vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Also improper contact and sharing of my information to an unauthorized person not on my account. False statement of what they are calling in reference to. I receive harassing phone calls constantly from Mariner Finance. Now there is a lady from the headquarter office name XXXX who 's calling me harrasing me about a payment i was told to make that i made to keep them from coming to seize my car. Two weeks later i get a threatening call yhat they are going to make decesion on XXXX/XXXX/2016 of what they are going to do saying that i did not make a payment that i did make two weeks ago. XXXX # is XXXX the local office # is XXXX where i also receive threatening and harassing calls from.When XXXX called on XXXX/XXXX/2016 my friend who had my phone answers and told her i was not available and she would take a message ... XXXX went n about the reason of her call and about a payment i made and so and on which should not have been discussed with this party regarding my account my friend told XXXX she has nothing to do with that she just can take a # XXXX went on still discussing the reason she was calling which was none of my riends business she also made the comment that it not that person she can relay the message of what she is calling about in such words. When i did try to call her she was yelling at me in the phone because i told her she was a liar. Therefore i hung up in her face being that im not a child and she will not yell at me. The people at the local branch have even went as far as calling me from a *private call* in reference to this matter.

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 2016-07-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I have contacted kia finance 5 times. I kid you not 5 times. every time they say my payment has been added to the end of my loan but I need to sign paperwork. It has supposedly been mailed twice and faxed twice. Still have not received it. I am about to take a hit on my credit report because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
My sister provided Hyundai Motor Finance my phone # while hers was not working. I received a call from their XXXX number and when advised my sister was not available and asked who was calling. Female declined to identify herself or her company. I advised that the cell phone being called belongs to me and they no longer have my permission to dial my number manually or via their automated dialer. Female then hung up on me. My sister took care of the past due payment ( was just an oversight ) and we assumed everything was good. payment rec by HMF on XXXX/XXXX/15. On XXXX/XXXX/15 I recevied another call from HMF. I had my sister call back and they advised her account current and no record of call. Advised could furnish proof of call and requested again that they no longer call me.Rep said nothing he can do. Sister requested supervisor who told her the only way they would guarantee no calls to my phone is if she revokes her permission for ANY phone contact. My sister said she still wants to be contacted, just not at my phone number. Supervisor said nothing he can do. Also said that there were no automated calls out and that the only way she would have been dialed after she revoked permission, would be a manual dial. I called back in and advised that it is my cell and I revoke authorization, that they absolutely were not to manually/auto call my number any further. Ultimately they were calling out to an unauthorized party about a current account ... manually. Intentional harrassment. I received another call today from the XXXX number and a 28 second long dead air voicemail. Sister called back in and of course they had no record of call and were unhelpful again. I called back in, they said i had to get in touch with consumer affair department and because I 'm not a customer, just an innocent third party that they are harrassing that I would have to communicate with them via mail. Finally agreed to send me over via phone so solution could be expedited, but they kept just transferring me back to customer service. Eventually male rep told me that there was nothing I could do about the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I received an unsolicited check in the mail from Mariner Finance LLC in the amount of {$1200.00}. The check stated by signing and cashing I would enter into installment loan with them. At the time I was consolidating debt and needed the money and the low monthly payment of XXXX enticed me. I deposited the check and made XXXX payments before deciding to pay in full. I sent several emails through their online portal asking for final balance and never heard back. They called me XXXX time before I paid off the loan, telling me I can have an additional funding, I advised not interested but after this call from my local XXXX XXXX branch, my preference is to receive communication in writing for financial matters pertaining to this loan so I will not call them or discuss over the phone. This is based on the strong urging from the caller to visit them to receive " more money. '' After this call I had a bad feeling about this loan. They have tried calling my desk phone at work but I will not answer since personal calls are not allowed and because I prefer in writing. My total payments were {$76.00} more than I borrowed and the final payment I sent was what appeared on my credit report as total now due ( this entry somehow has now disappeared from my credit report ). After it vanished from my report I figured it was paid in full only to receive another call to my work number this past Friday XX/XX/XXXX. I checked XXXX 's web portal this morning and it shows an open loan with a " maturity '' date of XX/XX/XXXX and my next payment due as {$60.00} with a future date of XX/XX/XXXX. I have not received any billing statements nor have I signed any documents other than the unsolicited check they sent me. I suspect they are withholding the total due and future dating a payment for some interest charges to accrue interest. My loan was open less than XXXX months and by my calculations ( based on future date and total payments ) my total interest paid for a 60 day loan of {$1200.00} would be {$460.00}. I have never received any acknowledgement for the XXXX emails I sent, I do not wish to speak to this company other than in writing and they have never sent me a single statement in the mail. An online search of complaints shows similar experiences with other clients. Attached is supporting documentation showing the payments made from my XXXX XXXX checking account and the deposit of the {$1200.00} check back in XXXX into my XXXX XXXX account. I do not have any other documents since none were ever provided by this business. 
I strongly believe they are comitting predatory lending and fraud based on my above experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XX/XX/XXXX we opened a Lease with XXXX DBA XXXX KIA XXXX , XXXX XXXX. The first person on the Lease was my wife XXXX who was n't driver ( she had a driver ID only ) of the car ; 2014 KIA Soul Plus XXXX. The driver of the vehicle was me ( her husband ) ; XXXX. I was paying the lease and insurance working in XXXX. 
After I did update my XXXX insurance policy to XXXX without changing registration from XXXX ( the insurance did n't tell me anything about it! ) we where told by KIA Finance that we have no choice, but return car to them ; effectively ending the lease! My pleading with them to continue the lease by me where not honored. On XX/XX/XXXX I was forced to return the car to KIA despite my good records of payments. By the way the original car dealer in XXXX, by the name XX/XX/XXXX dissapeared. Soon after we received from KIA Finance letter with a balance of {$3700.00} for account number XXXX for Kia Soul 4dr Wgn + At, VIN : XXXX. On my phone inquiry how they came out with the amount I was told that this was the difference between the sale price and the real value of the car. On my further questions how they did calculate that became clear to me that, this was the real reason why they refused the lease to continue since they could have control over the transaction to the point of guarantee to have it in black. Question is ; who was the lucky buyer in this transaction and did KIA have any incentives to take the real value for the car. 
The whole thing looks like rigged transaction at my expense from the beginning.

Company response to consumer: Closed
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I received a call that addressed me by first name and stated that she needed to verify information for an application that I had submitted which I thought was odd and addressed me by my first name and repeated my last XXXX of my social once she verified that she stated it was to collect information for a debt which she was not upfront and tell me that in the first place, then she proceeded to inform me that she was calling from Dynamic Recovery for a debt they had placed in her office XXXX/XXXX/2015, I asked her for information as to the account and the debt, her information and company information and she proceeded to tell me I was not cooperating with her. I reminded her the conversation was being recorded and she then placed me on hold and I was in silence for several minutes forcing me to hang up because she did not respond to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: NCS, Inc
State: MD

Complaint narrative:
I keep receiving calls from NCS Collections for an alleged payday loan that I do not owe. When I asked for the original creditor and documentation the caller refused to provide me with the request. I was then threatened with arrest and was told that I would be receiving a summons to appear in court. After conducting my own research it appears that this company has threatened consumers all across the country with these fraudulent payday loans and have violated the Fair Debit Collection Act on a daily basis.

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
Consumer complaint received 2015-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I have a loan from RISE credit. I have paid {$4600.00} in 10 months and they have only applied {$580.00} towards the principal balance so far. This feels like XXXX to me. Please help! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCS, Inc
State: TX

Complaint narrative:
I have attempted to contact National Credit Services , Inc. via email and phone in order to have an incorrect account on my credit removed. The account in question involves an eviction from XX/XX/XXXX which was paid off in XX/XX/XXXX directly to the property management company ( XXXX XXXX XXXX ). I have a Release of Judgement showing that the amount is paid in full but have not been able to reach anyone at National Credit Services , Inc .

Company response to consumer: Closed
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Trying to collect n a charged off account..i believe the statute of limitations has passed, never notified of a court date to apoear, threatening to garnish or levie wages and that no more court appearances are needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I was shocked to discover a collection account on my credit report from Stellar Recovery Inc in the amount of {$100.00}. The original creditor listed is XXXX, an internet service provider I had business with earlier in the year at a prior address. XXXX continued internet service past the date services where to discontinue do to me moving. Furthermore, they continued to bill me for this service without ever sending me a new invoice for the charges. I never received any written communication from either XXXX nor Stellar Recovery Inc. indicating I had this balance due. Today, XX/XX/XXXX, I called and spoke with XXXX XXXX at Stellar Recovery. Despite confirming they have my correct address, he advised that they are unable to provide me with any copies/proof that any dunning letter was ever sent to me informing me of these charges. This is unacceptable. A collection company can not report a collection to the credit reporting bureaus without first sending a dunning letter advising someone their is a claim against them. Furthermore, Stellar is refusing to acknowledge their mistake and remove this bogus collection account ( even when I offered to pay the full amount they claim I owe ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
Messerli and Kramer -XXXX, MN XXXX. 

This company sent a FAX to my work office with My name the last 4 digits of my SS #, asking for employment information from my employer. 

This FAX machine is a PUBLIC fax machine with multiple people being able to access this personal and confidential information. With bold lettering stating that it is debt collector and an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
XXXX had billed me incorrectly, and during the time we were trying to reconcile the account was sent to Stellar Recovery, Inc. I worked through the errors with XXXX and paid the outstanding balanced owed directly to XXXX, but Stellar tried to collect a debt that I did n't owe them and is now refusing to remove the credit attempt from my credit records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
XXXX got a loan for XXXX back in XXXX 2016 ... ..supposed to a six month or early pay " will send attachment '' ... .made payment every Bi Weekly ... ..at first I had no problems then notice then extend my payment schedule to 12 months without my knowledge ... ..I all ready gave {$1000.00} more than enough to pay back loan ... .they tell me its just the principal interest ... ..at almost 980 % interest rate ... .I cant afford it any more and payments have going up .... now effecting my car and rent other bills ... I have stop all communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
On XX/XX/XXXX my son bought a car from Honda, which I co-signed. His first payment was n't due till XX/XX/XXXX. XX/XX/XXXX thru XX/XX/XXXX his payments were on time. As of XX/XX/XXXX he started missing payments, NSF & late fees started being assessed. I did not find out about the NSF 's until XX/XX/XXXX. My son was feverishly trying to catch up. I took over the account in XX/XX/XXXX after having brought the account current with only {$100.00} late fee due as of XX/XX/XXXX ( per my calculations ). Per my calculations, the payment of {$500.00} made XX/XX/XXXX was an overpayment. Even if they would had taken the {$100.00} out of this payment I still would have had an overpayment of {$390.00}. Everytime I call Honda Customer Service the reps summarily state " there were NSF 's and late fees. '' No one seems to be able to go over the transaction history line by line to discover the error. I 'm a month ahead at this point. I need a competent person with accounting background to go over my transaction history line by line ( simple adding & subtracting ). 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Gerald E Moore & Associates, PC
State: CO

Complaint narrative:
This company did not accept forms of payment besides a debit or credit card. A relative had a debt that was collected through this company and in order to assist them in paying it off I made an arrangement with the company to contact me prior to running my credit card for any amounts due. The debt was not mine, however, an arrangement was made such that my relative would give me an amount of money to pay for them on their debt. The company will call me and ask the amount to run on my credit card. The representative took it upon herself to run my credit card without my permission nor approval for an amount on XXXX separate occasions. When confronted about running my credit card without my permission she then proceeded to be very unprofessional and rude when the mistake was made on her end. She told my relative that they needed to " just put the money in their account because she had already ran my credit card anyway. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have a random collect call collection on my account. there is no information anywhere on this and i dont accept collect calls. this is a random act of false information on credit reports trying to attempt collect a debt i do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
About five years ago I scheduled a dental appointment for a simple cleaning. The Dentist that provided the service for me requested that I take part in another procedure, I initially said no stating that I would n't have the funds to pay for it. He then went on to tell me that he does this all the time and submits it to the insurance company and they 'll pay for it. Being young and nieve at the time I believed this and asked him to double check and I would come back to start the process. He went on to tell me we should begin now and for me not to worry about it that the insurance would cover it. Long story short the insurance did not cover the procedure and I was stuck with an outrageous bill for over {$4000.00} dollars I was very upset when he told me he was sorry and their was nothing he can do. A couple of years go by and I get a call from an agency representing his company asking for payment I refused and denied the bill. After five years of this being on my credit report I come to find that the agency flags this account once again as a collection starting the aging process all over again. I do n't believe this is right and I do believe that this company needs to be confronted and this collection removed from my report.

Company response to consumer: Closed with explanation