vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Berman & Rabin, P.A.
State: KS

Complaint narrative:
The person ( XXXX XXXX ) called and identified herself as an attorney. She demanded personal information from me, such as birth-date, phone number, address, etc. but would not tell me why she was calling. I asked man times for her to tell me but she said that because this was a lawsuit she had to verify personal information. She was very rude and harassing. She intimidated me into giving her personal information and them identified herself as a debt collector. At this time she told me she was recording the call. She told me that I need to pay in full at this time. I told her I was n't sure about this debt and did n't know if it was mine. She demanded it to be paid in full. 
I believe that she can not represent herself as an attorney and that she must let me know the call is being reordered. She was threatening about what would happen if the debt was not paid in full. The company she is with is called Berman-Rabin and the phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
I put in a complaint against XXXX XXXX XXXX, PBCM XXXX in XXXX and I asked them in the complaint " Also before they send anything to my credit I need someone to work with me on making small payments until I am able to make larger payments because like I keep telling them I unable to make big payments because I do not make enough. '' PCMB response was " XXXX outstanding student loans were purchased by XXXX : ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4400.00} ; and ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, balance of {$4500.00}. 

The number that called you was from PBCM 's XXXX office. The XXXX number is from PBCM 's XXXX office, which your accounts were transferred to. 

We are willing to accept monthly payments of {$15.00} on each account provided the first payment on each account is received no later than XXXX/XXXX/2016. We will continue to accept monthly payments provided that they are made in a timely manner each and every month. In addition, the payment arrangement is temporary and will be reviewed periodically for an upgrade in monthly payment amount. '' I checked my credit on Monday XXXX/XXXX/16 and the XXXX accounts are listed as Open and in collections. I called PCMB on Monday and spoke to XXXX XXXX ( General Manager in the XXXX office ) My payments were received XXXX/XXXX/16. I pretty much explained to him everything that 's stated here he said he would pull my file and him or his QA would get back to me by the end of the day. No one called me back on XXXX/XXXX/16 so I called back XXXX/XXXX/16 and the receptionist XXXX told me XXXX XXXX was in a meeting for 15 minutes and would get back with me after the meeting. He called me back and I had to call him back due to my phone having issues. I spoke to XXXX XXXX and was informed that XXXX XXXX. ( VP of Operations in California ) would call me by the end of the day and he has forwarded all of my information to him by email. No one has called me back again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: LOAN TO LEARN
State: PA

Complaint narrative:
In 2007 I took out a student loan with Loan to Learn to help with my attendance at XXXX University XXXX. The loan required me to obtain cosigners and my grandparents agreed to do so ... never did we expect the scenario to turn into the nightmare that it has been. My loan is currently in a delinquency status with Loan to Learn and was passed to a debt collection agency called XXXX XXXX XXXX. I have been trying to reach an affordable amount of money that I would be able to pay toward this debt and the debt collection agency has been dictating to me what amount of money they will accept which is XXXX per month which is unfeasible for me. I did more research as to how my account became this way and it was due to the fact that my account was placed into collections as of 2007 ( which is we signed for the loan ). This information was shared with me from XXXX as well as XXXX XXXX XXXX. My grandparents ( the cosigners ) have been harassed countless times and most recently have been hung up on when speaking to representatives from Loan to Learn. The original contract/agreement states that payment is to be remitted until graduation and that after graduation my cosigners are to be removed. I have made countless calls ( and have kept the logs ) in which we ( we being Loan to Learn and XXXX XXXX XXXX ) spoke specifically about how to attack this situation so that I Can afford the payments and get this delinquency status off of the loan. I am NOT trying to escape making payments ... I am trying to make an affordable payment and that it in turn release my grandparents of this agony and stress as well as reflect as an account that is being paid on time. This loan and its company has been nothing but a headache. Neither Loan to Learn nor XXXX XXXX XXXX are willing to work with you to make repaying a debt feasible. I have even spoken with the Credit Bureaus and received instructions from them and both Loan to Learn and XXXX XXXX XXXX ignore those request as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am currently in the process of trying to avoid a foreclosure by selling my home. I did n't want to sell my home but Fay Servicing would not approve me for a modification. After 6 months of a loan modification review I put my home on the market to avoid a foreclosure. Fay servicing in not giving enough time to go through the transaction process. They have refused to stop my sale date while I was in the middle of getting the sale through the escrow process. We have a serious buyer who want to purchase the home. This is not a short sale, and Fay will be paid in full plus the foreclosure fees. I am a Veteran and now have to go to legal services to file a bankruptcy to stop the sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I was supposed to the rent paid by Money Gram in the month of XXXX 2015. The rent was late, and I contacted the renter, and she informed that she sent in by XXXX. She contacted Money Gram and they informed that the check was cashed by an unknown person that stole the check that was in the mail. She contacted the local police department. The check was CLEARLY adulterated and Money Gram cashed the check. Now, Money Gram refuse to refund the funds stolen, and is charging {$35.00} per page of the police report to open the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
XXXX XXXX VIOLATED THE DODD-FRANK ACT ON ME AND ALLOWED ME TO BE SCAMMED FOR XXXX IN US.DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC.
State: FL

Complaint narrative:
My insurance company paid the bill. The issue is at the time of service they assured me they were in network and if I am in network the insurance company would pay for the entire XXXX If I am out of network they do n't The agent at the desk upon sign in assured me they were in network. This was fraud and misleading as I relied on their statement or I would n't have done the XXXX with them. They have been paid by my insurance company per the negotiated rate I do not owe any amount beyond what they paid if they were in network which I was assured they were at the time of service. I am requesting the debt collector to CEASE their attempts to collect a bill that I did n't not agree to pay.

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
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was advised by Collection Attorney not to go to final Court Date. 
I was never notified of final court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: JP RECOVERY SERVICES, INC.
State: OH

Complaint narrative:
JP Recovery Services has sent me a letter attempting to collect a medical bill for allegedly {$70.00} for XXXX XXXX. I do not owe this amount and the debt is not valid. Insurance coverage does not require a copay for these visits. This is incorrectly billed to me. Furthermore, the XXXX XXXX misdiagnosed a medical condition from XXXX XXXX thru XXXX XXXX. The malpractice has resulted in : - Visits that do not require copay ( but I was billed incorrectly for ) - XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX. 

I took auto loan with TOYOTA FINANCIAL SERVICES for a new TOYOTA RAV 4 from XXXX Toyota, XXXX XXXX. and never missed a single payment and always paid little more. 
I was in an accident XX/XX/XXXX and the car was a total loss. I already made payment for XX/XX/XXXX payment. My auto insurance paid XXXX XX/XX/XXXX i.e. XXXX % of the total loan value and I did file for GAP insurance claim on time for the remaining amount of XXXX My GAP insurance paid off the remaining and amount and thus my complete loan was paid off date XXXX/XXXX/XXXX. 
Today dated XX/XX/XXXX, I checked my credit report and TOYOTA FINANCIAL SERVICES reported a late payment and it dropped my credit score by XXXX points. I am under immense stress. I in need URGENT and DESPERATE help resolving the issue. 

Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I opened an account with MoneyGram to transfer money to XXXX online. Money is transferred from my checking account. On XXXX XXXX I transferred {$700.00} dollars to XXXX online using MoneyGram website. On XXXX XXXX {$1000.00} was taken from my checking account. However, only {$700.00} was transferred. After several calls to the customer service and written complaint online using MG link no resolution was available. On XXXX XXXX MoneyGram cancelled the transaction and returned only {$700.00} which I picked up from an agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.

