vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: George Gusses Co., L.P.A.
State: MD

Complaint narrative:
I received a debt settlement letter from a collection agency for a medical bill. The last day to pay the settlement amount is on XXXX/XXXX/2016 ; today is XXXX/XXXX/2016. I called today to pay the debt in full, but was told that the bill was sent to their attorney 's office and the collection agency could not talk to me or receive a payment from me. I was told that if the collection agency spoke with me, that it would be against the law. The letter mailed did not mention anything about the account being sent to an attorney 's office, if contact was not made. I tried to inform the collection agency about the settlement letter received, but again I was told that they could not talk to me. I then spoke to someone in their attorney 's office and was told that the settlement offer ( which expires tomorrow ) will not be honored because the bill was now in the attorney 's office. I was told to call back on XXXX/XXXX/2016 at noon and the supervisor ( who was not in at the time of my call ) will make a decision whether to honor the settlement price, which was unlikely. I even faxed a copy of the settlement letter as proof, because the attorney 's office did not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Cooper Hoffman Klein Associates
State: AL

Complaint narrative:
I received a payday loan from XXXX in XXXX. I was under the impression that they took the funds from account. However early in the year of XXXX my mom was contacted stating that a company had a warrant out for my arrest if I did not contact them. So I contacted the company handling the situation for XXXX XXXX. I told them I never performed any fraud and that XXXX had their money. They explained that they did n't and thatvi needed to pay ASAP. I informed them of the amount that I was able. The company stated that was not acceptable. I did pay them XXXX $ towards the debt. But they contacted all my references that I used and them that I performed fraudalant activities and was facing jail time. They call my phone at least XXXX to 30 times each day back to back. This almost cost me to lose my job.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested the validity of a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and via email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you guys in hope you can assist in getting this resolved once and for all. 

Thanks in advance for your help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to reach out to XXXX to understand why they are reporting that I still have a balance. I 've sent multiple certified letters to them at the address listed on my credit reports, and the certified letters keep coming back to me as undeliverable. Yet when I request validation of this account and balance from the credit bureaus, my account is being updated as validated by XXXX. I 'm not receiving any documentation or validation, yet when the credit bureaus reach out to them, by credit report loses points because XXXX somehow validates this account and begins to report it again. I have verified several times that my certified letters are going to the same address that is listed on my credit reports and there is no phone number listed for them. This is absolutely ridiculous and really hindering me from obtaining certain credit lines.

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 non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Manhattan Beach Venture, LLC
State: MO

Complaint narrative:
A company by the name of student loan relief department informed me that I would be able to get a $ XXXXmonth student loan relief plan if I paid them about {$2000.00} for their services for filing the annual paperwork ( broken up into {$35.00} payments over four years ). I was referred to this company by my little sister and her spouse who have also enlisted this company 's service. After contacting my federal student loan company, I was made aware that is program is a scam and does not forgive my student loans. The fraudulent company has my social security number, applied for loan forbearance on my behalf and even provided me with a fafsa pin and username. I have since changed my fafsa pin and username, am currently monitoring my credit and will be cancelling my bank account that I have given the company to withdraw monthly payments from. When contacting their customer service to try to cancel services with them, I either get hung up on or I am on an indefinite hold. Even when contacting the original representative that I spoke with to set this agreement up, conveniently his phone goes straight to voicemail and his mailbox can not accept any new voicemails. After speaking with my loan provider, I found out the service that this company provides is available for free and has to go through the loan provided to be valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
It became necessary for me to accept a loan modification agreement to ease the financial burden placed upon me. 
I asked for the complete documentation so I could look over the details. I was told by One Main Financial representative that no other documents existed and that it would remove the late payment history from my credit report. 
I was also told that there would be no extra charges for doing this. I continued to ask for paperwork which I was told did n't exist. I was told that I only needed to worry about the one piece of paper, which only included new interest rate, length of new terms, and total to be paid back. 
Now on my last statement is a remark of an extra charge of almost XXXX that will be added at the ending date of the loan. None of this was divulged to me before signing the agreement. Now they say they are going to mail me the full agreement. It seems to have magically appeared with the company but I have never seen it. 
The representative that did the loan modification does not work there any longer and all I have gotten as an answer is " we are sorry and you will see when we mail you the documents. '' Also the original loan is still showing on my credit report as late. I was told by their representative that this modification would bring my account to current status and my credit report would reflect this. 
So far this is not true. I have been lied to, pressured into signing the loan modification agreement before they revealed all details of the agreement. And now they want to reveal documentation that I knew existed but was told by many reps of the company several times before and after signing that did n't exist. I was rushed and pressured into this agreement and assured the whole agreement was on 1 piece of paper. Just sign, and return with a check. I did what they asked but they never divulged the full agreement. Only a cover page with basic terms ... ..nothing said about add-ons at a later date or ever. Now they say they have both agreements and will send them out to me and they are sorry that this has happened. This apology does not excuse their practices, nor does terminating a representative or having a representative quit. It was the rush, pressure, and misinformation from this representative that the company is responsible for. 
How would you feel if you bought a new car and found out on your 5th payment you were going to be charged extra for the tires that were on it????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of idenity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
M & T Bank recently acquired my mortgage. I was notified by my previous lender. I did not receive any information from M & T bank until XX/XX/2017 by mail via a letter dated XX/XX/2017. Their payment system was non-functional until XX/XX/2017, 10 days after my payment was due for XX/XX/2017. I made a payment but had to do so between website outages which were explained to me as daily " maintenance '' outages. I have never encountered any banking website or payment website that has such frequent outages. 

On XX/XX/2017, I attempted to make my XX/XX/XXXX payment and again found their payment system non-functional. Although it allowed me to view my loan, attempting to make a payment redirected me to another site which redirected me back to my loan information page, providing no mechanism to pay. 

This will again force me to make a payment late due to the bank 's inability to accept my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: MA

Complaint narrative:
The XXXX is selling fake consumer debt portfolios to collection agencies. The XXXX is collecting these monies to unjustly enrich its stakeholders and/or increase its stock value. 

The XXXX 's is an apartment complex for students at the University of XXXX. 

I never had a valid contract with the XXXX because I 1 ) failed to obtain a guarantor or 2 ) failed to paid XXXX ( XXXX ) times the month rent as a deposit. 1 or 2 were an essential condition of the application to rent ; the XXXX now claims was also a rental agreement. I did not meet the conditions of the application to rent, Therefore a contract does not exist. 

The XXXX sold a fake debt in my name to Southern Management System, XXXX XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX. 

The XXXX did not take a particular dwelling off the market since The XXXX never received a completed lease agreement and any other required information or monies to rent that dwelling.. There is no original of the Lease Contract because it was never fully signed since I did not meet the essential conditions of the application to rent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
OM MULTIPLE OCCASIONS I WAS CONTACTED BY CBA IN REGARDS TO DEBT COLLECTION. I RECENTLY PAID OFF SEVERAL ACCOUNTS I HAD LISTED WITH THIS CREDITOR AND NEVER HAD A PROBLEM WITH CUSTOMER SERVICE UNTIL XXXX OF THIS YEAR. THE YOUNG LADY THAT GOT ASSIGNED TO MY ACCOUNTS WAS VERY RUDE TO ME EVERY TIME SHE CALLED MY CELL PHONE. i EXPLAINED THE PRONUNCIATION OF MY LAST NAME AT LEAST 3 TIMES IN ONE CALL AND THE YOUNG LADY CONTINUED TO PRONOUNCE MY NAME WRONG EVERT TIME SHE SAID IT AS IF SHE WAS MOCKING ME FOR CORRECTING HER PRONUNCIATION. THE YOUNG LADY CALLED ME A XXXX BEFORE HANGING UP IN MY FACE. I THEN CALLED BACK TO THE CREDITOR AND ASKED TO SPEAK TO HER MANAGER AND HAD TO WAIT ON HOLD 30 MINUTES FOR THEM TO TELL ME THAT SHE WOULD GIVE ME A CALL BACK LATER THAT SHE WAS BUSY. LATER THAT DAY THE MANAGER RETURNED MY CALL AND WAS INITIALLY RUDE TO ME ON THE CALL AS WELL. WHEN I EXPLAINED THE SITUATION TO HER ABOUT THE LANGUAGE USED AND THE TERRIBLE CUSTOMER SERVICE USED DURING THE PRIOR CALL WITH HER ASSOCIATE SHE BEGAN TO CALM DOWN SOMEWHAT AND LISTEN TO WHAT I HAD TO SAY. I EXPLAINED TO THE MANAGER THAT I WAS PREPARED TO MAKE A PAYMENT ON ONE OF MY ACCOUNTS AND SHE TOOK THE PAYMENT AND ALL WAS WELL AND SHE APOLOGIZED FOR HER ASSOCIATED BEHAVIOR. I ASKED IF MY ACCOUNTS COULD BE MOVED TO A DIFFERENT ASSOCIATE AND THE MANAGER INFORMED ME THAT SHE COULDNT DO THAT. MY ACCOUNTS HAD TO REMAIN WITH THIS RUDE LADY. SO, A FEW DAYS LATER THE ASSOCIATE OVER MY ACCOUNTS CALLS MY CELL PHONE AGAIN AND PURPOSELY MISPRONOUNCES MY LAST NAME WITH A CHUCKLE BEHIND IT AS IF SHE WAS MOCKING ME AND MY LAST NAME YET AGAIN. I STILL HAVE ACCOUNTS WITH THIS CREDITOR AND WANT TO RESOLVE THEM BUT I CANT EVEN GET THROUGH A PHONE CALL WITH THIS PERSON WITHOUT BEING MOCKED AND MY LAST NAME BEING MADE FUN OF. ALSO AFTER MY PHONE CONFRONTATION WITH THIS LADY DAYS LATER THERE WERE NEW ACCOUNTS POSTED TO MY CREDIT REPORT THAT HAD PREVIOUSLY BEEN CLOSED AND THEY WERE RE-REPORTED UNDER DIFFERENT DATES AND XXXX OF THE ACCOUNTS WERE DUPLICATED TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
I received notification from XXXX that a new account was sent to collections. After reviewing the account, the account is not mine, I do n't recognize that balance or that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.

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 2017-04-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Coastal Credit, LLC
State: CO

Complaint narrative:
Coastal Credit,XXXX, XXXX, CO XXXX, issued a loan to me for a XXXX. I purchased the XXXX from XXXXXXXX, XXXX, CO XXXX ( Exhibit A ). I returned the vehicle prior to 3 business as the dealership violated the Law of the State of Colorado. I contacted Coastal Credit regarding the returned vehicle and instructed them to withdrawal their EFT payment to XXXX. The company refused. I hired the law firm of XXXX, XXXX, XXXX, XXXX, to defend me regarding the actions of XXXX employees ( Exhibit B1 and B2 ). In addition, I contacted State of Colorado Criminal Investigator, XXXX, to file a criminal complaint against XXXX. Attorneys for XXXX agreed to settle out of court and refund Coastal Credit for the cost of the loan. I continued to pay Coastal Credit timely payments until the lawsuit terms indicated I no longer had to as Coastal Credit was made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However, Coastal Credit refused to honor Colorado law and victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and XXXX was to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to Coastal Credit, returned the vehicle to Coastal Credit as I was directed by the court to do and I was not required to make any further payments to Coastal Credit. Coastal Credit failed to file theft charges against XXXX or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with XXXX, XXXX, and XXXX by Coastal Credit is a fraudulent entry must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Pinnacle Asset Management, LLC
State: NV

Complaint narrative:
They are calling my work, friends, coworkers and saying they 're garnishing my checks and putting a lien on my home. They are calling everyone multiple times a day and refuse to send me proof of the debt. Also stating tbey served me papers in XX/XX/XXXX, for a debt from XX/XX/XXXX that was discharged.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Earm LLC
State: AL

Complaint narrative:
I have been receiving phone calls from a debt collector telling me that I am going to be to served at work and possibly taken to jail. When I call the number given, I get connected to very rude " employees '' with vague information. All they can tell me is that I got a payday loan in 2009 for {$400.00} that was never paid back. They claim the loan has grown to {$800.00}, but they can accept a lower payment over the phone and this will all go away. I asked them to identify themselves and all they can tell me is their company name, MAC ... ( 1 ) I would never apply for a payday loan ( 2 ) I would never give my credit card number to some random person that called me on the phone. 
This person had my social security number and an old address, but no recent information. The only way they got my phone number was by contacting my brother. 

The phone number I 'm asked to call is XXXX # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Student Debt Center LLC
State: CO

Complaint narrative:
I had filed with a debt forgiveness program call Student Debt Center. I have been in contact with their rep named XXXX XXXX, she informed me there was a {$600.00} one time fee for the services provided. I then payed this amount I was then informed that there would no longer be any payments that would be made due to the fact that I had payed the {$600.00}. Today I XXXX/XXXX/16 I saw a payment to XXXX who has my student loan of {$120.00}. I called and talked to them to find out why my payment was made. I was informed it was because I had auto debit and they had only received the paperwork only yesterday. I then spoke with the rep and told her the situation. She then informed me that the debt forgiveness program was supposed to be a free service and that I needed to file a complaint as soon as possible. She then refered me to this federal branch I was then instructed to file my complain online and contact legal aid which I have done. I would like to have my {$600.00} returned seeing as that there is only XXXX income for my house hold and I have a young baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX, my attorney submitted all required documents to Carrington Mortgage for their review for a Short Sale. Carrington set the file up on Equator for processing. In XXXX, they demanded that a junior lienholder supply a payoff statement In 7 days, and it took us 8 days to get the document, so they reset the file. We submitted the file again, and they negotiated with us to submission for approval. While waiting for investor approval, we were informed that they had forgotten to put the file through a " waterfall '' process, and had to start over, in XX/XX/XXXX. After weeks of calling and getting unclear or contradicting answers, all documents were confirmed received in XXXX and we were told to wait 30 days, until the " waterfall '' was complete. On XX/XX/XXXX, we were told the " waterfall '' was complete, and that we could proceed with a short sale, but that the foreclosure sale date was 10 days away, and they would push that out to XX/XX/XXXX Today, they said that participating in the short sale was no longer " in their best interest '' and that they would let the property go to foreclosure on Friday, XX/XX/XXXX. Attached, however, is the Conditional Approval Letter they sent in XXXX, when they had first completed the waterfall process. They lied to us, strung us along, and dropped the file just close enough to the foreclosure date that we could not restart. This is a systemic issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: SC

Complaint narrative:
FTC Ref No. XXXX. I have sent letters, faxes and emails to Fedloan servicing. They have denied me access to their website. They can not provide a XXXX form for tax year XX/XX/XXXX, XX/XX/XXXX. I sent them information that the XXXX refunded my credit card and returned all money. I received no money from FedLoan servicing. I did not need a loan from them because I was in a certificate program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: OK

Complaint narrative:
Called to collect a phony debt for a company I 've never heard of.

Company response to consumer: Untimely response