vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-15 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
Just got another call from a " XXXX XXXX '' from an UNAVAILABLE phone #, who said he was a XXXX XXXX Process Server trying to let me know he was coming to my work and/or my home to serve me a subpoena. He said the party that wants me in court is EZCorp and to call them at XXXX to stop it. I told him I had never heard of someone getting a heads up call for a subpoena and asked if he actually worked XXXX and he said yes. Well, I called the # and got a " XXXX XXXX '' with verification who said this was for a lawsuit from a loan they say I got on XXXX XXXX, 2010 ( I did not get XXXX then, possibly a year to 6 months before but I know for sure I did not get XXXX during that time or since that time. Either way they said they were in contact with a list of people as references, My father, my brother, to name a few, to get this handled and have been unsuccessful. I was transferred to a female named XXXX and then back over to a XXXX. He was giving me my person information including last XXXX of social and my entire drivers license #. I told him I did n't recognize EZCorp as a loan, and especially on that date. And he tried to say I was lying because someone went in there with my ID and got the loan and now I supposedly owe thousands and they are going to have my drivers license suspended and he repeated my actual drivers license # off to me. I told him I did n't think they were legit and I was not paying for something I did n't sign up for. He said he would see me in court so I hung up. I did n't even think to tell him that the State of Texas statue of limitations on debt is 4 years, which this would be past then for sure. This is n't the first time I have heard of this from EZCorp people telling me this and I keep telling them to send me proof and they tell me to quit playing games and that they know what " I did ''. Even still, I google searched this found the CFPB reached a settlement with them for saying these same types of statements. I would have thought with the settlement, they would stop but it is still continuing. I also was n't contacted to sign up on the plaintiffs with CFPB so why would this EZCorp still be contacting me?

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 explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management Systems is the agent for XXXX XXXX XXXX have stated in a letter dated XX/XX/XXXX " XXXX XXXX XXXX XXXX has informed us that these accounts were initially cancelled as they were attempting to bill your insurance provider ; however, the above referenced accounts have been re-activated due to the fact that your insurance coverage termed as you were not eligible tfor the dates of service. Also you did not present your XXXX insurance information to your client and they were not able to bill in a timely manner. '' First, no services occurred on said dates in the total amount of {$150.00} dating back to XX/XX/XXXX. False billing. Second, if more XXXX was needed all that needed to be done was to contact my doctor and get authorization for more service. XXXX insurance was provided from day XXXX. Progressive Management Services and XXXX XXXX are irreputable institutions and have falsely accused me of monies owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Trident assessment management showed up on my free credit report and has never contacted me in order to collect any debt nor has validated my alleged debt. The date showed up as XXXX and was on my credit report in XXXX. They maliously smeared my credit score and I have never had any time nor information to settle this alleged debt before they took unlawful action. I have contacted a lawyer and this is my last attempt to settle this before I take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with XXXX XXXX but that was closed. Nothing owed. 
Could this be another fake XXXX XXXX account - at a different level? The debt collection company name is : ARA Inc., XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect XXXX XXXX XXXX account number XXXX. ARA file # XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
On my credit report a debt from Trident Asset Management regarding a check written in 2012. At the time I was separated from my husband and never wrote a check to the creditor, XXXX XXXX. His signature is on the check. They sent me a copy of it and I told them my signature is no where on there. They stated since my name was on check first I was responsible. I no nothing about the check. They refuse to delete it from my file. I spoke with them twice but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc.
State: DE

Complaint narrative:
The name used is A RA FINANCIAL but when you answer they hang up. When I did a reverse number search, the complaints submitted were troubling. I will put the number on my block list but even the complaints have said this company gets around that, XXXX person even stated that they had her husband 's SS #. I 've had identity thief issues in the past and now I worried that this may happen again. It took me along time to get those issues resolved, I ca n't afford another situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Recieved from ARA Inc., a demand for payment of dept totally {$7100.00} off a Bank called XXXX. I have never heard of XXXX, much less owe anyone 7k. I contacted them, they threatened to take me to court and I " would pay all attorney fees '' they claimed. I demanded the proof I ever owed thisy be sent to me. They refused ( woman claiming she is 'XXXX ', and a Supervisor he claimed, saying he was 'XXXX ' ) XXXX was threatening, obnoxius and refused to speak to me after my request. I then was connected to this XXXX, who claimed they were about to take me to court. I told them go for it, because they knew I would win. He was outlandish and said he had no problem being recorded. I was harrassed repeatedly to PAY MY BILLS. They stated they had the loan information in front of them, but refused to provide such proof or such information, just " send us the money! '' after they refused I decided to investigate the Company as it was clear this likely was a sham, and found multiple complaints online filed against ARA Inc, in which the posters stated they recieved almost identical amount demands, identical claims of the bank they had never heard of, and outragious treatment once they tried to make contact. XXXX off of XXXX sight alone with the identical stories. It greatly disturbs me that in all likely hood elderly are being targeted and unknowingly paying off bills without questioning the sources of such " bills ''. I was told I owed {$2000.00} to begin with, ( never happened ) and then it had built up over the years. I demand copies showing such bills, and such transactions and proof this was myself and not another party using my name. They are refusing to provide it. I contacted them back on learning they were duplicating same amounts or close enough to be the same to XXXX if not XXXX of others across the US who had the same story I did, that they never wracked up such charges even in the past. The company has refused outright to provide it or to provide information. I asked to speak to their lawyer team, I was refused based on what this person claiming to be XXXX said, " It was his job to protect the attorneys. '' I dare this company to file legal actions and allow me into court to prove they are defauding the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANCORPSOUTH BANK
State: TN

Complaint narrative:
I am a student at XXXX University in XXXX. I am originally from XXXX. In XXXX my debit card was stollen. There was a charge of {$73.00} on my account to XXXX. XXXX is a XXXX website that does not have any contact information. Bancorp South reimbursed my account three days after. In XXXX XXXX responded saying that I was a Cardholder since XXXX and provided a fake name and address that did not match anything the bank has for my account. XXXX XXXX while I was home in XXXX break Bancorp South sent me a letter stating that I would have to write a rebuttal letter by XXXX XXXX, XXXX in order to receive my money back. I returned to XXXX Monday XXXX XXXX, XXXX and received this letter Monday XXXX XXXX, XXXX. The bank has withdrawn the reimbursement of {$73.00} because I did not respond by XXXX XXXX, XXXX even though I did not receive any notice until XXXX XXXX, XXXX. They will not return this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Ford Motor Finance established XX/XX/XXXX. In XX/XX/XXXX my account was first reported delinquent due to employment hardship. I worked on trying to catch up payments but as of XX/XX/XXXX the car was repossessed due to unemployment. The economy had been in a down slope. XX/XX/XXXX the repo was sold by Ford at an Auction and by XX/XX/XXXX Ford provided me a mailed copy of the Statement of Sale. XX/XX/XXXX Ford reported the remaining balance as a Charge off to the XXXX major Credit bureaus XXXX, XXXX and XXXX. It was brought to my attention when pulling credit for housing and employment, that a Judgement had been filed against me by Ford. Ford never notified me that a judgment would be filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole my identity and personal information and applied for a payday loan with Ace Cash Express. The payday loan account was an unauthorized and fraudulent account. I never applied or received a payday loan from Ace Cash Express. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way, I could of applied for a payday loan with Ace Cash Express, because I was incarcerated. I have attached supporting documentation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: i3 Lending, Inc
State: MI

Complaint narrative:
I made a mortgage application with I3 lending on XXXX/XXXX/15. I submitted a complete application including name, social security number, dob, address, income, and assets. I was never contacted and did not receive my required respa disclosures. The only contact I ever received was an email thanking me for my application and telling me I wold be contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
. I have been trying to work with Citi mortgage to obtain a loan modification to stay in my home. However they have not been willing to help me. There service department has lost my file XXXX different times and claimed that I never started a loan modification. They have issued me just in the last seven months XXXX different customer support specialist ( XXXX XXXX ) Which would not return my phone calls and would not return email in a timely manner. Out of the blue they pulled her out of the case and then we got ( XXXX XXXX ), which seemed to be very kind, understanding, and very accommodating. With XXXX, over the last several months we were able to get all of the documentation to her in order to complete the loan modification. XXXX indicated that she has submitted all the paperwork to underwriting department. XXXX gave me the reassurance that she would do anything that she could to keep me in my home. Citi Mortgage went ahead again and switched customer support specialist to ( XXXX XXXX ) which will not return our phone calls or emails. I have called her everyday, I was lucky one day and she actually picked up the phone. She asked my information and my loan number, as soon as she identified who I was she stated that she was on the other line. It has been over a week and I have still have n't heard back from XXXX. I just received a letter from XXXX and XXXX, which is a firm that has been retained to conduct a non judicial foreclosure sale. I am absolutely shocked, I was just told thirty days ago that all of the paperwork that I submitted looked very good and they were going to do anything to keep me in my home. Now my case has been sent over to a law firm for foreclosure proceedings. I know this is definitely against the law, and they are commiting fraud. they have not tried to help me, they do n't communicate with me, they keep switching my file around to different individuals within the company with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DISCOVER BANK
State: CA

Complaint narrative:
Told the law firm that I did not want to be contact about this debt but they sent another letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WI

Complaint narrative:
Got an email from " Ace Cash Express '' with a telephone number in Texas. Said I was approved for XXXX-XXXX with payments of XXXX/month for 36 months on XXXX. I have to retain an attorney which is why I wanted the amount. They told me that due to a low credit score, I needed to send XXXX via an apple ITunes gift card. As I need this loan I did. Then I hade to pay a {$240.00} application fee. Then another {$230.00} for " state of TX tax ''. Now they claim I bought the wrong card so they wo n't release my loan. I 'm out {$670.00}! Called from XXXX email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management System located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX Has reported to the credit agencies that I owe {$480.00} to them due to an original debt of {$410.00} from XXXX XXXX. 
When I contacted XXXX XXXX they informed me that they do not show any such debt in their records. I asked them to contact PMS and clear this misunderstanding. 
After XXXX contacted PMS and cancelled this debt with them, it still shows on my credit report. Upon contacting PMS they told me that XXXX has cancelled the debt, but they still refused to report it to credit reporting agencies to be removed from my file!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I had an end of auto lease obligation to pay Nissan Motor Acceptance Company back in XXXX 2015. I contacted NMAC via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying NMAC {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency that required a payment for the alleged debt I owed NMAC. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, Nissan Motor Acceptance Company hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. NMAC refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in Nissan 's best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with Nissan again. XXXX of companies work with you on this, they assist you with monthly payments ; however, Nissan does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was put on an auto loan as co-borrower, the borrower and I are divorced and he has me on a loan that he has defaulted on purpose because I filed for divorce and divorced him. Im now trying to move on with my life and now this issue has come up. I would like to have myself removed from this loan that is hurting my credit. Im being held responsible for his actions and Im not driving the car that is in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Collection Systems, Inc.
State: CO

Complaint narrative:
I have requested this company to no longer call my place of employment and they are continuing to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander Bank is advertising " Purchase Assurance ( XXXX ) -- Insures you for 90 days from the date of purchase for theft, damage or loss up to {$1000.00} '' as a feature of the XXXX debit card. However, they do not actually offer the service. When I went to file a claim they did n't know about the service at first. Then when they did they directed me to XXXX. XXXX said Santander did not buy the insurance policy necessary for them to offer this service. 
The Purchase assurance is advertised in hardcopy material provided when I opened my account as well as throughout their website, including at : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST GUARANTY MORTGAGE CORP
State: GA

Complaint narrative:
Dear Sir and/or Madame : As a XXXX, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX XXXX Inc. - accounting, letter of transfer XXXX - accounting XXXXg

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 2015-07-21 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: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
Collection agency Meridian Financial Services is charging me a collection fee that is absorbent and unfair. Meridian Financial Services refuses to validate their collection fee practices. They are unwilling to show me documentation on their fee assessments and state I have no right to that information per representative

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fredericksburg Credit Bureau, Inc (Closed)
State: VA

Complaint narrative:
I have a couple medical payments in collections I have no idea where they are from or for what

Company response to consumer: Closed with explanation