vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XXXX keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made 1 payment of {$77.00} then 2 further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION

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 2015-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Vision Financial Corp.
State: WA

Complaint narrative:
I received a phone call. The woman on the other line asked to speak to XXXX XXXX, I confirmed that 's me. She immediately requested that I verify my mailing address. I then asked her who she was calling from. She stated " Vision Financial '' I asked why she was calling, and she hung up on me. Upon conducting further research, I found consumer reviews which led me to believe that Vision Financial is a collection agency well-known for failure to provide information about the debt, attempting to collect expired debts, and using strong-arm tactics to collect.

Company response to consumer: Closed
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Solidifi US, Inc.
State: WA

Complaint narrative:
I purchased an appraisal though Solidifi, It came back incomplete and with a lot of errors. They would not give me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of XXXX harassing emails since XXXX 2015. I have saved all emails from this collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WATERMARK CAPITAL, INC.
State: WA

Complaint narrative:
In XXXX 2015 I began working with Watermark Home Loan ( broker : XXXX XXXX ) in order to refinance the current ARM on my primary residence. The result of this process was absolutely unacceptable. Only when I inquired about the status of my loan application two weeks prior to the expiry of the 45-day loan lock period, did I learn about missing documentation. I had been under the impression that it was their job to shepherd the process through to completion. Silly me - apparently it was my job! On multiple occasions sensitive documents ( containing social security numbers ) were transmitted via e-mail without password protection ( despite being described as password-protected ). And getting any response from them took multiple e-mail inquiries on my part. Finally, there was no accountability or apology for their total failure to complete the process. Excuses were made about " too many moving parts '' because I am semi-retired and living off of investment income. Meanwhile, I wasted a lot of time and money ( on a useless appraisal ), and lost a prime opportunity to refinance my ARM with a fixed rate loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I filed a case with CFPB on XXXX/XXXX/15 ( case number XXXX ) with Mariner Finance. The business stated in the complaint " Mariner Finance can confirm that XXXX XXXX 's account is paid in full and his paid document will be sent to him. '' I have received XXXX bills from this company stating money is still owed and to mail payment. I checked my credit reports and they are reporting to XXXX that I owe {$180.00} and they have been charging monthly late fees of {$30.00} per month. As promised in the prior case, they never sent me any documentation nor have I done any further business with this company yet they continue to charge me a monthly late fee and the first complaint stated they waived the final {$24.00} due as a good faith gesture so I do not understand where this {$180.00} came from when they stated account was closed and no money was owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Peoples Home Equity, Inc.
State: GA

Complaint narrative:
We are in the process of selling our condo in XXXX and purchasing another condo in a different state. The purchaser of our XXXX condo was working with XXXX of the loan officers at Peoples Home Equity and was told that her loan was a " slam dunk ''. Along the way there were a few issues that came up but she was assured that the loan process was moving forward and that she would receive approval for her loan. With this information we moved forward with the purchase of a condo in another state. XXXX days after we were scheduled to close on the sale of the XXXX condo we received an email stating that the loan for the purchaser had been denied. The reason for the loan being denied was her debt to income ratio was too high. This is an issue that should have been addressed in the first week of the loan approval process and not at the last minute. Because of the last minute denial of the loan the purchase of our new condo is now in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 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: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
This debt is from XXXX, 13 years ago. I absolutely do not remember this at all and it is a XXXX cell phone bill. There is a statue of limitations on this type of thing and they are threatening to put me in collections from a XXXX debt I dont remember.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I am being harassed by robocalls from Central Credit Services LLC. I receive robocalls to my cell phone and now at my workplace landline number- at any hour of the day including Sundays. I asked this company to stop calling my workplace phone number in 2014- the representative has not honored that request, and the harassment continues.

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 2016-10-10 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Upon checking my credit, I have an open collection for rentdebt, I have never received any documentation of a debt owe, I would like a debt validation notice, verifying this is my responsibility also the proof they are able to collect debt in the state of Texas, I would like the surety bond information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Patrick K Willis Company Inc
State: CA

Complaint narrative:
I am being harassed by a 3rd party company named XXXX about my charged off car loan with XXXX XXXX XXXX. The people calling me from this company are calling themselves investigators. They have called my mom dad brother grandparents and friends all on the same day as calling me. They leave my family members voicemails, that say they are investigating me and need a call back. My family thinks that I have the police department looking for me. Today i spoke with Investigator XXXX XXXX, I did not provide her with any of my information and she disclosed my date of birth, the vehicle information from the loan and was very intimidating and harassing. I asked her to cease and decist and she said no. I asked her to stop calling my number and she said no. I gave her my phone number and said please dont call me i feel harassed and she said I am not harassing you and was very threatening to me about not giving her my information. I said stop calling and hung up. She called me right back again, I again said please dont call and I feel harassed and she said no. I finally got a manager on the phone. he said yes they are regulated by FDCPA but that they will not stop calling. He said I didnt give him my information so he doesnt have an account to document to stop calling. I told him that XXXX who just transfered me to him had my account as she had disclosed all of my personal information to me and he said he didnt know what i was talking about. I gave him my number and asked him not to call and he said he cant do that. I called this company back thinking i was calling a police department because i was under investigation for some reason. I am in the middle of settlement discussions with the original creditor XXXX, and I cant try to come up with money from family and friends to settle this loan, if they think the police are coming after me for something with them calling everyone telling people I am under investigation. Giving family and friends my account number to call back with. Anyone who called back with that account number would have been given my social, my date of birth, my loan information. Is this company miss using my personal information. Do i now have to worry about identity theft? I have major concerns and I am afraid this company will actually come to my home to talk to me in person, or threaten me. XXXX has also text messaged me and my family and friends all at the same time about this. Giving an account number out to everyone for this. My family asking me if everything was ok. I can not continue to be harassed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I received a Letter on XXXX from Dynamic Recovery Solutions requesting payment from " XXXX XXXX XXXX XXXX ''. I have never heard of this company nor had any type of college funding. I went to Dynamic 's website for more information, but there was none to be found. I am disputing this because I believe this is not not debt and this is a false claim. I recently received my credit report in an attempt to buy a house, and this was not listed on any credit bureaus. I want this company to be reported and make sure this does not go on my credit. I have attached the letter sent to me and also a screen shot from their website ( missing some of my information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Caller is first a recording, then individual comes on ask for individual who 's not available, when ask to take message states this call is being recorded. I ask for name of company and why am I being recorded, they hang up. My caller ID shows the number as : XXXX and ID as " XXXX XXXX ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: Global Trust Management LLC
State: CA

Complaint narrative:
Account was sent to collections ( XXXX XXXX XXXX ), account was sold to Global Trust Management. Account was paid, neither XXXX or GTM will report information to credit repositories. Disputed account with supporting documentation ( receipt from GTM ) and XXXX still reporting account unpaid - been 60 plus days and disputed account and XXXX does not own account - sold to GTM and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from GTM and XXXX not deleting account on credit report and acting as unaffiliated third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
Dynamic Recovery Solution XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was XXXX XXXX XXXX, and that I owed from a credit card back in 2002. I have never had a XXXX XXXX XXXX card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: DE

Complaint narrative:
They keep calling me all day long every hour or XXXX for the last XXXX or XXXX weeks. They have called my job and I have told them not allowed to have personal calls. Have also emailed XXXX and tried to make arrangements still continue to call me. And they have called a couple of my friends more than once that may have been listed as references on application. I feel like I am being harrassed and no wmy friends are being harressed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 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: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
called several times without asking for a certain person stating that he is collecting a debt. Turns out he was calling about a man 's debt that I did not know. He gave me the name of the guy he was chasing and I never heard of him and I asked him to stop calling my number. Also I have this person on tape answering machine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Dynamic Recovery Solutions, LLC
State: NV

Complaint narrative:
A man knocked on my door and told me his name and told me that the home security company if have was merging with his company and they were going to up grade my system as a part of the merging of company 's. As they were changing the key pads, my security company called me, I asked if they were merging with this other company. They told me no and I was still under contract with them. I told the guy who was trying to replace my key pad, to put every thing back the way it was. He did that and left. A couple of months go by and I get this bill from Dynamic Recovery Solutions stating that I owe then, if I pay now {$230.00}. Dynamic told me that, the Security company, sold them my contract, and that, they were to collect my dept. Dynamic wanted me to go to my bank and for my bank to, send them a e-check. Which I did n't do The security System company wanted {$690.00} from me and that was n't going to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I recently contacted XXXX to dispute XXXX accounts on my credit report from XXXX XXXX Bank and LVNV Funding , LLC. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to XXXX, XXXX and XXXX asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. LVNV funding, I believe is a fraudulent collection agency that works under several alias such as XXXX, XXXX and XXXX and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for one account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
A bank I held a checking account with was purchased by First National Bank. My checking account and funds were moved to a new bank without my permission. When I attempted to close this account multiple times over the phone I was told I could not due to various issues. First I was told the account was in transition and would have to call back in a few days. Then was told I could n't close it over the phone and had to go to a bank branch. During this time of me actively trying to close the account a recurring payment I had set up with my actual bank hit the purchased account and I was charged {$200.00} in overdraft fees. When I attempted to have these waived due to circumstances above I was told I had authorized the payments ( which I had not ) and failure to pay immediately would cost an additional {$12.00} a day. This was the most unbelievable experience I 've had as I was being hijacked and extorted.

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 monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV has been negatively re-aging my account and incorrectly using the date of when they took over the account/charge-off date as the first date of delinquency. When in actuality, the correct date of first major delinquency was in XXXX of the original account. The date the original account was closed was in XXXX and no payments have ever been made to LVNV ; however, they have been falsely using a more recent date of delinquency of XXXX in order to keep it on my credit report longer than allowed by the Fair Credit Report Act and in attempts to collect for a longer time period than legally permitted. I am reporting them for unlawful collection tactics. I am also requesting that they immediately discontinue such tactics and correct the false information they have been giving to the credit bureaus. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
IN VIOLATION OF TCPA AND FCRA AND FDCPA. ( ATTACHED LIST )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Yes, My father banked with Pentagon Federal Credit Union. At the credit union he had several accounts XXXX money market certificate accounts, credit card and a share account. My father passed away XXXX XXXX, 2015. His estate is currently in probate and I 'm the executor of the estate. Pentagon Federal Credit Union will not close the accounts at the bank due to the fact my father had a balance on a credit card statement. Also the accounts are payable on death accounts with a beneficiary. They stated my father signed a credit card agreement stating they have the right to take money from other accounts to pay the debt. When my father passed away in XXXX the account was in good standing, it was not in default. I told them that they could place a claim against the estate and the estate would be responsible for paying the debt. I 've attached a copy of the credit card signature card and the membership disclosure. My question are listed below:1. Does the passing of an individual automatically make any debt by that individual in default? The debt in question is credit card debt. 
2. Does the credit union have a right to leave an account opened after requesting that it be closed after a persons death so they can make monthly withdrawals from the account ( s ) to pay on credit card debt?

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