vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Loan was transfered to Roundpoint Mortgage and like always I like to set up the automatic withdraw for the payments on a bi-weekly basis. What I understand is that every XXXX weeks the payment is taken out of my bank account automatically and applied to the loan, so the principal and interest is decreased on a bi-weekly basis and twice a year an extra payment is taken out too to be applied to the principal of the loan. In the case of Roundpoint Mortgage company, they did not apply the payment immediately to the balance and interest, they kept is in a special account called SUSPENSE account which did not effect the loan because it was not applied and my principal and interest like it was suppose to do or mean to do. That was not the deal to start this option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I hold a checking account with Capital One Bank that has an associated overdraft credit account. 
Both accounts have been and are in good standing for over 20 years. 
Out of the blue, I receive a letter from Capital One stating my overdraft account has been cancelled because of a dispute I am having with one of their competitors. 
I reiterate, my Capital One checking and overdraft accounts are both current and in good standing. 
Is this not a case of collusion and antitrust? 
At the very time when one might need to be balancing funds between one bank to fight another bank, they collude and pull the financial carpet from under you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Harassing me at work, calling and harassing fellow coworkers, will not answer any questions with any form of pertinent information. Would not tell me what the company was other than a name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: NJ

Complaint narrative:
XXXX states I have a debt of {$410.00} from AFNI. The Creditors Contact Details : AFNI XXXX, IL XXXX. I called the telephone they provided at XXXX. I spoke to a person by the name of XXXX. She checked for the debt via Name and/or Social Security and could n't locate the debt. Can you help me resolve this issues. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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: EOS Holdings, Inc.
State: KS

Complaint narrative:
I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and XXXX to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for ) XXXX these accounts by certified mail, and I 've received NO response from the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
In XXXX 2016 I received a letter in the mail from Mariner Finance thanking me for opening an account. I did not open an account with them so I immediately called the number on the letter and left a message stating as such. I did this twice with no response. A week or so later I received a call from Mariner Finance asking me if I wanted to set up online payments. I told them I never opened an account with them and they said that they sent me a ( NOT requested ) live check in the mail and someone must have cashed it in my name. It has now been months upon months and this issue has not been resolved. I have filed a police report and given them their needed information and still nothing. In the meantime they are reporting that I am late on payments effectively destroying my credit. I will be pursuing legal action if this is not resolved and corrected immediately. After doing research online I have found they are not XXXX accredited and they write " check inside! open immediately! '' on these checks they send out to unsuspecting people putting them at risk for identity theft. This is unethical and unacceptable business practices that need to be corrected.

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 2016-01-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CREDIGY USA CORP.
State: TX

Complaint narrative:
I was notify by my credit union of the writ of garnishment. They have put a hold on my account and my step-father account too. I do not recall this credit card account. I did not receive either notice of either kind. The debt collector paid the amount owed or make a settlement offer. I repeat I do not recall this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I got approved to have my XXXX payment added to end of loan and it was reported late on credit report, this is not correct. I have attached my payment history, XXXX was extended to end of loan there should not be a late. XXXX payment was made XX/XX/XXXX, XXXX payment was made in full XX/XX/XXXX with the additional fees that were on my account, XXXX was made XX/XX/XXXX. My payments are due the XXXX of each month. The payment being extended was reflected in the system because when I login the payment system it reflects how many days late. This has been a problem in the past when I have received a courtesy payment extension to the back of the loan-skip a payment they have reported it as late to credit bureaus and I have to dispute. They should have proper reporting or not offer the service if they are going to hit your credit in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ashwood Financial Inc
State: MO

Complaint narrative:
Daily calls from the debt collector to collect a debt for someone that does not live at this residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I have repeatedly asked them not to contact me at work. Yet they continue to harass me while I 'm working as a XXXX, putting my job and XXXX in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TrueAccord Corp.
State: MN

Complaint narrative:
A payday loan from over 2 years ago from an illegal lender ( no lending license in Minnesota ) called XXXX has sold my contact information to various companies trying to extract a payment from me when I owe nothing more on this former loan. The latest company is called TrueAccord calls from XXXX, XXXX and then text me from XXXX asking me to click onto a link and make a large payment and have called me as well. I do not owe XXXX anything as they are illegal in Minnesota and I do not have to pay anything more than I already paid them 2 years ago. They are saying I suddenly owe a debt of {$1000.00} and that is absolutely not true. They are an unlicensed lender for Minnesota residents. I have had this same sort of call and threat from multiple debt collecters or scammers on behalf of XXXX many times in the last two years and have also filed complaints with the MN attorney general and the minnesota dept of commerce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I made XXXX payments of {$190.00} for a Cash Store debt settlement from XXXX/XXXX/15 - XXXX/XXXX/15 and I received a call yesterday from another collection agency that this debt was not paid

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 2016-11-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Cash store calling 6 times a day on top of that cotton wood financial I guess is an affiliation calling my friends cell. Advised im a non profit payment plan. They did n't care was asked for me to have them send a letter. Family credit faxed them a letter still getting harassing calls they do n't want to release the loan to collections so they can still charge me outrageous interest rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Rhode Island Student Loan Authority
State: NJ

Complaint narrative:
While attending XXXX I took out a student loan with RILSA ( Rhode Island Student Loan Authority ). I recently heard in the news that XXXX under went a lawsuit based on late fee 's they charged. RILSA is charging 6 % of the payment that is due. I feel that 6 % is excessive, as it equates to roughly 10 % of my yearly interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I received a call Monday around XXXX that I have medical debt of {$610.00} dollars that was owed to XXXX XXXX XXXX XXXX from 2013 that I was never made aware of. Since Monday, this company First Financial Investment Funds ( First Financial Asset Management ) has called everyday 8 times a day. They keep calling after I asked them to not call me again. I asked them on Tuesday to send me a bill in the mail at which point I will pay my debts, however I would not be doing so over the phone. Representatives are very rude and do not sound like legitimate company representatives. The reps will not let you get off of the phone with them and it 's always the same people who pick up the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
This debt was wrote off and paid. I have no contract with this company and do not owe this debt. I requested verification and received nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 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: National Account Systems of Omaha, LLC
State: FL

Complaint narrative:
Hi, I recently pulled my credit report and found out that there was a bill listed as late on my credit report that I was unaware of. I contacted National Account Systems of Omaha who had apparently been contracted to collect the debt to resolve the issue. I was fully willing to make payment in full, but requested that they remove the debt from my credit report. During the conversation with a XXXX XXXX XXXX, he was hostile, and argumentative. He stated that they had tried to send numerous requests to my home in XXXX, XXXX ... I live in XXXX, XXXX. He tried to charge me an additional {$160.00} on top of the {$110.00} that is in question. He stated that I was trying to bully him into removing the debt when I stated that I know my rights as as consumer and mentioned that I knew I could contact you for assistance on the matter. 

I simply tried to resolve the matter as soon as I realized what was happening, and streamline the process by contacting them directly. If you could help me get this matter resolved I would like to move on past this. If there is any additional information that I can provide for you ; please let me know. 

I greatly appreciate your time and assistance in this matter. 

Highest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: ID

Complaint narrative:
I did not incur this debt and when does the statue of limitation ends?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC
State: NC

Complaint narrative:
The Company DYNAMIC RS is reporting information on my credit that is not correct from what they are telling me that are the date of services that is showing on my credit is different than that of what they are telling me verbally. I was not notified by this company in writing before they put this information on my credit. Also this information that they are saying that I owed was removed off my credit reports from all the major credit bureaus but since they put different dates of services this is how they were able to get this put back on my credit. I ask them to remove this from my credit and they stated thAT THEY WILL REMOVE IT ... .I HAVE PHONE RECORDING OF THIS BUT NOTHING HAS HAPPENED AS OF YET.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
In XXXX I played XXXX XXXX XXXX XXXX XXXX. I signed up for a membership there to use the facility aside from tennis and changed my mind. 
Within XXXX hours of signing the contract I brought in a letter expressing my desire to void the contract as I would not be using it as I was no longer going to be playing XXXX at the end of the season. The clerk, XXXX I believe his name was, took the letter and attached it to the contract. 
Here it is XX/XX/XXXX, and I am placed in a collection agency and apparently they were told the contract was signed XX/XX/XXXX. This is absolutely false, the agency does not have a copy of the contract which one representative told me she did and they refuse to verify it. 
They call several times a day and tell me I need to email them a dispute but have yet to give me the address to send my dispute. 
This is adversely effecting my credit file and I need it to be fixed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-29 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This company has reported to the bureau an account that does not belong to me. According to the Credit bureau who is reporting this claim failed to make sure that the company completely validated this this is not mine. The account Number is XXXX. 100 % POSITIVE THE ACCOUNT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Dynamic Recovery Solutions, LLC
State: NE

Complaint narrative:
They have called several times from local numbers but are out of XXXX sc. They called about a debt from XXXX yrs ago that has since been taken care of, threatening to put a refusal to pay on my credit report. I googled their name and found thousands of complaints, about how they tried to scam thousands of others. Please shut them down before I become XXXX of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I began receiving phone calls from several different numbers and each time a message is left there is no mention of name as to whom the message is intended. The message only identifies as being from a debt collector demanding a return call to Dynamic Recovery Solutions at XXXX. Each time I receive a phone call it is from a number in Georgia with the most recent being from numbers listed as cell phones. I do not owe any debt to this company nor have I received any written communication as to what this pertains, nor am I past due on ANY of my accounts and have n't been in more than seven years. After checking the internet for information regarding this company I have learned they contact consumers on debts that either do not belong to them, false debts, or on debts that are beyond the statute of limitations and attempt to " restart the clock '' on old ( passed the statute of limitations for collections ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
i have never received any information re this collection that is now appearing on my credit report and I have sent this collector information asking for them to validate and verify the information ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems
State: IL

Complaint narrative:
Midwest recovery has violated all of the issues above. communication I have never heard of them let alone from them at all. they would not verify any debit at all beside from a loan in XXXX, continued to try and collect after a discharged bankruptcy claiming they didnt know, but they knew enough to falsely change the date form XXXX to XXXX to get it on my credit file. 

I have never had any dealings with Midwest recovery syste ever no phone calls, no letters no nothing they have violated the consumer protection act and the collection laws they immediately place an account in collections without notifying me prior to this, they have not retrieved or verified the account they are trying to collect on. I called them at the number listed in a XXXX search at XXXX they told me it was from some loan company that i have never heard of they dropped my credit score by XXXX by placing an account with collections while I 'm in the process of trying to purchase a home, they told me it would take 30 days for removal so now i have to wait 30 days and allow my current creditors to see a negative impact to my credit score. They also told me it was from a loan dated XXXX and they listed with the credit bureau it was from XXXX so they could circumvent my bankruptcy on file that was discharged XXXX XXXX XXXX, so they have lied and purposefully cheated the collection laws to continue to collect on bogus debits

Company response to consumer: Closed with explanation