vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First Recovery Solutions, Inc.
State: FL

Complaint narrative:
I received a telephone call from First Recovery regarding a debt that they claiming I have attempted fraud on a financial institution. They are unwilling to provide proof of the debt and have said they will turn it over to their legal team to sue me. I attempted twice to obtain information from them and twice they hung up on me. All they will tell me is that it was a payday loan with a company that I have never heard of.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pioneer Capital Solutions Inc
State: MD

Complaint narrative:
I paid this debt off months ago to company that was handelinf the collection. It is no longer an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALCHRO INC.
State: FL

Complaint narrative:
Collection agency could not validate debt. Removed collection from only XXXX credit reporting agency file. Debt still remains in collections on remaining credit reporting agency files.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-16 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Mobiloans, LLC
State: VA

Complaint narrative:
Received a loan from Mobiloans. They were deceitful in their monthly payment schedule. They have been withdrawing more money from my checking account than I agreed to. Yet when I look at the payment history it does n't reflect the entire payment. Their practices are extremely deceitful and the " language '' is written in a way that seems legitimate, understandable and upfront. However, they 've never provided a truth in lending disclosure as promised when I applied and I do not have one in " my account information. '' What they offered when I applied is NOT what is being followed. I 've contacted them and they are NOT willing to assist. I have copies of my payments and the amount they 've deducted from my bank account. Willing to submit them as necessary. For example, they deducted {$220.00} from my checking acct on XX/XX/2016. However, they only posted a payment of {$110.00}. Where 's the additional money applied they deducted from my bank account.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Debt was included in bankruptcy and my wages are being garnished for it now.

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 2016-12-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Mobiloans, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc
State: AZ

Complaint narrative:
On my credit report it shows multiple open accounts by Alpine Credit. I attempted to contact this agency at which time they informed me that these accounts were at closed status, however Communications between reporting agencies and this company are not happening and my credit is suffering, I need to know how to go about removing these erroneous statements for my credit report showing as an open collection when they are actually closed, please inform me on what to do before I have to find or pay for an attorney if I do n't have to. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Citi Management Group, LLC
State: VA

Complaint narrative:
Company named City Management Group contacted my step-mother and then myself to try to collect a debt I do not owe. When I contact them with the reference number they provide they never disclosed it was a attempt to collect a debt, or had me verify my identify. Was told I owed money on a payday loan from XXXX 2013 however the address that they stated the loan was taken out under was not me residence at time and I had left that residence 2 year prior to " said loan ''. When I asked who the loan was through she said it was a payday loan but could not provide me with the company whom the loan was through. When I asked for copy of the loan document she told me she did n't not have access to them. 

This companies phone number is XXXX and I spoke with a XXXX XXXX. I did set up payment plans but when I realized this was scam I contacted my bank to cancel my card. 

Just wanted to make you all aware.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
KMF USA has questionable practices regarding payment refunds from consumer/personal auto loan accounts. The lender is practicing deceptive acts by holding funds while still recording the funds released from the account balance. This is resulting in increased interest charges from the lender which is not an accurate or legitimate GAAP. 

A payment refund request was received by their offices on XX/XX/2017, and they claim they complete all payment refunds in 7 business days. On XX/XX/2017, a loan officer informed me that they have just begun reviewing the request as of XX/XX/2017 and I would have to wait another 7 business days for a payment refund to be issued by paper check. 

I have been given too much different and incorrect information from the team at KMF USA. I would like something to be done to make sure they establish a clear cut process and much more user friendly for customers.

Company response to consumer: Closed
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Extortion excess escrow ; with threatened Foreclosure for amounts not due ; attachments define the case with proofs ; opposing counsel states the Stipulated Injunctive order CASE XXXX Document XXXX Filed XX/XX/2015 as brought by FTC and CFPB are not enforceable between customers and Ditech Financial LLC , therefore they did no wrong that can be enforced, or the gist similar thereof ; Phone records and specific calls can be identified with key information, but implications are that the recording of such collections calls by Ditech as required to be kept at 90 % per the agreement, are not discoverable to an individual consumer Ditech has abused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Account Recovery Service, Inc. (WI)
State: IL

Complaint narrative:
ACCOUNT RECOVERY SERVICE KEPT CALLING MY HOME AND CELL NUMBERS REPEATLY, I SENT CEASE AND DESIST LETTERS BACK IN XX/XX/XXXX. XX/XX/XXXX I PAID XXXX XXXX IN FULL FOR THIS XXXX XXXX DEBT AND THEIR ACTIONS ARE IN VIOLATION OF FTC, CFPB-FCRA, FDCPA AND TCPA.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
This is an update to my complaint against State Farm Bank, case number XXXX. Thanks to the CFPB, SFB responded and finally seemed willing to resolve my issue. I heard from XXXX and XXXX from corporate on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I also reached out to XXXX Escalation Specialist, XXXX, who conferenced me with SFB rep, XXXX. XXXX, XXXX, and XXXX all saw something in my account and wanted to either " research '' it or in XXXX case -- refer my case to Corporate. I agreed to continue speaking with XXXX today, XX/XX/XXXX at XXXX Pacific to thoroughly examine my case, but XXXX XXXX did not call. I reached out to XXXX XXXX and XXXX this morning, requesting assistance, but have not heard back. I have been through this countless times within the past 6 months where SF Bank can not explain why they charged my Visa {$540.00} and why they lost my XX/XX/XXXX Visa payment of {$540.00}. They always need to " research '' something and either never reply or a new rep who is unfamiliar with my case falsely accuse me of requesting this charge. This is not a hard case to solve, yet it seems they see the discrepancy but refuse to admit fault. Please explain this {$540.00} " payment reversal '' that SFB placed on my Visa. If it is a refund, trace it, because I have not received it. If this reversal was done to pay for my XX/XX/XXXX insurance, then why did you do that, because I already gave you {$540.00} on XX/XX/XXXX to cover my XX/XX/XXXX insurance plans? Also, why was my {$340.00} XX/XX/XXXX Visa bill placed in collections on XX/XX/XXXX when that Visa bill was n't even due until XX/XX/XXXX??? The bill was n't due yet you placed it in collections?! Can you explain any of this? I have all my account statements on hand. Please reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN INTERNET MORTGAGE
State: OH

Complaint narrative:
We are attempting to refinance our home. I retired recently so my income dropped substantially. But my wife and I both receive a pension from our previous employer. XXXX different companies have " approved '' our loan early in the process, and got us to shell out {$450.00} ( each time ) for appraisals and a rate lock fee. Then, much later in the process they tell us our incomes do not support the amount we are trying to borrow at that term and interest rate. It seems easy enough to make this determination right up front. It would save the consumer the {$450.00} and the grief of sharing all kinds of very personal financial information, including social security numbers, with the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I finished a car lease with no late payments. But they are charging me for a little dent as small as my nails for {$660.00}. It is unfair. I think the most they can charge me is say thank you for giving the car back almost new with a very little tiny dent. It 's very natural over two years of usage. I also suffered poor air conditioning for over two years and their service department kept denying the problem.

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 2017-03-30 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt to any bureau nor post or obtain any information on my Credit Files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I use Navient and when i asked about Loan forgiveness they automatically told me i was not eligible and made me do a repayment form that would cost me {$0.00} for 12 months. Which is fine ; but, now i am worried that the payments will go up. I also asked about deferment and they told me i was n't eligible either. I make XXXX year right now and i have about XXXX in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
I 've tried to dispute this information with the credit bureau as well as the company and was provided the same resolution which was nothing. There are XXXX medical bills on my account from SYNDICATED OFFICE SYSTEMS. XXXX of the accounts is not even mine its under my daughters name which had XXXX and it was covered. The second account is also a medical bill that was paid in full by the insurance company and they still sent it to collections. After numerous attempts to the company they refuse to delete the collection as it clearly shows paid in full with no balance. This is beyond frustrating as it is affecting my credit score and report which is hindering me from receiving future credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: CHECK INTO CASH INC.
State: NY

Complaint narrative:
I 've had this prepaid card for some time now. I have a portion of my paycheck deposited to it. On Sunday, XX/XX/2017, I went online to make a purchase. The card was declined. I wonder why when I have close to {$1000.00} saved up so I proceed to try a second time. That 's when I reached out to the card customer service. I was advised that my card was at a negative. They went over numerous transactions which I was completely unaware of. I immediately asked them to shut the card down and requested for a Dispute Form so that I could file a claim. I did everything I was advised to do. File a police report and submitted it along with the completed Dispute on the XX/XX/2017. Today, I received the frustrating and disappointing letter from them indicating that the claim was denied because these were face to face transactions and the card was present. This is completely appalling because I had the card the entire time. I was using the card at work when these transactions were fraudulently being conducted some where else. I 've been struggling these past couple of weeks because this is money I put aside for my every day needs as I am a single mother every penny counts. It will be a great hardship for me to loose these funds. I 'd like to file a formal complaint on this company for the way they have handle this situation. Not only was I not notified on time to avoid the loses but now they basically tell me that I have to go out of my way to reach to each everyone of these merchant and try to get the money back when there is more than enough evidence that these charges were not made by me. This is a great discrepancy and they failed to protect the funds that I work so hard to support my family. It may not be big bucks but is my money. Your assistance in resolving this matter is greatly appreciated. 

