vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CFM Group LLC
State: VA

Complaint narrative:
On XX/XX/2016 I was contacted by - - of CFM Group of - GA regarding a balance of {$610.00} debt from - Global payments - about a credit card Merchand that I owe. with a business that is now closed., with XXXX - never contacted me in regards to of closing my account waited a couple of years supposed debt to CFM claiming I owe. One minutes because I closes my account one minute that I suppose return credit card machine which I do n't have Not once did I receive a notification by mail ... I call payanywhere they told me what I own is XXXX I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Guild Holdings Company
State: CA

Complaint narrative:
XXXX, I found a home and wanted a home loan. Knowing I had excellent credit I came to find out my mortgage company and non payment on the XXXX loan of the mortgage for XX/XX/XXXX and XX/XX/XXXX. I called Guild Mortgage to see what was going on. It was a mistake on their behalf. I waited for FICO correction letters and they were not sent. I called again, was promised they would fix and send. I never got copies. In XX/XX/XXXX I found some few homes. So, I went to get a pre-approval again and was denied, again, for the same thing, but for XX/XX/XXXX. I called Guild it was a mistake they would fix it. I ended up trying to work with one of their loan person since they knew my obstacles and they knew it was a company mistake. 
They tried by sending me loan papers to sign without explain anything. They said I had to sign papers in order to get things started. It is not the first property I buy, so I know papers are never sign before starting anything. Here I am in XX/XX/XXXX still getting calls every month about me missing payments and every months it 's a mistake on their part and they will fix my FICO by sending a correction letters, which I have not seen, except for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
I paid my XXXX bills always on time and closed the account in good standings and even verified that with a XXXX rep. I was sent to some collections agency and never told why. I have my last bill and even proved to them I do not owe this debt. They have been unresponsive to both myself and the lawyers I hired. They will not stop reporting this and it 's hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I 've had a vhicule loan for about XXXXyrs.or more & was keeping it up financially untill I was injured about XXXX diffrent times, & would refinance the loan to stay in good stanging untill this last time I was in very good standing, & XXXX of the loan officer kelp requesting me to refinance just to have time off from making a paymt.for XXXX months. & XXXX. So I did, & sign all the paper work that he ask me to sign, & XXXX dayslater he call me & told me that I needed to come & sign over the title because he forgot to give it to XXXX signed, but I just did not have time to go back to their office at that time, & he would call me about XXXX more times requesting for me to come & right as I thought about taking time to go there, he called again & I spoke to XXXX their reprsentative to let her know what was happening & that their reprsentative is acting like I did something wrong, but he is the one who forgot to give me the papers to sign, so he should come to me, or send the paper for me to sign..the next month comes for me to make paymt. & another reprsentative asking for paymt., but I had up to XXXX days to make it ... so I call their big office & wanted to make a paymt Through them as i had done before but they referred me to a online paymt., so that is what i did. 
XXXX of the female reprsentative mentioned that they have a XXXX lien & another company has a second lien & that is the reason that i am understanding why they are harrassing me to sign title paper. Making it clear that they do not want the second lien holder to have an oppotunitive to get a XXXX. lein on the title.. 
I told them that I am going to make this complaint because they would not allow me to make my payment on time to XXXX of their reprsentative who had call me that morning & stated that he would be there untill closing if I wanted to pay & when I called he would not come to the phone. I fact no one came which would make my payment late & then they tried to get me to refinance the loan that I just recently refinanced & I was caught up on my payments ... Mostly everything I have mention was / is recorded on my android ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
My husband and I were approved for a car loan from Lendmark Financial. We signed the loan documents and did what we were instructed to do, but the title was misplaced and we had to get another copy from the dealer. The dealer contacted the previous owner and it took the owner some time to give the dealer a copy. Once the dealer received the copy we processed the title immediately, but Lendmark Financial had to update their information with the Virginia DMV in order to get the title. Lendmark claimed they could n't get in touch with the DMV and did not know what to do. I got in touch with the DMV and found out what to do, sent the form to Lendmark and processed a title copy for the third time. I did not miss a payment and I kept open communication through out the entire process. Lendmark Financial placed a judgment on my husband 's and my credit report. When I called to see if the title was received they confirmed that they had it. I then asked if the judgment could be removed since we made sure the company received the title. The branch manager ( XXXX ) was very rude and stated that the judgment would not be removed until the loan was paid in full. I replied that there were no payments missed and reminded her that I made sure they received the title. I also told her that I was not going to pay until they removed the judgment. However, I am still current on the payments and she filed a motion to garnish our wages, even though we have not missed a payment. I have proof from my checking account and my credit report shows on time payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
An agency known as Midwest Recovery Systems contacted me on XXXX/XXXX/16 via the phone stating I was about to be served with legal papers. Since I have heard this scam before, I yelled and them and hung up. I found an entry on my XXXX credit report today that dropped my credit score by XXXX points which alleges I owe {$680.00} to a company known as " XXXX XXXX '' which I have never heard of and have never done business with. I never received any written communication from this company nor anything stating I have a right to request verification and dispute this so-called " debt '' as per the Fair Debt and Collection Act. They have harassed me and placed a mark against my credit for a matter I know nothing of which appears to be downright fraudulent. I have requested an investigation with XXXX and also to never be contacted again by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Leading Edge Recovery Solutions, LLC
State: CA

Complaint narrative:
I am getting called daily from XXXX. Caller ID identifies them as Leading Edge Recovery. I have never heard of them and a quick google search identifies them as a shady debt collection agency also going by the names of XXXX XXXX or XXXX XXXX & XXXX. 

I have answer this call several times to ask them to stop calling, but whenever I answer there is no one on the line, just silence

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have asked XXXX for an invoice several times now and the company says they can not provide one to me. The debit is from 2013 I do not remember having an account with XXXX during that time. I know during that time someone stole my identity and I did place and social security alert and froze my accounts and changed bank accounts. Perhaps this was the left over result of that, I do not know if I do owe then I need to know why I owe {$280.00}, if I for some reason I do owe.

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 2016-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have been on XXXX since XXXX. Every year the date by which I must renew my application for this payment program changes. It 's been moved from XXXX XXXX, XXXX, to XXXX XXXX, XXXX, to XXXX XXXX, XXXX. This last date is particularly alarming because in order to complete the reapplication requires information from a completed tax return. However, the application renewal date is PRIOR to the IRS tax return filing date! Further, the notice I received this year did not provide a " reapply by date, '' but rather stated, " You must complete your application within 10 days of XXXX XXXX. '' Well, is this business days, calendar days, what? Why would n't they simply provide a specific date? And, why is it not the SAME RENEWAL date each year? It seems that the constantly changing renewal date -- which by the way, bears no relation to the date of my original grant of XXXX in XXXX, thereby often requiring that I renew in LESS than 12 months -- is a blatant attempt to catch borrowers by surprise such that they miss the renewal date. By missing their renewal date, Navient may force these borrowers to enter expensive rehabilitation programs before being allowed back onto the XXXX program, plus they will miss they credit for payments made outside the XXXX program! Renewal should be required not more than 30 days before the end of any 12-month payment program, and should NEVER be permitted to be required PRIOR to the standard XXXX XXXX deadline for filing tax returns! ( I attended XXXX, graduating in XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
I was looking on my credit report and found out that a collection agency, Midwest recovery LLc put a collection on my credit report. I have no knowledge of this account and of the creditor XXXX. I would like this collection removed off of my credit report. I have received no information, documents, etc in regards to this loan. This I know is against the FDCPA and recording false infromation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capital Management Services, LP
State: FL

Complaint narrative:
Debt Collector is trying to collect an account that is not mine

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 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
Bank XXXX XXXX was charging us {$49.00} late fee then XX/XX/XXXX drop our late fee to $ XXXX.PennyMac bought our loan in XX/XX/XXXX.We contacted them because they sent us a payment showing we will be charge {$49.00} late fee we send them paper work to show that we have been charge any late fee of that amount since XX/XX/XXXX.But they are saying it will be {$49.00} late fee no matter what.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ACS Education Services
State: IL

Complaint narrative:
I sent a letter to ACS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ACS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ACS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delray Capital, LLC
State: CA

Complaint narrative:
This company keeps calling advising if I do not call them today they will start legal action.. This company also called about 6 months ago advising they had filed legal action and we 're looking for an address to serve me and if I did not provide XXXX they would contact my employer. I saved. These messages. 

I have asked them for verification of the debt but they refuse to provide it to me. And advise they will proceed. I have checked the county records and there have been no filings against me in small or municipal court. Any debt owed exceeds 4 years and the status of limitations is XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I received a phone call from gulf coast collection agency about a debt they said I owed. I said that I was the person that they were looking for and asked what the debt was about. he asked for personal information which I would n't provide unless he told me what the debt was and told him again that I was the person and he called me and without him verifying information I could n't give him any personal information at which time he said unless I gave him personal information he would hang up which he did and then posted negative information on my credit report. I want the negative information removed from all reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: FL

Complaint narrative:
I took out a Federal Student Loan when I was in college ( XXXX ). The total amount of the loan was for {$16000.00}. Since XXXX, I have paid them {$9100.00}. My current outstanding balance is {$16000.00} and the " payoff '' balance is {$16000.00}. So after paying over {$9000.00}, I have only lowered the balance by about {$900.00}. 

I could n't figure out how this was possible, until I did some research about this company. Apparently, they reduce the amount of your payment that goes towards principal based on what day of the month you pay ( if you pay on the XXXX, a higher percentage goes towards principal than if you pay on the XXXX ). I would have happily set up an auto-pay for the XXXX of every month, however this company does not give you an option for auto-pay. This was never explained to me, and apparently was n't explained to thousands of other students that have written complaints about this company online. Several lawsuits have been attempted towards this company, but they have been able to escape them due to their arbitration clause. This company has an F rating on the XXXX website and is not accredited ( XXXX ). This company is intentionally deceptive, does not explain that your payment 's principal/interest varies throughout the month, does not allow you to set up auto-pay, and intentionally delays pending payments to prevent you from paying off your principal, and has thousands of complaints. 

It is extremely upsetting that the Federal Government would sell my loan to such an awful company. I would like to figure out how to either file an arbitration suit against this company, or have my outstanding balance reduced to the fair amount. 

Please let me know if you can assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Savit Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: CT

Complaint narrative:
XXXX was paid off last XXXX 2014, no bills OR notices have been received at this address. NOW 2 months ago we get calls at ALL hours of the day from multiple numbers, PLUS my married sister got them at her home., I got them at work.I have called them repeatedly and told them XXXX said is WAS THEIR error and that I owed nothing. Still calls and letters, first demanding {$6000.00} plus, then 3 payments or {$2000.00} plus now it 's {$2400.00} to settle debt that I do NOT owe. I have told them REPEATEDLY to straighten it out, THEY ARE RUDE AND OBNOXIOUS AND refuse TO LISTEN all they say is send the money. I have asked them to show me a bill from XXXX and all the sent was statement saying I owe {$6000.00} plus but NO idea where they got that figure. I have received NO BILL from XXXX for over a year about anything.

Company response to consumer: Closed
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime
State: GA

Complaint narrative:
Purchased a vehicle from Drive Time 2 years ago. I was told that they would report to the credit bureau, but they are not. Purposely try to make my payments on time, to help my credit, but they refuse to report while it is a positive credit. I do n't want to stop paying the loan, because that is when they will report the negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Receivables Network
State: GA

Complaint narrative:
Used foul, and obscene language

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Debt Collection company continues to call my XXXX daughters cell phone to attempt to collect a debt for another person. I have contacted the company XXXX different times, and XXXX of those times they have said that the number has been removed from their system, and is not attached to the account they 're trying to collect on, but the automated calls continue. In talking to the representative over the phone, they simply state that the number has been removed and that it will take XXXX hours to remove the number from the automated system. This has been the response each of the last XXXX times I have called, which covers a XXXX day period, so that is not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Creditor sold loan for more than I owed and now they are constantly harassing me at work and home even after I ask them to stop calling and simply mail me information. 

XXXX x XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
initially filed complaint # XXXX indicating that this company will not provide any information, help me verify the debt, or remove my cell phone number from their dialer without requiring me to provide personal identifying information. 

CFPB forwarded the complaint to the said company. 

Said company then responded that they could n't deal with the CFPB unless I completed a HIPAA release providing them with even more personally identifying information including SSN, DOB, and permission to share detailed medical information. This is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: RI

Complaint narrative:
I am a customer of Rushcard. On XXXX/XXXX/15 my employer direct deposited {$400.00}, however, on XXXX/XXXX/15 there was a deposit reversal done by this company not my employer. I simply want my money back. It is mid XXXX and I still cant get through to customer service and I have no idea how to get information on my funds.

Company response to consumer: Closed with monetary relief