vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-17 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: AFNI INC.
State: TX

Complaint narrative:
I have an account out for collections since XX/XX/XXXX with AFNI INC. based in XXXX, IL. About XX/XX/XXXX or XX/XX/XXXX. I contacted this debt collector and offered to pay the full balance of debt if they would remove it from my credit. They denied my offer of payment for removal and I understood but stated to them because I am close to statute of limitations I would not pay because I did not want it to restart the reporting cycle on my credit. Today I checked my credit and notice my score dropped almost XXXX points due to AFNI reporting activity for XX/XX/XXXX. I have not spoken to this collector in 3 or 4 months let alone made any payments or arrangements to pay. They would not have a letter or phone conversation to the effect of any arrangements made. My original balance is still the same. I am disputing the reporting of activity on this collection account which has caused my score to drop based on a conversation with this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Clark County Collection Service
State: IL

Complaint narrative:
I rode in an Ambulance on XXXX/XXXX/2016. It took a while to get my medical insurance information so that XXXX paid the claim. In that time the charges were forwared to Clark County Collections Service XXXX. I 've paid the ambulance company and the lab company so I should have no other charges to pay but this collection agency is claiming I owe {$1200.00} with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I first learned of a lawsuit against me on XXXX XXXX, XXXX from a collection company called Persolve LLC when the payroll department of the company I work for sent me a notification of wage garnishment for XXXX %. I reviewed the documents sent to me by my payroll department and found out I had a lawsuit against me first filed on XXXX XXXX, XXXX with proof of service of summons on XXXX XXXX, XXXX, dismissed on XXXX XXXX, XXXX then a judgement on XXXX XXXX, XXXX and writ of execution on XXXX XXXX, XXXX. I was never notified of the lawsuit, notified of the serving, notified of the judgement or wage garnishment. The original debt was from a $ XXXX credit card that went into default in XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX that Persolve LLC bought and turned into $ XXXX debt with an interest rate of over {$4.00} per day. Persolve LLC is not the original debtor and never served me or notified me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have been banking Regions Bank since XXXX of 2016. I have received information on my account and how I should maintain it. However, since XXXX 2016, There has been an issue of my statements being tampered with. On XXXX XXXX, 2016, I have made a purchase from XXXX XXXX online of an estimate of {$20.00}. However, Regions Bank, deleted that statement and moved it to XXXX XXXX. XXXX XXXX also charged me {$7.00} within my bank statement. I have also payed off my {$150.00} loan using my bank account. Regions bank did not charge me for the overdraft. I was able to pay off the negative balance in time to have a positive balance. On XXXX XXXX is when I had made a payroll deposit of {$150.00} from my job. I was not aware that they will keep my payroll check an extra day. However, they were already informed months ago about my employment. Regions bank had charged me an overdraft fee of {$36.00} twice -- right after I have cleared my balance. I am {$44.00} short due to the overdraft fees that they have still charged me after I have cleared out my balance. The Regions Bank Manager also allowed the ATM at the bank to keep my card due to her unauthorized of deactivating my card. She was rude not understanding. Regions Bank had hidden information from me.

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 monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
This car lot sold me a bad car, not even having the vehicle an entire year the engine went out and the company refused to fix it or put me in another vehicle at their cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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: EOS Holdings, Inc.
State: CO

Complaint narrative:
I told XXXX, and now EOS CCA, that the XXXX dollars is not mine, and it should not be on my credit report none whatsoever. Debt was absolved through verizon, but now they are going to say I owe them, and those clearly are not the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: SC

Complaint narrative:
I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I received my credit report yesterday and found XXXX debts that I owe the XXXX I made payment arrangements with because I do owe it..The other XXXX there are issues they have changed dates and it will not be off my credit until XXXX ... The last payment was made XXXX/XXXX/XXXX. According to their dates it was placed for collection XXXX/XXXX/XXXX ... The company is XXXX I am trying to get my credit score up I am XXXX XXXX and do n't need these people ruining my chance to rent or buy a home ... What can I do..They tell me the service was in XXXX but the billing address was my EX-mother in laws in XXXX ... I assume this was my ex husbands doing as I had not a clue this was in my name..My ex husband is on the run from the law in XXXX so I ca n't really ask him ... .I live In XXXX now and do not know what to do with this ... .Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
Continuation of complaint XXXX. We have requested information from this law firm so we can defend ourselves against this predatory lending. We want the name of the person we can call at XXXX XXXX or the current collection agency that they sold the debt to plus all legal documents filed with XXXX County court. Copies of letters sent to our address. We paid this debt in full and the XXXX County Court where the new lawsuit was filed not a continuation of a debt that we quit paying, it was paid in full. We want any letters that were sent to our address which they have on file since the final payment we paid to the court sent to our address also. They have sent another letter since the complaint was filed and we responded to it on last week which is part of this ongoing case. This is predatory lending at its best. We are going to ask the Attorney General of our State to look into this matter. Attached in the most recent letter sent from their XXXX Office. We want the entire file sent to us # XXXX XXXX. XXXX XXXX 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 2015-06-13 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: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX I received a letter from Dynamic RecoverySolutions whom I have never heard of saying that I owe XXXX XXXX XXXX $ XXXXXXXX.and wanting me to make arrangements to pay them. The date of service was suppose to be XX/XX/XXXX. I was not in the hospital at XXXX in and at no time. they are saying I better make arrangements to pay ASAP. I have good credit and my credit is monitored threw an agency to and this is not and never has been on my record. people like this need to quit scamming people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Consumer injured and harm under violation American federal protection Law suffered in tort of her credit and under employment and fraud contract Auto Ford Credit and Auto Owner Trust, from XX/XX/XXXX- XX/XX/XXXX through present have No knowledge of Idenity theft and false reported, All Obligation paid Ford credit by check and relied on personal banking Bad faith, failure disclosed Revolving credit, Failure disclosed Extension of credit and XXXX XXXX , Multiple Jurisdiction ' Consumer federal protection violation,, and Local attorney general Sued complainant, caused to injured and harm in good credit, and Indirect purchased Auto and finance against her bank without consent ' or ' Authorized JOINT LOAN, Ford credit attorney illegally collection and Sued the Victim and falsely accused, XX/XX/XXXX DMV failure to issue New Tags , was told to pay the property Tax alleged when cancel checks shows paid in person, failure apply to cgredit, Finding My property Tax were transferred indirectly to BALTIORE , Maryland fraudlent apply to third part Truth & Lending, suffered in access {$70000.00} in cab fees and prevented Ford Credit Auto Owner Trustprevilage of driving, Pending Judical case No # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Cottonwood Financial Ltd.
State: NM

Complaint narrative:
I took out a loan for {$600.00} and was never advised that my interest rate was 520.01 %. The company also tried to withdraw money from my account without my authorization.

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 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: HI

Complaint narrative:
In XX/XX/2016 I entered into a contract to lease a new vehicle. I was informed by the finance Mgr at a meeting at the dealership that i would receive payment information from Kia finance in the mail. After several weeks of not hearing anything i returned to the Dealership and asked the Finance Mgr about the lack of info on the lease payments. His response was " do n't worry they will send the info ''. after several more weeks i again returned to the dealership and again inquired about the lack of info on the payments. Again i was told by the Mgr that sometimes it takes awhile and not to worry. 
A few weeks later I received a statement informing me that i was in arrears and they wanted two months payment and added a late charge of XXXX which they continue to do monthly I called the finance Co. ( XXXX ) and spoke with their Rep. I was informed that the charges were justified and i had to pay. When questioned about the lack of information necessary to make the payment they informed me that the dealership probably did n't submit the paperwork in a timely manor. 
From the day I received the first statement i have scheduled my bill pay service to pay the original amount of {$450.00} on the XXXX of the month which was and continues to be one day before being late. 
However, KIA finance company then takes my payment and applies it to what they consider a late payment making my payment short of the {$450.00} required and adding another late fee. 

I have made at least 4 calls to Kia Finance including speaking with supervisors to try to work this situation out only to be told to pay up. I have made every payment in a timely manor and will continue to do so.I have tried several calls to the dealership Finance Mgr and have been ignored and at this point do not know where to turn and am asking for your help in this matter

Company response to consumer: Closed
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
The Cash Store calls multiple times a day ( XXXX ) Using different numbers XXXX through XXXX. They have also begin calling my workplace.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I purchased my car in XX/XX/XXXX and in XX/XX/XXXX went through a Chapter XXXX bankruptcy. I re-affirmed my car loan and have made every single payment not only on time but more then the minimum due. I have been a perfect Customer so when I went on line to make a payment and I could n't I contacted Hyundai Finance and was advised that they had blocked my on line access so I can no longer have auto pays or make one time payments on line. They stated that they did this b/c I had a discharged bankruptcy. Not only did I find that absolutely absurd seeing that this filing was almost XXXX years ago and they have accepted auto and online payments since then but then they also advised they terminated my online access at the end of last month with no notification. So my only option is to send in a payment ... who the heck does that anymore ... or to make one on the phone with the auto system for XXXX or with an agent for over 7 dollars. Seeing as my car payment is due today I had no other option then to do the auto over the phone option. The rude associate connected me to the auto line however it was for Kia. This is no way to treat a Customer who has made 100 % of their payments on time and more then the minimum due and on top of that to not send out any notification. I want my online access back!

Company response to consumer: Closed
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
My Loan Servicer JG Wentworth did not pay my property taxes at all. Payment was due XXXX XXXX and penalty was due if taxes were not paid by XXXX XXXX. As of XXXX XXXX, the property tax is still unpaid. My escrow account information still shows the full balance.

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 2016-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: RAB PERFORMANCE RECOVERIES, LLC
State: CO

Complaint narrative:
RAB Performance Recoveries has taken me to court for a debt that is not mine or that they have not been able to show some sort of proof that I owe. I am now in mediation attempting to get this thrown out as the judge signed off on it and is allowing the targeting practice to go on. They already have numerous complaints against them online and on XXXX 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 2015-09-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I spoke with XXXX XXXX who called on XXXX/XXXX/15 stating that Mariner Finance did not receive a payment and asking if we would like to make a payment over the phone. I then replied no, we had just received the payment booklet earlier this week and the check was mailed out yesterday. XXXX then responded that we were in default and if we did not pay today by phone ( which she later changed to Monday XXXX/XXXX/15 ) we would lose our 0 % 1 year interest rate and be charged the default rate of 24 %. However, our contract signed states that we would be in default if not paid by 15 days after the due date ( being XXXX/XXXX/15 ). I then explained that we were fully aware of our consumer rights and would pursue legal action if needed. XXXX stated " That 's perfectly fine with me. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GENERATION MORTGAGE COMPANY
State: CA

Complaint narrative:
Generation MortgageXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : loan # XXXX XXXX XXXX & XXXX : XXXX obtained a jumbo reverse mortgage loan from you on XX/XX/XXXX. There was an underwriting condition for " a set aside of {$26000.00} for one years ' worth of property taxes and insurance plus 10 % '' ( see attached underwriting conditions ). 

My first installment of property taxes was paid, but my second XXXX was not. As a result of this XXXX XXXX installment not being paid on time I incurred a {$940.00} late penalty. I always pay all my bills on time and never would have allowed this to occur had I not understood that you were going to pay these taxes for the first year. 

The loan is now sold to XXXX as of XX/XX/XXXX, but you owned this loan when the XXXX XXXX became due in XXXX and also owned it when the taxes became delinquent on XX/XX/XXXX. I was never contacted or notified that you did not pay them, and since you had withheld the funds to pay them and had paid the first XXXX, I fairly assumed that you would use the withheld funds for the purpose that they were withheld and intended for and pay the XXXX XXXX of taxes as well ( or at the very least notify me that you could not for whatever reason ). Because your error of not paying them within the grace period cost me {$940.00} I need to be reimbursed by you for this amount. 

Please forward me a check in the amount of {$940.00} to reimburse me for your error in causing this burdensome fee. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXXXXXXXXXX. I have previously sent this same letter to you in XX/XX/XXXX. I have never received a response from your company. I have also contacted the company you sold this loan to, XXXX and they state that they did not acquire the loan until the tax payment was already late ( which is true ) so the responsibility for this error lies with your company and I insist that you correct it by sending me a check for the amount of the late fee I incurred by your company 's lack of follow through and financial disregard for my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I have traded in my XX/XX/XXXX Hyundai XXXX for a XX/XX/XXXX Hyundai XXXX in XX/XX/XXXX. Before the payoff process was completed an extra payment was submitted to my XX/XX/XXXX Hyundai Finance Account on XX/XX/XXXX During the last XXXX months I have called up Hyundai Motor Finance XXXX times and they have been promising me to send my refund check asap, which I have n't received till now. It has been extremely frustrating and I am not sure who could help me out since the the Hyundai Finance Customer Service XXXX are the one 's who are supposed to help me, but in this case have failed to their job.If a consumer/customer like me do n't make loan payments, a financial institution would be charging us with extra fees, but there is no justice for consumers like us when a financial institution fails to pay us back. The last call I have made to the Hyundai Finance Customer Service was on XX/XX/XXXXThe customer service representative has told be that they have sent the check on XXXX. The representative also told me that it usually takes just XXXX business days to get the mail, which I have n't. Typically I would have waited for it, but this issue has been unresolved for the past couple of months and I am extremely tired and disappointed with the service of Hyundai Motor Finance that it could n't handle such a petty case.

Company response to consumer: Closed
Consumer complaint received 2015-09-08 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: Holloway Credit Solutions
State: GA

Complaint narrative:
Violated provisions outlined under the FDCPA [ unfair practices-15 USC 1692f ]. 

Holloway Credit Solutions in XXXX AL has been making illegal attempts to collect a debt from a minor, according to the verification information they have provided with last XXXX of social and birthdate. 

This debt does not belong to me and information about someone born XXXX/XXXX/1997 can not legally be reported to the credit bureaus. 

This account needs to be removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CREDIGY USA CORP.
State: AZ

Complaint narrative:
I settled a debt in 2012 - the agency never reported it to the credit bureau and the debt was sold again - I have paperwork to prove I paid this debt. The new agency - is threatening me and asking when I 'll be home. I tried to call them today to send them the paperwork and they refused to talk to me. I have disputed the amount with the XXXX today. I want this to stop - I paid the dept.

Company response to consumer: Closed with explanation