vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central States Recovery, Inc.
State: TX

Complaint narrative:
I received a phone call from Central State Recovery in XXXX Kansas. She stated that I owed a medical bill of {$180.00}. I paid {$90.00} and due was due to pay another {$90.00}. Due to fraud on my bank account and XXXX Insurance data breach and credit card fraud. My accounts were closed. I received a text message from my previous employer stating XXXX XXXX contacted his wife at home in reference to this account. I called the number and was informed of a returned check. I advised that it should not have been returned. Due to the fraud on my account nothing was clearing my checking account. I asked how they contacted this lady whom I have seen XXXX time in XXXX years and does not know me and they said they just did a XXXX Search and obtained the number. XXXX Search lists over XXXX numbers on file and they contacted several numbers leaving my name and information on voicemails. When I spoke to the manager she stated that they did nothing wrong and I should have had XXXX numbers on file and this would not have happened. I advised her I received no call in reference to this. I have NEVER received ANY letter validating the debt and they to date have not provided XXXX. They submitted the {$90.00} to my credit report of a debt that I have no letters confirming my rights as a consumer or the debt company.

Company response to consumer: Closed
Consumer complaint received 2015-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
On XXXX XXXX, 2015 I visited the drive through at First Merit bank in. XXXX. Michigan. XXXX XXXX XXXX XXXX , Michigan XXXX. I deposited XXXX checks totaling {$3500.00}. I asked for {$200.00} cash back. Please see attachment of deposit slip. I put that the {$3500.00} with the {$200.00} cash kept that I was making a total deposit of {$3200.00}. The math is obviously wrong. The deposit was to be {$3300.00}. There is a {$100.00} discrepancy. The math error was my fault. The teller gave me {$200.00} in cash and I was given a total deposit of {$3200.00}. Nothing was said and nothing was corrected on my deposit slip. I counted the {$200.00} given in XXXX twenty dollar bills and drove away. I later examined my deposit slip online and noticed the error. I brought it to XXXX 's attention at First Merit bank. She told me that I was given {$300.00} in cash that day to correct the error. I was not. I was given {$200.00} in cash. I asked her for the bank video and she said that there would be none. She refused to give me my money back. The deposit slip says it all. The math is wrong and there are no corrections on it. I was only given {$200.00}. I certainly would notice if I was given an extra {$100.00}. I know {$100.00} is not a large sum of money and maybe not worth this hassle but I feel cheated to and lied to. This is not fair. Please examine the handwritten deposit slip. I have front and back from my transaction. It is not corrected but it cleared the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I received a billing from American Coradius International LLC ( ACL ). The billing is dated XXXX XXXX XXXX. In it, ACL indicates an account " has been placed with our office for collection. '' The creditor is identified as XXXX, XXXX. In the billing, my first name is misspelled. No validation of debt was included. A call to XXXX confirmed that I have no debt with XXXX. My credit report shows no negative report or judgment. While communication from ACL was not electronic, this billing and threat of action resembles phishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I feel that I was pressured into purchasing s vehicle aND extended warranty when I was at a very vulnerable state. I was involved in an automobile accident on XXXX/XXXX/XXXX while driving my boyfriend 's car. Immediately following the accident, I took his car to XXXX XXXX because I had a scheduled oil change appointment. While waiting, I was sold a XXXX Nissan Altima for around {$4000.00}. I was in a very distraught state after the accident, I suffer from a XXXX that causes me to make irrational decisions at times, and I was coerced into purchasing a 12 year old vehicle with a {$3000.00} warranty, and the vehicle was financed. I honestly was n't in a good state of mind but i believe that the sales and finance guys pressured me into signing the paperwork and I truly did n't realize what I was getting myself into. I was given an interest rate of XXXX % which was n't disclosed beforehand. Is it legal and ethical to finance a 12 year old car at 28 %? Additionally, the engine went out on the car within the first 10 days and they replaced finance it after initially refusing to cover it. The company did a welcome call and I disclosed that I needed to speak with a manager or someone in underwriting because I was n't in a state of mind to make the decision that i was about to make. I told them about the accident, i was out of work on XXXX, and I was not prepared to commit to the purchase. I was told they would have an underwriter call me back to discuss my options, but this never happened. In the mean time, I had a second accident on XXXX/XXXX/XXXX, which caused additional work loss, physical and mental limitations, and I was prescribed controlled substance to help with the pain. After contacting American Credit Acceptance again, I was told it was too late to make any changes as the contract was already in progress. Please let me know how I can get help with the illegal practices that the dealership and finance company took knowing my physical and mental health.

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 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have medical bills I have disputed for detail statements to verify debt.I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa. Its been well over 30 days. I would like them to be removed from my credit report. I also had some letters return to me. I would like to know there Registered/Licensed number to collect peoples debtss

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Mid-Atlantic Consumer Services
State: NM

Complaint narrative:
This company not only called a XXXX party ( my father ) at his place of business, they claimed that if the debt is n't settled, they will take legal acction and access my bank account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
i got involved into a car loan with 23 % apr with a promise to refinance, but coming to find out the lender does not refinance existing loans. leaves me stuck paying XXXX in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
I have been sent an email from my employer that I have a Writ of Garnishment on my wages. I printed out the information and it does not or have I ever been notified what credit card debt this is from. I thought I needed to be sued first before having my wages garnished. I did not receive a summons of the suit and therefore could not represent myself to defend this issue. The issuing court was the state of Connecticut XXXX court. XXXX ID : XXXX. The debt collector is Solomon and Solomon, PC XXXX XXXX XXXX XXXX XXXX XXXX.Phone number XXXX XXXX XXXX XXXX is the Marshall from the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number : XXXX. The only debt that was in collection was XXXX XXXX for {$5600.00} and that has been over 7 years which is the statue of limitation since XXXX of the credit reporting agency 's dropped it off my credit report thru XXXX XXXX. That debt started back in 2008. The amount they are garnishing from my paycheck is {$7500.00} Have not been contacted before this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: W.J. BRADLEY MORTGAGE CAPITAL
State: AZ

Complaint narrative:
I have a Mortgage with WJ Bradley mortgage company. Everything was fine until they switched to a new company to process their payments. Every since the change I have had nothing but problems. They are rude on the phone, they do not keep accurate records, they say they there is no record of talking to us etc. The big problem is they do not process my auto payment so they can charge late fee 's. I work out of the country and every one of my bills is paid on time with automatic payments. They are ether incompetent or thieves or both.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Central States Recovery, account opened on XX/XX/2016 and XX/XX/2016 therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''

Company response to consumer: Closed
Consumer complaint received 2016-01-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: IL

Complaint narrative:
Payments were sent to FIRSTMERIT BANK on or around the dates of XXXX & XXXX in the full amount of {$70000.00}. However, FIRSTMERIT BANK did not release the title of the vessel in relations to my account XXXX # XXXX XXXX. See attached exhibits for further details. I called FIRSTMERIT BANK and XXXX their representatives informed me that they were going to send me my title ; however, I received a letter detailing that they were not going to release anything, even when my account clearly has been paid off. This is a direct violation of UCC XXXX ( b ), UCC XXXX ( b XXXX & XXXX XXXX XXXX and refusal to release title after the debt has been cleared. As stated, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. As a result, a complaint was filed with the XXXX ( See attached receipts and records listed Exhibits ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: IL

Complaint narrative:
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the XXXX day time period.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
National Credit Systems Inc sent me a letter XXXX XXXX, 2016 offering to reduce my debt if I sent the money in by XXXX/XXXX/16. But they did not send it out until around XXXX XXXX after speaking to the male supervisor it was clear that the intention was never to allow me to pay the reduced amount of XXXX. There was no date on the envelope sent by the credit company so they could and did say that the letter was sent before the closing date on the letter, and blame the postal service for the delay. The supervisor is very disagreeable and rude and seem to be counter productive to getting the companies payments from the customers. This supervisor places on my file what he choose to, after I asked him to put on my file that I am willing to accept their offer of paying XXXX but I could not afford to pay the full amount of XXXX. This debt was bought from the XXXX XXXX XXXX in XXXX Michigan. I feel that the National Credit system is deliberately misrepresentive of their offers to reduce your debt because they do n't give you time to respond to these requests and blame the postal service for being too blame for the delay when it is clear that if they had sent the letters out in a timely manner I would got it in time to respond to the offer they sent me.

Company public response: Company disputes the facts presented in the complaint
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: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I 've been given false representation of XXXX I 've made several attempts too have removed from my credit report a debt for National Credit Systems for a balance of XXXX I 've made attempts to contact XXXX XXXX and I 've been told that I could n't speak too any representative /manager because they no longer handle the debt any longer to call XXXX XXXX XXXX And associates who 's constantly told me they have n't recieved any supporting documents I 've give documents too all 3 parties and have been given the run around XXXX are no longer an existing bussines I 've spoken with Managment who states company is no longer opperating but will adjust the balance how they see fit being XXXX Now my issue is upon leaving XXXX the only balance was XXXX after deductions which was brought too court XXXX 2015 and Dismissed with XXXX balance National Credit Systems can no longer Collect in a debt for a non existing company also the matter was Dismised and documents where proving in support and ignored by XXXX.

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 2016-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Clearview Resolution Services
State: VA

Complaint narrative:
Not XXXX, but third party debt collector : -Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
Selected Entity Status Information Current Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX XXXX : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on XXXX XXXX, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by Clearview Resolutions is unfounded and felonious as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
My old landlord is trying to come after me over a debt I do n't owe they sent me papers with my exs name on them and he was listed as a tenet I no longer have them papers but did take pics of them and of the parts that show only his name listed as a tenet and the letter being addressed to him when this debt occurred I was no longer living in the apartment and they told me I was takin off the lease I want this debt removed from my report because I do not owe it and have prof I was living else where when the debt occurred I told them that but no one ever got back to me on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Original Creditor is XXXX, XXXX, then it was sold to XXXX , XXXX and now XXXX XXXX XXXX has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting Springleaf on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a letter more than 5 days after the initial communication ( a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the letter did not state that I may request that the debt be validated or verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Global Payments Check Services, Inc.
State: CA

Complaint narrative:
On XXXX XXXX I had a NSF check with the XXXX XXXX Co Op. I have been a member for almost 15 years and assumed that it would be resubmitted to my bank account a XXXX time, as is industry practice. I waited patiently to hear back from the Co Op if there was a problem, had the money in my account and even addressed this with my Credit Union. They admitted that the Co Op is a pain. As of 3 days ago I found out that I was on bad check list in view of all the employees who work at the check stand. At no time did anyone inform me of the protocol or policy put in place nor has it been posted for any of the members to see. I was told that the sticker, Global Payment provided, placed on the check registers was sufficient. I informed the Co Op CEO that I need glasses and for the most part people do not look at the Cash Register going through line their focus is the groceries, Checker, and paying for the goods. I also informed her using that location to educate members was inappropriate and it should be posted in view at the Customer Service desk or on the Bulletin Board where they are asking for Customer/member feedback. At no time was I ever informed in writing or in person of my rights and timelines to remedy the situation. XXXX XXXX, CEO, informed that the check was sent XXXX XXXX to Global Payments. Global Payments informed me today that they received it XXXX XXXX and sent a letter out that day, which I have not received yet, and on XXXX XXXX they ran my check through the account again which bounced again since we do not have overdraft. I had the monies there for over a month and a half. I let the CEO know that they made the process more difficult because if I had known what the policy was I would have been there the next day to remedy the situation and actually offered to pay for the check. I want to know where my rights are so situations like this can be prevented in the future. I will be attending a Board meeting to let the Co Op know that they are member organization and part of the mission statement is to educate their members and to include them in their policy decisions. I take responsibility for reasonable fees but I feel the XXXX XXXX Co Op was negligent in informing me on a timely basis of the problem, in fact, sitting on it for six weeks, and denied me the ability to remedy the check within a reasonable timeframe and then escalated the situation. What are the laws regulating Check Collection agencies? Should I have received a letter giving me a chance to remedy the situation directly sooner? What authority has a XXXX XXXX XXXX to resubmit a NSF check?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 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: Penn Credit Corporation
State: VA

Complaint narrative:
I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation