vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Riverwalk Financial Corporation
State: SC

Complaint narrative:
Threatened me on the phone that they were going to arrest my wife if she did n't pay a debt she supposedly owed them. I paid all her debts off in 2012, so that 's not possible. They also called my sister a few weeks ago and claimed my wife was going to be jailed for failing to pay. How they got her phone number is beyond me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Consumer Portfolio Services reported the incorrect balance of {$2800.00} on XX/XX/2017 for my car loan account to XXXX, XXXX, and XXXX credit agencies. Prior balance reported as of the XX/XX/2017 statement was {$2800.00} ; payment posted to my account on XX/XX/2017 for {$1800.00}. Current principal balance on my account is {$1500.00}. Please verify & correct the information being reported by CPS, XXXX, XXXX, and XXXX in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: RI

Complaint narrative:
consumer portfolio services told my insurance company when i got involved in a accident that i defaulted on my loan and the loan was charged off because of delinquent payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: Voss & Klein, LLC
State: FL

Complaint narrative:
VOSS AND KLEIN COLLECTION AGENCY REPORTS TO THE CREDIT AGENCY AN ACCOUNT THAT WAS PAID ALREADY. 
THE ACCOUNT WAS LATE 30 DAYS AFTER THE FIRST INVOICE ISSUE ON XX/XX/XXXX, THEREFORE BY LAW IT SHOULD BE OUT OF MY CREDIT REPORT 7 YEARS AFTER XX/XX/XXXX WHICH IS XX/XX/XXXX. 
THEY REFUSE TO REMOVE THE INFORMATION FROM MY CREDIT REPORT. THEY SHARE WITH XXXX, XXXX AND 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 2016-03-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: CO

Complaint narrative:
I have now gotten XXXX calls since XXXX this morning and it is noon. This is extremely excessive and I told them last week and the week before what is going on. I am getting over a call an hour and its stressing me out and keeping me from working. I have asked them multiple times to get the call count down, my account is only one month late.

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 2016-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae is giving me the " run around '' when trying to get payment assistance. All departments transfer me to other departments, each stating that it is the previous department that can help. This cycle has happened 4 times that I have contacted sallie mae. The customer service center only offers a forbarance program which does not make affording the payments any easier. There was mention of a Rate Reduction program but each person I talked to referred me to another person who could " help '' all said it was another person. Again this happened 4 times. They have the absolute worst customer service. And are not willing to help at all.

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 2016-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae is engaging in harassment tactics to attempt to collect payment. From having XXXX, I know that it is not legal for companies to engage in such practices. They call me several times PER DAY, and many of the calls are during work hours. This is completely inappropriate. It is also entirely inappropriate for them to call my mother during business hours. As of today, I have written them a letter demanding that they stop immediately. I will file an additional complaint if they do not adhere to my demands. Any of the times I have answered their calls, their agents have been incredibly rude and/or condescending. I will not stand for this kind of treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION
State: NH

Complaint narrative:
My sister is a student and has bad credit so she asked my wife and I to co-sign on her loan. My wife applied and was rejected. I then tried ( my income is much higher ) and I was rejected. I called to ask how this was possible ( I have a high salary and an XXXX XXXX score ). Sallie Mae explained that it was a hard rejection because of my sisters credit history. I told them that it was not reasonable for them to have me apply for as a co-signer when they knew all along, that it would be rejected. This means i got dinged on my credit score for applying for a loan and I show that it was rejected. Their response was that I should have applied over the phone instead of using the link in the email I got -- they would have told me it would have been denied. 

This is not fair and could easily be avoided if the application process checked the primary borrower first and only solicited the second person if there was a chance of acceptance with the co-signer. The CSR said they wo n't fix it and they would not escalate my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
This company ' sent someone to my home on XXXX XXXX at XXXX to repo my car. We were going to take our kids on vacation the next day and had purchased their clothes and beach items and had everything already packed in the trunk of the car. I contacted the company and they said the car lot wanted the cad back and would not accept the payment I made that it would be returned to me but they took the payment anyway I 'm now with no car had to rebuy everything for our vacation and out out of XXXX.this company is a ripoff something needs to be done it is no big deal to them because they have their car and my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I previously filed complaints with the CFPB & other agencies against XXXX XXXX XXXX for abusive business practices relating to an unsubstantiated collection account. ( Case number : XXXX ) XXXX XXXX XXXX responded to my complaints and deleted the unsubstantiated collection from my reports and stated that they were closing the account. Shortly afterwards, another collection agency DeVille Asset Management placed the same unsubstantiated collection on my credit reports. After years of abusive and illegal behavior from XXXX XXXX XXXX, they appear to have done nothing but pass this unsubstantiated collection on to another collection agency. A few days ago, I received a letter from DeVille Asset Management, LTD stating that I MUST pay by XXXX/XXXX/2016 or it would result in further action being taken against me under all available remedies. This letter was not in an envelope but sent simply as an already opened perforated piece of paper. The credit reporting agencies have placed security alerts on my credit reports. I have also filed formal complaints with the office of the TX Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
They keep calling me at work and I have asked on XXXX different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at 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 2017-03-16 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: Advanced Collection Bureau, Inc.
State: GA

Complaint narrative:
I am writing about a collection account with Advanced Collection Bureau. This account was disputed and removed from my credit reports back in XXXX 2016. Now all of a sudden it has reappeared on my credit reports and I have disputed it on multiple occasions without any resolve. I am also under the impression that this agency is not license to collect in my state

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: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc
State: FL

Complaint narrative:
On XXXX/XXXX/15 I received an email from a XXXX XXXX. Case XXXX Amount Due XXXX Loan Company USA Fast Cash. They claim they are going to prosecute me within couple of days. The email stated the XXXX XXXX XXXX XXXX has stated XXXX serious allegations against me. The telephonenumber to call is XXXX. I have never borrowed money from USA Fast Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: MNE Services, Inc
State: SC

Complaint narrative:
I contacted United Cash Loans by telephone to a XXXX XXXX @ XXXX XXXX XXXX to obtain an installment loan for {$5000.00}. 
In order to obtain this loan I was instructed to purchase XXXX XXXX red label forms and telephone the numbers to XXXX XXXX. I purchased {$950.00} of these XXXX Transfer tickets which cost me {$1000.00} and gave the numbers over the telephone to XXXX XXXX. ( these numbers are available from me upon request ). Then XXXX XXXX requested more money claiming that I must pay income tax on this loan. 
As this did not sound legitimate to me, I contacted the XXXX XXXX XXXX to file a complaint. The XXXX contacted this loan company twice with no response from the loan company. Names and file numbers for this complaint are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MSW Capital, LLC
State: GA

Complaint narrative:
This is an update to Case : XXXX and XXXXCourt date was XXXX XXXX. Attorney XXXX XXXX informed me that they have done all they were obligated to do. While he agrees that this has been going on a long time, they are not obligated to notify me since I disputed the debt. XXXX, XXXX XXXX XXXX XXXX notified me of the debt collection via a letter dated XXXX XXXX, XX/XX/XXXX. In that letter I was NOT informed of the original creditor. XXXX, XXXX and XXXX did not notify me of the original creditor until a letter dated XXXX XXXX, XXXX. In addition, as of today 's date XXXX, XXXX and XXXX still have not provided ALL of the requested information in my fax to them dated XXXX XXXX, XX/XX/XXXX. 
After Attorney XXXX XXXX told me that they have no obligation to notify me and that they have done all that they are obligated to do, I asked him what where my options. He advised me to pay a lump sum on the debt or set up installment payments. As it was apparent that XXXX XXXX, as has been done before by XXXX, XXXX and XXXX, was attempting to side step the law, I asked for a continuance of the case so that I can hire an attorney. That date is now scheduled for XXXX XXXX. 

I have been advised that based on what has occurred to file complaints with the State Bar of Georgia against XXXX, XXXX and XXXX and Attorney XXXX XXXX as well as filing complaints against MSW Capital with the Governor 's Office of Consumer Protection and Federal Trade Commission. Those complaints will be completed this week. Copies of CFPB complaints will be included in the new complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I found an account that I did n't recognize on my credit report. I have sent multiple letters to capital accounts asking for validation of this debt over the past 7 months. The last letter I sent to capital accounts was on XXXX XXXX, 2016. This letter was sent pursuant of the Section 623 of the Fair Credit Reporting Act. Section 623 of the Fair Credit Reporting Act allows me to dispute information directly with the furnisher of the information. Capital Accounts has failed to respond in a timely manner. I assume that capital accounts has no documentation of this account. I believe this account to be a fraudulent account and capital accounts refuses to respond to any of my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 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: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
Second XXXX is attempting to collect and sue over an account that was paid in full by XXXX insurance provided by XXXX XXXX in 2012. This debt is false. I am being harassed over the phone with multiple phone calls back to back and they have come to my home at XXXX at night threatening my spouse

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Signature Bank (NY)
State: NY

Complaint narrative:
Check was issued to payee, money was deducted from checking acct, however payee never received moneys and check was never endorsed by payee. Transaction happened XXXX, XXXX XXXX XXXX XXXX Signature Bank, XXXX. XXXX, XXXX, XXXX 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 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
I received a call from a man who said he was Kay Jewlers but refused to give his name. He told me I had 2 hours to come up with {$75.00} or they would take legal action. They are repeatedly calling me all hours of the day from different numbers, calling my work repeatedly after being told I can not receive personal calls at work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-25 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
CHOICE RECOVERY account NumXXXX I have XXXX unverified accounts from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY and I believe it is a HIPPA Act violation. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers 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 2016-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
My Brother passed away XXXX XXXX XXXX. I turned in his bank card to First Merit Bank Monday XXXX XXXX XXXX so that no one would be able to use it. I provided his death certificate with my ID. I was told when the account sat inactive for a period of time the funds would be released. It is XXXX XXXX and I receive a bank statement every month showing a {$1.00} fee being charged for the bank they have. The account has activity by First Merit for a card they have in their posession, the account will not ever sit inactive with them doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Brookshaw Management, LLC
State: TX

Complaint narrative:
I had lost my job over the summer ; i took out a loan that i default on it and it isnt till three months at my new job that the collections affords been to the extreme ; they have called from private numbers and even skip trace and started calling family members and leaving voice mails and calls while trying to contact me and mind you i do have a po box also that i have had over a year now to ensure i get my mail and nothing short of this has come my way but more " news letters '' to get another loan from cashnet usa -- i am short of wanting to pay a retaining fee to get a bankruptcy decree if able to -- to make these people stop from harassing me and my family that i do n't have any contact with! when i told them that i could make a payment in full which is two week from this week and mention that i was going to be filing a complaint and contacting a lawyer which i look up at work and will follow up with the gentleman there then stated i was threatening him and his company and that would not assist me but after that fact he knew that what they were doing was wrong and how they were going about it i need help it could n't afford to even pay my tax penalty for not having health care last year and got that straightened and now they want to continue to hound me through my family members and sharing " Debt collection '' practices i am willing to pay for a lawyer if i can file bankruptcy so i can get a cesist and dease applied because this enough! i believe they are pretending to be a law firm in my state and also have someone who is contacting me and my family from a private is requesting i meet and sign " Certified mail ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sortis Financial, Inc.
State: MA

Complaint narrative:
I have a mortgage with XXXX. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to ClearSpring Loan Services for collection even though the mortgages are current and I continue to make regular payments. In speaking with XXXX several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from ClearSpring demanding payment even though I have sent an e-mail to ClearSpring explaining the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AVANTE
State: LA

Complaint narrative:
I am a XXXX veteran and I was treated on XXXX/XXXX/13 at XXXX XXXX Hospital as per an agreement between the Veterans Administration and XXXX Hospital. The VA has made payment in full for this treatment. 

This is the second or third time I am having to deal with this. The collection company name has changed from the XXXX now to Avante USA but a XXXX XXXX is the CEO. This leads me to believe that this is the same company. The name XXXX XXXX XXXX I am not familiar with at all. 

The fact that they have out of the blue turned up and have entered this account as a collections account on my XXXX credit file upsets me very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
On XXXX XXXX, 2015 I made a call to my lien holder, the goal was to obtain the information to the person that has the authority to make settlements as well as close my file out completely. I was told there is no one I could speak to that could help me. Attached is a letter with further detail

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.

Company response to consumer: Closed with explanation