vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 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: North Shore Agency, LLC
State: CA

Complaint narrative:
At one time, we had a subscription to XXXX XXXX which we did not renew. We no longer receive the magazine. Lately a company named North Shore Agency, which identifies itself as a collection agency, has send numerous threatening letters giving us the " opportunity to reinstate our subscription in the amount of {$17.00} before further collection activity becomes necessary. '' I researched this company on the internet and there are XXXX complaints about people receiving such threatening letters related to magazine subscriptions people never had or did not renew. Obviously this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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: ERC
State: MT

Complaint narrative:
XXXX has sold a very old account ( I have not had XXXX in over 10 years ) to a collection agency called Enhanced Recovery Co. They have never contacted me but have put a collection account on my credit report ( no amount owed is indicated ) and when I call them and ask to speak to a Rep they hang up on me. I want this removed from my credit immediately! I do not owe XXXX XXXX any money. This collection just appeared on my credit report in the month of XXXX XXXX with an " open '' date of XXXX XXXX, XXXX. This is bogus and should not be on my credit report. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: FL

Complaint narrative:
Received a phone call from the 'federal student loan processing center ', voicemail left by a man name " XXXX '' and that I 'm eligible for a reduction in my student loans, an offer from the current administration. I did not speak to this person, only have a voice mail on my cell phone from phone # : XXXX. I have not and will not return the call, nor take the call if I 'm call upon again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: ERC
State: TX

Complaint narrative:
Old business cell phone bill for a business I was a limited liability partner in. Debt collector did not contact me in any manner prior to listing the debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I have several complaints, I sent a debt Verification Request and a written cease of communication notice ( limited to mail only ) to The Bureaus Inc. on XXXX XXXX, 2016. As of today they have not responded to my request in writing however, they hired a second collection agency called XXXX XXXX , XXXX. When I was contacted by XXXX XXXX XXXX on XXXX XXXX, 2016 they claimed to represent XXXX XXXX and were trying to collect a debt on their behalf. My husband and I informed them I was n't aware XXXX XXXX XXXX on our credit report and was transfered to a supervisor. The supervisor then informed us that XXXX XXXX XXXX XXXX. is trying collect for XXXX XXXX. We informed him that the only XXXX XXXX collection that we aware of is the one owned by The Bureaus Inc. and informed them that we sent them a request for Validation and written cease of telephone communications. We asked if The Bureaus Inc. sold the debt to XXXX XXXX and he informed me that they work on " behalf '' of The Bureaus Inc. and that they are their clients. We then asked why they were stating they were working on behalf of the Original Creditor XXXX XXXX because both he and the original caller stated they were calling on behalf of XXXX XXXX. The Bureaus is using another collection agency to collect a debt on their behalf, even though this agency is claiming to work for the XXXX XXXX. The Bureaus Inc. was given a request for Validation and a written cease of communication and are using another agency to communicate illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 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: ERC
State: CA

Complaint narrative:
I returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices.

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 2017-01-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I was approved for a {$500.00} loan through Big Picture Loans. I was unaware of the 850 % interest rate that would result in a {$4000.00} worth of payments also they had starting auto debiting my checking account for {$200.00} bi weekly. I was not able to see the truth and lending disclosure until after the funds were delivered to my bank account, There is no billing statements or any mail being delivered to my address from this company, to even show what date your account is being debited they only send an email stating they took money from your account. I feel this Illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I applied and received a loan from Castle Payday. After Castle Payday closed operations, apparently they transfer my obligation to a third party, Big Picture Loan. I continue paying to Big Picture Loans for almost 15 months, but XXXX day I received a call from another company, XXXX XXXX, claiming that Castle Payday transfer my debt to them and not to Big Picture Loan. After I received a letter from Big Picture Loan clarifying that indeed they were receiving my money by mistake and they ( Big Picture ) will refund me with a check for the total amount, I decided to pay my total debt to XXXX XXXX. That was 3 month ago. After that, Big Picture Loan never returned my money. Several calls from me to Big Picture have been for nothing. They said that the check was sent, I never received anything. I felt like my money was stolen by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Before XXXX 2015, I have a credit score in middle XXXX on all XXXX credit bureaus. After being denied credit I discover all kinds of wrong information on my credit profile. So I file an Identity theft report with the XXXX Police Department, in XXXX, XXXX XXXX File # XXXX ). I send the report to the XXXX major credit bureaus and the creditors. All the creditors and credit bureaus deleted the information from my credit report quickly except Experian. XXXX of the creditors told me that Experian is the XXXX that had cross referance my file with someone else with the same name. My name is XXXX XXXX XXXX XXXX Address ) XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX. My DOB XXXX ( SSN *********** XXXX. And that is the way i apply for credit and that is the way the creditor report my information to the credit reporting Bureaus. After sending Experian a copy of my ID and SS Card that tell me that they dont have no information in there database under that information. Which is a bold face lie and i told them so and that their job is to apply the information in there database exactly like the credit provider report it to them. On a credit report that I have from them is show a difference SSN and Several addresses and phone number that i know nothing about. And they refuse to correct this misinformation. This has cause me denied creditXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: Affiliated Acceptance Corporation
State: TX

Complaint narrative:
Affiliated Acceptance is in violation of the Texas Finance Code. Affiliated Acceptance has failed to verify this debt in accordance with 392.202, also they do not have a surety bond on file in the State of Texas which is a violation of section 392.101. They are reporting XXXX accounts on my XXXX report ; I have disputed this with both XXXX and Affiliated Acceptance.

Company response to consumer: Closed
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EMPIRE MEDIATION SERVICES LLC
State: WA

Complaint narrative:
A company named EMS continually calls me regarding a payday loan that I never took out. They are stating that I took the loan out in XXXX of XXXX and it was deposited into a XXXX XXXX account. I have had a XXXX XXXX account since XXXX and I have n't taken a payday loan out since XXXX. I do not recognize the loan company that I supposedly took the loan out with. This company has gone as far as contacting my direct family and my in laws. If I did take a loan out I would not have put my family members phones numbers on the loan as contacts. They refuse to stop calling me unless I submit a form to they mailing address to stop and desist on the phone calls. They are threating me with taking me to court for the full amount owed plus legal fees the have accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
Following the loss of my wife 's job in XXXX XXXX and failure of XXXX to renew the Federal Emergency Unemployment Act for XXXX, my wife and I applied for a modification on the mortgage of our single family residence in XXXX, MO in XXXX XXXX ( see hardship explanation attached ). Our servicer, Seterus, Inc. accepted us for a trial modification which we completed in the latter half of XXXX having made all payments within the stipulated timeframes. The first month we were due to start our permanent modification we noticed we could n't make payments online because Seterus portal referred to our modification as " Reviewing for Completeness '' and would n't let us progress to our mortgage account page. Upon calling customer service on XXXX occasions in late XXXX, we were advised since we paid XXXX of our trial payments in XXXX instalments that Seterus ' automated system had not processed our mortgage as permanently modified and our paperwork was required to be reviewed manually. We were told this explained the " Reviewing for Completeness '' dialog on the website ( screen grab attached ). We were told not to send any more payments as they would be held in a suspense account or returned to us and that the best way to proceed was, in the agent 's own words, to " jump start '' our modification by reapplying for another XXXX. We were told we were still subject to foreclosure at any time. Following this call, my wife and I decided it was not in our best interest to get caught in a cycle of applying and applying and we decided to wait on the outcome of the review of our original documentation. For the rest of XXXX and all of XXXX we received no further written correspondence in relation to our modification and Seterus website was unchanged displaying a dialog that our modification was still " Reviewing for Completeness '' and so in XXXX XXXX we sent them a fax requesting an update on the status of our modification, or completion of the modification, both within 30 days ( copy of fax and confirmation of receipt by Seterus FROM Seterus attached ). To date we have still not received any written correspondence from them except our monthly statement for XXXX showing 683 days past due in the amount of {$16000.00} including fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I used Equifax to get my free credit report. When doing so I noticed that there was some sort of bill that I owed to XXXX. I called them about it to see if I had a remaining balance with them. They checked their system and did not find any kind of balance that I supposedly owed. XXXX gave me the direct line for citations so I could call to see if I owed a balance with them. They checked their system and did not find an unpaid bill. 

I am not too sure how to go about getting this off my credit report since I do not owe anything and it is hurting my credit. Please contact me at XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed a series of unauthorized inquires on my Equifax report that I want thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
why should I have to write a letter to get my information, what is the problem it is telling me I need to write a letter to get it. this is time consuming not realistic today, people use the computer for everything and phones and email. now I have wasted time and more time because I need my credit information now! there should not be any issue with getting it online, and it does not tell me the reason. no security issue should not be handled that way because I still do n't know the issue. I do n't have time for this. this needs to be fixed and better convenient for people. we have to be systemized to do anything! is unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SET Financial Corporation
State: SC

Complaint narrative:
I live on XXXX. Set Financial has been calling all my contacts even after I told them not to. I am 3 payments behind and is having financial and health issues. I had like 10 texts on XXXX XXXX. I am getting rude calls from XXXX, SC. Please help back them off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. There are multiple inaccuracies in this reference to XXXX XXXX XXXX. First, the delinquency data is inaccurate as the date of delinquency was in 2011. Second, the balance owed is inaccurate as the balance is {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from the company indicating that they are in possession of this debt. The Fair Credit Reporting Act states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit since my wife and I are looking at what it would take to get a house next year in the XXXX. When looking at the Equifax report in early XXXX I noticed a card on the report that was not mine. I disputed the item with Equifax , who then a month later said that they had verified the account and that it was " mine ''. I called the Bank and they claim that I do n't have an account with them, yet Equifax insists that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
My mother died on XXXX XXXX, 2015. I am the administrator of her estate. She had done a reverse mortgage with the lender RMS ( reverse mortgage solutions ). We have given the lender everything they have asked for and we are currently trying to sell the home ourselves. However, the lender will not communicate to me what the timeframe is that we have to sell the property. Can you help us get this information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: ME

Complaint narrative:
im writing in regards to XXXX ameracredit sent to irs i have n't heard anything from this company for fifteen years now irs is making pay taxes on this im XXXX and need my tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I overdrew my checking account. I had sufficient funds in my money market account to cover the overdraft but the bank chose instead to take the funds from my overdraft protection line of credit and charge me interest. Their excuse to me was that my money market account was n't linked to my checking account. I had been told previously by local bank people that it would automatically come out of my money market account. I believe that this is a fraudulent practice by the bank to make more money at the customer 's expense.

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 2015-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Collection Systems, Inc.
State: NY

Complaint narrative:
Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM FINANCIAL STILL CONTINUES TO REPORT THIS AND NOW SHOW AS PAID OFF AND ZERO BALANCE. 

I CLOSE ON A MORTGAGE ON XXXX/XXXX/2015 AND THIS MUST REFLECT PAID OFF WITH ZERO BALANCE AND ZERO MONTHLY PAYMENTS ON MY CREDIT BUREAU. 

I WAS NOTIFIED THIS WOULD BE DONE BY XXXX/XXXX/2015 AND IT IS NOT DONE!. 

I NEED THEM TO FOLLOW PROCEDURES AND TO EXPEDITE THIS TO THE CREDIT BUREAUS TO HAVE THEM ALL SHOW THAT MY LEASE IS PAID OFF AND HAS XXXX PAYMENTS LEFT AND HAS A XXXX BALANCE. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I settled an account with GM Financial in XXXX 2014 ; however, GM continues to reflect an unpaid balance. I spoke to a representative in the " Escalation Department '' that told me that the only way to remove any showing of a balance, even after paying the settlement off, is to pay off the difference. The pre-settlement balance was approximately {$6000.00} ( uncertain of amounts ). GM and I agreed to a settlement of approximately {$2100.00}, but continue to report that owe approx. {$3900.00}. Is this double jeopardy? Although they agreed to the lesser amount, they 're telling me they wo n't remove the unpaid difference from my credit report. I 've asked for a letter from GM that states the account was settled for $ XXXX with a {$0.00} balance due, but they will only send a letter that says the account was " settled in full ''. I 'm not sure what that 's supposed to mean to me and other creditors when GM is still showing a {$3900.00} balance due? I 've tried working with them, but I 'm not getting anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 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: High Point Asset Inc

Complaint narrative:
XXXX calls to phone number reassigned to us 6 months ago. Previous phone number owner named in complaint. Told agent he had wrong number and he agreed to remove us from further calls, but calls continue. Fed up with their calling.

Company response to consumer: Closed with explanation