vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: HireRight Solutions, Inc.
State: GA

Complaint narrative:
I was going through the hiring process at a recruitment firm and they were doing the background check through HireRight. HireRight reported that my Social Security Number ( SSN ) was issued between XXXX and that they issued a warning about it. I went to the Social Security Administration twice to confirm that they had issued me the correct SSN number and they stated that it was issued in XX/XX/XXXX. I tried to speak to HireRight about this to no avail and also sent them documents from the SSN Administration officej but that did me no good. The company ended up pulling my offer and said that they could n't hire me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: ME

Complaint narrative:
Received a call from XXXX. Rep stated I owed a " XXXX '' monies from XXXX. I do not recall this alleged debt. It was also stated account was opened XX/XX/XXXX, which today is XXXX. I did not receive any mailings from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: The CBE Group, Inc.
State: VA

Complaint narrative:
Dear CFPB, I was a victim of identity theft in XXXX. The identity theft originated out of XXXX. I was born in WV and have been a resident of XXXX since XX/XX/XXXX. 

I filed a police report and identity theft affidavit to report the crime and disputed items on my credit report ( s ) with all three major credit reporting agencies. 

XXXX of the fraudulent accounts was opened with XXXX XXXX XXXX XXXX. Another was opened with XXXX XXXX. I have never had accounts with either of these companies. I disputed XXXX these accounts ; however, neither of these companies acknowledged my dispute and XXXX subsequently turned the accounts over to a collection agent. 

The collection agents, XXXX XXXX XXXX and CBE Group refused to acknowledge the dispute and have continued their efforts to collect these accounts from me. XXXX these collection accounts appear on my credit report and XXXX are hindering me from obtaining a mortgage to buy a home for me and my family. 

I wish to file a formal complaint against XXXX The CBE Group and XXXX for unfair credit reporting practices and I request that these accounts be removed from my credit report. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc.
State: NY

Complaint narrative:
Dyck O'neal inc has incorrectly reported me over 120 days late on an account that should NOT exist in the XXXX place. The account was XXXX on the completion of a Deed in Lieu on my cooperative residence. The Deed in Lieu NEVER occurred. The related mortgage was later satisfied in full via a sale of the property. XXXX of Dyck O'Neal was aware of the failure to close the DIL and still allowed the account to remain open harming my credit. Has has lied to me now on multiple occassions and has failed to have my credit reports corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
The Law Office of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX FL Bar XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the Dyck-O'Neal have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is DYCK-O'NEAL INC. Please investigate both of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RFNA, LP
State: MS

Complaint narrative:
As a co-signer on the loan, the primary defaulted ; however, the lending company did not use my driver 's license information ( on file ) to send documents to my address. Instead, in violation of 806 and 805, a sheriff was sent to my place of employment and the summons handed over ( not in an envelope ) to my HR Manager. My personal information was handed over to a third party at my place of employment. I would like to file a complaint since the summons was not sealed and any individual in HR could leaf through the documents and by contacting me at work rather than at home, I consider this a form of harassment. 

It appears as though an administrative error occurred during the paperwork process which showed my address incorrect - the house number and street was correct, but the city and zip code was erroneously typed by the clerical staff at Republic Finance. The proper information ( copied on my driver 's license ) was never provided to the Sheriff 's department to deliver the summons. The sheriff was instructed to deliver to my employer rather than contact me at home. As such, the summons was drawn up on XXXX XXXX but the documents not sent to Sheriff until XXXX XXXX - therefore, I have lost my 30 days to respond. As a co-signer, I recognize that I now am responsible and I am willing to make arrangements, but I need to receive the proper notification and have the time to respond. I would like my 30 days back to address the summons and I would like a formal complaint lodged against both Republic Finance and XXXX XXXX XXXX. 

Finance Company - Republic Finance, XXXX, XXXX XXXX XXXX - XXXX, XXXX, MS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Meridian Financial Services, Inc.
State: AZ

Complaint narrative:
They called family members my parents and ex-father-in-law claiming I threatened someone and they needed a statement against me.

