vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: TN

Complaint narrative:
I took out a payday loan in 2012, I lost my job shortly thereafter and they kept charging my bank account. I eventually closed my account and paid the overdraft fees of approximately {$140.00}. I have moved a couple times since then due to my fiancee 's work and and my family is receiving threatening calls from a lady who states she is issuing a felony warrant for my arrest due to non-payment. I contacted her yesterday, as per I was a XXXX, and told her she is in violation of the FDCPA and to stop contacting my family. She said she will contact whoever she wants and in XXXX hours there will be a felony warrant issued for my arrest. Her name is XXXX XXXX, with XXXX, XXXX and XXXX out of XXXX, her phone number is ( XXXX ) XXXX. She has given third party information to my sister in XXXX, my mother in XXXX, and is contacting my sister 's husband on his cell phone.I asked her to cease and desist all verbal communications and to contact me via email, she became irate and started yelling and screaming that she 's coming for me. I was at work, so I just hung up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Last year I started receiving phone calls from a collection agency that stated that I had taken out a payday loan in 2008 and it had not been repaid. I told them it was not possible because I had repaid all of my payday loans immediately. They claimed that it had not been repaid and they threatened legal action. It was around {$470.00} and I offered them a settlement of 75 % of the amount if they would just stop calling me. I paid the money and they sent me paperwork proving that it was paid in full. A few months ago, I started receiving skip tracing calls again from another collection agency. This time I decided to not take any of the calls because it sounded like exactly the same type of debt and I thought that if I keep paying it, they can just keep coming back to me for another payment. Yesterday, I received an alert on my credit report and discovered that the collection agency has placed a collection account on my credit report for {$470.00}. It provides no information about the debt they are collecting, not the type of debt or the date of the debt. I am 100 % confident that I have zero unpaid debts for the past 10 years and this is the ONLY negative item on my credit file in that period of time. In addition, they have been calling my children on their cell phones in an attempt to reach me and leaving me messages threatening to call my references. The organization is called " Progressive Management Systems '' XXXX XXXX XXXX XXXX FL. XXXX. I am afraid to contact them directly because their voicemail messages are very aggressive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc.
State: TX

Complaint narrative:
I took my XXXX year old son to a XXXX XXXX medical center and I provided a legitimate form of payment. They attempted to file a claim with the insurance provider and the claim was denied XXXX which I found out when I started investigating the collections report on my credit report ). They claim to have sent statements to my home address. I did not receive any. I was never called or notified that this would be sent to collections. 

Now my credit report is reflecting a collection action of which I had no knowledge until it was on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Payments are due the XXXX of the month ; payment was made XXXX - on XXXX received notification from XXXX that payment was over 30 days. This is the second month in a row that payments are not posted timely thus causing reporting to my CBR. I am already in enough XXXX and agony trying to maintain finances while my fianc lost his job, now to have my credit being damaged when I am trying to maintain. This is unacceptable - and 60 days to receive a response is not sufficient - this needs to be resolved for both months immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing information on my credit report with equifax , XXXX and XXXX in regards to identity theft. I have contacted them directly as well as the account that was opened fraudentaly in my name. ( XXXX ) ... ..They refuse to delete this information off my report. They just keep saying they have verified it is mine. I have written letters made phone calls ... .etc and getting no where. I feel the credit reporting agency 's are not doing a complete investigation. Having someone use my name and open up a credit card for this department store is negatively affecting my credit score. I am also being penalized for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Service, Inc.
State: NJ

