vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I had an auto loan with Hyundai. The car was deemed a total loss after an accident. GAP insurance was used and the car was paid off in full. Hyundai is reporting to the credit bureaus that it was charged off as well as delinquent payments following the accident.

Company response to consumer: Closed
Consumer complaint received 2016-10-28 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: SC

Complaint narrative:
I have a personal loan through mariner finance.. formerly XXXX in mt.airy, nc XXXX They have been calling XXXX times a day and even calling my work place and disclosing information to my supervisor which I feel is wrong because that 's my personal business and they are telling everyone they talk to the situation of my loan. I know i owe it but I have hit a hard place and got a little behind and called 4 times today ( XX/XX/2016 ) and threatening to take legal action against me for the payment being past due.

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 2015-08-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I purchased a vehicle from Kia motors ( XXXX XXXX ) in XXXX, SC. In XXXX XXXX, I totaled the vehicle. I informed my insurance company ( XXXX ) regarding the accident. Together they paid Kia all of the remaining balance of the vehicle with the exception of approximately {$600.00}. After finding out that I had to pay the remaining money, I paid all except {$300.00}. I checked my credit report and was amazed to find that Kia Motors had my balance remaining at over {$21000.00}. They refused to remove it and put the correct balance on my report. I had been turned down for credit and did n't know why until I saw my report. I called Kia Motors and they refused to change my report until all my balance was paid. No one at Kia mentioned anything about deductibles, or that my credit would be impacted until all monies had been collected on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
Dynamic Recovery Solutions has been pretending to be a law office and harassing myself and my family by calling our cell phones and leaving threatening voice mails on a regular basis. They insist that I call them back over a complaint that has been filed against me or that they will serve me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 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: Omega RMS, LLC
State: CO

Complaint narrative:
I have had XXXX installed as a precaution due to my XXXX, so that when I have a XXXX XXXX I can press my necklace signaling the paramedics. We bought a house and decided to move the system with us. After we moved there were several occasions where my husband and I were called about a burglar alarm, fire alarms and other instances of the alarm being tripped. I would call in several times to speak to someone about the issues because when I would race home, thinking my daughter or mother was in danger ... .everything would be fine. Upon finally reaching someone with XXXX who could pull up my account, they stated that the previous address we moved from was still active and that there was n't much they could do about it. It was too much work to de-activate every sensor in the house. I asked to speak to several different people until they finally agreed to go through and de-activate each sensor. They refused to give me my money back for the 3-4 months the false alarms were going off at the previous residence we lived at. I asked to cancel their services and they refused during our last conversation over the phone. Since that call, I 've been in and out of the country for work and my bank account was hacked and shut off due to the security breach. I 'm still in the process of switching all my automatic bills and such over to the new account. Then I receive a letter from Omega RMS , LLC, a collection agency hired to collect the remaining balance of my contract which is {$760.00}. I spoke with them and they are asking the full amount regardless of the horrible service XXXX has delivered. No one will help me fix the issues because they know we are extremely distraught with their so called security systems and are now demanding we pay the full amount of the contract, even though they did anything but provide security for me and my family. I just wanted to feel safe in my house and I do not with their system not operating to the full extent that we originally agreed on. There should be some sort of clause in that contract that if the security system is defaulting, no charges should be made to the customer otherwise, why should I even have it? If it 's not going to work all the time, what am I paying for? There was no urgency to resolve the issue, when in fact if anything would of been on fire, a emergency medical situation arose or we had been burglarized ; my attorney would of come after them with flying colors due to the issues they would not correct or even take responsibility for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: D.B.M.E., INC
State: CA

Complaint narrative:
I had paid {$140.00} to XXXX on XXXX/XXXX/XXXX for usage from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. My last visit to the facility was well before XXXX/XXXX/XXXX. I had emailed XXXX to discontinue my membership and that I have already fulfilled my mandatory XXXX agreement of staying on as a member to avoid early termination fees. I entered into a year contract from XXXX of XXXX. I know for a fact that XXXX has a record of my attendance, and that my last checked-in usage of the facility was before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX, I received a letter from Dutchess Adjustment Bureau, from XXXX XXXX a debt collector ), as noted in the letter. It says that unless I notify this office within 30 days after receiving this notice that I dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If I notify this office in writing within 30 days from receiving this notice, this office will : obtain verification of the debt or obtain a copy of a judgment and mail me a copy of such judgment or verification. If I request this office in writing within 30 days after receiving this notice, this office will provide me with the name and address of the original creditor, if different from the current creditor. 

I have no idea what this means and they are trying to collect a balance of {$280.00}. Please advise on how I should proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I took out a loan with rise credit in the amount of {$2600.00}. I had made a payment in XXXX and was planning on making my payment when I had another paycheck coming in. After only 60 days Rise Credit underhandedly charged off my account and sold it to a debt collector. I tried calling them and emailing them to set up payments. They refused to take a payment under a non-charged off status. This company illegally and underhandedly sold my debt and collected a profit from selling this to another company by a difference of {$1000.00}. They are doing this to everyone and it needs to stop, profiteering of America and making our debt structure unstable. This has now put a mark on my credit for SEVEN YEARS. They should not be allowed to do business. Their dispute department will not resolve anything and they seem to just want to do things there own way. That is not legal or ethical and I am very upset about this whole thing. I took this loan out and planned on paying it back this year. Now I have to deal with a charge off for SEVEN YEARS and a debt collector calling me. Why should RISE credit be in business and allowed to manipulate people in such a faction? I want answers. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I have notified Simons Agency Inc by Certified mail about this complaint and they completely ignored my complaint about this issue. 

Simons Agency Inc in NY has been trying to illegally collect from me and has left XXXX entries on my credit reports. I have asked NJ Treasury to look up Simons Agency to verify if they are bonded or not ... NJ Treasury has confirmed to me that Simons Agency is not bonded to collect in NJ and is not legally allowed to collect in NJ without bonding. 

According to New Jersey Section 45:18-1 Collection agencies must file bond to engage in the business of collections in NJ, there for Simons Agency is not legally allowed to collect from me or put anything on my credit report because they are not bonded to do so. 

Simons Agency Inc has already broken NJ law and is in violation of the law. I ask that this be fully investigated and to comply with my resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Central Credit Services is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX XXXX XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX credit report. In addition, the date of delinquency is inaccurate as the account began delinquent in 2011 and the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from Central Credit Services indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which Central Credit Services is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.

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 2016-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I received a court document from District Court in MD indicating that I am named as a defendant in a civil case going back to XXXX. The document is in former name that I have not used since XXXX. From the court documents, it showed that this legal office have been sending letters to an address that I have not lived in from XXXX to XXXX under that name and pinned a judgment against me knowing that I would receive the document. I do n't recognize this debts nor have I ever owed any money to XXXX as indicated. This is clearly a tactic used to get the court to issue a judgment in my name for not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 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: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
Repeated calls from a XXXX XXXX Indiana number that says " Hi i am calling from Dynamic Recovery Solutions, a debt collector. I wanted to discuss a matter with you today. Please give me a call back at XXXX. Again that number is toll free and it is XXXX. I look forward to hearing from you ''. I have no debt that I know of, no idea how they got my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Rhode Island Student Loan Authority
State: MA

Complaint narrative:
I was told that if my daughter paid her loans on time for 2 years I could be released as a co signer on 2 loans. She has never been late on a payment and has a credit rating in the XXXX 's. She is paid ahead on her Federal Loans up to 2018. RISLA claims her credit is n't good enough because they do n't count her student loans as part of her credit report. This is not what is stated on any application to RISLA so how can they change our agreement like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
I refinanced my primary mortgage in 2013 with a company called New American Funding. They did lower my rate but told me that I would have to pay MPI because I refinance was over 80 % LTV. During the refinance process, my loan officer XXXX XXXX XXXX ( employee of New American Funding ), told me my MPI would be for 92 months or until my LTV got to 80 %. I have requested my mortgage company to order an appraisal because I believe my house value is high enough to cover the loan at 80 %. When I did this, they told my I had to have the PMI for 11 years ( 132 months ) and that there was no way around it. My challenge is that I was told something else and my loan documents say my term is 92 months max.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Collection Company has purchased from XXXX credit card account that was paid through our using XXXX XXXX XXXX. The collection company FAILED to follow the Federal Law, and is Reporting the Collection as a NEW collection. Additionally, as the attached letter of payment submittal indicates XXXX was sent funds agreed to to settle the debt, and then sent the debt to LVNV who failed to notify or to confirm the debt in the Required time allowed by law. 
In addition, they are transmitting the collection as if it just took place in 2014, and listing the collection multiple times as well. I have notified them via certified mailing, as well as I have disputed this with the Credit Reporting Agencies, that are also in violation and should be notified by the CFPB of their improper handling ( as per Federal Laws ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

LVNV is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 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: MRS BPO, LLC
State: OH

Complaint narrative:
I received a letter stating that I owed money for my XXXX cell phone bill.  However, I am currently up to date with my cell phone payment and have never fallen behind.  Therefore, this debt is completely fictional and I am not going to pay it to this company that claims the debt has fallen into collections.  The company is called "MRS XXXX" from MRS Associates at XXXX NJ XXXX
XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
They called me on XXXX/XXXX/17 @ XXXX I answered they hung up, then they called my mother in law who lives 4 hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it in XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me a XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue the XXXX out of me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.

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 2016-03-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have a XXXX in my office who appears to be a victim of Reverse Mortgage Scam. He is being billed for XXXX and he states he has never received any money from anyone, that either he is a victim of identify theft or mortgage fraud. I called the company who confirmed he indeed had the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
ive had a collections on my credit report for ove 7 sears and the company cant proudce a contract with my singure on nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
I applied for a Small Business Administration XXXX loan with Arvest Bank last year for my VA Certified Service XXXX Veteran Owned Small Business- National Veterans Service Bureau , we were denied. I again filed for a loan XX/XX/XXXX we were denied again after getting XXXX worth of Student Loans removed for XXXX student loan discharge. We asked for a review when I was able to remove XXXX out of XXXX collections items from my credit report. Again we were denied. I filed a complaint with the SBA OIG, we are awaiting the result of complaint to have Arvest removed from the SBA Lender List for racial and XXXX discrimination because on the last loan denial they said I had no income while I deposit XXXX a year in Payroll deposits and VA XXXX Pay. It has been one lie or reason after another. 

The reason I am filing this complaint is that now I have begun recieving retaliation in the form of deposits being held back, debit card transactions being held then posted when funds are low, I have over draft protection and they are sending checks back even when I call them and ask is there a transaction posting today they say no then put a transaction and returned the check, and I had called them asking them to call me or pay the check. They held transactions for over 7 days then put XXXX or XXXX transactions on the account at one time, putting me over the over draft limit, but again I tried to work with them by calling them. 

Fyi the Head of the Missouri Arvest Bank XXXX XXXX has been in communications with me, I also contacted their corporate office in XXXX Ark. I told them if the retaliatory transactions continued I would be filing a complaint with your office. I have also filed complaints with non us government companies about the racial and XXXX discrimination see the following link for more information. 

XXXX I do not want another XXXX veteran firm to be treated this way thank you for your help

Company response to consumer: Closed with explanation