vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Resolution Inc (Closed)
State: CA

Complaint narrative:
Several collection agencies such as XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Concord Resolution ( XXXX ), keep contacting my cellphone, work phone and even my employer 's number claiming i have an unpaid online payday loan. I asked for proof but never got any in the mail or email. They know all my personal information and tried to charge {$480.00} from my bank account as settlement. Fortunately, I was able to put a stop payment on it.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Debt Group of NY
State: CA

Complaint narrative:
We received a letter - '' second notice '' from NDG ( National Debt Group, XXXX, TX ) proposing a debt settlement of {$11000.00} on a {$22000.00} credit card balance. There is no information about what credit card has such an outstanding balance. This is the 1st such notice. We have no such outstanding credit card balance on any card we have. 
We have not and do not intend to respond to this letter.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Riverwalk Financial CORPORATION
State: MA

Complaint narrative:
Complaint against ; Riverwalk Debt Solutions XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX AND XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX REFERENCE # : XXXX TOTAL BALANCE : {$680.00} Dear Sir/Madam, I had a student loan in default and Riverwalk Debt Solutions contacted me that they could help me refinance it. I agreed and the terms were that I pay a monthly fee of about {$120.00} for a period of nine months and they would help me pay a minimal fee which was income-based. I made about XXXX payments and could n't afford it anymore because I was n't working. During the remaining months, I received no correspondence from them afterwards and the loan refinance was never started. A couple of months later, XXXX decided to help me refinance, which they were able to and I stuck with them. 
Now I have a bill from XXXX XXXX XXXX that I still owe Riverwalk Debt Solutions for the remaining months that I did n't pay before they started. Their argument is that even though they were not able to help me refinance my student, I still owe them because it was a contract. I feel scammed now and would need some form of assistance about how to deal with it. 
Thanks and looking forward to hearing from your office. 
Yours truly,

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 2017-01-14 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: Access Capital Services, Inc.
State: CA

Complaint narrative:
I paid every thing I do n't owe nothing

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 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: MA

Complaint narrative:
In XX/XX/2016 a bank that was handling my wife and I car loan was bought out by another bank. The bank that was sold still pulled our last payment however the new bank is asking us to repay that month. I 've provided the new bank with documentation but they requested proving that I paid it and they harass me every month for that outstanding debt that is not there. They now say that they paid me back and someone cashed the check that they sent me. I have requested that documentation be given to me proving that it was cashed and by whom. And they can not provide that information for me I 'm being harassed every month my account is being charged overfees and I refuse to pay something I already paid. Can you please help me this Bank is trying to put us in bankruptcy or under Title 11 because they think we 're not in compliance when we really are. However they can not provide us with any information or any proof that they made a payment to us and I provided them with proof and I made one to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed these accounts many times. These account does n't belong to me. I am requesting these account be remove from my credit report.

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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have sent certified mail four times to Equifax ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Equifax dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XX/XX/2017. I 've been fighting with Equifax since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XX/XX/2017. I 'm requesting assistance in this delicate situation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
Seterus has been stringing my along with a loan modification since XX/XX/XXXX. All documents were received and the trial payments were complete. They informed me my Quit Claim Deed was invalid, because my ex-spouse ( who filed bankruptcy ) signature is not on it, but rather his bankruptcy trustee signed the deed on his behalf because he surrendered his rights to the property. The bankruptcy trustee has the authority to act on the ex-spouses behalf. I purchased his shared of the property from his bankruptcy trustee and a new deed with only my name was recorded in the County and at the Bankruptcy court. 7 months later and Seterus has still NOT approved the modification and found every excuse to not move the modification forward .I contacted XXXX ( XXXX ) to assist with an affordable loan modification on XX/XX/XXXX and ALL documents, RMA application, pay stubs, XXXX, hardship Letter, utility bill, HOA statement were all sent in to Seterus, I even signed the third party authorization to allow the rep from XXXX to communicate and negotiate an affordable mortgage for me. I also contacted XXXX to make a complaint against Seterus. XXXX is completing an investigation. I recently received a letter from Seterus stating my escrow account had a surplus and because my account was delinquent, the funds would be held. Seterus had to respond to my complaint w/ XXXX , and now Seterus is stating that I need to pay {$4800.00} for escrow shortage, if I want them to honor the OLD MODIFICATION that was submitted in XX/XX/XXXX. How do I go from having an escrow surplus for nearly {$1800.00} to a {$4800.00} shortage?? XXXX submitted a mod packet on my behalf for an affordable mortgage and affordable payments but Seterus has NOT replied to the XXXX modification package that was sent on XX/XX/XXXX. All supporting documents were submitted and Seterus acknowledged receipt of ALL required documents. Is there a timeline where the mortgage company has to reply to XXXX proposed modification packet? It appears that I have not been able to get any concrete answers or responses and would like help with expediting the XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
last month I opened a Capital One Master Card at that time I enrolled in auto pay. I accidently entered my inocorrect checking account number and the payment was returned.after speaking to them 3 times and trying to make 3 payments ( in all conversations they told me that the matter was cleared up ) .. 
Today again I called and asked why they are not taking my payments, finally they told me that the checking account I entered was wrong.. I made a for XXXX.. they said my account was going to remain frozen until I verify the wrong account I mistakenly entered in autopay.. since I do n't know the number I I cant.. they have my proper checking account number. but will not take my card off being frozen. I said I would pay it off and close the account. they said I ca can pay it off but the account would remain open forever and I can never use it be because I am unable to verify the checking account number that I initially entered incorrectly.. but they will continue to charge me an annual fee for the card.. so they wont take it off the frozen status and they wont close the card. 
they say they recorded all of my phone contacts with them so I asked them for transcripts of the conversations proving that I tried to pay 3 times and 3 times they told me that the problem was reconciled.. today I spent many hours on the\ phone with them talked to three people and they said were putting me on hold but they hung up ... they kept trying to make me say that my acts were intentional and that I tried to fraud them ... they were pushing me to use those words.. I need this resolved so it dosent ruin my credit and I want copies of the transcripts of the conversations.. I want to sue them or get a lawyer or something I admit that I mistyped my checking account number in autopay completely by accident.. how can I resolve this and sue them. how could they refuse to close my account, I cant ever use it, I have to always pay annual fees .... 
unless I verify an account number that I mistyped and do n't know what the number is ... I want the transcripts to show that they told me it was resolved 3 time 3 times and to show how they tried to make me use words to say that I frauded them intentionally.. 
PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was doing automatic payments via my bank check account, my school enrolled me in school again and Navient, instead of calling me or email me to the designated email I assign to contact me, they did deferment of payments when I started the school enrollment accruing taxes. At the time my school enrolled me, I was taking care of my Daughter, she got really sick in those days going on and off from the hospital for 4 months ; finally on XX/XX/2016 she got XXXX and now is doing better. They made all this changes in that period of time. Since was an automatic payment, I did not care to check if they were taking the money of my account or not. Recently when I needed to take a copy of my XXXX I noticed the interest was XXXX to deduct from my loan, I contacted them and they told me they sent me emails to my primary email which they never did about the deferment of payments. Today I saw that they sent me emails to my Navient 's account. I am still a student and will be in the next months until XX/XX/XXXX, and I received a letter that I will start my payments in XX/XX/XXXX, So if by law they need to defer payments while you are enrolled in school, why they will restart the repayments in XX/XX/XXXX. I told them is not fair they did not notified me and they told me I needed to know the rules about payments. Their answering service for claims is an outsource company and you can not speak with a manager. I think they need to be punished not notifying clients about changes in their accounts to their personal emails. In my profile its stated which is my preferred email to be contacted and they did not do it as requested. Also, when I was a student, I chose the option to pay my interests monthly while in school, they never contact me for payments and they accrued a considerable amount of money, you can check the documents they should have on file. Also they need to be penalized for not following the borrowers wishes and choices. I come from XXXX, everything with loans is new for me. I think that they purposely do not explain things so you pay more interests. Thanks, My phone number is XXXX, My email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Rubin & Yates, LLC
State: PA

Complaint narrative:
This person by the name of Rubin and Yates has contacted me several times on my cell phone and now somehow they got ahold of my place of employment they have also sent me emails with fake drawn up court papers stating that I 'll be taken to court. The number they just called me on at work is at XXXX and when I picked up all he asked was is this XXXX XXXX and then I said my I ask who 's calling and he would n't identify himself and then I disconnected the call. They leave me threatning voicmails stating legal obligation and I 'm being named as a defendant and is going to to have a sheriff dispatched to my home/and or employment and that I have to appear in court. Said me or my attorney needs to call them at this number and that I have been legally warned ... XXXX. They also mask thier phone number by using a local number as well. I usually do n't answer it because I 'm sick and tired of the threatning calls and when you ask these people for documentation they start yelling and screaming at you and then hang up the phone. I believe these people are fraud. I would like this to stop immediately..

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: NY

Complaint narrative:
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from XXXX XXXX XXXX stipulate just that, and they have started to process of removing the XXXX collection from my credit report. A second company called XXXX XXXX XXXX XXXX stipulates that they purchased the debt from XXXX NA at the same time. They like XXXX can not enforce a debt that is considered non-collectible. So, if the debt is simply too old to collect, and the fact that XXXX can not collect, they sent the collection to a new collection agency called Stoneleigh Recovery Associates. This is the third collection agency that simply has no recourse to collect on an antiquated debt. XXXX XXXX XXXX XXXX shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report from any collection agency. This is an example where a collection agency is using my personal credit rating as XXXX to collect on an old account that has already been removed from my credit reports by the original creditor, XXXX XXXX. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld Systems Inc. ( www.transworldpayments.com ) continue to call my home, harass my family, and send me letters for a debt of {$120.00} for a medical bill that I paid over a month ago! I have shared the receipt, and yet they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFM Financial Services, LLC
State: NJ

Complaint narrative:
I prviously filed a compaint # XXXX against AFM Finacial Services for not providing monthly statements reflecting my payments and current balance. AFM responded with an apopogy and stated statements will be provided. I received one statement as a result, for XX/XX/2016 in which the the payment date was changed from XX/XX/XXXX to XX/XX/XXXX. I have not received any statements since despite calling AFM XX/XX/XXXX to point this out.I also reffered them to the original complaint number andtheir response, to which AFM ( XXXX-no last name provided ) claimed to be unaware of stating it must have been their " compliance XXXX '' .The end result is the same, I am not receiving statements although I have continued to make my monthly payments. I have no assurance my account at AFM is being credited correctly.I have no documenatation for IRS purposes since this is a medical debt.I am inclined to stop making payments since there is no acknowledgement from AFM that I have faithfully made payments as agreed. AFM has alternated from being unduly rude to complete indifference when I contact them about this issue.At this point I would consider the debt invalid since AFM will not acknowledge my payments.AFM does deposit my check 's but again without a monthly statement I have no idea, or at this point, any faith my account is being properly credited.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rent Recover, LLC
State: GA

Complaint narrative:
this information was shared illegally without my informed and expressed consent

Company response to consumer: Untimely response
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pacific Collections
State: CO

Complaint narrative:
I paid back the loan ( TWICE )

Company response to consumer: Untimely response
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: YKS Acceptance, Inc.
State: IA

Complaint narrative:
We leased a vehicle from XXXX in XXXX Colorado with the option to buy. The car was a salvage vehicle. We could not license the car. Not only was it a salvage title the car was in XXXX major accidents and they did not inform us of any of this. When we asked for the car fax they said the computers were not working but assured us that it was a very good vehicle. The car had electrical problems, we drove it back to Iowa for a family emergency and we could not drive the vehicle back to Colorado. After going back in forth with XXXX we came to an agreement. We would get the vehicle fixed and the place of their choice!!!!! We called the repair shop and they would not work with this particular warranty company. They requested we pay the amount to fix the car and then be reimbursed from the warranty company. We were not in the financial position to do this at that time. XXXX agreed to pay us our money back and we would go our separate ways. Instead XXXX from XXXX sent XXXX men to my elderly mothers home to reposes the car after we had already made arrangements. They took the car we had all of our personal items in the vehicle and I have emailed XXXX numerous times asking for our things back with no response. This car dealership is dishonest, corrupt, and take advantage of their customers. They knowingly leased us with the option to buy a salvage vehicle that was in XXXX major accidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: ID

Complaint narrative:
Discover company claims I agreed to a payment protection plan in 2003 but ca n't give me proof. They have cancelled the plan on my request and have offered a refund of the past 6 months chargesture. This plan represents a great deal of money charged me with no benefit to me at all. My husband pays the bills and did not realize this was a scam charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since falling victim to the XXXX, XXXX XXXX, Experian, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.

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 non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
Call to my mother sent to me. Wanted name and social security number and threatened possible summons but need not specify reasoning. Left a case number and telephone number XXXX.

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 non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Mobiloans, LLC
State: NJ

Complaint narrative:
I ca n't pay, too high interest. 
I was paying twice a month. 
For this loans I 'm in a debt settlement program.

Company response to consumer: Untimely response