vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I have repeatedly told this debt collector that  they may no t call me at my place of employment. I told them they can continue to call my cell phone or contact me by mail regarding the debt. But they continue to call my place of employment. When I have spoken to them on the phone they are very rude and will not acknowledge that I have told them to stop calling me at work.     Debt collector : (  XXXX  )  XXXX  Law Office of D  Scott Carruthers   XXXX   XXXX   XXXX  #  XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Received  XXXX  calls from  XXXX .  XXXX  Messages were left from " the   XXXX   XXXX  ,   XXXX   XXXX    from   XXXX   XXXX   XXXX    ''. They were attempting to collect a payment of {$760.00}. The female   (   no name ) that I spoke with said that  Insight Capital LLC  was about to sue me due to an unpaid old debt. She could not give me a specific date that the debt was incurred. When I requested the name of the company, they said  Insight Capital LLC . When I asked for a specific commercial name  (  brand name ) used for where the debt was incurred, they rattled off a list of multiple pay-day-loan company names. When I requested written notification, they said that notification was already sent to  a street  name ( no full address ) that I have not lived in since   XXXX  . They said they also attempted to contact me via an email address I have not used is more than  XXXX  years. She " spoke '' with a lawyer  XXXX  times at offered an immediate pay off of {$500.00}. I said I would need to call back next week, then said I could not end the call otherwise the claim would be submitted to the court (    XXXX   XXXX   XXXX  /No s pecific court house ). During the call I looked up the company name "  Insight Capital LLC  '' and saw that there was debt scam information tied to the name. I attempted to end the call and she tried to convince me to send a small amount of the payment {$100.00} and then I could pay the rest next week.   When I refused, she warned me that I would be served legal notification by police officers soon. I am concerned because I confirmed by DOB and last  XXXX  of my social with her. I am concerned that an unverified debt will be added to my credit report as other people who complained said has happened to 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 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
They call from  one spec ific number, and I do n't answer, Seconds or minutes later they call again using a different phone number, but my call ID says its the same company. I do n't have any debts in collections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EZCORP, INC.
State: CO

Complaint narrative:
on  XXXX / XXXX /   2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt being turned over to collections before. I Was home all day the next day and no one showed up. Call ed my county clerk and  no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX /   2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX / 2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017   XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX

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 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Had my card declined, calle d Barclays and was told my account was closed and needed to wait for the letter that was sent out with explanation. Well the letter came a few days later stating the reason as negative public record identified. Called Barclays  again and was told that was all they could not elaborate and that it was company policy! I told them that I ca n't find any negative public record, so where and how did they. That told me to write the office of the president! Would n't give me an email address, found email address on company site!, told me to write a letter, gave me address! So sneaky!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: KS

Complaint narrative:
This company is a collection company working for  XXXX   XXXX . There have been several other companies hired by  XXXX   XXXX  and I have had to go through this.  XXXX   XXXX  hired an independent  contractor  to install a  XXXX   XXXX  system in my residence   in 2012. The representative vandalized my h
ouse. He placed the dish on the roof of which he damaged and was instructed not to. He did a horrible job of stapling cable across my house, of which he was instructed not to do. He made 3 holes through the exterior of my house instead of using the exist  ing one. He threw my storm door open in the wind, of which ripped it off.
I have been through this numerous times with different collection companies. I do not ow  e them anything because this was never made right with me. I do not owe this company to vandalize my residence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On  XXXX   XXXX ,  XXXX ,  Capital One  assessed an annual fee of  XXXX  dollars on  my Capital One s mall business credit card. This fee is in return for a benefit of  two  percent cashback on purchases. This annual fee was to pay for this benefit the period of  XXXX   XXXX  through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX ,  Capital One offe red me a new, different product for the same account  - 1.5 percent cashback with no annual fee. I accepted the product, which they described as an " upgrad e. '' However,  Capital One  refused to refund the annual fee that I had already been charged, or a pro-rated amount thereof, seeing as how I would no longer be receiving the benefit of  a two perce nt rate of cashback.     Therefore, the promotion that was presented as an upgrade actually is not.     This refusal was made by  XXXX , who I was referred to by the corporate office.     I then made the same request to  XXXX , a senior acct. supervisor, who I was transferred to by the disputes department when I attempted to dispute the fee.      XXXX  said she agreed that I should receive the fee refunded but said she had no option to issue it, saying the refund could only be issued if there was an " offer '' available. She said she would escalate my request, but as of today I have not received any call back or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LPSG
State: CO

Complaint narrative:
My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!   LPSG the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my LPSG. They kept running me in circles ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Lincoln Financial Services
State: CA

Complaint narrative:
I gave  XXXX  cash and then I traded in my car so total of  XXXX  to purchase me a vehical but apparently the vehicle broke down with  in 2 we eks on driving the SUV I went up there to the car place were I purchase it from which is the city of  XXXX  California talking to the lady who said I was APPROVE but I still had to put down a payment which was th  XXXX  so she was n't trying to help me than she said call the place who approve my loan which was  Lincoln finance  company in  XXXX   XXXX  California I spoke to  XXXX  which he requested me yo send proof that the car was messed up and how much he will see if he can help me well 1 month go by than mon th 2  came and he told me there is nothing he could do about while after a long wait in the mean time I had no money back are a vehicle for me and my  XXXX  children they knew my situation but apparently did n't care long story short he do n't work for the company no more wow such a mind blower so I go back to the dealer because everyone was giving me a run around from the dealer to the fiance company the lady at dealer said she will only give me  XXXX  back but not cash so I told her no I do n't want another vehicle from you guys I need all my money she said no I will give you another vehicle her name is  XXXX  well she was n't trying to work with me my children was missing school due to the problem so I filed a complaint still no results so I feel this should be removed from my credit report as soon as possible now this whole situation was unfair to me and my children for them ripping me off but yet still sending me letter by mail I will not pay them anything at all because it was there fought and I gave them the vehicle back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I got behind due to an unfortunate unlawful incarceration which I 'm trying to recover from and i explained the situation to them and they were very willing at the time to work with me they stated they wanted  XXXX  payments right away I sent them  XXXX  cashiers checks on  XXXX  they sent a statement in  XXXX  and the payments were not reflected on the statement and when I called the stated they never received them so i sent them confirmation and never heard anything back from them then on  XXXX  I received the cashiers checks back and they were stamped with they deposit info so they held them a month stated they never got them then sent them back asking for  XXXX  they returned almost  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority
State: MD

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Maryland  XXXX  Email :  XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX ,   XXXX    XXXX  : MEFA Application  XXXX  ; Account #  XXXX  Account #  XXXX  Account #  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX , MA  XXXX  Dear  XXXX   XXXX , My name is  XXXX   XXXX   XXXX . I am working on my   XXXX   XXXX   XXXX   at the University  XXXX    XXXX   and all I am trying to do is combine my  3 MEFA loans into one  to reduce my monthly payment.   The question I am trying to get answered is and it isnt disclosed as an underwriting criteria anywhere. Can the  3 l oans be combined into a variable rate to reduce my monthly payment? The   3 loans I want to consolidate are existing MEFA loans. I have been through the website and loan documentation disclosures 3 separate times and nowhere is it disclosed that the loans have to be in repayment for 12 months.
When I go back to the Loan Application and Solicitation Disclosure the eligibility criteria states and I quote Must be currently making payments on all student loan debt to be refinanced. It doesnt state it must be in repayment for one year  . As a matter of fact I had called Customer Service before I applied and was told that my loans had to be in repayment and current for at least 90 days.   Please also keep in mind, I have already paid one loan down by  XXXX , my loans are current, my  credit score  is good, I dont understand the delays.    XXXX   XXXX  has stated that I should withdraw my application. I do not wish to withdraw the application, and if  MEFA  is going to turn down the loan for this reason I have requested they put it in writing which I can then take and file a formal complaint with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , The Massachusetts Office of the Inspector General,  State  and Federal Banking Regulators and the Department of Education for deceptive, misleading, and predatory lending practices.   The bottom line is I believe I am being discriminated against because I am a  XXXX  borrower and my guarantor is my  XXXX   XXXX   XXXX   XXXX  grandmother. The loan officer probably forgot to mention thats the real reason for jerking me around.     I am formally requesting an answer in writing to my loan application so I can escalate this issue accordingly. I thank you in advance for your update to my application.       Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clear Recovery, Inc.
State: VA

Complaint narrative:
I filed and completed a chapter  XXXX  bankruptcy and liste d Merchant Credit Adjusters Inc. as a creditor. Merchant Credit failed make claim during the bankruptc y.     Once the creditors were notified that the bankruptcy wa s discharged Merchant Creditors files  a claim of garnishment, violating my rights under the bankruptcy laws. This is not a collectable debt.     Bankruptcy Case No :  XXXX  Merchant Credit Adjusters Lawsuit {$510.00} Case  XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A women named  XXXX   XXXX  has contacted me numerous times from  XXXX   XXXX   XXXX  phone number  XXXX   XXXX  EXT  XXXX  stating i owe money to a credit card company and she has threaten to sue me. The credit card company themselves have no record of the debt. She also has a women named  XXXX  calling me stating she is a processor out of  XXXX   county  justice civil court and she needs to serve me papers.When i contact the court they have no record of any cases in my name.They have stolen my identity and are trying to get money from me. This is all fraudulent and i have even blocked  XXXX   XXXX   XXXX  number and she still finds a way to call me. This has been going on f or one week  now. Their Address is  XXXX .  XXXX   XXXX   XXXX , NY  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACS Education Services
State: MA

Complaint narrative:
Re : ASC/ XXXX  Educational fin ance loan Opened on  XXXX   XXXX ,  2010  Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I am trying to make my  XXXX  payment but Freedom Mortgage is refusing to apply the late Fee 's I have paid correctly, they are holding the money as stated by them. I have the Money for  XXXX  and  XXXX  but I refuse to pay the ext ra 5 late paym ent 's when I have already done so, they refuse to apply to my account and are trying to extort an extra  XXXX  dollar 's that I should n't have to pay. Every time I call them they make up a different story as to why they refuse to apply the late payment 's, I was current as of   XXXX   17  and they said they would apply the late payments once I was current which is a lie sense I was current on  XXXX 17. They keep making a reference to a fee that they say was wave in  XXXX  which is also a lie as I made a deal with their customer service if I post dated a payment they would charge me a  XXXX  dollar Fee instead of a  XXXX  late charge as stated by their customer service rep. When I asked them to give me the recording of the call where I agreed to pay the  XXXX  Charge instead of the late fee they refused to get me the call. Freedom Mortgage is basically trying to force me out of my loan and not except the correct payments. I believe they make up policy 's when ever they feel like it, why was n't the late Fee 's applied when the loan was current on   XXXX  17. They should be investigate for fraudulently keeping the late fee 's and not applying them correctly it 's a scam to get extra out of people they are illegally holding money to force my loan into default, when I am willing to make the  XXXX  and payment with out the extra late fee's.Customer service is just rude and has no desire to find any kind of resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I made   a deposit with Citi bank to open an account. I called the company to initiate the deposit by phone. The CSR took the routing number and account information for the bank deposit.
Later I was informed that the payment was rejected because the account number had been keyed incorrectly. I subsequently resubmitted the information to Citi and they processed the transfer. Shortly there after I was assessed a fee for the initial deposit that did n't go thru due to their error. When I called a CSR they told me it would be removed but have since not been reimbursed.

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 monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Late payments on my Credit report are wrong information about my payment history. I have never been late I have always made my payments on time. Please remove as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
The late fees have increased finnomally, and it unable to make payments.

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