vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
See prior cfbp case # XXXX. Dyck-O'Neal, Inc. initially attempted to collect debt from me based on stolen identity. I submitted a Federal Trade Commission Identity Theft Victim 's Complaint and Affidavit, signed in front of a XXXX County, Maryland police officer. In cfbp case # XXXX, XXXX Inc. agreed that I was the victim of identity theft and agreed to delete its trade line from my credit file. BUT, within days of receiving the resolution to cfbp case # XXXX, XXXX, Inc. issued me an IRS Form XXXX ( Cancellation of Debt ) for {$210000.00}. Since I was the victim of identity theft, XXXX, Inc. has NOT forgiven any debt of mine and I believe it filed the IRS Form XXXX in a blatant attempt to penalize / harm me for bringing my concerns to the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
Date of last activity was XX/XX/XXXX, and account was closed on XX/XX/XXXX. 

These people have no legal right to contact me and/or attempt to collect on a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
Been receiving e-mails from this company stating that I owe them for a payday loan. This has been going on for the past 3-4 years and I am tired of it. I have asked several times for information stating that I received this loan, but I keep getting the run around and they say they ca n't because they have several companies that they work for. I told them that if they have my information and the contract that I signed that they know the company that they claimed I received the money from. I have basically all of the e-mails that have been sent and I have sent back at them requesting all this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: PA

Complaint narrative:
I do not have a debt. This company calls continuously and hangs up on me. I WILL NOT pay any money for a debt that is not mine. Stop calling ; cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I took out a loan with Ace Cash Express. I was unable to pay on the loan due to garnishment. I continue to receive harassing calls from them stating that I will be sued. In fact, I received a harassing call today from XXXX, using legal jargon that I would be arrested and that someone would be coming to my resident to serve papers. This calls are daily and I do n't appreciate it. I 've tried to work with them serval times before, but I just continue to receive harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
Are calling multiple times per day, as frequently as 5 times per day using a XXXX number and leaving NO message as directed This is disruptive to my work environment. Other creditors are leaving Voice messages and only calling 2x per day maximum and leaving Name, Company Name and number to be reached at. 

I believe Ace Cash Express is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP
State: GA

Complaint narrative:
Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file. 
Republic Finance XXXX XXXX XXXX XXXX, ga

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Wilson, Riley & Associates
State: AZ

Complaint narrative:
Wilson Riley and associates called and threatened to have a warrant issued and to sue me over a debt from XXXX or XXXX they curse at you called my ex wife and threatened her with the same even though at that time we have been divorced over 5 plus years. One man called and stated he was an investigator with the state of California. I have voice mails verifying the tactics they use and can forward it as I saved it. Wilson Riley and associates have called numerous times, we agreed to pay off the original amount and the XXXX payment was late as we were loading it on a card then we received another threatening call about a sheriff coming to our door with a warrant and that I will be sued and charged with wire fraud because we declined a wire transfer between states. They also said our agreement was null and void a d that my info was erased from their system, but on XXXX XXXX, XXXX they took out {$110.00}, so XXXX payments that are unauthorized were taking out, going by their words nothing should have been touched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE GMFINANCIAL XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear GMFINANCIAL, I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Furthermore If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
I had a financial hardship in the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and was n't able to make my car note on time. I called Nissan and told them that I would be late making my payments and wanted to know if I could get my due date adjusted. Nissan refused to do such but instead kept calling my home after XXXX up until XXXX at least XXXX times or more each day. Kept telling me you need to make your payment and I told the representative that I was having a hardship and had called to let them know and was refused payment arrangements. So Nissan put late 90 days on my credit report and now I am having a hard time getting credit to buy things that I need due to the 90 day late status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc
State: IL

Complaint narrative:
Continue to call me and another number XXXX. 

saying I will be taken to jail etc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Lionstone Holdings Group
State: MO

Complaint narrative:
First message was left on my mother 's phone. When she returned call they provided her information about debt. Next I was called by a private number posing as a process server and said could not disclose nature of information needed to contact collector. At XXXX to gain any further information informatipnusing ref # XXXX. This phone number belonged to lionstone holding who sent me a letter via email. This debt was said to be {$490.00} from XXXX XXXX XXXX. I believe the debt collector falsely posed as a process server

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: QuickClick Loans of Illinois, LLC
State: GA

Complaint narrative:
I never not received a judgement demand letter from this company. I never received any communication from this company about the outstanding debt.The first communication was sent as a form of garnishment to my employer. My employer notified me. After I spoke with the representative from Quick Click Loans, I was told I did not have to be notified.

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: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I currently have a loan with Santander Bank loan # XXXX on my property located at XXXX XXXX XXXX in XXXX ma XXXX. At this time It is in foreclosure and an auction scheduled for XXXX XXXX, 2015 which is next week. For 8 months we have tried working with the bank on a loan modification supplying them with all the required documentation ( sometimes XXXX and XXXX times ) After all this time they have denied our modification and now want to auction the property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: Todd, Bremer & Lawson, Inc.
State: WA

Complaint narrative:
The person on the other end of the line only verified the address of the debt with me on the phone and did not verify that they were speaking to the person that they needed and proceeded to give out personal information-about it being a loan for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Brock & Scott, PLLC
State: VA

Complaint narrative:
Debt Collectors are attempting to steal my home after the debt has been discharged lawfully in a Chapter XXXX bankruptcy. Discharge paperwork lists mortgage as fully discharged. Interlopers are trying to force me out of my home with threatening unsigned letters. I have made numerous requests for the full account loan data which have been ignored. I have also sent FDCPA Validation Letters that have been ignored.

Company response to consumer: Closed
Consumer complaint received 2017-01-15 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: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
I was a XXXX at XXXX, I signed up for a class, then dropped the class in favor of taking it at XXXX. They never processed my drop, it said drop pending ( hold ). It apparently would n't let the professor kick me out either. I never attended the class. A year later i get a bill from XXXX. I turned in forms at XXXX showing the fact it said drop pending and that i took thaf class that semester at XXXX college. They told me the situation would be handled, closes my account and wrote it off. 3 years later I find a collection on my credit report. Even though this was supposed to be settled I paid the XXXX. Then after I pay it they tack on XXXX in fees. This should of never been billed to me and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my Nissan Rogue Select. I purchased my Rogue from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were periodic and monthly in the amount of {$310.00} from XXXX XXXX until XX/XX/XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly neither want a repossession of it nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel XXXX as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of threat, credit downgrade, nor any other impending action despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all midmorning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX XXXX but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent Millennials who " upgraded '' the NMAC system to the tune of XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: OR

Complaint narrative:
we have a XXXX mortgage for purchase with reverse mortgage solutions and they are threating foreclosure on a lapse in flood insurance of three months in 2014 due to fema of a total amount of XXXX dollars our flood insurance is XXXX dollars per year I am on a fixed income and can not pay the amount they are demanding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I inadvertently used a Santander account to pay a XXXX phone bill. It must have been on a selection list I did n't notice. In any case there were insufficient funds to cover the payment. I only really use this account to transfer funds to my daughter 's college account. I received XXXX notices, XXXX postmarked XX/XX/XXXX ( XXXX days after the transaction date ) and another on XX/XX/XXXX 7 days after the fact telling me I had XXXX days to remediate the issue. All the while I had already been charged an additional {$35.00} fee for not adding funds to the account.. That seem like an unscrupulous business practice. I was told by their representative that I have to continually review my account and I was out of luck. That 's ridiculous ... They know enough to send a notice but wait XXXX days to send it to ensure XXXX % of the time they 'll get another {$35.00} ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Recovery Services, LLC
State: SC

Complaint narrative:
The company is harrassing me concerning a debt that is on my credit file due to fraud. They told me that do not care about whether it is ID Theft they are not going to remove the debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I had an automobile loan with Nissan Motor Acceptance. I madde timely payments for most of the life of the loan. well towards the end of the loan life i experienced financial difficulty. I called Nissan as I was unemployed foir an extended period of time over one year. I was told that i could defer payments for up to 4 months and request this separately for each month. i lost my job as i needed to go on XXXX leave. with a XXXX my job at the time let me go to avoid XXXX payment. in any event i needed to defer my payments. XXXX granted them however they repossessed my car during this deferment i had only XXXX payments of XXXX left before the car would have been paid off. they added repossession fees and interests and sent me to collections. at the time i was XXXX and finances and did not know how to dispute this. please investigate and resolve. my credit is ruined with the reposession and the car is gone and it was almost paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Hi. 
Tha complain is about Loan Care Bank where my mortgage company is after XXXX XXXX XXXX sold it to them. The thing is that I sent my payment on time from NY to PA that is their payment center and have passed 12 days and they said that this payment has not received and now came new month and I went to their website to check if the payment was receive and appears a note that says that my account is 30 days past due!! But I was reading reviews and I am not the only one that happened also they do not post the monthly statements on time. Now my credit score will be low just for something like this.

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