vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Sofi Lending reported that I applied for a loan, but all I did was check the possible rate, and the website said it would not affect my credit. Now, it 's showing on my XXXX report as an inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
I was contacted by a Law Firm ( Lyons, Doughty and Veldhuis XXXX ) in regards to a debt owed to XXXX XXXX Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a XXXX XXXX Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted XXXX XXXX Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: IA

Complaint narrative:
I purchased a vehicle from libel financial back in XX/XX/XXXX-XX/XX/XXXX. we since XXXX the vehicle back since I lost my job and ended relocating to a different state. Since then Libel Financial has reported multiple different amounts ranging from XXXX to XXXX. Now most recently they doubled the amount to nearly XXXX dollars. More then the original price of the loan. I believe these are frodulent charges in order to try an inact legalncharges More than 3 years after reposession and are falsely reporting amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
The collections agency is using fabricated altered documents to validate a debt that they say I owe in the amount of {$4700.00}. I did live at the apartments in XX/XX/2011, but there was never a balance due in the amount being reported on my credit. The documents attached are documents the collections agency forwarded to me to try and prove their case but after reviewing the documents I realized the documents had in fact been altered. I am also planning to have an attorney to review these documents because I feel that what has happened to me concerning this issue has been extremely unfair. The amount they are asking is invalid I never owed the company this much money ever! The documents the collections agency provided had no return address on them, no contact number, and no agents signature from the original creditor, the documents the collections agency provided me as proof is totally invalid and the original creditor has no records of the debt and it farther proves that I never owed this money. The original creditor has never charged this much for any of their apartments. The dates and the amounts are invalid. I do not owe this money and I want it to stop being reported on me credit because it is having a negative effect. When I asked the representative about these documents she told me that she had a signed lease and that 's all she needed and she would list me as a refusal to pay. I told her that I disagreed with the authenticity of the documents and I was not going to send her company any more money concerning this debt. She was rude in all email correspondences she told me that there was no need for me to email her again, and she has been consistent with trying to collect this debt from me. She believes that she can collect this money from me because of the lease I signed in XX/XX/2011 which I did sign but the amounts have been changed they are not the same, and the dates do not match my recollection of the actual lease agreement that was signed. I know what an altered document looks like and the documents she sent me have been altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XXXX 2012 I bought a Jeep that was financed by a jacked up company called Lobel Financial. I started having problems with them right out of the gate, way before the first payment was ever due. They jacked up my payment by {$66.00} a month claiming that the required proof of insurance had not been provided. They 're blatant liars. Proof of insurance had to be submitted before ever being to take the vehicle from the property. This continued throughout the entire time I had possession of the vehicle. I will be submitting proof of this claim. Before the first payment was due I got sick and was diagnosed with XXXX. I was on LOA for 3 months. I was struggling to survive & they kept jacking the payments up. Maybe a year into it, the picked it up. The Monday morning they took it, they also received a payment. I had called on Friday and given them the information but they made sure they had it picked up before the mail ran that day. While in their possession it was damaged. I fought and got it back but naturally not without additional fees. They made me sign a paper they refused to give me a copy of. I had a witness to that. It went along again for awhile and they did it again. I was n't going to fight for it the second time. The sow that works the XXXX XXXX office sold the vehicle & proceeded to sue me for the what the balance was when they took it which was about {$7000.00}. She really thought she was going to get both. Lobel Financial has repeatedly been asked for the proof of the sale to see what they really got for it and they have refused to provide. When we went to Court she claimed they only charged me {$66.00} one time, but that should never have happened. I maintained the proper insurance the whole time and that proof was submitted to the Court. The DOJ is finally taking a look at the practices of Companies like this. Now she has a XXXX XXXX trying to collect another {$2000.00}, balance is incorrect and not owed. I have submitted a complaint to the CA AG 's ofc to look into this matter as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I sent a validation letter to Phoenix Recovery Group on XXXX XXXX, 2015, requesting information regarding an account they claim I owe them. I received a response from the collection agency however they failed to provide proof on the account they claim I owe Phoenix Recovery Group. Therefore on XXXX XXXX, 2015 I responded to Phoenix Recovery XXXX requesting additional proof the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Second Round Limited Partnership, Austin, TX Branch
State: NH

Complaint narrative:
Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. 

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MNE Services, Inc
State: SC

Complaint narrative:
I was called by XXXX XXXX XXXX, who had my entire SS # so I thought they were real. They said that I owed over {$800.00} for a payday loan i never took out but would settle for {$430.00}. I checked and found that their number XXXX was a scam operation. I have contacted my bank concerning the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
This is not my account yet the company keeps calling me and harassing me. I want the calls to stop. Its depressing and stresses me out. They call me every hour from different numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
They have continued to call me and make threats that they are going to put this debt on my credit report even though I still have not gotten anything from them in the mail on who I owe and amount. They offer to text it to me with a link on it and I refused that. I have asked several times for them to mail it to me. I have yet to receive anything. Now when they call they hang up on me as soon as I answer and when I call back they have the same recording that they will transfer the call it rings and then disconnects so I ca n't get this supposed collection agency 's name. One total me Capital Billing and one total me Capital Accounts. I have never been called by the same number. They are all different area codes and phone numbers. I submitted a complaint already on XXXX. I wanted to add to it since a new number called but I did n't see that option. That complaint number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
Landlord ( XXXX XXXX XXXX . ) did not provide notice to tenant ( XXXX XXXX XXXX ) upon the XXXX day from move out day to the forwarding address she provided upon move-out on XXXX XXXX, 2014. Landlord then sent amount directly to a collection agency who only provided a bill as a method of validation. We have asked the collection agency to provide the certified letter attached with the return receipt with tenant 's signature that she received notice that landlord was seeking an amount in damages. Tenant who is XXXX years old and who lived in the apartment for 8 years, disputes the entire amount sought by landlord due to their failure to provide notice and the fact the items seeking reimbursement ( vinyl, resurfaced counter-tops, and a blind ) are all items with normal wear & tear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Feldman & Stern, LLC
State: TX

Complaint narrative:
XXXX XXXX with Feldman and Stern at XXXX has called multi times threating myself and employees at my that he is going to sue me if I did not contact him. I talked to his on XX/XX/XXXX that the following week I would return his call and make arrangement on the debt. He refused to accept this and started calling my work every hour and to calling my husband works as well threating him and other employees there as well. He has cused out a employee at my work thinking it was me.XXXX XXXX has been told not to call our works and to call our home phone. He will not accept this and now he is calling the works phones giving a different name and threating to come in person to our works to collect the money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, MD made an error in filing the treatment bill ( {$320.00} ) to XXXX XXXX XXXX XXXX XXXX ( my insurance provider ). Till date XXXX does not find on it records proof of claim filed. I made the facility aware of their error ( XXXX of accounts dept. ) but they chose to take the case to R & R Professional Recovery XXXX XXXX, MD ( R & R ) anyway, per account # XXXX. 
In an effort to resolve the issue, per my request, XXXX customer service contacted R & R to point out the error but they refused to talk to them. 
Notwithstanding above steps, R & R went ahead and reported matter to collection bureau destroying my credit worthiness. 
Please provide help and succor to remedy the predatory and illegal practices of R & R. Thanks a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Element Global Services
State: KY

Complaint narrative:
The debt collection agency Element Global Services had an agent named XXXX contact me at work while I was teaching. He gave me a deadline to call him back or he would be calling my boss. He threatened to have me put in jail and taken to court if I did not pay a certain amount of money on the spot. He also refused to identify himself when he first called. XXXX also threatened to contact my boss with the recording of the line that we were on to show him my " character '' after he made numerous other threatening statements. After researching this company on the internet I have seen nemerous complaints about intimidation tactics from them. XXXX knew information about me that he should n't have and that was an extremely scary thing. I felt harassed and violated by this man.

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 2016-10-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: IL

Complaint narrative:
I 've been contacted about school debt. I was supposedly placed on a payment plan to pay this off from my checking account. This was suppose to start the month of XXXX. However, the money was never withdrawn and now the account is in collection. I would like to negotiate the account because I am in position to financially pay the amount in full. I 'm getting harassed by debt collectors all hours of the day. I provided them with my debit card number. I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: South Carolina Student Loan Corp
State: NY

Complaint narrative:
Payments are too high. Needed the loans to attend college. Wish to pay back but need lower payments. SC Student Loan charging a 9 % interest rate which is way higher than the market and will not negotiate to lower the rate or spread out the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie Mae is harassing me ( via incessant phone calls ), and sending mail to my cosigner 's address. I 'm asking that said methods of communication cease. I 've written multiple letters to Sallie Mae, each asking for a path to a resolution regarding the issue at hand, and that they stop the harassment and bullying that they routinely participate in. With that being said, Sallie Mae has made zero effort to return my missives in regards to finding a resolution to the issue at hand. I, in addition to my cosigner, receive nonstop phone calls from various Sallie Mae agents, none of whom I have any familiarity with whatsoever. Meaning, every day, multiple people -- people who I 've never spoken to in my life -- call my phone claiming to be my assigned Sallie Mae account agent. But such claims are not accurate : Sallie Mae has failed to provide me with an account agent name and number, therefore I 'm never given access to a 'real ' human whom I can contact to resolve issues. Instead, I 'm at the mercy of Sallie Mae and their slew of nameless, aggressive debt collectors. I 'd like Sallie Mae to return my letters, stop contacting my consigner 's employer, and engage with me in a dialogue that will lead to a timely resolution to the issue at hand. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 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: AES/PHEAA
State: NY

Complaint narrative:
This company XXXX XXXX, XXXX were told on XXXX XXXX, 2015 .via certified mail, That this account that they are trying to collect on is a result of XXXX. The company who sent them the information ( Amercian Education Services/ National Collegiate Trust ) had been informed on XXXX 2015 that this account was a result of XXXX and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business Aes/NAtional Collegiate TRust that this account was a result of a XXXX. They have not responded to me on this and knowingly went and sold this account to another debt collector XXXX because now in XXXX XXXX, 2015 I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have a Discover card that I no longer use or have a balance on, and today I got the following email from them : '' XXXX XXXX, your Discover card 's built - in benefits are streamlining on XXXX 2015At Discover, we want you to be happy. That 's why periodically review the valuable benefits that are built in to your Discover card. We have decided to retain some benefits - like purchase protection and price protection - and discontinue others. 

What this means for you : Effective XXXX XXXX, 2015 Discover card will discontinue the following benefits : XXXX Travel Assistance, Baggage Delay Insurance, and Emergency Roadside Assistance. If you have a loss or incident that occurs on or after XXXX XXXX, 2015, it will not be covered by these benefits. 

Want to learn more? 
See all your card 's built-in benefits at Discover.com/cardbenefits. " This seems entirely misleading. They want me to be happy, so they are removing some benefits. They put that jumble of sentences before the actual change just to make it seem like they were n't taking something away.

Company response to consumer: Closed with explanation