vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Wilson, Riley & Associates
State: OK

Complaint narrative:
I was contacted by this company back in XX/XX/XXXX, they told me that I have an outstanding debt that I was never aware of for a payday loan back in XX/XX/XXXX. Stated that they were going to sue me for the funds. Afraid of legal action i agreed to make payments to them for the funds. After reviewing information online i am showing that this company is not a lawyer 's office but a collection agency. I am filing a formal complaint against their practices. To this day I have asked for paperwork showing the debt, but have never been provided the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
On XXXX XXXX I received a letter from first national collection Bureau located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with XXXX she then hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
XX/XX/2017 XXXX : I received a call from XXXX at Southern Finance at XXXX SC XXXX. XXXX told me that a check had been cashed in my name, and that repayment was expected. 

Suspecting a scam or con-job, I asked for additional information. XXXX told me that they had mailed a check to me and that it had been cashed. I told him I did not know anything about this. XXXX provided a SSN and DOB that match mine. 

When I asked him, XXXX told me that checks had been mailed as a promotion to many people, and that cashing these checks was acceptance of a loan with interest in the 40 % area. XXXX told me that they had obtained by address, SSN, DOB, and credit score from XXXX. 

I told XXXX that I had not received any such check, nor had I cashed any checks in that amount. XXXX tried to tell me that a relative or roommate must have cashed it, and that I was responsible. I have no relatives in the area, and live alone. XXXX told me that someone must have taken the check from my mailbox, and said that he needed me to present myself to him in person to " get to the bottom of it. '' I declined to do so, because I believe he would try to trick me into giving him information to add to his file and make it appear legitimate. Specifically, I think he would have tried to trick me into letting him copy my ID to add to the file and make it appear that I had applied for the loan in person. I think that security camera footage showing me in his office would be added to the file to make it appear as though I applied for the loan in person. 

I believe that the practice of sending out checks for loans that were never applied for is deceptive and predatory, because many people receive many checks from many sources, and would believe such a check to be a payment from a client or a settlement, and deposit it without realizing they were obtaining a high-interest loan. 

I believe that this contact from Southern Finance was an attempt to commit fraud and collect on a loan that does not exist.

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 2016-11-18 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I talk to XXXX man and transfer me me another guy .the other they transfer me to was rude and yelling at me treating me that there taking legal action. I stated how do I know this could be a scam and I look up the phone number and people stated something things about them. He started getting loud and saying then just wait and see what happens and that this was my fault you should pay your bills.then he called my sister and then my father twice and harassing them on the phone. He never stated where he was from and what company. It 's stressing me out and I am having sleepless nights BC they keep calling. 
They asking for my personal from family also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL

Complaint narrative:
A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL

Complaint narrative:
The collection agency Aspire reported to all XXXX credit bureaus that I was over 100 days delinquent in scheduled payments to them for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never made any payment arrangements with them nor was I contacted by them to schedule any payments or to inform me that I was being billed. It was not until I checked my credit score that I realized what they did. Upon speaking to them, they made my account current up to XXXX/XXXX/2016 due to an in-school deferral, but they refuse to remove the late payment delinquencies on my credit for XX/XX/XXXX and XX/XX/XXXX, when I informed them that the information was erroneous they said there was nothing that they can do, because from their end the information was accurate.

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 2016-09-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
ConServe sent a wage garnishment to my employer in XXXX 2016. After completing wage garnishment calculation sheet with my employer ; I called ConServe to see about getting into a REHAB program. I spoke with XXXX and he walked me through several online and printed documents that I had to complete to supposedly get into this so called REHAB program. He told me that my employer could hold off on the wage garnishment until a letter from XXXX XXXX XXXX is received that would change my payment to $ 5 month and he then said to ensure that this is done, I needed to make XXXX {$5.00} payments over the phone. I did this by giving him my account information. My employer called me in to say ConServe had called her and that the wage garnishment that we calculated would have to begin immediately at which time I called ConServe again to find out what is going on. I was told at that time that the {$5.00} payment was being made to Conserve to REQUEST a payment reduction or CANCELLATION from XXXX and that I would have to continue to make XXXX consecutive {$5.00} payments ON TOP of the wage garnishment payment before a request would be made to XXXX XXXX XXXX. It 's now XXXX and I 'm still completing paperwork in regards to a {$5.00} payment and still being garnished for the calculated amount. None of what they say, make any sense to me. There is no way XXXX will stop a {$22000.00} debt based on 5 consecutive payments made on time. I 'm trying to get them to be honest with me, because why should I pay them {$5.00} a month to ask XXXX something that I know will not happen. It 's crazy and they 're being very deceitful. XXXX should be ashame of themselves for contracting such an unprofessional company to manipulate hard working individuals ; who clearly do n't have the money to even pay back these loans. It 's not that we do n't want to pay ; but times are hard and the money is simply not available at the time. To hood wink someone into making payments like this is TOTAL FRAUD! I WILL BE MAKING A COMPLAINT TO DEPARTMENT OF EDUCATION AS WELL!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Continental Services Group, Inc. d/b/a ConServe
State: WI

Complaint narrative:
several occassions even after my supervisor has ask Con serv to stop calling they continued and disclose i owed substantial amout of money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call from a debt collector pretending to be a law firm. The company that did call was XXXX XXXX XXXX, I spoke with XXXX, who refused to give me his name, I had to have the other agent give me his name after calling back. The agent mis-represented himself to be from a law firm, he then corrected himself in the middle of the call, agent was harrasing and threated to send the information to the authorities to have me sued or arrested. I asked if I could call my attorney to discuss the matter, and the agent threatened that if I did that he would make sure I was charged with check fraud. He hung up the call. I did call back and spoke with someone else to make the payment, the tactics the person used was harassing and was a violation of my rights, he did n't correctly identify himself, he did n't allow me to call him back because of wanting to seek legal counsel, and was overall extremely unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: WLCC
State: MN

Complaint narrative:
On XXXX/XXXX/16 I logged in to Arrowheadadvance.com to check my payment date is it said XXXX/XXXX/16. My account was debited {$120.00} on XXXX/XXXX/16. I have already paid over {$510.00} in fees on XXXX loans. The website did n't align with the debits. Arrowheadadvance is not licensed to lend in Minnesota and is charging usury fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: WI

Complaint narrative:
I previously had XXXX XXXX XXXX as my mortgage company but in 2015 after losing or misdirecting my 'pay in advance ' monthly payments - I asked permission to pay in advance and credited to payments and NOT principal. However, again they continued to misdirect or lose payments and actually put my house in foreclosure even that I was paid in advance by 2 or 3 months! Then to stop the ( BOGUS ) foreclosure I not only sent the excessive amount to stop the foreclosure- I had to send it TWICE because they credited the money to someone elses account! Now the new company Seterus continues to harass me with bogus charges for over {$1600.00} because they claim I dont have insurance on my house! I called my insurance company even sent them bills and they continue the harassment of either raising my monthly payments, not giving me credit for the monthly preprepayments and cashing XXXX checks they are n't entitled to to stop a foreclosure that is n't even valid because I paid months in advance my mortgage. I call XXXX, write and nothing is corrected and its cost me over {$5000.00}. just to Attempt TO STRAIGHTEN THINGS OUT - BUT ALL THEIR RESPONSE CLAIMS THEY DID NO WRONG AND THAT I SHOULD OF ASKED FOR PERMISSION ( WHICH I DID XXXX 2015 ) TO MAKE PREPAYMENTS TO MY MORTGAGE MONTHS IN ADVANCE )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ERC
State: FL

Complaint narrative:
Got a letter in the mail said I owed XXXX XXXX XXXX. In XXXX not my home in Florida. Called them and they said they wanted additional personal information such as a copy of my driver 's license and electric bill. I thought this unwise and told them so. They proceed to tell me if I do n't give it to them they will keep calling, affect my credit rating and maybe take me to court. The entire approach is guilty until you prove yourself innocent. Since I have never been to XXXX, never rented an apartment in XXXX, and never asked for XXXX XXXX to be installed anywhere at anytime and could prove it I felt intimidated by their call. I made a personal trip to their office but they were unable to tell me when this transaction occurred. I have sent them XXXX letters explaining my life over the last 30 years but not providing them any other personal information. I have filed an FTC report and put a fraud alert on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received a letter from Discover today advising me someone attempt to apply for a credit card in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle mortgage transfered my loan to XXXX with an incomplete file ... for 3 weeks I have been unable to make any progress on getting {$7000.00} of my insurance money on a completed project ... can not no progress after hours on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
I received a summons from XXXX XXXX XXXX the attorney for XXXX XXXX XXXX in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of Edwin B Parry today, XXXX/XXXX/17, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.

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
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CAPITOL TITLE INSURANCE AGENCY, INC.
State: MD

Complaint narrative:
I Purchased a home XX/XX/2014 ... the title company I used for closing was suppose to record the title with XXXX XXXX XXXX XXXX. It is now XXXX and the title was never recorded. I was trying to refinance with my current lender for lower payments and rate, but due to the title company not having my title recorded my deal had to be rejected because they have been dragging their feet in recording my title. 
TITLE COMPANY : CAPITOL TITLEXXXX XXXX MD XXXXCONTACT : XXXX XXXXCONTACT NUMBER : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
A year ago I voluntarily Suspended my credit card account with Discover Card, in order to lower my interest rate. I have never been late. Always paid on time. I agreed to do this for a one year period. As of XXXX XXXX, 2016 I was supposed to be able to use my card again. Discover card REFUSES to release my card since they claim they have to see if I can still pay for the next few months at the new rate. This is not only ridiculous, but Illegal! I have been a Discover member for 20 years! I have never been late. I am a single woman and feel they are discriminating against me! They refuse to release me. Please look into this as soon as possible. They are re-dictating the payoff process..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover close my account for no reason given. They closed my account when I was shopping without sending me a notice ( I got that notice a week later ). Moreover, They refuse to send me the matched cashback that they promised when they encouraged me to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: DISCOVER BANK
State: WA

Complaint narrative:
During the application process Discover gave the option to add a cosigner to my application. In my attempts to do so ( because it would n't let me ) I did what any reasonable prudent person would do and followed the prompt to the next screen thinking that it would give the option to add my cosigner there ( like every other student loan site ). However, the application came back immediately denied with no option to add a cosigner. In my attempts to fix this by contacting support discover admitted it was there mistake and said they would offer no solution in fixing it until I receive a letter two weeks from today. This was misleading and fraud in the way that it was advertised and no prompts on the website explained the cosigner aspect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: NY

Complaint narrative:
After submitting multiple reports, phone calls, emails, etc. it is apparent that Discover will not compromise or help out my situation at all. I have tried everything in my power as a consumer to get them to negotiate my interest rates, apply for the hardship assistance program, only to have them tell me that I do not qualify and they will not budge. 

This is nothing short of Loan Sharking, and it will not stand. I am a human being and deserve to have consumer rights. If I do n't apply for hardship assistance, working/owning XXXX full time businesses, while not being able to afford groceries, rent, phone, or any other expense besides my student loans. I do not miss my payments. I pay between $ XXXX {$1200.00} with all my student loans combined ; Discover is charging me 8.875 % for a {$11000.00} loan and 7.125 % on a {$19000.00} loan. When I ask to apply for the Hardship Assistance program ; interest rates are reduced temporarily with a {$50.00} per month payment, they say that I do not qualify. 

I made less than {$20000.00} dollars last year. If I do n't apply, who does? Where is the justice system? How are they allowed to get away with Loan Sharking and such fraudulent behavior? If college is a debt sentence, the said debt should be reasonable and not astronomical. Taking advantage of the youth by having them sign papers they do n't understand because they need to pay for college is Loan Sharking. 

Shame on you Discover. It is not secret that all they care about is their bottom line, and the people are just numbers to improve that. It does n't matter if they ca n't afford groceries. At the very least, bare minimum, these companies should be held accountable and made to refinance these outrageous loans that are somehow legal. When we talk about justice, how is it just to have a multi-billion dollar company handcuff a citizen below the poverty line. If someone below the poverty line ca n't refinance their loans, I want to know who can? 

Enough is enough. If the companies themselves wo n't budge an inch, it 's time for our government to step in and protect the people for once.

Company response to consumer: Closed with explanation