vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
Direct Recovery Services contacted my fiance 's brother about a debt I owed from 2 years ago. They mentioned that if I did not contact them it would lead to being served papers to go to court and that I only had 24-48 hours to contact them. When I contacted them I asked for proof of the debt belonging to me and I was hung up on. I was also promised that once the debt had been paid I would receive an email confirming the debt paid and closed, I still have not received my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
To whom it may concern, This is my second complaint regarding BMW financial Services. On XXXX/XXXX/XXXX XXXX declared my XXXX BMW 320i Acct # XXXX a total loss and issued payment to BMW financial for {$36000.00}. See Exh # XXXX. 
See EXH # XXXX This was a financed vehicle, on XXXX/XXXX/XXXX Bmw Financial sent a past due notice for {$8700.00} for the remaining balance on the vehicle rather than checking my contract of sales to notice that there was no Gap waiver form signed or offered to me at the time of purchase. They continued to proceed with /after previous calls to BMW and being advised I was no longer responsible, on XXXX/XXXX/XXXX u received a letter that their records do not indicate any discussions about responsibility. XXXX XXXX was no available for questions. Tel # XXXX which is not his direct line and he does n't even take any calls. Not sure why we would state on a letter to please contact him if he does n't take calls. See Exb # XXXX As you can see EXH # XXXX - a letter my account was paid in full, no explanations in any event. I was right and they were wrong. Since last year they have been stating I owed them the balance due on the vehicle, a and once I made the manager Aware that there was no gap waiver form offered or signed by me see EXH XXXX, I should n't be responsible for the balance left over. Bmw Finanical sends me a paid in full letter that does n't state they were wrong, and they should have never been trying to collect from me nor send my personal information to a collection company. The letter appears as if I paid them in full. 
For my aggravation regarding this matter & many sleepless nights I am requesting that this account be deleted from my credit report. I am also requesting to be notified which collection company by information was sent to, and that it is deleted form their database. 
I was harassed & abused by this whole process. On the surface it looks like illegal & unethical behavior on the part of BMW Financial. Do n't know how many other customers just paid instead of doing research to see if they were offered a Gap waiver form. 
Bmw told me they report to XXXX m if that 's the case and true they should be informed of this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
Both parties have agreed on a {$100.00} a month payment agreement. Every 4-6 months I will receive calls at least twice a day lasting up to 2 weeks on my cell phone and at my places of employment saying they do not have a payment. I also receive letters stating I have failed to follow the payment agreements. I have spoken with XXXX and XXXX who are managers, informing them that payments were made and I do not owe, they will look it up and say I am correct. On XXXX/XXXX/2016 I received XXXX phone calls from XXXX XXXX on both my cell phone and at my place of employment by XXXX stating it was urgent and for me to call KHESLC. I called back to KHESLC and spoke with XXXX, I told her that I was current with my payments and that I informed XXXX back in XXXX to not call my places of employment. XXXX stated that I should NOT have received a phone call, that I was up to date on my payments, and that my due date was n't until XXXX/XXXX/2016, she said she would investigate the call and would take care of it. On XXXX/XXXX/2016 I received a letter from KHESLC stating that I had failed to follow the agreements of the payment plan. On XXXX/XXXX/2016 I received a phone call to my cell phone at XXXX from XXXX stating it was urgent for me to contact KHESLC. I called XXXX telling her that I received another phone call and a letter, and that a payment was made on XXXX/XXXX/16 and again that I 'm current on my payments and that what is being done is harassment. XXXX agreed and said she would look into it and call back. She called me back saying she spoke with XXXX XXXX and they both agreed that I should not be receiving phone calls or letters because I am current. XXXX said to call her back if I receive another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I was assessed overdraft fees when items posted on a positive balance. I have escalated to PNC several times with no understanding of why the fees were assessed. Please refer to attachment detailing banking activity on XX/XX/XXXX and XX/XX/XXXX. Also, PNC 's mobile deposit service does not outline availability surrounding deposits made via the application on weekends. Lastly, the check that was deposited via the mobile application on XX/XX/XXXX cleared the issuing financial institution on XX/XX/XXXX ( uploaded evidence ). There was no overdraft here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gatestone & Co. International Inc.
State: NY

Complaint narrative:
I received a call from a company called Gatestone. I initially ignored the call because I had no debt but decided to call them back the second time. They asked for my current address and prior address ( since I just moved ) which did not match their records and last XXXX digit of my SSN ( which they asked for and which I should not have given ). They then said it was for an XXXX CC I was a secondary for but I told them that I am not a secondary for any credit card or loan. They gave me the last XXXX digits of the supposed card and I confirmed with them I had no such account. They said they will then delete the my contact details ( work and cell numbers - which they used to call me ) from the account. I called them back because I decided to call XXXX and I did not recall the last XXXX digits of the account they said I had. I was able to talk to the agent assigned to my case and he provided the last XXXX digits. Note, that I had no issues calling this company and getting someone on the phone in the two instances I called them. 

I called XXXX and they confirmed that I have no account ending with the XXXX digits in all my current and prior accounts with them and that they do not work with such debt collection company. They also said that they call their customers directly about unpaid balances and do not go straight to a collection agency. 

I tried to call the company back and let them know about my conversation with XXXX and suddenly unlike prior instances, my call went into voicemail for the " XXXX XXXX Department ''. This never happened in the two other times I called them and I called during office hours. I left a voicemail anyway indicating that I have talked to XXXX. Now, I am worried because they have my cell, work numbers, my current address and last XXXX digits of my SSN and I am now wondering if they created this phantom debt or bogus account digits for a debt supposedly I have to get personal 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 non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
They called and left a message on my cell phone for my husband, did not give name of company, just stated XXXX needed to call XXXX XXXX part of the legal division of firm, that it would be going out today. To call her at XXXX ext XXXX. And refer to document number XXXX. I called this number back and asked what the name was asset recovery associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 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: Brown and Joseph, Ltd
State: VA

Complaint narrative:
I had a business insurance policy with XXXX for 1 year that was paid in full. After a year, they invoiced me a bill for a renewal policy without my agreement or signature. After contacting them regarding this mistake, they said, to send documentation of my current policy with another company for the period questioned and they would look into reviewing it to cancel. If not, it is automatically renewed. I contacted them 3 time regarding this mistake. They have now referred invoice to a collection agency for none payment of {$100.00}. I did not request for this renewal policy or sign any documents. This is unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
Calling XXXX Times a DAY between XXXX and XXXX, for the last XXXX weeks. I am only XXXX weeks behind on the rest of my payment of just over {$70.00} ( I paid most of it on time but did n't have enough on hand to cover it all ) This is awful, distracting, I 'm unable to focus on my work and what 's worse is that it 's automated so it fills my voicemail with the same message!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: Pathfinder Credit Services
State: TX

Complaint narrative:
There is an item appearing on my credit file under Pathfinder Credit Svc XXXX this is unknown and reporting as owed {$5900.00} and the last payment made was XX/XX/2010. I have disputed and requested validation nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. no notice was ever given which is also a violation and am requesting that ALL inquiries below be REMOVED. 
XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016

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 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
This is a follow up on complaint # XXXX since I have received a reply from the XXXX Dept. at the XXXX that I am attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: TX

Complaint narrative:
Gatestone continues to call my workplace to collect a debt of {$110.00} from XXXX. XXXX has indicated to me that this was a mistake and they will correct the issue and send me that in writing. I have told Gatestone not to call my workplace phone and to send me their concerns in writing. They continue to call but I have not received anything in writing.

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 non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: WI

Complaint narrative:
We traded and leased a new car from XXXX XXXX in XXXX, Wi on XXXX XXXX, 2016. As with any vehicle purchase agreement, the dealership ran a variety of credit approvals and created numerous documents for this transaction to occur. We secured financing from XXXX XXXX XXXX XXXX XXXX XXXX for our new vehicle and took delivery of it XXXX XXXX. We were told that ( Ford ) would be contacting us shortly ( XXXX3 weeks ) with a payment book. No contact happened. Concerned by the lack of contact, we phoned Ford on XXXX XXXX and again XXXX XXXX and again on XXXX XXXX. Each time they searched their systems and could not find our name, car ( vin # ) or transaction. " We do n't have any record in our databases for your name or for the VIN number '' Explaining the situation we were told " be patient, perhaps there is a delay '' On XXXX XXXX we received a letter from Ford credit saying that we were behind in payments and owed two months and were being reported to credit bureau for late payment. We contacted the contact in the letter and immediately paid the past due via electronic fund transfer. On XXXX XXXX we received another notice saying we were being reported to credit agency. This was after the monthly payment. XXXX car payments in two weeks by electronic deposit. 
XXXX XXXX XXXX Company has completely failed internally to handle our sales transaction! Most importantly they have caused undue stress and damage to our credit rating by making false reports! Unacceptable! And when contacting XXXX again about this, their response is : " you can contact the credit bureau and request a change '' Complete XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Credit Service, Inc.
State: UT

Complaint narrative:
I received a call from Asset Recovery Associatesfrom ( XXXX ) XXXX. I was asked to verify my name and Last name. I asked what this was about and was advised that if I was XXXX XXXX I was being called to settle an account with XXXX Bank opened XX/XX/XXXX and Defaulted XX/XX/XXXX. I asked if they had any information on the original Creditor as I do not recognize that name on my credit report. I was advised that the account was ready for Judgement submission on my credit report in the amount of {$2400.00} and I could stop this action from their lawyers if I settle as they would remove {$800.00} in interest. 
I asked for something in writing from Original Creditor as the female representative advised that this account had gone through XXXX creditors and was legally purchased through their Federal guidelines following the FDCPA. I asked for their FDCPA license, she gave me the following : FDCPA 017.021.107. She stated that they were licensed to collect in the State of XXXX, I quickly expressed that I needed to see more information and was asking for formal dispute process. She stated that they had received an affidavit from the original creditor stating this was a valid debt. I explained that I appreciated that they had that information, but I was concerned this could be a scam due to the fact that I had never opened an account XX/XX/XXXX ( i was XXXX years old at the time ) and I was not sure if they had accurate information. She stated that she had my credit report in from of her and verified my XXXX address at that age. I explained that i would not confirm any additional information and I wished to speak to a supervisor. I needed to know the original creditor as I would need to contact them to verify how this would be communicated to me as a judgement and I never heard of this account before as I had been in a position to monitor my report on a regular basis. 
I was advised that the Manager was unavailable and I would need to settle or I would be taken to court and judgement filed against me. I expressed frustration as I was not given more information on how to contact the creditor or their office. She stated that she would forward the affidavit to me, and proceeded to attempt to get me to settle for a reduced amount. I asked if she knew when this had defaulted and if she was aware of the statute of limitations for XXXX or XXXX? She became irritated with my inquiry and stated that the account was defaulted inXX/XX/XXXX. 
She stated that If i was unable to cooperate towards settlement she had no choice to give this information to their lawyers for judgement. I asked for her name and her Managers name and I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: EZCORP, INC.
State: FL

Complaint narrative:
EZ Money Loans had a person by the name of XXXX XXXX call my wifes phone. Said he was a state attorney for XXXX XXXX texas. i called the XXXX XXXX district attorney and asked if he worked for them as a state attorney and he does not. he said there are XXXX felony charges being pushed against me and also a failure to appear. said i would be expedited from my home to texas and imprisoned. this person was trying to extort money from me off a payday loan in which i lost my job and could not pay it back. the loan was taken out when my account was active and working. he said their company tried XXXX times to charge the account and it was sent back as insufficient funds and the XXXX time it was sent back because the bank closed the account. he threatened my pregnant wife to have me pulled from my home and put in prison over a {$600.00} payday loan from XXXX 2013.

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 2016-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
A company called Winnpointe is engaging in deceptive mortgage practices. They are advertising a 2.875 % fixed rate for the life of the loan without clearly stating whether it 's a 30-year loan or a 15-year loan. This is trapping consumers into calling thinking this advertised rate is for their 30-year loan and is against TILA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: Brown and Joseph, Ltd
State: OR

Complaint narrative:
Our company, XXXX XXXX , XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, Brown & Joseph, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX ( an advertising company based out of Utah ). On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of Brown & Joseph demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX , XXXX, stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.

Company response to consumer: Closed with explanation