vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I had a {$6500.00} XXXX credit card account with a balance of {$6100.00} in XXXX. In XXXX I had gotten laid off from my job and worked out a fixed payoff plan and had paid over {$2000.00} by XXXX. I missed XXXX payment and they bounced the balance up to {$6500.00} stating the reasoning was because of the payment arrangement that we had. I told them that I would agree to settle with the remaining {$4000.00}, and felt cheated since they basically " stole '' {$2100.00} from me, but they would not have it. They ended up sending me to collections and then put a lien on my house. That house was sold in a short sale in XXXX and in XXXX I got notification that XXXX was attempting to collect {$10000.00}. I ignored it and figured it was a scam because I never had any account with them for {$10000.00}. Now I am trying to buy a house, it is over 8 years since I had the debt, and I come to find out that a company called PERSOLVE, LLC ( Account Resolution Associates ) is claiming I owe them {$10000.00}, apparently from this credit card account, and is preventing me from buying a house. Should n't this have been settled with the Lien in XXXX? How can they legally come to me 6 years after the lien and try and collect over 2 times my remaining balance of {$4000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
I am currently put of work and need the lender to stop drafting my checking account from my XXXX XXXX account in texas

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
I found a {$59.00} request for collection on my credit report from a company called Mercantile Adjustment to collect on behalf of XXXX XXXX. I called XXXX XXXX and they could not find any record or reason anything would go to a debt collector ( I called again and their " systems were down '' ). I called Mercantile Adjustment to get the account number they are referencing and I was told it was at a " Special Desk '' and they could n't access any information on it. They could not even look it up or get me the XXXX XXXX Account Number. I should not have to spend hours getting rid of a false debt collection for {$59.00} on my perfect credit record. When I called XXXX XXXX again and gave them the address ( which I found on the credit report ), they finally found the account and agreed that they never sent me an invoice and that I was never notified about it. They said if I do n't agree with the charge, I must fill out paperwork, etc. to dispute it. I said it would just be cheaper for me if I just pay it, since I do n't have the time to spend on the dispute. They told me I need to call the collection agency and pay it there ( even though they ca n't access it ). I then asked to speak with a supervisor, where I had to wait on hold for over 10 minutes. Then the supervisor said she is going to keep this as a late payment on my credit report, because it was an old charge. I told her that I never opened an account with them for it, and I never received an invoice, so how can it be late? She then put me on hold for another 10 minutes. Finally, she let me make a payment for it ( even though I do n't even think I owe it ), which I did. But she says it going to stay on my credit report because in her opinion she thinks that I am " late ''. I believe this to be unfair/illegal collection efforts and improper use of credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Dynamic Recovery Solutions, LLC
State: CO

Complaint narrative:
I received a phone call from Dynamic Recovery Solutions at XXXX. 

After calling me, they called my mother in another state. They told my mother should can pay the debt for me. 

No debt exists. All debts I owe have been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: SC

Complaint narrative:
They call way too often, even after we advise them when we are going to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WALDEN ASSET MANAGEMENT LLC (Closed)
State: VA

Complaint narrative:
walden asset management is leaving voicemails threathing to file a greivence if I did n't return a phone I saved the messages XXXX were lft in 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I needed monies for vacation and applied for what I thought was a simple {$2600.00} loan from a Company that claimed to help those with less than perfect credit a way to reestablish their credit through taking a loan out with their company. Apparently I did not understand their requirements for payback as they are charging me over {$6000.00} interest on a simple loan for only {$2600.00} ... ..they charge me approx. {$500.00} every month and they will continue to charge me for XXXX payments. I took out the loan XX/XX/XXXX and the payments are scheduled thru XX/XX/XXXX. In total I will have payed back {$8.00}, XXXX ... .this is extreme and I have been told by many of my friends and family that this is illegal and that I should not pay it. Please help me straighten out this mess I have gotten myself into..i did not forsee such an impact on my monthly income for so long ... ..that {$500.00} is supposed to be the monies I have left over after bills and survive/live on after all my other bills. They have access to my bank account and they automatically take it out every month on the XXXX. I do not know how to stop this maddness. How can they charge me over {$8000.00} for a {$2600.00} loan? Is this legal? I 've been told by many to stop the payments, switch my banking institute, deny them access to my account ... ... just simply NOT to pay it. I just wanted a simple pay back with reasonable interest short term loan and now I 'm stuck with this overzealous monthly payment and it 's scheduled " according to their pay schedule '' to go on thru XX/XX/XXXX-that 's a month shy of two years to pay back a simple loan of less than $ 3,000-for over {$8.00}, 600 ... ..something 's not right ... ... it 's not fair and it should n't be legal. Of the near {$500.00} payment each month, a mere {$62.00} goes toward the principal balance ... ... ..ridiculous .... Please advise. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX , XXXX, who assigned this account to RAB Performance Recoveries, conducted a presentation to my class at XXXX XXXX, in XXXX, MI. I was attending XXXX for their XXXX program and the recruiters for the XXXX XXXX were recruiting students to be in their XXXX program. The recruiters collected our information and stated that we could only enroll once we had graduated the XXXX program and had been licensed by the state. Following that presentation, I had never heard anything from the XXXX XXXX. I never provided any of the required information and NEVER enrolled in their program. Without my knowledge or consent, this program had taken out a private student loan for {$5400.00} on my behalf. I had never signed for nor received any of these funds nor did I ever agree to any terms for student loan, nor have I ever even enrolled with this school. 

I had no knowledge that this account even existed until I received a Writ of Garnishment request by RAB that was issued on XXXX XXXX, 2015. I am in the process of asking the court to vacate the judgment and allow me to proceed with a defense but that appears to be a long shot because RAB was able to get a default judgment without ever even informing that such a lawsuit existed. There was no attempts to collect this falsified debt until this recent garnishment. 

RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I had a car financed with Hyundai Motor Finance the past six years. I only had four payments left on the car when I was involved in an accident. As a result of my claim I was given a check for {$1700.00} and by the time I got my check I only owed about {$350.00}. I decided not to get the car repaired because I ended up getting a different car. Because Hyundai still had a lien on the car the check from the insurance company was made out to myself and Hyundai. When Hyundai got the check they took out the XXXX I owed them and said they would send me the balance of {$1300.00}. I asked when I could get the balance they owed me they said they were going to hang onto my check for 30 business days. Can they hold my money for 30 business days?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Since XX/XX/XXXX I have been hit very hard with multiple overdraft and nsf charges month after month from XX/XX/XXXX to XX/XX/XXXX to the sum of about XXXX. I have noticed that I get an OD then they run it through again and double the fees. I am XXXX years old and feel every month my bank Regions does this to me on purpose when I ask about whats going on Im told Were sorry Mam but there is nothing we can do. They have never givin me a dime back. I had my grandson go in and talk to them and he told them to take me off of overdraft protection and if the money is not in the account simply deny the transaction so shes not getting all of these charges. Your taking all of her money. But that hasnt helped they still run a XXXX XXXX debit through 2 or 3 times and charge me XXXX to XXXX dollars two or three times a month. They are taking my social security and my money for my medicine isnt there something that can be done. Please help me thank you for your time.

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 2016-11-03 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
XXXX County Wisconsin case numberXXXX After multiple delays from XXXX Law firm in XXXX, ( misplaced files, illegible records ) The judge ruled in favor of Plaintiffs motion for summary Judgement granted. 

I had no clue or knowledge of terminology or proceedings. I have receipts showing at least XXXX payments were made on a {$1500.00} Cash Store loan. Yet the Judge ruled that the Plaintiff judgement of {$2200.00} As of XXXX XXXX, 2016. Now XXXX XXXX Firm is adding fees, interest, penalties and garnishing my wages from USPS! Now they XXXX payment owed is {$2300.00} and the USPS wants to add on {$80.00} for garnishment fees. 

Help How to I get resolution on this matter and stop all the penalties fees and expenses and pay just what is owed to the Cash Store. Am I able to appeal this ruling? It is also going on my credit score. 

Thank You for legal referals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 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 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tecco Systems
State: CA

Complaint narrative:
This company called " tecco Systems '' has been harassing me for over a month about a debt incurred way back in XX/XX/XXXX.One the first call. some lady just called me out of the blue and started yelling and screaming at me that I " BETTER PAY! - you-d BETTER PAY ME! " ... .I asked her to send me paperwork about what this was about.. 
I actually had to call back, to make sure this was a company, and not just some woman who may have got my credit report.Also, there was NO mention that the call was being recorded, and no disclaimer that " this is an effort to collect a debt. '' etc, turns out this XXXX dollar debt was from a doctor..awy back in XX/XX/XXXX XXXX and ahllf years ago. I made arrangements with that doctor, and I do n't understand why this company is harassing me now. obviously, this was a case closed, years ago. 
I did now receive anything in the mail, as I had requested., they called and harassed me repeatedly, even on XX/XX/XXXX and XX/XX/XXXX.Today I answered their call, again stated that I neede a copy of why I owed this, they jut said they sent it. I never got it and I got screamed at again, by a woman named " XXXX '' .she said " look if you 're not gon na pay, we 'll just put this as a collection on your credit report '' I never said I was n't going to pay, I merely asked for validation oof the debt. 
I have always paid my debts. being screamed at over something that was resolved in XX/XX/XXXX, is deplorable. Still. no " this call is from a collector.. '' disclaimer and I had to ask if this conversation was being recorded. she said no. I said, well this, conversation SHOULD be recorded ''. she yelled that they mailed me something on XX/XX/XXXX XXXX, no,,, I do n't hink so, I never got it. she told me that I had to email Them for them to email me a copy of whatever they sent me. Anyway ... .they are violating the fair debt collection practices in SO many ways. " tecco systems ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Please refer to File # XXXX - which apparently is now closed by your agency. I 'm confused. XXXX XXXX XXXX by what was submitted on the above case sold a loan that was co-signed for by me to EOS. The loan was not defaulted on by my son, it was consolidated with his other student loans in XXXX, therefore they ca n't come after me for cosigning for something that is not defaulted on. I was never notified of any alleged default. The first I heard of it was when I started getting notices from EOS. This needs to come off of my credit report and this collection company needs to leave me alone. They are going after debt that is nine years old and is not real. Everything is explained in my dispute of XXXX/XXXX/XXXX in your file number XXXX I would appreciate your assistance in getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yesterday I made a deposit via mobile banking. I verified the bank received my deposit. It was added to my balance, so my checks were covered that I wrote on XXXX/XXXX/2015This morning,XXXX/XXXX/2015, I checked my bank statement on line, and I had a overdraft fee of {$210.00}. My bank statement shows that my account was overdrafted only because of the {$210.00} that the bank took. I spoke to Regions bank at several levels and was told that the statement presented on line is not accurate. Why? 
Regions has overdrafted my account for the past 4 months, everytime I have used mobile banking or, looked at my statement at night only to wake up and find that they changed the order of checks already processed with something pending to create an overdraft. 
I am not perfect and I have a mom on my account that sometimes uses the check card without telling me, so I can understand an overdraft here or there, but we are talking about {$700.00} to {$800.00} in the last 4 months. There is no cooperation from the bank. All I am told is that I overdrafted my account and there is nothing they can do to reverse it. 
Something needs to be done. I am very frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-01 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: AFNI INC.
State: MO

Complaint narrative:
Afni stated they would sue me if I did n't pay them the required amount of money owed. This company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 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: CT

Complaint narrative:
aqbout two years ago i cancelled XXXX because every time they were in a negotiaition -they would cancel the station until they got there way -when i thouht it was all done it syarted to recieve monthly bill for a service that i had cancelled -i called them and thought i had all straightened out. then about 4 or 5 months later the XXXX of XXXX collection agencies contacted me -the XXXX agencies said ( after i explained that i need an itemized bill, so i can determine that this bill was legitamate ) said that i would nt here from them again -the XXXX collection company called afni reported me to the credit reporting companies and damaged my credit score - if they had sent me an itemized bill and i felt that i owed, it would have been paid imediatly -however no one has done this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I initiated a home loan in XXXX 2015 with a closing date of XXXX XXXX, 2015 with Bank of the West. The first closing date was extended due to the Appraisal department of Bank of the West accepting a turn in date for the documents two days before closing. The next closing date was cancelled and the loan objected because they were unable obtain Mortgage Insurance for not providing sufficient comparable properties. 
I have listed the following issues I have experienced below : - Our loan processor rarely called or emailed us to keep us in the loop of our loan. I was rarely successful in contacting him when I attempted to call. 
-The realtors and myself were lied to by senior processor XXXX XXXX when we asked for an explanation of why the appraisal took two weeks to get back to the bank. I called the appraisal company and asked why it was taking so long and they stated " Someone from the bank called and said the documents were agreed to be delivered on XXXX XXXX, 2015 ''. XXXX XXXX emailed all parties involved and stated that it was the Appraisal company that changed the date of acceptance, ( When in fact, it was XXXX XXXX in the Appraisal department of Bank of the West ). 
- The loan processor did not get approval from myself to order a " RUSH '' document processing fee based on their mistake in ordering a document late. A non rush document fee is significantly less and was not shown on the signature form they sent me and was ONLY necessary due to their last minute performance. 
- It came to our attention in more than one occasion that all of the people that were involved in the processing of our loan do not work on Fridays nor have contingency for calls or document handling in the event of their absence which was not told to us when the loan was initiated. 
- The loan processor stated in email the an ILC, ( improvement land certificate ) would not be needed and ended up charging me for it anyways stating, " It 's a titling thing '' in contrast to an email conversation we had prior. 
- Was called in the beginning of the processing by an alternate agent who interrogated me as if I were some rogue. 

I feel that clearly what Bank of the West of XXXX has done has shown a repeated unprofessional nature and specifically a Failure to Perform/Breach of contract on my loan and wish to be compensated for the fees, charges and time that I have lost as a result of their failures.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 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: EOS Holdings, Inc.
State: OH

Complaint narrative:
I have a a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt EOS CCA purport I owe. I no longer wish to receive phone calls from this company for any reasons. 
I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation