vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 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: H. Kent Hollins, Attorney at Law, P.A
State: GA

Complaint narrative:
This judgment was filed in XX/XX/2000 in XXXX County . I thought federal prohibits someone from collecting debt this old. I do n't know what this alleged debt refers to. It is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do n't even know if they still are in in business anymore. It has been XXXX years. This law firm should be sanctioned under unfair trade and collection procedures.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Adding money — 
Company: Empowerment Ventures, LLC
State: MI

Complaint narrative:
Rush card holder my direct deposi was sent rush on XXXX XXXX 2015 an as of to have received my funds on my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAC Financial Corp
State: NV

Complaint narrative:
I keep getting letters from XXXX companies trying to collect a debt that is not mine. I have written to them several times telling them it is not my debt.

Company response to consumer: Closed
Consumer complaint received 2016-05-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I have disputed a couple of collection account w/gold Key Credit. They have removed XXXX item but are refusing to remove an additional Medical collection account in 2014. I advised them that 1 ) I never received documentation of the bill XXXX ) My family and I receive Medicaid and Food stamps because we are low income. I recently spoke to them advising them I can provide them with my medicaid number and they refused to speak to me futher. This collection on my account has caused signficant damage to my credit anc my chances of enrolling in the 1st time Home Buyer Pram for low income familes. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Presto Auto Loans, Inc.
State: AZ

Complaint narrative:
We have been working with Presto Auto Loans of XXXX arizona. We had taken out a loan XX/XX/XXXX for {$5000.00} and now as of XX/XX/XXXX we have still not come to any conclusions or resolutions. Presto Auto Loans has since reported our vehicle as repossessed to the credit companies and we do not know where the vehicle is! They have not cooperated at all with our complaints and desire for an inquiry, we have made countless calls that have fallen on deaf ears. Countless emails have been written to the supposed " vice president '' XXXX XXXX but his replies are of a snarky rhetoric that demands we go to the police as it it now a " police matter '' we also have been told that the car has been reported " stolen ''. Nothing has been done on Presto 's part to help us with the investigation and have been extremely uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX, I received a certified letter from Capitol One stating that the company had decided to forgive any remaining debt on a loan and release any interest it had to my home due to a bankruptcy filing. The problem is that I have NEVER had ANY type mortgage loan with Capitol One. Immediately I tried to contact the company to inform them of this fact but to absolutely no avail. When I personally researched further on the internet I found that Capitol One had bought a company, XXXX XXXX Bank, XXXX XXXX. That company ( XXXX XXXX Bank ) was listed in our our chapter XXXX bankruptcy filing XXXX, XXXX. I was granted a discharge from this debt by the XXXX Bankruptcy XXXX XXXX XXXX, some ten years BEFORE Capitol One acquired XXXX XXXX and 10 years AFTER that account was closed by the court 's granting of the discharge. Capitol One 's actions of supposedly forgiving this debt and issuing a XXXX is actually a de facto attempt to reestablish a debt that was legally discharged some 17 years prior. In addition, the account number nor the property address listed on the Capitol One letter that I received XXXX/XXXX/XXXX, were the ones that were actually listed on the formXXXX creditors holding secure claims that was submitted to the court when I filed XXXX, XXXX for bankruptcy protection. I have continued efforts in trying to contact Capitol One by certified XXXX postal mail and visits to a local branch to rectify this disturbing situation for my wife and myself but again to no avail. I find these actions by Capitol One to be both despicable and fraudulent. I would greatly welcome any help in correcting this matter. My wife and I have worked extremely hard in rebuilding our lives and credit history. It was with tremendous reluctance when we were forced to file for bankruptcy protection so long ago. I was under the belief the discharge granted by court in XXXX would have protected us from this type of fraudulent and disturbing corporate activity. I have all supporting documents and I welcome the opportunity to provide them to you in the resolution of this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
On XXXX XXXX, 2015 evening, I signed a contract for a new car with features misrepresented by the salesperson. The car was returned to the dealer 's possession the next day, within XXXX hours. 
On XXXX XXXX, 2015, I was asked by the floor manager to come on XXXX XXXX, 2015, to get the problem solved when the salesperson will be at work. 
On XXXX XXXX, 2015, when came after XXXX, I was told by the salesperson that the car dealer can not do anything because it was " late, '' and I was asked by the salesperson to come on XXXX XXXX, 2015, specifically before XXXX. 
On XXXX XXXX, 2015, when I came before XXXX as requested, I had to wait for approx. two hours for the salesperson. Finally, three hours after I came, a XXXX contract for another new ( " replacement '' ) car was signed, but BACKDATED by the car dealer to XXXX XXXX, 2015, from to me unknown reasons. The XXXX contract was allegedly cancelled as never happened ( as being told by the car dealer, ) and the down payment paid on the XXXX car was fully transferred to the XXXX car contract. The car dealer did n't provide me with any document/declaration related to the cancellation of the contract for the XXXX car. 
On XXXX XXXX, 2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the finance company congratulating me on the purchase of the XXXX car that was in a car dealer 's possession since XXXX XXXX, 2015. The finance company opened an auto loan account for the XXXX car that I had NO POSSESSION of anymore, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including a car dealer 's commission, on XXXX XXXX, 2015. XX/XX/2015, I received a first monthly statement, generated on XXXX XXXX, 2015, for the first car that was not in my possession since XXXX XXXX, 2015. 
The car dealer allegedly assigned the contract for the XXXX car to the finance company on XXXX XXXX, 2015. XX/XX/2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the same finance company congratulating me on the purchase of the XXXX car. The finance company opened an auto loan account for the XXXX car, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including another car dealer 's commission, on XXXX XXXX, 2015. 
When I sent a letter to the finance company requesting information about the dates on which applications for auto loans were approved, the dates on which auto loans were reported as opened and closed to Credit Bureau Agencies, and other questions regarding XXXX car contracts and auto loans, the finance company refused to answer my questions stating that as a creditor they have no obligation to answer my questions.

Company response to consumer: Closed
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Several unauthorized hard inquiries on my credit report on XXXX2016 that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX/XXXX/2015 - Terminated my lease early because I was eligible under the " Pull-Ahead '' program and entered into a new lease. Part of the program was that I do n't have to pay remaining payments, early termination fees, or other fees and taxes. 
XXXX/XXXX/2015 - Received alert from credit bureau that I have defaulted on my auto loan for the terminated lease. I called Hyundai Finance right away and the credit issue has been taken care off. I was told that I was processed incorrectly for the " pull-ahead program '' but that account review is a manual process and it typically takes 30-60 days, and I will hear from them. 
Five ( 5 ) more calls later and after speaking with many individuals in the same department : I have not yet received an update ; the " marketing department '' has to approve it ; there is nobody they can transfer me to or provide contact information for so that I can contact directly ; they will email " the people '' and see " what the hold-up is ''. I have also sent them a certified letter requesting resolution. No response and no update. It has been 4 months since I found out there was an issue. They did move rather swiftly to inaccurately report to the credit bureaus! If they could apply that speed to their customer service and their " recovery '' department. I have also been saddled with excessive wear and tear on a vehicle below mileage limit with not even a scratch or ding.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Went to Chase bank for a refi. Only Bc of divorce and I need it out of my ex 's name. I only owe 14 years. The original loan was XXXX. I only wanted to refi the balance of XXXX. For 15 years. They took my XXXX. I gave them all the info requested. I have a credit score of XXXX/XXXX. They then need me to come in an sign a letter the mortgage person typed up. Stating that I live in my Condo. Bc I recently married. They had my husband fill out papers as cosigned when I do n't need it. They then asked for a 3 way call with my bank, I was 3 months ahead on my home loan in XXXX. Then they did it again fot a XXXX balance on my XXXX card. Then they had my husband do the same with his bank. Then they call us and make a offer for a higher interest rate then what we agreed on. A whole percent higher. Said they did n't believe I lived there. I said go there my clothes are there ask the management company. They refused and called me a liar. In fact she hung up on me. So I am out of the {$410.00} for the Loan. I can payoff the loan we have in money markets. But the unscubluous practice of Chase bank taking money and then changing the terms to get a higher rate is wrong and should be address. After thinking about it one day I went down to the front desk and asked our security do you keep records of my fob to get in and out of the building he said yes but he did n't know how far back it went. He went back to XXXX 2014. It shows every time I enter or left the building. He printed me a copy of my entrance and exits. I took them to my local bank and showed her and she said she would have the local manager call me. I got nothing from them. I called and left messages with the state of Fla area XXXX XXXX. He never returned my call. I would n't want a loan from them now if they gave it to me. I removed XXXX from my accounts there. And put it in my XXXX credit union. But I feel I should get my {$410.00}. They sent us through all kinds of unnecessary info and we provided it. We did on our end everything and was turned down. Chase should be penalized for taking people money. Yes make it know to everyone do not use Chase to do a refi or get a loan. Please feel free to call me. XXXX typed the letter at the bank and had us sign it. I have XXXX other investment properties that are rented out and I understand about investment and I put my XXXX % down years ago. Why would I rent out my home downtown where I love? Either way property appraiser has already dropped by and inspected for himself. I have his card. Which I told them about the unannounced inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
HOLLOWAY CREDIT SOLUTIONS HAS BEEN INFORMED THAT THE DEBT THEY ARE TRYING TO COLLECT FROM ME IS FRIVOLOUS. THEY ARE TRYING TO COLLECT A DEBT ON BEHALF OF XXXX UNIVERSITY AND I HAVE ALREADY INFORMED THEM I ATTENDED UNIVERSITY OF XXXX AT XXXX IN ( XX/XX/XXXX-XX/XX/XXXX ) AT THE SAID TIME OF THE ORIGINATION OF THIS ERRONEOUS DEBT. I HAVE PREVIOUSLY INFORMED HOLLOWAY CREDIT SOLUTIONS THAT I WAS A VICTIM OF IDENTITY THEFT. I HAVE ATTACHED OFFICIAL DOCUMENTATION FROM THE XXXX WHICH SHOWS OFFICIAL AND VERIFIED ENROLLMENT STATUS DURING THE TIME THAT HOLLOWAY CREDIT SOLUTIONS IS CLAIMING I WAS A STUDENT AT XXXX UNIVERISTY. I HAVE ALSO ATTACHED DOCUMENTS FROM THE XXXX THAT CLEARLY CORROBORATE MY ATTENDANCE AT XXXX ( NOT XXXX UNIVERSITY ) VIA THE PELL GRANT DISPERSAL THAT I RECEIVED **FROM XXXX , NOT XXXX**, WHICH FURTHER VALIDATES THAT I ATTENDED XXXX, AND NOT XXXX UNIVERSITY. THE DOCUMENTS OF STUDENT ENROLLMENT IN XXXX UNIVERSITY ARE A RESULT OF IDENTITY THEFT. IT IS QUITE STRANGE THAT XXXX UNIVERSITY CAN NOT PROVIDE DOCUMENTATION THAT SHOWS WHAT BANK ACCOUNT THESE DISBURSED FUNDS WERE ALLOCATED TO, NOR CAN THEY SHOW OFFICIAL DOCUMENTS FROM THE XXXX or XXXX IN THE SAME WAY UNIVERSITY OF XXXX AT XXXX HAS BEEN ABLE TO DO. THAT IS WHY THIS IS NOT A LEGIT DEBT AND THIS WILL HAVE TO BE REMOVED FROM MY CREDIT PROFILE. 

HOLLOWAY CREDIT SOLUTIONS HAS ALREADY ADMITTED IN WRITING THAT THEY HAD ACQUIRED AN INCORRECT DATE OF BIRTH-THAT DOES NOT MATCH MY DATE OF BIRTH. THIS FURTHERS DISCREDITS THEM AS UNETHICAL DEBT COLLECTORS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I have received multiple emails from this collection agency claiming to be an agent of XXXX Upon further research, I found that XXXX is a payday lender that may have opened a loan in my name as a result of identity theft. 

This collector has made no attempt to contact me via mail ; rather, it is sending emails. I do not know if this is a legitimate collection agency. If it is, the notice must be provided via mail so I may have the opportunity to make a debt validation request and dispute the debt on the grounds of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Collection company has placed a garnishment on my wages after several attempts by myself requesting information to verify debt, i did not receive notice of right to dispute and sued me where I did not live or did not sign for the debt. Judgement was originally filed on XXXX/XXXX/2006 in XXXX XXXX XXXX XXXX Maryland. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the fraud.

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 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NC

Complaint narrative:
Mercantile Adjustment Bureau ( XXXX ) has begun calling me " about a business matter '' but they refuse to give me any details until I give them all sorts of personal information like address, DOB and last XXXX of social. Seems like they should n't be allowed to ask for personal information - I 'm sure not going to give them any - and should n't be allowed to call if they 're not going to tell me what they 're calling about. 

These are the same scumbags that were calling me a couple of years ago about something. I asked them for documentation of what they said I owed and did n't hear a peep for a couple of years it seems like.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: WALDEN ASSET MANAGEMENT LLC (Closed)
State: CA

Complaint narrative:
This complain covers unlawful representation, communication and improper contact and making threats of illegal action. All of the above. I do n't know how they contacted my family or friends, or how they knew who they were. Several times these people have called several XXXX times a day, and have called my parents and other friends and contacts misrepresenting who they are, stating that I am in legal trouble or other miscellaneous false information they have my ss security number and that I 'm going to be arrested, or some other bogus information to try and obtain information about me. They also state there is legal issues pending and I must call them or report a certain case number to them. This is obviously for some debt of which is invalid and they are threatening family and friends and using scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC
State: SC

Complaint narrative:
RiseCredit forced a loan upon me, deposited the funds to my XXXX account, then reversed course the second they found out they were at fault. In so doing damaging my credit and credibility with my bank. I was a temporary resident of XXXX and become a full time resident at the time. Legally they were not allowed to complete this loan because XXXX does not permit those type entities to write business there. Im the victim here. The loan amount was for {$800.00}. Risecredit accelerated the withdrawal of these funds from my account and continued to take action against me. My bank has an open dispute regarding this matter already. I did all I could to preserve my credit and it still happened. The enterprise RiseCredit should have its charter to business in XXXX or any other state Rejected and removed. The pray on the elderly, XXXX, and less fortunate. The last XXXX of which I am. I am facing bankruptcy, Eviction all at the same time. I hope you can address this concern ASAP. The subpeopna of any documents from Them will have to be done by your legal department. My resources are very finite. I am risking being homeless as we speak. Family and friends some of have turned their back on my entirely and chose to look the other way. I have engaged in continuing my study for XXXX in the State of XXXX and will do everything in my power to both uphold and adhere to the law. My father put it best, do n't let these crooks get the better of you. And XXXX XXXX has many of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
This ( {$90000.00} ) XXXX XXXX XXXX Credit card ( ending in XXXX ) debt of more than ( 6+ ) years having no dialogue and or activity has been passed on over and over to numerous collection agencies and has now been passed onto the most recent collection company by the name DYNAMIC RECOVERY SOLUTIONS ( their account # XXXX ) located at XXXX, XXXX. XXXX ( XXXX ) XXXX. 

Conclusion : Because of the expiration of the statute of limitations to legally collect in XXXX ( 4 years ), I 'm asking Dynamic Recovery Solutions to remove this debt from my XXXX credit reporting agency and or other agencies and issue me documentation on my behalf that this time barred statue can not be legally collected any longer because of the non activity of over ( 6+ ) years and because of the expiration of the statue of limitations for the ability to collect.

Company response to consumer: Closed with non-monetary relief