vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-19 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: PA

Complaint narrative:
I was told that I pay them a certain amount and my student loan would be forgiven, was contacted by XXXX and they stated that, not true never heard of the company and i been paying them sine XX/XX/XXXX, monthly since. And nothing has been paid towards the loan. Also that a student loan is never forgiven, so I been paying them, thinking it would be paid off, tried calling have to leave MSG for someone to call back. The company name is Equitable Acceptance Corporation, XXXX, MN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
Released tax lien XXXX This tax lien has been released and is from XXXX! It was removed from my file in XXXX and has been reinserted and shows that I owe money. I do NOT owe anything on this. Please remove this from my file. I am including the proof. 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I do n't know why this is reporting as lost or stolen ; please remove this status - I did not lose my card Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX XXXX XXXX ( listed 3 times ) I lost my card one time and it is listed 3 separate times and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are XXXX negative items on my credit report of a Foreclosure and a Bankruptcy. The foreclosure was never foreclosed on and probably never will because I believe it is Fraudulent. I am consulting with attorneys to start a Damage Claim Lawsuit because of this. The bankruptcy was a result of the foreclosure. Both of these items have caused me a great deal of Damage by being on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with Equifax about my account credit balance being incorrect. On XXXX XXXX I receive the dispute resolution from Equifax showing the correct information " account paid in full {$0.00} balance '' On XXXX XXXX I receive an alert showing the my account balance has increased from {$0.00} to {$3000.00}. On XXXX XXXX I run a new report and I see that Equifax continues reporting the wrong account balance. Please help, attached is the dispute resolution from Equifax. thanks ( PAGE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax, and only Equifax, not XXXX and not XXXX filed an collection item on my credit report that ( i ) belonged to someone with the same first name but a different last name, XXXX ii XXXX belonged to someone on a state in which I have never lived and XXXX iii ) did not have a correlating social security number. In addition, they added that person 's name and address to my credit. I received notice of this from a credit monitoring service I use. This item caused my credit score to fall from XXXX to XXXX with Equifax and from XXXX to XXXX with FICO. 

I contacted the creditor, confirmed that they did not provide a social security number to the credit reporting agency and notified them of the error. I also filed a dispute with Equifax and a notice with XXXX and XXXX of the false information Equifax was reporting and the issue. Equifax investigated and removed the false name, address and and item from my credit report. HOWEVER, they failed to restore my credit score to what it had been prior to their error. 

I sent a letter requesting that they restore my credit score. They did not. 

I then called them in an effort to address the issue. This was an extremely frustrating experience in which the agent just stated the same thing over and over and failed to address my issues or concerns. They made me pay and wait two weeks to find out via mail what they restored my score to. I just received the information via mail, which confirmed that they had NOT restored my credit score to the proper number. My credit score should be XXXX, not XXXX as stated on the report I was forced to pay for. 

I think that Equifax operates in a manner that is unethical and, essentially, a racket against consumers in this respect by ( i ) allowing unsupported, unsubstantiated and clearly erroneous negative information to be filed on the incorrect person 's credit report and XXXX ii ) requiring the victim of this to then either pay them for their credit score or pay to join their program in order for the victim to confirm that they have been fully restored and made whole. I would like my credit score restored to what it was prior to Equifax 's erroneous actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a checking account with Santander Bank, and I received a text message on XX/XX/XXXX alerting me to possible unauthorized transactions on my debit card. I was n't sure if the text was legitimate, but I immediately checked my account and there were XXXX unauthorized transactions. I then called the customer service number in the text message and was connected to the Santander fraud department, who immediately declined XXXX of the XXXX unauthorized transactions. They let me know that the fourth transaction, in the amount of {$50.00}, was already processing and would post to my account on XX/XX/XXXX. Their instructions were to call regular customer service on XX/XX/XXXX when the transaction posted. They also told me on the phone that the security breach affecting my card had happened XXXX days earlier and they were already in the process of issuing a new card, although they had not notified me of this and had left the old card open in the meantime. 

The XXXX unauthorized transaction of {$50.00} did post to my account on XX/XX/XXXX, and I immediately called customer service. They told me they would open an investigation, which would include sending me an affidavit in the mail, and after that it would take a minimum of XXXX business days until they could restore the {$50.00} to my account. I find it extremely disappointing that the bank will not credit back the money when it was the bank themselves who notified me of the unauthorized transaction. 

I asked for the money to be credited back immediately and was denied. I also asked what the bank is doing to protect me from fraud, and what benefit there is to me being a customer with their bank, and was given no good answer. I am filing this complaint because I am still without the {$50.00} in my account, and because I want to warn other consumers about how frustrating it is to do business with Santander Bank.

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 2015-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
I purchased and financed a car from Drivetime in XXXX Fl in 2013. They have not honored their agreement to report this financed purchase to the XXXX main credit bureaus. I have made repeat calls on this issue for over one year and it still has not been resolved. I have them deduct my loan payment directly from my checking account but they still feel the need to send me payment reminders to pay my loan every month. I get a different answer every time I call with a different promise to resolve the problem. I saw the legal action you have taken against them so I thought you might be able to assist me in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
I am being harassed by RMS Reverse Mortgage Services through whom I obtained a Reverse Mortgage last year. I have signed and returned three times, in the self-addressed envelope they provided, their letter of request for Certification of Occupancy. They continue to telephone me, threatening foreclosure. When I call them back, they insist they have never received my signed letters. Twice now they have left anonymous letters at my home, once entering my closed gate to leave it in my screen door, and yesterday a guest brought me another anonymous letter which was left on my front gate. Last week, in another telephone call from RMS insisting no signed letter of Occupancy has ever been received from me, I asked them to email a fourth such letter, said I would sign a fourth Certification of Occupancy, scan and return by email to RMS. Their agent agreed to email me the letter. I have received no such email, and yesterday 's delivery by my guest of their anonymous letter is the last straw. I have attached a copy of the first letter and envelope stuck in my screen door. 

I have excellent credit and should not have to put up with nasty phone calls and threatening letters. The only money I owe to RMS is the reverse mortgage they are accruing interest on each month, which will be paid if I sell my house or die.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
PHH Mortgage Corporation - Mortgage Service Center is a " debt collector '' pursuant to 15 USC1692a ( 6 ), 15 USC 1681n, and Florida Statute XXXX ( XXXX ). I have mailed several request to PHH Mortgage Corporation by certified mail for verification and validation of an alleged debt. 

Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of Debts and Florida Statute XXXX - Assignment of Debts, In a my correspondence with PHH Mortgagae Corporation, I asked that it 's agents provide supporting evidence to substantiate its claim., within thirty ( 30 ) days. 

PHH Mortgage Corporation, through its agent XXXX XXXX, has attempted to seize my property and alleges, in a complaint filed in the State courts of Florida, a default on XXXX XXXX, XXXX. 

The complaint alleges a default on a loan on XXXX XXXX, XXXX. However, this company 's alleged claim is based on an fraudulent assignment recorded XXXX XXXX, XXXX, 11 months after the alleged default. 

Also in a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX using a XXXX letterhead acknowledged receipt of a debt dispute and in response mailed a second letter dated XXXX XXXX, XXXX with a PHH Mortgage letterhead alleging XXXX XXXX as an investor on the account and listing XXXX as a servicer on their behalf. 

I have several account statements from XXXX marked with the original account number showing the account is still open and alleges I owe {$80000.00} and lists PHH Mortgage Corporation as the servicer. 

The account statement from XXXX for the account raises the question did PHH Mortgage Corporation give value for the alleged assignment as required by Florida Statute XXXX and the Uniform Commercial Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I purchased a ring as described as a certified XXXX yellow gold Alexandrite ring on eBay and paid using my PayPal account. After receiving the said merchandise I verified the information with my jeweler and the jeweler informed me that this ring was not XXXX gold and the size of the alexandrite did not match the certification documents. Contactingboth EBay and PayPal they said they could not help me with my claim as they bothclosed my claims without informing me. As noted in the eBay terms of use it clearlystates in their money back guarantee states " If a buyer suspects that an item is counterfeit, and there are strong indicators that the item is counterfeit, we do n't require the buyer to return the item to the seller. The buyer agrees to cooperate with us to ensure the proper disposal of the item. In such instances, we refund the buyer for the full cost of the item and original shipping, and the seller reimburses us for the refund. The buyer may not sell the item on eBay or elsewhere. '' XXXX EBay Money Back Guarantee XXXX. As EBay and PayPal unable to resolve my issue as informed by representatives of XXXX company 's they informed me to file a claim with my bank. It is quite frustrating how EBay does not honor their own money back guarantees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I never had an account with General Motors. I sent a direct dispute asking them to provide me with documentation that I had an account with them, but they failed to provide me with any paperwork. They just sent a one-page letter stating that my account is reporting correctly to the XXXX, XXXX, XXXX agencies. I know it 's not reporting correctly because I never had an account with them.

Company response to consumer: Closed
Consumer complaint received 2015-12-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
NISSAN MOTOR ACCEPTANC creditor delinquent my account for not paying 2 Months. I set up a Auto Debit from my bank account and they had trouble in getting money from my account. They did not inform me via Email or Portal Mail about the late payment. When I checked my credit report I realized this and contacted them and paid the XXXX. They promised to remove the delinquent on my account in 7 days and this conversation happened in XXXX XXXX. Till now they did not do anything related to my delinquent and also the customer support people was very rude to me. Because of this delinquent my credit fell XXXX points. 

Also I spoke to them on XXXX XXXX and paid off the bill on the same day and again on XXXX XXXX they sent another delinquent notice to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I 've contacted GM Financial several times regarding them leaching onto my credit since XXXX/XXXX/2013 and there still there.? I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: IL

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX at phone # XXXX. This debt collector informed me the calls stemmed from an outstanding Pay Day loan bill from XX/XX/XXXX. I did not apply, nor have i received a Pay Day loan from any company, yet XXXX XXXX knew my phone #, address, Social Security #, Bank institution and Account #. I advised her that I did not take a Pay Day loan, and did not know how she knew my information. Also I asked for proof of this debt ( See attached ). XXXX XXXX then in an attempt to prove that this debt was legit ( Not knowing I was already at my Bank and confirmed I did not receive a Pay Day loan ) called my bank institution at approximatelyXXXX, and did gain acces. The Company name that was attepting to collect th debt was High Point Asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: High Point Asset Inc
State: NC

Complaint narrative:
I paid off the loans last year to a different collection agency. I have the release letters for the loans they are trying to collect on. I sent them to this company but they continue to harass me and now they are calling my cousin harassing her. My cousin has XXXX and she was very upset with theses calls. They have threatened jail because of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
I got a new cellphone number, last person who had number is the debtor. I have been getting calls over the years regarding debt-told them to stop. They stop & start up some time later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I have been receiving calls from XXXX XXXX XXXX regarding a payday loan with Ace Cash Express. They refuse to provide the orginal loan document, this was almost two years ago so I want to know the original loan amount before I pay this company the {$500.00} they are demanding. They also called a coworker and provided her with a case number which I understand to be illegal debt collection practice. They have threatened to garnish my wages if I do not pay {$500.00} this week.

Company response to consumer: Closed
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Guidiville Indian Rancheria
State: NC

Complaint narrative:
My mother received a voicemail stating that somebody was looking to have me served with court papers and they were going to serve me on my job or at home and a claim number and toll free number was left on her voicemail wanting to verify social security information as well. My Mom called me frantic and upset, scared that I was going to get locked up. XXXX when did these type of third party scare tactics become permissible by companies, associated vendors, or third party collection agencies? XXXX different organizations are involved in this situation an alleged legal courier, a collection agency and the XXXX XXXX shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received a call with a unknown number from Ace Cash Express to call them back that they are filing a claim against me. I called back and the representative accused me of fraud for not paying back the pay day loan. I explained to XXXX XXXX that Ace cash Express put me in a cycle of debt and I just could n't pay back anymore. He did n't care and threatened to file a law suit with XXXX county. I told him that I ca n't afford to pay them back because I only work few hours a week but I will try to borrow money and call them back. However I could not borrow any money to pay back. So the next day I received a voice mail supposedly from an officer to call them back or they will go to my employer. I live off pay check to pay check and it 's their fault for putting me in debt and now pretending to be a officer. They also called my sister and threatened to call my employer even though I do n't work in a office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a US Bank Visa gift card that was obviously tampered when I removed it from otherwise pristine packaging because the gummy gel used to hold it in the packaging was clearly all wrong. It was n't activated properly, but even after getting help activating the card, the magnetic stripe had been demagnetized so I could not use it. I called US Bank Visa Card services to replace it about 2 weeks ago free of charge, and it has not been replaced, despite having faxed everything they asked for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation