vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: MN

Complaint narrative:
I am a XXXX working in a XXXX for eight consecutive years. I have applied for XXXX loan forgiveness meeting all the requirements. My application was excepted last XXXX and I was told I would have an answer with in 90 days. I still have no answer going on 11 months. I have talked to ACS the loan service multiple times and they give me a response of " it is still being reviewed '' each time. I ask by who and they can not give me a answer. I am told I will be given a expedited application status and call back and for 11 months now I hear nothing and have to keep calling them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 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: Midwest Recovery Systems
State: TX

Complaint narrative:
About a year and a half ago I purchased a membership to XXXX over Texas. I paid off the membership, and have provided proof to the debt company that it has been paid off. I have been harassed for months about this issue. I have issued verbal and written statements that they are not allowed to call me again, that the debt was paid, and that they have received proof of payment. They have acknowledged all of this, yet they continue to call, sometimes multiple times a day, and harass me at home and at school. They have used intimidation tactics, such as saying if I do not pay the debt in full they will destroy my credit. They have talked to my father, invading my privacy and causing emotional and social stress. They have not, as they said they would, sent me proof that the debt is owed. It has been more than 30 days. They are being fraudulent and negligent. They have reported it, falsely, and it is impacting my credit negatively and harming my ability to take out loans to pay for college and get an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I have a collection account under my credit report who I do n't have any idea who the company his. I get harassment calls all the time and all days with treats. Telling me they going to take everything I owned and put me in jail. I get XXXX kids at home to feed and this calls scare me a little bit. I want this to stop especially from someone I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MO

Complaint narrative:
In XXXX of XXXX an account that was in debt was sold to Mercantile Adjustment Bureau. In the same month the debt was sent to collections, without any notification received by me. There was no telephone contact, or mail attempts regarding my right to dispute. The account once more entered collections in the month of XXXX, XXXX. There was also no attempt to contact me by mail or telephone. 

In XXXX of XXXX, I was contacted by a collector from this company, stating I was responsible to pay {$2000.00} dollars. Following this phone call I was scared, because I was unsure of what to do. I believe I was pressured in to settling the debt, even though I was attempting to dispute the original ownership of it. 

Following the telephone call, I began to do research and it was in fact an actual debt collection agency. I immediately paid it off out of fear and reprisal. Once the debt payment was received the business had X amount of days to report the payment to all major Credit Bureaus to include, XXXX, XXXX and XXXX. 
After an extended period of time, no contact or notification was received regarding payment and debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Radius Global Solutions LLC
State: DC

Complaint narrative:
On XXXX XXXX, 2015, I received a letter from Central Credit Services LLC, dated XXXX XXXX, 2015, attempting to collect a debt I allegedly owed XXXX. On XXXX XXXX, 2015, I sent a certified letter to Central Credit Services ( i ) denying that I owed the debt ; XXXX ii XXXX demanding that they cease attempts to collect the debt or contact me until they could satisfactorily demonstrate the validity of this debt ; XXXX iii XXXX stating that any further contact should be in writing to a specified address and only for certain limited purposes ; and XXXX iv ) directing them to refrain from reporting any negative information to a credit agency. This letter was delivered to Central Credit Services on XXXX XXXX, 2015. 
Subsequently, on XXXX XXXX, 2015 XXXX I received a call from XXXX. The caller would not identify herself at first ; only after multiple requests on my part, did the caller acknowledge that she was calling on behalf of Central Credit Services. I told the caller that I had disputed the debt and directed them not to contact me, that calling me was a violation of the FDCPA, and that I would be filing a complaint against the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX ( Hospital ) failed to submit a claim to XXXX XXXX XXXX for reimbursement in XX/XX/XXXX when I was on XXXX in the military. In XX/XX/XXXX, XXXX representative said the Hospital can resubmit the claim for payment. The hospital representative was contacted to resubmit the claim. A document was requested either by First Financial Asset Management or the Hospital pertaining to my case. The form was sent per their request. The hospital sold the bill to an outside collection department instead on resubmitting the claim. First Financial have XXXX XXXX XXXX attempting to collect the debt. The bill is XXXX and will settle for {$240.00}. I 'm required to pay a bill the hospital fail to submit to XXXX now owed by a collection organization?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of XXXX XXXX and disclosed I made a recent payment while account was in collection, complete false. XXXX XXXX can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NCS, Inc
State: MN

Complaint narrative:
In 2013 I had talked with Noll Collection they asked me questions about the debt asked if I had attended the school advised yes then that was it later few months I found out they tricked me into a verbal judgement and they have refused to send me letters of the debt nor have they sent anything about being served for a judgement! They have failed to give mini miranda on multiple times they have threatened that if I do not provide my employer info that they will take any action that they can and hung up on me- They have been rude and unwilling to work with!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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: Radius Global Solutions LLC
State: MN

Complaint narrative:
I am not the person that owe this debt. They are contacting me on my work number and leaving a message on my voicemail ( where I say my name ). However, they state the person 's name they are trying to collect the debt from in the voicemail. I believe this is breaking soem sort of privacy protection laws under the FDCPA by leaving a message about someone 's debt on a voicemail that clearly does not belong to that individual.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: Radius Global Solutions LLC
State: CO

Complaint narrative:
XXXX claims I owe them {$290.00} they sent it to a collection agency called central credit services at XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX my XXXX bill when paid was paid a month ahead of time i have proof that I paid XXXX on XXXX/XXXX/2015 and that I started XXXX on XXXX 2015 because XXXX would not work with me I told them I did n't want to do business and droped there service on XXXX/XXXX/2015 I sent back the XXXX and the XXXX modems and tv relievers on XXXX as soon as they sent me the return address labels.When I contacted them I asked them to cease and desist, the central credit service dos n't have and e-mail so I can send them a paper trail.I hope that you can contact this credit collection place and help me resolve this issue and get this off of my credit. sincerly 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 explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC
State: VA

Complaint narrative:
We attempted to get a VA mortgage from New Day XXXX and after 6 weeks they just were not a able to get their act together and move to the Processor. So we switched to XXXX XXXX. Now XXXX XXXX needs the VA Appraisal and New Day XXXX is refusing to release the Appraisal to XXXX XXXX and we may miss our closing date. New Day XXXX just is not responding to our requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC
State: KS

Complaint narrative:
The XXXX bill is out of statue of limitations. They keep selling my debt after I sent them a cease and desist letter. I sent certified mail on XXXX XXXX, 2014. It was signed by them I have all proof told her it out of statute of limitations she wanted to argue with me. Refused to tell me last time I paid on that bill keeps selling it off. It 's way over 10 years old she still wanted to argue with me. I told her you never mailed me a letter still wanted to argue told them over the phone to cease all communication with me. Told me the wrong address for the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
XXXX, a representative from First Financial Asset Management, called me from this number : XXXX, to collect a debt that is not mine. Additionally, this company and representative did not do ANY due diligence prior to contacting me ( or they would have known not to contact me ). How can it be legal for them to contact me, ask " what am going to do about a bill he 's looking at '' that I am not responsible for in any way?? How can it be legal for him to contact me and not be fully knowledgeable of the purpose of the call? How can it be legal for XXXX XXXX to pass on my information to a collection agency, when they should know the details and know I am not responsible for this debt? Please advise.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 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: Radius Global Solutions LLC
State: ND

Complaint narrative:
In XXXX of XXXX, I cancelled my internet and cellular telephone service with XXXX XXXX because of their poor customer service. They bundled and unbundled my services too many times. On XXXX XXXX, XXXX, I checked my credit report and found a collection item from Central Credit Services. I called Central Credit Services and was told that I owe XXXX XXXX for my final billing. However, I called XXXX XXXX in XXXX and XXXX of XXXX to ask for my final bill and was told each time that my balance had been paid in full. On XXXX XXXX, XXXX, I called XXXX XXXX and was told the final bill was due to cellular phone charges in XXXX. I then called XXXX to verify that my cellular bill had not been paid. The representative from XXXX let me know that my cellular bill had always been paid, and I have a zero balance going forward. He also noticed that the service had been bundled and unbundled by XXXX XXXX many times. On XXXX XXXX, XXXX, I talked to XXXX in XXXX ( she was more than happy to tell me where she was ) from XXXX who told me that now I owe for a modem, too, so the bill is not only for cellular service but also for a modem. I do n't know how I leased a modem in 24 hours since I do not have service with XXXX anymore. I let XXXX know that I would be happy to give XXXX the documents I will be receiving from XXXX if they are willing to pay the {$5.00} fee I had to pay to receive them. If I would not have checked my credit, I would not have known about this account because XXXX XXXX gave the collection agency the wrong address, and I never received a letter from the collection agency to tell me the account existed. It needs to be noted that I gave XXXX XXXX the correct address several times both over the phone and on the company 's web site many times, but it was never updated. I tried to resolve this issue with XXXX, but she told me I had to dispute it through the collection agency. The collection agency told me I had to dispute it through XXXX 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 explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
This creditor/collection agency is reporting a fraudulent account to the consumer reporting agencies on my consumer 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 2015-04-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
could n't pay its charged off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
In XXXX 2015 I deferred my car payment through Hyundai Motor Finance ( or so I thought ). I faxed back the letter, like they asked and like I have before, only to get a statement in XXXX 2015 showing TWO months due. I called and spoke to a gentleman who apologized and said the deferment was never proccessed in XXXX but had no idea why. As a resolution he offered to defer XXXX 's payment too in which I accepted. I received the letter, faxed it back ( and brought a witness this time ) AND CALLED to confirm the fax was received. I was told it was currently processing. Now I paid my XXXX payment and here it is XXXX and they are threatening to repossess my vehicle. I feel that I did everything I was supposed to do as a customer and they are treating me unfair. My credit has been ruined showing I have late payments and it 's not even my fault! I am also reporting to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
In 2013 I went to XXXX XXXX because i was looking for a car or suv that is liable and to get my daughter to school and back and also to get her to her medical appointments ... Anyway, the car i wanted was less than the car they tried to push on me. Salemen get over on women, especially single parents with no knowledge of a car and how thigs work.. I did n't want the car at all but i had no other choice because i had no one to count on to get my daughter to her medical appointments. So i was told by the man who sold me the car after a couple months my payments will decrease. I agreed and accepted the car. The same week i got the car different things started happening to the 2013 hyundai ... The seats was fading due to leakage from the rain ... The CV joints tore up, the brakes went out and the tires always stayed flat. Back and fourth to the dealership, yes they fixed it but the car was different to drive. This car was endangering myself and my daughter life. I complained to the finance company and reported them to the XXXX. I let the car go back because it was stressing me out financially due to having to go back and fourth to the dealership and having to get car repaires done. This all happen the same week i got the car and it continue up until a year and i was fed up because it was dangering my life and my little girl. Hyundai motor finance company came and got the car after telling them several times about the problems i was having with this lemon car. They were n't concern ... A month later they sent me a notice stating they sold the car and want me to pay the remaining balance of {$9800.00} Why should i pay for a car that caused me problems and suppose to be a brand new car? Then they sent me over to a collection debtor who wanted to make an offer and charge me {$7800.00} ... I feel like i should n't be repsonsible for junk that almost caused my life and my daughte life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC.
State: PA

Complaint narrative:
I was never contacted by mail or telephone from this collection agency and they have no right to put something on my report causing my score to drop. I have sent 2 certified letters to validate date and received a return receipt from both stating that they were received the validation letters. However, I have not received anything else from them and they still continue to report a negative account/collection or my credit report. This is prohibiting me from obtaining credit as well as well take the necessary steps to obtain secure stable housing for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
I received a first demand notice XX/XX/2016. I called because I have been paying monthly payments as agreed upon. I was told that I was only paying interest and could I get someone to pay off the debt or increase my payments. I am paying as much as I can monthly. I receive penalized early retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am a XXXX XXXX customer. 

This is regarding an early termination fee demand of {$200.00} by the Attorney of XXXX XXXX for de-activating and/or early termination of service from XXXX XXXX. 

On XXXX XXXX, XXXX, I bought an XXXX phone from XXXX XXXX, XXXX XXXX, XXXX, VA XXXX for {$49.00} ( Carrier : XXXX XXXX ). 

However, on XXXX XXXX, XXXX, I went out the country and de-activated the phone and paid the balance amount in full to XXXX. When I returned from abroad, I again re-opened my XXXX XXXX account ( Account No : XXXX ). 

When I bought the devicep/phone originally, I asked the sales person to clearly state and write the cancellation/termination policy and fees because consumers normally do not read several pages of agreements in fine/small prints. 

He told me that I have a no-contract service ( XXXX ) with XXXX and that I can terminate the service at any time by paying the full amount of the device/phone. 

On XXXX XXXX, XXXX, I received a letter from Aldous & Associates , PLLC, XXXX XXXX, XXXX, UT XXXX, asking me to pay {$200.00} for cancellation of my service with XXXX. 

I did not sign this agreement that I would pay {$200.00} to XXXX XXXX for early cancellation of service from XXXX. The sales person never told me that I have to pay this amount. My daughter, who was with me, is the witness. 

If I knew there was an early termination fee of {$200.00} due to XXXX XXXX, I would not have bought the phone and enrolled in XXXX 's XXXX program, which is a " no-contract '' service by which the customers could terminate/cancel their service at any time. 

Since I did not sign a contract to pay {$200.00}, and since the sales person of XXXX XXXX did not disclose about the early penalty of {$200.00} to XXXX XXXX, I do not owe any money to XXXX XXXX. 

XXXX XXXX must be instructed to train its employees to clearly instruct the customers that they would have to pay {$200.00} early termination fee to XXXX XXXX for early termination of service from XXXX, even if they have a no-contract ( XXXX ) service with XXXX, so that XXXX would not defraud the customers.

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