vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I went to school with XXXX and I leave they say I owe them XXXX I agree to pay then they send me to debt collector lockhart morris and Montgomery now they saying I owe XXXX I paid them XXXX at once and now I owe them XXXX cause I told them am only paying them XXXX now they arrasting me saying they gona sue me and so forth and calling me all z time just for XXXX say they do n't want no payment plans they want the money one time or else I have to pay and extra XXXX what should I do. My email XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I returned my leave vehicle to Kia Motors in XX/XX/XXXX. Kia Motors never sent me a final invoice. In XX/XX/XXXX, I received a note Dated XX/XX/XXXX from Kia Motors Finance telling me how much I owed. That same month, Kia Motors Finance reported me to the credit bureaus as being XXXX days past due. My credit scored dropped XXXX points. I called Kia Motors and paid in full. Then on XX/XX/XXXX, Kia Motors Finance reported me to the bureaus again as being XXXX days past due even though my account was {$0.00} and closed. My score dropped another XXXX points. I called Kia Motors Finance back and they said that I just have to wait. Mind you that I need a very good credit score for my security clearance. Kia Motors Finance acted as if this drop in credit score, which was caused by the company, was not a big deal. Well, it is a big deal for me and I have no idea when my score will go back to the original score, which I monitor closely as it is a must for my employment. I filed a dispute with XXXX and XXXX and they both informed me that it is up to Kia Motors Finance to rectify the issue and that my score will most likely not go back to what it was. Now, I am stuck with a poor credit score, which puts my security clearance at risk, all the while, I owe no money to Kia Motors Finance and I never received an initial final invoice from the company. Pleas help as my employment is on the line. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
hyundai finance uses discriminatory tactics to make rate decisions, the company uses the relationship of dealerships as a basis to discriminate on their customers. they take equal credit profile people and make rate concessions and adhustments according to the dealership they visit. for example i was forced to give better rates to customers with worst on exact profiles than the next customer just on basis of dealerships as opposed to the merit of the customer

Company response to consumer: Closed
Consumer complaint received 2015-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I am getting daily phone calls from Hyundia credit about a nonpayment on late fees for a car loan and have requested that I do not be disturbed during Sundays - Dinner time or after evening hours and they keep harnessing me about a {$64.00} dollar late fee. I have requested several times that I am making my car payments and each month but this harassment continues for a mere {$64.00}. I need someone to intervene on my behalf. The phone # they are using is XXXX. I will sue them if I have a legal concern

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
Bill was due XXXX XXXX. Calls were made 3 times including a call to my office of employment. 
Because the statement gives multiple date payment options, I should not be called until the XXXX option timeframe has expired.

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 2016-07-11 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NorAm Capital Holdings, Inc.
State: CA

Complaint narrative:
NorAm Capital Holdings, Inc. 
collecting for XXXX. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XX/XX/XXXX due to expenses from the death of my husband and they are reporting it as opening in XX/XX/XXXX. They have re-aged the account to try to keep it active.

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 2016-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
We get many calls from debt collectors looking for XXXX XXXX at our home phone number XXXX XXXX XXXX XXXX. We have had this number for over 10 years. The latest calls come from XXXX XXXX Mi and say to call them back at XXXX

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 2016-05-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Risecredit, LLC
State: ND

Complaint narrative:
I wanted to take a loan to fix my car from an online source called rise credit. I knew that the Apr. Is extremely high so I wanted to pay it back in 3 months instead of the 16 month schedule they offered. How ever, I still was being cautious and wanted to know what exactly would be due in total if it was only 3 months of interest. They explained that the interest will vary depending on the principle Balance and they would n't be able to determine how much would be left on the principle. I spoke to XXXX different agents and both gave me vague and round about answers and really were pushing me to take the loan " the interest will drop dramatically after the first payment '' but would not give me an amount. I told them on a XXXX loan I wanted to pay XXXX in 2 weeks, what will be the principal Balance? Would not say. Said they can not look that up. I think it is unethical to refuse the payment Balance on a schedule that the consumer would like to utilize. I did not go through with the loan because I am not in a position to get in an unknown debt total. What is concerning to me is the many people out there who are in a desperate situation and get pushed into a loan they can not afford thinking they can because they plan to pay it off fast but then end up in the black whole of debt. Rise Crdit needs to provide answers to questions about paying back loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX from Dynamic Recovery Solutions contact me XXXX/XXXX/XXXX XXXX from XXXX he said i owe {$1000.00} from original creditor XXXX XXXX original accout # XXXX, he said he had mailed out a settlement letter in XXXX or XXXX to a different address he gave me. XXXX said i could settle the accout for {$700.00}. I told him i believe that account was paid back in XXXX, i asked if i could have the telephone number associated at this time and he did not want to provided it, he asked if i had a checking account or credit card i can give him to pay for this account. I continued to get calls for 3 days 3 times a day i refuse to pick up the phone, on the last day they called his supervisor was on the phone and i was not aware of this, and this rude lady just came on the phone and annonced she was XXXX the supervisor and that she wanted to settle this account today, she was offering me a settlement offer of {$730.00} that i had to give her my back information. Then XXXX said the offer had expired because it was in XXXX, then he changed it to {$530.00} i told her i needed a copy of the original letter that was sent from XXXX XXXX to their company and the balance that they claim i owe. They do n't want to provide any information to me about the original creditor. I told them to send me to my email a bill from XXXX and they only emailed me a collection bill. I called back to XXXX get more information and have got no where. I contacted XXXX today and without the phone number they are unable to find me informaiton they did a name search and ss # number search and nothing comes up with my name. I check my credit report their is not collection on their from XXXX, i called XXXX and they said its not showing anything from anyone but a medical bill that is all. On XXXX and XXXX nothing shows up in collections, only that medical bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-26 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Financial Rescue, LLC
State: CA

Complaint narrative:
I was enrolled in a program XXXX XXXX XXXX through a company I saw in the XXXX XXXX. The company I saw was Financial Rescue LLC owned by XXXX XXXX. He promised us that our problems will go away if we enroll in his program, the said company XXXX XXXX XXXX XXXX. We did not know he is also the owner of this company which had their negotiators in the XXXX. Without hesitation we entered into this program but after half a year of paying the monthly program found that most of the money we were paying is going into his fees. It seemed that we are headed nowhere so I cancelled the program and asked for our money back. As I ready into different articles about his program, we found that it was illegal for him to collect such fees in advance without having provided any settlement service. When I wrote to him about this, I received a letter from an attorney XXXX XXXX who told me that my understanding is wrong and that he was entitled to those fees and did not have to refund them. With this, my husband and I ended up going into bankruptcy so that we can eliminate the debts due to our hardship. It is so unfair that this companies target clients who are in severe hardship and take advantage of them to enrich themselves. Please help us get our money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
From the Desk of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Email : XXXXXXXXXXXX XXXXTo Whom It May Concern, I am writing this letter in the hopes that you will help me with this unfair and overwhelmingSituation that I find myself in. I believe now that these original consumer lease agreement that was granted to me by Ford Credit Company was illegal and violated my rights as a consumer. I will list below some of the issues and facts that are the most obvious and reference. 

The Ford Dealer and the Company Ford Credit discriminate me by my national origins offer me XXXX flipped loans with terms that are less favorable, like a higher interest rate. 
The company flipped my cars 3 times and the last time it was a lease .I got a Ford Explorer XXXX for 24 months lease terms. 
The payments were very high at the end of my Lease after 24 months Ford Credit told me that I have 36 months. I asked them that it was not what I signed it in the Ford Dealer. 
The Ford dealer closed it. Now Ford Credit has those Predatory Lending contract with the 12 months added by the dealer that now it is not in Business for fraud and malpractices. The Dealer represents Ford Company as a Franchise. Ford Credit has the predatory lending contracts. I am paying for every month to Ford Credit, not to the Dealer. 
The company offer me in market the same car a Ford Explorer with a lease for 24 months for {$220.00} per month. My lease was 24 month for {$470.00} per month and also the Ford Dealer and Ford Credit added another year.I am paying almost XXXX around 50 % interest compare with the prices in the market. 
It looks to me like a Predatory Lending in a car lease and flipping of Car Loans. 
I need the reimbursement me for the high interests that I did pay already for my lease. 
I need assistance from the Financial protection Bureau to stop the harassment, abuse and stop the treats of legal retaliation in my credit report. The Lease is over paid. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I AM EMAILING YOU IN HOPE OF BEING ABLE TO RESOLVE AN ISSUE I AM HAVING ON MY CREDIT REOPORT. I AM IN THE PROCESS OF TRYING TO BUY A HOUSE AFTER MY XXXX FROM THE XXXX. I AM XXXX AND HAVE BEEN LIVING WITH MY INLAWS FOR THE PAST 6 MONTHS WITH MY FAMILY SO THAT I CAN REPAIR MY CREDIT AND PAY OFF AND GET CURRENT ON ALL OUR BILLS AND CREDIT ISSUES. I WAS ALMOST DONE WITH THE CLOSING OF A HOUSE WE REALLY WANTED TO SPEND THE REST OF OUR LIVES IN AND THE V.A. APPROVED OUR LOAN EARLY ON IN THE PROCESS. WHEN AT THE BEGINING OF THIS WEEK THE UNDERWRITER PULLED MY CREDIT A 90 DAY LATE PAYMENT SHOWED UP ON OUR CREDIT REPORT THAT HAD FELL OF THE REPORT AND THE UNDERWRITER DENIED US FROM GETTING THE HOUSE. DUE TO THIS WE ARE LOOKING AT LOOSING THE HOUSE WE ALL FELL IN LOVE WITH. I UNDERSTAND THAT I DID HAVE A ISSUE WITH THE PAYMENTS DURING THE TIME I WAS IN TRANSITION FROM THE XXXX LIFE WAITING TO GET THE XXXX PAYMENTS STARTED FROM THE V.A. AND XXXX. I WISH THAT WOULD NOT HAVE HAPPENED AND I DO UNDERSTAND IT WAS MY FAULT FOR THE LATE PAYMENTS I AM IN NO WAY TRYING TO DISPUTE THAT. I AM WRITING YOU TO SEE IF YOU WOULD PLEASE REMOVE THE 90 DAY LATE ON MY CREDIT REPORT THAT HAS POSTED AGAIN ON MY CREDIT REPORT. IF YOU WOULD PLEASE LOOK AT MY WIFES ACCOUNT AND MINE YOU WILL SEE THAT MY WIFES ACCOUNT IS COMPLETLY PAID OF HER NAME IS XXXX XXXX XXXX. I PAID {$1400.00} AS A LUMP SUM PAYMENT TO GET MY ACCOOUNT DOWN TO {$110.00} AS ADVISED BY MY FINANCE COMPANY. HE WAS TELLING ME THAT THE CREDITOR CAN TAKE THE 90 DAY LATE PAYMENT OFF OR ADJUST WHAT IS POSTED ON MY CREDIT REPORT. APARENTLY WHEN MY FINANCE AGENT PULLED MY CREDIT THIS 90 DAY LATE WAS NOT ON MY REPORT AND NOW WHEN THE UNDERWRITER PULLED MY CREDIT IT WAS ON THERE AND STOPPED MY FAMILY AND I FROM BUYING THE HOUSE. I HAVE BEEN WORKING REALLY HARD AND PAYING A LOT OF MONEY TO BE ABLE TO MAKE OUR DREAMS COME TRUE BY BUYING A HOUSE OF OUR OWN AND FINALLY SETTELING DOWN AND RAISING OUR XXXX YEAR OLD DAUGHTER. PLEASE I KNOW YOU DO NOT HAVE TO HELP ME AND FIX THE ISSUE WITH THE 90 DAY LATE PAYMENT BUT I AM PRAYING THAT YOU WILL PLEASE SHOW ME SOME COMPATION AND FIX THIS ISSUE WITH MY CREDIT REPORT SO THAT MY FAMILY AND I CAN FINISH THE CLOSING ON THIS HOUSE OR IF WE MISSED THIS HOUSE BE ABLE TO GET THE NEXT XXXX SO WE CAN MOVE OUT ON OUR OWN. THANK YOU FOR ANYTHING AND EVERYTHING YOU CAN DO TO HELP RESOLVE THIS MATTER AND I THANK YOU FOR YOUR TIME AND SERVICE XXXX. CAN YOU PLEASE ALSO GIVE ME THE TIME OF MONTH YOU POST ON CREDIT REPORTS? XXXX BLESS AND THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: IA

Complaint narrative:
XXXX, this debt has been paid directly to the original creditor so this debt is invalid. XXXX, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Lincoln Educational Services Corporation
State: MD

Complaint narrative:
Lincoln Tech entered into a contractual agreement with my underaged son whereby I signed as his parent as a cosigner. Without my knowledge or consent, my son dropped out of school and instead of Lincoln Tech sending me an initial request with the appropriate information regarding my son 's debt, they send me threatening letters stating that the account was past due and that they could not contact my son and that they would report this debt negatively to the credit bureaus on my account. I contacted this company several times in writing asking for the appropriate information informing them that I had an issue with them sending me threatening letters when I had never been initially contacted about the original debt.. The company did not respond to my requests for information and verification and yet continued to send me threatening letters stating that they would report negative information on my credit report. I believe that this company violated my rights under the Fair Debt Consumer Reporting Act. I have asked this company several times, where did they expect an underaged child to be able to immediately pay back over XXXX without a response. I believe this college practices predatory lending and even though I have paid them XXXX payments they have reported inaccurate negative information on my credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I have a STAR Card which has automatic payments going to it and even with these payments, they keep submitting I am past due and they will not remove the late payments. I was XXXX from XXXX 2015 until XXXX 2015 and was unable to handle this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 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: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
The collection agency has false information on credit reports dated from 2015. The acct they are requesting is not mine. ( Trident Services )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
Stallings Financial Group first called my mother about my debt before me. I called them back and the woman, XXXX XXXX, was very rude to me. She would not send me a hard copy of my debt, then she put me down as a refusal to pay and hung up on me. I called back to speak with a manager, XXXX, and she was very rude to me. I asked them not to call me and was very rude about legal terms. Her tone of voice was not what it should have been. I am very upset with debt collectors and how they have handled me. 
My parents are divorced, my father is the primary holder of my insurance by divorce decree. I have in writing that he has agreed, if sent to him, to pay. No collector will listen to me explain this and send me hard copies from the time I had 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 2016-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I have an account with the Military Star credit card, issued by the Exchange Credit Program, XXXX. XXXX XXXX XXXX, TX XXXX. I made a purchase on this account under a promotional zero interest plan. The company intentionally prevents payments made from being applied to the no interest balance, in order to carry that balance through the end of the promotion which would then begin earning interest. There are no materials or billing information listed either in the promotion materials, or the billing statement, that tell consumers that they have to request each time a payment is made, exactly how that payment would need to be applied. Without their knowledge, the agency automatically applies the payments to the non-promotional balances, including when additional payments are made or when no payment is due. This will cause all of the military customers to begin earning interest on a balance that they believed was paid off before the promotion ended. I find this to be a predatory practice, specifically targeting young service members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
My ex wife was awarded a car in our divorce and is not making payments yet I am the one that the creditors call and harass my credit has already been destroyed I just want it to stop and why does my credit have to suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
I filed a dispute with the XXXX credit reporting agencies about Trident Asset Management reporting negative info on my report and I had no knowledge of this collection. File was deleted from XXXX but not from XXXX and XXXX. I contacted them uploading the results from my dispute with XXXX showing the account had been deleted. Trident Asset Management refuses to delete or have this negative information deleted from their ( XXXX and XXXX ) files as of XXXX XXXX, 2016. I filed a complaint via US Priority mail with tracking number, with the Office of Commissioner of Financial Regulation, XXXX, MD delivered XXXX XXXX, 2016 not hearing from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pathfinder Credit Services
State: FL

Complaint narrative:
Unknown debt requested validation with nothing received

Company response to consumer: Closed with non-monetary relief