vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Weinman Acquisition Group
State: TX

Complaint narrative:
This company keeps calling me about a loan that is not lying over 2 years ago I 've asked him to produce documentation about this but you go along and make sure this they have not yet company keeps calling me about a loan that is not mine over 2 years ago of asked him to produce documentation about this but you alone and they to this day have not yet and they keep calling leaving nasty messages threatening to XXXX jail soon me they calm every once house

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NAM National Arbitration and Mediation
State: MI

Complaint narrative:
Hello, I 'm writing to complain about the ADR group. They also go under the name Dispute Resolution Services. Yesterday I received a call from a man named " XXXX XXXX ''. He said he was an investigator with XXXX XXXX XXXX and that I was listed as a contact person for my husband, XXXX XXXX. He told me he would be coming to my house tomorrow, XXXX XXXX, between XXXX with the sheriff to serve summons to my husband. He also said that if he did not receive a stand down order and my husband was n't home, that my husband would be facing legal fines. He did not leave a company name and he did not give the mini-miranda about trying to collect a debt. He did leave a case number and docket number. He also left the phone number of the company he is working for. Of course now I 'm freaking out because I 'm worried that the police are going to come to my house and take my husband in front of our kids ( he would actually be at work during the time of this scheduled visit ). 

I did a little research and found out the company is called ADR. When I called the number back the system told me they were called XXXX. I went through my voice mails and found out they had called me in XXXX telling me there was a complaint filed under my husband 's name and SS # for fraud. When I received this call in XXXX I called them back and asked for number to be removed from their records. Of course they called again. They 've also called my parents with the same scare tactics. 

I do n't think it 's right that they threaten and use scare tactics to try and reach my husband. I talked to a friend who worked in collections and was told that this was absolutely illegal. That they ca n't threaten to sue, ca n't threaten arrest, ca n't misrepresent who they work for. They did all of these things!! Any help would be appreciated and if you need to contact my husband or I, please do! 

Thank so much, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with XXXX.. on XX/XX/XXXX. first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing XXXX, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the XXXX, XXXX assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to XXXX either by insurance or the XXXX & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights

Company response to consumer: Untimely response
Consumer complaint received 2016-11-04 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 SERVICES, INC.
State: MI

Complaint narrative:
The supposed collection agency, Dynamic Recovery Solutions, started calling me around this summer and their calls have gotten increasing in number in the last few weeks. I have a very common phone number that is often misdialed, and I know I do not have any outstanding debts. They also call me from a lot of different numbers with my same area code, but verball leave a different number for me call back in their voicemails. I also do not live where the area code my phone number is from, which leads me to believe they do n't actually know my current address. I have only had one credit card in my life, my only medical experiences were while I was under my parents ' insurance, and I have never missed a student loan payment ( my only debt ). This company has a large number of complaints online from both consumers and creditors for their shady and often threatening practices, including not paying creditors and harassing consumers about false debts.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC.
State: VA

Complaint narrative:
Dynamic Recovery repeatedly called my home. NEVER did they state who they were trying to reach. Dynamic stated that they were a debt collector and to call a number. 
When I finally called the number I asked why they did not address who they were trying to reach, and I was told it was " legal '' and when I pressed the issue, I was hung up on. 
I called immediately back and spoke to person identified as XXXX XXXX. I stated that I was hung up on, and if he did so I would file a complaint. In our short conversation, when I gave him the phone number, which I consider private information, he stated that the call was for a " XXXX XXXX ''. I have had this number for 10 years. I do not know XXXX XXXX. I stated this fact, and asked him why Dynamic could not simply state who they were calling for. He became rude and defensive, talking over me, stating that this number has been " removed ''. When I asked him why MY TIME was wasted calling, for no good reason, he hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Recovery Solutions, Inc.
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for XXXX and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: MA

Complaint narrative:
I contacted FedLoan Servicing via email with no response one week prior then called to follow-up with a phone call to discuss unpaid interest on my account. Spoke with Fed Loan Customer Service, XXXX XXXX regarding my concerns. Per FSA IDR Plans Q & A Under the REPAYE Plan, if your calculated monthly payment does n't cover all of the interest that accrues, the government will pay all of the remaining interest that is due on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the REPAYE Plan, and half of the remaining interest on your subsidized loans following this three-year period ; and half of the remaining interest that is due on your unsubsidized loans ( including the subsidized portion of a consolidation loan ), during all periods. 
When looking at my paper statements, the online information about each loan and the loan summary information there is a balance for unpaid interest. I was told first that the unpaid interest taken care of on a monthly basis but I have not seen a reduction in the interest on any of my loans since transferring to the REPAYE payment plan. Was told that " it will be forgiven through PSLF and not to worry '' which is irresponsible. I requested an accounting of the total unpaid interest amount on my account and what portion is from unsubsidized vs subsidized and for what months. Was told ther is no way to get an accounting of unpaid interest, additionally was informed there may be a lag time in processing the interest subsidy. As of today, this has been a lag of over 6 months with no documentation or clear timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I have been financing a vehicle through Consumer Portfolio Services now since around XX/XX/XXXX. Around XX/XX/XXXX I encountered a situation with this company where they unauthorized took two payments from my bank account, when I only authorized one. They refunded one of those transactions however since that time they have been reporting that I owe for a payment that I do not owe and have not rectified this situation. I have been going back and forth with Consumer Portfolio Services trying to rectify this situation for months now, they have not updated or corrected their records. In addition to that even though I have been paying on this vehicle since XX/XX/XXXX they still say I owe approximately {$10000.00} on this vehicle. I believe their records to be incorrect and am requesting assistance in addressing this situation with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the XXXX inquiryy dated XX/XX/2016 and Equifax keeps responding stating that it is factual. I have a documented letter from XXXX stating that the inquiry should be deleted. This inquiry continues to lower my credit score. Equifax wastes no time reporting negative items, so what is taking them so long to delete this inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Office of Linda Strumpf
State: NY

