vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
I had an outstanding medical debt with a local hospital. I did n't pay it off in time and it went to a debt collector. They proceeded to file a debt collection lawsuit against me however they misspelled my name wrong in the court documents and then they said they served me however I have proof via my gps watch that I was n't near the place they served me. They stated I owed over {$1400.00} to them however the legal documents only state they are trying to collect {$600.00}. I am disputing the fact that I owe more then the {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: PA

Complaint narrative:
I signed up for nationwide biweekly mortgage payment plan. This is a service provided to reduce the interest and length of my mortgage. There is a fee taken for this service initially equal to XXXX payment. I received a letter that they are no longer able to service my, or any, of their customers mortgages. I have received no reimbursement, no reply by phone. It is as if they have vanished. The phone number to call is an automated message with no operators

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I got this message from my sisters they called her regarding my debt with Aspre visa from XX/XX/XXXX I filed XXXX with what was suppose to be account insurance and never heard any more from them as I was very sick I did n't think anything of just figured they 'd been paid by insurance. I was in XXXX and an still in XXXX under doctors care. I never gave them my sisters phone number where they got in not sure but I called the number she got from them and learned it was aspire visa it was over 7 years I never heard from them. I 'm XXXX they know that insurance should have paid. They collected fees from XX/XX/XXXX to XX/XX/XXXX on account for this coverage in case I became XXXX it 's like insurance fraud selling bogus insurance to card holders. 
, I got a call from someone regarding XXXX and they are filing suit against you and were going to send the papers here for signature. I told them that you are out of the country. This iis a civil suit. they left a phone number and it is XXXX XXXX and your case file is XXXX. I guess you need to call them. This sound serious. So you should address it. Thanks Love You, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC sent me papers with a Writ of Garnishment. They attached court papers with XXXX XXXX XXXX, XXXX as the plaintiffs from 2010. I do n't owe any of these companies and was never served any court papers. I do n't make a lot of money and barely make ends meet with my bills. I take care of my retired XXXX year old mother. Garnishing XXXX % of my paycheck will break me. 

I would be grateful if you guys can get these people to stop harassing me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Still mailing me after a C & D on XXXX/XXXX/2015 was faxed, faxed another on XXXX/XXXX/2015, another on XXXX/XXXX/2015 and now another letter has arrived. 

Exactly what has to be done to shut down blatant FDCPA violators? CFPB needs to step it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
XX/XX/2016 To Whom It May Concern : Please note that in XX/XX/2016, I called Fortiva Personal Loans and requested that my due date be changed from the end of the month to the XXXX. I got an acknowledgment that it was done, yet they have been harassing me and also reported me delinquent on my credit report based on the original due date. I have tried to contact them a few times but there always seems to be a language barrier. I am requesting that my due date be honored for the XXXX of the month and that my credit reports are corrected. Please see attached documentation that indicates that they are inaccurate for the due dates. 

Thank you, XXXX CC : XXXX FTC Attorney General of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
this online lender is not license in the state of texas. they kept adding more fees and interest charges i was not expecting and can not afford. they have been harrassing me with emails and phone calls during work and on sundays. I been paying more then what I owe and not am behind on my bills.

Company response to consumer: Closed
Consumer complaint received 2017-01-06 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: Real Time Group, Inc.
State: CA

Complaint narrative:
I have NEVER had ANY signed agreement, or contract with Realtime Resolutions Inc, do n't know who they are, and will NOT be paying ANY monies to them!!! These criminal XXXX are attempting extortion, and under Federal law extortion, and the F.C.R.A. is illegal! 

Until Realtime Resolutions Inc. can provide me XXXX XXXX XXXX XXXX with the original signed contract agreement with their company that they are erroneously attempting to extort from me, to include a itemized accounting detailing interest, and fees. I will need them to IMMEDIATELY remove the erroneous inaccurate negative credit reporting to ALL agencies, per the F.C.R.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX I closed on a refinance of my home with New American Funding Inc. My XXXX payment was due XX/XX/XXXX and I have made all my payments on time. Today XX/XX/XXXX I was contacted by a Mortgage Company concerning lowering my VA Loan through a VA Interest Rate Reduction Refinance Loan ( IRRRL. During the initial process I was informed that the current servicing mortgage company was not reporting my loan with the credit bureau 's and this was hindering me from getting the lowest interest rate available. He state I am only a couple of points shy and not reporting the loan was preventing me from obtaining the points. I contacted the XXXX bureau 's and they agreed. I then contacted XXXX with New American Funding, XXXXXXXXXXXX. He stated in XXXX they went to a new mortgage servicing company and according to RESPA they wo n't report to credit agencies until XXXX. It would appear this information is incorrect and is harming my ability to obtain the best rate possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Utah System of Higher Education
State: WY

Complaint narrative:
I was loaned money on a false degree. I was also not made aware of how much I was being loaned. Then my loan was sold and I have been charged interest at a higher rate than agreed ... as I was not aware of any rate. Also charged while in school and serving in 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 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I noticed LVNV funding on credit report when trying to buy a home. Wrote XXXX letters to credit bureaus to validate debt that has not been validated as of today. wrote letter to LVNV funding to validate debt never get a response as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
When I applied for Continental Credit Card, in amount of {$300.00}. to re build my credit and with XXXX XXXX for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, Continental Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XXXX of 2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add XXXX Credit Card company at time at end so I will do XXXX of these.

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 2015-05-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
I am getting phone calls from Dynamic Recovery Solutions. They call on my work phone from XXXX or XXXX but have a call back number of XXXX. 

I checked my credit report and there is no outstanding debt. I have a credit freeze on my account and notification services if there is a change in my credit score or rating. 

I am very suspicious of this company posing as a debt collector and not sure how to prevent fraudulent calls posing as debt collectors when I do not have any unpaid debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
I pulled my XXXX credit report XXXX XXXX, 2016 and noticed a collection from Central Credit Services who is also known as XXXX. I immediately pulled the other credit reports and on XXXX it shows the owner of the debt is XXXX XXXX XXXX who is formerly know as XXXX XXXX XXXX XXXX. I have NEVER heard of these people nor have I ever received a letter or phone call from either of these agencies regarding this alleged debt. Also, there is not any contact information on the credit reports for me to contact these people. The information I do have I researched on my own to find out the address of each agency. I believe these agencies need to validate this alleged debt in writing by supplying the original loan agreement, contract, etc. under FDCPA 809 ( b ).

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 2017-02-12 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
Cash express in XXXX TN. Is there number XXXX XXXX XXXX. They will not accept my payment demand me to have my payment of XXXX besides the XXXX that i originally make my payment on the XXXX of each month Cash express knowledge me that starting in XXXX they will be offering flex loans and my loan will need to be changed over to it if I did not have it paid off by then. 
I went in to pay my payment they refused it cause my income was not income and told me they can not accept my income that was on paper cause my employer does not have a landline business phone number ... ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Glennon Law Firm, LLC
State: OH

Complaint narrative:
Glennon Law Firm LLC was hired by XXXX XXXX to collect on a debt that they claim that I owe, when contacting them they wont answer the phone, send me to voice mail, then they will answer the phone and not say nothing and hang up. When speaking to them they wont answer any questions, they refer me to contact eagle finance, then when i call eagle finance im told to call glennon law firm.its noting but a bunch of run around hassle.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: NM

Complaint narrative:
I have a " Personal Installment Loan '' through Rise Credit. I was recently educated on the Military Lending Act through a local agency financial counselor. 

Rise Credit 's interest rate on my current loan is outrageously high. Does the Military Lending Act not apply to them? I brought this up to them and that lenders have until XX/XX/XXXX to comply by lowering the interest rate to 36 % or under, and they said that the rule does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
This company calls all day every day. I blocked the number than they call from local numbers

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 2015-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
Dynamic Recovery Solutions of XXXX, South Carolina calls my office number asking for a former employee. I have told them numerous times to remove me from their list as they are clearly a spam site and the employee no longer works here. They asked for her contact information. I told them that I was under no obligation to provide that information to them and asked to be removed from their phone list again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
This is the XXXX attempt by Dynamic Recovery Solutions to attempt to collect a debt that is not mine. In XXXX 2013, I received similar communication from this company on an account that I have never owned. I have never had a XXXX collection account on my name or against me. Now, XXXX years later, I have received similar communication from this company regarding a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
Collector called cell phone while at work after Statute of Limitations expired. 

Dynamic Recovery - XXXX - XXXX - XXXX I informed SOL expired, Called cellphone while at work, informed to not call again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
My home was foreclosed on XX/XX/XXXX. It was sold via a short sale XX/XX/XXXX. Green TreeServicing LLC held a second mortgage on the house. This mortgage was not paidthrough the short sale. The are still reporting that I am not paying them monthly on aproperty that is no longer mine. It is negatively impacting my credit score. Rather than treating it as a foreclosure, they are treating it as if I still own the home and am not paying my second mortgage every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vision Financial Corp.
State: MI

Complaint narrative:
I received settle in full offer from XXXX Bank dated XXXX/XXXX/15 ( see uploaded documents ) stating to pay {$280.00} within 45 days, which was paid to XXXX via check written/mailed on XXXX/XXXX/2015 via priority mail, which was cashed by XXXX Bank on XXXX/XXXX/2015 for account ending XXXX. I then received a collection agency bill dated XXXX/XXXX/2015 for {$280.00} from Vision Financial Corp after my check was cashed/paid to XXXX Bank. This violates the fair debt collection act to send someone to collection when the bill is already paid. XXXX made agreement not to seek further collection activity if settlement paid within 45 days, which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIGY USA CORP.
State: NY

Complaint narrative:
Hi ive recived a zero Blance letter from Main Street Acquisition Corporation # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I have been sending " overage '' payments above my monthly financed contract to Kia Motors Finance USA. I have written them several times to indicate how my payments should be applied and requested that all payment amounts above my monthly finance statement should be applied to Principal Balance Only. I asked this company to confirm my request, and they continue to send me the same thing instead of confirming that my payments will be applied as instructed. In addition, they are reducing my next scheduled payment amount and using my over-payment to apply to future interest instead of as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I took out a cash advance to help a financial hardship for XXXX. The interest was 500 % so I opted to go through a payday loan consolidation company after I made the first payment. I called the cash store a few days before my due date and let them know that they payment would not go through XX/XX/XXXX and the consolidation company would be handling their payment within the next few weeks. I explained they would be paid but I had to open a new account for the consolidation company to draft from. They have still called my every day multiple times @ home, my cell and work after I have already been told they see the notes on my account regarding the consolidation. At this point they should be only contact me through the mail. I also emailed their corporate office under contact us prior to the debt going into default but no response was received.

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