vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 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: Credit Protection Association, L.P.
State: CA

Complaint narrative:
Credit Protection Association has sent a bill they " bought off XXXX '' for a debt from XX/XX/2017 I 've never had XXXX at the address listed and have n't lived there for over nine years. The account number listed is not only not mine, XXXX informed me it 's not anyone 's. Furthermore the " several attempts to contact me '' are two letters. One to notify me initially and the other inform me that my debt was being reported to the credit bureaus. Suspicious because the final notice is dated two weeks before the initial notification. CPA has reported " debt '' to the bureaus.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with equifax on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Equifax is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genuine Debt Solutions, LLC.
State: DE

Complaint narrative:
Getting calls about a payday that I supposedly took out online that has not been paid. I did not take this loan in XXXX. I 'll filed bankruptcy in XXXX. Any loans that I had at the time were under the bankruptcy and I have never had anything to do with pay day loans since. They called my job today showing a Delaware number. When you call the number back a recording says they do n't take calls. They left an XXXX number which I called and asked them to provide proof and documentation which they refused. I asked them not to call my job again and they called again this afternoon. They were threatening court action and some non check writing list. And when I would not work with them on the phone without receiving documentation, I was yelled at and then hung up on.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
A collection account was placed on my credit report in XX/XX/2017 by Midland funding. I was not aware of this account and had not received a dunning letter so I mailed a certified letter to midland on XX/XX/2017 requesting debt validation within 30 days. I have never done business with them and have also been a victim of identity theft in the past so I needed this account validated with proper legal documentation such as a signed contract, intimate detail or something identifying I was the owner of this account. After the expiration date a received XXXX copy of a front page bill with my name and address. I immediately responded to Midland advising the information provided does not validate this debt and they have 10 days to provide accurate legal documentation that this account belongs to me. I have yet to receive proper validation and this account should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associate has been reporting XXXX collection accounts on my credit report and from what I see they can not have proper validation because they are reporting different dates of first delinquency to all XXXX credit bureaus which is a violation and against the law. The have not done a proper investigation and by law they must delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: IN

Complaint narrative:
Fedloan Servicing is the company servicing my consolidated student loan. I have monthly Direct Debit on my account, and have never missed any payments in over a decade. I am in the process of changing banks, and immediately following the account drafting in XX/XX/XXXX I went onto Fedloan Servicing 's website to change my Direct Debit information. At the time I set up the direct debit, it stated it would take several days to set up ; however, weeks later my direct debit did not draft. I logged into my account when Fedloan sent an email informing me I had missed a payment. 

As a result of Fedloan Servicing 's failure to timely establish the Direct Debit for this account, I now have a negative credit report for a missed student loan payment. My husband changed the Direct Debit for his student loans serviced by XXXX on the same day at the same time and had absolutely no issues with the timely changeover of banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/XXXX 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX 2017 and they completed the request on XX/XX/XXXX, 2017 and XX/XX/XXXX 2017. I also disputed these same inquiries on XX/XX/XXXX, 2017 and on the same day XX/XX/XXXX,2017 the investigation was completed. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days also 1 day after the receipt of my certified letter and online dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me and are FRAUDULENT. I did not sign for anything. I also sent in a police report. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The CFPB has advised me to submit a new grievance with regard to a previous complaint under case # XXXX. In accordance with CFPB guidelines presented to me, the Corporate Complaint Team at Santander Bank has failed to adequately state any appropriate action they have taken to resolve my concerns. Additionally, the response I received from the Corporate Complaint Manager, apparently assigned to resolve my concerns has not provided any legitimate explanation for the ENTIRE amount of funds that were withheld on my checking account. Moreover, after ( 3 ) attempts to directly address the less than satisfactory reasoning within the manager 's letter, I was only allowed to speak to a complaint advisor in place of the manager. However, the advisor had no access to my complaint letter, form or otherwise file. The advisor 's statement to me via phone was that she was " familiar '' with my complaint but she could not give me any detailed information as to what their offices do. I am left to contend, based on the response I received, that possibly my letter was not even read at all. Please be advised that I am very unsatisfied with this response from the complaint team. The letter I received is a " smoke and mirrors '', complacent approach to dismiss my complaint as meaningless. It is important to note that at the initial stage of this problem, customer support indicated that I had ( 5 ) holds on my account. These pre-authorization holds should not have occurred, but as they did, my funds were held in the amount of {$430.00} dollars. And while I have seen {$360.00} dollars of that amount returned, I have not seen the remaining balance. The complaint team refuses to take responsibility and would have the consumer totally fault the merchant. Yet, I draw your attention to the ( 3 ) attachments I have provided here that address this problem, which causes consumers problems nationally. In all, I am seeking due return on the balance of my funds and for the bank to show responsible diligence in forging way better customer satisfaction and resolve.

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
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have defaulted on my mortgage and have tried to do short sale on the property. The bank got an appraisal on the home which appraised at {$220000.00}. An offer from a cash buyer was enetered in the amount of {$220000.00} and the bank refused it. Another offer was enetred at {$250000.00} and it was just denied on XXXX/XXXX/2017. The bank said that they will be closing my case and that they can no longer accept anymore offers and my house will be up for auction as XXXX/XXXX/2017. I am just unsure why the bank would deny an offer that is above the market value of {$30000.00} and not process the short sale. The bank is PNC and they said no other offers will be looked at. there was no explanation for the denial of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Whitney banks failure to exercise ordinary care contributed to a customer 's loss, and there remain genuine issues of material fact as to Whitney 's compliance with its standard of care and what effect this had on forgeries that occurred with in the account. This case is one in which a bookkeeper 's malfeasance, and a bank 's incompetence, combined to deprive an elderly woman and her family of XXXX of dollars. Please see attached document of case at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration
State: AZ

Complaint narrative:
this is the copy of the voicemail left for me : This is the offices of XXXX calling with the litigations Department. I 'm serving legal notification and which are being implemented as a sole defendant regarding a case in our office. As a result of your non-compliance. We are conducting an in-depth investigation into your case as well as finances at this point it is the plaintiff intention-to and prosecute a protractor through the courts in full compensation along with punitive damages awarded by state statute. At this point I 'm legally notifying you a citation or has been filed as well as motion has been issued to execute the summons. Now prior to the attorney signing off on the documentation. I would like to speak with you. Reviewing the case affidavit information. I do believe this matter can be rectified on a voluntary basis out of court. However due to the severity of the violations. It is imperative that I speak with you. Litigations department phone number is XXXX or you can hit one to speak with the next available associate. Thank you. Bye.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Dennis Dillon Auto Park and Truck Center, Inc.,
State: ID

Complaint narrative:
I 'm not sure if this is the most appropriate agency to contact regarding my complaint. I did pay for the service/repair of my car with a credit card. I took my XXXX Nissan Frontier to Dennis Dillon Nissan in XXXX for repair on XXXX/XXXX/2013. This is an authorized Nissan dealer in XXXX and I was told that they only utilize Nissan parts on repairs/replacements as shown on the Estimate. I agree for them to repair my car after I understood they would use Nissan parts. I found out later after receiving my car that some parts did not look new and I reached out to the dealer only to be told that parts used were aftermarket because the Nissan parts were not available. However, at no time during the repair process I was informed that the parts were not available and aftermarket parts were going to be used instead. furthermore, on XXXX/XXXX/2013 I paid an invoice showing the agreed parts on the estimate and I was not told that different parts were used as noticed on the invoice itself. 
I made multiple attempts to reach a resolution with Dennis Dillon. I requested proof of where the parts came from and I was given a " parts shipment list '' which after investigation, I found that those parts were for multiple vehicles and none were actually for my car. I looked up every single part number at Nissan.com. 
I spent about XXXX months trying to resolve the problem with Dennis Dillon. I noticed that the aftermarket parts started to show corrosion a couple of months after they were installed and I tried to get dealer to honor the lifetime warranty that he mentioned on a XXXX/XXXX/2013 email. Dealer refused to honor the warranty. I also discussed with dealer getting a refund for matching the price with the lower cost aftermarket parts that they had used but they refused. Dealer eventually stopped all contacts. 
I tried to hire a private Attorney but Idaho is a very conservative State and most of them represent the insurance/defense. I did talk to a couple who believed that the amount paid for the parts was n't large enough for them to take the case. 
I 've been taking my car to another Nissan dealer for maintenance and I 've found out that some parts that were supposed to be replaced are not on my car at all. for example, the front Grill was coming loose on one side and I was told today that there were seven clips that were not installed during repairs by Dennis Dillon. In addition, I was also told that they did n't do a proper job because the repaired side had been bolted rather than welded and as result it looks uneven on that side. 
I 'm not sure if the FTC or other agency protects consumers from predatory/fraudulent practices but here is Dennis Dillon Address/contact information : Dennis DillonXXXX XXXX XXXX XXXX, ID XXXXPlease let me know if you can help me. I already tried hiring a private Attorney but not many in this area represent the people. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ALCHRO INC.
State: FL

Complaint narrative:
In 2014 I contacted XXXX XXXX credit bureau requesting that they open a dispute into the claims from this creditor and its representatives. This account, after investigation with assistance from the CFPB was subsequently deleted from XXXX but continues to report on my XXXX XXXX and XXXX files. I am requesting that XXXX XXXX credit bureaus please remove the entry/account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
There is a remark listed from a collection agency which is false information and inaccurate. I tried to dispute with no outcome please help

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 2017-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I graduated from XXXX University XXXX XXXX. Like many others, my family was not able to pay for my college education, and we were left with no other choice but to borrow the funds needed to send me to college. My step father, is the hardest working man that I 've ever met. He is a XXXX, and is soon to retire due to physical limitations ( with little to no XXXX due to the recession ) .When my dad and I took out this loan, the original balance in XXXX was {$27000.00}. Approximately in XXXX, when the loan was serviced by XXXX, both of my parents were hit by the down economy ; my mom lost her job and my dad 's hours were cut to part time. This was a devastating time for my mom and dad who were struggling keep the lights on and food on the table, let alone pay a {$400.00} a month student loan bill. Meanwhile, I was just out of college working at a XXXX making {$8.00} an hour. Needless to say, without any other choice, my family defaulted on this loan. It destroyed my dad 's and my credit scores which has taken me over ten years to rebuild. I had a few other student loans that I was able to consolidate with the US. Department of Education ( XXXX ) with a reasonable interest rate and an affordable payment. However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task. Here is where we are now feeling the affect. After we completed the repay plan and got the loan brought current, XXXX then capitalized the 2+ years of delinquent interest, fees, late charges, etc. back into the loan amount. The balance after the recapitalization was well over {$40000.00}! We have been current on this loan for the last several years paying {$410.00} a month. I feel that this loan is nothing less than predatory. It is now twelve years after the loan was originally issued and I do not see how I will be able to pay this loan off. Every extra dollar that I have goes towards this loan which takes things away from my daughter and my wife which is not fair, and I do not think that should be the penalty of wanting to obtain higher education. 
My parents are now over XXXX and my mother 's health is deteriorating. She will be forced to retire from work soon ( with no XXXX due to cashing it out during the recession ). My dad can not afford to assist me on this loan, and he as well will not be able to work much longer due to physical restrictions. I will ultimately default without your assistance in restructuring my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
My husband and I were deigned credit for a new primary residence based on the lender 's claim it is an investment and not to be our primary residence for the next 12 months. I have provided evidence it does not conflict with retention of my current primary residence, verification we intend to live in the new primary residence for 12 months, and the letter deigning us the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Tennessee Quick Cash, Inc.
State: TN

Complaint narrative:
Please see attached. No response on previous complaint # XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Essential Retrieval Group
State: DE

Complaint narrative:
They continue to contact our place of business for a debt for a person who is deceased, XXXX XXXX. After numerous attempts they will not remove our phone numbers from their dialer. I made numerous attempts to get their professional license number but they continued to hang up on me. Their phone numbers are as follows : XXXX, XXXX, XXXX, XXXX and XXXX. They are stating their address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - which is a XXXX Store. 
XXXX XXXX stated that she is the director of collections. She told me I was contacting the wrong place and lied about the phone numbers not being apart of HER company. Below are the names or alias that these scam artists are using. XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Global Recovery Group
State: OK

Complaint narrative:
I have not received any kind of notice or any kind of communication for this debt, I have no idea what it is, it just popped up on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Recently XXXX unauthorized withdrawals were made from my checking account that I have with Chase Bank. I have been contacting Chase daily to have my money returned to me but they will not give me my money back. The Chase case number is XXXX.

Company response to consumer: Closed with explanation