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 2017-02-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
i already talked to the collection people and said i would pay when i got a job, now they are having the collectors call my job, friends, family and using threats such as i will go to court, jail time, etc. i have asked to please stop calling my job, family, and friends and only contact me and they have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: High Point Asset Inc
State: CA

Complaint narrative:
they called me and accused me of taking out a payday loan and after proving to them that it was not me they started making treats saying that they were going to take legal action against me if I did not pay them money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE

Complaint narrative:
This is my second time filing with the CFPB. Nissan was supposed to pay off a residual balance when I purchased my new car. They did not pay it off as promised and I received a bill for over 2k. After being threatened by their management staff to call the police and have me arrested for asking them to pay off the bill ( as they promised ) I contacted the CFPB. They then back peddled and stated they would have this bill taken care of. I am not receiving collection calls about this bill, because they have yet to pay it off completely. I settle on a mortgage in 1 week and now this account is placed in collections. I am contacting an attorney and looking for some sort of compensation on this matter. Hours on the phone, credit being affected, threatened my father and myself of being arrested after questioning their management staff and now possibly affecting my upcoming settlement on my new house. This is not the first time Nissan has messed up. A year ago they applied my auto-debit payments to a car that I no longer owned and reported me delinquent to the XXXX. Nissan allowed someone to purchase my old car that I turned it and they broke traffic laws and I received the bill and had to prove it was not me. This is a joke, they are supposed to be a professional reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: GA

Complaint narrative:
I thought I would start this process again as I have documentation that supports my view of this issue. I am being downgraded by Credit Agencies. I have written each and they all take the same view. If they do not receive monthly information form a real estate source they have no obligation to report anything positive or negative on a person. This discriminates against persons who have a reverse mortgage. In fact since you have to be over age XXXX to have a reverse mortgage it discriminates against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I recently tried to purchase a vehicle for XXXX XXXX Nissian XXXX XXXX XXXX XXXX XXXX Ga XXXX. They " supposedly '' had me approved and I signed the paper work and left the dealership with the auto. 3 weeks later after no response from the dealership regarding multiple denial letters I had recieved in the mail I was told I had to return my vehicle because they were unable to get the approval needed. Upon further insights I found they had ran my credit 14 times through various companies making my already poor credit score suffer even more. Making it impossible to even be reconsidered for financing. Just feel this is very unethical and please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: QuickClick Loans of Illinois, LLC
State: GA

Complaint narrative:
I have a loan I lost my job due to car accident it 's XXXX and I would not drive I am waiting on XXXX I told them that want I receive my payments I would pay them Several time I told them So they still call me two to three time per day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: GA

Complaint narrative:
My deceased mother had a reverse mortgage on her home and upon her death the contract required the home to be sold. As the her son and the Executor of her estate I listed the property with a XXXX in XX/XX/XXXX and the listing could be seen and verified through the XXXX service and seen on XXXX. Since XX/XX/XXXX there has been a qualified buyer for the property, all documents, procedures and financing has been submitted. The home was approved for a Short Sale by R.M.S ... ..Reverse Mortgage Solutions, the company servicing the reverse mortgage based on the current appraisal amount and current market value of the property. As of XX/XX/XXXX there has been an issue with the way RMS is handling the procedure with the pending sale. They have stopped communicating as they were with the Realtors for both the buyer and seller, the assigned representative that we were in touch with no longer responds to emails or returns calls. I have not been able to speak with anyone directly by phone and when I call the toll free customer service number and ask to speak to someone about the status of the case, the call is transferred to a recording that states the person you are trying to reach is unavailable, leave your name and account number and someone will return your call. This is what is occurring at the same time the buyer has submitted everything required and is ready to complete the purchase of the home. 

The second issue is with the letter I received dated XX/XX/XXXX from a local Attorney 's office stating that R.M.S. has filed a " Notice Of Acceleration and Foreclosure '' on the property and the Foreclosure sale is scheduled for XX/XX/XXXX. It now seems that R.M.S has lead me, the Realtors and buyer on that the sale was in process and a closing date upcoming, when in fact they were in the process of foreclosing on the property and simply stalling by not communicating.

Company response to consumer: Closed
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: AZ

Complaint narrative:
It appears that my cell phone number XXXX was placed on a massive dialing system, where my cell phone was called starting at XXXX and calls would come through until XXXX. I received pre-recorded messages every single time. The messages were left on my voicemail XXXX a day. I never authorized this Law Office to call my CELL phone on a artifical dialing system and leave pre-recorded voicemail. This is a violation of The Telephone Consumer Protection Act. I tried to resolve this matter with this Law Office however however I have been hung up on and treated poorly.

Company response to consumer: Closed
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
The last payment on my note was due on XXXX/XXXX/15. On XXXX/XXXX/15 I received an email from Nissan Motor Acceptance Corporation ( identical to the emails I have received every month prior ) stating that my payment would be due on XXXX/XXXX/15. This email stated : " If you are currently enrolled in XXXX of our automatic payment programs, your payment will be automatically deducted. '' I have been enrolled in the automatic payment program for some time ( possibly since the inception of the loan ) so I naturally assumed that my last payment would be automatically deducted. Today I received an email from NMAC stating that I have an overdue balance. I called NMAC and explained the situation to a customer service representative. I was told that the last payment can not be automatically deducted and must be paid directly. I told the representative that I had not received any correspondence informing me of this policy and that I had, in fact, received a statement saying that my payment would be automatically deducted. I was told that this information is " usually submitted via the email information we have on file. '' I responded that I had not received any correspondence from them and, therefore, would like the interest to be deducted from my account. I was told that my balance was " not negotiable. '' I then asked to speak to a supervisor. After being put on hold for several minutes I was told that a supervisor had been found and that my call was being transferred. At that point I was put on hold again and, after a lengthy wait, my call went through to a mailbox ( extension XXXX ). Instead of leaving a message I chose to call the extension again. At that point my call continued for several minutes unanswered before it was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: OR

Complaint narrative:
There is no debt. They refused to send documentation, were argumentative on the phone, presented an option to settle, and said they sent an email that i was expecting but never received. after further research I discovered that this number is fraudulent.The number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I bought a truck from XXXX XXXX. I was living in XXXX at the time so when I drove XXXX hours to pick it up all they did was have me sign one sheet of paper. that was the buyers paper work from the sales mgr. 
we had agreed that they would take XXXX off the sticker price. we agreed that they would give me XXXX for my trade. so after i left the dealership it was n't until a month later when I got the papers in the mail to sign. I was making a lot of money then and did n't look them over very good. now that I have looked them over I have found lots of mistakes and I 've figured out how they screwed me on the vehicle. it is unbelievable. i want to fax yall this stuff and i would like to meet you in person to explain everything. i do n't care how far i have to drive. there are so many mistakes and lies, and forgeries that I would just have to show you in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I wrote a cease and desist order on my account, however the company is still calling and send various letter in the mail about the debt. I have called and tried to speak various people in leadership but no one seems to care. They stated and I quoted. the do not have to abide by Debt collector rules.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander Bank is force placing insurance on my loan due to XXXX rules that should not apply to my property - they are wrongly treating my building like a giant apt complex instead of a small cooperative building. Numerous email and phone calls have gone unanswered - always need to talk to someone else who is never there. They have no force placed added insurance and will deduct cost from my escrow. They are stealing from me. Can you please help me get a satisfactory response from this dishonest lender? Will you please help revoke their banking charter, as they are clearly robbing consumers as a general practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 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: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
I had a debt of {$29.00} that was in disputed with XXXX that was paid, at least XXXX. The debt occurred around XXXX of 2014, where XXXX said I did n't return a piece of equipment when I left XXXX for XXXX. I did return all items, directly to the XXXX store. I, unfortunately, did not save the receipts on the equipment. That is where the initial dispute occurred. 
I have also called XXXX numerous times, spending hours of my valuable time, being told to call many different and ineffectual departments with no answers. In XXXX of 2014, I received a letter from XXXX XXXX, a debt collection agency for the {$29.00}. I wrote a letter of dispute to them in XXXX of 2014 and I have not received any correspondence from them afterward. 
I eventually came back to XXXX and had to open the account under my wife 's name, as I was unaware that they would not open an account in my name. Since I use XXXX to pay my recurring bills, I paid the XXXX bill of {$180.00}, but, it was sent to the OLD XXXX account number in my name. I contacted XXXX and they would credit the NEW account number for the payment. They did do that, but with the {$29.00} deducted as a past due amount. This would be the XXXX time I paid that amount. The first is the dispute over the equipment. 
I then learned that a new Debt Collections company called Trident Asset Management entered a NEGATIVE entry on my credit profile with XXXX and XXXX for {$29.00}. I again spent hours calling XXXX and Trident to dispute the charges. XXXX, after much time and effort sent me a " Paid in Full '' letter which I forwarded to Trident.Another issue that adds to the complexity for resolution is that these companies change the account numbers so that when we as consumers try to trace the issues backward in time, there are no accurate corresponding account numbers. 
I have spoken to Trident and was told that they did receive the documentation and that they would remove the erroneous entry on my credit profile. I wrote another letter to Trident asking for a " Closure Letter '' and I am still awaiting that. 
I am concerned that Trident is searching through various databases that they have access to that may list outstanding ( paid or not ) debts and sending collection notices to these people, of which I am XXXX of them. I am now resigned to either continue the fight against, who knows how many companies like Trident or XXXX. Even if I give in and again pay {$29.00}, whose to know that this kind of fraud will not continue? I do not see an end to this vicious cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANCORPSOUTH BANK
State: MS

Complaint narrative:
Hello, Please see the attached document for your review. I am filing a complaint regarding merchant, XXXX XXXX in the amount of {$990.00} charged to my XXXX on XXXX XXXX, 2014, under services not rendered as described. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation