vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Physicians & Dentists Credit Bureau
State: WA

Complaint narrative:
was improperly served summons was served to someone i did not know sent the company signed lease agreement for where i was living during service of summons still threatened to garnish wages offered 75 % sif or payment plan they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: Williams, Rush & Associates, LLC
State: NY

Complaint narrative:
This item has been reporting on my credit unlawfully. I am attaching proof that I sent them a letter requesting that they prove that I owe them this debt the same proof that they are required to have under the law. I have received no response at all. No documents bearing my signature, and no proof that they can legally hold me accountable for this debt. This company is also committing identity theft as they have opened an account using my name without my consent. I have sent a letter to their XXXX and I am also contacting the FTC. My next move will be a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Klima, Peters & Daly, P.A.
State: TX

Complaint narrative:
I defaulted on a car loan in XXXX. The car was repossessed in XXXX. On XXXX/XXXX/XXXX, I was informed by my HR dept that I have a wage garnishment from the agency of Peroutka, miller, klima and peters, XXXX md XXXX. I have never received any prior notice this action was going to take place. I never received any notification that court action was going to occur. This matter is over XXXX years old. I believe the statute of limitations should apply. I would like to file a complaint against this company and try to stop the garnishment. The lender for the original loan is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I have had a loan with Rise Credit for over a year now, they meet every criteria of being a predatory lender. Each time I pay it off I am forced to take out another because the interest and fees of the last loan left me unable to pay my normal expenses. Out of a $ XXXX monthly payment only about {$50.00} goes to principal, I end up paying over triple the amount I originally received by the time the loan is paid off. Since this is an internet company I do n't think they are regulated and I believe they break Federal and Ohio Consumer Lending laws. I selected that I initiated contact but actually I received emails and mailers from them before ever taking out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Dwight Financial, Inc.
State: CA

Complaint narrative:
Debt collector using the name XXXX XXXX from XXXX Ca, called from XXXX stating he was an investigator and my name had been mentioned in an investigation. He left a case number and that I needed to contact his ASAP. When I called it turned out to be a debt collection on my motorcycle which I am currently 2 payments behind. I told him I would call the company, he then called and left this same message on my sons cell phone with my wife 's name. I am the only signer on this loan according to the law he should not be making calls to third parties. I still have the message he sent to my step son 's phone number while he was at work. That call caused a lot of stress for my stepson while he was at work. I called the gentleman back and verbally requested that he not make any additional calls to any third party. He stated that he had not made any calls to any third party. I also requested his fax or address so I could send a formal letter requesting that he make no more calls to third parties. At this time he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Trust Management LLC
State: CA

Complaint narrative:
Calls me daily. Someone named : " XXXX XXXX '' also contacted my employer, ALSO is stating she is calling back about an application I submitted. I HAVE NO IDEA what application they are talking about and they possibly put my JOB in jeopardy having them thinking it was a reference check for another job. 

I have NEVER heard of this company, the phone number does not offer the name of the business when you call it, I had to ask several times to get the name of this business and name of the representative that answered the phone after googling and reverse searching the number, they would not give me an answer when I asked if they were a bill collector " i can not respond to that question until I know who I am speaking to '' I asked to speak to a supervisor and overheard her mumbling to another voice before telling me that he was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I was contacted several months ago to take care of a debt that I owe. I reached a debt settlement. However, I never received a debt settlement letter. I have made repeated attempts to retrieve such letter. I have been told that a letter have been sent out, however, I have not received any such letter. Every month, money is being deducted from my account. However, I am not sure that the debt is actually being paid off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I emailed the company Mercantile Adjustment Bureau a certified debt validation letter XX/XX/2016 to verify a debt they claim I owe them. I did not receive any form of communication from the company. I asked for proof none was given. I sent another certified document XX/XX/2016 informing the company that the violated my request and request that they remove the account withon 10 days because they violated FDCPA the acoount still has no been removed and it has not been verified with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
I have received numerous calls from a company called Dynamic Recovery Solutions. Their phone # 's are : XXXX, XXXX,XXXX,XXXX. They say I owe a debt and they want to talk to me. I have NO debt. I believe they are calling on something from a XX/XX/XXXX/XXXX chapter XXXX bankruptcy. I have no idea why now they are calling me now. Everything went through the US Bankruptcy Court as a chapter XXXX, paid to a trustee over a 3 year period. We received a discharge from the court XX/XX/XXXX. I am thinking the debts were sold to a collection company to try to collect them. I really need them to STOP calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Williams, Rush & Associates, LLC
State: DE

Complaint narrative:
I got a federal loan for school, I quit 2 weeks after starting, the school refunded almost the full loan back except for the portion for the 2 weeks which im working with my original provider for payments. I was n't aware that the school itself was charging me for the loans they refunded and they sold the debt to a debt collector called William Russian associates. The very first day I spoke to them they told me they have a pending case against me to garnish my wages and if I want to prevent them from going forward with the case I would have to pay the a down payment of {$1800.00} and monthly payments of {$370.00}, I spoke to them at XXXX and they told me I had until XXXX. the same day to make a payment of atleast {$500.00} towards the down payment or else they were going to take me to court to garnish my wages. I told them I was willing on paying the debt but I could n't afford what they were asking, they never took any type of financial assessment to help put me on a payment arrangement they did n't care that I did n't have the money or that I was willing to pay they only cared about getting the amount of money they asked for by the time they gave me. I feel like that 's really unfair treatment especially since im willing to pay and that was the first time I ever heard about owing that debt and they want to make it so I cant afford my basic living expenses because they do n't want to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I was NEVER sent a bill of the original amount or given an opportunity to pay. When this company started calling, they asked for XXXX XXXX ( my name is XXXX ) and told me repeatedly that the last XXXX of my SSN # DID NOT MATCH the account on file and they COULD NOT talk to me about the debt. This happened over 10 times. Then this bill shows up on my credit report, upon seeing it there in XXXX I called IMMEDIATELY to take care of it! They again had XXXX XXXX as the name on the account and told me that my SSN did not match the account holder 's. It took hours to get this straightened out. This account was settled immediately. This ended up in collection due to THEIR horrific 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 explanation
Consumer complaint received 2016-02-05 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: Dynamic Recovery Solutions, LLC
State: AZ

Complaint narrative:
We have told this collection agency that the person they are looking for is not at our home but they continue to call us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
The claim is false. It was not submitted to the insurance company as indicated. It contains false statements as payment collected from insurance and states incorrect information. I had issues with XXXX XXXX XXXX XXXX in the past. 
Basically, either the bill was not submitted as required or I am not the patient that received this service

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I live in TX and according to my research ( XXXX ) collectors have up to 4 years to contact me about a debt. XXXX XXXX XXXX XXXX is contacting me about a debt that was charged off in approximatley 2003. And Dynamic Recovery Solutions is also contacting me about a debt that was charged off approximately 2003. 
I believe these tactics are very decptive and I wish them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CARVANT FINANCIAL LLC
State: MD

Complaint narrative:
I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Carvant Financial LLC '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I visited the emergency room at XXXX XXXX Hospital and was billed as a charity case because I am indigent under the GA Indigent Care fund. These 3rd party collections agencies bill me and call me for the services that have been credited and cleared my account. However, each time I tell them this they sell the account to another 3rd party collection agency that will bill me the next year and add this back onto my credit report. They keep flipping this bill after I send the confirmation that the bill is clear. This is some type of pontzi scheme and they just keep on coming. There needs to be a stop put to this type of activity by these collectors.