Below, I have included the fraudulent charges along with prepaid card company and my information : XXXX GA XXXX Dispute Processing Fax XXXX Tel XXXX Mastercard ending in XXXX : Fraudulent Charges XX/XX/2017 {$83.00} XXXX Ny XX/XX/2017 {$150.00} XXXX NY XX/XX/2017 {$110.00} XXXX NY XX/XX/2017 {$150.00} XXXX XX/XX/2017 {$44.00} XXXX Ny XX/XX/2017 {$57.00} XXXX NY US XX/XX/2017 {$13.00} XXXX, NY US XX/XX/2017 {$12.00} XXXX NY US XX/XX/2017 {$15.00} XXXX NY US XX/XX/2017 {$16.00} XXXX NY US XX/XX/2017 {$140.00} XXXX NY US

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mobiloans, LLC
State: TX

Complaint narrative:
Name of Creditor : MOBILOANS LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2017, I used my chase freedom credit card to purchase a barn door from XXXX, that gave me a wrong product, which was completely different from what I ordered. I chatted, emailed and called the store agent for a solution, and the store manager also contacted me back and promised me a solution. However, in the next couple months they just forgot everything and no updates at all, even I called and tried to reach them many many times. So, I contacted chase credit card company and request for a dispute the charge on the wrong product XXXX provide me, with a series of screenshots I chatted with XXXX agent. What shocked me was, with such sufficient evidence I provided, the Chase credit card company denied my request and chose to protect the merchant who made the mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I have filed multiple grievances with this organization, attempting to have this loan removed as I did not apply for it. 

At some point during XX/XX/XXXX my computer was compromised and accounts were opened in my name, linked to my checking account and emails compromised. An individual was acting on my behalf to obtain these loans. 

I tried to explain this to someone at Mobiloans, without any assistance. I was told that this was my debt, and that I was responsible for it. Furthermore, I would not have taken out a loan with such a high interest rate that is illegal in the state of California. 

As of XXXX/XXXX/XXXX, this is being reported unfairly and illegally on my credit report as a charged off account.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had my debit card stolen on XX/XX/2017, on my birthday, and woke up in the morning to find that my bank account was drained of all its money, over {$1900.00}. Chase Bank gave me a temporary credit for the amount, but even though I provided a police report and that they money was taken out one minute after the next at a XXXX at XXXX, Chase reversed the credit and will not refund me the money that was stolen. Due to that reversal, my mortgage payments were cancelled and now I am at threat of being foreclosed on. Chase Bank will no longer assist me on getting my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Manhattan Beach Venture, LLC
State: MD

Complaint narrative:
I received a number to call in regards to the student loan forgiveness bill XXXX passed. This contact is The Student Loan Relief Department ( TSLRD ), XXXX XXXX, XXXX. XXXX XXXX has told me that I would have my loans forgiven after tens years of minimum payments and for the first year I 'd be paying a XXXX dollar payment. When I spoke with XXXX XXXX XXXX ( my lender for student loans ) regarding a customer call back. XXXX stated that these kind of loan forgiveness companies are frauds charging money for free services and falsifying information on the loan forgiveness application. XXXX instructed me to call Consumer Finance to make a federal complaint in regards to this situation. The Student Loan Relief Department had me sign some documentations to process my loans for consolidation and charge me approximately XXXX XXXX dollars. The XXXX XXXX dollars was given to TSLRD by Manhattan Beach Ventures, LLC which is a bank that authorized the loan or credit for XXXX XXXX dollars. I do not wish to consolidate my loans nor do I wish to do any further business with TSLRD or Manhattan Beach Ventures, LLC. I spoke XXXX XXXX from TSLRD via phone and told her that I planned to file a complaint with Consumer Services, if we could not come to an agreement of to stop the process and cancel the credit for the XXXX XXXX dollars. She laughed and said that I would be paying the XXXX XXXX dollars back weather TSLRD processed to loans or not. I feel helpless, scammed and afraid of having my credit ruined. If my credit is ruined I could potentially lose my job with the Federal Government as a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation