vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Pathfinder Credit Services
State: GA

Complaint narrative:
XXXX of XXXX, Fl, I got this loan in XX/XX/XXXX and I was promissed a good frame time before I started making payments, I have to mention that I have n't been able to work steadily, and therefore not making payments.A few times I asked XXXX to at least accept small installments, instead they sent my account to a collection agency ( Pathfinder ) I have been in contact with this collection company, but they do not accept minimun payments and all they do is make phone calls to make threats to use their legal department if I do not pay what they ask for, Pathfinder has inflated my original account by adding high interest rate, i was not aware of.On XX/XX/XXXX I was call call by XXXX whom made threats of legal action after i recuested that i needed to see the original statement from XXXX, since the account is getting bigger and bigger.I want to stop them to call me and to harras me or intimidate me arguing that and I quote '' is a tactic for not paying '' as per XXXX, I was not informed by XXXX that my account was in Pathfinder 's collection.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service
State: GU

Complaint narrative:
I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send, but, was informed to pay the amount of {$6100.00}, or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX, I paid off the Take It Home Card in 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 2017-03-31 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: FL

Complaint narrative:
I applied for a payday loan 10 years ago some agency calling on behalf of Department of Investigations called my friends and family members threating that I was going to be arrest for fraud and larceny. This particular payday loan has been consolidated from my previous bank resulting in my checking account being charged off I have all documents but this agency harassed me for {$420.00}. She told me she was forwarding my information to an prosecutor and that I will be locked away for federal charges. Their number is XXXX..please stop these people from harassing me

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 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
The Complaint that I have is with TRIDENT ASSET MANAGEMENT. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with TRIDENT ASSET MANAGEMENT. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Gatestone & Co. International Inc.
State: GA

Complaint narrative:
I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eltman Law, P.C.
State: NJ

Complaint narrative:
I received a letter from XXXX claiming that I owed a large debt to them and they obtained a court levy to garnish my wages. I sent a request to them asking for proof of the debt and all I received were court papers and a listing with my name and a judgement dated back almost 20 years. They did reply with the original creditor name but no proof as to what the debt pertained to or was for no details for me to verify. And the paperwork from the court said there was a court date that I did not show up to but I never received any notice of a hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: EZCORP, INC.
State: CO

Complaint narrative:
i received a call today for a payday loan that was not paid in XX/XX/2014 stating that if i did not pay the amount in full that a warrant would be issued for my arrest. these people were rude, offensive and very threatening. The name of the company was ezmoney payday loans. Better known as EZcorp. This outstanding debt is currently awaiting my bankruptcy to go through. I have also not heard from this company once. IT ALSO APPEARS THAT THIS COMPANY HAS BEEN SANCTIONED BY THE GOVERNMENT TO NOT COLLECT ON ANY PAST DUE LOANS

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 2016-05-09 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
XXXX Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
applied for a loan not seeing the payments go down on paying on a XXXX dollars loan for almost a year. XXXX a month. Times XXXX {$500.00} per month. 
currently interest rate is 198.15 %. military lending act only goes up for service member up to 36 % please any assistance would be appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
getting multiple calls. I have already paid the due amount to the concerned party, told them the same and " asked them to stop calling ". The lady on phone said we will continue to call, when i said i will block your number, she said that we will dial you from other numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 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: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
I did n't receive any mail or phone call until a supposed collection from XXXX showed up on my report in XXXX. I have been unable to get any information as to what this is in regards to, only automated ''agents '.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I was a member of XXXX 's XXXX ( XXXX XXXX XXXX ) and left the gym XX/XX/XXXX. I started receiving calls this year that I owe them a debt of over {$100.00}. I am unsure why I owe this much money on a membership that was {$20.00} a month. 
The credit collections, 'Central Credit Services ' was unable to tell me why. So I called the corporate office of XXXX, but they could n't help me either because the gym I went to ( XXXX on XXXX XXXX XXXX XXXX XXXX in AZ ) was a franchise and it has since closed down. 
So there is nobody in the world apparently that can get me a bill so I can understand why I owe this money. I have told Central Credit Services three times now I wo n't pay wihtout a bill. Each time they call me they offer me a different reduced amount. One time they offered me to pay 50 % and I said I would when they sent me a bill ... .she said she would look into it. 
I never received a bill so when they called again I talked to a guy who said that they can not give me a bill of why I owe what I owe and that is normal and how it always is. In frustration, I told him I would pay the 50 % portion just to resolve the issue but he said he could not offer me that even though I was told last time that was an option. He told me he could only settle at 10 % off. 
Furthermore he told me that he could only settle for less if I paid all at once, otherwise I have to pay 100 %. 
I am not a person who skips on my bills ... I pay my bills and am a responsible person. I, however, find it hard to believe that somebody can collect a debt on me without a written explanation of the charges. 
They have apparently sent me several letters to my correct address, but I have seen none of these. 
I declined to pay today, as I do n't have any wiggle room in my budget this month. I offered to call back another time. He responded that was fine ... .'well then we will just continue to call you '. Although this is n't a violation of any credit laws, it was extremely unprofessional to threaten to keep bugging me. 
I do hope though that debt collecting while refusing to provide a bill is in violation of debt collecting laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX is offering me a payment plan called the CARE Program, which stands for Customer Assistance Relief Environment. I had some XXXX XXXX credit card debt which was then sent out to a third party, Central Credit Services. 

I have been making monthly payments consistently with CCS. This month, they offered me to elect to join the CARE program, which purports to be a monthly payment program which will alter my interest rates on the debt. They told me some of the terms on the phone. It sounded like they were offering to waive all late payments, but they said that the terms might change if I did not make my payments on time, so I was suspicious. I asked the people at Central Credit if I could get a written disclosure either digitally or in writing that contained the terms of the payment program. They told me they could not send me the terms until I agreed to join the program. I told them multiple times I did not want to sign up for anything without reading the terms, and they told me they could not send me the terms until I was in the program and kept stressing to me that I might not continue to be eligible for the program if I did n't sign up today. I told them I 'd think about it and get back to them and they continued to stress that I might lose eligibility for the program if I did n't sign up today and agree to a number of agreed monthly payments ( which were higher than my current minimum payment ). 

I told them no, and when I transferred back to make my monthly payment, I was asked to verify the amount I would like to make in my monthly payments. I told the representative I would only like to make one payment, and they finally backed off. 

It feels bizarre that they offered to change the terms of my underlying debt but would n't give me a written disclosure of the terms of the agreement. 

I posted about this on XXXX, and asked other folks to comment if they 've had the same problem. That 's here : XXXX/

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 2016-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
Dynamic Recovery Solutions continues to call both private cell numbers and business numbers to collect a debt that is illegitimate and is not owed. They have been told to stop, and yet they have stepped up the calls rather than stopping them. They are looking for someone that is not at any of these numbers, and bullying the people who answer for information. They are using illegal tactics to collect this debt. They are calling late at night, they are calling on weekends, they are calling early in the morning. Everything this company does as far as debt collection is ILLEGAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I paid off the loan in XXXX 2016, loan was report on my credit bureaus as closed with a balance. I contacted the company directly and was told that is how they report the loans.

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 2015-11-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: LA

Complaint narrative:
I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Lockhart, Morris & Montgomery Inc.
State: MS

Complaint narrative:
XXXX XXXX of Lockhart, Morris, and Montgomery threatened me and said it was a crime. He threatened to go after my grown daughter who does not live with me and is in no way obligated for any of my debts. Before he knew who I was and before he told me who he was and what it was about, he told me all of my personal information. He had my social security number, address, date of birth ... all of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 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: NY

Complaint narrative:
1. never received notice of right to dispute prior to posting the XXXX ( XXXX ) collection account on my credit. They simply threw this on there and was noticed in XX/XX/XXXX. 
2. have repeated requested validation of debt other then a lump sum invoice, such as a copy of the contract, receipt or purchase order for 7 months to date, collection company refuses to provide validation of this debt. 
3. Delinquency Invoice ( not contract, receipt, payment initiation or any other record ) from original creditor provided by collection agency does not coincide with the data furnished by collection agency 's 'date of delinquency ' reported as XX/XX/XXXX by collection agency and Invoice of XX/XX/XXXX.- Inaccurate Reporting. 
4. Data furnished by collection agency does not report to my credit report as 'disputed '. collection agency cont to report to XXXX, no information, past due acct only and XXXX as 'seriously past due'- not furnished acct is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I paid in full XXXX and they were to report, per the attached email. They did not report the entire month of XXXX and they have reported every month prior to XXXX. And they finally reported on XXXX and did not show the paid account. They are ignoring my emails and phone calls. Even the local branch can not get a call or email about why they are not reporting the account with XXXX balance and paid in full date. I was turned down for credit because of this very account. It is the only negative that would keep me from obtaining credit. I want it removed in its entirety.

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 2016-11-11 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Simply, I returned a leased Kia to the Kia dealer at lease end and per the lease agreement, I purchased another Kia with the written, express, and implied statements that the {$410.00} disposition fee will be waived and the new Kia will be financed through KMF. The lease and recent correspondence from Kia ( KMF ) states that you have to PURCHASE or LEASE another Kia to waive the disposition fee-which I did. KMF and the dealer scammed me-denied me credit with a XXXX credit score and is now lying to XXXX claiming I have to lease another car only to get the fee waived. KMF is now billing me for {$410.00} for the disposition fee that I do not owe them. They refuse to finance me and will not waive the fee-this is fraud, scam, and violates my rights as a consumer. I do not owe the {$410.00} disposition and KMF does not have legal authority to demand me to pay it.

Company response to consumer: Closed
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. 

Truaccord wrote that I owe XXXX to 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 2017-04-03 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am requesting the removal of this debt collection. I have never done business with this company. I take my credit very serious. I have asked for information to be proved for me for account. I have n't receive anything. I do n't think it fair they will rather report inaccurate information and not verify the information.

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 2016-03-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I leased a vehicle in XXXX XXXX ( Hyundai Sonata ) and traded it in for a different brand car lease ( Mercedes Benz ) in XXXX XXXX. We received the payoff amount of XXXX XXXX and change, which new car dealer confirmed and paid it off. In XXXX XXXX I received a call from the new dealer that the Hyundai is asking for more money to release the title of the vehicle. I provided the new dealer with several monthly statements that I had stating XXXX balance. A few weeks after providing the new dealer with the statements, I received a default notice that asked me for the payment of XXXX XXXX and change. I have made several attempts to call Hyundai 's default department and no one seems to know what is going on until I spoke to someone high ranking on XXXX/XXXX/XXXX at XXXX hrs who made no sense and stated that payoff amount that we quote is not an actual payoff. 
I have never had such a bad experience with a car company before. " Payoff '' to laymen folks mean " payoff '' and I believe that these people are delaying the process just to send the file to collections. 
Dear Sir/Madam, I really need your help in resolving this matter and can not really afford to be ripped off as a consumer and a law abiding citizen. Please help me deal with this unfair and greedy corporation.

Company response to consumer: Closed with explanation