vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC
State: CO

Complaint narrative:
XXXX scores carry too much weight and are there methods are hidden. 
The government should publish the XXXX formulas!!!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
After moving into my new apartment, I received a coupon packet from the USPS that included a promotion with Chase bank. The promotion stated that if I opened a checking account with direct deposit, I would receive {$300.00} within 10 days of satisfying the direct deposit requirement ( the requirement was {$500.00} each month ; more than double that has been directly deposited by my employer each month ). I opened my account in XX/XX/XXXX ; it has been almost XXXX months, and I have not received the promotional credit. I have emailed the bank customer service representatives, but they said that without re-submitting the coupon they could n't do anything. But, upon opening my account the woman took the coupon, so it 's impossible for me to still have that coupon. I would not have opened an account with Chase had it not been for this incentive ; I would have gone to another bank that would have actually honored their promotions. I am extremely frustrated at this bait and switch, and will close my account with Chase if they do not honor the promotion that brought me to their branch in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Recovery Group
State: IL

Complaint narrative:
I have been receiving multiple calls on my personal cell phone and my work phone from a company claiming I owe money for an online loan from XXXX. I have no memory of taking this loan and when asked for proof they told me they could send me a letter from their office but would not have the original documents as the " loan '' had been sold several times. They threatened to see me at home or work if I did not pay. I called the number XXXX and spoke with a woman who refused to give me her address or let me talk with a supervisor. She yelled over me and kept saying with I resolve this voluntarily or they would do it through the law and courts in XXXX XXXX. I do n't live in XXXX XXXX. I finally called back and got a man named XXXX who still refused to give me his address but said they would contact " Web Loan '' and see if they had the orinigal paperwork and would send it to me. I told them if I owe something I pay it and I did not believe this was legitimately my loan and that by law they needed to provide proof in writing. Again said it was doubtful that they would be able to get anything and that the original amount was {$500.00} but the amount to settle would be {$800.00} and would I be willing to pay today? I searched them online for both " GR Group '' and " Global Recovery Group '' and found XXXX in VA. I called them and spoke to XXXX XXXX XXXX who apologized and told me that they are using the name of his business but he is not in the personal loan collection business. 

Here is his e-mail to me : Dear XXXX XXXX : I am sorry you have been contacted by the " Global Recovery '' entity that is frequently mistaken with my company, Global Recovery Group, XXXX. I have repeatedly sought to alert the CFPB about this entity and its tactics, and attach a letter from XXXX in this regard. My suggestion is that you file a complaint with CFPB directly. 

With best regards, XXXX XXXX XXXX XXXX, XXXX. 
Chief Executive Officer Global Recovery Group, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX USA Tel : ( XXXX ) XXXX Mob : ( XXXX ) XXXX Fax : ( XXXX ) XXXX He also included a letter he has written to XXXX XXXX - director of your bureau.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Prepaid card — Transit card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC
State: MA

Complaint narrative:
Rushcard has been holding onto my refer a friend credits for way too long now. I 'll call and they say they 're going to send to cooperate as priority. Nothing yet. I have about {$180.00} worth of credits they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
applied for a modification twice and twice denied. The first denial according to their loan specialist was because the house did n't appraise for their drive-by perceived value. Appealed their decision, the second time it was because the income was not correct and I believe the house value. An independent appraisal stated that the value was $ XXXX more than their stated value. They are now saying that the NVP is negative, but in speaking with professionals in the real estate area, none have heard of any lender or servicer using this as a tool for a modification. This supposedly is used for income property to determine cash flow. This is a single family home.They are also using something called a mock NVP which no one has heard of. I have asked them to explain, but nothing as of this date. They have also used old income stats for this evaluation even though I have told them the income has changed from XXXX to XXXX. I am not sure what type of game this servicer is playing but it is not ethical. Nationstar is the servicer. And while they did provide a dedicated loan specialist, she was many times uninformed and did n't get back with us in a timely manner with answers. And they repeatedly stated they did n't receive information that was either faxed or submitted thru XXXX. Thus I figured using a third party would be a verification of information sent. Please let me know what I can do at this point or where I should go for further assistance..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Chaplain Financial Services LLC
State: MA

Complaint narrative:
I recently have been getting a call from a XXXX saying that I owe a debt. The person named XXXX does not identify the agency that she works for or says where the debt is coming from. I did get an email saying that I owe money from XXXX, but it does not give specfics of when I took out the alleged loan and that there has been multiple attempts to contact me and I have not responded. When I google Chaplain Financial it comes up as scam. The call back number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I paid the balance of the loan and now they say I owe {$65.00}. My credit union sent them a check for {$1100.00}, which was balance on XX/XX/2015.They received the check XX/XX/2015. Now they say i owe {$65.00}

