vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: AR

Complaint narrative:
Lady from Dynamic Recovery Solutions left a message to call her at the XXXX # concerning the debt collection against me. I do not have any collections against me. I have an " excellent " credit score which I checked 1 day ago. I did not nor ever will call back. They do not ask for anyone by name. In the past, I have gotten a very similar message, but I can not verify if it was the same #. Because of the nature of the call, I believe they were trying to sell something, or lying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Service Finance Holdings, LLC
State: TN

Complaint narrative:
We were over 30 days late making a payment on this loan account. The loan company reported this to the credit agencies ( as we would expect them to do. ) However, they have reported that our loan was a mortgage. It is not a mortgage loan, it is a non-secured installment loan for an HVAC unit. We have asked repetitively for the company to change this or give us a written statement that this is not a mortgage loan so we could have it changed, and they refuse. We paid to have this investigated by XXXX XXXX. These are the results we received. " The rescore/investigation for XXXX XXXX is now complete. RS ... XXXX XXXX IN INVESTIGATION XXXX WAS UNABLE TO SPEAK WITH A LIVE REP ' ... XXXX XXXX COMPLETE 'ACCOUNT CURRENTLY DISPLAING AS TYPE XXXX HOME IMPROV. INSTALLMENT LOAN AND NOT MORTGAGE ... XXXX XXXX COMPLETE ... XXXX XXXX ORDERED ( XXXX ) What this means is they were able to receive an update with the correct information from XXXX ( XXXX ) & XXXX ( XXXX ). They were not able to speak with someone from XXXX and have therefore opened an investigation that should be done within 30 days./The creditor responded to XXXX on XXXX and stated account currently displaying as type XXXX home improvement installment loan and the creditor responded to XXXX on XXXX stating account currently reporting correctly as a mortgage.

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 2016-08-11 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 {$30.00}. I want all this medicals bills to be removed and a zero 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 2015-08-22 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: Radius Global Solutions LLC
State: KS

Complaint narrative:
I already submitted a complaint, case number XXXX in XXXX. The debt collector agreed I did not owe this debt and removed it, and now XXXX XXXX ( which by the way is not a company that actually exists, and must be someone going around illegally trying to collect money ) has gone with a new debt collector. Their name is XXXX XXXX XXXX, XXXX. The client reference number is XXXX XXXX. I submitted a complaint against the other debt collector and XXXX XXXX XXXX XXXX, yet they seem to be allowed to harass me with a new debt collector. They are using my maiden name ( which has n't been used since XXXX ) and SSN. I do n't understand why this continues to occur, so can someone please stop this harassment? Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt was granted a discharge under section XXXX ( a ) of title XXXX back in 2000.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: Hunt & Henriques
State: CA

Complaint narrative:
I sent payment through my bank online. Informed XXXX from Hunt and Henriques that payment was sent and that it might take 5 days for them to receive. She calls me and leaves me a message that payment has not been received. I checked my online banking and it says payment is " paid ''. I also printed out a proof of payment. Called and spoke with XXXX again to let her know that my checking account is reflecting the payment has been paid and asked her to double check. She says she does n't see payment has been paid and does't double check. I ask her again to check, She insist she does n't see it and to call back later to check 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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Never requested this inquiry. Dont even know what it is

Company response to consumer: Closed
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have a loan with Hyundai Motor Finance for a XXXX Hyundai. The loan became mature in XX/XX/XXXX, however because of financial difficulties through out the year, I had to have payments deferred to the back of the loan. I am now making those deferred payments each month, but the finance company calls demanding the payments in full which I can not do, I have to make one payment at a time and there is a contract signed with them showing this for me. I have told them not to call my home, but they call anyway. I am tired of explaining to them every time I speak with them that I have their permission to make singular payments, I do n't need to harassed by them when I am 2 weeks late with a payment. I 'm doing the best I can. I have a XXXX wife to care for and XXXX income to work with. This is outrageous that they use threats and bullying tactics to try to get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Razor Capital, LLC
State: IN

Complaint narrative:
XXXX AND RAZOR ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' XXXX COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
XXXX COUNTS OF F.C.R.A. 
XXXX COUNTS OF T.C.P.A. 
XXXX COUNTS OF F.D.C.P.A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Vision Financial Corp.
State: CA

Complaint narrative:
Hello, XXXX years ago I settled with a debt collector on a loan I had on my car. The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. I had a seller for it XXXX year ago for {$800.00}, but they backed out because I did n't have the pink slip. Can you help me? 
Hello, Two years ago I settled with a debt collector on a loan I had on my car. ( XXXX ) The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. Can you help me? 

Vision FinancialXXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 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
Consumer complaint received 2016-01-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I was approved for a Title Loan from XXXX XXXX, Part of deal was to pay off old debt with Mariner Finance. I am XXXX and on ly receive XXXX, So I am judgement proof. SO after Mariner receive. The create a second loan for {$250.00} stating my original was paid in less then in full. and do a charge off and report on my credit report as bad debt reported for collections. Mariner is a Predatory Finance COMPANY. i WOULD urge OTHERS TO STAY AWAY FROM them. Originally WHEN THEY BOUGHT OUT XXXX XXXX OF XXXX, XXXX. I WOULD N'T PUT UP WITH THERE HARASSMENT, SO I DISCONNECTED MY NUMBER. THE WENT IN TO MY ORIGINAL HARD COPY PAPERWORK KEPT IN THE BACK ROOM TO FIND MY REFERENCES. SOME MALE COLLECTOR FROM OUT OF TOWN. CALLED EX POLICE XXXX XXXX. WHO HAPPENS TO BE A NEIGHBOR. HE STATED TO HIM BACK IN XXXX OF XXXX. THAT HE WAS A RECRUITER FOR THEM AND I FILLED OUT A JOB APPLICATION. HE COULD N'T REACH ME AND WAS HOPING XXXX HAD MY NEW NUMBER. 

WHEN I MENTIONED THIS XXXX FROM MARINER WHEN MAKING THIS DEAL. THEY WANTED TO I GUESS PUNISH FURTHER. WHAT XXXX ARE THESE PEOPLE. 


Bad Debt ; Placed for collection ; ( XXXX ) - MARINER FINANCE , LLC XXXX XXXX, XXXX MARINER FINANCE , LLC has flagged your account as Bad Debt ; Placed for collection ; ( XXXX ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert DateXXXX XXXX, XXXX SourceXXXX CompanyMARINER FINANCE, LLC Payment StatusBad Debt ; Placed for collection ; ( XXXX ) Status DateXXXX XXXX, XXXX Balance {$0.00} Balance DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If you feel you are a victim of identity theft, please contact a XXXX Specialist at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
A lady by the name of XXXX XXXX fron XXXX, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.

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 2016-12-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
A few years ago I was fooled into attending online classes from XXXX university. The classes were worthless and the credits were not able to be transferred to a local university I decided to transfer my degree to. I was under the impression that my loans were all federal, and all through XXXX. I recently had to file bankrupcty and I was aware that my federal student loans were not going to be discharged, and after I received my discharge papers I sat down to go through the mess of student loans. Now all my loans seem to be serviced by navient, including XXXX loan in particular that is a private loan for XXXX university. This loan in particular is listed as a private student loan from XXXX university. There was a lawsuit against the original servicing company and I have already filed for bankruptcy personally. I have spoken with representatives from navient and have repeatedly requested the promissory notes and loan documents but they refuse to provide them. They simply state they have my social security number and am liable for the debt. I was rather naive regarding attending XXXX university and at the time they had all the bells and whistles that made it look like they were going to be a fair and advantageous school to attend. I was sadly mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted by a collection agency about a credit card that I did not know existed. After speaking to them they agreed to turn the debt back to Bank of America as a possible fraud situation. I contacted B of A 3 times by letter explaining that I did not live at the billing address and had n't since XXXX. It appears that my ex wife was using the card, I asked for a copy of the card application and the charges, I also gave them my correct address. This started in XXXX, to date there has been only XXXX response which states that they changed my address in XXXX XXXX. In the mean time they charged off the debt and sent me a XXXX this year for over {$10000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I originally submitted complaint : XXXX. Basically, I thought the income difference between what I reported and what BofA reported was a result of the settlement with XXXX XXXX. In BofA 's response to this complaint, they sent the attached letter clearly showing it was a result of a foreclosure sale on the property on XX/XX/XXXX. My concern is that I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and declared this property in the case. On XX/XX/XXXX I was successfully discharged. 

There are NO tax consequences for debts discharged in bankruptcy. So should NOT be taxed on what they did n't get at the foreclosure sale. The bankruptcy protects me from that tax. Here 's the link to the XXXX website that says that. XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have been paying on my school loan consistently since XXXX. It originally was about XXXX with the first dispursment beginning in XXXX and today I still owe XXXX. It says my loans will not be paid off til XXXX if I pay {$220.00} a month. I do n't understand! Most of my payments were {$200.00} or more and some times the entire amount would go toward interest or fees. In XXXX, they forced my mom, sinced she cosigned, to pay {$510.00} a month when she was unable because she was going through treatment for a sickness. After I had already been paying {$220.00} a month. After 2 months I was able to get her out of that. Navient has also drafted money from my account before and it did not go toward my account. It I went back and forth with them for about 6 months and still never received my money back and it did not go toward my account. They said they did not take any payment so I sent them my bank statement 3 times and every time they said they never received it. I was never reimbursed. My account online does not match to what they say when I call. They have pushed me to forbearances for just one month behind and now I have none left for a time that I really need it. My mom cosigned the loans. In XXXX, she was trying to buy a house. Upon looking at her credit, Navient was on her credit for {$1000.00}. She paid it just to get it off her credit. Where did that money go? There are no transactions on my account anywhere. When I try to call for anything they are very rude and nasty especially when they are in the wrong they get defensive. I feel like my money is being taken and I am being taken advantage of because I have no other options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Someone fraudulently used my debit card. I tried to call Bank of America to report it but after waiting on hold for 30 minutes ... ... .... I hung up. I called back and talked with a customer Rep and she apologized but told me that there were long wait or hold times on the phone to report fraud for a debit card. If it had been a credit card then I could file the fraud complaint online. But could not file a complaint for a debit card. If someone has my card number and is charging fraudulent charges, it can be used just like a credit card. Except they are going through real liquid cash! This needs to changed ASAP.

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 monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America still calling my house and harassing me to sign notary papers for FHA modification. Received XXXX calls past XXXX days

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I co signed XXXX loans for my son years ago with XXXX XXXX now Navient and we have had nothing but trouble from them. At first he would pay his loans on time then fell behind and would pay late but would pay. Anytime I would reply to letters/bills from them asking for help from them it was always 3 options and 3 only. One was that they would reduce the amount owed if he would pay them off ( If he could do that he would have no trouble making payments ) or call to go over his options etc but they offered no real help. We got a call from one woman, who said she was a supervisor and wanted to resolve this and help him out. She explained that " if he would make a {$90.00} payment today, it would bring his XXXX loans current and this would be his new payment. ME : Is this per loan or combined? NAVIENT : This is combined. ME : So {$90.00} dollars is his new payment total for both loans? NAVIENT : Correct. ME : So he will no longer be behind, his accounts will be current and you do what? Tack what he was behind on to the end of the loans and he starts fresh? NAVIENT : Yes. '' WRONG! WRONG! WRONG! This became a " NEW '' loan to which neither of us knew we were opening or agreeing to!! We found this out when they withdrew ( or attempted to ) the {$90.00} and his normal monthly payments from his bank accounts! When I called to speak with the woman ( whose name and info I literally threw out months ago ) I was told " Oh she no longer works here ''. Right. XXXX XXXX XXXX, I got a call from a law firm that I hired to pay off debt I had incurred supporting my mother and my son and his wife while they were in school. They told me to call them regarding my account. My debt was paid off and my account closed in XXXX XXXX. The law firm would n't give them any info and even asked why they were asking about an account with them and Navient said " Oh someone told us ''. They were never even listed in my debt repayment. I thought this was illegal. I asked my son if he mentioned anything to Navient and he said no. These people are crooks who lie cheat and steal. I am a widow on a fixed income for XXXX and can not afford to pay these loans ( I was able at the time I signed and did make some ). I have no pension no nothing left. I pray you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On or about XXXX XXXX, 2017, I paid, via check, {$6600.00}, as payment in full, to Bank of America via personal check drawn from XXXX XXXX XXXX XXXX. The check was deposited upon receipt and the funds were withdrawn from my account. Despite this payment, Bank of America refuses to credit my account. Instead, Bank of America assessed a late fee, sent a threatening letter, and provided misleading information to the credit bureaus re : my account.

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