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 with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WATERMARK CAPITAL, INC.
State: MD

Complaint narrative:
We finished signing all the final loan documents for refinancing and believed everything was done. We were told a few days later that they made a mistake with some of the disclosures that needed to be signed because the law changed 2 months prior, so we were told we needed to resign. Then were told that because of their mistake we would need a rate extension and they would not honor our lenders credit ( {$980.00} ). This company has been such a pain to deal with. They wait to the last minute to close, it was very hard to get a hold of our lending agent and never kept us informed. Watermark Capital should n't be a licensed mortgage company if they do n't know how to comply with laws and honor their good faith estimate. We should n't have to pay for their mistake.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
I submitted a claim earlier about XXXX XXXX XXXX and gave a description about what happened. The Cash store is another creditor they did the same thing as XXXX in the previous claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company
State: OR

Complaint narrative:
I obtained a mortgage loan with JG Wentworth in XXXX 2016. I made a payment in XXXX, with an additional amount not be credited to Principal. The loan was transferred to XXXX with the first payment ( XXXX ) showing as being paid, but missing the Principal payment. When contacted, they stated that it would take up to 60 days to transfer the additional principal. I do n't feel that 60 days is a reasonable amount of time, since they were able to correctly apply and transfer the payment that was made in the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Andrews & Cox, P.C.
State: IN

Complaint narrative:
After an Emergency Exemption Hearing on XXXX XXXX, 2016, plaintiff attorney XXXX XXXX XXXX of XXXX asked to meet with my wife and I in the hallway. When we asked the questions, " Why did we not know about the lawsuit? '' and " Why does n't your office return phone calls? '' XXXX XXXX got very defensive and told my wife XXXX XXXX XXXX, " I know what you do for living. I can have you arrested for calling my office. '' XXXX went on to ask about all of the complaints filed against them from the XXXX Office, to which XXXX XXXX stated, " I 'm licensed in XXXX states. You have no idea how powerful I am, I know people and I know where you live. You better be watching over your shoulder. I WILL hurt you, and destroy your business ''. XXXX reached in her bag for her phone, and he tried to take it out of her hand. When she turned to avoid his grab, XXXX XXXX tried to grab a folder out of my wife 's hand, which contained the complaints. She backed up and told him not to touch her or her things. So, he grabbed her wrist and said, " Let me see what 's in the folder. '' XXXX pulled away from him, visibly shaken, and said to XXXX XXXX, " We 'll see you in court. '' We immediately filed a police report with the XXXX XXXX XXXX XXXX XXXX. XXXX # : DP XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am not able to access my bank account. I received a letter from XXXX that says I owe {$1800.00}. I was a victim of check and bank fraud. I was away at school and a guy I knew said his brother was sending him money but he did n't have a bank account so he asked if the money could be wired to my account. I agreed because I did n't know the guy was scamming me. I never saw a check or signed a check. I just withdrew the money out once I saw that it had posted to my account. I thought that because it posted and showed available that it was ok to take out. Once I took the money out I turned it over to the guy and he gave me {$500.00}. I still did n't think anything of it. I thought I was helping someone out in need. I found out later that this happens to college students all the time and that I should have been smarter. I think this guy came after me on purpose because I lost my wallet with all my ID and other personal information in it. I believe he found my wallet. Please let me know how to clear this up?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: LA

Complaint narrative:
AFNI is reporting a account on all XXXX of my credit reports. XXXX, and XXXX. I have disputed this account with all XXXX credit bureaus and AFNI several times, and requested investigations. All XXXX credit bureaus informed me that AFNI verified and confirmed that the account belongs to me. I have not received any proof or documentation from AFNI that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: LPSG
State: MT

Complaint narrative:
This company called me and left a voice mail on my phone, stating they were going to send XXXX uniformed police officers to my place of work, and said they contacted my place of employment and my place of employment stated to send to them to my house, I contacted my work and no calls had come in When I called the company they said I needed to give them my debit card number, I did not give it to them, They told me they were going to take legal action on me and I asked what my balance is they stated it was XXXX. My credit limit on my card is only XXXX,. I called my credit card company was was told it was only XXXX. I have already been to the police department here and was advised NOT to give them any info and to tell them that I had already contacted the police depart and that what they are doing is illegal and further action will be taken against them, This company was very rude to me and said if i do n't give them any money and dont give them my debit card number they will take me to court and garnish my wages, This has stressed me out to the point I could not breath and now I am scared for me and my family, This company needs to be stopped!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation