vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I applied for a MasterCard through Barclaycard bank in XXXX of XXXX. On XXXX XXXX, XXXX, I received a letter from Barclaycard confirming my eligibility to receive XXXX ( XXXX ) benefits. The letter stated that the following terms would apply to my MasterCard Gold Card account as long as I was on XXXX XXXX. 
-The Annual Percentage Rate ( APR ) for all balances have been lowered to 0.0 % -All transaction fees, if any, will be waived -Any transaction fees and finance charges applied since your XXXX XXXX start date of XXXX XXXX, XXXX will be credited back to you. 
On XXXX XXXX, XXXX, I received a letter from Barclaycard stating that they reviewed their Department of Defense records and discovered that my account is not eligible to receive the protection under the XXXX but they extended certain benefits to my account based on their policy. The letter goes on to state going forward Barclaycard will no longer waive the annual fee for my account and as a result a charge of {$990.00} will be appear on my statement in XXXX XXXX ; however, the 0 % APR and other fees will still apply while I 'm on XXXX XXXX.

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 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Medical Credit Corporation, Inc.
State: NC

Complaint narrative:
Merchants and Medical Credit is has continuously attempted to collect XXXX XXXX debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on XXXX of the accounts by {$1.00} and listed them XXXX as closed collection accounts. The following week, the accounts are listed as open collections with the balance on XXXX being decreased by {$1.00}. 
Merchants and Medical Credit has failed to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Federal Pacific Credit Company, LLC
State: ID

Complaint narrative:
I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
XXXX Scott Caruthers is harassing me at work. I have a recorded call the gentleman being very rude without disclosing the purpose for the call at my place of work

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: AK

Complaint narrative:
I am getting collection notices from a company call LoanCare that I am behind in my mortgage payments. I get a call each day, but the last digit on the phone number does not register on my phone.But I have an auto save on numbers calling in as proof. 
LOANCARE XXXX, VA XXXX I do not have any contractual relations with this company. Only collection notices, see attached samples. I pay my mortgage each month to another company on time.

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 2017-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ROC Asset Solutions, LLC
State: TX

Complaint narrative:
API calls themselves a " Mediation Firm. '' This is a euphemism for a debt collector. They have called my number ( above ) numerous times during work hours. Thirty minutes ago, they left a message with my employer. Twice within the last 48 hours, they called my mother in Florida. Several of the voice mails for me reference that " I have a decision to make '' after stating the license and make of my vehicles. The lady with whom I spoke on the phone a few moments ago was incredibly rude after I asked her company to provide me a " validation of debt letter. '' She said they emailed one. They did a few weeks ago. I requested, per law, that her company send it through the US mail. She replied, " What, now you 're an expert on Fair Trade Law! You 're a professional debtor! '' Then she hung up. The case number in reference is XXXX. Before I got mad on the phone, I asked if we could be congenial since there are Fair Trade Practices for debt collectors, or as she calls them " mediation firms. '' She remained ugly on the phone. As stated, they have called me multiple times and left threatening messages ; they have called family members multiple times. Enough phone harassment.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Wilson, Riley & Associates
State: FL

Complaint narrative:
Originally I received call from Wilson, Rilley, and Associates stating charges were pending against me in XXXX XXXX county and unless debt resolved I would be served by sheriff at my place of work or home. I made payment arrangements however the amount due of debt kept changing and when I requested record of payments it was more than originally advised. I later received call advising since a payment was declined they would have their attorney reinstate original charges against me and add additional charge of declining a charge over state lines. Later I receivea another voice mail claiming they were from County service and I wld be served at work for charge against me within 48 hours unless I contacted the plantiff.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation
State: SC

Complaint narrative:
I am a victim of identity theft dating back to XX/XX/XXXX, my wallet was lost, in it were my ID, and social card. This company name Avant Inc, Acct # XXXX .... out of XXXX, let someone get a fraudulent loan in my name for {$3300.00} in XX/XX/XXXX. I went to my local police when I saw it on my credit report. They told me since I could n't prove it happened in their jurisdiction, they could n't issue me a report, there was nothing they could do. They told me to contact the credit bureaus and have them take care of it. So thats what I did. I have disputed this information until I am blue in the face. The credit bureaus wo n't remove this account. 

XX/XX/XXXX I contacted Avant Inc directly by mail. I told them this was a fraudulent account, I asked them to send me copies of the loan agreement contract, so I can compare the signatures. As I know it would n't be mine. They never sent me anything. Of course they going say they did n't receive the letter. So I disputed the account again and it was n't removed. 

So XX/XX/XXXX, I wrote them again and again asked for them to send me copies of the loan agreement contract, so I can compare the signatures. Of course they going to say they did n't receive this letter either. I also spoke to a lawyer, that told me that once, I get the the loan agreement contract, do a notarized affidavit of forgery, and send back with the loan contract signature, and that would be enough proof to show I did n't take out a loan or sign the loan papers, and the company would remove the account from my credit report within 30 days. The lawyer said it was simple business contract law. The signatures do n't match, so the fraudulent contract would be invalid and I would be released from liability, because I did n't opened the account. 

Today is XX/XX/XXXX and Avant Inc, still has not replied to any of the letters and never sent me any loan agreement contract, with my signature. They have not sent me anything. 

How can this company, place a fraudulent account on my credit report? I requested documentation on 2 occasions, they will not send it. This is the 7th month since requesting copies of the loan agreement contract. 

They will not respond, because these documents do not exist. They try to take advantage of the little person, because they are a big multi national corporation. I want this account removed from my credit reports. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called to negotiate a credit payment. I was asked how much I was able to make and put in my payment. They said they were going to put me on a program so I could work on paying off my credit card. They said they were lowering the interest and they were going to accept my lower payment. I received a phone call this morning saying I had n't paid the full amount and still owed money. This was news to me since I was under the understanding that the amount I had put in was fine. Now my minimum payments seem to be higher than before I called. I 'm really frustrated because I feel like I was lied to when I called to negotiate so they could get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
In reference to complaint # XXXX, Seterus quoted the following : " if Borrower is obligated to pay Escrow Items directly ... Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section XXXX and pay such amount and Borrower shall then be obligated under Section XXXX to repay to Lender any such amount. ". This is not valid in my case. Because, I am under monthly payment arrangement with the County of XXXX to pay my property taxes. Therefore, 'Borrower fails to pay the amount due for an Escrow Item ' does not apply in my case. XXXX mortgage probably recognized the mistake, and did not open a regular escrow account in which they will make the payment of property taxes as part of monthly regular mortgage payment. XXXX mortgage payment resulted in excess payment of property taxes and the County of XXXX returned the excess payment to me. Seterus also made the same mistake and failed to check either with me or with the County of XXXX whether there is any payment arrangement. Seterus ignorance of XXXX actions and their own failures to verify the status of property tax payment arrangements, they opened escrow account resulted in serious financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
Equifax will not provide my credit report to me. I was recently denied credit and am entitled to a free copy of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: High Point Asset Inc
State: MO

Complaint narrative:
This message for XXXX XXXX and further steps will be taken if you do not respond to this call today. 
Call XXXX. 
calls at work and leaves messages daily and also my cell phone. 
Total debt collection scam. The term " person of interest '' is used in criminal investigations. This is just an attempt to scare you into paying them some money. Just because someone on the phone calling you says you owe a debt does not mean you actually owe it. 
If a voice on the telephone claims you owe a debt : XXXX ( Threatening criminal process in order to collect a civil debt is a clear violation of the Federal Fair Debt Collection Practices Act. ) Last known address : HIGH POINT ASSET INC XXXX XXXX XXXX XXXX, NEW YORK, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
PCR wh a private company collection agency. I owed some back taxes to NJ. I got a notice from the State. I paid it! 
Then PCR said I also owed a penalty to the State BUT they also added on {$3000.00} for collection to them, PCR. 
I feel this amount is outrageous!

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wife and I deposited my XXXX refund check into my account at Bank of America ( like I do every year ), then proceeded to schedule credit card payments against the check. I made the deposit into an ATM with Teller Assist ( a new feature they have seeing they replaced most of the live tellers ). Got an email this morning that the bank has rejected the check, seeing that we made it into an ATM instead of going to a live person. Had we gone to the window, everything would be fine. In the meantime, my accounts are now massively overdrawn, all the money from the savings account transferred into checking, and fees being charged ( or will be charged ) all over the place. And, they are mailing the check back to me - which will take XXXX business days - for me to redeposit with a teller. There are no signs, warnings, or anything else that explain this. In fact, I 've deposited much larger checks into the ATM with Teller Assist many, many times. But now, this has ruined us for the short term. Talked with the most useless manager - XXXX ( # XXXX ) at BoA - but they wo n't do anything.

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 2017-03-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
This credit card was made when I was a minor, I was not aware of this made until years later. I thought I had resolved it when I reported it a two months ago but it continues to affect my credit score and continues to request payments.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cornerstone Mitigation
State: FL

Complaint narrative:
Calling me at work for {$1000.00} in fees

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: WY

Complaint narrative:
I called my Student Loan company Navient today because I wanted to ask about how to pay off my loan in full. I needed to also turn off my automatic payment which would come out of my bank on the XX/XX/XXXX to avoid over payment. I was told I would need to shut off my auto pay online only. I said I would send in the full amount for XXXX private loans adding up to over {$19000.00}. I was told I needed to sign in online. I just wanted address so my bank could send the payment correctly. 

I am on XXXX and have a lump sum settlement from my XXXX. Anyways when I checked online, it shows my federal loans paid off which is correct but my private loans are no where to be found. I have a XXXX balance with Navient. What my loans are being moved? No contact, not even told this on the phone. 

So how do I get the loans paid off, I do not want those automatic payments coming out of my account I notified them in time to stop them before the XX/XX/XXXX. I want to be done with this craziness. Ugh! Hate this company, horrible to work with, horrible customer service. Was never like this with XXXX. Can you help me find my loans? I am sure you will be better help they their are! I have another small XXXX with another company XXXX something or another for just over {$700.00}. I sure hope I can pay that off with out a hassle. I just want to pay it off so that my XXXX income can just go to meds, doctor bills, food, and XXXX rent. Imagine this I want to pay them completely off and they did not have the decency to tell on the phone they have been moved elsewhere? No go fight with their horrible website to then find out that you can not shut off the automatic payment. Guess I am calling the credit unit to stop the transfers. Horrible company. 

P.S. My father is retired XXXX, and a co-signer. He took me back in when I became too sick with XXXX 's XXXX. I just want to break free from these loans so that they do not impact his retirement or credit. It will give me piece of mind after I move into XXXX housing next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I banked @ Huntington. I 've had identity theft. Requested a new card, checking and savings account number. I called 3 days in a row and nothing was done. I went to the branch and the young lady really helped me. While going through her process she noticed a XXXX $ charge trying to come through. She admitted I had serious problems. She opened a new account and debit card. Also disputed the charges against my account. The next day they closed my account and refuse to investigate the charges against me. Everyone in customer service were very rude with attitudes. I ca n't pay my bills. I have nothing. I have to wait for tem to send the XXXX $ back to me. I filed bankrupt, therefore they were willing to open another account. I had identity theft then. Now they are saying I am high risk. My accounts were open when I told them that a representative advised me that it appears to be identity theft. The credit bureau advised me as well. All I am asking is what is owed to me. Customer Service has only given me nasty attitudes. They closed my accounts because of the disputes, although I alerted then when I first recognized them. I have to continue suffering because my direct deposits have to be rerouted as well as my checks bouncing..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
XXXX CO - I purchased a truck from XXXX XXXX XXXX when they would finance the warranty. I have not received payment for the lawsuit filed on them to repay individual who were subject to this financing. When I called XXXX they stated they did not know what I was talking about. How do I proceed to get my refund from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Recovery Group
State: TX

Complaint narrative:
I HAVE A COMPANY THAT CONTINURES TO CALL MY CELL PHONE AND I HAVE INFORMED THEM I AM NOT THE PERSON THEY ARE LOOKING FOR. THEY CONTINUALLY CALL EVERYDAY. THIS TIME THEY HAVE CONTACT 7 TIMES WITHIN 5 MINUSTED OVER AND OVER. THEY ARE CALLING MY CELL XXXX LOOKING FOR XXXX XXXX AND I AM XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My husband and I are trying to pay off our mortgage. We made a payment XXXX in XX/XX/XXXX to go to principal only. They only applied XXXX to principal and the rest on insurance which makes no sense because our insurance is through the payment and is up to date. I called and the representative said that was a mistake and it was fixed and would show up on the account in five days. So when I called back in five days it was not fixed. She told us that the request was put in but never completed and she would put in another request and would take another five days! We have been trying to pay this off since XX/XX/2016! We have gotten the run around for months and we have been lied to over and over. We have had this loan for over twenty years so we sent in a offer to pay the loan to see if they would take less. We were told they approved this offer then they ordered XXXX appraisals of the property. After some digging we found out that they only do appraisals in a foreclosure. We called back only to find out that not only was the pay off request not sent in also the lady we talked to does n't work there any more. We are at our wits end and need help. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pinnacle Asset Management, LLC
State: CA

Complaint narrative:
Debt collector going by the name of XXXX XXXX XXXX XXXX, keeps calling my family members and leaving threatening voicemails. Their threatening voicemails include statements like " We are trying to locate him, and if he does not call us back we will take legal action. '' They leave threatening voicemails on relative phones in order to try and scare me into calling them. 

I have no idea who this " debt collector '' is, nor do they identify themselves as a debt collector which is a flagrant violation of the Fair Debt Collections Practices Act. Their threats are also a violation of the Fair Debt Collections Practices Act. 

I do n't want any further communication from this " debt collector ''.

Company response to consumer: Untimely response