vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NJ

Complaint narrative:
I received a complaint from RAB Performance Recoveries. I filed an answer and sent my request for discovery and interrogatories. The firm then filed a summary judgment motion saying there were no material facts and yet they have not even responded to my discovery, so no facts were known yet. I requested a postponement of their Motion and they claimed they would postpone it and even sent me a new court date. Then, instead they went to Court on the original date and got their judgment, as I was home still waiting for their discovery answers. They never postponed the matter, and lied. They got a judgment and started strong arm tactics and threats to extort money from me. I began research while I was paying {$100.00} each month. I finally found out how they got the judgment as there were so many other victoms on line who they had done the same thing to. 

I outlined all of the research I found and sent it to them via e mail, regular and certified mail. I said I had evidence of their wrongdoing and would go to the court with it upon motion. They responded by saying they would drop the case. So, I contacted the court who suggested I prepare a Warrant to Satisfy Judgment. I prepared it and sent it to be signed and filed by RAB Performance Recoveries. I never heard another single word, or received any correspondence whatsoever for about 6 years now. 

RAB now just pulled up the 8 year old file and has filed a motion to attach wages based on the Judgment they received through fraud. Turns out that they failed to file the Warrant on the order they received through trickery and defrauding of the court and myself. They also gave no credit in this new Motion for Garnishment for the {$1000.00} that they extorted from me, and I have long ago disposed of this file, as I truly thought it was a closed matter after not hearing a word for more than five years. 

Since they initilly falsified court papers to get the judgment in the first place, the judgment should be voided and the matter should be outside the statute of limitations at this point. 

I desperately need help in communicating their wrongdoing to both the public and the court as well as other victims of their scam. They operate a business by ignoring court rules, lying to debtors about what their intentions are and what remedies are available, lie about court hearing dates, fail to abide by court rules of discovery and are still in business not being held accountable for all of these illegal activities. They need to be stopped. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
My wife & I jointly purchased a new, XX/XX/2015 XXXX, using cash, our trade-in, and a loan of {$5000.00} from XXXX Finance -- the loan being required by XXXX in order to receive a {$1000.00} rebate. We asked that title be issued jointly, with right of survivorship, i.e., 'WROS ' appearing after each of our names on the title. Such titling is an estate-planning tool prescribed in the Ohio XXXX XXXX XXXX XXXX website regarding vehicle titling. The XXXX dealer 's Finance Manager refused, saying that XXXX Motors Finance did not allow such modifications to the buyers ' names. We replied that XXXX statutory law gave us that entitlement, and gave him a copy of XXXX Revised Code 2131.12, the applicable statute. After checking with his counterparts and confirming his position, the Finance Manager promised to check with supervisors at XXXX Motors Finance the next day. When we followed-up, the Finance Manager said he had checked as promised, and reiterated the refusal. 
Upon contacting the XXXX Attorney General 's Complaint Department, we were told they had no jurisdiction, and referred us to the Comptroller of the Currency @ XXXX. That Office, in turn, said they had no jurisdiction, since XXXX Motors Finance was neither a bank nor a credit union, and referred us to the Federal Trade Commission, which referred us to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I co-sign on a loan with KIA Finance for my son. They initially started off with misrepresentation by telling me if I cosigned for my son for 6 months they would be able to take me off the loan. Later I found out that they could n't take me off and he would have to find someone to refinance the car in his name only. Now over a year later, I contacted my son so he could make a payment of {$310.00} by XXXX/XXXX/XXXX so my credit would not be messed up. I got the amount off of their website in the amount due column. Today I notice that the {$310.00} was paid but it was still showing us {$78.00} past due. It appears they took the {$78.00} out and applied it to a nsf charge that was done on XXXX and another nsf charge that was paid on XXXX/XXXX/XXXX. One of the agents said that whoever put the payment in put it in incorrectly and they can not apply part of the reg payment to nsf charges. I also asked if he owed these charges why did n't they take it out of the payment when he over paid in XXXX and XXXX. I asked if they could reverse the payment so that it will not show past due and they said they could not. They are giving me a credit for {$30.00} and I do appreciate that but it still does not help with the affect this will have on my credit. They told me that they could apply the funds paid any way they wanted to. I explained to them that one of the charges did n't occur until the XXXX of XXXX so we would not have had knowledge of this until the next statement was issued and the other charge should have been took care from the overpayments in XXXX and XXXX. Right now I am trying to get the {$47.00} up so my credit will not have any negative marks on it. I am totally confused at Kia 's misleading business habits. It is very upsetting to pay what their website asked for and find out the funds was mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
I am not sure if this company is legit or not. Could be a scam trying to pry personal information from you for criminal reasons. I do n't owe anyone any money so no reason for a collection agency to contact me that is why I am suspicious. Phone # they contacted me from is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Data-Central, LLC
State: UT

Complaint narrative:
Data Central Collection Agency has refused to properly notate a debt which has been discharged in bankruptcy, even after being provided with proof of the bankruptcy discharge more than a year ago by XXXX. I 'm not sure where to report this, but they held several different medical debts in my name, and XXXX continues to haunt me. It should n't be like pulling teeth to get ALL of these accounts properly notated, and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: AMERICAN INTERNET MORTGAGE
State: CO

Complaint narrative:
When processing our new mortgage AimLoan.com, used an automated estimate from the county assessor 's website with erroneous data that produced a tax estimate more than three times the correct amount. This was not disclosed until they provided a loan commitment letter on XXXX/XXXX/2015, and we immediately brought the error to their attention. Since we were already well past the originally scheduled closing date, they advised we could close with the erroneous tax estimate, and it could be corrected immediately after closing. Based on the bad estimate, at closing, AimLoan collected a large escrow deposit that more than covered a whole year 's worth of taxes and insurance. After closing, we notified the servicing company of the problem verbally over the phone, and they instructed us to e-mail the correct estimate from the assessor ( which we had to obtain ourselves ), and they would fix the problem. After not hearing from them for a week, we received a statement listing a $ XXXX monthly escrow charge, so we sent them a RESPA notice about the error dated XXXX/XXXX/2015 ( now up to more than 4 separate contacts about the problem ). The only response we received was an acknowledgement dated XXXX/XXXX/2015 that they had received the RESPA notice. Then, on XXXX/XXXX/2015, we received another mortgage statement with the {$480.00} charge still listed. The lack of responsiveness and inability to correct an obvious mistake has prompted this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Risecredit, LLC
State: CA

Complaint narrative:
Screaming at my Manager and sharing informationCalled them names and Hangup every time, Calling my family members and asking for me saying is about credit debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Twin Falls Inc
State: ID

Complaint narrative:
I told Idaho Collection Bureau I could make $ 25 monthly payments at the time and we would revisit an amount in XXXX. They automatically set payment to {$50.00} with out the revisit. When I called XXXX to inform her I was not able to pay that amount she said I said, I said I could. I never said that. I told her I cant pay that amount and she it needs to be raised at the amount that is in there office. I said thank you and she hung up on me. I did not make that payment arrangement or agree to {$50.00} payments

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I received correspondence from Central Credit Services LLC dated XXXX XXXX, 2015, XXXX XXXX XXXX about a debt to XXXX for {$110.00}. I had no idea that I owed this, as this was the very first thing I have received about this debt. In this paperwork it stated that if no payment was made that this would be reported to the credit bereau in 45 days. I made one payment on XXXX XXXX, 2015 for {$25.00} and was just about to make another payment when I received an alert from XXXX XXXX which alerted me to this being reported. This should have never been reported since I made a payment before the 45 day period had ended. I contacted this collection agency twice about getting this removed from my credit reports and both times I was denied. I paid the balance owed on XXXX XXXX, 2015 which was {$94.00}. My point here is I made a payment before the 45 day period ended and if you really want to get technical I paid the entire balance within the 45 day period. 45 days from XXXX XXXX is XXXX XXXX. I feel I am being treated unfairly and I would like this removed from my XXXX, XXXX & XXXX reports.

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 — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I have been receiving phone calls from this company trying to collect a debt on an account that 's been closed. The people that call speak broken XXXX, when I ask where they are located they hang up or say " we ca n't hear you ''. I am attaching a document to show this account was closed

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 2017-03-16 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
Lender called my references and disclosed the fact I had a loan with their company. I had been unable to return calls to XXXX -QC FINANCIAL SERVICES due to my work schedule. Tried to call before and after my scheduled times, and they have no recorder. They called all my references and left a message they were looking for 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 2016-08-31 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Found out ex-roommate obtained a loan using my information thus I am liable. However Upon filing a complaint with XXXX the company attached documentation of amount owed and would never change but is reflecting XXXX as much owed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. My address is : XXXX XXXX XXXX, XXXX, RI XXXX.My date of birth is : XX/XX/XXXX.My social security number is : XXXX 0n XX/XX/XXXX I reported to the credit bureaus that I did not authorize the folowing banks and financial institutions to pull Hard Copy inquiries from my credit report. I also told the dealership not to run my credit with any other banking institution for credit on our new vehicle, I only gave permission only from " XXXX XXXX XXXX '. I told them if their financial institution which is " XXXX XXXX XXXX '' could not finance us, then I do not want to buy the vehicle. I was informed by my sales Representative XXXX, that my credit would not be sent to any other financial institutions. But to my suprise, I found out later that, that was a lie. When I pulled my credit report it had so many more Hard Copy inquiries pulled from the following instututions and banks : -Here are the detail of the hard pull inquiries which Exparian ) are 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX ). I did not give permission to run my credit from all those instititions and banks except " XXXX XXXX XXXX '' who financed the vehicle for us. I wrote the dealer and they did not respond to my request for them to contact the financial institutions and have them to remove those unauthurized inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I like all these banks and institutions remove these unauthurized inquiries. Anything you can do to remove these from my record would be greatly appreciated. Again thank you so much for your help.

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 2016-07-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have several outstanding issues that remain unresolved with my PenFed accounts. 
1. My auto loan title thing remains unresolved. I had previously sent the original title as requested by PenFed. Then when they lost that, I sent a copy. They did n't accept a copy so I had to get a duplicate title which they 've now acknowledged receiving but the issue is not yet put to rest. This was the subject of a previous complaint. 

2. My first mortgage loan still has mortgage insurance on it. This was the subject of a previous complaint - PenFed agreed to remove the mortgage insurance once an appraisal came back with a value that put the loan to value ratio below 80 % ... which has been done but I am still being charged MI. 

3. My home equity line of credit application is still in limbo. 

4. I was charged twice for the appraisal. I was promised a refund but this has not yet materialized. 

5. My application for an XXXX XXXX travel points card has not been processed. 

6. My overdraft line of credit is not linked to my checking account rendering it useless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
called XXXX they said the company shows included in BK and theres a XXXX balance BUT its still being reported as ( OPEN ) I said that is coming up as a Open Collection on my credit report when it was included in BK Ch XXXX and was discharged Ive wrote the creditor several times and called them they claim they do n't report on transunion but they do, they just put the BK in the ( comment ) area that a BK was filed it must be reported as closed once the bk was discharged, and there showing on my credit report all the negative, on the account which they ca n't do once discharged on BK Please help me with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Utah System of Higher Education
State: OR

Complaint narrative:
repeatedly calling me at XXXX XXXX regardless of me telling them to stop calling this early. Im not ignoring their calls during other times of the day. tTey never call during the day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Lvnv Funding garnished over {$10000.00} on a debt that was aged out in Washington state and that had gone through a mediation that had a class action lawsuit against and the mediation was thrown out. They sent out a number of threatening letters that appeared as official documents. The company sent out lawsuit paperwork that appeared as more of the bullying attempts and did not bear official seals of filing. Then without any further notice stole the money out of my account without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
I closed on a mortgage with XXXX Mortgage XXXX NMLS # XXXX on Wednesday XXXX XXXX, 2015. My first payment was due XXXX XXXX, however, I sent it in early and it cleared my bank of XXXX XXXX. I then received a notice from XXXX XXXX XXXX Mortgage on XXXX XXXX that they were transferring my mortgage to Central Mortgage Company NMLS ID : XXXX. I received a notice from Central Mortgage confirming transfer, however, they are saying that I still owe my XXXX XXXX payment. I have tried calling them about XXXX different times, however, their phone number has been busy and they have not responded to my email. I find the lack of contact information on their website or any way to contact an actual person to be very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I received a letter from Debt Collector for LVNV Funding several years ago and in response within 30 days requested validation of the debt. LVNV has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until LVNV provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it vioates the FDCPA and is time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Someone opened a credit card with XXXX.This was not my doing account went into collections and now LVNV funding llc is trying to collect this debt. Please remove this debt from my credit report it is effecting me dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have contacted LV NV funding LLC regarding a loan that I had with XXXX financial as of today I have disputed it with all the credit agency and them numerous times that issue that I have is that in XXXX 2016 they said that I made a XXXX dollar payment on my account which I have not paid a dollar on the account the account is in accurate the amount owed is in accurate the timeframe is in accurate and the whole account is just wrong they refused to remove it they are very very rude I 've asked them to validate the debt and they are not doing so they just keep updating the information I do not owe the {$740.00} the account balance from the last record that I had was XXXX dollars they will not tell me where they arrived at the {$740.00} they will not provide me any documentation showing any information about the debt all they give is the date and the amount that 's it

Company response to consumer: Closed with explanation