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
My husband and I opened a car loan for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX we had the car repossessed for being a month and a half behind. My husband had been having health problems and returning to his old job was not an option. We paid the amount to get the car back and made a payment arrangement with them. They offered the car at {$570.00} a month and we were agreeable. Unfortunately the first payment was to be made two weeks later and we could n't do it until 6 days later, somehow we were not able to get them to do a payment arrangement and we owed all this money up front. They accepted the {$470.00} every month on the XXXX and we finally got a payment arrangement on the XX/XX/XXXX for {$470.00} that day and a {$100.00} two weeks later and we would start paying {$570.00} on the XXXX and then continue with {$100.00} every two weeks after the main payment date. We have held up our part and yesterday the XX/XX/XXXX at XXXX I am having threatening calls of repossession after we already agreed on XX/XX/XXXX for payment arrangements. I checked my credit report and on both XXXX and XXXX I am current on the payments with {$0.00} behind. Credit Acceptance will not allow me to access my account online nor will they tell me why I owe {$840.00}. I have asked for them to send me a statement or an account summary 4 times now and I have yet to receive ONE. We have spent a ton of money on this vehicle and somehow we are told we owe different amounts each time I talk to a representative. It is {$370.00} or {$470.00} or {$840.00}. They NEVER tell me what I owe for but if I do n't pay today they will repossess my car. Forgive me for the angry rant, but this is really really bad for my husband 's health which he is on the XXXX list. We are both trying to make this work and each time we work something out, they call me with repossession threatening phone call. The last payment arrangement I asked for them to email me an arrangement document, they said they do n't do that. My husband told me they would n't honor it because they have yet to honor any agreement we have made. I paid on the XXXX the {$100.00}, two weeks after I made the {$470.00}. It was on the XXXX we started getting these threatening calls without being able to tell me why I owe so much. They wo n't send me anything like they have n't the 4 times I have asked. This company has crooked practices. I will NEVER EVER get another car loan through them.

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 2016-01-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
I received invoices from a Debt Collector, and the listing of the original creditor on their invoice was similar, but not the actual name of a medical provider I had used in the past. I sent XXXX certified letters asking for a debt validation, challenging the debt. I only received additional invoices with added interest. I sincerely thought this was a scam operation, purposely using a original creditor that is not a registered business per the Ca. XXXX website. The Debt Collector then reported this to the credit bureaus. I started with XXXX, and informed them that the debt collector invoiced me for a original creditor that does not exist, and then reported the debt using yet another name, similar but not the name of a medical provider I had done business with in the past. XXXX, after investigation, much to my surprise, did not challenge the debt collector and let the debt stay on my report with an original creditor that does not exist. I then contacted the original creditor and advised them of the situation. Explaining why I did not owe any money, and why I thought the debt collector ( based on the XXXX similar but different names they were using ) was running a scam. The original creditor then contacted the debt collector and the debt was removed from my records. This process consumed time, effort, money ( certified letters ), and was very stressful. The debt collector could have made this whole process easier by providing a debt validation and presenting accurate invoices and creditor information. The credit bureaus should not be allowed to post bad debt in the name of original creditors that do not exist. Accuracy matters, and " close enough '' is not, nor should it be the standard for such important matters.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Protas, Spivok & Collins. LLC
State: DC

Complaint narrative:
I received a letter from Attorney, Protas, Spivok, and Collins, LLC. Phone : XXXX XXXX regarding an unpaid balance ( {$2000.00} ) from an apartment ( XXXX XXXX ) I lived in from XX/XX/XXXX to XX/XX/XXXX. I contacted the apartment management and expressed to them that the information that they submitted to collections was incorrect and requested to receive correspondence on what they had on file for me. I was initially told ( by XXXX XXXX, Regional Director ) that their records indicated that I moved out on XX/XX/XXXX and that they did not receive rent for XX/XX/XXXX and XX/XX/XXXX of that year. A XXXX email, from XXXX, confirmed that I submitted notice to vacate the apartment on XX/XX/XXXX and that I vacated the apartment on XX/XX/XXXX and relinquished the keys to XXXX on that same day. She went on to say that although they kept my security deposit ( for the XXXX days in XX/XX/XXXX that I was still in the unit ) the lease requires a tenant to move out on the XXXX and that I would be responsible for paying for XX/XX/XXXX, plus late, legal and WRIT fees. After requesting that she provide me with a copy of the lease and highlight where it states specifically that a tenant can not move out until the end of the month, XXXX did not respond to me but I received an email from a representative from XXXX XXXX, Client Liaison, XXXX XXXX XXXX, stating that her client could no longer be communication with me because this case is now a legal issue. I am being harassed by Attorney, Protas, Spivok, and Collins, LLC stating with threats of my wages being garnished because of this unpaid balance up to being placed in jail. The information that was submitted to the attorney is incorrect and I do not owe XXXX XXXX ( Equity Management ) anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collection Systems, Inc. (OH)
State: NY

Complaint narrative:
I have a debt on my credit report for American collection systems for XXXX New York that should not be there because XXXX servicing is already handling all my school loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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: FINEX Group LLC
State: CA

Complaint narrative:
i gave a vehicle away signed a bill of sale and turned in a release of liability to the dmv 6 plus years after i have a report on my XXXX that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Midwest Recovery Systems
State: CT

Complaint narrative:
The company Midwest Recovery is making claims of taking me to jail and sending a Marshall to my job and home if I do not pay. I never took out a loan with the Midwest Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: Millennium Credit Consultants Inc.
State: MN

Complaint narrative:
Millennium Credit Consultants is the debt collection agency for XXXX. I am a victim of identity theft and someone stole my personal information and identity to open up a XXXX checking account. The XXXX checking account is unauthorized, fraudulent and do not belong to me. Millennium Credit Consultants debt collectors has called me repeatedly requesting payment for a debt owed for {$1600.00}. I do not owe the debt to Millennium Credit Consultants. Debt collectors from Millennium Credit Consultants has called me repeatedly and harrassed, verbally abused, sweared at and threaten me with arrest, harm, death and wage garnishment. Millennium Credit Consultants is in violation of Minnesota Debt Collectors State Laws and The Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Management Services, Inc.
State: TN

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zenith Financial Network Inc
State: CO

Complaint narrative:
On XX/XX/2017 debt collector tried to run my credit card for more than they were authorized to run it for. This is a debt for my husband that they called me looking for payment. I authorized them to collect {$240.00} on Monday, XX/XX/XXXX. The payment was not run until Tuesday, XX/XX/XXXX at which point an interest payment from the credit card company was run. When XXXX called me to let me know the payment did n't go through I told her to run it again Friday. She told me that " they '' only gave her until Thursday to collect and wanted me to pay something that day. I told her I would be able to pay Friday. This morning, Friday, I woke to find that at XXXX she tried to run the card for {$270.00}. Not a huge amount but if they are doing this to other people it adds up. She also told me there was no way to pay other than making a payment over the phone. I just went on their website and made a payment using their online system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: First Recovery Solutions, Inc.
State: MD

Complaint narrative:
Caller stating co name as First Recovery called abd left msgs with my family member. I called the number back using case # XXXX provided by msg. Their number which did not state a company name XXXX. They said I had XXXX cases out on me, said i would be arrested at my job. They claim it was for an outstanding payday loan that I know nothing of. That asked me to verify my ss #. They claimed they wouls send the police to my jon. I asked for company unfo. They hung up on me. I called back for a fax number and was given XXXX. I said i wanted to send simething in wtiting to not call mt family or job to send info by mail. They hung up in me and continue to call.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: AZ

Complaint narrative:
I am being solicited for payment of a loan taken out online as of XXXX/XXXX/2011 per the Debt Collector First Recovery Remediation. I did not take any loans from online. I have requested information on said debt and they stated they have sent me information. I have not received any information on this. And, I continue to reiterate this is not my debt. I do not know what to do and they state they will take legal action.

Company response to consumer: Untimely response
Consumer complaint received 2015-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
I received a " Continuing Writ of Garnishment Against Salary or Wages after Judgment '' on XXXX/XXXX/15 from XXXX XXXX XXXX, XXXX. On XXXX/XXXX/15 I received notice from my employer that my wages would be garnished starting XXXX/XXXX/15!!!!!!!!!!!!!!!!!!!!!!!! Per the notice, I had 20 days to dispute this action ; it was 3 days!!!!!. I had no chance to dispute this before my money is being take from my paycheck. This attorney 's office has NOT provided any documentation proving that I owe XXXX XXXX or that I owe the amount mentioned. This garnishment is causing further financial hardship because I am now unable to pay my rent, electric, water or put gas in my car!!!! I can not afford to hire an attorney to file bankruptcy or fight this harassment. Do I need to quit my job to stop them from stealing my hard earned money. How is this legal or fair?

Company response to consumer: Untimely response
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMT Solutions, LLC.
State: TX

Complaint narrative:
PMT Solutions is an unethical, very unprofessional organization. I called to find out why they were sending me bills that were grossly inflated -with predatory feeds attached. Also, they said lost my letter to them asking them to send me a fair bill -minus the predatory fees. Further, I sent a {$15.00} money order and said apply this to any basic fees or charges that I may owe-but, again, my having been in the hospital with an overnight stay due to a XXXX-I was concerned with this bill and called to understand and resolve it as soon as I got out of the hospital and recovered. I asked why I had these excessive charges ; and, why am I still getting charges-even after I called to pay and resolve it and asked for line by line -item by item research. 

Worse, PMT lost the {$15.00} money order that I sent in good faith with the letter requesting the exorbatant fees be removed! They actually lost the money order -did not offer to research and follow-up and hung up on me 3 times when I attempted to call back to ask for a manager to assist with resolutions. I was sent back and forth between XXXX companies and finally I became aware that PMT solutions has the ability to remove the excessive and predatory fees so that I can pay the base charges-fair and square. They simply refuse to be fair or ethical. For example on a charge that is {$21.00} a {$35.00} fee was added. This was done repeatedly even for charges under $ 7- a {$35.00} fee was added. This is by far predatory and unethical. They are unprofessional, rude and it is impossible to get fair resolve. I am certain that other consumers are being treated the same or worse. Please firmly address and stop them/this.

Company response to consumer: Untimely response