vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. CMRE FINANCE  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE FINANCIAL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} COLL {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX COLLECTION XP/TU ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX COLLECTION XP/EF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
This is a secondary Complaint to Complaint # XXXX : the answer from Nissan Motor was entirely unresponsive. HEADLINE : I have, and have attached, legal Power of  Attorney. There were numerous docs sent with Complaint, but I am sending only 1 attached document. 

I ask for a responsive answer to Complaint # XXXX, base upon the fact that I possess Power of Attorney for the owner of the financial document, XXXX XXXX. 

I have submitted a Response to Nissan Motor 's Answer as being unresponsive : kindly, submit a productive answer ; or open a dialogue in order to resolve this matter and prevent further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account was settled and closed from XXXX XXXX. however, Experian is refusing to remove it from my credit report nor XXXX XXXX is unable to locate my account ... additionally, XXXX XXXX lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.

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 2018-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: TN

Complaint narrative:
I was inquiring about a home equity line or loan to be in second position and was clear about not wanting to touch my first mortgage. I asked directly and specifically if they do straight 2nd mortgage liens and helocs and he said yes. I told him about another lender only offering a new first and I didn't want that. He said, that is what we specialize in, second mortgages. So based on that information, we applied. After our credit was pulled, he said he would be reviewing all of our application information and get back to us. We scheduled an appointment and when we spoke, he said we can offer you an $ XXXX home equity line of credit but we need to refinance your first mortgage and it will be at a higher rate and payment than what you currently have. How is this not a bait and switch? I told him so and asked that they remove the inquiry and he said he obviously misunderstood what I was looking for ( the conversation was supposed to be on a recorded line ). I want the inquiries that are now reducing my credit score to be removed as I was lied to and convinced to apply based on false product offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have an issue with Discover Student Loans. They have misrepresented my loan and the amount owed to the credit reporting agencies by claiming I had over 6,000 dollars of principle added to my account an have placed over 5,000 dollars of interest that were supposed to go to the principle balance. 

My loan was for XXXX and I paid back over 24,000 dollars. In my billing statements Discover reported that I paid XXXX dollars in principle and over 10,000 in  interest which would have put my principle amount owed to XXXX. They were reporting that I owed over {$18000.00} with about {$14000.00} still remaining on principle. 

I sent in certified letter on XX/XX/XXXX to Discover Student loans to find out where this error came from as I never did a refinancing loan ( consolidation or rehabilitation, etc. ) with there company and asked them to provide proof if I did so. In addition, I told them I wanted a hard copy of my contract with them for review. They did not respond to my letter. I called their company on XX/XX/XXXX and during the conversation the representative said, they received my letter and will sent me the requested documents to the address I gave in the letter. They did not sent out contract and documents requested. 

On XX/XX/XXXX, I called Discover Student Loans again and asked them to receive a hard copy of my contract I signed to obtain my student loan with then and any documents saying I asked for additional funding for my student loan. I asked them directly do they have any documents stating where the extra XXXX dollars of principle came from. They said they did not know, and that it could have been a glitch in their database as they had no records of why my principle amount was altered. They said they would send me my contract in the mail again for my review and would looked in to rectifying this problem. I told them to mark my account as disputed to the credit reporting agencies until this issue was completed. The representative said it would take 3 days to go into affect. 

After checking my credit reports ( XXXX, XXXX, XXXX XXXX ) and not seeing that this account was mark as disputed, nor reviving any information from Discover on this matter, I sent in a second letter which they had to signed for on XX/XX/XXXX demanding a hard copy of my contract with their company and to have the account mark as disputed or be in violation of the Fair Credit Reporting Act 623 after I told them that the account must be reported as disputed. I have repeatedly asked them to show the evidence that I owed XXXX dollars to them and they have chosen to ignore responses and violate the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated  a settlement with XXXX XXXX XXXX - which XXXX accepted. I had nothing ot do with the negotiation. XXXX financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to XXXX XXXX XXXX for GAP Coverage. IN XX/XX/XXXX, XXXX XXXX XXXX advised me that I had to submit a report justifying XXXX, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX an d it then repeatedly sent to XXXX all the documents it had regarding the settlement. XXXX repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, XXXX elected to stop trying t collect from its own subsidiary XXXX then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit. 
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr XXXX  I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own subsidiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX  is reporting a {$190.00} bill on my credit report from XXXX. We have explained to this collection agency, that this service was covered and paid by our health insurance. However, they tell us that they refuse to investigate the matter, and the only thing we can do about it is pay them {$190.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have ongoing disputes that are preventing me from closing this account and they continuingly charging me monthly account fees, plus regardless of what they say if I lose the dispute I am not getting the dispute loss letter in the mail via the Postal Service and when they debit the account I am on aware but all of a sudden I get this email that I owe them fees because of it being overdrawn .. : However I never got the letter they put me no the accounts going to be debited I want to close the XXXX things PNC is the worst bank I ever dealt with, whos a customer for almost 20 years and Im out because the nonsense like this, I have no problems covering the funds that I owe XXXX for any dispute I lost however I am not paying monthly account fees nor am I paying any kind of overdraft fees because I am not using the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
on XX/XX/2014 you went online applied for loan with XXXX XXXX was approved for the loan amount of {$5000.00} XXXX XXXX dollars, was not payments would be taken each time was paid this created a big problem because it made it difficult other bills scheduled for the month.Tried to resolve this initial problem by requesting that payments to be taken only once monthly this never got resolved.XXXX XXXX never changed there position based upon my call for change in the payment structure.we restricted payment on the account by sending moneys via certified certified however moneys were never applied for some reason.funds never transferred out of my account showing payment made, again problem never resolved.When i decided to put a halt to this whole matter by by going to a family member to borrow the money to just pay this loan back minus the payments made totaling {$3500.00} already paid i was told that none of this money paid was applied to principal and my total amount due was over 10,000 I was floored and felt trapped

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Orion Portfolio Services, LLC
State: DE

Complaint narrative:
I was notified XXXX XXXX XXXX ( XXXX ) on XX/XX/2018 regarding an alleged debt on behalf of Orion Portfolio Services , LLC ( see attached ). At that time, I contacted XXXX via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from XXXX dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. XXXX, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to XXXX on XX/XX/2018. At that time, XXXX stated that they closed the account and sent it back to Orion Portfolio Services , LLC ( " Orion '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as XXXX. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and Orion Portfolio Services , LLC ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to Orion Portfolio, and I needed to contact XXXX XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of Orion.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: Equitable Acceptance Corp
State: MD

Complaint narrative:
I was in contact with Equitable Acceptance about cancelling my contract with them. I also asked for a refund of the {$650.00} that i put into this business for them putting my school loan on hold for a year. Thats something i could did on my own for free, my school loan is still the same balance and i want a full refund of the money i put into this company. I was told i can take this to the states attorney which i do not want to do because it shouldnt take that. But Ive waited for two weeks for a response and havent got one.  When i call the company they say they have no file with me anymore its through XXXX XXXX. Which Im not contracted with them either. I paid Equitable Acceptance, so equitable acceptance should be refunding my money. I could use that money and actually apply it towards my school loan, since thats what i was told it would wipe away my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Second Round for Second Rounds failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) wrote to Second Round with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, Second round responded with a letter and statements from the original account. These statements are not enough to show the creditors authority to collect on this debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To : Consumer Financial Protection Bureau My name is XXXX XXXX and I would like to file a complaint. I have been blind-sided by a company named XXXX XXXX XXXX. Unbenounced to me I have started being garnished for a bill that the XXXX XXXX XXXX XXXX paid for me aroundXX/XX/XXXX - XX/XX/XXXX. These bills that they are trying to collect on are 20 years old and most importantly, have already been paid by the XXXX XXXX XXXX XXXX. In addition, I am being garnished by a company I know nothing about. This Midland company came out of nowhere and started a case against me that I just learned about three weeks ago when the garnishment started. I have not received any communication ; no phone calls, no mail correspondents, etc. But my main complaint is I dont owe this bill that they are trying to collect on. 
I have done some of my own research and found that XXXX XXXX XXXX has several names and several lawsuits against them for illegal business practices against consumers. Is this company a fake, are they scan artists, or are they just getting away with stealing money from consumers. I WANT MY MONEY BACK THAT THIS COMPANY HAS STOLEN FROM ME! And how is it that they have lied to my employer and got pass them to garnish me on a fake claim. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
XX/XX/XXXX - Contacted by phone - Contacted them about fraudulent account opened in my name. 
XX/XX/XXXX - Sent Letter - Dispute Letter and XXXX Fraud Questionnaire this included Police Report and FTC Report XX/XX/XXXX - Received bill from XXXX - Called the number given on the bill - I disputed the account and stated that I had been a victim of identity theft. The person on the phone stated that this account is my liability researched by XXXX the investigator. I asked for badge and/or last name of XXXX was denied. I asked the man on the phone for his name and he refused and then hung on me because my spouse was listening, Disconnected without giving me the name @ XXXX XXXX 
XX/XX/XXXX - Sent Letter - Sent FTC Report, Proof of Identity, and FTC Documents to dispute bill. 
XX/XX/XXXX - Received another bill. Called by phone to inform them that they were not supposed to be continuing collections protections.Called and talked to XXXX who tried transferring me to XXXX. XXXX phone was busy. I gave XXXX my cell phone and asked him to have XXXX give me a call. No one called. 
XX/XX/XXXX - Received a collection notice. Called and spoke with XXXX who transferred me to XXXX in Fraud who is  reviewing my bills.If anything is needed, XXXX is going to call or email me. Gave my email to XXXX who states she is going to talk to him in detail and try to get this cleared up. No response. 
XX/XX/XXXX - Received credit update by Identity guard who informed me that the XXXX Bill was still on my credit report ( XXXX Only ). 

The charges have gone from {$3500.00} to well over {$4800.00} even when they knew this was fraud and others on the line knew they had received all of the documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Vehicle was towed by the city of XXXX XXXX  then sold to another person over half a year later and now they are claiming I owe them XXXX for storage fees after the vehicle has been sold and I had spoken with them previously letting them know I no longer wanted the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
numerous calls to fellow past employees, employers and family seeking information about me, they will not state who they are. Asked me to verify my info with out informing who they are and why they want the info. calls daily to many people i do not even know just worked with.

Company response to consumer: Closed with explanation