vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
In XXXX XXXX, I paid this debt in full in the amount of {$940.00} to the original creditor XXXX XXXX. As a result, the debt was also removed from my credit file and XXXX XXXX presented a XXXX dollar balance. On XXXX XXXX, XXXX, I received communication from Dynamics recovery attempting to solicit monies in the amount of {$1000.00}, which is even more than the original paid debt. The collection letter states they are working on behalf of a company called XXXX not the actual original creditor XXXX. The letter states XXXX owns the alleged debt. I 've never received communication from either company prior to this date. This appears to be a recycling of previous debts and fraudulent activity as I do not owe the alleged debt to Dynamic Recovery or XXXX. After receipt of the letter, I contacted XXXX XXXX who was able to confirm that I do not owe any money. I want this company to cease from any further communications or collection attempts on a debt I do not owe to them. Please stop selling my information to obtain financial gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Law Offices of Burr & Reid, LLP
State: NY

Complaint narrative:
Burr and Rheid have non stop harassed me with thratening letters without any real cause or even any amount owed and by whom which the debt is owed. Also when you try to contact them they eefuse to answer the phone.

Company response to consumer: Closed
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portland Credit Inc
State: WA

Complaint narrative:
the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. Portland Credit, INC and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I have a personal loan with XXXX XXXX, which I am couple of months behind on right now. I am going through a financial hardship I already talked to them on the phone about a week ago and tried to workout some type of hardship payment plan, where I would pay the interest only on the payment. They said they do n't do that. I told them not to call my work, I ca n't take personal calls at work. Which XXXX from Mariner Finance from phone number XXXX called my work today ( XXXX/XXXX/2015 ) at XXXX am talked to my Manager to verify employment and asked for my company 's address to submit a wage garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
lease vehicle. at the end of lease i decided to buy the car. paid off the amount requested and the company have n't sent me my letter if completion and my updated title to show no liens attached

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Summary : we agreed on a $ XXXX/ month payment for 36 months and XXXX miles/year on a leased vehicle from XXXX XXXX ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX , IN XXXX. After we agreed on the price of the vehicle and 36 month terms, the salesperson XXXX XXXX came to us and said they made an error and did n't figure in the correct amount of sales tax and the new total with tire protection would be {$540.00} per month. I authorized the deal. 
Problem : The terms changed after we agreed on the deal, Fraud & Deception. We later leaned that a document for 48 months on XXXX page and 36 months referenced in another section ( attached ). we 've made several calls and have written several notes and have not received a response resolving this fraudulent action. When we initially discussed it with XXXX ( salesperson ) and the Finance Mgr. we were informed that there were XXXX options presented, XXXX for 36 mo and XXXX for 48 mo tosign. This is not true. 48 months was never discussed or part of the terms. We would have never agreed to 48 month terms. We are requesting the following:1 ) the correct terms of 36 months be applied to the lease, or2 ) Return the vehicle and terminate the lease. 
Thank you for assisting in the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
We got a little behind on a loan after being good customers for over a year. They served us and we paid them in cash the court costs and the payments to get caught up ( this was XX/XX/2015 ). A week later they say we are behind we call repeatedly to try and determine what is going on. They refuse to take our calls and hang up when we give our name. In XX/XX/XXXX they claim they are taking us back to court and I write them a letter to call my mother because they refuse to take our calls. The agreement was {$75.00} every two weeks. Total amount owed court costs included was supposedly {$1400.00}?? this was verbally given they refused to give us anything in writing and they refused to give us the corporate number. XXXX the local manager was difficult to work with. No missed payments between XX/XX/XXXX and XX/XX/XXXX {$900.00} paid. Called for pay off and were told {$990.00}??. Called another store to get manager 's name and number. XXXX XXXX called claiming that she was the manager but she called from XXXX store. She will not listen she claims we owe {$640.00} and the {$350.00} in fees. She claims her employees would never be dishonest and if we had paid on time it would not have come to this. Ignoring the multiple attempts to make arrangements that they would not answer.

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 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Vision Financial Corp.
State: WA

Complaint narrative:
At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 

2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. 

This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,

Company response to consumer: Closed
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
Watermark XXXX made errors in the process of refinancing my loan that caused the excessive delays. On XXXX XXXX, they sent me an email telling me that our rate lock had expired and they were unable to get an extension so the loan would not be going forward. I asked the loan officer, XXXX XXXX, when the lock had expired and he told me it had expired on XXXX XXXX. According to the rate lock agreement which they drafted and signed, the rate lock was not to have expired until XXXX XXXX. They lied about the expiration date when they said the lock had expired. They took 24 days to provide XXXX documents they already had on hand to a third party lien holder simply because they lost track of the detail. I have the email chain from the third party documenting how long it took. When I asked about the delay, they lied and told me that the third party was causing the delay. Email documents that they did not cause the delay. They did not answer my multiple questions about when the loan would be closing. They did not inform me that I was at risk for losing my rate because they had not done the simple work they were required to do. Their failure to complete their work within the specified time resulted in the loss of a loan that was approximately .75 % lower than the current market. Multiple calls to the lender have been unable to resolve the problem and, to date, they have not even refunded my out of pocket costs. If they had done their job, the loan would have closed. They made serious errors and the result will potentially cost me many thousands of dollars over the life of the loan. An email and a call to the owner of the company have gone unanswered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: CA

Complaint narrative:
I had a forbearance with my initial mortgage company. At the end of the forbearance my loan was sold to XXXX. XXXX XXXX asked me to continue with my old payments and did not send me coupons for the amount due at the end of the forbearance. I had paid for about a year and they did n't credit me with the last XXXX payments which were as they said the wrong amount - but kept the money in a holding account. They then refused to accept payments from me and have begun a foreclosure on me. They refuse to work with me in any way. Since then I have lost my job, but am able to make the payment going forward. They claim I owe {$22000.00} back payments. I assert they are acted in bad faith and did not follow the terms of the contract when they assumed the loan. I have further filed papers through their system twice which insist on their format and have been denied twice. I do not have a lawyer to sue them or contact them which is the only way they take calls. I am now being forced to file Chapter XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I had a car loan with Kia Motors Finance. My car was hit XXXX while the car was parked. My insurance company paid off the loan but paid more than the balance of the loan and Kia Motors Finance refuses to return the balance. Although this is a small amount, I believe this occurs to many many people and we have no other recourse. It is impossible to get a live person to speak to on the phone and the XXXX letters I have sent have resulted in no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I have car lease on my name but the car is for my daughter ; she has bad credit and thethe financial company refuse to pass the contract lease to may Daughter ; we my wife and myself wear in the proses to refinance de mortgage and the late payments of my daughter affect our credit it is my problem l

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: FL

Complaint narrative:
after filing a complaint with XXXX I have noticed I am not able to get into my account and I have noticed just before this happened that rush card has been taking XXXX out of my account on a daily basic saying its for XXXX i have not used rushcard for such transaction and they have been taking over XXXX out of my account and wont refund it i sent in all doc saying its not me and copies of all info they wanted after 90 days rushcards closed the case and kept my money and now after trying to get to my account they have blocked me from it my social secuirty money goes there and after social secuirty had deposit XXXX for back money owed to me rushcard stole it and is saying they have no record of money going to XXXX i printed the statement before being locked out of my account and now nothing is going to be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
A card that I always used Had said it was it was deactivated contacted rushcard many of times would even get hung up on bounced around no solution given and I ended up receiving an eviction letter from my landlord there 's money missing off of my account there is double charges and still no answers I have XXXX children XXXX with XXXX and I 'm a single parent where we supposed to go and all we can get is no fees for certain amount of time and an apology

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: PR

Complaint narrative:
XX/XX/2015. Website is down this morning. Tried to call customer service about this, but no one answers due to inordinately high call volume. Missed out in trading opportunities. Ca n't imagine what a predicament I would be in if I wanted to exit/enter a position. I have found Scottrade 's service to be erratic over the past couple years.

Company response to consumer: Closed
Consumer complaint received 2017-02-01 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: IL

Complaint narrative:
I contacted Rushcard on XX/XX/XXXX and was informed my card was cancelled because they had sent out a new card and it was returned. I advised them the address was wrong and I had money left on the card in my possession. They advised me they could n't deactivate so I told them to close account and send me a check for {$110.00} ..They sent check to wrong address and it was returned. They sent me an email saying they had my funds and would reissue the check. It 's now XX/XX/XXXX and still have not received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
RushCard sent out a message that they were updating their systems 2 weeks ago. I am currently unemployed and have to count on my unemployment to pay bills and feed my family.. I have called from XXXX XXXX/XXXX/15 and was hung up on XXXX times ... I was told on my XXXX call to go to the ATM for my online access is currently showing suspended and when I call to check my card it states : " Your card is not activated ''. I tried the ATM to no avail and called a XXXX time and the rep. stated that there is nothing they can do for the 33 % of customers that can not access their money ... I think that this is unfair when you expect to get your fees!!! We as consumers are ; being told to sit and wait on a text as to when you can access your funds no expected date can be given ... I will not continue to use Rush and will advise all of America not to use them ... ... This is Robbery!!!! We need HELP NOW!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I have a Rushcard and as of today I still do not have access to my funds. I have called numerous times and have been given false information. On XXXX occasions, I was told my card would be unblocked in XXXX hours. I was also given conflicting stories by customer service agents and put on hold for long periods of time or hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: IN

Complaint narrative:
Calls frequently using an automated system, never anyone on the line when you answer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: AL

Complaint narrative:
I called Rushcard to dispute a charge on my account. The woman said it would take approximately 90 days to handle the dispute. She said it would be faster to get my daughter to give me the {$88.00} back which was the charge amount, because it was from her insurance making the charge to my account. I had previously paid my daughter 's Insurance the month before and apparently the insurance company had went ahead and took out her insurance charge again the next month. Then the woman proceeded to say that she had to cancel my card and that it was standard procedure. I told her that she could not cancel my card, because I had a direct deposit coming through the next day that I needed and that I needed my funds to take care of my bills and my children. I told her not to cancel my card. I told her several times not to cancel my card and that I needed my funds to take care of my family and my bills. I told her she better not cancel my card. She kept saying she had to cancel my card. I told her I needed to speak to her supervisor. After all the time she spent on the phone saying she had to cancel my card she never really handled what I called about which was disputing the insurance charge. After I was on hold for a long time I talked to the supervisor who checked my account and said that the card had been cancelled by the previous woman she then proceeded to tell me that it would take 7 days to get me another card ; however, she could charge me {$30.00} to get me an expedited card which she would take out of my direct deposit when it hit the next day. My complaint is that I never wanted my card cancelled in the first place I told the lady that I intended to cancel my card myself after I received my direct deposit and that I did not want her to cancel my card and that I would do it myself and that I feel I should not have been charged {$30.00} for an expedited card when I did not want my card cancelled in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. 
I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: GA

Complaint narrative:
rush card promised to have pay roll and government checks direct deposited and posted and available 2-days prior .last week i didnt receive my direct deposit until the day of my pay day. this week i have not received my direct deposit at all i am paid weekly wednesday by my employer but my initial pay day is friday. my employer sent my pay but rushcard has given me every excuse and even hung up on me on occasions because i asked for a set date and time frame i should have my money. they even told me to go to a money pass atm because the money is there i did my balance still says XXXX im behind on bills, i have no groceries, i cant pay my son school fees. i need and want my money NOW or im forced to cancel my services i cant take this weekly my rent is about to br due so is another pay period i refuse to give them XXXX checks that i cant access an use.

Company response to consumer: Closed with monetary relief