Complaint narrative:
XXXX obtained a default judgment on a debt that was never verified prior to filing. At no time was I given any proof I owed money to XXXX. The default judgment is now for {$15000.00}, when the original principal balance as per the paperwork in the judgment was only {$3300.00}. I am being told by XXXX my checking account has been frozen due to a levy being placed on it for {$30000.00}. Now our mortgage payment and any of my other monthly bills can not be paid from this account. XXXX sold this debt in XX/XX/2008 and it was transferred 3 times, the last of which was XX/XX/2008. The case was in and out of the courts for 4 years, they kept postponing or not showing up. Now I have no access to my only bank account and need to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ROC Asset Solutions, LLC
State: IL

Complaint narrative:
API collection agency contacted my parents on XX/XX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XX/XX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: COMMERCE BANK
State: SC

Complaint narrative:
I closed this credit card account about 1 1/2 years ago. They keep assessing my account a maintenance fee, do n't send me statements, then I get past due notices from them saying I owe them for the maintenance fee and then months worth of late fees, this time around, {$320.00} and they are leaving derogatory remarks on my credit, which is hurting significantly! 

I have called and spoken with them twice ( the last time I did was with XXXX ), and they had removed the charges from the past times this happened and assured me it would n't happen again. I asked for something in writing, but XXXX said she could not provide me anything in writing. 

I got another notice on XX/XX/XXXX about it saying I owe them {$320.00} ( most of which are for late fees on an account that was paid in full and closed in XX/XX/XXXX, w/out ever sending me a monthly statement ). This is now negatively effecting my credit score!! 

The name of the bank is Commerce Bank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX, XXXX. 

Again, this is the 3rd time it has happened, the past 2 times I called them and they said they took the charges of the account and said that everything was resolved and the account was closed. Both times I spoke with them, they told me everything was cleared, the account was closed for good, and it would not happen again. 

I do not have access to the full, 16-digit account number anymore ( the card was discarded 2 years ago and I no longer have online access ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Prince Parker & Associates
State: NC

Complaint narrative:
I was called in regards to a bill that was for services provided greater then a year prior. I had been in contact with the provider because I had only begun receiving the notification from the provider 2 months prior, it was apparently a communication issue with my insurance and the provider. The caller was very rude and curt with me, I was trying to get information from her so I knew how to further pursue appropriate actions. She ultimately told me that she would note on my account " refusal to pay '' and then abruptly hung up on me without me being able to say anything else. I called back and left a message asking for additional information and no one called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ALCHRO INC.
State: FL

Complaint narrative:
I 've never recieved a bill from this company at all. I did n't even know what it is for. So when I called to inquire about it the supervisor/owner ( XXXX XXXX ) offered me a {$10.00} addition fee on top of what what I already owe to get it deleted as well. Like he was doing me a favor. Under the FPCDA unfair practices, " ... they may not try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt - or your state law. '' I do n't know what kind of business they are running but I am not in compliant with this.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Sir, On XX/XX/XXXX I Have sent XXXX $ to XXXX ( XXXXXXXXXXXX ) using Paypal for a personal service. But after receiving money they do n't contact me even their cell phone is switched off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am an XXXX citizen living presently in XXXX. 
I was telephoned with an attractive sales offer and I started to pay the item ( a diamond of {$5700.00} ). However, I soon realized that it was a scam, for the seller, by telephone, assured me that he already had a buyer for the diamond in question. ( If it were legitimate, why would he continue to sell it when he could get more for it elsewhere? ) Since this made me suspicious, I tried in vain to verify the address of the seller. He claimed to be located in " XXXX, XXXX and XXXX '' but no specifics which I could verify. 
So, I asked to cancel the sale and refund me the money which I had already sent through PayPal. He made me think I would be refunded and said that the treasurer would get in contact with me for the bank details. I waited and waited until I realized that there would be no refund. 
When I filed a dispute with PayPal, the seller said that the delay for retraction had expired and that I would have had to send a registered letter to the " XXXX office ''. It was then that I found out the address, at least in XXXX. ( I have serious doubts that they have anything in XXXX or XXXX. The XXXX office is a tiny store frontage on a back street of XXXX. ) For your information a sales contract by telephone in XXXX is not valid without a written and signed sales contract presented by the seller to the proposed buyer. I never saw a detailed contract from him and did n't even know his address and sales conditions until it was too late. I have not received the diamond and do not want it. I just want the money back that PayPal advanced for me to the buyer ( {$1500.00} ). 
In addition to this, when I logged on to the sellers internet site, I changed the password for my " habitual '' password, unfortunately that used for my PayPal access. Shortly thereafter, PayPal notified me that my account had been breached from an unknown location. I immediately changed my PayPal password. Of course, I have no evidence that the seller is responsible, but it is very suspicious!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
they are rip-me off for this loan. 
my loan amount was {$1000.00}, they charged me {$1500.00}, even I extend few times. 
I made few times paid {$300.00} and they credited for only $ XXXXthis things happened XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: IN

Complaint narrative:
Charged an illegal interest rate of over 100 %. In 2016 alone, I 've been charged over {$1100.00} on an original loan amount of {$1200.00}. These interest rates were n't fully disclosed until the loan was finalized.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MD

Complaint narrative:
This company is listed on my credit report as a collection account with a XXXX balance. I have never done business with this company.

Company response to consumer: Closed with explanation