vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
I am being HARASSED by Dynamic Recovery Solutions. On XX/XX/2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case number : XXXX ). In the complaint, I stated that Dynamic Recovery Solutions was in violation of the Fair Debt Collection Practices Act ( FDCPA ) ; namely, they failed to provide a written notice regarding an alleged debt. On XX/XX/2016 Dynamic Recovery Solutions responded ( via the CFPB ) to notify me that my relief would be the following " THERE WILL NO FURTHER CONTACT FROM DYNAMIC RECOVERY SOLUTIONS. '' However, not two months later, Dynamic Recovery Solutions has resumed calling me and leaving voicemail messages. I received the first call on XX/XX/2016 at XXXX CST from telephone number XXXX ; a voicemail was left. I received the second call on XX/XX/2016 at XXXX CST from telephone number XXXX. Another voicemail was left and stated : " Hi I am reaching out to you today from Dynamic Recovery Solutions, a debt collector. Please give me a call back when you receive this message. My number is XXXX. I would appreciate a callback today if possible. Again our toll free number is XXXX. I appreciate your cooperation. 

As you can see, Dynamic Recovery Solutions did not honor their word ; they are still contacting me. What is the point of having laws and this bureau if debt collectors, such as Dynamic Recovery Solutions, do what they want? I want all communication to cease and desist effective immediately or I will have to take more serious action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX They call repeatedly and say they have an important debt-related issue to discuss with me. I have no debt issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: NV

Complaint narrative:
XXXX Collection agency ( Dynamic Recovery Solutions ) has called me while I was at work, on my work phone, which I understand is a violation of the FDCRA. This is very inconvenient and inappropriate, and my employer does not allow such personal calls. They are attempting to collect on a debt that has passed the statute of limitations in both my state and the state that I previously lived in. They are falsely claiming that I made a payment in 2010 in order to re-age my account, which I understand is also a violation. There have been no payments on this account ; enough time has passed to allow this account to drop off my credit report. It is not currently being reported on my credit reports to my knowledge, but I fear that they will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
My husband and I obtained a loan from Mariner Finance in XX/XX/XXXX. We used the title of our XXXX Mercedes Benz as collateral. The loan was paid off in full on XXXX/XXXX/2015, by a check that was mailed. The check cleared on XX/XX/XXXX. When we contacted Mariner to ask about the return of our original car title we were told by the branch manager that the title would be mailed. We waited a week before calling back. At this time we were told the title was lost by them and they would get us a replacement. 

We have not received our title nor did we received a paid in full receipt from Mariner. I also spoke with the supervisor of the branch manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIGY USA CORP.
State: AZ

Complaint narrative:
After reviewing my credit report, I came to realize that a debt was being reported twice by XXXX different companies, XXXX and Mainstreet Acquisitions. Original creditor is XXXX and that account 's date of first delinquency is XX/XX/XXXX. Mainstreet is not accurately reporting the date of first delinquency on my credit report and has the date opened as XX/XX/XXXX but is showing the collection as being reported XX/XX/XXXX. 

In conjunction with that, Mainstreet is reporting that my terms with them is " Terms : XXXX months '' on a paid, closed account despite me not having any signed contractual repayment terms with this company. This violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my credit reports. 

On my XXXX report, this collection is being reported as open. With respect to the " Type Of Account : Open Account '' notation on my XXXX report : I do not have any known type of agreement or contract in writing or otherwise with Mainstreet Acquisitions that creates or procures any type of " Open Account ''. A revolving line of credit is known as an " Open-ended account where there is a possibility on continuing transactions '', and being that this is a collection account, there can be no " open-ended '' account terms. Mainstreet Acquisitions violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Type Of Account : Open Account '' on my XXXX credit report. 

Mainstreet Acquisitions violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Type Of Account : Open Account '' on my XXXX credit report. 

I sent a letter to Mainstreet Acquisitions on XX/XX/XXXX requesting that the paid collection be removed from my credit reports with XXXX, XXXX, and XXXX, but have never received a reply despite including my address, phone number, and email address. 
Also, I recently changed my name to XXXX XXXX after getting married but my credit reports with the incorrect information will show XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
My Husband and I have entered into a contract to sell our home. We accepted an offer and relied on the information that the party was prequalified to purchase our home. The mortgage broker for the buyer did not perform due diligence and verify that they qualified for the loan prior to closing escrow. The day escrow was to close they found various red flags and now we stand to loose out on our deposit on the house we are trying to purchase. There must be remedies for this in regards to companies that prey on people and do not follow through.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I keep getting automated calls that they will contact the Attorney Generals office and file a warrant on me. They have contacted family out of state saying I have a legal matter to take care. When talking to a person on the phone I requested verification of debt and I stated I was not giving my credit card information to a stranger over the phone, she then told me she could not help me and legal action would be taken. I hung up the phone and she called back seven more times in a row after I requested to not be contacted again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In 2005, I went to XXXX XXXX XXXX. They directed me to Bank One JP Morgan Chase for private student loans. JP Morgan Chase approved, over the course of three years, XXXX {$30000.00} loans for a total of {$90000.00} to a borrower with stated income of {$24000.00} per year with a cosigner who also made {$24000.00} per year. The monthly payments for these loans is {$410.00} each, for a total of {$1200.00} per month. My income, after taxes, was around XXXX per month. The debt to income ratio would have been 77 % not including paying for a roof over my head and other necessities. In making a decision for approving a loan, the lender can not assume any other factor other than the stated income of the borrowers. XXXX XXXX XXXX cancelled my program before I could graduate. As a result I, of course, defaulted on the loans. They have been turned over to XXXX XXXX XXXX, a debt collection agency, that took me to court without informing me and got a default judgment in XXXX County, WA for a debt now for over {$150000.00}. I have been terrorized by those debt collectors for ten years. I literally see a psychiatrist for stress and anxiety due to this situation and I can direct you to his contact information if you require proof of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vision Financial Corp.
State: OR

Complaint narrative:
Vision Financial keeps calling me from different XXXX Oregon phone numbers and the last one came on XXXX/XXXX/16 and left a message on my cell phone saying to call the company in regards to a debt. Did not say what for or even an account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had two cards with CapitalOne. My basis for applying for these cards were their reasonable monthly payments. Capitalone has a credit card calculator that you can use to calculate length of time to pay down a card, using the payments. This is what I used : it can be found XXXX also of the understanding that CapitalOne charged either XXXX dollars minimum payment, or 1 percent of the total balance each month. What Capitalone does not make readily transparent is the " great than '' clause they have for cardmembers. For example, I had a card with a {$2900.00} balance. The first month, the payment was XXXX ... the next month it nearly tripled to {$84.00}, even though the card 's balance only increased by XXXX to XXXX. I spoke online with an account specialist named " XXXX '' who could not determine exactly where the numbers were coming from, so she transferred me to her " supervisor '' by the name of XXXX who informed me that the payment was the " greater of the two '' ... 1 percent of your balance PLUS interest PLUS fees or XXXX. I have never paid such a high monthly payment on a credit with only a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
XXXX Mortgage 's Good Faith Estimate showed the down payment as 20 %. The day before close of escrow when XXXX XXXX XXXX gave me the final paperwork and it showed the down payment amount was increased by 31 %. Also, the company was hard to deal with because during the last few weeks of escrow XXXX XXXX Mortgage changed or added new loan requirements once or twice a week.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CREDIGY USA CORP.
State: PA

Complaint narrative:
Credigy Receivables, inc and XXXX XXXX esquire have filed a lawsuit against me for debt from 1998. First, the status of limitations has passed, second they filed a lawsuit and advised they served me with an affidavit, but I never received nor did I sign anything stating I received an affidavit. So I was never aware that I needed to appear in court. I have contacted the creditor ( credigy receivables, inc XXXX for copies of all debt and payments and affidavits they claim I 've received but I have still not received anything. They originally filed in XXXX XXXX and then transferred the case to XXXX XXXX ( case # XXXX XXXX, they won a summary judgment and had all my bank accounts frozen. When I first received the letter of the summary judgment I contacted them to find out what this was in reference to and if I could speak to the attorney that submitted lawsuit ( Credigy and attorney XXXX XXXX can be reached at the same number, attorney is never available only collection dept. I did ask the collections person what happens now, all they could tell me was that now I need to wait and see what the courts say, when they had already requested that the court freeze all my bank accounts. I am unable to pay my rent, bills ( ie : credit cards ) or buy food, I have been borrowing money that I 'll probably not be able to pay back if this continues. How can I dispute something if I never knew about it? I filed for emergency motion to open judgment or to unfreeze my account to at least pay my rent and cc bill, the judge denied this and gave Credigy 20 days to respond to my request. 
I have contacted a few attorneys and almost all of them are in complete disbelief that the courts allowed them to do this. Could someone please help as I am starting to incur more debt trying to fight this lawsuit, also credigy receivables keeps increasing the amount owed to them each time XXXX because my bank received a court order to provide credigy with how much was in my account. 
This debt has n't been on my credit report and if they win this judgment this will end up on my credit report thereby ruining my credit even more. I have never received anything from this company, but it appears they purchased a debt that was discharged. Any help would be greatly appreciated! I 'll also try to reach out to some news channels to see if they expose this company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: AFNI INC.
State: KY

Complaint narrative:
There is an account through AFNI which is unknown to me, requested validation and nothing has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Resolution, Incorporated
State: NY

Complaint narrative:
In the XX/XX/XXXX, I received a phone call from American Credit Resolution stating that I owed them money for a XXXX membership. Three of my family members received a call as well from a rep that was looking for me. I told the rep that I do not want any of my family members contacted and that I do not owe XXXX any money. I was a member of XXXX around XXXX, but not XXXX. I ignored the two other contact attempts from ACR as they did not provide me proof that I owed any money. I did not hear from them again until XXXX. 
On Friday, XXXX XXXX I recieved a call from an unknown number around XXXX. My father told me he also just received a call from an unknown number and the person was looking for me. On the voicemail a woman left me, she stated- this is a reminder that if I did n't call her back regarding a pending claim that she would be out to my home and place of employment to serve me papers. I was not given any prior warning of anyone serving me papers. I called the number back that she left and spoke to a XXXX XXXX. He also told me that I owe XXXX for debt from XXXX and that if I didnt set up payment arrangements with him, they will be serving me papers and taking me to court where I would have to pay over {$2000.00} for legal fees and the debt. I told them again I do not want my family members contacted and that I do not owe this debt. I also asked for proof or documentation that I owed this money. He threatened to sue me again, so I gave him a credit card number that I knew wouldnt go through because I was scared and wanted to talk to a lawyer. 
I recieved a credit card auth form to sign and send back, and a payment arrangement form from a XXXX XXXX at XXXXXXXXXXXX. I did not sign these forms or send them back. 
I received another call from XXXX XXXX on Friday XXXX XXXX from a number- XXXX, different from the number he gave me to call him-XXXX, also different from the phone number on the letter they emailed me- XXXX. He said the payment denied and that I needed to call him back with other payment arrangements or XXXX XXXX would be out to my home that day with a legal summons to appear in court. I did not call back, and she did not go to my home. 
I received yet another call from a XXXX XXXX on XXXX XXXX where she stated that if I didnt call back, she would be out to my home or work between XXXX to serve me papers. She gave a case number of XXXX, not sure what that case number is for. I did not return her call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
EOS CCA did not verify debt and billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
On XXXX/XXXX/15 I requested Business & Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company response to consumer: Closed
Consumer complaint received 2017-03-22 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: AFNI INC.
State: IL

Complaint narrative:
This company, AFNI , Inc., has added a collection to my credit report. I have disputed this account with this company in the past after they added this identical account to my credit report a few years ago. I have explained that this account was a result of identity theft, filed a claim of identity theft with the FTC in the past and added an alert to my social security number after this incident occurred. The account was then removed but the creditor has again added it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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: EOS Holdings, Inc.
State: FL

Complaint narrative:
XXXX # XXXX XXXX XXXX XXXX, XXXX, MA XXXX has placed a collection on my credit reports. This is for an XXXX account that I did not authorize. They have never been able to show me where I signed for this account. Please have them remove this negative information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was defrauded by two companies XXXX-which is under suit- and XXXX dba XXXX dba XXXX. XXXX stole money to pay XXXX, which is in settlement for chXXXX and disputed since XXXX. I had an attorney on retainer. They wardialed me multiple times. This I can prove. XXXX took advantage, scammed me into a bait and switch, slapped digital banners in my face, sent my internet willy nilly an infected four machines, which I had to disinfect. REIGONS, the bank in question is refusing to settle any claim whatsoever. XXXX is doing same on other matters, I am more concerned with my bank and how banks are getting away with more and more consumer fraud and deciet. VISA and MC, even XXXX have policies which these corporations DO NOT ABIDE BY.

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 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I have n't received any letter regarding my payment and directly sent to the collections.I noticed after almost a year on my credit report that I have a collections and called Mountain landing collections and paid the amount which was said that owed.Now after almost a year later I see still XXXX $ on XXXX saying that I owe.

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 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC.
State: MO

Complaint narrative:
I received a letter from XXXX dated XX/XX/2017 that Account from XXXX XXXX has been removed from all national credit bureaus. I then received a collection notice from Afni dated XX/XX/2017 in reference to the same XXXX account XXXX which has now been added to my credit report like it 's a new debt which is not legal. It is affecting my credit once again after it was removed prior to Afni purchasing it the same month XXXX sent my letter of removal. How can Afni send me a collection letter dated XX/XX/2017 and XXXX send me a removal letter dated XX/XX/2017. The dates is not adding up and I want Afni to remove this off my credit report!

Company response to consumer: Closed with explanation