vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cedars Business Services, LLC
State: SC

Complaint narrative:
I was given funds by XXXX university to attend on line classes, After XXXX month of attending I became ill and the passing of a love one and I immediately notify XXXX university of my circumstances. the university instructed me to mail in proper documentation for a leave of absence .I complied and to my surprise XXXX placed my loan with Ceader Financial collection agency and demanded full payment instead of adding it on to my exsiting federal loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Person called me from Universal Recovery XXXX on behalf of XXXX. The bill was {$92.00}. They want me to pay $ XXXXwhich I know I have to pay. I wrote a check and it bounced. When the guy called, he said his name is XXXX he was very rude and abusive verbally. I tried to explain what happened but he was loud and told me that " I should n't have wrote a check anyway and this is what I get '' I told him to never call me again. I called a couple of weeks later to try to pay the bill and a lady answered the phone. I told her what happened during the last call, she said " he should have spoken to me that way. She said that she was going to report me to the credit bureau tonight! Of course I got upset too but I was n't at work. The name of this business is Universal Recovery. I fully intended to pay this bill, as a matter of fact I called to pay it but this is the second time that I have not been able to because of the aggressive behavior on both their part. This company should not represent anyone. They did send me three letters but I was trying to explain that my son was XXXX and noting else was on my mind at the time. I pay my bills and still fully intend to pay this one but I need advise on another way to pay XXXX because I ca n't talk to these people again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: WI

Complaint narrative:
An old collection filed on XXXX XXXX, XXXX showed up as a new collection reported on XXXX XXXX, XXXX from CAPIO PARTNERS, XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have recycled the old collection to a new collection which showed up on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
On XX/XX/2015 I filed Chapter XXXX bankruptcy protection which included XXXX. Around XX/XX/2015 by bankruptcy was XXXX also the debt of XXXX. Today in the mail I received a letter from XXXX trying to collect this debt.

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 2017-02-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe
State: NJ

Complaint narrative:
I applayed for Loan on internet the amount I applied was {$770.00} with My LoanSite.com phone # XXXX Lender XXXX XXXX XXXX SD XXXX At the time agreement and disclosure was not visible. I was not informed about APR that will be XXXX % and finance charge will cost me {$3800.00} and total amount I will pay after I have made all payment as scheduled will be $ XXXX feel that I am victim and this Loan company taken advantage of my needs by exposing me to procentige rate that is astronomicaly high.In my opinionthis practice used by the lender is unfair.I never receive any paperwork with details of the loan, no any email explaine the loan, no any phone contact. I believe that I am victim and loan company take advantage of my needs.The loan company widraw from my account every Friday {$230.00}. XX/XX/2017 my balance is {$1000.00} this amount I am paid them.I have no doubt that this Lender violated a FCP law or regulation. The Lender never explaine agreement, never contact me by email, by phone by mail I never review the agreement my family member found on internet information about this lender. I contact XX/XX/2017 by phone and spoke with representative XXXX. I request to speak with supervisor or XXXX she promise that supervisor will call me and I will have shance to resolve the problem with the loan. However untill now no any contact at this time. Amount given to me direcly is XXXX {$770.00} I am paid {$1000.00} ... but I am not agree to pay them {$4600.00} I need help and asistance and I am requestung this loan to be closed imediately, hope so that some XXXX will be loked into my problem and here will be solution and this loan company need to provide on time information about the loan, rate , %, term by mail, by email or by fax.

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 2016-07-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
During my time in XXXX XXXX, the company I worked for forced its employees to take out loans for housing. Unfortunately, the workplace was abusive and I quit to move back to the States. The loan company there sent the loan to a collection agency in the states. After speaking with the collection agency here, I told them I was n't working. They continued to call me. Recently, they called my daughter. I have no idea how they got her numbers, but I called the collection agency and told them to stop calling me and my daughter. When I spoke to the collection agency, they said they had no record of me or my daughter. Recently, my daughter told me they called my mother. 
I told them more than once I was forced to take out the loan and they need to speak the with company that forced me to do so because I 'm not responsible for the loan, the company that forced me is responsible. They continue to harass me. When they call now the number comes up on my caller ID as unknown. They call sometime two or three times a week or more. They have called my daughter twice and my mother once. When they called my daughter and mother the number on the caller ID came up as unknown too. 
If they do n't have a record of me, why are they continually calling and harassing me? 
Their employees tried to bully me : one employee suggested I take out loans to pay this loan, borrow money from family, and go back to an old job from about ten years ago while asking me what I planned to do about this loan. I reiterated the loan was the problem of the company who forced me to take out the loan and that 's who they need to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
My car was stolen in I believe it was XXXX. The towing agency did not notify me until 4 days after they towed the car to there garage. So when I talked to them on the XXXX day after the towing they told me it was {$150.00} a work day, plus $ XXXX mile to tow the vehicle. So in which case it was {$470.00} to get my car out that day. But that day was XXXX. Which is a national holiday. And the XXXX Said the cost would go up for those XXXX days XXXX and XXXX. Although they were XXXX national holidays which in law states it is illegal for them to work. So they told me another {$300.00} it was going to be to pick up the car. I had offered them to give them the title of the car and they did not take the offer. The car was worth {$2000.00}. They did n't want to take it. I do not understand any of this. I tried to work with them but they did not want to work with me. I am also on parole so I can not leave XXXX miles from my home or go out of the county. I am in XXXX XXXX XXXX. The only reason I go out is because of my work I did. So since I did not have my car I could not go to work and so forth I was fired. So I could not make enough money to pay the towing company for what was an outragerous debt. Of {$770.00} for 6 days of being in there garage. So now the result is they put a lien on my car and sold my car at an auctiom, and I now still owe them {$2100.00} which the maximum amount they told me was {$2000.00}.

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 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I do not have knowledge of this debt that is attempting to be collected. In violation of FRCA and XXXX laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: FL

Complaint narrative:
My student loan payments are {$1000.00} a month. Everyone else I graduated with does not have a payment this high. I think I filled out my fasfa wrong or something. I do n't understand why my payments are so high and why I did n't get any grants from XXXX. I also believed that it would be 6-7 % interest on the whole loan not compound daily. I make {$1700.00} after taxes. I pay another {$75.00} in sub and unsub loans a month. I literally make enough money to pay my car payment, car insurance and gas to get to work. I had to get a second job just so I can eat. I literally debate whether it is worth living everyday. Can you please see if there is something you can do? 

Also, I remember shortly after I graduated XXXX President had to step down or something because there was a money scandal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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: Lien Enforcement Inc
State: CA

Complaint narrative:
I bought this car never registered the car under my name. I then sold this car to a unknown person I cant remember the name. This happened 3 years ago. Its been a long time I 've did my part by releasing liability to DMV but for some reason they have no record. i send out for XXXX inquiry witch I paid {$20.00} for but when it came back my release of liability was not on their, I know I did it online for some reason it did not save under the DMV system. The collection agency told me if i forgot to enter millage or any little thing it would not accept it I 'm not sure if a did an error on my behalf but I 'm 100 % sure I did it. DMV never rejected my application. I did file the release of liability but like i side they have no proof. I 'm the kind of person that takes care of her responsibilities but at this time i find my self very upset because I 'm being charged for something that i know in took care of 3 years ago. I tried talking to the collection agency and letting them know what happened but they do n't seem want to dismiss the case they keep asking me for money. I actually gave them a {$25.00} dollar payment to keep them away. I do n't find it fair to have to pay for something that i do n't have and sold 3 years ago and knowing I did the release of liability. I have in closed copies of a new release of liability that DMV had me redo but the collection agency will not accept it. DMV said they should accept it but they want the date to be a date before it got towed away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OK

Complaint narrative:
My complaint is against XXXX/Mellon XXXX and involves both the the posting of information about balances on XXXX accounts ( by XXXX ) and Mellon 's assessment of overdraft fees. On XXXX XXXX, 2016, I wrote a check to XXXX, which reduced the balance in my account to XXXX. The balance as posted on the website was {$11.00}, and I wrote the check for this amount. The check was returned by Mellon on XX/XX/XXXX, and I was charged an overdraft because in the interim, I was charged a service fee. There was no posting of this fee on the website on XX/XX/XXXX ; nor was there a notice that this fee would be charged. The bank posted no dates on when service fees are charged. According to the bank, service fees are charged at the end of the month ; this was the beginning of the month, so I assumed my balance reflected the most recent service charge. I phoned in a complaint to XXXX ( XXXX ) ( # XXXX ), which forwarded it to Mellon. XXXX days later, on calling, I learned that Mellon had denied my request to cancel the overdraft fee and levied a second fee, while my complaint was being processed! I now owe Mellon bank {$44.00}. XXXX in overdraft fees. In short, XXXX. Mellon/ XXXX XXXX does not run a transparent website for check-writers. It 's impossible to ascertain when Mellon 's fees will be assessed ; XXXX. Mellon continues to assess overdraft fees while case numbers ( i.e., complaints ) are open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
I have repeatedly received collections against my credit from these collectors. I always have to contact the credit bureaus and get them to clear out the collection. I have no knowledge of this collection. I would like to stop being harassed by these collectors about something that is not mine. I do n't have any bills from them and I have no information about this. They repeatedly add collections to my account even though I have told them to stop many times. They must stop trying to collect debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
This law firm never served me with summons before court date in order to receive summary judgement. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc.
State: TN

Complaint narrative:
I would like for the company to produce the contract that bears my wet ink signature. If they are unable to provide such documentation I would like for them to remove this item from my credit report as it is causing me great financial harm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
I received there so called itemized statement that show a balance of XXXX Dollars, which I am attaching and Common wealth is asking for XXXX. I sent a letter Certify Mail requesting further information and detail to how they came to this balance and further proof. I am also attaching the return receipt .Which was sent out more then 45 days ago. and still now Response form Common Wealth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XXXX, because of a bank problem, I ended up paying my mortgage holder, ditech, XXXX payments. I requested they return XXXX of them. The amount was {$1600.00}. That is my mortgage plus extra for additional principal each month. I documented my calls, and had my Bank conference with me on at least XXXX of these calls as witness. Ditech agreed to return the extra payment. My bank sent written confirmation and review of these calls and agreement to ditech and myself. They have not returned the payment. Thy have ceased to send me my written monthly payments since this problem occurred. Ditech has repeatedly indicated they would have someone call me back about this, but never did. I would like them to send me my written monthly bill/statement. I would like to see what they have done with the {$1600.00} overpayment in XXXX. We checked my address and it was confirmed correct. They claim statements have been sent. The customer service agent told me that my mortgage has been " flagged for foreclosure ''. She could not indicate why. I have paid this mortgage since 1998, never late, and for the last year, always over the amount due to be applied to additional principal. The agent told me this would be explained to me by the supervisor who would be calling me to follow up on my inquiry. This has happened with this company before, and no one calls me back to follow up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis
State: DC

Complaint narrative:
CBCINNOVIS has pulled my credit report unauthorized a number of times. This company has abused my rights by pulling my report 2-3 in the same week. I have written letters to CBCINNOVIS as well as the credit bureaus to have these items removed and I have not received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
*THIS IS NOT A DUPLICATE* I believe that my mortgage account is being serviced as an adjustable rate mortgage instead of a fixed rate mortgage. My amortization schedule is a " Step Rate Loan Amortization '' which is a type of adjustable loan. My billing statements are inconsistent as to what is stated to pay and what is actually paid. The company acknowledges adjustments taking place in the account. The company sends documents and letters that do not accurately represent my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt resulted from a misrepresentation of a company employee. Information regarding debt and reporting dates are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We recently received our escrow analysis from Green Tree Mortgage and were informed that effective next month, our mortgage payment will be increasing by {$300.00} per month. They claim that there was " glitch '' in their system last year, such that while they paid our insurance premium, the amount had not been escrowed. As such, they are now raising our rate to compensate for this glitch to make up for a significant shortage. We were told that nothing could be done to rectify this, that it 's " simple math '', and to simply be thankful that they are spreading the shortage out instead of collecting it within 30 days. Even if we paid the $ 2500+ shortage out of pocket today, our monthly payment would still raise over $ 250/month to accommodate their " glitch ''. Needless to say, we are extremely disappointed & frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
I am showing an inquiry on my credit report dated XXXX/XXXX/2015 from the following company that I DID NOT authorize to pull my credit. I demand that this company have their inquiry immediately removed from all credit reporting agencies including XXXX and XXXX. 
Company info : CIC XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
Debt Recovery Solutions keeps reporting and trying to collect on an old account I had with XXXX over a decade ago. I was told that XXXX sold the account to Debt Recovery Solutions. I paid this account completely off. I do not know why they keep reporting this erroneous information.

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 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: TX

Complaint narrative:
This debt collection agency would not verify this debt advising it was a personal matter when requested detailed information, would not disclose via written communication nor by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BTH Management
State: TX

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK XXXX

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