vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc.
State: TX

Complaint narrative:
SoFi advertises student loan refinance rates as low as 2.23 %, however they tried to sell me on a loan that 's over 5 %. If I do n't qualify, no one does. 
Credit score : high XXXX. XXXX missed payments on record. 
Household income : XXXX Debt ratio : 23 % ( including housing ) Debt ratio : 15 % ( excluding housing )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Farrell Holdings, LLC
State: NV

Complaint narrative:
I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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: Stellar Recovery, Inc.
State: CA

Complaint narrative:
The debt was challenged through XXXX and the 1 month investigation revealed I did not owe it was taken off my credit report and 1 month later S.R.I. is back on my credit report and now is leaving bad info as an inquiry thus hurting my credit further as retaliatory effort for challenging the report. I should not have to deal with them once they were removed its unfair thay can come back on to the credit report. The dispute they all edge is 6 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc.
State: IL

Complaint narrative:
Dated XXXX I received notice from Steller Recovery as well as phone calls in regards to an alleged amount owed of {$1100.00}. I sent a dispute notice for validation of debt in XXXX 2016 but never received response. They failed to send me validation of this debt. Steller is currently reporting to all XXXX credit reporting agencies of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 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: Stellar Recovery, Inc.
State: TN

Complaint narrative:
At issue is a XXXX account from XXXX. The debt collection company, Stellar Recovery, is attempting to collect a debt that was never owed, and illegally trying to do so. 

The XXXX account in question was closed in XXXX or XXXX of XXXX and all equipment was returned to the local XXXX office. XXXX billed me for the equipment in XXXX XXXX, and I contacted XXXX to deal with it ( proving that I had returned the equipment ) to put the issue behind me, or so I had thought. 

Stellar Recovery must have bought this " claim '' against me in the past year because I started receiving an overwhelming amount of calls from them at all hours of the day. I told them that there was no claim here, but they continued to contact me until I told them to no longer contact me. 

I, again, thought this was behind me. I was checking my credit report today and notice that there is an unpaid collection that was filed in XXXX of XXXX by Stellar Recovery in the amount that they assert. Note, that even if Stellar Recovery had a valid claim, it was no longer legally enforceable because the Tennessee statute of Limitations had run its course ( limit of 6 years that runs from when the demand could have been made ). 

This is outrageous and unacceptable. Stellar Recovery is attempting to strongarm me into paying a debt that I never owed based on what is a clerical error at best, and an outright lie at worst. Moreover, as a company that specializes in debt collection, they are well aware of statutes of limitation, it is my contention that they are intentionally misrepresenting the collectability of the debt to the credit bureaus, and that the report should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: IN

Complaint narrative:
I have submitted a separate complaint on XXXX and its 3rd party collection agencies ( CFPB case # XXXX ) for their mishandling of previous disputes I have made to them and/or their 3rd party agencies. I dispute the amount owed of {$130.00} and have since they attempted to collect it. I have been assured by XXXX and/or their various agencies on several different occasions that the debt would be cleared and they would remove it from my credit bureau. Initially about XXXX years ago, I submitted a dispute to the credit bureaus disputing this alleged debt. It was subsequently deleted either due to no response from the collection agency it was assigned to or they could not verify the debt. Since then it has been re-reported by XXXX different collection agencies with the most recent reporting coming from Stellar Recovery. Prior to Stellar, I have disputed this debt with the collection agencies, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. They both agreed to remove this alleged debt from my credit bureau and acknowledged my dispute. What appears to be occurring is that these agencies are canceling the placement and sending the account back to XXXX. These agencies are either not communicating my dispute to XXXX or XXXX is ignoring the communication. Once XXXX receives the account back from the agency, they are then placing it with yet another collection agency who then reports it to my credit bureau ( despite this account initially being disputed through the XXXX major credit bureaus where it was subsequently deleted ). It has since been re-reported 3 different times. At this time, Stellar Recovery needs to promptly remove/delete this reporting from my credit bureau and then XXXX needs to ensure they clear this disputed debt as it is not valid. XXXX then needs to take responsible action to ensure this is never assigned to a collection agency and is never reported to the credit bureaus again. XXXX can not and has not provided any concrete proof that this is a valid debt, because it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
On XX/XX/XXXX I received 2 requests and writs for garnishment of income tax credits from Shermeta, Adams, & Von Allmen, P.C. for XXXX XXXX credit card accounts that had been charged off. I was never served a summons before this action. Ever since the judgment was filed I have had any and all Michigan State tax credits taken by Third Party Withholding Unit in the Michigan Department of Treasury. I started receiving offers to pay this debt off after the judgement, in XX/XX/XXXX, from XXXX XXXX XXXX , XXXX. Shermeta, Adams, and Von Allmen sold my debt to another collection agency. I continued to receive tax refund garnishments and found out the garnishments are still on file with the court and still active. How is it possible to owe the same debt to two different agencies? In XX/XX/XXXX I received a request for income information from the Michigan Department of Treasury. On the form were the plaintiffs who filed garnishments on behalf of XXXX XXXX. Listed are XXXX XXXX and XXXX XXXX XXXX, both for the same debt. They seized the refund of {$170.00}. I contacted the offices of Shermeta, Adams and Von Allmen in XX/XX/XXXX to make an arrangement to stop the garnishments and find out why two different collections agencies were trying to recover the same debts. The customer service agent I spoke with, XXXX, was not friendly nor was he willing to help me. I told him I wanted to resolve my debt and he told me unless I had cash to pay in full there was nothing he could do and that the garnishments will continue until the debt is paid. I contacted the XXXX Judicial Court regarding this as well and there is nothing they can do without the collection agency filing motions to close the cases, or for me to file a motion to quit. I 've been attempting to resolve these issues with no movement from this law office. Selling my debt to another recovery group while continuing to receive garnishments from my state tax refunds should not be legally allowed and I can not find any information in the state laws to support their doing so. I Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: OH

Complaint narrative:
Received mail solicitation for personal loan. I submitted loan application online and uploaded paystub and verification of ID over a month ago. I have yet to receive an answer. When I call for status, they keep telling me that my loan is in underwriting and in the final stage. I feel as if I am being strung along. I have been told that they do not need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
My account was transferred from XXXX to Messerli & Kramer collections. They are authorized to a soft inquiry of my credit report, however they did a hard inquiry which is affecting my credit history. 

I have contacted experian and they said they were unable to assist me, so i contacted Messerli & Kramer and they said it should be a soft inquiry and they can not control how experian reports it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
In reference to Case No.XXXX wherein SoFi Lending Corp. ( " SoFi '' ) provided an incoherent and patently false response to the initial complaint submitted on XXXX XXXX, 2016 by XXXX XXXX ( " Claimant '' ), SoFi has filed to provide a second response to Claimant 's dispute of SoFi 's initial response. Principally, SoFi clearly refers to a " XXXX XXXX '' as the " personal loan pre-applicant '' throughout SoFi 's response which clearly shows SoFi 's failure to respond to Claimant XXXX XXXX XXXX complaint and SoFi 's egregious failure to comply with fair business practices by providing honest, clear, and ethical business services to consumers. By referring to a " XXXX XXXX '' throughout SoFi 's response SoFi is conceivably reviewing some other " pre-applicant 's '' information and thus SoFI 's entire reponse is based on information not related to Claimant XXXX. Moreover, the electronic process by which Claimant submitted his information to SoFI for a loan review clearly stated that no hard credit inquiry would be pulled and the facts show otherwise with a hard inquiry made by SoFi against Claimant 's XXXX credit report on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I applied for a personal loan with SoFi Lending and was approved. Their disclosure process is not clear or upfront which leads me to believe it is not legal. After I signed loan documents it was disclosed to me that the loan would not be funded for up to 30 days and have been told I wo n't be given an exact date for funding. It should be disclosed upront that funding does not occur for 30 days. This should occur in the disclosures before applying. This leads consumers to making decisions on applying for a loan that are flawed and present Dishonest Services to the consumer.The loan is a fixed rate loan and the loan documents indicate a payment based on a specific interest on a 30 day cycle with the first payment XXXX/XXXX/2016 this leads me to believe I will be paying interest on funds that have not been disbursed to me. How can a consumer be provided with loan contract with scheduled payments with a commencement date with automatic withdrawals and no date for disbursement until after you agree to the terms?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 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: Stellar Recovery, Inc.
State: OR

Complaint narrative:
This is regarding a {$180.00} debt bought from XXXX XXXX. Stellar Collections contacted my father, whom lives XXXX miles away, and whom I have n't lived with in over 13 years and told him the date of the delinquent bill, the full amount, and was asking how to get in touch with me. Subsequently, my family called me and informed me of all of the information, gave me the number to Stellar and said that they wished for me to call. This is outrageous and I also intend to file the issue within the court system here in Oregon.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Social Finance, Inc.
State: DC

Complaint narrative:
SOFI appears to be a discriminatory and classic bait and switch activity. They start by " pre-approving '' refis for PLUS borrowers like me, then collect reams of confidential financial and personal information, ( all demanded online ). Next SOFI increases the " approved '' rate, and the company demands more and more confidential financial and personal information. CallS to customer service were ignored and/OR mishandled. With REAMS OF confidential information on the PLUS borrower now in their possession, SOFI then demanded more and more confidential information. When the XXXX documenting my pension income were determined " insufficient '', and SOFI demanded copies of my pension " award letters ''? and wanted my checking account numbers, I decided to investigate my suspicions on your complaint database. Sure enough, others have had the same experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I have an installment loan with Lendmark Financial and I experienced several issues with the company drafting the payment from my account when they were supposed to. This resulted in my account being delinquent. I then got my account back on track and the same issue occurred again. Lendmark Financial filed a court case against me and placed a judgment on my credit report. I feel that I have been paying the loan and should not have a judgment while paying. The judgment amount is inaccurate as well. The judgment is {$12000.00} and my balance is {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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: Stellar Recovery, Inc.
State: FL

Complaint narrative:
STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2015-06-08 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
A Western Union money transfer made while on vacation was not going to be collected by my receiver so I called WU for a refund. I explained to them that I will no longer be at the original location as it was a stop during a cruise. They informed me that they could instead send me a mailed refund check and said it would take 2 weeks to arrive. After 2 weeks I called to inquire why I had n't received anything and was told it had been sent to an incorrect address ( which later I was accused of giving a false address ). I was told my address was corrected and I would be sent a new one. During the next 2 months I did n't receive anything and called customer service multiple times to inquire. Each phone call resulted in my having to explain the entire situation over and over and each agent telling me they had to send a request for information about my check and requested I call back in 24-48 hours. And then I would find myself in the same situation with no information about where my money was. Finally I decided to call and request my money be sent to a local WU store to avoid mail checks that never arrived. When I requested this, again I was told " your request has been sent, please call back to check the status of your request. '' My final call yielded no results saying I had already been sent a check to an incorrect address that I provided and I would have to wait for a new request to process. My original refund request happened XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to receive my {$1900.00} USD that is STILL in Western Union possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-19 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
Hi, The Phoenix Recovery Group called me on my cell phone XXXX today XXXX at XXXX XXXX trying to collect a debt. 

This debt is past the statute of limitations within the state of Texas. The account became in debt in 2007 for an apartment called XXXX XXXX The Phoenix Recovery Group continues to call me and try to collect on this account that is past the statute of limitations. I 'm seeking that the Phoenix Recover Group stop all efforts to collect a debt that is past the statute of limitation. Additionally, I 'm seeking the Phoenix Recover group remove any negative reporting information they have supplied to public reporting agencies and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STERLING JEWELERS, INC.
State: TN

Complaint narrative:
For several months now, I 've been getting daily calls from Sterling Jewelers/Kay Jewelers. There are multiple Business names under the parent company. The initial calls were a script message to a person that does not, nor ever has lived at or resided in my home. The message gives an XXXX number for the non-resident they are attempting to reach. The calls originate from various phone numbers across the country. I 've researched a number of them and they all seem to originate from XXXX of the many jewelers stores under the parent Sterling Jewelers. On a few occasions, I returned the call by calling back to the number on " caller ID ''. I explained that these nuisance calls were intended for someone that DOES NOT live and has NEVER lived at my address. I explained that they definitely have the wrong number and must stop these nuisance calls. On all such occasions, they told me that they are recording my information and would remove my phone number from any future calls for credit collection. To this day, I still get daily calls from these people. 

I 've been keeping track of the phone numbers that these collection calls originate from and I have compiled a list of XXXX different phone numbers that they have used in making calls to my home.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed