. So they are contradicting their own statements. HSBC has troubled me at the time of opening this account also and I need to reach out to CFPB regarding that. Once again they are trying to deprive my well earned cash bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC.
State: LA

Complaint narrative:
A company called CSS contacted my mother concerning a debt she did n't owe. We asked them for their address so we could send them a declaration of debt but they would n't give us their address.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC.
State: NY

Complaint narrative:
I get repeated calls threatening to be arrested at my home or place of business.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I took out a loan with XXXX now known as One Main Financial. I fell behind back in XX/XX/XXXX and was offered a settlement amount in XX/XX/XXXX. The settlement offer stated if I paid {$3400.00} by XX/XX/XXXX that One Main Financial would report the account at a {$0.00} balance and settled. I have kept a copy of the cashiers check and letter. To date XX/XX/XXXX my credit report still does not reflect the change. I have disputed it numerous times and contacted One Main Financial directly numerous times only to be given the run around. I was recently denied credit because of this account. I do not know what to do at this point short of hiring a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I was informed by XXXX XXXX XXXX XXXX I had been given a high risk status by Suntrust Bank. I have never been a customer of Suntrust Bank. I am concerned that this has been reported and is not accurate.

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 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation
State: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
This company continues to call my phone number and did a skip trace and has consistently called XXXX of my family members. They state they are not a collection agency and are a legal aid firm for XXXX. They claim I owe them {$16000.00} and need to settle or they will sue me. I have asked for a validation of debt notice as I have never received any correspondence from them. They state I need to call XXXX and refuse to mail me any documents. They will not give me their address to mail a cease and desist letter. I am unable to stop the phone calls and they are harassing me and my family. They claim to be based in XXXX, NY. They have violated a countless amount of FDCPA related laws, but I am unable to continue the process without them giving me any information.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
During the third week of XXXX I came across and advertisement by BMO Harris Bank to open a checking account, satisfy " 1 ) Open a new BMO Harris Everyday Checking ( R ), BMO Harris Select Checking ( R ) or BMO Harris Portfolio Checking ( R ) account between XX/XX/XXXX and XX/XX/XXXX in a BMO Harris Branch or by calling XXXX. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. " I then called the number listed on the advertisement and spoke to a representative who I asked to confirm that an ACH deposit that comes in with the account number and routing number qualifies as a direct deposit, and I was told YES. 

Based on this, I opened over the phone with that representative. They sent me a package in the mail that had account information and my signature card. I sent the signed signature card back, and went on banking normally. I then had to ACH deposits into my account from an external source for work I did credit into the account each for more than {$300.00}. After both posted in the account, I called and spoke to a representative who informed me that this WOULD satisfy the requirement for the bonus ( FlexCodeXXXX ) and that I was all set, because it was just " outside money. '' Feeling a bit hesitant because that representative used wording that was neither on the offer nor had been used by the other representative, I thank the representative and hung up, and called back the next day to again to confirm. 

This time, the representative first said the same thing as the representative I spoke to on the day prior " foreign money, '' however when I asked her to double check, she came back and told me that she had miss informed me. When I asked to speak to a manager, she put me on hold for over 20 minutes, and then the line just disconnected. 

I called again and had to jump through hoops to get to a manager where I was told that those deposits would not qualify me for the bonus. When I asked to speak the a manager, and had a representative from corporate call me back, they said and I quote " NO one here will give you a bonus. '' They then continued to be very rude and yell at me over the phone, and it was a very uncomfortable conversation. 

It has been a huge headache and a pain to deal with this bank as they treat their customers very poorly and do n't honor their marketing campaign. They deceived me to open an account, and than do not want to honor the bonus for me, but rather want to treat me rudely.

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 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: North American Credit Services
State: OH

Complaint narrative:
medical debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
API has been contacting me about a debt that they will not send me a validation letter for. They have started to call relatives that I would never or have ever used as a reference. They are calling well over three times a day. I have asked them to stop calling my place of employment as well as faxed a letter to them to stop calling my employer. The fax number they gave me was XXXX.They have threatened to sue me or freeze my bank account. This is becoming ridiculous ans stressful.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was one of those people who was talked into opening an account with Wells Fargo. The account was called a PMA. I opened it because it was n't going to cost me anything and the banker was local and nice. After the scandal hit, I went into the bank and closed the account. What was n't mentioned to me when I closed it was that since, under the PMA, my statements of my several accounts were all combined, the on-line statements for my main checking account ( which I 've had for over 30 years ) would disappear from on-line. I only saw this when I went into my main account to check some figures for my XX/XX/XXXX income taxes. There are no online records for XX/XX/XXXX, XX/XX/XXXX and the first four months of XX/XX/XXXX. After talking by phone with five different departments, I was told that while they might can send me hard copies of those records, they can not restore them online. This is outrageous and directly connected with their account-opening deceptions.

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 2015-06-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Insight Capital LLC (NV)
State: FL

Complaint narrative:
On XX/XX/XXXX I received a voice message regarding a formal complaint with their office, if I did not call back XXXX XXXX Florida Court would be contacted. XX/XX/XXXX I returned the call and XXXX at ext. XXXX answered, she stated she was calling from XXXX XXXX on behalf of INSIGHT CAPITAL LLC, in regards to a returned ACH of {$430.00} from XX/XX/XXXX. I requested proof of the original debt, she refused, I requested she communicate with my attorney, she again refused, I stated I had all debts discharged in a Chapter XXXX Bankruptcy 2 years ago. I reviewed my bank statements from XX/XX/XXXX and there is no record of a {$430.00} returned ACH from anyone. She gave me 2 hours to callback and pay in full, only emailed me a settlement payment letter and NO ORIGINAL DEBT DOCUMENTS. I researched INSIGHT CAPITAL LLC, called the number on the internet and the representative stated it was a scam and to report to the FTC.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
XXXX previous case number which stated they would call only me but again they still called my relatives.. called me at work and now i am in trouble for picking up calls the guy who spoke was XXXX. he was so rude..made fun of my accent which kind of hurt me and i lost my confidence at work after that.. he was threatening me since he called my relatives everyone knows about this debt..its kind of embarrassing now to even talk to relatives.. 

i am thinking of hiring lawyer and suing them so they understand not to ever hurt other people.. 

i want this to be published with their company name so everyone knows how much rude these debt collecting people can be they recorded me without my consent..they said they can record me even if i say no?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX Received an email ( 1st contact ) at my place of employment from Direct Recovery Services ( XXXX almost 12 yrs now ) - I had a ChXXXX Bankruptcy cleared in XX/XX/XXXX. I have never heard of this company nor the named " original creditor '' ( XXXX ) - nor have I ever received any previous emails, voice mails nor USPS mailed letters to the effect. They ( DRS ) have used an address in the header which I have not resided, for over 8 yrs ( I have moved 3 times since, but cell phone number has not changed in over 10 yrs, and mail continuously forwarded via USPS ). This supposed debt has not been on any copy of my credit report that I can recall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Northeast Collection Bureau
State: CA

Complaint narrative:
Have been getting call from NORTHEAST COLLECTION BUREAU claiming that I owe {$650.00} to XXXX XXXX XXXX ( NJ ) where I lived before ( 9 Years Back ). I have repeatedly asking them to send the details of bill and they ask me to contact the XXXX XXXX XXXX directly, giving me the reference number XXXX. I contacted them but they could not trace the details. Today they have threatened me for legal action, if I do not settle the bill. I have paid a settled amount of {$470.00}. I am not able to verify the credibility of this debt company and not sure if these charges are valid

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Due to financial crisis, we are behind in our mortgage payments. XXXX refused to take our mortgage payments. They jacked up our principal balance by adding up late penalties and legal charges. They agreed to modify our loan but added up the fore board charges which made the loan amount truly unaffordable, however, the property value appraised for {$600000.00}. The attached letter is self explanatory.

Company response to consumer: Closed with explanation