vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Asset Management, LLC
State: MS

Complaint narrative:
I was first contacted by Pinnacle Asset Management ( PAM, LLC ) on XXXX XXXX, XXXX. The guy ( XXXX XXXX ) told me that I had a online loan of {$150.00} from XXXX that I owed for and since it had been so long, with late fees, etc. the amount I owed was nearly {$400.00}. He told me it was scheduled to go to court in XXXX XXXX ( the county I lived in at the time ) on XXXX/XXXX/XXXX. He told me if I made a payment immediately he could settle for {$270.00}. I told him I did not get paid until Friday but then I could pay it. He told me I had to go ahead and give my debit card info and he would run the card on Friday and if I did not do it then it would go to court the next day and my wages would be garnished. I asked him how did I know he was who he said he was. He got really defensive with me about it. I ended up giving him a card number from my XXXX XXXX card. After we got off the phone, I called the original collection agency who had the account and they said it sounded like a scam to them. At that time, I cancelled my card immediately. This is wrong to scare people into paying something that could or could not be legit. He scared me so bad I was willing to not pay other bills I owe to pay this and keep from going to court or getting my wages garnished. I went to XXXX to check the number he called from and got information that this is a mobile phone with XXXX. When I asked him why he was calling from a cell phone he told me he was not. This business is lying to people and misrepresenting themselves!!! I almost felt like it was personal with this guy that he punish me for my XXXX debt that I am not even sure still exists. I am still looking into it.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Chaplain Financial Services LLC
State: IL

Complaint narrative:
This afternoon I received a call from XXXX XXXX from Chaplain Financial Services. XXXX. When I asked for the company address she said it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. She said she had XXXX lender accounts that I owed money on XXXX XXXX {$510.00} loan taken out on XX/XX/2011 and XXXX XXXX {$430.00} loan taken out on XX/XX/2011. She could settle both accounts if I sent an online payment of {$570.00} today. I told her I never took out a loan from those companies. She asked if I heard of XXXX, which I have not nor have I ever taken out a loan from them. I told her I knew this was a scam and would be reporting her to the FTC. She said " do what you got ta do '' and promptly hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Neighborhood Housing Services of Richmond, Inc
State: VA

Complaint narrative:
Mortgage servicing company do not send monthly statements for loan. When company do send statement the information provided is incorrect ( ex. showing past due amounts when payments are automatically deducted from my bank account ). They do not send yearly escrow statements or anything that shows balance in account. Requested on several occasions in person for payoff on mortgage and have not received information requested. Each time I visit there office the person who can assist with issue/problem is not there. 
Company did not pay first half of real estate taxes for 2016 which was due in XXXX and I received delinquent notice from the XXXX of XXXX with interest and penalties. Taxes still have not been paid as of XXXX XXXX, 2016. Every time I make a request the person who has the answer is not there. Company states that they will get back with me and no one never do. This issue has been going on for several months.

Company response to consumer: Untimely response
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 paid
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I 've been accused of allegedly owing over $ 10K for various parking citations from AllianceOne and their sister company XXXX in Washington state ; that I know is completely false and they were already paid. Prior to me paying my balance online on their website and sending money for payment arrangements they garnished my wages through my employer ( which I was unaware of a case against me nor was I notified until the day my employer start garnishing my checks ). I was n't notified properly of any notification of any judgment. They are using false, deceptive and misleading means to collect debts and communicating information to credit reporting agencies that it should have known to be false, using abusive practices and is in violation of the FDCPA. In addition to, their sister company harassing me. After sending dispute letters in order to have some sort of resolution to both of these companies, I got no result. This has been on-going since 2011. I believe they are cheating the state and not telling the truth about their pratices. These entities are adding interest on a daily basis causing more debt for the individuals who are debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Citi Management Group, LLC
State: SD

Complaint narrative:
I have received numerous calls from this company. They do not ever say it 's an attempt to collect a debt, they call me after requesting them not to, and they are harassing and bullying. I asked for proof of the debt and got an email stating a XXXX card and an amount, but I have not been contacted about this debt at any point in the last 5 years. I have no knowledge of actually owing this debt. They tell me they will contact my HR/payroll department at work and take my wages, although there is no judgement against me for this supposed debt. They have stated this over and over for the last month and no action has ever been taken. It appears they simply want to harass people into paying without proof. I have also asked them to not contact me and they still do. When I question their tactics or way of doing business, they hang up on me and call back later.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My name is XXXX and my complaint is against Select Portfolio Servicing , Inc, my servicer in my loan No. XXXX. Select Portfolio Servicing , Inc, started foreclosure proceeding against my homestead property with totally unclean-hands and fraudulent documentation as you can see in the attached documentation. Foreclosure Case No. XXXX placed in XXXX County Florida, has been enter into court with fraudulent note, fraudulent adjustable rate ride and fraudulent correction/Modification of Mortgage never signed but executed them by Plaintiff and enter them as Exhibits in my foreclosure case. I closed my property in XX/XX/XXXX in XXXX and never received copies of my originals documents, I was told that I will get them in the mail. On XX/XX/XXXX I received a total different set of documentation for me to sign, I requested a copy of the first set of documentation to make sure nothing had changed and I never received a response, additionally they told me they would add my wife in the mortgage, since I started this process of purchasing my home from my now actual wife, before marriage, and at the time of closing I was already married. Me and my wife advised the same information to the mortgage broker at the time. So I held on to the documentation and keep the originals never signed. The first sign of fraud to the court was in my foreclosure case in XX/XX/XXXX- Case No. XXXX, were the lender certified to have the original note on my property such note was fraudulent signed, since I have the originals of this note and was never signed or executed by me. That foreclosure case was voluntary dismiss by Plaintiff in that case. Come XX/XX/XXXX I get served with a second foreclosure case after almost 9 years, and Select Portfolio Servicing , Inc again certifying of the same, including the two adjustable rate ride, and a correction/modifications of Mortgage Documents that I never that I never signed. As far as a modification of mortgage, Plaintiff XXXX ( Investor ) does not modified since they never took funds from TARP. 
Second case of Fraud : Lack of standing bringing this case with an assignment of mortgage recorded and executed on XX/XX/XXXX by XXXX as Vice President and nominee for Accredited Home Loans. Accredited had filled BK Chapter XXXX, since XX/XX/XXXX and was administratively dissolved and repudiate all their contracts that including XXXX, so assignment of mortgage is totally ineffective. I had executed letters also to our State Attorney General, Offices of XXXX and to our governor XXXX. ( See attached ). I do want to fine a way to keep my home but homeowner 's had suffer huge losses due to lender and services unethical practices. Thanking you in advance for your help in this matter.

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 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Screening Reports Inc.
State: GA

Complaint narrative:
I did not authorize Screening reports, initially i submitted an application for an apartment, but I decided against it. I called the leasing agent and let her know I was no longer interested in living at that complex. The leasing agent kept my application fee of course, but she was not supposed to pull my credit report. I never received any information in regards to being approved, denied, or just a follow up. My information was wrongly used and pulled after the leasing agent informed she would shred my information. Upon calling the company they confirmed that they had my signature to pull my information after the fact. I last month inquiring of why I had a credit inquiry from a company that my information was still pulled.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX sold my account to I.C.System INC. They are in violation of HIPPA I did not authorize my medical records be given to a third party. I did not give permission to release my medical records. Nor did they advise me that this was something that was going to happen.

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 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, 2017, I received an alert thru CRA monitoring. That reported that I have a NEW collection from this IC System. I previously had no contact or knowledge of this alleged debt. They have not contacted to me to ADVISE ME OF MY RIGHT TO DISPUTE this debt.I believe my rights have be abrogated. I have written to this company twice. No response. Additionally, they attempted to report this debt multiple times to the same CRA. I have since disputed this account with all XXXX CRAs. I will like this account deleted from my file.

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: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo user ID " XXXX '' sent me XXXX money transfers ( XXXX, XXXX, XXXX, XXXX and XXXX ) to buy my XXXX through XXXX. 
Money appeared on my Venmo account and I released my bitcoins to him. 
a couple of days later Venmo frozen my account and never return the money back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc.
State: NV

Complaint narrative:
Received telephone call threatening to arrest me on a felony charge and freeze all banking and credit accounts on a debt that was 15 years old and past the statue of limitation. He bullied me and continued to threaten me if I did not pay money right then to him. Three business days later I sent through USPS XXXX a letter to the company disputing this debt and wanting no further contact. The following day I mailed a second letter certified mail also disputing this debt and requesting no further contact. Asset Recovery Associates have continued to call me every day and on XX/XX/XXXX they called at XXXX. They even contacted my brother believing he was my husband and demanded contact with me, however, they failed to identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc.
State: LA

Complaint narrative:
This company is calling every member of my family 's telephone numbers and leaving messages. I have never dealt with this company and want them to stop calling my family members '

Company response to consumer: Untimely response
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc.
State: PA

Complaint narrative:
The company has called me 5 times. They are looking for someone named XXXX XXXX. I told them there is no XXXX XXXX in my family. I then tried to ask them if someone was fraudulently using the family last name. I asked how they got the phone number. They would not give any information and simply said they would take the phone number off the list. They called back a few days later again the same thing. Then someone named XXXX called. I informed him again we have no relatives named XXXX XXXX. He hung up on me while I was asking him to not call any more.. I called him back and asked for his supervisor he said the supervisor was in a meeting. I then said there is no XXXX XXXX here and he hung up on me again. I Called back again and Got some Woman called XXXX. I asked her for the address so i could send them a letter to stop contacting me and she wouldnt give it to me and got sarcastic.. So i called her a XXXX.. She told me i had no manners so she was not going to take my number out of the system. She had nerve to say all that after i threatened to sue. The name of the company is called- RECOVERY FIRST. No one in this house knows or is related to a XXXX XXXX. I dont know if someone gave the phone number or if this company pulled it out of the phone book. No one in this house or this family owes Recovery first any money.. Pleas make them stop the harassment.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
The collector callled me daily for several days even though I told him each that at the moment the options they are offering would not work. I asked him to stop calling and that I would give them a call once I had an offer to make. He continued calling daily and called my work phone number ( see above ) during business hours ( XXXX on XX/XX/2017 ). It is the same individual that continues to call me ( XXXX or XXXX ) even though I 've repeatedly asked him to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALL FAMILY FINANCE, LLC
State: GA

Complaint narrative:
I purchased a used vehicle XX/XX/2017 and did a voluntary repo on I believe XX/XX/2017. The vehicle was bought back to them twice with mechanic issues and the week I gave it back it stopped shifting into third gear when driving..reason why I gave it back. I financed the vehicle through them and they are still wanting to collect on a vehicle that had nothing but issues. I understand about the used car laws with consumers that we pretty much are n't protected but their should be something or someone out here able to protect us from USED CAR DEALERSHIPS that do this to hardworking people who hit hard times and have to go to lots like this. I 'm disappointed, upset, and angry. If I ca n't completely get out of this contract at least I want to try and get the amount owed reduced drastically!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had myself removed from my husband 's account as an authorized user. I received a letter in XX/XX/XXXX from XXXX XXXX stating that they would notify all XXXX credit bureaus which they did. XXXX and XXXX deleted the information but Equifax told me that I had to file another dispute. When I did they came back and said that it was verified even though I have proof that I was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) Based on the regulations above Equifax, LLC has yet to provide evidence of a credit application nor have they shown evidence in which these inquiries were used as apart of an employment application. Therefore, permissible purpose does not exist. These inquiries should be removed immediately. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
We had a second mortgage equity line with XXXX years and years ago. After XXXX folded and sold all of their mortgages we tried to find out who our new lender was with no success. We then went through a chapter XXXX bk that discharged in XX/XX/XXXX which listed XXXX as discharged. We kept our home and made all first trust deed payments on time but still never heard from any lender regarding the second. We had assumed this was because of the bk discharge. Five years later in XX/XX/XXXX Franklin Credit Management contacted us saying they intended to foreclose on our home. We have incurred thousands and thousands of dollars in legal fees, our credit has been negatively impacted and the title to our home is a mess. The major legal issue I have with Franklin is that we never received the service transferring notice that is supposed to be sent within 15 days of a mortgage being transferred to another servicing company. Had they complied with the Servicing Transfer Notice requirement ( or any of the other lenders in between XXXX and Franklin ) we would have been paying them and might have even been able to negotiate a loan modification. However, we were not notified. Franklin Credit Management was responsible to notify us within 15 days of receiving our loan for serving and they did not and it has cost us dearly. We have contacted them multiple times trying to negotiate a settlement or modification. They were rude, disrespectful and unreasonable to the point we had to hire an attorney. I truly believe this predatory servicing company is operating outside regulatory guidelines as it suits their purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: LendingPoint Holdings LLC
State: WA

Complaint narrative:
I paid lending point in full and they have not updated my credit report for XXXX and I ca n't get ahold of them

Company response to consumer: Closed
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
I paid this debt in full and they are not updating my Credit report to reflect paid in full.

Company response to consumer: Closed with explanation