vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I 've been working with Midland Funding LLC for awhile now to try and work out a solution to pay off my debt. From the moment they took over my debt they were threatening to sue me if I did not pay them. I began talking to them on the phone and explained that I did not have the full amount and could not pay them that. However, I did have about {$300.00} available and was willing to pay them that on the spot if they would clear out the debt. Or that I was willing to work on a payment plan if they could fit it within my budget. I explained I did n't want to commit to a plan I could n't afford, which was why I was asking for a reasonable plan. One representative I spoke to a couple times said he would see if they could accept my {$300.00} and would work with me to resolve the debt. I asked him to please leave a voicemail if he did n't reach me so I knew to call him back. They have been calling me under different phone numbers and tend to call while I am at work and can not answer my phone. He promised to leave a voicemail and never did. I began receiving calls from an unknown number and returned one of them to find out it was again Midland Funding. I asked to speak to the same representative and they told me he had left for the day but that they would have him call me and ensure he left me a voicemail if he could n't reach me. That never happened. I did n't hear from anyone for awhile. More calls began coming through on a totally different number and when I answered it to find it was Midland funding the gentleman I spoke with was extremely rude. He told me that the previous representative I spoke with did not provide me with the right information and that this debt was in pre-legal status and I needed to pay the full amount. He stated that due to the pre-legal status there were n't any options to pay less to resolve the debt or do a monthly payment. I informed him that I had been researching their company and discovered that they have their own legal department and the way they do business is to sue people for the debt rather than working with them on it and I did n't want to get to a lawsuit when I am trying to work with them and they are n't willing to work with me. He began to raise his voice and said " Well what difference does it make? Either way you 'll be paying the full amount. Now or when we take legal action. '' I began trying to talk to him and he continued to talk over me and was getting very mean towards me. I hung up the call because I was getting scared and did n't know what to do. I spoke with a money management company and they advised me to contact the Consumer Financial Protection Bureau as this behavior is not condoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Uber Technologies Inc.
State: OH

Complaint narrative:
I was trying to set up my uber partner app to only do uberXXXX deliveries. I clearly hit to use my own vehicle and as I was scrolling through and entered my address the next thing I see Is that an inquiry was made on my profile from XCHANGE LEASE LLC. I contacted Uber and told them that something was wrong with the app and it somehow selected I was interested in leasing a car when I was n't and it ran a credit inquiry on me which I did not consent to. I sent screenshots of this ( also will be attached to this complaint ) and also told them to go into my account and try it themselves as it will still direct you to the same page. They did n't care told me they could n't help me and to contact XCHANGE LEASE. I contacted XCHANGE LEASE and was told I did consent to it, ignoring all screen shots and proof I was n't looking for a lease. I am even more than happy to let them try it themselves or to make a video showing the error. I want this credit inquiry removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo approved funds to be loaded from debit cards into my husband 's account and to be transferred to my Venmo account. 

I initiated a bank transfer, but venmo wo n't release the funds from my account to be deposited into my checking account. I do n't have access to the funds and no way to contact Venmo other than email. 

Address/ssn/drivers license have been submitted to venmo to verify identity, but funds are still frozen. 

I have attached a copy of frozen bank transfer email confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Motormax Financial Services Inc.
State: SC

Complaint narrative:
I refinanced my XXXX on XX/XX/2016. The vehicle was used as collateral for the loan. On XX/XX/2016 I was involved in an accident and the vehicle was a total loss. I just had liability insurance on the car at the time and the loss was not covered. I drove for XXXX and now I had no income since I had no car. I was unable to continue to pay on the loan. The loan company sent me a letter and said that the loan would be paid in full and the debt settled if I could pay XXXX. I worked with my insurance co. for several weeks and finally they did agreed to pay for some damage. ( comprehensive/falling objects. ) When my insurance company called the loan company to find out the amount they needed to send to pay off the loan, they were told by the loan company the payoff was XXXX! I went back to the loan company and they said they were not going to honor the settlement agreement they had agreed to. I looked more closely at the loan documents and how I was treated and feel the loan situation was predatory. This has put me in a bad financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. However I never had an account or contract with this company .According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.

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 2016-08-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Mobiloans, LLC
State: NE

Complaint narrative:
I believe Mobiloans LLC fraudulently stole my identity from the Internet and processed the loan with the expectation that I would cash the checks thereby agreeing to the loan. Mobiloans LLC sent XXXX checks in the mail without me soliciting a loan. Since I had not applied for the loans I presumed they were an unsolicited loan so I destroyed the checks without cashing them. Because the checks were not cashed there is no legitimate loan and the ensuing debt collection notice is fraud. 

I have submitted a police complaint but the local police are not able to resolve the fraud. 

The loans appeared on my credit report and I filed a dispute with XXXX and XXXX. XXXX resolved the dispute by deleting the account from my credit report. XXXX resolved the dispute by making a comment in the file and the loan is shown as being " Charged off as bad debt, Profit and loss write-off ''. 

I applied for a loan with XXXX XXXX XXXX and the loan was denied because of this statement in my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I received a pre-approval letter from a company called mobiloans early in this month and accepted. I was asked to send in a voided check as well as an authorization form allowing them to make ACH transactions on my account. I sent all the info as requested and supposedly the information was updated as I got a confirmation email. So I requested funds on monday the XXXX of XXXX 2016 to give me enough time to receive it by the time I needed it ( XXXX XXXX 2016 ). They promise to have the funds in your account by the next business day but two days later ( today ) I hadnt recived the funds so I called their customer service line and recived the worst customer service ever! The people told me basically that the agent who made the update to my account did it wrong and because of this I had to wait till they received the money back before I could request it again pretty much leaving me to deal with my issues of not being able to handle my emergency in time which was the whole purpose of using the service to begin with.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
In effort to prove that my Promissory Note is valid legal tender, I discovered that BBVA Compass Bank is in Breach of Agreement concerning our contract, by concealing material information, and conducting unauthorized transactions. It 's been discovered that BBVA took our Promise to pay ( Promissory Note ) and deposited into an account, in I and my wife 's name that became asset for them that they used to fund our loan ; only it was not a loan, it was an exchange, they excepted our Promissory Note in exchange for credits to our transaction account ( s ) that we knew nothing about! they say that my Promissory Note is not valid legal tender, but yet they monetized our Promissory Note and never used a dime of their own, and then they are charging us back money we funded ourselves with interest. In the banking law, if the bank deposits the note, they must give you a deposit receipt, which we never received, ( see 12 U S C A Sec 1813 ). BBVA Compass Bank, is in violation of the GAAP and they know that they are! There is no way that BBVA Compass Bank can deny my complaint, because the proof is in the Bank Bookkeeping Journal Entries associated with our so called loan ; and the Federal Reserve Publication Modern Money Mechanics Pg 6, reveals that banks make loans by accepting promissory notes in exchange for credits to the borrower 's transaction account. They even admit that it 's an exchange. IF IT 'S AN EXCHANGE HOW CAN IT BE A LOAN? once again, I 'm asking for the title to our car, but if BBVA tries to refute this complaint in anyway, then I will demand full disclosure of all bookkeeping entries associated with our loan and the deposit slip for the deposit of our promissory note associated with our loan, which I have a right to by law of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown Olcott, PLLC
State: AZ

Complaint narrative:
HOA sued for unpaid assessments and is garnishing wages, but the law firm collecting the debt on their behalf is not engaging in meaningful negotiation to resolve the matter. Consumer has offered a settlement, offered an alternative payment plan, and has requested a reduction in the wage garnishment. However, law firm has simply rejected settlement offers with explanation or a counter offer, or proposed an alternative payment plan, or produced proof that they filed the reduction with the court and it has been over 14 weeks. 
The amounts they are seeking to collect are in excess of the judgment, and they have not reduced the balance by payments made by the consumer to the HOA. The amount the law firm is seeking to collect in attorney fees are excessive and nearly triple the principal balance with accruing interest. The consumer has offered to pay the full amount of the principal {$740.00}, court costs {$220.00}, and over {$500.00} in attorney fees and they rejected the offer. It appears the firm wants an additional {$1200.00} in attorney fees and it is unlikely they have presented the offer to the HOA.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a fraudulent account with equifax submitted the police report identity theft dispute letter and affidavit and equifax did n't block or delete the item pursuant to FCRA 15 U.S.C. 1681-c2. They stated the account was verified. This account XXXXXXXX account # XXXX is not my account I never had XXXX phone service. They also was reporting duplicate accounts for years I submitted CFPB dispute XXXX and they finally removed the duplicate accounts. Please delete account immediately from my credit report Pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First Recovery Solutions, Inc.
State: CA

Complaint narrative:
Company known as 1st Recovery has made repeated phone calls to my cell phone, my parents house phone and my dads cell phone. Refuses to stop calling. Calls all phones right at XXXX, XXXX. Relentless Continues even after asked not to call. I ca n't even get a straight answer as to what this is about.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: VA

Complaint narrative:
I keep receiving calls from a debt collector saying i took out a payday loan and that i need to pay the debt back. I have taken out a pay day loan before but i contacted that company directly and they has no issues with my account and they told me that the calls i 've been receiving are scammers trying to get money from me. The supposed debt collector will not provide me with any information on the debt they are trying to collect. As soon as i start to ask questions they hang up on me or threaten me with a law suit.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an email in XX/XX/XXXX alerting me to potentially fraudulent charges on my card, and was prompted to select " Take Action. '' 5/3 shut off my card, but never contacted me or sent a replacement. A month later, after not receiving a letter, email or call, I called customer service to get a status, and learned they were waiting for me to resolve the matter, and lied about trying to get in touch with me. A very rude customer service agent was not helpful or pleasant and refused to give dates for times they attempted to reach me. I received a replacement card in the mail two weeks later that i never activated. 

I decided to close out my accounts with 5/3 bank, and was met with rude and uncaring workers at my local branch. I requested assurance that my accounts were completely closed and there was no step left, or action needed on my end to finalize the process. I was condescendingly told that " they had done their jobs '' and that I was completely closed out, but that I should check on line if I did n't believe them. Once I got home from closing my accounts in the branch on XX/XX/XXXX, I saw that the replacement credit card and my checking account had been closed, but that the fraudulent card was still open, even though it should have been closed in XX/XX/XXXX. I called my local branch, which condescendingly told me that the account would n't officially close until Tuesday, XX/XX/XXXX, and when I questioned why XXXX was closed and XXXX was n't he did n't have an answer, but told me to check back on XX/XX/XXXX. 
When I looked today, it was the same story, with the fraudulent card still being open with a XXXX balance, but the other accounts being closed. through back and forth via email, customer service told me that all of my accounts were closed, and when I asked about the fraudulent account, I was told that a supervisor would be reaching out by end of day, and still have not heard from anyone, by phone or email, and my account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
I called today to get my pay off amount on XX/XX/2017 and was given {$8.00} pay off with a per diem of {$4.00}. When I reviewed my financial statements I noticed some discrepancies. When I asked for a ledger from AC Autopay I was informed that they do not provide that and that I can request a payment history via email. The payment history I received is still deficient approximately {$40.00} in payment accounting and the total amount financed is incorrect per the truth in lending statement signed by me and my husband. XX/XX/2017 and spoke with XXXX who stated the latest supervisor notes in my account were from you notating that the finance charge and amount were correct when loaded into the system. I requested that they research this further because in my original copies from XXXX and the XXXX agreements my records are showing {$9800.00} loan amount with a {$810.00} XXXX XXXX charge for a total amount financed of {$9000.00}. I have spoken with XXXX XXXX on XX/XX/2017 and he was going to research this further for me but in the converstation I had with him today XX/XX/2017 he stated that the finance charge of {$5400.00} was were the {$810.00} was deducted from and that he encouraged me to have someone take a look at my agreement. They changed my APR and total amount owed several times and the XXXX XXXX is continuously interjecting in my account without supervision. I feel she has a personal problem with us and continues to make trouble and do fraudulent activity on our account and I am unable to get anyone in a managerial position to look at her activities.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Northeast Recovery Solutions, LLC
State: LA

Complaint narrative:
The caller stated her name was XXXX with NRS ( XXXX ) stating that I owed a payday loan from 2015. When I tried to explain to her that this had been taken care of and that I had email confirmations to prove it, she continued to speak over me and says, " What kind of arrangement did you have set up!? '' I tried to tell her it was set up in two payments and then when I got louder due to her continued efforts of speaking over me - she asks why I was getting hostile. First off, she wanted me to give her my social which I did not, then she verified my bday - she proceeded to tell me that I owed {$490.00} to XXXX. Stated that {$100.00} was paid and that the remainder came back NSF from " your bank of XXXX ''. I 've NEVER banked with any such bank and she proceeded to scream at me telling me banks change names all the time and that I should know that. I told her I 've NEVER banked with a bank by that name and she continued to scream at me and says, " YOU THOUGHT you finished paying it off - but 90 % of consumers make the payments for the amounts they borrowed and THINK they are done, but they are far from done and do n't really know how much is actually owed ''. I told her I needed to find the emails and letter saying I paid it off and she asked how long that would take and I said I did n't know - 2 days? She says, " You have until XXXX. tomorrow to produce your proof as you call it '' to them or " further actions '' will be taken against me. When I tried to ask where to send - she continued to talk over me and then says, " well do you want to know where to send your supposed proof you have or not? '' I was getting really heated by this point because of the way she was speaking to me and then says that " 24 hrs is sufficient amount of time '' for me to provide my " so called proof of payment and the address is Correspondence - do you need me to spell that for you? '' She was being extremely condescending and I screamed back that I KNEW how to spell - and she says " XXXX ''. I then ask who 's attention and she says, " Correspondence - this call has been recorded you have until XXXX tomorrow. '' and then hung up on me. I IMMEDIATELY blocked this number from my home phone and started researching the number. There have been NUMEROUS complaints of this being a scam and of this same exact person/company calling others with threatening calls. She did n't even give me a chance to ask for a debt validation letter from her before she hung up on me. This is ridiculous and these people need to be stopped. They call threatening legal action or people showing up to my job etc. The scariest part is that they have my personal information!!!!!!!!!!!!!!!!! Yes, in 2015, I did have a loan - which was PAID BACK - and now 2 years later they are trying to collect? Give me a break ....

Company response to consumer: Untimely response
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
1 ) Failure to post payments in a timely fashion. I sent two payments via XXXX with follow up calls providing proof of payment. On both occasions I continued getting phone calls from employees that would yell at me, and threaten to have my vehicle repossessed and hang up on me. 
2 ) Vehicle repossession causing extra fees after payments were remitted and verified received, with all payments up to date. 
3 ) Continuous calls demanding payment after vehicle reclaimed from repossession company and additional fees being sent via XXXX. 
4 ) Third party disclosure to my brother in law after stating he was not my spouse. My brother in law was told that calls were regarding my auto loan. 
4 ) Applying insurance to may loan after being supplied with my private insurance information on 3 different occasions.

Company response to consumer: Closed with explanation