vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
A bank in XXXX XXXX charges XXXX each time a customer goes to an ATM other than theirs. They only have XXXX ATMS, so this is extremely awkward. This is probably the case with other banks. They just got {$5.00} of my money this month, and last month. This is a fine bank, but really? 
Also, not that I have recently bounced any checks, but in the past when I did they charge a hefty fee, which is the case with any large bank, especially if they pay the fee. In order to avoid such situations, I have gone to Payday Lenders, who charge me less than the cascade of fees that would result if I did n't have them. 
So I would also like to give you an idea, that the big banks could just cover the fees and charge a XXXX % fee. For instance, once I was charged {$31.00} for the bank covering XXXX cents! Would have been better if they had charged me XXXX cents for that transaction. This then led to a cascade of checks that bounced. So the banks should be required to cover bounced checks ( within a reasonable range ), but not at these huge interest rates, because interest is what these fees amount to. Then payday lenders would be out of business automatically. In the meantime, to avoid the squeeze of the big banks, payday lenders are necessary. As I said, I am happy with my bank, but just want to have these changes in the law.

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 2016-11-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX/XXXX/2016 XXXX XXXX CST A voice message was left for me on a ref contact number asking for location information for me by a XXXX XXXX XXXX XXXX ext XXXX. I returned the call and spoke with her and asked why they were contacting a reference after I asked for a cease and desist. She reviewed the account and could see the request and advised me she needed to have me speak with a supervisor. I ask why would I need to speak with a supervisor, she replied to verify the cease and desist. I did not get the mgrs. name but when he came on the line he asked what he could help me with I asked did the rep not fill him in and he stated he wanted to know from me. I explained that I have requested a cease and desist and wanted to know why they were calling a ref. He stated he did not see that request and I asked how if the rep stated she did? He said he only seen where I asked for no calls and so I asked then why are you calling a reference number? He stated he would place the account in a cease and desist status. The manager was slightly rude and I could tell he was eating which was gross and very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 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: Capital Management Services, LP
State: MD

Complaint narrative:
I have received multiple phone calls from Capital Management Services asking to speak with my brother. I do not know how they got my number, but my brother does not live with me. I have told them repeatedly to take my number off their list and to not call me. The calls stopped for a few months and I just received another one today from XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I have reported Midwest Recovery Systems to all XXXX credit bureaus. This debt is not mine. Never received written notice that I owed a debt to anyone. I called them today XXXX/XXXX/XXXX as soon as I saw it on my credit reports. I demanded an explanation to why a debt that is not mine was on my report and the lady hung up on me. I called back but got voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
Prerecorded messages that do not state who is calling. 
Prerecorded messages asking for people I do not know Prerecorded messages stating legal action will be taken if I do not call them back. 
When I do call them back they make threats of jail etc, If I do not pay the debt of these people they keep calling for. 

Hang up calls from XXXX, spoofed caller ID numbers as early as XXXX until as late as XXXX. Yes I do have a police report number and some of the calls have been traced by XXXX. 

When we get XXXX illegally run ( illegally due to not following governing laws ) 3rd party old debt collector to stop harassing us about these people whom again we do n't know another one starts calling. 
the process starts all over again as if these unscrupulous debt collectors are working together to harass people. 

The phone number receiving the call is XXXX ... 
The latest calls have been from XXXX. 

XXXX The ROI Companies ( Headquarters ) Phone : ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I paid off my mortgage but my escrow balance has not been returned what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV is reporting a collection for {$3700.00} for a XXXX ( orig creditor ). 
I never had an account with XXXX for that amount of money. In 2014 LVNV attempted to take me to court. I hired an attorney to assist. Attorney requested validation and they withdrew their case without prejudice. The SOL on this alleged debt has been well exceeded. I have over the last several month via certified mail with signature confirmations I have requested validation from them to get this removed from my reporting but I have been unsuccessful. They have never replied to my requests but they continue to report this past due balance. I have not received any mailings at all from them. Please help me. I need to refinance my mortgage and this is clearly a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
A company named Mid-West Recovery Systems LLC/XXXX which ever name has put collection account on my credit reports that I have no knowledge of the debt. Never have been contacted at all regarding such debt. How they received my name is unclear. I was told the company is a scam they but paid or closed accounts trying to collect on old debit from pay-day loans. If I opened up something in 2012 it would have been paid by now. No-one has contacted me at all but puts something on my credit report three weeks ago without notifying me of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
We have a account at Valley National bank in new jersey, we are in retire community in XXXX nj, the branch that we got our account is there n close to us the complaint is every time we deposit or transfer money from our savings to cover some bills that i see is missing the money to cover those bills including pennies they charge us $ XXXX.every time including XXXX in same day for another bill not even when i trasnfer the money early in the morning before banking hours they still charging us {$35.00} for late fees we got other banking institutions n they never charge us when we put the money to cover bills on the same XXXX hours this bank is reapping seniors of their savings like crazy i just got charge XXXX {$35.00} for XXXX bills that i put money before they open for bank hours. please stop this institution from taking money from seniors!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime
State: SC

Complaint narrative:
I am purchasing a car from drive time. I have always made my payments on time for over XXXX years. My payments are {$470.00} a month. I make my XXXX payments a month of {$230.00}. I have recently feel into a hardship. I lost my job and I am having to take care of my mother XXXX and I also have put about {$700.00} in to the car bc it was having issues. I called drive time and advised them that I would not be able to make my payment for ( XXXX XXXX XXXX XXXX ) and I asked for a deferment. The collection representative advised me I was not elligable for a deferment BC I was never late. She stated to let my account fall delinquent and call bk XXXX XXXX. So I did. Another rep told me I could get a deferment and my payment was due. I advised her that when I spoke with the previous rep that 's not what we discussed. She told me I had to mail in my receipt form the work done on the car to try for a deferment. I advised her that when I spoke with the rep bfor she did not tell me I needed to fax those In and they were thrown away. She then transfered me to the rep I spoke with on XXXX XXXX. I advised he that I could not make those XXXX payments until my unemployment started and I would make my payment of XXXX by XXXX XXXX. She stated that she would set the arrangement and that would be fine. I adv he that I do not want calls bc i am taking care of my brother and NOT TO CALL ME. A couple days later i get a call i was unable to answer so i called bk. A rep stated that the arrangement was never set on the acct. I asked to speak with a XXXX i was on hold for XXXX mins. I then explained to the XXXX I was not suppose to receive calls and they did not set the arrangement as stated. She stated she could set a arrangement and transfered me to customer relations. The lady as that time stated she set the arrangement for me to make a payment on XXXX XXXX. I adv her again DO NOT CALL ME. XXXX days later they call. A manager cancaled the arrangement. I called bk furious BC I had told them several times not to call me and felt like I am being harassed and BC they told me arrangement was set and now they want to change it. I adv her of when I could make the payment I would have the funds by then and she wanted XXXX argue with me and tell me I have to pay {$400.00} by XXXX XXXX. I told her there was no way I could pay when I had already worked out the other arrangement and put money in the car. I also adv her that I told her it was against the law to contact me after I stated not to call me and she ignored me and continued to try and collect. I was treated very unfairly by this company and I am speaking with an attorney due to the harassment. I feel like the car should be returned and the trade line removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
On XXXX XXXX i went to DriveTime to purchase a vehicle. I met with the customer service rep and manager who was very friendly and welcoming. I sought interest on a XXXX XXXX Journey and test drive the vehicle and everything was smooth. I requested for a car fax and the representative stated that the vehicle was in perfect condition and had no ; repossessions, accidents, and rebuilds. The only thing was the vehicle having a high mileage. The manager read the contract and i signed off on it, made the agreement. Plus i was missing a hard key replacement of my key in which they promised to provide through a locksmith and never followed through. 

During the XXXX week i began having issues starting the vehicle and decided to take the vehicle to the dealer. The manager and representatives advised me through minor inspections that there was n't any issues and if it was an ongoing issue to contact XXXX. So i decided to contact them and had the vehicle taken to XXXX. There i met with the manager and he conducted a full vehicle inspection, where he found many pr-existing issues which was a major safety risk. The XXXX line was leaking fluid, no brakes, bad battery and bad starter. XXXX approved to fix the issues concerning the vehicle and was told that was the solution to the problem. We shook hands and was told to come back if there 's arising issues. 

A week later after coming from XXXX the same issue occurred and i notified XXXX XXXX XXXX about the issue. They advised me to respond back to the shop to conduct further inspections, in which again they could n't find anything. So i was told to come back if the issue reoccurs, in which the day after it happened again. The manager even conducted and full inspections in which turns to find out that my shift handle was damaged, in what appeared to be a repossession damage. The shift handle was broken and glued back together in which caused shifting damage. I was told to schedule a day to have this issue addressed, but my transmission blew out in result of the shifting issue. I had to contact a tow truck through my insurance company to have it towed to my house, later on had to pay another tow truck to get my vehicle towed to a repair facility. The mechanic advised that i had to pay a deductible for the transmission replacement through warranty. 

Its only been 3 months since Ive had this vehicle for me to have transmission and shifting issues. I felt I 've been cheated out of my money and was a sold a vehicle that was n't worth what i am paying. I would never recommend someone to purchase a vehicle through DriveTime, horrible pricing and unfair quality of service. Note : Theyre very eager to pressure to purchase a vehicle without giving full information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Representative called me today XXXX XXXX, 2015 and started her call with complete attitude in her voice. Advised her I spoke with someone already and that I have no funds yet. Been XXXX since XXXX and fighting to get my XXXX. Other than that payments had been paid consistently before this. She then asked why I do n't have money. My response again XXXX and she said why is that. I then asked her why she had an attitude with me she 's a CSR she said I am not a CSR. A collector/CSR rep using the tone and attitude she used with me today would be harmful for her company. She needs to listen and refrain from using smart remarks or belittle some one with questions of why we have no money or not working. I wish to not speak with this rep again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Prior to receiving a clear to close letter from my lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had to provide proof of payment for insurance on my condominium unit. This was provided and the servicer is withholding and disbursing payments to my insurer. I am concerned that the servicer is not adequately protecting my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: NV

Complaint narrative:
I have been a customer with Drive Time car company since XX/XX/2014. I have made my payment faithfully every two weeks. We just moved and are struggling to find a job but I have been taking my child support to pay the payments. In my lease as you will see it has a late payment clause for after 10 days late they will charge XXXX ( see image ). My payment was 4 days late and they repo'ed my car, leaving me with a XXXX price tag to get it back. When I called to ask about the lease agreement clause, they said 1 day late is late and they can repo my car. So what is the 10 days about then? I was advised that it should not be on my lease. No where in my lease does it say this is a ( 0 ) day grace period lease. I had made the payment ( I guess minus XXXX dollars they later said I owed ) 4 hours before my car was towed, the lady on the phone said I did a payment on their website so they refused it and I needed to go to XXXX! When she hung up my payment was returned. Three phone calls later and three different stories I guess that contradicting ( 10 ) day period is not available and you have 0 days. This is a contradiction of the lease agreement. I would of paid the XXXX dollars had I known that it would of been the reason for my repo after only 4 days. I also had a friend go to Drive Time over a year ago for the XXXX credit for my referral, NEVER got it! The way I look at it you made way more than XXXX dollars off another sale because I pitched the sale for you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: Capital Management Services, LP
State: TX

Complaint narrative:
I have received several phone calls from Capital Management Services. I do not know who they are but researched them on the internet. They never leave a message so I 'm not sure what this is about so I blocked their calls on my cell phone. Now they are calling me at all hours at work! I 'm afraid this will jeopardize my employment! I have asked them nicely not to call me at work but to send me information to my home address but they have not done that. I need them to stop before I lose my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
I was contacted about 2 months ago by someone claiming I had a payday loan from several years ago ( XXXX? ) that was due. They claimed it was between $ XXXX and it was never paid. The ONLY payday loan I ever took was from XXXX back in XXXX of 2013 for a trip to DC for my anniversary but this was settled and a terrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
This company agreed to settle this usury interest rate account for {$1400.00}, I have paid XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX {$500.00} on the settlement amount, my credit report says I owe them {$4700.00} on a {$3500.00} account, I paid them {$2700.00} on this account before my income was dramatically reduced, I have sent them {$500.00} on this settlement amount on this account XXXX. Please have them update my account as paid in full. I am a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
There is a debt collector ( central credit services ) company calling me numerous times through a single day over a XXXX bill I owe. The amount is {$160.00}, which I have advised 2 times that I would be calling in once I have the money to pay. The next day and every day after that they have called me and left the same messages. This is harassment!

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 2015-10-22 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Signedup XXXX family members for referrals on Coinbase.com. Coinbase at that time offered {$75.00} for each person referred to their service. I referred all XXXX and they met the terms Coinbase intially offered. Signup took a while do to money transfer timeframes setup by Coinbase. In that time, Coinbase changed their promotion and terms to {$10.00} for referrals. When asked why, they said they could change terms at anytime ( even if signup up for {$75.00} referral bonus ) and that family members did not meet the terms either. Felt like they just change terms to disclude giving out referral bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I had medical assistance at the time of the XXXX visit, all referrals were in order and insurance card was given. No bill was asked upon leaving the facility, no bills were sent in the mail, about a year later I received a collection notice for a debt owed on that specific date of service. How can you send something to collections that you never gave the person a chance to pay, I did n't even know I owed anything. But anyways, I then called the collection agency and ended up paying the bill they asked. I thought everything was fine.. Well about 2 years after I received a new notice from another collection agency for the same date of service saying I owed them money again. How can this be?

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