vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I requested and received a payoff quote on my Hyundai XXXX lease in XXXX. The payoff was good through XXXX. I decided to buy out the lease, contact XXXX for the loan. XXXX and I followed the payoff letter instructions and the lease buyout amount of XXXX, XXXX was sent to and CASHED by Hyundai Motor Finance. 
Hyundai then sent the funds back to XXXX even though they cashed the check on XXXX XXXX, saying we could not buyout the lease in the manner that we did that I had to " go into the dealer. '' XXXX states that because they cashed the check, the loan funded and closed. So now we have to wait another 10 days before the money is refunded to XXXX. Once that happens, I have to pay additional money to XXXX to payoff the loan, then take out a second loan incurring additional loan fees payable to the state. 
On top of that, Hyundai is increasing the payoff quote, I have to make another payment to then instead of lowering my monthly as planned. 
Hyundai provided a payoff letter with instructions. We followed those instructions. They cashed the check from XXXX, creating a second lien on my vehicle which also cost me money. When I received an email that they were processing a payment, I called to have the payment stopped because they already received the payoff. It was only then that I was informed that they were refunding the payoff funds. 
I did in fact go to a dealer on the 4th to attempt to work this out. The dealer gave me a payoff quote of {$600.00} LESS than the original. Then when we called in, the payoff was {$40.00} MORE than the original. I feel like Hyundai did not properly provide payoff instructions, is not giving me a fair payoff quote now, is holding funds for up to two weeks, and as such is earning interest they should n't - while trying to collect as much on the payoff as they can. 

At this point, the funds are still with Hyundai, they are charging me more interest, XXXX can not do anything until Hyundai returns their funds ... And then I have to start all over.. at their dealer and pay a second loan fee to the state.

Company response to consumer: Closed
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Financial LLC
State: DE

Complaint narrative:
A woman from Loan Til Payday in XXXX Delaware, at the phone number XXXX called. I answered the phone by telling her to remove me from her list. She said she is looking for XXXX something and I told her I do n't know XXXX, he does n't live here and remove me from the list. She ended the call by calling me a XXXX and hanging up on me. When I called her back, she refused to give me her name, her manager 's name, he corporate phone number or any other identifying information. I called another location of Loan til Payday and got the corporate phone number from them. I spoke to XXXX and explained what happened and he said he would get to the bottom of it and get back to me. I am very angry with her unprofessionalism.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Critical Resolution Mediation LLC
State: CA

Complaint narrative:
I was given a message on my job that a man called to talk to me named XXXX XXXX and I was given his phone number. I called him and asked him who he was and he said he could not help me until he knew my name. i said XXXX XXXX. He asked what phone number he called. I said I do n't know what phone number you called, I just got a message to call you. Who are you? What kind of business is this. He proceeded to become very rude and belligerent saying he ca n't help me if I ca n't tell him the phone number. I said I told you I do n't know who you called. He said he had no one by that name and again stated he ca n't help me without a phone number and said call me when you get it and hung up on me. His phone number is XXXX and the name of the company is Critical Resolution Mediation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.

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 2016-12-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.

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 2016-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Peoples Home Equity, Inc.
State: IL

Complaint narrative:
I would like to talk to someone about my lender, XXXX XXXX. Who has n't been answering my phone calls and gave me a false rate on my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Risecredit, LLC
State: TX

Complaint narrative:
I submitted a request for verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I paid off my student loan from XXXX but I am getting letters in the mail from a comany called Central Credit Services LLC. They are stating that I have not paid off my debt. But I have documentation that I have paid my debt in full. I believe they are a scam. 

Their contact information is Central Credit Services LLC XXXX MO XXXX Phone 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 2015-07-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ

Complaint narrative:
XXXX & XXXX, are trying to bill me for something I paid and was a dispute over XXXX years ago!! They have records of me calling to state the people living in the basement apartment was connected to my XXXX apt !! The landlord kept lying and did nothing and when they moved out I got stuck with the bill. After some years I out the XXXX & XXXX in my name and then they stated I still owe this money! This should not be on my credit report at all!!!!! I actually overpaid them and will attach the letter from my Attorney sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Because of their terrible services, I cancelled XXXX cable/internet services on XXXX/2014. I paid it off and turned to XXXX ever since. It 's been about three years that they keep harassing me by sending me a bill of {$120.00} which I DO N'T OWE. I have provided them the evidence and documents according to which I do n't owe them a penny, but they keep sending the same bill via a collecting company. This has impacted my credit score and I want to buy a home. Please help me get rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: Strategic Alliances, Inc.
State: GA

Complaint narrative:
Was notified via an alert on my credit monitoring that First Financial Investment Fund had placed an collection on my credit report in the amount of {$260.00} for a debt that I do not have. I do not owe any creditors. I did not receive notice of right to dispute nor did they provide enough information to verify debt. i.e. amount of debt & name of creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Trust Management LLC
State: OH

Complaint narrative:
Called an ex husband of 10+ years stating that they needed to locate me, XXXX, I have not have contact with this person for a very long time.. I called the XXXX contact number that global trust management llc used and informed them not to contact any other number than mine, they again called again under a different number and did the same thing, XXXX XXXX is the one who keeps calling, I against XXXX called her and informed her once again only to call my personal phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: MI

Complaint narrative:
I owed Original Creditor : XXXX XXXX, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17 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: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Risecredit, LLC
State: OH

Complaint narrative:
Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
The company calls and leaves a voicemail at least weekly looking for a " XXXX XXXX '' ( sp? ). I have called the number given at least 2 times and reported that there is nobody here by that name, and given them my number, with instructions not to call, yet they continue to call. They also stated that they do n't have my number in their dialer, yet I continue to get the calls.

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 2016-12-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC

Complaint narrative:
On Friday XXXX XXXX, I called Smith Debnam Attorneys at Law ( hereby referred to as " Agency '' ) and contacted XXXX XXXX ( hereby referred to as " Agent '' ) at extension XXXX. Per the letter sent by the Agency dated XXXX XXXX, 2016, where they state the amount owed on XXXX ( hereby referred to as " Creditor '' ) Account ending in XXXX to be {$2600.00} and in which the Agency states " Our client has authorized us to initiate a judicial proceeding against you. In an effort to avoid costs associated with litigation, our client has authorized us to give you an opportunity to settle this account without having to go to court '' if there was no response within 20 days of receiving the letter. 

I made this call to get more information about the alleged debt. During my call with XXXX XXXX I specifically asked what the original amount and date of the debt which was discharged from the creditor to their office, in which she stated the amount to be {$2600.00} and that it was received by their office on XXXX XXXX 2016. The amount she stated was the same as the one on the letter in reference. I told her I would be speaking with the original creditor to review my options and hung up. 

On XXXX XXXX I spoke with an account representative of the creditor, XXXX and revewing all correspondence regarding this account I confirmed that the amount the creditor released was {$2500.00} based on a letter I received from the creditor which is dated XXXX XXXX, 2016, and not the {$2600.00} XXXX XXXX " Confirmed ''. 

Therefore, the debt collection agent, and hence the agency have lied about the amount of the debt in what I believe to be an attempt to claim more than the original debt. There is no statement or evidence on any of the correspondence sent by the Agency or agent stating the reason for which the debt they claim is higher than that dischardged by the creditor. 

I am requesting the agency to send proof of the debt. Until I receive the letter of proof I ask that this matter be reviewed. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Velocity investment located in NJ, has been collecting on XXXX prior debts, XXXX of them has been paid in full, the second is in monthly payments. No letters or communications have been sent to me to remove the first account from my credit report, I was promised emails to confirm the payoff, nothing was received. Now I have other so called debt collectors contacting me about some obscure debts. I do not know if Velocity has shared my information, or what has happened. I am considering asking my bank to recuperate the funds I have paid.

Company response to consumer: Closed
Consumer complaint received 2015-12-14 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: TX

Complaint narrative:
I received a letter regarding a debt I do n't owe. I have been a victim of identity theft so I keep accurate records of my credit report and know exactly whats on my report. But I called the company DYNAMIC RECOVERY SOLUTIONS any way. The person on the phone said it was a debt from before 2003 and I have the burden of proof to provide them information that I do n't owe the debt. Then I received a letter from them saying the same thing. I have never had a XXXX credit card. I have only XXXX credit card. Their saying I have the burden of proof from something over 12 years ago is Preposterous even if I did have a card. I XXXX this company and they are trying to pull this scam all over the place and they need to be brought to justice. Someone needs to shut this place down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been trying to get on a payment plan to pay off my student loans and they keep making it so the payments are way to high for me to pay. When I call to tell them this they tell me that I can do a forbearance and have no payments for 6 months while my interested keeps rising. All my attempts to try to get a decent payment to start paying off my loans go ignored but, they are very quick to keep putting off my payments. It 's extremely hard to get through to them and everything has to be done online and there are so many emails steps that you get to a point of utter confusion about what is happening. The payment page is the same way, I have XXXX lone that is {$25.00} and would like to pay that XXXX off but, you have to pay and wonder where they are going to apply the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I was given a {$40.00} prepaid card from NetSpend. This was a gift from a friend. I tried to activate the card online and was told I could not and to call the toll-free number on the card. The first time I called, the rep asked me some questions and said the card was activated. 

I tried to make an online purchase ( making sure to include the fees NetSpend would charge ) and it would not approve. 

I then got a voicemail from someone at NetSpend to call back and give them a reference number to finish setting up my account. When I called, the rep who answered seemed to have no idea what I was talking about and said he needed to transfer me to a " special department. '' When he did, I was dumped directly into a voicemail of someone in the legal department who handles subpoenas???? 

I called a 3rd time and another rep answered -- she went through the same drill and said she had to transfer me to a " special department. '' She refused to give me the name of the department or their direct number. I was transferred and sat on hold for 15 minutes before hanging up. 

I called a 4th time and another rep answered -- I explained to him what was going on. When he asked me again for my name and last XXXX of my SS #, I asked him why did that matter because they would n't have my information if I did n't have an account. He said he had to take this info to set up the account, but once again told me I needed to speak to the " special department. '' He said he would wait until he reached someone before transferring me. I have now been on hold for 23 minutes and will hang up at 25 if no one answers. 

At this point, NetSpend needs to be ordered to refund my friend 's purchase.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
My mortgage servicing provider ( XXXX ) transferred my mortgage to another service provider ( Suntrust ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because XXXX had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( Suntrust ) relies on the address from the previous service provider, I did not receive any communication from them either. 

I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with Suntrust that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider. 

I called XXXX and they informed me that they are not my service provider anymore and they referred me to Suntrust. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. I do n't understand why Suntrust did not try to call me and why they reported the late payments to the credit bureaus when they obviously had the wrong address!? 

I immediately settled my balance with Suntrust as they were very adamant about the outstanding balance. At the same time I am still waiting for XXXX to reimburse me for three months of mortgage payments I sent to them. To add XXXX more twist to the story : my account will transfer to yet another service provider ( XXXX XXXX XXXX, I think ) in less than 14 days. 

Since I did not receive any information or notifications about this transfer either, I can only assume that Suntrust continues to use a wrong address. This is very frustrating!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief