vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully. Never got any signup bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
When they call me I try to explain to them that I do n't work and how can I pay or send money when a person not working and no income.

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 2015-11-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
I had a student loan back in 2002, was finally paid off XXXX and now I get a statement from XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called The Steve Peroutka Law Group , P.A XXXX Their infomation is- The Steve Peroutka Law Group , P.A XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX PhoneXXXXI thank you in advance for any help you can lend to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: SC

Complaint narrative:
Patients were offered a genetic XXXX screening at no charge as long as they had medical insurance. Tests were done in dental offices throughout the XXXX and GA. The tests were sent to XXXX. Patients were never billed patients and assured they would never have an out of pocket charge for saliva testing. XXXX never did send out statements, however, they turned patients accounts over to Fidelis Recovery Solutions ( collection agency ). Charges range from XXXX XXXX to XXXX XXXX or more dollars. Patients were shocked because they were promised no out of pocket cost. XXXX put it in writing. XXXX will not return phone calls or emails. I contacted a representative who is no longer with the company and he sent me training materials which stated " no out of pocket costs for patients '' The company would accept only what medical insurance would pay even if that was nothing " because we are collecting test data, and we want to make this test available to more people, we are accepting what insurance is paying and writing off the balance. '' I shared this information with the collection agency but Fidelis Recovery Solutions will not return calls about this issue either. Patients are being taken advantage of by both XXXX and Fidelis Recovery Solutions. Please advise me on how to help our patients.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I had XXXX work at XXXX XXXX of XXXX in XXXX 2014. I paid my part in full before the procedure. They failed to do the insurance paperwork and they kept sending me bills for the part covered by insurance. I contacted them and the apologized and gave some excuses about the issue ( which I do n't think was the case ). 

After a while I received a letter from Debt Collector. 
I contacted debt collection agency and the dentist office to resolve the issue but it did n't work. I contacted the insurance company and took care of the issue myself and had them send the doctor the check. 
Insurance company record shows that the doctor has cashed the check. After receiving calls from debt collector I contacted the doctor again and doctor 's secretary apologized for the problem affirming I never have outstanding balance. ( all email correspondence attached XXXX But the debt collection agency keeps calling me and they say their client XXXX dentist ) says they have never received any payment, and they continue their harassment after a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
A company named Mercantile has contacted me stating that I owe them money. I do not know who they are. I used a template from your website asking for information about the debt they referenced in their contacts with me. I certified mailed it on XX/XX/2017. 
It is now XXXX, and I have not heard back from them. I am worried that they will try and hurt my credit. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: Omega RMS, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX, I received an collection letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I called the phone number XXXX asking about this collection letter for {$2000.00}. XXXX XXXX stated it was for Maintenance fee for XXXX XXXX XXXX. I told him that this debt was n't mine. They gave me the address in XXXX and my daughter and I went to XXXX XXXX XXXX with the letter. XXXX XXXX XXXX said they do not show a timeshare in my name nor ever had my name on a timeshare with them. They said do not pay this debt collection since it was n't a valid debt collection. This bad collection account was put on my credit report in XX/XX/XXXX and was removed in XX/XX/XXXX. I started getting collection phone calls, I reported the harassing phone calls to the police. The Police Chief said to change my phone number. So I changed my phone number. My new phone number is under my daughter 's name and how they got the phone number I do not know. The calls have started back today XXXX. I received in the mail dated XX/XX/XXXX another collections notice from OMEGA RMS. llc Moving forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX. And now they want {$4800.00}. The statute of limitation in XXXX is XXXX years. Enough is Enough. I want the harassing letters and phone calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: CO

