vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Critical Resolution Mediation LLC
State: CA

Complaint narrative:
I was contacted by this group in XX/XX/XXXX and spoke with XXXX XXXX who stated I had an " installment '' loan. I requested a validation letter, which he emailed me. It had no recognizable information and I replied with a letter stating this was not my debt and to please cease collections. I got THREE CALLS today from a woman representing the same company, she was rude and harassing. I stated I had returned a letter disputing the debt and she said it " did n't matter '' and that if I did n't pay TODAY I would be sued. Left an additional voice mail again stating that if I did n't pay today, I 'd be sued. I believe they are aware this is a false debt and are still issuing threats to attempt to collect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN PACIFIC MORTGAGE
State: WA

Complaint narrative:
I was mislead from the loan officer in stating and guaranteeing my loan would be approved.I was told on several occasions via text, email and phone conversations was loan was being approved however the day before closing my loan was denied. This has caused a hardship for my family and I. My loan officer also shared private personal credit information to my ex husband, real estate agent and sellers real estate agent without my consent. I feel my loan officer acted in an unethical and unprofessional manner. The loan officer did numerous, sometimes daily credit checks significantly lowering my credit score as well making in virtually impossible for me to apply elsewhere at this time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
My wife and I received a two year, same as cash loan from Mariner Finance to purchase a new television from the XXXX XXXX XXXX. We were told that Mariner Finance was going green and all information about the account could be managed from their website, not giving us, the consumer, a chance to opt out of receiving a paper statement. 

After signing up for an online account I noticed the only information on my account was my previous payment and my next payment due. I had no way to see my account balance, payment history, payoff date, etc. I called Mariner Finance to ask where to find that information. I was told that they do not provide that information on their website and the only way to find this information is to call them directly.

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 2016-01-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
Cottonwood Financial sent me a letter dated XXXX/XXXX/16 but they sent it to collections about 2 weeks later, I was never given an opportunity to make arrangements. I received a call from XXXX XXXX XXXX, XXXX of the reps called me a liar. I advised him that I am working with an attorney on several options that may include filing bankruptcy but its not my only which I told Cottonwood Financial and the collection. I do n't know why they sent me a letter dated XXXX/XXXX/16 but sent it to collections 2 weeks later. Why would they do that? The rep at XXXX XXXX XXXX was very rude towards me because I told him I did not know if I could file bankruptcy, he tried to put words in my mouth. One of the options given to me is to pay the company back what I owe them which is {$600.00} and I already gave them {$120.00} so if they will accept the {$470.00}, I will mail them a money order to their corporate address in 3 weeks after this agreement is accepted. This situation is becoming unbearable at this point and I do not want to lose my job over this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have been receiving an inordinate amount of collection calls which I believe to be unnecessary and harassment. Though I have never been more than XXXX weeks late on any payment ( most on time or within XXXX week ), have never been a payment behind and always call the company to let them know I am aware of the situation and on the day I pay either through mail or by phone, I begin to receive calls XXXX days after the due date and I receive them several times per day, at all hours. Though I specifically requested not to call on Sunday they do so and at XXXX XXXX XXXX! I understand the need for collection services and I understand a Borrower 's responsibility to pay, but all this must be done within reason. If I were three months behind or always late or never in communication I would understand. In my present situation and over the past months, both the frequency and timing of the collection calls is inordinate and abusive. Especially on a Sunday XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CREDIGY USA CORP.
State: CA

Complaint narrative:
Contacted my Manager XXXX at my work. They told her if I did not contact them today they would serve me court papers at my job. This debt is more than 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I paid my car loan off on XXXX/XXXX/2015, Kia Finance stated they would send me the title on XXXX. Instead, they sent it to my XXXX XXXX XXXX mother in CA ( we are XXXX on the loan to get lower interest. ) They refused to send it with tracking, and it is missing. They have refused to replace the title that is lost, leaving me no way to sell the car. They said they would send me a lien release, but offer no solution when that gets lost, and they refuse to track the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I traded my XX/XX/XXXX KIA OPTIMA LEASE for a new XX/XX/XXXX HYBRID OPTIMAon XX/XX/XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: OH

Complaint narrative:
RushCard started a system update on XXXX XXXX that was to be complete on XXXX, it has been a week and the update has caused huge problems for cardholders. My direct deposit from work showed pending starting XXXX XXXX, 2015 and posted on XXXX2015, however the card has been showing inactive for a week. When you call customer service if you reach someone, they read this scripted message about a glitch in the upgrade and transfer you to another department which then rings and hangs up or you 're on hold for an hour or more and it just hangs up. I spoke to someone today, she pulled up my account told me how much my direct deposit was, showed it was posted but the card needed to be activated, transferred me to the activation department and the call went on hold for about XXXX minutes and then hung up. Now when you call the automated system has you put in your info, transfers the call, it rings a few times then disconnects. I have bee a RushCard member for a little over 2 years. I need to have access to my money. I have done everything RushCard has instructed me to do with no resolution to this matter. I know that thousands are affected by this and we need some help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SQUARETWO FINANCIAL CORPORATION
State: TX

Complaint narrative:
CACH LLC has default judgment against me for a XXXX XXXX Credit Card debt. I was XXXX served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for XXXX XXXX XXXX I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years XXXX reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.

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 2015-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I do not know this company and never done business with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC
State: CA

Complaint narrative:
I have not been able to pay any bills or pull any money from the ATMSince XXXX XXXX, I had a bill pay deducted from my account on XXXX XXXX which has not been received by my credit card company, If consumers are receiving late fees, possibly a missed payment on their credit report that could be devastating to someone like me who has great credit. Its been 12 days since I had access to my cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
I have not idea what this debt is. I tried to contact National Recovery and they said they sent info once ( which I never received ) and will not sent anything again to verify the debt. How am I just going to pay money to them if I do not know that this really is a valid debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. 
It 's passed seven years and they proceed to attempt to collect on it. 
In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. 
Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. 
Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. 
Now XXXX told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment XX/XX/XXXX. I believe it was charge off by XXXX XX/XX/XXXX/XX/XX/XXXX Please help 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 2016-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SQUARETWO FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a credit card from XXXX. I was XXXX in the space of five years and could not pay what I owed them. Anyway the debt of {$9100.00} went to CACV of Colorado - a collection agency. In the meantime, XXXX XXXX XXXX bought out the original company. A judgment was issued in XXXX against me for this debt by CACV. My medical bills totaled around XXXX dollars so I had no choice but to file bankruptcy. It went through in XXXX of XXXX. My husband died in XXXX XXXX and as a result, I may have to refinance the house. To my utter shock, the judgment was listed against the house which was financed in my husband 's name alone. And the total is some {$320000.00}! I believed the debt to be discharged by the bankruptcy especially since both the original creditor XXXX XXXX XXXX XXXX XXXX and CACV were listed on it. I never heard anything else from XXXX XXXX XXXX but CACV insists that I owe this money - an exorbitant amount considering that the original was far less. I never received any notice whatsoever about any of this - only for the original amount in a letter in XXXX. I never heard from them again.

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 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Brokers Inc.
State: CO

Complaint narrative:
I was ordered to pay on a judgement for Account Brokers of XXXX County. I was garnished and they took {$2000.00} for a {$1200.00} work of debt. I pulled a credit report and show an {$18.00} collection for interest. I was not contacted by them and do n't have any accounts with them anymore or with XXXX XXXX XXXX XXXX or XXXX physicians which were the original medical collections. They have reported this to all XXXX credit bureaus as well. They have also refused to update the credit bureaus showing that I have paid off their collection accounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Delray Capital, LLC
State: OH

Complaint narrative:
Received an automated phone call at XXXX EST today. The message referenced a " recent transaction involving your bank account '' and then a case number was provided. After researching the number online, I found that it was yet another scammer ; they seem to love me. I 'm thinking they might be trying to collect on the same debt as the company in my previous complaint were.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
I have a rush card and they were supposed to be going through a system update just for the day of XXXX/XXXX/2015. I get paid tomorrow XXXX/XXXX/2015 and I have read many reviews that no one had received their direct deposit, and the website and app is down. All rush card phone number does when you call it is ring. This is a big inconvenience because I have XXXX babies and bills to pay. I live check to check and work haRd for my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC
State: KY

Complaint narrative:
I normally have my pay check deposited onto my rushcard every two weeks. This week when I checked the money had been loaded onto a card that i havent used in years. When I contacted customer service i was told there system is down and they were working on this. I have called 4 or 5 times. I have been hung up on and put on hold.Today i was on hold for 2 hours. I have no access to my paycheck at all. I feel this problem should have been resolved over a week ago. They have no plans on reimbursing me for late charges I 'm going to recieve for payments I am unable to make. I just want my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: CT

Complaint narrative:
I ca n't believe a system upgrade on XXXX XXXX, 2015 is still having glitches. It took me 4.5 days to get them on the phone so I can ask what is going on with my account. And when I did get a hold with someone they could n't answer my question. They told me they were working on it. Customer service rep needs training. She got me more upset by having no knowledge as to what was going on. Just that it 's being handled. I asked what the ETA was or a ball park ETA once again I was told I do n't know. I asked a couple days, weeks. months????? Once again the response was I do n't know. They need to get together. Who in the world upgrades their system and not have knowledgeable technical support to fix the glitches. It is now XXXX XXXX 2015, still not resolved. Please hire a real technical staff to fix this or you wo n't have any customers left. This has been frustrating and stressing. I have had anxiety issues over this. This kind of service is inappropriate and disastrous to your business. I want any fees back and credited to my account asap. Also the day of the upgrade it stated I had money in my account, then hours later it stated I had a XXXX balance. I yet still have n't seen where my money went. PLEASE FIX THIS. Hire compentent employees, compentent IT technical support for upgrades.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK
State: CA

Complaint narrative:
I was a customer of Scottrade. Scottrade was hacked over two years ago and has done absolutely nothing to help. The identity theft insurance provided by Scottrade does n't work ( the phone number and sign up page will not access my information ) and even if it did work it is only for 1 year and is not retroactive. 
Scottrade was hacked over two years ago and Scottrade thinks it is appropriate to provide 1 year of NON-RETROACTIVE identity theft insurance that leaves a two year gap, where customer are uninsured and have potentially dealt with very serious cases of identity theft.

Company response to consumer: Closed
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Delta Management Associates, Inc.
State: TX

Complaint narrative:
Delta Management has contacted me via letter stating they are my student loan collection agency and will garnish my wages. I have told them not to call me at work and they have sent fax and called wanting employment verification.

Company response to consumer: Closed with explanation