vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
THE HYUNDAI FINANCIAL SERVICES SENT MY ACCOUNT TO COLLECTION AGENCY WITHOUT SENDING ME THE BILL THAT I OWE AND NEED TO PAY TO HYUNDAI FINANCIAL AND WITHOUT GIVING ME THE NOTICE THAT IF I WILL NOT PAY THE BALANCE THAT I OWE THEY WILL SEND IT TO COLLECTION AGENCY. SECOND THE COLLECTION AGENCY NEVER SEND ME ALSO A LETTER OR NOTOFICATION BY MAIL. UNTIL ON XX/XX/2016 I RECEIVED A CALL COLLECTION AND I WAS SHOCKED SINCE I AM NOT AWARE ABOUT THE DEBT. IT WAS A LEASE CAR THAT I RETURN AND THEY ARE COLLECTION THE WEAR AND TEAR AND THE INSURANCE IS RESPOSIBLE IF PAYING AND I DID FILE THE CLAIM. BUT IRREGARDLESS OF WHO IS RESPONSIBLE OF PAYING. THE DEBTOR NEED TO SEND A BILL OR NOTIFATION AND CALL THE CONSUMER

Company response to consumer: Closed
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
They call multiple times every day, from different phone numbers. I have blocked over XXXX numbers. There are at least XXXX messages left daily. I can block the call, but I ca n't block the voicemail messages. They are also leaving messages where they hang up after a saying hello numerous times. Please. Make The Cash Store Stop Calling Me Everyday And Leaving Multiple Messages. 

THANKS IN ADVANCE

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 2017-02-14 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: Holloway Credit Solutions
State: AL

Complaint narrative:
Holloway Credit Solutions left a detailed message on my work voice mail mentioning me and a debt I owed. I want them to stop. I thought this was not legal? I sent them a letter of asking what this was for with no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
Outrageous interest rates and unmanageable payments not ONCE a month but TWICE!! Their goal is to keep you in debt, the payments are so high you ca n't afford extra payments!!! They claim interest rate goes down but absolutely not true!!! XXXX for a XXXX loan for XXXX month all interest! Have made numerous attempts to settle and have been ignored!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: MD

Complaint narrative:
I spoke to XXXX from Fidelis Recovery Management ( XXXX ) XXXX/XXXX/16 XXXX about a past due balance on an old MasterCard we came to a settlement amount of {$510.00} that would be made in 3 payments via debit card I made the first payment over the phone on XXXX/XXXX/16 the following dates we agreed on for the next two payments were XXXX/XXXX/16 and XXXX/XXXX/16 to close the account. On XXXX/XXXX/16 an unauthorized payment went through my account for {$170.00} I called XXXX and requested the funds be returned asap as I had a check for my electric bill that would post to my account anyday she replied that she was going to get fired for running the payment on the wrong date and asked if she could keep the money. I told her losing her job is not my concern as we agreed on the dates of XX/XX/XXXX and XX/XX/XXXX she said she would call her manager and call me back in the afternoon. I did not get a call from her that afternoon. I called the next day she said they are still trying to figure out how to get my money back it is now XXXX/XXXX/16 and I have not heard back from the company or received my funds back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Risecredit, LLC
State: TX

Complaint narrative:
I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
The original creditor did not submit bill to payment to the right insurance company, and were unable to locate the bill so payment could be sent to them. I referred all of the credit collection agencies to contact my insurance company for payment which they did not do. 
I have paid my co-pay that was required by my insurance company. XXXX credit collection companies have sent delinquent status letters and put this debt on my credit. I have a notice showing that I do not owe anything, but they continue to harass me. XXXX XXXX, XXXX has several companies that are repeating these tactics and have had to remove the debt even knowing that the debt is not under collection. The following collection companies and owned by XXXX is XXXX, XXXX XXXX XXXX XXXX XXXX, and now Dynamic Recovery Solutions. These companies have been shown proof and now are just harassing me now and I do not know what to do to get them from doing this on each company that XXXX XXXX owns. How is this legal? I have notified you concerning this problem and was told that I did not enough information to open a case. Please take care of these people from doing the same to them to. I am on XXXX and have good credit but XXXX is causing me in trying to get a decent interest rate on a auto loan, and a refinance on our home. I have proof of the bill showing XXXX on the bill, that each of these companies have received to them and contacted all of the credit agencies to get these items off my credit report. This is harassment especially when I have sent proof of evidence. You are my last hope in helping me get this resolved and prevent this company from doing this to someone else. Thank you for taking the time and hope we can get resolution to my problem.

Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
received collection notice from Dynamic Recovery Solutions XXXX XXXX XXXX XXXX, SC XXXX i dont owe the debet they claim as well looked them up online and noticed many consumer complaints regarding this company in which they were eith phishing for data, collecting old debet, and debet not reconised by the consumers as well pulling up credit reports without concent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I took out an installment loan in XXXX XXXX, the loan was for $ XXXX.To date I have paid well over {$6900.00}, almost three times the principle. I still owe close to {$3000.00}. Prior to accepting the loan I did read the " fine print '' but it was not easy to understand. It was not explicit stated that the monthly payments would be going to the interest and not to paying down the principle, making the loan impossible to pay off quickly. 
I called and spoke to a customer service agent on XXXX XXXX, XXXX ( the call was recorded ) and asked specifically for an amnesty on the remaining balance because I am having a hard time paying on this exorbitantly high interest loan for over 12 months. I also explained to her that to date I had paid almost three times the principle, she said " no. '' The fine print on this loan document was written in legalize that the average lay person could not possibly understand. There are many more months left on this loan ; in the end, the total paid before it is satisfied will be over {$9500.00}! Paying {$7500.00} in interest for a {$2500.00} loan is outrageous and should be illegal. 
Again, the " fine print '' was not easy to understand and I did not understand EXACTLY how much this installment would cost me. I have paid off the principle three-times over and the rest should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: WA

Complaint narrative:
Debt was paid by Veteran Affairs. Since that payment made this debt has been turned over to XXXX different Collection Companies, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX. It was turned over to XXXX XXXX XXXX. It took XXXX letters informing them that the bill had been paid by the VA had paid the bill. With both letter I enclosed the letter the VA had send to me, stating that the bill had been paid in accordance with Fee regulations, that the amount was payment in full, and that they could not seek additional payment from me. The last letter was sent to XXXX in XXXX 2014. When I got my credit report in XXXX 2014 I noticed that in XXXX XXXX had reported a delinquent account to the Credit Bureaus. So I sent a letter to them along with a copy of the VA letter. Now I have got a notice from Dynamic Recovery Solutions. They state that there client XXXX XXXX XXXX, XXXX is now trying to collect on this debt. I have sent a letter to Dynamic Recovery Solutions and a letter to XXXX XXXX XXXX, XXXX. again informing that this debt was paid by the VA. I have also enclosed a copy of the VA letter. What can be done to stop this harassment, each time this is turned over to a new collection company they report to the credit bureaus a delinquent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: HI

Complaint narrative:
I moved to XXXX, XXXX in XXXX 2011, and established a phone number at that time. I initially received many debt collection calls, but now continue to receive daily robocalls for another person, from XXXX ( XXXX ). The phone numbers they use include ( XXXX ) XXXX, ( XXXX ) XXXX. I have attempted to block their number only to find myself daily robocalled by this same number. 

I have no debts in collection and have never had a business relationship with XXXX. Their robocall provides no mechanism to inform them that they are calling the wrong numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc.
State: OH

Complaint narrative:
They are calling every day always from a different number, never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/2013. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on trans union has been removed because of this divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
XX/XX/2016 I pulled a copy of my credit report. I sent a certified letter on XX/XX/2016 to Military Star which was listed on my credit report requesting validation of this account made pursuant to the Fair Debt Practices FDCPA & 807 ( 15USC 1962e ). I requested that if they could not validate the debt, that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XX/XX/2016 I sent another certified letter to Military Star informing them they had not sent me any copy of viable evidence bearing my signature and that they had not replied in a timely manner to my initial letter. XX/XX/2016 I pulled another copy of my credit report and noticed that Military Star did not add the required " notice of dispute '' verbiage to my account per Federal Law. On XX/XX/2016 I sent a third certified letter to Military Star informing them that they did not furnish the credit bureau 's with the required disclosure within the period required by the law and that they are required by Federal Law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2016. Clearly copies of my credit report dated XX/XX/2016 show no such required entry. XXXX is in violation of the Fair Debt Practices Act by not sending proper documentation requested and furthermore is in violation of Federal Law by not adding the notice of dispute on my account.

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 2015-06-29 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I did n't receive a loan from these people who have now escalated this to a litigation firm ARA. This company has " process '' servers calling me up to XXXX times a day stating I better contact this number to ARA otherwise they will press criminal charges against me for fraudulent checks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
I contacted Trident due to noticing a collection on my credit reports. I contacted them for validation. I was sent a print out of a phone bill from XXXX that I did not recognize. I contacted XXXX who said they have no records of the account. I 've attempted on several occasions to get Trident to validate that I owe this money to them & they have n't but continue to report this collection on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ROYAL UNITED MORTGAGE LLC
State: IN

Complaint narrative:
My credit report show different addesses and names on it that did not belong to me. If was sent to me through Royal Untied Mortgage, LLC. For a XXXX XXXX XXXX Mortgage loan. Was suppose to close on loan around begining of XXXX. What do I do Next?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I received a call today at XXXX XXXX XXXX/XXXX/2015 asking for XXXX XXXX my daughter. The person refused to provide me with there name. I asked if I could take a message he proceeded to say we are following up on a previous arrangement made to remove a summons. If she does not contact us today the summons will be processed and she will be charged and possibly prosecuted. I asked him if this was a collection agency he said no we work for XXXX XXXX we are not a collection agency. I said you are not and your calling from an XXXX number. I know fraud deception when I hear it and I could hear the other reps on calls in the background. I told him not to call again to remove my number they will be reported. He kept talking and I hung up. Why did this fool call me right back saying threatening nonsense. I hung up called the number from my cell the company name stated ARA. First of all he broke every FDCPA law in place for dept collection. He did not provide his name or company name, He provided personal information to a third party and stated he was not a collection agency when they are and he made threats. My daughter needs to be compensated for deception, fraud, and providing wrong and untruthful information to a third party. These people could of called somebody else and stated the same information to them. There phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: NC

Complaint narrative:
Received a letter, dated XXXX XXXX, 2016 from ARA , Inc. ( collection agency ), XXXX. XXXX XXXX, XXXX XXXX, IL XXXX ( no XXXX XXXX addressed provided, indicating they had obtained and now is the legal owner of my XXXX XXXX account, Acct # XXXX amounting to {$1400.00}, which is now due in full. If I do not submit the indicated monies within 30 days, their office will obtain a copy of the judgement and mail a copy of this verification. They stated that the debt and any applicable interest and/or fees have been fully transferred to their office ( transferred from where? ). I have no indication of why they would be threatening to sue because there is no indication in my credit file of this debt. The only gas card I had with XXXX was 15-20 years ago or longer and I believe it was paid off ( if not, definitely not what they are indicating ). After receiving this threat, I researched this company and found out that it is indicated to be a scam that is run by scammers. It has a history of making threats, harassment, intimidation, and bullying consumers. I desire to have no phone contact with this company, only written if indicated because I do not need the frustration and anxiety, having to take care of my military XXXX husband and health issues of my own. The FTC, FBI, and the Justice Department needs to investigate this company to stop them from pursuing apparently old out of SOL debts. It apparently buys debts for pennies on the dollar and illegally makes a large profit. I would appreciate any help that you may provide in solving this issue, as it have been a hardship and much aggravation in my already stressful life. I do not owe this money and I am also filing complaints with the Attorney General of North Carolina and Attorney General of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
I purchased a vehicle in XXXX and financed it with Primus financing the car was voluntarily repossessed because of an accident that occurred, and so I had to pay the balance of the loan off anyway. So from the time that I repossessed the car until it was paid off this was around XXXX I believed that it was entirely pay off I had a statement from them on the stated how much I have paid but it was upwards towards {$10000.00}. So I thought that it had been paid in its entirety. So now XXXX years later I get a letter that states that I owed them an additional {$270.00}. The letter stated that it was from a law firm in XXXX Maryland, This XXXX, MD XXXX. They are charging me {$1200.00} for lawyers fees and court costs, which brought the total to {$1900.00}. So I want to know how they can do this without notifying me of the {$270.00} which I would have gladly just paid off if they had proved to me that I still owed it. Now they are garnishing my paycheck and I only make {$10.00} an hour and they are now taking XXXX dollars a week out of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I ordered an XXXX Watch online from an online from pay pal and I was supposed to get my watch on XX/XX/2017 and have n't heard anything since I made athe XXXX Note to XXXX You have n't sent a note. 
Shipping address - confirmed XXXX XXXX XXXX, OH XXXX United States Total {$99.00} USD Charge will appear on your credit card statement as PAYPAL XXXX Payment sent to XXXX Receipt Sender XXXX XXXX Recipient XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2017 Note : Currently, there are limits to how much the recipient can send, spend or withdraw. To access the full amount on this date, the recipient can link a bank or card. 
Description Amount Payment amount ( in currency funded ) : {$99.00} USD Your total charge : {$99.00} USD Payment amount : {$99.00} USD XXXX fees : {$4.00} USD XXXX will receive : {$95.00} USD Need to cancel? 
You have the right to cancel for a full refund unless your designated recipient has already received the payment. However, since most PayPal payments are received within seconds, you ma

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Party opened paypal account using identity email. Nonconsential transfers

Company response to consumer: Closed with explanation