Complaint narrative:
ARA Inc, XXXX XXXX XXXX XXXX, IL XXXX keep calling us for the acct no # XXXX for my daughter who is only XXXX years old. She CAN NOT obtain any credit 12 years ago. This is a big mistake from them but they keep making harassment phone call to home every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
A Gatestone Rep calls a " list of people who know XXXX XXXX '' in order to ask them personal questions about her. They sound like they are based in XXXX, have thick XXXX accents and mispronounce XXXX 's name. XXXX is my Mother, XXXX years old, not in a position to owe XXXX like Gatestone, ( unless a former creditor of hers has erroneously sold her closed account to this " debt collection agency. '' They call me several times a day, at all different hours, have never heard of our debt collection laws and could n't care less. Worse, is their absolute insistence on sharing my mother 's private information with ANYONE! Can Identity Theftbe far behind? When I attempt to call them back, their phone number is " not in service at this time, '' and call blocking merely shifts them to other IVR numbeers. Please stop these cretins from victimizing my mother any further. BTW..they contact former employees of my mother 's! They are the most mangy creatures currently amid an already shady industry! ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I am getting repeated harassing phone calls where no one even speaks when I answer. According to caller ID and XXXX phone bill these calls are coming from FNCB INC at ( XXXX ) XXXX, a debt collection agency. 
I have not debts in arrears, These people have not written me nor talked to me on phone-just repeated calls with no one there when I answer. 
Called me XXXX this morning and woke me up at XXXX XXXX and XXXX XXXX. I am ill and in bed and harassed by this dumb tactic? 
This company also called two weeks ago and same thing-no one spoke when I answered phone. 

Is this some new bizarre tactic by bill collectors?? Harassing calls without even speaking to the people they bother by calling? Unprofessional.Maybe if they can get me to call them it opens the door for more contact?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Ford Motor Credit is not properly crediting my customer account. In documentation, Ford requested proof of payment by customer prior to XX/XX/2016 - which was provided. 
Proof of a payment for XX/XX/2016 was also provided which should have been credited fro XX/XX/2016 instead of XX/XX/2016. 
The account should not reflect a 46-day delinquency for XX/XX/2016 and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Credit Control
State: CA

Complaint narrative:
Continental Credit CTR is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I would like to file a formal complaint against Central Portfolio Control XXXX Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Number : XXXX - XXXX - XXXXFax : XXXX - XXXX - XXXX I do not have any debts that I am not aware of that would be in a collection agency and I do not understand why this company is calling me. I am on XXXX and Social Security Income ( SSI XXXX. I have Medicaid and Medicare, so I know that all of my Medical costs have been paid for and are being paid for. I also know that all of Student Loans are current and on time, and I also know that my Car Loan is Current as are my Credit Cards. So I believe this company is Calling and Harassing the wrong individual. Here is why : I was never sent a written notice within five days after I was first contacted by telephone by Central Portfolio Control XXXX Inc. They have also contacted my family members XXXX My Domestic Partner & Mother ) by telephone numerous times. I have phone records showing that they have called me at XXXX ( EST ) and multiple times in less than a 2 hour window. 

On the two occassions I have spoken to their representatives, I was spoken to very harshly ( they have used intimidating language and acted like legal actions would be taken against me - my car would be taken from me or my XXXXSSI benefits withheld or possible jail time ). The representatives gave me incorrect information about myself ; the address they told me I needed to confirm was not my address and I informed them that they did not have the correct address and that I did not feel they had the correct individual. They then proceeded to tell me that I Had to provide them with my Social Security Number, which I did not feel safe providing to them and at this they got extremely mad and I was hung up on in one case and in another I was spoken to like I was a child. I then asked them to stop calling me and to please verify what ever debt they felt I owed them and the representative stated I would receive a validation in the mail soon. I never received anything in the mail at all. If they can not provide an address I have lived at or live at currently then they obviously can not prove to me there is a debt. They also have not even told me how much this debt is for verbally or written or where it even originally came from. I am aware that companies like this one purchase debts for pennies on the dollar so they are not even the original creditor but I also am aware that I only have a car loan and student loans and credit cards and my monthly living expenses so there is no possible way I have any debts!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: SC

Complaint narrative:
The representative was completely belligerant and rude when I ATTEMPTED to let him know that I did not owe this debt. I made him aware that I was elderly and he was not legally allowed to call me anymore at that point he told me there would be a legal judgment placed on me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: MN

Complaint narrative:
I received a call today from a XXXX XXXX from Assets Recovery and Associates. The call came to my cell phone from XXXX. Said XXXX County is going to sue me on behalf of XXXX. I asked for something in writing from him he said no and that I owed over {$10000.00} from 2002. He kept repeating my address and county and the last for digits from my SSN. Telling me he was going to sue me if I did not pay to settle the debt. He said he has all my personal information about me and has my credit report. They were suing and putting a lien on my credit report and house. They said this is on my credit report, but I just looked at my report in the last month and there is nothing on there. Refused to provide any information in writing to me. I believe this violates the FDCPA. While he was lecturing and yelling at me on the phone i did a XXXX search and it appears that there are complaints all over the country. The state of Washington appears to say this could be a scam. An attorney blog states they are doing illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Locate Source America, LLC
State: NV

Complaint narrative:
Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XX/XX/XXXX and the last time I had made a payment was XX/XX/XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XX/XX/XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XX/XX/XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX sold me a " new '' vehicle with the odometer registering 585 miles, which I did not notice until the following day because the car was tested at night and the salesperson changed the electronic display to show mpg not actual mileage. In addition I agreed to a 72 years loan a 0 % interest with a monthly payment not to exceed {$260.00} but they issued a contract for 74 months and a beginning mileage of 4 miles, therefore misleading the Ford Motor Credit to issue a loan under false pretenses. I have tried to get the Ford Motor Company to assist me but they have ignored my letter sent twice to the CEO, XXXX, my emails to Customer Relations and my voice mails to the Executive Offices requesting a call back phone call. As a result of XXXX deceptive selling tactics and wrong financial information on a contract for financing with Ford Motor Credit, a subsidiary of the Ford Motor Company, I suffered a financial loss by having to trade in the vehicle at a lower book value because it was not considered new by another Ford dealer. Attached is the contract with Ford Motor Credit as well as my correspondence to XXXX, President and CEO of the Ford Motor Company and my email replies to the company when they send me Ford propaganda. In addition to the car not being new, it had worn out, bleached looking plastic door frames and the Office Manager, XXXX offered me to have them painted, which I could not agree to. Loaned car sold as new using false financial information to the financing agent and with cosmetic defects. I am also attaching the contract with XXXX that sold me a new car in perfect condition after some minor delivery problems so that you can see that I suffered a financial loss that I estimated to be no less than {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
Upon reviewing my XXXX credit report I noticed XXXX discrepancies on my report been reported from Independent Recovery Resources. According to this company they are a debt collection agency which whom is collecting a debt from XXXX XXXX. I never had an account or business with XXXX XXXX. I disputed this account in the past and they ceased reporting me but again they have came back. Independent Recovery Resources is affecting my credit and affecting certain aspects of my life due to this negatively reflecting on my credit history. Independent Recovery Resources reached out to me in the past ( a few years ago ) and never clarified what this was from but continued harassing me, I disputed and now again like I stated they are reporting me. I have not received any contact from this company in a while so I do not understand why they are back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 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: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Unknown account and unknown debt, this is a mistake listed on my credit file that I have disputed with nothing received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Recovery Services, LLC
State: AR

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I bought a car financed thru a company that will not refiance to lower the payment what do I do. it was thru XXXX finanacial people should be ware

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
The bank I have a checking and saving account with Santander charged me XXXX separate charges for overdraft fee when the account was not deficient. 
They chose to process debits before the credit which was deposited 3 days prior. 

this is a common dishonest practice and I want the XXXX back!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was misled by Santander Bank about the extra 20 checking account. I would n't have opened the checking account and moved all of my banking if I knew that the promotion was temporary.

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 2016-05-25 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
It 's with Nissan of XXXX 's debt collector. They just keep calling and wo n't stop either. From XXXX different numbers they have called and everytime the people are very rude and not the nicest either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Transferring money out of my Santander checking account during a move because of a previous issue ( closing on my mortgage nearly fell through because of them ) I log into the account to see if all the money has been transferred out to close the account only to find out that pending transactions from XXXX and XXXX posted later without my knowledge, as well as {$170.00} in overdraft fees, one of them being a " sustained '' overdraft fee which I was unaware my account had even over drafted. Called customer support many times to attempt to have the fees removed. After hours of talking politely with different support, I was able to remove XXXX. I 'm still stuck with {$100.00} in overdraft fees for {$20.00} of purchases that I was unaware of.

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