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 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Asso, LLC. is attempting falsely to collect a debt already discharged via bankrupts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
I had a toyota XXXX on lease since XX/XX/XXXX. I was three months behind.I called XXXX to verify a check was being sent out on XXXX for {$670.00} from my church. The guy noted my account. But noted it wrong, said I told him my church was paying pay due amount which would of been {$1000.00}. I never stated that. On XXXX I called to let Toyota know the check was in its way N I wanted to make a payment to being my account current. They said we are only excepting cash through XXXX XXXX or atm ... I said ok I want to pay the XXXX since the check is already in its way. They said no we ca n't except the check you need to call the church to put a stop payment on it. I said excuse me, that 's crazy. She said you should reach out to family and friends for help.So I called my mom got the money its still the XXXX, I call back to make the full payment of XXXX $ the lady said no we are not taking any payments, I said what why not you Told me to call when I had the money, I 'm calling. She then put it in repo status. which is crazy when I was paying with a debit card. I called the next day on XXXX n tried to make the payment thinking I would get someone else nope same person and still would n't take a payment, there was no reason as to why she would n't take the payment. On XX/XX/XXXX my car was repoed I called and asked why they said because you failed to make payments or to bring it up to date with payments. I said excuse need I have been in contact with you since XXXX n before that date ... .. Now they want me to pay the full amount of the vehicle which is XXXX $ Which makes no sense cause I was trying since the XXXX to bring it to a XXXX balance and the customer service reps kept telling me no they not taking a payment ... Now how is this even right too tell someone no if the car want in repo status but then repo the car n ask for the whole purchase price when it 's a lease? I do n't understand as to why I was denied a payment give days straight, I understand I had difficulty paying but it 's not like I totally avoided them I was in contact with them monthly and if not weekly ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Continuous calling throughout the day. Continuous calls after XXXX. Caller requests contact with me and will not leave message for call back. Caller will not provide the debt subject to determine if valid and when questioned - the caller disconnects the call! Extremely rude and short and then hangs up after calling repetively!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am getting REPEATED calls for debts I do not owe that my ex-husband owes. Every time his debts get sold, the calls start again. 

Today I received call from Portfolio Recovery Associates. I asked them to remove my name ... .My ex has never used this number, I am remarried and now have a different name. I am sick of being dragged into his nonsense. 

At the same time they were calling me they called my MINOR son. My son is XXXX years old. They have no business calling a child and dumping his father 's mess on him. I had them remove the number and told them if either one of us receives another call, I will sue them. 

My son is a child, he has been through enough because of his XXXX father.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Debt collector actually owes me a refund. I have been repeatedly told since XX/XX/XXXX that they have refunded the money. Mailed to wrong address, returned to them, deposited to my account, mailed to my home. I have still NOT received the refund. Check was supposedly mailed from XXXX to XXXX, still have NOT received it. They refuse to supply a check number or verification of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This recovery company continues to call ( over XXXX months ) asking for a " XXXX '' ( no one of that name resides here ). It is a debt collection company, and they wo n't take me off their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I had a Toyota Corolla that was repossesed due to me losing my job and not being able to make payments back in XXXX. I filed bankruptcy in XXXX and this was included in it. It is still showing that I owe them and it is still open. How is this possible? This bill is 6 years old and it is affecting my credit due to this still being on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Repeated calls up to XXXX each day. No messages are left

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I was being called on my mobile number as early as XXXX after telling them numerous times to stop. I notified them verbally on at least XXXX occasions and the calls did not stop. They were making up to XXXX calls per day. I was told that it was an auto-dialer and they had no control over it. 
After I retained an attorney to sue them, they escalated their efforts to keep me current on my auto loan payments and continued to make phone calls even after the attorney notified them. If I fell behind at all, they notified me of default. I have always made the payments, but have regularly been 30-60 days behind. In XXXX of 2015 they initiated a repossession. I was able to make full payment at that time but have since been late making subsequent payments. After I retained the attorney and he notified them of the law suit, they stopped calling me but continued to send statements by mail. On XXXX morning, my car was repossessed. I am behind XXXX payments. I was not notified by certified mail as required by law. The tow operator trespassed onto my property and pushed my vehicle into the street and then towed it away. The local police were not notified and the tow operator made quite a scene banging on my door multiple times at XXXX and pushing my car into the street in a quiet residential area on a holiday. The practices overall of this company are shameful. I understand that I was late on my payments, but has ALWAYS been late on my payments. Why this would make XXXX XXXX 2015 any different is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have asked repeatedly for them to stop calling and take my number off their list. They need all my info including my name to do this. Would not give it to them. Still calling. I pay for my minutes and they refuse to stop. Help ... ... .This is Portfolio recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I opened a XXXX XXXX account with XXXX on XX/XX/XXXX and enrolled in their XXXX debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. 
This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.

Company response to consumer: Closed with explanation