vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: OR

Complaint narrative:
Debt was paid & account closed via XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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: Stellar Recovery, Inc.
State: OH

Complaint narrative:
The account number I have available is XXXX. I expect it to be deleted from all three bureaus immediately. I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. When i paid XXXX, I was advised it would be deleted from my credit reports upon receiving full payment. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. Stellar Recovery makes false statements, regarding the account. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: NV

Complaint narrative:
I checked XXXX and read that my credit was poor. I did further investigation and found that everything that I am in debt for are n't from me. I did not open the accounts, nor did I make payments to the accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Go Capital Holdings, LLC
State: OH

Complaint narrative:
I am a Veteran currently being seen by the VA for XXXX. I was unemployed for a short period of time and now have a job that only pays $ XXXX. I have fallen behind on my car payments and need the company to work with me so that I can keep the car and continue to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Comerica
State: MI

Complaint narrative:
It all started on XXXX XXXX, 2015, I have my payroll check deposit on my prepaid card, i check my balance on my card and it was well over {$300.00} dollars so I went into XXXX and pick up some lunch and to my surprise I could not use my card. I tried XXXX and it would not go through so I went outside to call and see what the problem was and they could not find anything wrong. It took two days for them to tell me that Comerica had my account block because I owe the over {$600.00} dollars, I ask them to cancel my card because I have not been to Comerica in over thirty years, They would not cancel the card so I cancelled my direct deposit for my check and the card is still open and they will not give me my balance that remains and all of the bills I use to pay this card with I had to change them but they are telling the bill people the card is over charged but I ca n't even use this card anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Pinnacle Credit Services, LLC
State: ME

Complaint narrative:
Pinnacle told me to not fight this anymore cause they day account is mine I have asked them to send assigned contract to prove its mine same response every time they have over XXXX compliant online needs to have something done about it they threatened me when I called

Company response to consumer: Closed
Consumer complaint received 2016-02-18 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: Pinnacle Credit Services, LLC
State: ME

Complaint narrative:
The Collection Agency has no right to contact me. They are not licensees of the State of Maine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter repossessed a 2008 ford fusion sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. Exeter sold this account for pennies of the dollar to XXXX XXXX XXXX of XXXX New York acct # XXXX wo called me at home atd told me I was a Fn flake who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. Exeter did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only one but not both

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica
State: NM

Complaint narrative:
Direct Express/Comerica failed to stop an automatic payment I had set up on my account for XXXX XXXX. Direct Express/Comerica then processed another payment from XXXX XXXX after my stop order and is therefore unauthorized. They are now trying to shift the blame to me ( this was not my faulf ) and are refusing to return the money ( {$46.00} ). What transpired in trying to have this corrected is nothing short of surreal due to the reprehensible behavior I encountered. Im attaching a full statement and supporting documentation for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Armcon Corp
State: CA

Complaint narrative:
The debt collector calls me everyday, not just once a day, but multiple times a day, including weekends. They ask for XXXX different names that I have no connection with, and do not know. They are very rude over the phone, before I can explain to them that they are calling the wrong number, they hang up and I can never explain it to them. When I call back to see what they are calling for, they will not tell me who they are and what company unless I first tell them my information. So I had to backtrack their phone number to find out who they are. 
They company is Coachella Valley Collection Service Located in XXXX XXXX, CA Phone number : XXXX

Company response to consumer: Closed
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
While attempting to refinance my home recently, there was a debt collection in the amount of {$42.00} on my credit report which disqualified me for a mortgage refinance. The debt was reported by Franklin Collection Service, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. Phone : XXXX. XXXX : XXXX. I called them and asked them what this bill was for and why it was reported as a collection, They stated that it was for a medical co-payment bill from two years ago. I stated that I was not notified of this bill or notified that it was even turned over to collections and paid the outstanding balance of {$42.00} plus a {$15.00} service fee. I was told that the collection would be removed from my credit file, which is has not. According to the FDCPA, I was not notified that I even had a bill, and the bill was reported to all XXXX credit bureau 's without my ability to confirm its validity or refute it if was not a valid debt. The debt collector violated 15 USC 1962e Sec 807 as there was no communication by the collection agent prior to reporting the collection on my credit report. They were also in violation of 15 USC 1992f sec 808 for collecting a {$15.00} processing fee above the principle amount of {$42.00} owed. And they also violated sec 809-validation of the debt in 809 ( 1 ), ( 2 ), ( 3 ), and ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BlueYield, Inc.
State: PA

Complaint narrative:
I recently received a " Certificate of Savings '' from XXXX indicating an amount in red, bolded that they claimed to be " Your Monthly Savings. '' The amount represents the difference between my monthly payment and the quoted payment amount in the offer from XXXX. The majority of the " Monthly Savings '' amount is due to an extension of the term of the loan, and I believe is misleading as I attempt to compare my current payment to the one proposed by XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
Reporting deliquent before 30days is up

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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: Remex, Inc.
State: NJ

Complaint narrative:
I received a hospital bill in the beginning of XXXX for a deductible for the XXXX of my child on XXXX/XXXX/XXXX. I disputed the bill with XXXX XXXX, and a woman called and spoke to me regarding the deductible. She informed me that she will send me some information regarding the bill, and I should call my medical benefit provider to discuss more about my deductible amount. I was disputing the deductible, because I 've paid over {$1000.00} in XXXX as a deductible for visits during my XXXX. In the interim, I received a collection letter from Remax Inc, attempting to collect said debt. I called the debt collector on XXXX/XXXX/XXXX, and I informed him that i am disputing the debt. He advised me that he will notate the file, and he will follow-up with me regarding the results. I called the accounting department at XXXX XXXX on XXXX/XXXX/XXXX, and the lady claims she had no clue I was disputing the hospital bill. She insisted that I pay the bill. I started paying the bill in monthly payments of {$25.00} a month, which is the same arrangement that I made with XXXX on the other deductible payments in XXXX, So far, I have paid {$75.00}, and I received a notification that Remax , Inc. has entered themselves as a collector on my credit report. Remax never called me after XXXX/XXXX/XXXX, and they should have been notified by XXXX of my payments thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: Comerica
State: MD

Complaint narrative:
Hello! MNy name is XXXX XXXX XXXX, I wish to make a complaint against Direct/Express Financial Institution. I have been a customer of theirs for for about Two-and a-half years. They issue me my retirement Social Security which is {$980.00} per month. 
When I signed up I distinctly remember signing and checking the box in which they asked if I wanted Direct/Express to mail my statement to my mailing address. I said " yes ''. Nevertheless, they finally began mailing my statement around XXXX, XXXX. The clerk said I did not tell them to mail my statements. I, just about know I did. 
Also, Starting XX/XX/XXXX or XX/XX/XXXX, I 'd run out of cash during the middle of the month. This month I received my Cash on my card on Friday, XXXX XXXX, XXXX, and was out of money by XXXX XXXX, XXXX, which is very unusual for me. 
Also when my statement shows and error charge, The bank clerk transfers me to the " Disputes '' department. Which takes about 20 minutes to reach, and they ask what the problem is, and I tell them, and then they say they will mail me a questionnaire for more details. It takes approximately 3 months, or more before my account is credited. Most of the time it is not. Direct Express, I believe, keeps that money. Since have not received much of it. 
Last, but not least, their statements are not logical or reasonable ; the balances for each transaction is " {$0.00}. It 's hard to subtract the costs. etc. 
Sincerely, Card- Master Card, Card number, XXXX Debit Card Do n't know Account Number, It is a sav9ings account. 
XXXX XXXX XXXX Birth- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Restore the money that was not calculated correctly. please,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I received a collection notice from : The collection Firm or Franklin Collection Services, INC XXXX XXXX XXXX, XXXX, MS XXXX, XXXX. Attempting to collect on an aged satisfied balance account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: IN

Complaint narrative:
Sallie Mae has continuously called our phone number and we are a XXXX. The person they are trying to reach CAN NOT be reached through this number. Sallie Mae 's representative is aware of this, yet she continues to call and harass employees who are not involved in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Franklin Collection Company out of XXXX, MS , has been given a medical account that I do not deny I owe. I 've made several {$100.00} payments on this account to the original debtor. Admittedly, I fell on extremely hard times lately and have not made the {$100.00} payments in several months. The balance is now XXXX. Franklin Collection Company demanded XXXX down and a monthly payment of XXXX. I explained that I can not pay that amount. They then suggested that I pay XXXX installments of XXXX and the XXXX and said this was the best they could do. Otherwise, they would have to forward the account to legal for wage garnishment, etc. I reluctantly agreed to the XXXX down, even though I can not afford that. They sent an e-mail contract for me to sign that still reflected the XXXX down. When I replied to the e-mail that this did not reflect the terms agreed upon by phone, the reply was that the mailbox could not be accessed. So, how was I to send the signed agreement in the first place? From there, they have called my parents home, my job and my cell phone - even though I expressly asked that both my parents number and my work number be removed. I am a single woman, paid once per month and paying out of pocket tuition expenses for completion of my XXXX degree among other expenses. I can not afford the down payment terms. I 've expressed that to no avail. I need some assistance in dealing with this persistent harassment from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Merchants Acceptance Corp
State: ID

Complaint narrative:
the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: VA

Complaint narrative:
I was basically bullied into leaving this University. I was lied to about my completion rate at the beginning of my last quarter at this school. I was told if I got C grades or higher for full time, my completion rate would be in good standing for a federal student loan. By the end of the quarter, this person who lied about my completion rate suddenly disappeared without a trace. Although my GPA was raised as promised by me completing the credits needed, the completion rate was not high enough to get the money I needed to continue at the University. They tried very hard to keep my grades lower than a C, but I worked so hard that they had to give me C 's for my, what was A work. I filed numerous complaints about these grades, but no-one seemed to care, if they listened at all. When I brought up the teachers being on a separate payroll by failing 64 percent of students at this school, it was game over for me. They refused to grant my personal loan with Sallie Mae even though I was approved. They held the loan money too long, and discharged me from the University. I feel as though I did my part, but they did not follow up at all with their end, and tried everything to have me quit. When I did n't, they just hit below the belt because I had nothing, and was vulnerable. They are still trying to make me pay some random fee now, a year later, even though I am in a tremendous amount of student debt. It is my understanding that this University was under investigation twice by the XXXX during my enrollment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX and I 've been on the XXXX XXXX since XXXX XXXX, 2015. This company Account Control Technology Inc has been giving me a hard time after I contacted them when the IRS send me a letter stating that they took my income tax. That 's when I called them to ask why did n't they notified me if they we 're collecting for my account No : XXXX XXXX XXXX XXXX, XXXX, Ca XXXXXXXXIs the agency attempting to collect the debt. 
I paid my default XXXX XXXX XXXX. Loan to be Tooken off default but they seem to be giving me the run around. That would mean their lying about if I made my payments on time they would take me off default so offset could be Tooken off so I could receive my taxes this coming year. 
This was a hardship because I 've been left without a car for eight months. 
Since XXXX XXXX XXXX XXXX did my taxes and now this agency put me indeed even more I owe XXXX COLSE TO {$600.00} AND they been calling tocollect this agency took XXXX with XXXX and XXXX XXXX XXXX XXXX charge for filling is missing. 
XXXX and XXXX = {$3200.00} so where is the rest of my money. I need help please. Thank u and XXXX bless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
Sallie Mae called me twice in two weeks regarding my bill once on XXXX from an unknown number and once on XXXX. XXXX times I explained that I do not have money to pay them and in response to asking them to stop calling me, I was informed they would continue to call until the balance is paid. I find this action harassment and I would like them to stop calling me or at minimum reduce the amount to once a month. 

This is for a XXXX loan for XXXX university XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Med-1 Solutions, LLC was awarded judgment of {$3700.00}, by the XXXX XXXX Small Claims Court, State of Indiana, XXXX County. I had agreed and made {$1900.00} in payments toward this debt. However Med-1 Solutions, LLC filed and represented to the Court that no payments had been made and I still owed the entire amount. Due to this the Court granted them an income withholding order that has taken an additional {$800.00}, directly from my paycheck, as of XXXX/XXXX/16. I believe Med-1 Solutions, LLC violated 807 of the Fair Debt Collections Act, by alleging to this court that the entire amount of {$3700.00}, was still owed and represented to this Court that I had not made any payments. I tried contacting the creditor and asked that the update the Court with my true debt balance and they informed that they do not notify the Court of payment history and would not send anything in until they have a XXXX balance. This is a great hardship to me because the incoming withholding takes over {$400.00} dollars per paycheck. Therefore they have taken over {$1200.00} within the month of XXXX 2016 that has drastically crippled the debtor who had been paying {$200.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation