vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-08 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: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I received several letters from Trasworld Systems stating I owe XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo. Phone XXXX. The sum of {$99.00}. I called XXXX XXXX & they told me that my account was paid in full. To ignore the Collection Agency. I do n't want this to affect my credit score & I want Transworld to leave me alone. I called Transworld but could never get through. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MT

Complaint narrative:
HSBC has a charge off listed on my credit report that I have disputed numerous times. Each and every time I have disputed it, it has come back as verified. However when I have contacted Hsbc they have stated they have no knowledge of this account. So, my question is how can they possibly verify it if they have no information. It was removed from my reports for one day and than magically reappeared after the CEO received my email providing them with the details from my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I purchased a XXXX jeep patriot XXXX/XXXX/2015 and my interest rate is very high at 17.9 % the suv is {$25000.00} and it 's a 6yr. term buy the time it 's payed off i would have payed over {$39000.00} for it. what can i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Synovus Bank
State: GA

Complaint narrative:
Unfair and deceptive practices ( violation of the FTC act ). Synovus ' postal letters claim that I am not eligible for loan mitigation after 120 days past due. My loan is not 120 days overdue ( i am currently past due on XXXX payment of of XXXX/XXXX/2016 ) however they are denying me that opportunity. I received email from Synovus corporate counsel that I must bring my loan up to date or they will not extend the mitigation opportunity to me. I have the email when we makes that clear. If you want copies of the letters and his email please le me know and I will fax them to you at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber
State: CA

Complaint narrative:
This debt was part of a debt that was illegally placed on my credit report for cedars sinai which recalled all my medical bills due to their violation of not notifying me of this. First of all this was illegally placed on my credit report without first notifying me by phone, mail or any other method. cedar sinai has recalled this which was marked paid. A direct violation of Fair Debt Collection Practices Act ( FDCPA ) Grant & Webber are in violation of the Fair Debt Collection Practices Act ( FDCPA ) no mail, no phone call, no letter was ever sent to me, just parking it on my report on experian.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: LDF Holdings, LLC
State: AL

Complaint narrative:
I lost my job in XXXX. I paid XXXX and XXXX and the first payment for XXXX but was unable to pay the second installment for XXXX. I received an email notice of the missed payment on XXXX, which I responded to and received a very cordial response. The day after the email conversation, the phone calls began, up to XXXX calls a day. I have tno is explaining to them even sending a second email stating that I would pay no later than XXXX XXXX, as I have gotten another job with a start date of XXXX/XXXX/17. I finally sent a Cease and Desist email XXXX and another on XXXX after the calls continued. The calls have began this morning again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Green Square Company LLC.
State: NM

Complaint narrative:
This company continues to call my cell, my spouse 's cell, children 's phones, and parent 's. I have never had this debt and they call from different phone numbers. They claim to have my bank info, ss #, and e-mail address.

Company response to consumer: Closed
Consumer complaint received 2016-01-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amity Associates LLC
State: NJ

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, it seems that I have an open debt collection with Amity Associates in New Jersey. This seems to be due to an amount of money that I owe to a former dentist of mine from 6 years ago. I have just checked what the status of this debt is, and it is open currently. I would like to know why they have this account open and have not made any effort to contact me regarding this issue these past years. My goal is to have a reliable credit score, however this debt collector has a negative impact on my credit score. I would like to settle this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The only blemish on my credit reports is as a co-signer on my son 's auto loan from XX/XX/XXXX. After the car was stolen in XX/XX/XXXX, it was recovered and turned over to Santander Consumer USA. Neither I nor, as far as I know, my son was properly notified. Instead, it went to auction. I may have helped him recover the car, if I had known all the facts! Just learned these details from my credit report! 
Manager " XXXX '' at Santander says he understands my plight fully, has " no dog in this fight, '' and would like to take it off my credit report, but " can not '' w/o your approval!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, Chrysler Capital hired XXXX to repossess my XXXX Chrysler 300C, of which I had no balance to pay on and Chrysler Capital had no right to a lien on the vehicle. In XXXX XXXX, I filed chapter XXXX bankruptcy, Chrysler Capital did n't file a reaffirmation agreement, even after me calling XXXX times for them to send it to me to sign and file. In XXXX XXXX, the Bankruptcy was XXXX, which put me in a position of not being liable for any balance owed. Because Chrysler Capital did n't file the reaffirmation agreement before the bankruptcy XXXX. In XXXX XXXX I sent Chrysler Capital a restrictive endorsement in exchange for the Title to the vehicle. Chrysler Capital agreed to relinquish the right to the lien on the vehicle and send me the Title by cashing the check. So, XXXX. I am not responsible for any remaining balance on the vehicle. XXXX. Chrysler Capital accepted the money for exchange for the lien and Title of the vehicle. XXXX. Chrysler Capital hired XXXX XXXX to take my vehicle illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My vehicle has been repossessed through SanAnder. Overdue balance has been paid, but I 've been trying to reach tow vendor for two days with no luck. I get charged 25 % interest rate and I might have to pay tow vendor {$150.00} a day for storage fees. How is this ok? 
When I contacted Santander consumer USA, they said they could n't help, and that I should keep trying to contact the vendor, while the vendor has n't returned my voice messages for two days. The vendors name is XXXX XXXX XXXX, phone no. XXXX. 

I just want to get my vehicle back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Our loan was purchased by Santander Consumer from XXXX and they are saying we opted to skip a whole year worth of payments during the time the loan was with XXXX. We never authorized payments to be skipped and Santander can not provide me with documentation proving we made the authorization. The loan matured in XXXX and continues to accrue late fees and interest. I have making payments but recently lost my job and the remaining balance of {$1500.00} is being deemed due immediately or they will pick up the 2005 XXXX XXXX with no option to work out the remaining {$1500.00} balance. In reality we should have paid the loan in full in XXXX and need proof from Santander that we in fact approved the payments to be skipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
Chrysler Capital is reporting as a repossession/charge off on my credit report but it is not. It was redeemed some time ago and I need it to show accurately. They are in violation by reporting wrong. It needs to show Open, active.. Redeemed repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
I was XXXX when this all took place so this should n't have went against my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Green Square Company LLC.
State: CA

Complaint narrative:
I received an automated message on my direct line at work, which referenced my debt, failure to honor a payment arrangement, and a threat of legal action if I failed to respond. This phone line is forwarded to a co-worker when I 'm away from my desk, at lunch, or off for the day. Anyone who happened to answer the call, would have heard this information about my personal debt, which could be detrimental to my reputation at work, and my chances to promote.

Company response to consumer: Closed
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I received 2 phone calls today from a Robo-dialer and returned the call to a company called Dynamic Recovery Solutions. They claimed I owed a debt of {$130.00} from account XXXX which was opened in XX/XX/XXXX and payments were made until XX/XX/XXXX. 
Firstly, I never had an account with XXXX or the wireless companies they acquired. Secondly, this debt is far outside the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I keep getting harassing phone calls on my cell phone from Dynamics Recovery Solutions. I do not owe any debt yet they keep calling me despite being told that I am not the person they are trying to contact!!. Now they are even calling my cell phone!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
The company deducts interest from partial principal payments when paying scheduled installment payments. 

The company does not have a means for consumers to make payments to principal balance only. 

The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE
State: UT

Complaint narrative:
I requested an escrow waiver agreement from my mortgage provider and learned there would be a {$510.00} fee attached if I no longer wanted them to collect the monthly escrow fee. When I questioned XXXX XXXX at Aimloan ( XXXX ) I was told this is standard procedure. Is this truly the case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc.
State: CO

Complaint narrative:
Well this happened in XXXX XXXX 2016 and i was working and my boss needed me to get some materials so i took the work truck. On my way to work i accently rear ended a lady, nothing too bad just a back bumper and the left taillight were damaged from what i could see. I contacted my boss and he spoke with the lady saying he would take care of it and he would pay for the repairs. So thats exactly what happened like XXXX 3 weeks later he told me he payed XXXX for the repairs and stuff and she took her car and left. She didnt contact him anymore or anything and when i went to court a month later she wasnt there either. I payed my court fees and that was the end of that .well i thought so until i receice a letter from XXXX stating that i crashed XXXX of their customers on XXXX XXXX 2016 when it was on XXXX XXXX 2016 and it stated that i owed an amount of {$4300.00} for crashing her and to add my insurance agency details i added my boss 's insurance company instead since i feel it was his vehicle that wasnt insured i dont get why my insurance agency needs to be contacted.so i sent the letter and like 3 weeks later i get a letter from collection saying i still owe those {$4300.00}. Im really confused and kinda mad as to why i need to pay this debt when first of all my boss payed her costs and why am i bearly getting this when this happened 5 months ago. I kind of think she 's trying to get money out of this situation since im guessing she didnt report it at the crash scene. Whatever the case is i shouldnt be paying all this money i feel that this debt should n't exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$200.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE
State: VA

Complaint narrative:
I have had a loan with AIM since 2010, I have been paying twice a month all along. Well I am getting documents together for the sale of this property, and I find out that AIM has been keeping my first monthly payment in a non-interest bearing account until the second payment comes in and applying it all at once. I received absolutely NO benefit from paying twice a month like I expected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: IL

Complaint narrative:
I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus XXXX as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
In XXXX I took out a payday loan from the XXXX in Illinois, I though the loan had been satisfied, but apparently it had n't. On XXXX/XXXX/XXXX I received a call on my work phone from XXXX stating that I needed to contact " XXXX XXXX '' ( XXXX ) and give them claim number XXXX XXXX XXXX. The informed me that the debt was a breach of contract and that was being sued and was in legal trouble for this situation.

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 2016-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Called into Hyundai Motor Finance on XXXX/XXXX/16 - to question why Hyundai Motor Finance has me XXXX days deliquient on my car payment. Stayed on hold for 15mins. Hung-up, and called back. Customer Serv Rep by the name of XXXX answered call. Explained to her that I am not 58 days past due according to my own records. She explained that I made partial payments for XXXX & XXXX. I explained to XXXX my records indicate me sending in more than my monthly payment each month. She explained that I have unpaid late fee 's and that the overage payments are not being applied to the late fee 's. She explained I need to call into Hyundai Motor Finance after each payment and advise them to apply my payments to late fee 's. I asked her to apply my payments to what I am billed. She said she can not reverse the payments and re-apply. I asked to speak with a manager in which she explained the Manager ( XXXX ) said she could not re-apply the late fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
Receivables Performance Managemet calls multiple times a day looking for someone who is not us. We have told them they have the wrong number but they continue to call. Furthermore, most times when they call and we answer, they put us on hold then hang up on us. We then have to call back to talk to a human. When we call back, about 50 % of the time, they hang up and 50 % of the time someone answers. This is extremely unprofessional and frustrating, especially when we have told them that we are not the person they are looking for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: Paris and Paris, LLP
State: CA

Complaint narrative:
I have been making monthly payments of {$200.00} to Paris & Paris to pay off a outstanding loan balance to XXXX California. I initially sent a payment of {$2000.00} and have been making payments of {$200.00} for more than 2 years. I had been making payments of {$250.00} prior to this before missing several payments due to financial troubles which did not allow me the chance keep up with the payments. Since them I have kept my payments on time. I asked to see a statement of my beginning balance minus all my payments plus interest to see how much was left on this debt, but was denied. I believe that is not legally right, and I want to know exactly what I have left to pay off my debt. Please left me know if I have a legal right to this information. Thank you.

Company response to consumer: Closed with non-monetary relief