vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: SC

Complaint narrative:
My deposit finally came. when I went to pharmacy to get my prescription balance said {$0.00}. After being on hold for XXXX hr XXXX mins I was told I should have my money back on card within 1-2 days. XXXX hours later my card had a {$9.00} balance on it. Im on a trip out of town still no access to my funds. Tried to call Rushcard several times only to keep getting going up on. Still no assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
The company will not tell me what my balance is, how much I have paid, or what interest is being charged. They want me to continue to pay $ XXXX/month without knowing this information. All I 'm requesting is notification of when a payment is received and what is still due. When the debt occurred, I was hospitalized for several months with a XXXX XXXX XXXX. I have no idea what the bill is for. I was XXXX for two years and am finally beginning to get back on my feet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hunt & Henriques, Attorneys at Law are debt collectors and violated the terms of the credit card agreement with XXXX XXXX by 1 ) filing a lawsuit instead of binding arbitration ; 2 ) Taking action against the authorized signatory holding the corporate credit card issued in the name of a limited liability corporation ; 3 ) Using threatening tactics in order to force authorized signatory into settling the account under duress. 

This complaint is being submitted in order to allow Hunt & Henriques an opportunity to respond instead of claiming they did not receive the previous complaint and exhibits which support my position this case.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Rabobank NA is hassling me when I call in for help with online banking. 

Today is called my local branch to reset my password was told some very simplistic thing then called the other numbers. Despite trying to reset online and asking for online support I went back home and tried calling again. 

I just get attitude from them. They wo n't help. The girl at me local branch snapped at me. This is some who has been helpful in the past and is suddenly aggressive, not listening, seems very passive aggressive, she is telling me to not raise my voice and they refuse to help me. 

She even said I would n't be able to resolve it at my local branch in XXXX XXXX, CA either. I feel like I wasted my entire morning on these people who are just rude from the get go. They do n't appreciate people and seem to be waiting to set you up with lots of inappropriate questions. The are apprised of account activity and yet I 'm waiting for some help. 

This is very unprofessional and I want to file official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
I received a call from ( XXXX ) XXXX the caller identified herself as XXXX XXXX, she said that she wanted to contact a friend of mine XXXX XXXX and that she had a job offer for a truck driver position, she told me she was unable to contact his partner and I was his emergency contact from his last driving job, and she needed an answer today if possible and could I try and get ahold of him. I asked if this was a debt collection call she said emphatically no!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I received a packet in the mail with informing me of the lease coming to an end. I knew the buy back amount was {$11000.00} because I asked about that when I leased the car. I called Kia and confirmed this amount. I went to XXXX Kia to find out information on how to buy my car. I asked the person who greeted me, who said he was a manager, to speak to a finance manager to find out what I needed to do to buy my car. What he did was sit me down with a salesman. He took my information was gone a long while. He came back with the form and starts going over the numbers with me.He had sales price of {$11000.00}, there was a pre-delivery charge of $ XXXXand another non tax fee of XXXX. And tax of {$800.00}. I looked at the paper and questioned him about the figures and he said that 's the way we do it here.I picked the form up and told him I am sending a complaint to the Consumer protection Agency. He asked do you want to speak to the manager. Why would I need to speak with the manager my pay off on the lease contract was {$11000.00} and the pre-delivery charge of {$590.00} was already paid for when I leased my car it was figured in with my car payment. Why would that manager sit me down with a sales person when I should have been talking with somebody in finance who would look my contract up and give me the correct numbers. This is why I am complaining they saw an old lady and thought they could up the price of the car and charge {$590.00} pre-delivery charge, that I already paid for up front, and I would not know the difference. All the numbers are on the contract. This made me so angry I do not want the car I do not want to deal with those people at XXXX Kia. When I left there I went to another dealership and will be leasing a car from them. The reason I am writing this complaint is because how many people have they done this to and get by with it? They would have made a {$1500.00} profit from their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Holloway Credit Solutions
State: FL

Complaint narrative:
On XXXX/XXXX/15, we received a phone call from a company claiming to be representing XXXX XXXX regarding a past due bill for a doctor 's appointment that took place in XXXX 2015. Knowing that this was most likely a scam, we asked the person calling for a return phone number, at which time she hung up. From our caller ID log, we obtained the phone number and called them back. A live person did answer the phone with the name of a supposed collection agency - however, when pressed for more information, the person hung up. We called XXXX XXXX directly and were told by a customer service representative in their billing department that there were no outstanding invoices. The XXXX XXXX representative was also able to provide us with the name and address of the collection agency that called us when we gave him their phone number. He also confirmed that XXXX XXXX does NOT do any business with the company who called us. Here is the information on the deceptive agency : Holloway Credit Solutions, XXXX XXXX XXXX, XXXX, AL XXXX - ph ( XXXX ) XXXXThank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I had a 3-year lease with Kia for a XXXX Kia Sorrento that concluded on or about XXXX XXXX, 2016. The vehicle was returned on time, without damage and under mileage. All payments were made on time during the life of the lease. At the conclusion, I was invoiced the {$400.00} disposition fee as per the lease contract. I called Kia finance on XXXX/XXXX/16 and asked them to waive the disposition fee, but they declined. The reason I requested the disposition fee to be waived is because of repeated failures with the vehicle 's operation. Within the first few months of taking ownership of the vehicle, it started having problems with the electrical system, most notably that the voice-dialing feature of the hands-free system did n't work properly. I brought it to the dealership ( XXXX Kia in XXXX, OH ) more than once and asked them to fix it, but they were unable to. On the last instance, I had the technician sit in the car and was able to re-create the problem for him and his response was " Yep, that 's a problem, good luck with that. '' I did n't press further as I was willing to overlook this as a singular, one-off problem. However, about 18 months later, the car started having problems with the remote starter that XXXX installed prior to me taking ownership - including several instances where I drove the car and when I attempted to turn it off & take the key out of the ignition, the engine kept running. I again took the vehicle to the dealership but they were unable to find or recreate the issue. Finally, just a few months before the lease expired, I was driving XXXX mph on the highway and the car completely shut off and I had to pull to the side of the road. I took it to the dealership again, but they were unable to find any problems or recreate it. I finally turned in the vehicle at the end of the lease and will not be doing business with them again. I asked the people at Kia Finance to waive the disposition fee as a sign of good faith and they declined. I will be paying the fee so as not to have it go to collections, but I think this should be investigated further as the company was repeatedly unwilling or unable to resolve multiple safety issues with the vehicle they leased to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
They are not applying my extra loan payments to my principal balance. I make my monthly payment on time and then I will send in extra money that same month to be applied toward my principal. Instead they apply my extra payment to interest. I called and asked for it to be fixed but they told me I can only make extra principal payments the same day I make my regular. This is a simple interest loan with no pre-payment penalty. The reason for making extra payments is to pay down the loan faster. By miss applying my extra payments that will never happen. Payments are made on line and there is no where to state that the extra payment should be applied to principal. Also there is no where to see how your payments are being applied. You have to call the office and ask them to mail you a statement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I contacted Mariner Bank requesting debt validation and they have yet to send it to me. I have however rec 'd XXXX threatening letters telling me to get online and pay now or I will be hearing from their attorney. I asked them three times not to call me at work and three times they violated my request. I am not allowed to receive calls at work. Secondly I instructed them to stop calling anyone but myself to discuss this and on XXXX XXXX, 2015 XXXX called a friend of mine in XXXX XXXX Texas after I specifically said not to. I have given them my contact information and told them to write to me and they still refuse to do so and seem to be using the bullying attempt. They are calling his house and they know I do n't live there. I am in financial bind currently due to having to leave a violent home situation and he will not give me my belongings..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 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: TrueAccord Corp.
State: TX

Complaint narrative:
I received an email from a man called XXXX XXXX who works for a debt collection company called True Accord. True Accord is located at XXXX XXXX XXXX, CA XXXX. 
The message claimed that I had purchased a product called XXXX from a company called XXXX XXXX, a skincare company. 
I had no knowledge of XXXX or the product. ON searching the internet I found out that XXXX XXXX is a skin care company. I also discovered that the product I was supposed to have bought was a supplement designed to build muscles! 

I absolutely refute that I purchased any product and especially XXXX called XXXX In XXXX years I have never failed to pay a debt and I have always paid on time. I am puzzled as to how XXXX XXXX came by my information and how it convinced True Accord that I owed them a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
Medical Breach of records and filed Ftc dispute and they Velocity Investment never contacted me and they are the third company trying this debt and they just send a lawyers letter threating a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I have spoken with the actual owner on more than one occasion, and have filed previous complaint here. Theses people will not stop calling my phone. We do not have any loans with them at all. They are continuing to call my phone. I want them to stop harassing me. I will obtain an attorney and sue for harassment if this is not stopped. The owner has assured me on more than one occasion that they would never call again, but they are still calling.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I had a balance of {$100.00} and I refinanced my loan. I noticed on the receipt it was showing a negative balance of XXXX. I called thwn and asked why it was showing a negative balance and the rep said it was a glitch in their computer system. When I refinanced they gave me the new loan minus the existing balance of {$100.00}. I paid my loan off in full on XX/XX/2016. I recieved comformation my loan was paid off and then on XX/XX/2016 they said I owed XXXX due to a " returned payment '' on XX/XX/<YYYY> That was the day I refinanced, so the returned payment was From the glitch of the XXXX that was showing on their system. I spoke to my bank and they said there was never a returned payment and this company was definitely paid. In addition, my bank provided me with trace numbers for all previous transactions. I have called this company everyday since XX/XX/2016 and today in XX/XX/2016 it is still showing I owe this money with additional interest, of course. When I talk to the supervisor just gives a carefully scripted response that it is " under review '' despite the fact that I have provided them with all pertinent information. Im at a loss of what else to do bc it is impacting my credit because it is showing I have an outstanding balance of over {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC.
State: TN

Complaint narrative:
I had applied in XX/XX/XXXX for a online loan with XXXX XXXX and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to XXXX XXXX. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
My brother was renting an apartment in my name and paid every month until the end of the lease. His next move was to move out with a friend or stay there for another 6 months. He informed the apartment complex of the situation and advised them that he would have a final decision within the last 2 weeks of the lease. He did so inform them that he would be moving out within that 2 week time period. They then told him that because he did n't turn in a 60 day notice that he would owe 2 additional months rent @ market value because that notice was not turned in. He did n't turn one in because of the uncertainty of where he was going to live and was in complete communication with them to this fact, but they then charged to my renter 's history the 60 days @ market value when the entire lease term was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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: AZ

Complaint narrative:
I have received a XXXX/XXXX/2015 letter and various phone calls from Central Credit Services, LLC attempting to collect a debt from XXXX in XXXX. These are most likely about a XXXX services accrued in a Bundled service. I have statements from XXXX showing that the statements are paid in full. I previously filed a complaint with the FTC regarding this manner and I thought it was taken care of. Now I am receiving bills at my new location in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
I have been contacted to pay {$7500.00} for rent I do not owe by RentDebt Automated Collections LLC. The debt collector is acting on behalf of a former landlord of mine. I was released by the landlord from my month to month lease on XXXX XXXX, 2014 having paid all monies owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$260.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

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