vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-20 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
had a credit card with the navy exchange that i got behind on payments towards the end of last year. I called them at the end of XXXX 2015 to start making payments on my debt because I was in a better financial position. I was told that a letter had been sent out stating I need to make payments or they would default on my acct I start making payments XXXX XXXX. I have called in every month after that to make my payment of {$210.00} dollars with XXXX of their representatives. I called them around XXXX XXXX to make a payment and I was advised that they sent me into default because they sent me a letter in XX/XX/XXXX of a payment plan that I had to sign and send back within 30 days. I have been calling in every month and not XXXX associate made mention that the letter had not been received. I was given the number to a 3rd party agency that marked up my acct 16 % I was to make payments XXXX and I was being charged up to XXXX a month in fees and interest on an acct I was already making monthly payments on. I then called back XXXX XXXX appx XXXX talked with XXXX who let me know that it was my fault I was in default in a raised voice telling me I should have had my father send me my mail since I am currently working XXXX and that it is not there problem if the letter did not reach me because they can not control postal mail being delivered. So regardless if i ever saw the letter or not they would have still defaulted on my acct. I responded saying that if an associate would have said something to me about the letter when I called in I could have given them an address to send me the letter and mail back to them. I was also advised that there associates not telling me about the letter or reading the notes on my acct was not in there control. My issue is that I was making payments to them every month calling them so it is not as if i was n't trying to pay my debt because i have been trying to build my credit back up. I am very offended with how this case was handled, and the tone of voice that i was talked to which was very rude which put me on the defense. These companies do and say whatever they want to people/consumer with no regard to professionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I purchased XXXX vehicles ( XXXX used, XXXX new ) from XXXX XXXX XXXX dealership in XXXX XXXX, IL ( now closed ). I financed both loans via FORD ( MOTOR ) CREDIT. I believe I was charged a higher interest rate because I am female and XXXX. I understand I may be due a refund of the excess interest. XXXX accounts are paid. 
Please advise what I must do to request a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call from a mediator named XXXX She advised me that EzCorp had been trying to contact me for some time in reference to a loan. I asked her for details but she said I had to send payment first and then I would recieve information. I asked for date of loan. Said all she could tell me was it was from XX/XX/XXXX. I ask for written documents. Was denied. As well as my rights.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
A representative called me from ARA INC stating that I owed a debt from XXXX XXXX and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
XXXX - at extension XXXX called me " illegal wet bag ''. He used abusive language and profane XXXX language. XXXX stated he was with a legal team. He was going to file papers. He made it sound like he was a lawyer .... Very misleading. This is an outrage! Please make them stop! I 'm XXXX years old! Harassing other members of my family with phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I became behind on my Military Star Card when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
Had a leased truck with boyfriend through Ford. We broke up. The boyfriend started paperwork to transfer the lease to his name only so I would be removed since we were no longer together. We were charged a transfer fee. He then passed away just after this was completed. Ford now acts like the transfer never happened and is looking to me to pay this. if the transfer was n't complete, they should refund that fee. I have asked for copies of the documents ( since according to them I am still on the account ) ... all documents including the transfer of lease forms. I received nothing. I was told my account was turned over to someone at ford and they would be calling me..i have received no call. I also receive no help from XXXX XXXX in XXXX IL where this was purchased. The boys club does n't seem to want to respond to me. Paper work for the lease when we began this had to be redone 4 times with XXXX at the onset.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 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: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
There is an account listed which I have disputed with no response back and it is not mine. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30 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: United Resource Systems, Inc
State: CA

Complaint narrative:
i worked for a the XXXX and was under a contract for a term or 8 months where i worked XXXX, XXXX. On my final month out, i was routed back to my home XXXX in XXXX and was neither given a reason why nor a return day to work. i contacted my dispatch the following day and was given no return day. This took place in the last week of XXXX XXXX i applied and currently work locally in XXXX and was not contacted by the company until 2015 where i received a letter that they would like me to return to work for them. i do not wish to return to work for a company that decided to abandon its employee nor do i have the luxury to abandon my current post just to serve a couple days that i would have finished back then. they wrongfully and with no good reason sent me home and are now trying to charge with a ridiculous amount of money for training they never did. i served my time and made them plenty of money. i wish for them to remove whatever debt they claim i owe

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: EZCORP, INC.
State: WI

Complaint narrative:
I was charged {$89.00} over the actual first month payment I agreed to which was no more than {$38.00} in month of XXXX for loan amount {$320.00}. The payment was a total no more than {$120.00} for the third month and beyond month. I went to my personal bank and stopped payment on the amount taken out of my checking account XXXX/XXXX/2017. I was n't aware until XXXX/XXXX/2017 when I attempted to withdraw money to pay the rent. On XXXX/XXXX/2017 at XXXX XXXX I was contacted and was told to agree by XXXX XXXX this day to pay an amount of no more than {$110.00} dollars. The morning of XXXX/XXXX/2017, the company 's representative did not have my file ready and asked for the last XXXX numbers of my social security number. I find that suspicious by reason of the person asked my name first, before I gave my last XXXX digits stated they could not find my file right away after transferred to different department. I added that because if that company were professional, they should be organized in business and legality. The person admitted someone referred to as a sales department had, " messed my loan agreement up, but there was nothing to be done about that '' The representative stated that I said I got paid biweekly XXXX and XXXX, before that statement clearly stated by them that I said I specified monthly. I had to state that I said monthly the XXXX and the XXXX, in fear of the company reentering the facts before myself proof that I was schemed. The loan company came with the lower amount of no more than {$110.00} or I would be reported to their collections department. It 's XXXX XXXX right now and they are expecting a call by XXXX XXXX The person that primarily forwarded the loan asked for my debit pin. The second amount payment would have been no more than {$76.00}. I 've changed my pin since for financial security, plus they added charges of wiring fee of {$20.00} printed in the letter. I think the company got angry with me possibly because they tried to take another amount out illegally after the first time using my old pin.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
The collector ( Professional Dept Mediation, inc ) has reported to credit report that i have a balance with there clients.i do not have a balance.i leaved there for XXXX years always paid on time never late.i completed my rent.They bushed me out because the complex was going to be converted to condo and they where selling them to future owners so old management company who was there for XXXX years got fired replaced by a new company brokers so they can sell and convert XXXX XXXX to XXXX investment.there was a war on administration old to knew.i left when knew company was coming and i did n't want us to renew the lease so i was forced out.that was almost XXXX yrs ago.now they say i have a balance {$3700.00} its a lie .i need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
11 yrs ago. I purchased a house under XXXX XXXX bank. They offered me XXXX loan ( line of credit ). They did n't disclosed me the line of credit of 20 % loan is interest only locked in for 10 years. I had tried refince the loan several times but no avail. So I ended up paying interest only last 10 years by automatic withdraw from my bank Amount of XXXX of principle of XXXX. Since it was automatic withdraw from my account I was not able to pay additional lum sum pay toward my principle After 10 years the bank initiated me to offer refinance at 6.19 % 30years loan. My complaine is why I was not able to refince the loan during last 10 years and ended up paying half of the principle amount of loan and bank is now offering loan at the higher rate? 
Here is my calculations Principle loan : {$100000.00} Interest only last 10 years paid XXXX. 
Now 30 yrs loan At 6.19 % will End up paying {$230000.00} plus {$50000.00} already 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 2016-03-08 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: Allied International Credit Corp., (US)
State: NY

Complaint narrative:
I received a mail from Allied International Credit Corp ( US ) attempting to collect on a debt owed to XXXX. I do not have an account with XXXX or have not used XXXX in over 5 years. I have read online that this type of letter is an attempt at fraud and should be reported here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
Applied for HARP through current mortgage company : PHH mortgage. Submitted all paperwork and an appraisal was completed by 3rd party suggested by mortgage company. The loan processor told us the underwriter said the pool has to be filled in because that 's what the appraisal indicated. However the appraisal did not say that. It actually stated the condition of the pool did not affect market value of the home. Prior to the appraisal being completed I disclosed the condition of the pool to the mortgage company when they asked if any part of the home was under construction. Anyhow, they are threatening to decline the loan because of the pool and/or not approving the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
There is an amount of {$3100.00} on my XXXX credit report from NCO Financial systems/EGS Financial Care. I contacted them about the balance and NCO/EGS has no balance in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Strauss Factor Laing & Lyons
State: RI

Complaint narrative:
I received the FIRST notice of the debt on XXXX/XXXX/2016. Before I could even dispute this debt I received A wage attachment hearing notice on XXXX/XXXX/2016. I never received notice of judgment or lawsuit on this debt. I do not even know what this debt is for? Not even sure this debt is mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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: Professional Debt Mediation, Inc.
State: AL

Complaint narrative:
The collection agency is collecting for an apartment complex that I rented but I never lived in. I moved into the apartment in XXXX XXXX XXXX and my job sent me to California from XXXX to XXXX to XXXX XXXX. I never moved any furniture in and told the complex that I would be cancelling my lease in XXXX XXXX I knew. I would have to pay for breaking the lease but they added all kinds of fees for cleaning and repairs that could n't have been made. When asked for debt validation, the collection agency just mailed me a lease and a list of charges. The agency also continues to report the debt as late with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I am attempting to settle a medical debt from 2013. I am on a limited income because I am XXXX as determined by the Social Security Administration. I contacted the collection agency, Allied Collections in XXXX XXXX regarding this debit. I advised them that I would like to make an appointment to come in and make pymnt arrangements. I made an appointment, however my XXXX-month old child was ill and I had to take care of her. I called them within a few hours advance notice and they were extremely rude to me and asked me to bring my daughter in anyway. I advised them that I would not, and they threatened me with higher interest rates on my debt if I did not make an appointment with them the next day. I made an appointment but my daughter was still ill the next day so I had to cancel again. I just checked my credit score and my interest rate and penalties went up in value. I made a complaint with the XXXX in XXXX XXXX about this and was given a number to call. I feel that I am being punished for canceling an appointment with this collection service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
After my husband lost his job, staying current on our debts became very difficult. We joined Freedom Debt Relief as a way to manage our debt and make sure it was being paid. Unfortunately XXXX did not deal with Zwicker and Associates, and that is where our XXXX card ended up. We had and Attorney through XXXX that was dealing with XXXX and was supposedly trying to reach a settlement. We have since been sued by XXXX and have a Judgement against us. We have since paid our debts off except for this XXXX card. Without XXXX 's attorney we are now trying to deal with XXXX on our own. Our phone conversations with XXXX have so far been met with uncooperative attitudes in trying to come to a payment agreement with them. Lump sum is impossible for us. We have just learned that there is a bank garnishment order against us, but there is nothing in there to get. As a last ditch effort we called the attorney we were dealing with and asked her to please send us any documents from XXXX that they had. We found that there was an agreement that we had never seen or been told about. It is an agreement that we can definitely commit to. We called XXXX on Tuesday the XXXX of XXXX and asked XXXX the girl we had been dealing with, if we could sign this agreement and start payments immediately. We even sent copies of this agreement via email to them. It was all put together at XXXX. We were told no. They want a lump some payment of XXXX. If I had that money .... I would n't owe the debt. I do n't understand how they can garnish wages, bank accounts and sue you but when you try to pay them they can tell you no. How on earth do they ever expect to be paid? I would expect that if they want their money that badly and that they went to all this trouble, they would be happy to get the money. It 's embarrassing to be in this situation as it is, but every time you call them they make you feel worthless. They told me to borrow the money. Really? Why do n't they loan it to me! The amount on the agreement was also wrong. it was off by XXXX dollars. We owe XXXX, the agreement was for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Creditor's Collection Service, Inc.
State: NJ

Complaint narrative:
I cancelled an insurance policy with XXXX because they raised my policy more than double within a couple months with no justification.I called them on the phone after I already picked up CURE insurance told them I 'm cancelling and why they said it was cancelled at that moment we spoke. Next thing I get a letter I owe them XXXX and at the time I cancelled I owed them nothing They took their time dropping me from policy and expect me to pay for them when I already was paying CURE They put it as a collection on my credit report XXXX deleted it off my credit report but XXXX still has it on there

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