vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Everest Receivable Services Inc.
State: NJ

Complaint narrative:
First and foremost the person who called me was very rude and did not let me even speak. He was giving me attitude and was n't very informative nor was he professional. I was late for work and asked him if he was able to contact me at a different time, he refused to do so and demanded I speak to him despite the fact of me missing my train. They were not able to provide what it was actually about. Also the gentleman asked me to verify my last XXXX digits of my social security number, I refused because at the time he had n't even told me where he was calling from or what it was regarding! He had n't advised me that they were trying to collect a debt, or anything just kept on demanding that I provide me the last XXXX digits to my social. He then proceeded by telling me that he had my social security number in front of him and then continued by reciting my 1st XXXX digits of my social security number! I was appalled and shocked that he would do something like that. That was my personal information he was sharing out, what if it had not been me? They continuously harass my boyfriend, which I do not even know how they obtained his number seeing how I did n't even know that he existed at the time they claim the date was. They stated that they use a " very powerful search engine ''. If so then how come no bill was sent to my correct address or how come they did not call MY number? I was APALLED at how I was spoken to. I then proceeded to try and get as much information as possible, leaving me to still scratch my head. My boyfriend was harassed, my personal information was given to me over the phone before verifying it was even me, I was spoken to horribly, Not enough information was given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Because I 'm pay every 2 weekS and never decrease loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
This is for a personal loan. Have constantly contacted XXXX of my references after being told to stop. Have harassed my wife at work. 
Constantly calling my house. All this because i am XXXX payments behind because i am on permanent XXXX now. i have not missed a payment in XXXX months and pay extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
Investment Retrievers Inc continued to contact me about my fiance and I advised them he was being legally represented and provided them the company name, phone number, ext and the representatives name. They claim they could not get through so continued to call with harassing phone calls. I tried to send a Cease & Desist letter via fax however their fax connection was disabled & I only received fax transmission errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
Garnished wages in the amount of XXXX After debt was discharged in bankruptcy.

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 2017-02-23 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: LJ Ross Associates
State: MI

Complaint narrative:
I 'm showing this is a XXXX debt, but my XXXX account has been closed since I moved from XXXX back to XXXX in XXXX of 2015. I did not have any outstanding bills and if I did, I was never notified or sent any information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America
State: NV

Complaint narrative:
Financial Corporation Of America is trying to collect a debt that is not mine XXXX XXXX Hospital keeps sending these Frivolous charges to collection company to collection company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
I have actually had this company call me repetitively and harass me the company 's name is XXXX they are A auto financing company which I unfortunately have to do business with this company is the worst company that I 've ever seen their reviews on XXXX and XXXX are horrible and I understand why I have been harassed and called countless times in a row by these people I 've also had XXXX of their supervisors call me from her actual cell phone not stating who she was They 've also send me mail stating that my account has added fees now because of not having insurance on my car which is false because my car has been insured since the beginning of the loan and full coverage like any financing company would ask for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
The original creditor had my mailing address incorrect, but they did have a good contact telephone # ; I did n't realize I even owed this until I pulled my credit report. By then the debt had been sold to the collection agency. I never received a bill from the original creditor, or the collection agency. I am an XXXX so I had my wife call the agency based on the info from my credit report. They attempted to use scare tactics to get her to pay it over the phone without ever seeing a statement of any kind. I have filed complaints against both the original creditor and the collection agency, with the XXXX and still have yet to receive proof of this debt despite giving them my correct address. The XXXX response was that they would remove this debt from my credit report once paid, but I never received anything from them. I have even emailed the collection agency 's legal department and they have not responded. I would 've been happy to pay this in the beginning if I had received notification that I owed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-10 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: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I can not afford to pay such a large amount. I do n't recall the details of this debt. A more reasonable amount and better explanation of the details of this debt would help me to understand and/or pay it.

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 2015-05-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Sortis Financial, Inc.
State: KY

Complaint narrative:
I started a deed to land contract with XXXX XXXX XXXX XX/XX/XXXX. The loan was then sold to Clear Spring Loans XX/XX/XXXX. This company then started to report this as a conventional home loan/mortgage. I have never had a home loan or mortgage with this company nor any other company and I am looking to have this and all record of it removed from my credit report. I have repeatedly contacted this company in writing and in phone calls to have this resolved and have not been given anything in writing and definitely nothing in the phone calls. They have since started to report incorrect late payments on my report and have stopped reporting ontime payments. They are intentionally hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I am very devastated for all the excuses Rushmore has gave me in order to not approve me an affordable offer instead I am being asked to pay {$11000.00} as a good faith down payment and additional to that I need to pay 6 monthly of installments for the amount of {$1800.00} but it does not stop in the paper work it states to continue making payments after I complete the 6 installment payments until I received any permanent modification contract. However the trials are higher then what my mortgage was before I started to fall behind this is not helping my situation because my monthly mortgage payment was {$1400.00}. Rushmore knows I can not pay that large payment even though I had tried to negotiate the good faith payment Rushmore does not want to work with me. I am a single mother and I do not want to lose my house. Rushmore has set a sale date for XX/XX/2016 to have me removed from my house and to make matters worse Rushmore now does not let me speak to no agents from Rushmore instead I need to negotiate with Rushmore Attorneys because now they have my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I took out a XXXX loan and made XXXX payments on it before I ran into financial difficulties. Checksmart has repeatedly called me at work even after being advised that I can not take calls at work. During most recent call on XXXX/XXXX/16 the caller even indicated that he knew I was at work and could n't talk so he " would n't take up too much of my time. '' Additionally, they call me at least four times just about every day and often call back to back with little more than 30 seconds between calls. I have more than XXXX messages just from the last 30 days on saved on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I received a letter from a company identifying themselves as California Check Cashing requesting payment for a loan that I know nothing about. I called the phone number on the letter to inquire about the letter sent to me, but they insisted that the only way they can help me is if I disclose my social security number to them which I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
hi I made an online transaction with Western Union on XXXX XXXX. For an inexplicable reason, the transaction did not go through. After several follow ups, on XXXX XXXX they advised a refund has been processed. Till date i have yet to receive my money back. Please assist me with this, I have called their customer service and escalation teams every three to four days without a result. It is six weeks now since this transaction was rejected and i have yet to receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I used the change machine in my local bank to deposit some change into my bank account. I put the change into the machine and got a claim ticket to redeem and deposit into my account. The lines were excessively long and I did not have time to wait to redeem the ticket for cash. I am now trying to redeem the ticket with the bank for the cash I deposited in the machine, but they are refusing to honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE

Complaint narrative:
Company repeatedly corrects my credit report after a CFPB complaint and then immediately puts late payments back on my credit report once case is closed. This is the 3rd time. Each time Bayview Loan Servicing acknowledged their error and each time they report negative information which is against court order and lawyer. My account has NOT been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
Creditor has called my office number multiple times, each time I answered the phone with the company name and they hang up. Last calls logged were XXXX at XXXX & XXXX/XXXX/XXXX at XXXX Calls were from XXXX XXXX In the last phone call, XXXX/XXXX/XXXX at XXXX EST I advised the law firm that they had called my work, and asked what the call was in reference to, as it originated from a law firm. They would not advise the nature but requested I verify whom i was with Social Security number and home address. As this was a cold call, i refused. After a couple minutes of arguing I gave my city and zip followed by my the month and year of birth. 

The law firm still would not advise what the call was in regards to and continued to push me for further personnel information. I refused and after three minutes of back and forth, the law firm advised it was in regards to a company, that I do not own, under someone with a similar name. They then proceeded to push me for personnel information on another person. I refused, and continued to refuse each request. 

I am appalled by the predatory practices utilized by this law firm, the fact that they continued to call my office, and that they try to request additional personnel information even after my zip code and year of birth did not match whom they were looking for. How can this be a legal practice as it is predatory collections if not phishing scam. 

The reason the number is listed is that I work sales and if you google my name it comes up as a work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
On XXXX XXXX, XXXX Bayview Loan Servicing LLC ( BV ) took over servicing of our mortgage from XXXX XXXX. On that date an escrow account balance of {$560.00} was transferred to Bayview. An Annual Escrow Account Disclosure Statement BV sent dated XXXX XXXX, XXXX had sections listing Escrow Disbursements and Projected Escrow Activity, but the Account History section is blank, thus failing to provide us with necessary information on all escrow activities from XXXX XXXX to XXXX XXXX. A statement dated XXXX XXXX, XXXX is missing account history from XXXX to XXXX XXXX. These XXXX misrepresentations are in violation of RESPA. 
When I called BV requesting the missing escrow account history they said I would have to write a letter to BV Customer Service Department. Sent a letter dated XXXX XXXX, XXXX. We received a response dated XXXX XXXX, XXXX ( mailed XXXX/XXXX/XXXX ) from a XXXX XXXX, Case Manager in the Customer Service Department at BV. It stated that she " enclosed a copy of the all escrow account disclosure statements conducted Bayview for your review. '' ( The poor sentence structure is hers, not mine ) and, " Enclosed is a copy of the Account Activity Statements as it provides a detailed accounting of all transactions and their effective due dates for your review. '' What she sent was a copy of the statements that we already have. There was no acknowledgement of our actual request. So they have still neglected to provide an accounting required by law for the period from XXXX XXXX to XXXX XXXX. Their response indicates that they do n't intend to. 
I called BV again and asked for XXXX XXXX. They would not connect me to her and would not agree to send the required information. The person I spoke with said he ca n't get it, but he did n't make any attempt to do so. 
The records we have for our mortgage loan are still incomplete and we are unable to view the records of how BV handled our escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
These people brought a illegal loan usury interest rate account from cash central XXXX ... Cash Central does not have a license to provide illegal loans ( Usury interest rates ) in the state of Ca. By the CA. Department of Business Oversight and the federal consumer protection bureau. their phone number is XXXX ... I am XXXX years old and want these people to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I get calls every few weeks weeks referencing a medical debt that is claimed that I owe. I do not owe this debt. It has been paid and I have the check image showing that it was paid and cleared my bank account on XXXX/XXXX/XXXX. There is now a collection item listed on my credit report as of XXXX/XXXX/XXXX for this debt that I no longer owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LendUp Loans LLC
State: OH

Complaint narrative:
I got a loan with Lendup and due to financial hardship and the fact I was caught in the payday loan trap I am unable to pay on time. I got credit counseling through a non profit XXXX XXXX and Lendup refuses to work with them. If they are legitmate lender like they claim, why wouldnt they work with credit counseling like every other lender.

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
Consumer complaint received 2017-01-14 00:00:00
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: American Consumer Credit Counseling, Inc.
State: NV

Complaint narrative:
I 'd like your intervention in getting the cancellation response from the following company : American Consumer Credit Counseling XXXX Inc. 
XXXX XXXX, MA XXXX Client Reference # XXXX ; XXXX I had previously contacted this company for credit counseling. The process was scheduled to start on XX/XX/2017 with an initial amount of {$980.00} to be drafted to my Bank account on or about XX/XX/2017. In the meantime, I decided to cancel the arrangement, and I notified this company several times through email notifications. I also tried to contact the company by phone, but they 're not reachable ; and nobody contacted me after leaving numerous voicemail messages. The company needs to send me a confimation letter stating that proposed contract is cancelled and they would make no withdrawals from my bank account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I opted out of ACH automatic debit after the death of my father. I was and am experiencing hardship. Cash Central attempted to illegally debit my checking account. I have documents to prove this. I had a stop payment issued to protect me. But Cash Central emailed me indicating the illegal attempt to debit. 

I am now trying to work with an attorney to help me with settlement or bankruptcy as too far behind to make timely payments. 

Is there a fine that can be issued to Cash Central for their illegal actions? If so, perhaps I can pay my debts with that money and be spared any further hardship. I appreciate all help with reparations for this crime against me. They were very intimidating to me on the phone. I felt extremely threatened and violated as my rent money was at risk. 

All help appreciated, including attorney referral. 

***Please let me know where to forward documentation. I will need to find the paperwork and email to you in a separate communication as I recently moved. 

Regards

Company response to consumer: Closed with explanation