Complaint narrative:
Dynamic Recovery Solutions is contacting myself and my husband daily, with very threaning attitudes. I have received a letter in the mail also. This is not my debt, I do not owe this money and they will not leave us alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
BB & T bank is being unfair about how they are subtracting their transactions. The way they do it XXXX transaction can cause multiple insufficient fund fees. Their online account is very vague and when you call into the office no one knows really what is going on. I finally got ahold of a representative that knew what was going on. If there is XXXX in the account,,, there are XXXX pending transactions each for XXXX they subtract that from the XXXX first. So then there is only XXXX to pull transactions from. If there are XXXX transactions for XXXX there will be XXXX XXXX insufficient fund fees. Then there will be XXXX posted to your account. Then the next day, when the XXXX XXXX transactions go through there, will be XXXX more XXXX insufficient fees subtracted from your account. So that would be XXXX more dollars subtracted from your account. Half of the tellers can not even explain to you why this is happening,,, they do not get back with you after you call and they say they will find out and call back. I have had a huge mess happen to my account because of this and could not get my account straightened up because of it. There is no documentation sent to you telling you exactly what bounced and it is utterly confusing and wrong. I do know that XXXX has been sued for this practice. I feel taken advantage of by BBT and they are wrongly charging fees. Most people can not come up with the money to cover the fees when they are tacked on so they are gon na end up with more fees in most cases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN PACIFIC MORTGAGE
State: WA

Complaint narrative:
We feel that due to the lack of integrity of our loan officers and their team we were forced to pay {$1800.00} in extra costs associated with securing our mortgage from Pacific American Mortgage DBA XXXX Home Loans. We were told that they were familiar with HUD FHA XXXX Streamlined Loans. When in fact they were not. They were not honest with us on more than XXXX occasion. Due to this dishonesty our closing was extended twice which forced us to change plans twice, i.e. extend our obligations. Specifically, we were forced to find an alternate location for belongings to include our XXXX XXXX pull trailer and XXXX XXXX XXXX ( rented storage at XXXX ), pay rent for one and a half extra months at XXXX XXXX at XXXX Apartments with all utilities and insurance, also due to being forced to reside in this location personal belongings were vandalized ( XXXX XXXX XXXX, window broken and work tools stolen, actually totaling {$500.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.

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 2016-09-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
For approximately the last 5 years, Ocwen Mortgage Servicing has been making accounting and payment errors that have resulted in overpayments, overcharges, incorrect payments, and most recently a loss of coverage for my primary residence. I have XXXX accounts with Ocwen, and both accounts have been transposed, and misappropriated in the last 5 years. I have spent numerous hours trying to explain the errors. In XXXX case, it took two years before they admitted that they were overbilling me. Most recently, I spoke to a representative and explained that they did not make the premium payment for my primary residence policy and my coverage was cancelled as a result. The representative stated that she would correct the problem. I stated that I want to request termination of my escrow account due to the constant ineptitude and incompetence I have been experience over the last 5 years. I was given the contact information to start that process. I also stated that I should not be liable for any fees associated with the reinstatement of my account because I paid the escrow and it was Ocwen 's error and not mine. As of today, the situation has not been resolved. I fail to believe that a company that size can be so grossly incompetent, but I do believe that it has been a system of using incompetence as cover-up for manipulating funds so that Ocwen has more funds to receive interest from at the expense of it 's customers.This complaint is just another part of the struggle I am experiencing in my efforts to hold Ocwen responsible for their actions and handle the escrow payments myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a mortgage payment to Rabobank for loan XXXX on XX/XX/2016 via postal mail but received notice from Rabobank on XX/XX/2016 ( dated XX/XX/2016 ) stating that the loan payment was past due. Upon researching the matter, Rabobank had not cashed the check ( number XXXX in the amount of {$1600.00} ). Therefore, I re-issued the check and walked payment into the nearest branch. I requested a late fee waiver and they refused the waiver saying that they had made no mistake. However, losing my check is a mistake and I should not owe a late fee for their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Today I received a check from Mariner Finance in the mail for over {$2500.00}. I have never contacted this business or requested a loan from them. Included with the check was a letter explaining that depositing or cashing the check obligated me to a loan with an APR of 32.94 % The envelope was marked " Check Enclosed Open Immediately. '' In this era of rampant identity theft, any competent thief could have intercepted this letter and cashed the check as me, theoretically obligating me to pay. I am also extremely upset that this form of advertisement is used for high interest loans, obviously intended to prey on the desperate and vulnerable in our society.

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 2017-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Kia Motors Finance is purposely ruining my credit. They keep reporting me as 30 days late on my loan when I 've never been 30 days late. I 've even sent a written letter requesting they correct this and they only made it worse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
XXXX contacted my parents on XXXX/XXXX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XXXX/XXXX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.

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 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I leased a car for almost 4 years through Hyundai Motor Finance. 100 % perfect, on time and slightly overpayments ( I round up to the next dollar ) each month. I purchased a new car XXXX months prior to my lease end and the new car company gave me the funds to payoff my lease. I turn in the lease XXXX months in advance in XX/XX/XXXX.. I walk into XXXX to return the lease, speak to the receptionist briefly, a representative comes out takes the keys and says, " thank you, we 'll bill you. '' I 'm like, that 's it? And that was it. I 'm an online bill payer so I 'm checking my online account and it took a couple of weeks maybe for it to update to " this car has been returned. '' About 2 weeks go by and I begin checking my online account every few days or so maybe every week or 2. No bill. No bill in the mail, no amount due showing online just, " this car has been returned. Months go by and still no bill. I do n't even know who to call and check. The next thing I know, It 's been reported to my credit as delinquent. Late fees, bogus charges. My score dropped over XXXX points and all the while the funds to pay this bill, sat in an account, untouched, awaiting a bill I was promised and never received, and from my understanding was Never sent. After almost 4 years of perfect payment history, it was overly depleted in negative reporting in a matter of XXXX months and for absolutely no reason or explanation. According to a representative of Hyundai Motor Finance, the first notice following the return of my lease was sent on XX/XX/XXXX. I spent 40 minutes on the phone ( much of which was on hold ) while this representative, XXXX his heart, was struggling to understand what happened exactly. I 'm still waiting on answers, I need answers, my credit score is in ruins, and I XXXX this endeavor is successful in seeing that this injustice is made right and wiped clean.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
We paid the last payment ( XXXX/XXXX/XXXX ) on our Hyundai Finance Account for our XXXX Elantra. We have made at least 3 calls to find out where our title ( lien release ) is. The customer service person said they sent it to our old address, which has been off our billing paperwork since XX/XX/XXXX. I asked Hyundai to re-mail the paperwork to the correct address. ( which I gave them ) I am still waiting for my lien release and our overpayment taken from our bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a XXXX XXXX XXXX in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a XXXX XXXX XXXX had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Critical Resolution Mediation LLC
State: OH

Complaint narrative:
On the morning of XXXX XXXX, XXXX at XXXX EST I missed a phone call from the number XXXX. At XXXX EST, I returned the call. XXXX answered and did not mention what company he is with. And continued to withhold the company information so that I could understand who was calling. He then stated that I owed a debt from XXXX and the amount owed of roughly {$250.00} from XXXX XXXX. I then stated that I currently did not have the funds but I am however looking to pay off my debts as soon as I get money to do so. He then said " XXXX XXXX is looking to get this handled within the next 2 hours or law enforcement will be sent to arrest you this afternoon ''. I told him that there was nothing that I can do right now. He then stated, " Well if you cant pay it now, I will go ahead and send over your information to have you arrested. Goodbye ''. 
I called XXXX back at XXXX EST. He answered and I said " May i speak to XXXX ''. His response was " Who is this? '' I stated my name. He then said " XXXX XXXX, I dont know why you are calling me back. You said you cant take care of the debt. Please do not call me back if you are not looking to pay. I wish you the best of luck, '' As he is laughing on the phone. I called back once more to simply get the company information so that I can have it for future reference. Another man answered the phone and gave it to me as he also stated that the debt owed was {$130.00}. A completely different number from what XXXX said. I explained to him that I could not pay it and that I would like to speak to XXXX because I feel that he was very rude and unprofessional. He transferred me to XXXX. He answered and stated " Stop calling if your not going to pay. '' Then hung up. 

XXXX violated my rights under the Fair Debt Collection Practices Act numerous times by stating false debt amount owed and also threatening to gave me arrested within the day of XXXX XXXX, XXXX. 

Under the FDCPA, it 's against the law for a debt collector to ( among other things ) : use threats of violence or harm use profane language tell you that you 're subject to arrest or imprisonment if you do n't pay your debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed