vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I applied online for a loan with Rise Credit on Monday, XXXX XXXX, 2015. At the end of the application process, it stated that I needed to provide additional information and was given a list of additional documents that were needed. I provided the following documents : copy of driver 's license, social security, XXXX award letter and 2015 XXXX. After I submitted the documents, I kept getting emails from the company stating I needed to submit additional information. I had to submit my social security card twice, and the XXXX award letter. Then on Wednesday, XXXX XXXX, I received an email from the company that all my documents had been received and I would have a decision that day. As the end of the day approached and I had not received a decision, I contacted the company again to see what the status was. I was told that my documents were in the reviewer 's inbox and it would probably be the next day before a decision could be made. On Thursday and again today ( Friday ), I contacted the company for the status again and was told no decision had been made and that it would be another day. I was also told on Thursday that after 10 days the application would automatically be cancelled if no decision was rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: IL

Complaint narrative:
I received XXXX mailed statements from Dynamic Recovery Solutions ( XXXX XXXX XXXX, XXXX, SC XXXX ) for collection of a debt to a company I 've never heard of with a made up account number. I 've searched all XXXX companies listed ( sender, original creditor and current owner ) and finding nothing but scam-related information. The other companies listed/involved are XXXX XXXX and XXXX XXXX XXXX, XXXX. Their statement shows them as being accredited though the XXXX, XXXX and being XXXX compliant, and I was n't able to find a XXXX listing anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Radius Global Solutions LLC

Complaint narrative:
I am receiving frecuent calls from this number. I do not know the person contacting me but i suspect its a debt colection agent in representation of a debt collection agency which bought my debt at a lower price than what i owe. Buying debt specially at a fraction of the cost is an illegal act and its usury. I understand that every 7 yeard debt must be discharged and this has not happened. I cant pay that debt since I do not have a job that pays enough to get rid of the debt. I am under XXXX as well since the economy drove me to be on federal aid since there is no job opportunities nearby and im not willing to go out in exile to the usa to work there. I do not earn enough get out. Please make them stop i dont like the harrasment and i was very clear as i am not taking any calls and i am not going to pay the debt because i am broke.

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 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
After 2 years of service with no issues Coinbase closed my account for no reason and furthermore refused to give me a reason despite dozens of request through their support channels. I first signed up with them XX/XX/2014. By forcing me to sell my bitcoin I missed out on hundreds of dollars in gains in the market and lost the ability to use my shift debit card that I paid {$20.00} for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: IL

Complaint narrative:
I submitted an application for a loan at rise credit on Friday the XXXX of XXXX was approved in regards to waiting proof of income in which I also submitted on Friday the XXXX of XXXX and again on Monday the XXXX of XXXX. I 'm filing this complaint against the company because they advertise if approved the money would be into my account as early as the next business day and today is the XXXX of XXXX and the money has not been deposited into my account yet nor have I had the opportunity to complete the final steps of my application. This, I believe is false advertisement. ( See attached documentation. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I do not have knowledge of this debt that is trying to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
My wife and I had a lease w/ Hyundai Motor company. After the lease was at term, we turned the vehicle into the dealership we purchased it from. Shortly after, the dealership contacted us and said that they had decided to purchase the vehicle for the amount left owing and we should not be due any further charges. We then received a bill XXXX XXXX for {$400.00} for disposal of the vehicle. I called and asked their Lease End dept. to ask what the charge was for and they said its just part of the contract and if I did n't pay it, they would charge it off and put it on my credit report. Im going to pay the bill but I think Hyundai is charging customers for something they are not incurring any costs for. How many other XXXX customers are being charged for the same thing? I would like for someone to look into this because i dont think its fair and I would like my money back without my credit being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Mariner Finance XXXX is reporting a debt on my credit file. The debt belongs to a family member. They sent a check in the mail to my step daughter in her name for {$710.00} and she cashed it at her bank. She failed to pay the debt and after they failed to get payment from her they attached it to my social security number and changed my name on my credit file to her name. We have disputed the fraudulent debt with XXXX twice and the cfpb once, and they fixed it. Mariner however is still reporting it to XXXX under my social security number. XXXX has investigated it twice and are still saying it 's my debt. I have never been a customer of Mariner Finance and believe they have obtained my social security number, and are fraudulently and with malicious contempt to collect a debt under false pretenses

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 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX and financed it through Hyundai Motor Finance. All was fine, I never made a late payment which was due on the XXXX of each month. 
In XXXX my husband was out of work ( self employed XXXX ) and I was unable to make my car payment on the XXXX of the month. I called Hyundai and asked them if I could change my payment date and they said " no '' due to me making a previous date change months before. I told them the situation and then told them that I would have to make the payment XXXX weeks late until ... I made XXXX payments on the XXXX of the month and was hit with XXXX each {$20.00} late payment fees. I told them I would n't pay them or they could put those fees at the end of my loan and we would discuss it. They again said " no ''! Now I 'm gettting collection phone calls at least XXXX times a day! Sunday morning at XXXX up until almost XXXX at night. I 've told them repeatedly and I 've emailed them that I was not going to work with them when they could n't work with me! I am now able to make my payments by the XXXX again and have done so, but I 'm still getting these calls. 
Why ca n't a finance company make this change for a customer that has NEVER made a late payment, has a good credit rating etc? They told me it was against the law in the State of Virignia to do that. No it is n't! I get XXXX changes in the lifetime of the contract and I 've only made XXXX! 
I would appreciate any insight that you may have have on this. Thank you very much. 


Motor Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Law Firm of Allan C. Smith
State: PA

Complaint narrative:
Filed suit against me in XXXX County Court of Common Pleas. Negotiated settlement with XXXX dollar down payment and XXXX dollar monthly payments. Made XXXX monthly payments on time. Since then have not received any verification that debt collector received my payment, no communication via mail, and phone number is out of service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
In XXXX I inadvertently paid one of the two car loans that Ihave with Hyundai XXXX. When I discovered the error in XXXX, Icontacted then and requested a one month extension for theloan I paid XXXX in an effort to pay the loan that I missed in error. 
They agreed and said they would send me confirmation. I receivedthe confirmation XXXX/XXXX/15 and I received a collection call that day. 
I explained to the rep that I had just received the letter andwould fax it in Monday. He informed me that I had to send itright back or it would n't be enforced and that I could n't do it beforeMonday because that particular office was not open on theweekends. I agreed and he indicated he would not it on my account. 
Every subsequent day after that I received abusive calls about thesame thing. I told them that I had already spoken to themseveral times and did n't need to be reminded every minutethat I had to send the paperwork. My bother passed away andwe were taking care of family business during these harrassingccalls. It was not necessary and I take issue with be harassedso vigorously. Prior to my error, I paid my bill EVERY month. 
Not to mention, this account is not even XXXX days past due. I amvery upset and feel they should be held financially liable. I wantthem to have to recind the entire amount of the loan. I recognize t that they have to protect their interest, but I have to protectmy sanity. They were totally out of line and this shouldbe made an example of waiting a few days to see ifI do n't live up to my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Dear CFPB Staff, This letter is to notify you that I was not able to get a helpful response from KIA Corporation and I am turning to you as a last resort. 
The situation ; back in 2014 I leased a vehicle asking for a 2 year contract. The sales associate and sales manager agreed confirming verbally that it will be only a 2 year period as I was asking. 
After those 2 years and trusting their word, I decided to turn in the vehicle and lease another car for another 2 years. But few months after of having the new lease, I received a letter stating that the 2014 lease was for a 3 year contract. 
I went to the dealer to show them the letter expecting a prompt solution. They suggested me to contact KIA Headquarters. KIA Headquarters said the problem should be fixed at the dealer. A back and forth situation that meanwhile is causing my credit score to be impacted. 
It would have been fair KIA representatives would have let me know about this contradiction when I was turning in the first lease for me to not proceed and to avoid all this trouble. This day, XXXX different people thanked me for my business and for coming back again ( sales manager, sales rep., financing rep., service department rep. ) If this situation would have been of my knowledge or brought to my attention that it was a 3 year contract, I would n't have had return that vehicle until its due date. I would n't have had lease another vehicle. I would n't be writing you this letter at this moment. 
I respectfully ask for your assistance, please.

Company response to consumer: Closed
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
My husband has a loan out with Mariner Finance at the XXXX, Florida branch. We are behind on this account because he was out of work for 11 weeks due to medical problems, which they are aware of. We are working on getting all of our affairs back in order but it is a long process. My name is no where on the loan with him i am only down as a reference for him with my cell phone number listed as my contact information, however XXXX XXXX, an employee there has been told at the minimum of five times not to call my place of employment. They have continued to call my place of employment after my boss, several other employees, and i myself have told them not to call my place of employment. I called them back today XXXX/XXXX/2016 to speak to the manager XXXX XXXX about the situation of them calling repeatedly after being asked not to, she said that it was never notated in the account and was VERY rude to me about the situation when the loan does n't even belong to me, I am only a reference on the account. This is not good collection practices and certaintly needs to be addressed!. Thank you

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 2015-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Critical Resolution Mediation LLC
State: MO

Complaint narrative:
Debt collector called me threats to send me to jail never states the call recording or the fact she is a debt collector. Told me I had my end of week or police and state will prosecute me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2015-07-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This is now the third time in the past year that either my husband or myself has n't been able to get our free annual credit report on-line. This time, it was the Equifax report -- their web site says " We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet '' and I have to do it by postal mail. That 's a huge amount of additional work, plus some expense -- and there 's no explanation what-so-ever of why I could n't get it online. Each time we 've gotten that message in the past, once we finally got the report, we checked it carefully, and found no errors which might explain why the on-line request failed. So now I 'm told I have to go through that process all over again to get my report. There should be some way to find out why the on-line request is failing, so it can be fixed. ( I 'm beginning to wonder if they make it fail, so they do n't need to supply the report at all -- I 'm sure thatmany people, when faced with what needs to be done to get it mailed, just give up. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 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: TN

Complaint narrative:
I contacted XXXX to discontinue internet service on XXXX/XXXX/16. I was told at that time I had a credit balance of just over {$77.00} and would receive a check in approximately 4-6 weeks. I turned in equipment to the XXXX XXXX office in XXXX TN on XXXX/XXXX/16. When I asked the lady who I turned the equipment in to if I had any outstanding balance, she said I had a {$77.00} credit and should receive a check in 4-6 weeks. I was shocked when I received a call from Afni Inc on XXXX/XXXX/16 saying they were trying to collect a debt from XXXX for {$32.00}. i have contacted XXXX twice already to get an explanation of why my account was 1 ) turned over to a collection agency when I had been told through two different XXXX resources that I had a credit balance ; 2 ) had an autopay on my account so that any outstanding balance due on my account should be charged to the credit card I had set up and had used for an extended period of time while I had service with XXXX. This is the second time I have had issue with XXXX either charging for services not received or turning a balance over to a collection agency when either no debt was owed or any balance due was misrepresented by XXXX representatives. Neither of the XXXX representatives have responded as to why my autopay method was not used if there truly was an outstanding balance after I was told by two resources of having a credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a home equity line of credit. The line was closed and the the amount of the money borrowed from the line was created into a new loan when the house the line was associated with was sold. I have made the agreed upon monthly payments since the terms of the new loan was established. This loan is reflected as being " charged off '' and " delinquent '' on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16 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: AFNI INC.
State: WA

Complaint narrative:
When I changed my residence, I tried to transfer my internet account from my old residence to my new. I called XXXX, and requested a transfer. Instead of doing what I requested, they opened a new account and left the old account active. I did n't realize this at first and started receiving notice for late payments. I would pay them, thinking I had made a mistake, and the next month I would receive a late statement for the alternate account. Many months later I realized the different account numbers, inquired to find the issue, and called the company. After many phone calls and emails, my complaint was sent up through their company for review. They came back apologizing, gave me a check for the wrongful charges, and assured me that both accounts would be closed. For a few years I heard nothing, then XX/XX/XXXX, a collection agency AFNI contacted me to inform me that I owed them {$350.00} for and account I had with XXXX. The same account that was fraudulently created. I called XXXX and emailed a complaint. I got a response back again admitting it was an error, and saying that AFNI would be informed and called off. It is now XX/XX/XXXX, I tried to apply for a home equity loan and was denied because the XXXX issue still is n't resolved. My credit score is wrongfully low, and this is now affecting my future. I need this loan for my divorce, or I will be forced to sell my house. I contacted XXXX yesterday, and my account is still showing I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX 2016 with a starting balance of {$70.00} I made a cash transfer from a regions account of {$600.00}. On XXXX XXXX I made another transfer into the account of {$100.00} to bring the cash balance to {$770.00}. I then proceeded to make purchases of {$580.00} and the bank conveniently charged me {$140.00} NSF OF Fee plus {$15.00} OD protection fee leaving the account with a balance of {$33.00}. Other transactions totaling {$130.00} were processed after that and then over drew the account {$99.00}. The bank then charged more fees of {$210.00}. Had the bank not charged me {$150.00} worth of fees then the other {$130.00} transactions would have been paid without any fees. In essence the bank robbed me of {$370.00} for having money in my account. I called their customer service department and they told me they can not give me a courtesy refund when it was clearly a bank error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NATIONWIDE ACCEPTANCE LLC
State: CA

Complaint narrative:
I surrendered my vehicle in a bankruptcy that was discharged in XXXX of last year. The lender has refused to pick up the vehicle after repeated calls. I could n't afford to keep the car registered so the California XXXX put a levy on my bank account via the California Franchise Tax Board. I have {$0.00} in my bank account and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: EOS Holdings, Inc.
State: MO

Complaint narrative:
There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help

Company response to consumer: Closed with explanation