vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
i was financed for XXXX XXXX corolla {$11000.00}, {$320.00} monthly to American credit acceptance from XXXX XXXX XXXX XXXX, XXXX, ohio XXXX .the car has too many recalls that could cause death and injury, it has too much mileage, too many problems not covered in the two year warranty, tried too get better trade they declined and gave suggestions too get recalls done but all other problems that should have been fixed before financing me for the vehicle was not dealt with. tried too get engine check light fixed from the dealership XXXX it came back on two days later and the car stalls sometimes the breaks which were promised too be new are loud front and back wheels whobbily like they 'll come off the wheel baron gas leak, evap system etc ... ... ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Since my debt is high as started a modification. This started in XXXX XXXX and still on going. I sent them enough information to make a decision on my behalf but still going on. They have sent me a least XXXX pieces of paper telling me they have a debt to collect, this is too stressful for me at my age. This debt was started in XXXX, in the amount of {$330.00} at a interest of 6.875 %. Now debt is {$260.00} at a interest rate of 4.875 %. This is serviced by the ASC Corp, XXXX XXXX, IA, parent bank XXXX The ASC Co. who services this account and without my knowledge open an escrow account without my permission and paid my Real Estate taxes and my fire insurance. I have always paid these bills on my own so could keep a check on them. Now they added the money they paid out for my taxes and insurance, added to my XXXX XXXX bill, so my payment I have to meet each month is over {$2000.00}. Where my taxes and insurance were n't monthly and since I retired, I am on a fixed income, monthly. XXXX could borrow from the central bank a 0 % interest. Also want of add that a member of ASC service co called about a payment stated that, if I missed XXXX payments, they could start to forclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Respected Sir, I Vacated an Apartment in XXXX and while I was staying there on Notice period, no one came for Inspection on premise. When I vacated I got a huge bill of XXXX PLUS XXXX, Stating proper notice was not given and lease was broken. But when I reminded about my submission of my employer letter, they then reduced the amount. 
Then again in the new bill, they mentioned they replaced kitchen counter top and charged me, which was fine when I left.Then I asked for proof like photo, which was not sent. Then National credit system called me as a collector for debt and I mailed XXXX that I DISPUTE claim, still they went ahead with collection agency. Collection agency mentioned if out of XXXX, I owe I pay XXXX ( minus countertop ) they will not report to credit beaureu and I paid that. Inspite of that, now when went with home purchase, to my surprise, because of remark from National Credit system my loan was rejected to low credit score.I called national credit system then told If I pay remaining another XXXX USD to settle in full they will remove it. Still now I can see a statement saying Settled less than full amount in Credit score. National credit also issued me a letter that I owe nothing. Still it is appearing on credit report. I have been a law obeying and good person, but such incident has left me shattered. Please help me, when I have Disputed the claim, how was this handed over to National Credit system. Why did national credit system say that once I pay for amount minus Countertop replacement which was a dispute, they will not put in credit report and still went ahead and put that. Also now also they are not removing it from my credit report affecting my home purchase and interest rates. Also XXXX reduced the final bill XXXX accepting that original bill was incorrect so is this not means to extort money, if they is no resistance. I have full faith in truthfulness and American Justice so please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Nationwide mortgage has been willfully and/or negligent in including inaccurate information with regards to reporting my mortgage loan to the XXXX credit bureaus. I have called Nationwide mortgage before and recently ( XXXX/XXXX/2016 ) sent nationwide all necessary information to prove this inaccurate information. I requested them to correct the mortgage information and have not seen a change in my credit information at any time. I have also disputed this mortgage information to XXXX credit bureau regarding this matter and submitted a complaint to the XXXX. This matter has severely damaged my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
I was contacted by telephone by XXXX XXXX, phone number XXXX on Thursday, XXXX XXXX regarding an apartment lease for my son we were trying to pay off with leasing company. My wife contacted XXXX XXXX on the XXXX who then told her that a payment arrangement needed to be made before Tuesday, XXXX XXXX or the account would be reported to the credit bureau. She informed XXXX XXXX that we had not received any notice of the account being turned over to collections as we were still sending payments to the corporate office of the apartment housing. XXXX XXXX told her that a letter was mailed out on XXXX XXXX and still demanded a payment arrangement be set up prior to the XXXX. My wife explained she was not comfortable giving out our checking information over the phone since we did not have proper notice. We finally received a letter in the mail from XXXX XXXX ( National Credit Systems , Inc. ) dated XXXX XXXX, 2016. My wife explained to XXXX XXXX that she would be disputing the amount claimed to be owed as she has repeatedly requested an accounts ledger from the apartment corporate office as our balance did not match theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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: American Coradius International LLC
State: MO

Complaint narrative:
American Coradius International LLC ( ACI ) XXXX, TX XXXX and XXXX, NY XXXX XXXX This company sent me a letter via the USPS stating that they are a collection agency collecting a debt on behalf of XXXX. 
Reference # XXXX I was able to confirm that with XXXX that my account is in good standing and I do not owe them anything. Upon attempting to discuss this debt with ACI, they were able to confirm they are collecting this debt. I requested the paperwork they received from XXXX that verifies the debt owed and they refused to provide that and said I would need to get that from XXXX. Naturally, XXXX, can not provide the paperwork because it does not exist on my account because the account is in good standing and they have not filed any collection action against me. 
I asked ACI where they got the account number on the statement and they could not confirm this source. Additionally I asked how they came up with the address that they mailed the notice to and they said that came from XXXX, which I believe to be a lie. I think this company is either attempting a scam, or actually has a collection account for someone with a similar name and is sending letters to everyone that has that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LJ Ross Associates
State: IA

Complaint narrative:
At XXXX a message was left by a female who said her name was XXXX from LJ Ross and Associates. There was no mention of who the call was for or what the nature of the call was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WAFD BANK
State: WA

Complaint narrative:
Complaint : Washington Federal Bank wants to keep my earnest money because I kept their house off the market for 30 days. 
XXXX lender XXXX XXXX did not fully disclose the need for a XXXX credit score and kept saying the underwriters overlay reports back OK - referral with caution. 
XXXX lender XXXX XXXX XXXX did not fully disclose that I needed to put in debt from my ccs into the mortgage amount to be able to get the loan at a new purchase price of XXXX. 
Seller still under open contract with open form XXXX UN singed document from purchase due to bank wanting to keep buyers Ernst money of {$1000.00}. Seller has put the home back on the market and advertising home for sale on the XXXX XXXX system as of ...

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 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: AAA Auto Title Loans, LLC
State: TX

Complaint narrative:
They sent a wage garnishment to my job without properly informing me that I have court. When I called to set up a payment plan the woman was very rude and said that I should quit my job. Since I have set up a payment plan they have been very rude. They made me go out and purchase a card since they do not accept american express. This was a very difficult task and cost me extra money. They have never tired to contact me via phone nor email before moving forward legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I sent a letter to XXXX XXXX stating I called XXXX XXXX thru XXXX XXXX requesting my account be cancelled. I was n't able to cancel service myself with XXXX, due to their policy. I was able to cancel my service by turning off my XXXX and putting it another name, XXXX allowed this only because of my complaint. I requested a refund for the months mentioned for the difference between XXXX 's rates and XXXX rates. I also stated I wanted the following amounts paid to XXXX by XXXX:XXXX accounts reported on XX/XX/XXXXOpenAccount # 1 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXOpenAccount # 2 $ XXXXBalanceXXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor $ XXXXAccount # 3 $ XXXXBalanceXXXX XXXXOriginal Creditor $ XXXXI contacted the creditor back in XXXX, XXXX sending in all documentation showing I have been disputing this issue. I received no response, I only know that this issue is not being resolved because this is now on my credit report, was put on credit report XXXX XXXX, XXXX and XXXX XXXX, XXXX. I made it very clear to XXXX via phone and correspondence I attempted to cancel my account for five months because it was very obvious I was being overcharged XXXX XXXX I submitted a complaint to XXXX XXXX XXXX 's ofice, XXXX XXXX XXXX XXXX .I filed a complaint with the NYS Public Service Commission XXXX XXXX, XXXX. I am refusing to take financial responsibility for a company that would not cancel my service and overcharged me for over five months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates
State: FL

Complaint narrative:
Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
I financed a automobile, it broke down ( transmission went out ) was told by a repesentive of the fiance company that they would help me out, that was a lie. Then after it being broke down for 3 months I told the finance company to come pick up the car. Owed {$4000.00} at that time, they sold it at auction for {$2900.00} then I never received any bill or statement what was owed. I did a check on my credit, they reported the information wrong. They said I owed {$5100.00} on a one month loan, I disputed their reporting because of errors and they now entered it as a new line of credit and still no bill of what 's owed. I feel they violated the fair credit reporting act. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: NY

Complaint narrative:
this debt is on my credit report and I do n't know what this debt is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Lender sold the property — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: TN

Complaint narrative:
This formal complaint is due to a various trend of data breech issues that includes myself personally and other customers of Cash America. Cash America has failed to protect the privacy of their consumer 's personal data by neglecting to remove pertinent information from electronic devices in their care and by not doing so they have put me and the entire general public who conduct business with them at risk of identity theft and ongoing data breeches in more than several areas. This currently include but are not limited to SSN, birth-dates, personal emails, credit card information, computer login passwords, traceable cookies on all electronic, devices, banking information, direct access, to personal application such as XXXX and 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 2016-03-09 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On Sunday, XXXX XXXX, XXXX, I completed an international money transfer to my niece 's bank account in XXXX, XXXX through Western Union 's online website. I followed the instructions and paid for the money transfer through my bank using Wu Pay. Today, XXXX XXXX, I received a call from Western Union who needed to verify the transaction. I answered their questions, even though I questioned the need for them. When the Western Union representative asked for my date of birth, I refused to give her that information, since I fail to see what relevance this has to the transaction. She said in that case, she would cancel the transaction. I asked to speak to the supervisor. XXXX, the supervisor, said the company was authorized by law to ask these questions. I called Western Union at XXXX and XXXX ( XXXX ) gave me pretty much the same information - that Western Union was entitled to ask these questions and he confirmed that the transaction was indeed cancelled. This is a legitimate transaction and I have used Western Union several times before without any problem. My identity should not have been in question, since Western Union contacted me by email several times over the years dating back to XXXX and I have used Wu Pay before as well. I am lodging this complaint because it seems to me that the consumer has no protection or rights - answer the questions, relevant or not - or be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
I pulled my credit report on XXXX as apart of a monthly monitoring service that I have to help clean my credit. I noticed XXXX medical collections accounts under Amcol Systems that I was unaware of. I called Amcol immediately on XXXX at approximately XXXX. I spoke with a rep named XXXX. Upon reading the disclosure and verifying my information, she stated an address for me that did not exist. The address that she had on file for me was XXXX XXXX XXXX, XXXX, NC XXXX. I expressed to her that is not my address and that address does not exist at all. She asked for my correct address and it was given to her. During the call I paid the entire amount that was owed because it was due. I expressed to her that these XXXX colletion accounts were showing on my credit unfairly because I NEVER received the letters or invoice that these amounts were due because they had the incorrect address on file. I asked if that these accounts be removed because they reported incorrectly and under false pretenses that I received the letters and neglected to pay for my debt. XXXX stated that she would need to speak with a supervisor in order to get that approved. She called me two days later and said that XXXX accounts would be removed from file. I asked about the other XXXX as I never received letters for those as well due to the incorrect address on file. She could not answer my question. I pulled my credit today and the accounts are still showing on my credit, however XXXX accounts have been updated to a XXXX balance and the other XXXX have not ALTHOUGH ALL XXXX accounts were paid in full on XXXX. I need help in rectifying this situation before I seek an attorney. I should not have to be bullied into paying for an attorney when the collection agency is not doing their part. After they verified that they had the incorrect address on file for me, they need to do what is right and that is update my credit report correctly and have these accounts removed since I never received correspondence. I did my due diligence and paid ALL accounts in full the same day that I found out about the accounts and that was a total of {$1400.00}. Please help me in this situation. many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I purchased a money order on XX/XX/2016 ( to cover my rent ) at XXXX from XXXX, GA XXXX. I mailed it out on XX/XX/2016. It is XX/XX/2016 and my rental company still has n't received the money orders. Last week I contacted my rental company to ensure they had n't miss-placed them and also to advise them of whats going on. After carefully researching they have n't received them either. Monday morning I contact western union to track the money orders. After speaking with an agent he advised they have n't been cashed. He advised to wait a few more days because it can take 10-15 days in the mail ( Which I 've never known a money order to take that long ). He then proceeds to let me know after that I could file a claim and pay XXXX ( non-refundable ) to have them place a stop payment and it would take an additional 6-8 weeks before they could process it and send my money back to me. At this point I think that is ridiculous giving this is my rent money and I do n't have money just laying around to pay an additional XXXX to my rental company. I asked if he could send me an email detailing what we spoke about so I could forward it to my rental company and he told me no. I asked to speak with a manager. He proceeds to place me on hold for an hour and never came back. I called back and had to explain myself to yet another person who placed me on hold again for 30 minutes. At this point I am very frustrated. I called the next day and spoke with another young lady having to yet again explain the situation and I let her know I just would like to speak with a manager and for her not to place me on hold. She proceeds to get a manager. The manager gets on the line and I explain the situation yet again. She informs me there is a form she would have to send me via email and she could also send the email to me to send to my rental property. I thank her and wait 3hrs for this email that never arrived. I call back again only to explain the situation to another agent. The agent says oh she forgot to tell you it will take her 24/48 hrs to send you the emails. This timeframe is running into the holiday season which means I would n't technically receive the email until monday XX/XX/2016. I feel as if this is ridiculous and this is my rent money and I could be evicted and have a small son. Customers should not be treated in this manner. I do know that companies have policies and procedures but I also know they can bend for certain circumstances because the manager said they could. Whatever can be done needs to be done as soon as possible. My living situation is in jeopardy and I feel like the agents at western union could care less.

Company response to consumer: Closed with explanation