vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I am writing about the company Rise Credit. I recently changed my bank account but emailed them all my information so they can process my payment through there. My balance is {$4000.00}. 1 payment got returned because they took it out from the old account. They charged me for it and i saw that my balance is {$4300.00}. I emailed them my new account to process my payments there which they replied back to confirm they 've received it. But they said it was return again today XX/XX/2016. Now i saw that my balance is {$4600.00} My initial balance was {$2600.00} but they re-financed me knowing I still have an ongoing loan on them which California law say they they can not offer additional loan if there is still existing one but my mistake is that I took it. I already paid almost {$4000.00} for my initial loan of {$2600.00}. But nothing went to the principal balance. California law say that return check should be charge for {$15.00} only but they charged me for {$670.00} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
Rise Credit has sent me special offers in the mail, so I decided to apply for the loan. When I applied I got the response and they said they denied it because of fraudulent activity in the application. I decided to check the phone numbers out and the address out and it does n't match up. The phone number associated with Rise is registered to a female in XXXX, Fl. The address and the number I was given to call is listed in XXXX, SC. After searching there is no address listed in XXXX, SC for XXXX XXXX XXXX XXXX, XXXX. The fax number is a fax number listed to an address in XXXX XXXX, Tx. If you will notice closely the fax number is the same area code for the number listed in South Carolina. And the fax number for Texas the last digit is just XXXX numbers of the actual number in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
The is at the least the XXXX complaint that I 'm filing against Smith Debnam Narron Drake Saintsing & Myers, LLP and XXXX within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving XXXX debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all XXXX has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want Smith Debnam, Narron, Drake, Saintsing, & Myers, LLP, and XXXX investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with XXXX 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor of North Carolina, and the Governor of Ohio about XXXX and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what XXXX has done to me and possibly many others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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 call claiming they were a debt collector and I owed a debt of some kind. They never provided a name, specifically who sent them, or what it was for ( they left a voicemail ). I called back and they asked for somebody completely different than myself and somebody who I do not know. Also, a XXXX search of the number pulls up that they are a " spam robo call ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 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: Global Trust Management LLC
State: FL

Complaint narrative:
CLOBAL ONE ISCALLING MY CO-WORKERS AS WELL LEAVING NOTES TO THEM HARRASSING ME AM TRYING NOT EXPLODE ON THEM ON MY JOB. USING DIFFERENT NUMBERS EVEN GOING TO MY MOTHER 'S HOUSE WHEN I THEM TOLD THEM I DO N'T STAY THERE. THEY BEEN CALLING ME FROM XXXX,XXXX,XXXX XXXX AND XXXX. THE XXXX NUMBER SHOULD BE THEY MAIN NUMBER. I WISH I COULD SUE THEM FOR HARRASSING ME ON MY JOB CALLING ME XXXX TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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: NE

Complaint narrative:
my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called Dynamic Recovery Solutions today, and explained this and will forward add'l documentation to them. I understand the the current owner is XXXX XXXX XXXX XXXX XXXX ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Central Credit Services LLC contacted me to collect a debt in a letter dated XXXX XXXX. I responded with an official letter to validate the debt and dispute the claim. Also asked that no further contact be made. There was no debt validation ever sent to me. Now on XXXX XXXX XXXX year later they sent me another letter with the same debt collection attempt, thus violating the FDCPA

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 2016-03-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: IMC Capital, LLC
State: CA

Complaint narrative:
I received an unsolicited offer of credit with a pre-made credit card with my personal name and company name on it, requiring only a phone call to activate. My concern is that this card offer could be intercepted and activated by anyone, who could fraudulently and easily obtain {$150000.00} credit in my name. I assume this same offer has probably made to many others. Issuing company : IMCA Capital

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
There are two issues. One is the validity of the debt, and the second is the fact that I asked them to stop contacting. I sent a letter certified, return receipt asking them to stop contacting me. They continue to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Global Trust Management LLC
State: LA

Complaint narrative:
I HAVE A COMPAN THAT KEEPS CALLING ME ABOUT A DEBT THAT IS NOT MINE. THEY HAVE THE WRONG NAME BUT KEEP CALLING ME AFTER ME ASKING MULTIPLE TIMES TO STOP. THEY ARE LOOKING FOR A XXXX XXXX. THAT IS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
they told me i have two years to pay they never contact me last thing i heard my name is an collection .the collection people called i tried to make an agreement they refuse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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: CA

Complaint narrative:
I get continuous calls and emails from a debt collection company, even though I have perfect credit and have no collections. Here 's the phone numbers and links to show this is a scam. 

I was called from XXXX - XXXX, CA and left a voicemail to call ( XXXX ) XXXX which is Dynamic Recovery Solutions. I never saw so many names, family members, and addresses connected with one phone number, that was NOT a business line. There is no reason for me to get a call from this type of company. 

XXXX And XXXX From the XXXX : This company is trying to collect on a debt that was settled by legal arbitration in XX/XX/XXXX. The statute of limitations on the original debt expired in XX/XX/XXXX, yet they continue to report an outstanding balance to the credit reporting services. This is harassment, pure and simple, and companies like DRS are little more than predators who make a living by intimidation and blackmail, even though they have no legal recourse or standing to enforce the " debt '' they seek to collect. This should be illegal, though as we all know, money buys justice, today more than ever. 

This customer had a NEGATIVE experience with this business. 
This customer WOULD NOT recommend the business to a friend, family member, neighbor or colleague. 

By XXXX On XX/XX/XXXXXX/XX/XXXX Just want to let all of you know how Dynamic Recovery Solutions , LLC sent me a letter home trying to collect apparently a debt from XXXX. I do n't know where they are getting personal mailing addresses, but they are. I call them and they are such a scam, they tried to go around just to get personal information. I interrogated the operator and the supervisor and we 're not specific as to where they where they were able to obtain my mailing address, their excuse was how many person had my same name, how can they believe they are contacting the right person. Do not fall for this. 

These are a few of the many complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
In XXXX I transferred my business and closed my utility account at my then business premises. I am now surprised to find that XXXX NY is reporting a past due balance for XX/XX/XXXX. this information is incorrect and its entry is causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: AZ

Complaint narrative:
I had to order and cancel XXXX high-speed internet within a 2-week period because they could not provide me with working internet ( Account # : XXXX ). I cancelled properly, and obtained confirmation # : XXXX. I also completed their online 3-Day Guarantee Form on XXXX/XXXX/XXXX. XXXX XXXX refuses to properly close the account. After I reported this to the Arizona Attorney General 's Office in XXXX of XXXX, XXXX acknowledged the error, and assured us that they have corrected the account. I went a year without receiving any bill, call, or notice of any kind. I believed the account to have been resolved. Unfortunately, I recently received a collections notice on XXXX/XXXX/XXXX for an unpaid balance from XXXX collector, Central Credit Services, LLC ( Central Credit # : XXXX ). I should not have any balance whatsoever. I need to have XXXX XXXX resolve this account error that occurred on their behalf.

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 2015-08-17 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: Omega RMS, LLC
State: FL

Complaint narrative:
The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Critical Resolution Mediation LLC
State: CA

Complaint narrative:
I took out a loan from XXXX XXXX last year, and a few weeks ago a company by the name of Critical Resolution started calling me and my job every single day harassing me at my job. I have enough going on without someone calling me at work. I was not able to pay thins loan off so I have got it consolidated and I have told this company that and recomomended they stop calling me. They are telling me that they are going to garnish my wages if I do n't pay immediately. Over {$300.00} I have borrowed. Now they are saying I owe {$800.00}. I told them to send me to whomever they needed to.

Company response to consumer: Closed
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Critical Resolution Mediation LLC
State: CA

Complaint narrative:
I got a voicemail from XXXX XXXX XXXX from Critical Mediation LLC stating about a Fraud Claim against me. I called the number backed she then responded that she is collecting a debt not a fraud for XXXX XXXX. I told her I would like to verify first to make sure that it was my actual debt. Since it was for XX/XX/2011. She then said did n't give me time to call her back since I as driving. She have told me that we will file the lawsuit once I hangup the phone. After reading my consumer laws that 4 years old debt cant be sued. Second not mentioning that she is collecting a debt. Lastly not allowing me to verify my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Razor Capital, LLC
State: GA

Complaint narrative:
RAzOR Caital LLC delivered court docs ( XXXX-XXXX personal pages ) to my home simply stapled no envelope ; to a roommate and I believe my privacy rights were violated. This is because new roommate ( non relative of two weeks ) was able to have an opportunity to view docs prior to my getting home. Prior to delivery of summons, Razor opted not to work with me and insisted even with a payment arrangement we still have to go to court if not paid in full by court date. And refused to consider any settlement offer prior to violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I submited a auto loan application on XXXX/XXXX/2013 at XXXX of XXXX. The deal was XXXX finaliized that same day, or so I thought. Then XXXX came to my job under false pretenses and stole the original application from my car. Fast forward to now, I just saw that XXXX submitted my application to several financial institutions on that day and then on XXXX/XXXX/2013 without my consent. I disputed it with XXXX, but was told to call those financial insitiutions directly. I did and thy told me that they could not help me since I do not have an account with them. I called XXXX and told them then was directed to XXXX. I called XXXX several times, but the financial manager refused to take my call. I emailed the owner who has not replied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am currently leasing a 2013 XXXX XXXX XXXX XXXX. The lease payments are all current. The lease ends on XXXX XXXX, leaving XXXX more payments. I wanted to review all of my options before deciding what to do. i signed into my account yesterday on XXXX, and clicked through to find my current " Buyout quote ''. I had received a " hyundai lease-end kit '' in the mail yesterday. It has a section called " Key Lease End Terms '' The term " buyout quote '' is defined in their " lease end kit '' as " The amount ( including taxes ) you 'll pay to purchase your leased vehicle ''. That amount for me was on the website as {$16000.00}. 
I was told by Hyundai Finance that in Florida, lease end vehicle purchase must be made through a dealership. I called the dealership then, and was told there was a {$590.00} fee for this " service '' and that the amount did not include sales tax. They told me it would cost {$18000.00} to purchase the vehicle. 
I am wondering 2 things. Why is the definition included in their own lease end package saying it includes all taxes? 
Also, I have in the past purchased leased vehicles at my lease end and simply had to send a check to pay off the balance to the finance company. The last one was XXXX finance. Why is Hyundai finance telling me that in Florida it is the " law '' that the purchase be made thru a dealership? Perhaps the law has changed? It has been awhile since I purchased the last one ... 10 years actually ... so I suppose the law may have changed. I would just like to be sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Portland Credit Inc
State: OR

Complaint narrative:
Debt collector repeatedly called my employer after being verbally told not to because the number was never provided on the original credit application or form for services. The debt collector admitted to seeking out my employers number online then started contacting me at work without authorization. Secondly the original creditor is billing me for archives that were never rendered. This XXXX is for XXXX appointments that were canceled within the allotted time frame outlined by the medical practitioner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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:
I have received a letter from Holloway Credit Solutions stating that if I do not respond, my credit may be impacted negatively. I am not involved account number they are collecting. 

I do not appreciate them contacting me and then threatening me on top of 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 2016-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: CA

Complaint narrative:
I have been requesting Platinum Home Mortgage remove the PMI from my account since XX/XX/XXXX and I am always sent to a loan person to refi. According to everything I have read the PMI is only required to the loan to value has met XXXX %. I have been under that threshold since XX/XX/XXXX. However Platinum Home Mortgage continues to charge me PMI and when I request it be removed they claim I have not met the requirements. The facts are I purchased the home in XX/XX/XXXX at a value of XXXX ( loan amount of XXXX ) making the XXXX % value XXXX ( or XXXX if based off the loan ). I have been well under that mark since XX/XX/XXXX however the Platinum Home Mortgage continues to charge PMI even after I request it be removed. The appraised value is currently over XXXX and has been over XXXX since XX/XX/XXXX when I have began requesting the removal of the PMI. Please help me in having this corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: MA

Complaint narrative:
XXXX of weeks ago i happened to check my credit report and i realized that it had addresses that i have never lived, several activities that i was unaware of. XXXX activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under XXXX account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had XXXX services and my identity was compromised. After a few days of investigation account was recalled by XXXX and closed on XXXX/XXXX/2015 agreeing that it was fraudulent account. Few days later i got a debt collection notice from " Afni XXXX '' with the same XXXX account number and amount claiming its new collection notice, i reached out to them and did n't get any help. see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Regions Bank refuses to confirm the date I can expect to receive the XXXX they " XXXX '' confirmed that I qualified for after being asked numerous times to do so. If I have indeed met all the terms, then it should be easy to see on their end when I can expect to receive the bonus.

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