vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Equifax XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX was deleted on my credit report in XXXX and as of XXXX XXXX 2016, this account was reinserted on my credit report causing a decrease in score and also refelcts inaccurate information. Also a XXXX account for the amount of {$830.00} was deleted then reinsterted again. This has caused signficant decrease in my credit score. I attempted to file a dispute with both XXXX and Equifax and nothing was resolved. I recently called Equifax today XXXX/XXXX/2016 explaining the siutation and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I ASKED THEM TO PROVIDE ME COPIES OF DETAIL LETTER FROM THE CREDITORS FOR ALL THE INQUIRY IN MY ACCOUNT. BUT THEY ARE SAYING ITS VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute in writing to Equifax on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, Equifax DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
During my duties as a XXXX of XXXX, XXXX, a XXXX company on XXXX XXXX, XXXX of my duties was to perform company vehicles purchase. I quit to my duties on XXXX, XXXX on XXXX, 2014 and leave to work for another company on the state of XXXX. In many occasions I requested to XXXX XXXX XXXX to release my name from that account due to those purchase were perform as a company representation. Even the name on the account is the corporation but they keep saying that I will be responsible even if I transfer the account to another person on the corporation or that I can sell the vehicles to the corporation, that is something that does n't make sense because the vehicles are already at the corporation name. 
I am requesting to XXXX XXXX XXXX to remove any negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: High Point Asset Inc
State: PA

Complaint narrative:
I got a call today from a debt collector stating that they were willing to consolidate a debt from XXXX different payday loans. I never took a payday loan out, but the company that called me provided me with my ss #, old address, birthdate, full name and bank account information. I tried calling the XXXX companies that these loans supposedly originated from, but they are no longer in business. I also have not worked since 2011 and have lived in XXXX since then, but XXXX of these loans supposedly originated since we left XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: NV

Complaint narrative:
Reverse Mortgage heir payoff. My mother and Father have both passed away. The house is in need of repairs. I started moving things out of the house and making repairs. All roof and plumbing leaks have been repaired, but I have run out of time so I requested a payoff. Then I found out about an heir payoff and had to resubmit a request again even though I have the same name and they knew I was a son. The way I understand an heir payoff is it is the lesser of the loan balance or 95 % of the market value. The pay off I received is {$450000.00}. The new appraised value, even after market values in this area have risen and some repairs were completed is {$460000.00}. I understand the rules as 95 % of XXXX = XXXX which is less than XXXX. They insist that XXXX is less than XXXX so I need to pay the whole loan. This is beside the fact that it has taken a long time to get this information and interest keeps building. My brother believes he sent in a payback request back in XXXX 2014 with no response. Reverse Mortgage Solutions Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-12-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I made a deposit through the ATM of XXXX. There were NO signs indicating a deposit delay on the machine itself or on the screen. My deposit was accepted of {$75.00}. The deposit was not posted to my account until XXXX days later. I was not given credit for the first {$200.00} of the deposit, AND I was assessed NSF charges on the account. I contacted bank personnel concerning the matter and nothing has happened as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: High Point Asset Inc
State: CA

Complaint narrative:
For the past month, I have been harassed over the phone by callers claiming to be from a company called Highpoint Asset. They claim they 're trying to collect a payday loan debt, but they have refused to provide me with a debt validation letter or any information about the original debt by mail. ( I took out some payday loans about 3 years ago, but those loans were all paid in full. ) On XXXX/XXXX/15 and XXXX/XXXX/15, I spoke with a representative who stated his name was " XXXX. '' He told me that he would mail written verification of the debt to me and I would receive it within 3-5 days ; I have never received it. He threatened me with legal action if I did not pay. The numbers that these callers have been calling from are : XXXX, XXXX, XXXX, and XXXX. The callers have also been calling my wife 's and my daughter 's cellphones, my sister-in-law 's cellphone, and my nephew 's cellphone. My wife has attempted to answer these calls to her cellphone, but when she is put on hold to speak with a representative, the phone is disconnected after about 1-2 minutes, so she has never been able to speak with an actual person. When I spoke with " XXXX '' on XXXX/XXXX/15, I told him to stop calling my wife 's and daughter 's cellphone numbers, and he stated that their phone numbers would be taken off my information ; however, my wife and daughter continued to get calls at least twice a day. When I spoke with " XXXX '' again on XXXX/XXXX/15, I told him that my wife and daughter were still getting phone calls, and he again said that their phone numbers would be taken off ; to this day, my wife and daughter continue to get phone calls on their cellphones. My family members and I have been receiving calls 1-2 times every day. My wife looked up the phone numbers that have been calling us, and was directed to public forum websites where numerous people have stated this company runs a payday loan scam. On XXXX of the forums, a person who said he was also harassed by Highpoint Asset stated that he researched the company and found an address for them : XXXX XXXX XXXX, XXXX, NY XXXX. He also stated that this address is the main business address for another company called XXXX XXXX , XXXX We have been informed that that XXXX XXXX has refused to provide any of their requisite operating information to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: PR

Complaint narrative:
GM FINANCIAL keeps billing me and sending me financial information of a debt I had after asking them to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
i was unaware that i owed anything GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: High Point Asset Inc
State: TX

Complaint narrative:
receiving calls at my place of employment. had my husband call to request the name of the company and request calls to stop. the name of the company given by the person who answered the phone can not be found via internet search. I believe this may be the same company that my husband filed another complaint against due to repeated and threatening calls to our home.. they said the name of the company was High Point Access XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
I am 3/4 of a month behind and GM Financial is calling me about 4 times a day ... all different times. I have the info stored on my phone. They are calling me while I 'm at work and can not answer. They are blowing up my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
They are trying to damage my credit with a loan i did not take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
my car was repossessed while i was in forbearance with nissan motor acceptance. this should not have happened the car was almost paid off the loan amount was orginally for XXXX and i paid it down to XX/XX/XXXX ( XXXX payments left ). i lost my job while XXXX and notified nissan immediately. no repossession fees and interest fees from XX/XX/XXXX have been added and are in collection on my credit report as if its a new debt. this isnt owed and it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: Pioneer Capital Solutions Inc
State: MN

Complaint narrative:
We rented an apartment from XXXX XXXX and now have a line on our credit report showing " Collection/Attorneys Fees '' As far as we knew we had all of our rent paid, and cleaned the apartment to what they wanted before moving out and notified them of any damages while living there. We now have a debt in collections against my credit in the amount of {$490.00} against both of us. We were never notified we had outstanding fees, missing rent, or any notice of action against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
I obtained a pay day loan from XXXX/XXXX/XXXX from Money Mart. The online application asked how often I was paid to indicate my repayment date. My next payday was XXXX/XXXX/XXXX and money mart pulled the funds from my account on XXXX/XXXX/XXXX causing XXXX overdraft charges in the amount of {$70.00} total and return check fees on my money mart account. I have since had that payment reversed as I should not be impacted as a consumer because there is a glitch in their system. I spoke to Money Mart 's online department many times and requested for a supervisor to return my call. I have yet to hear from a supervisor. I have received mutiple autodialer calls from money mart daily from multiple phone numbers to collect the debt. I have let Money Mart know my intention to file claim with CFPB and requested no additional autodialer calls and I was told I would have to send cease & desist to their support department. I advised that I wanted my cell consent to be removed and they declined to stop the calls. I have answered some of the calls requesting to speak to a supervisor and have been sent to a line that just rings and rings. My account has been documented by the online department of my dispute and that this was a glitch in their system that it still processed my repayment without recognizing my next paydate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA

Complaint narrative:
I started their program in XXXX of 2012. I believe they processed illegal advance fees, is association with the Law Firm Credit Advocates. 
XXXX XXXX Debt SpecialistXXXX XXXX, FL XXXX : XXXX Ext. XXXX : XXXX : XXXXXXXXXXXX entire fee schedule for Global Client Solutions and XXXX was paid prior to the settlement of the first accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN

Complaint narrative:
Call from XXXX. They dont identify themselves and leave messages saying they have a postal delivery. These people call relatives who were n't references on this loan and harass them as well when I have asked them REPEATEDLY not to! They do n't answer their phones when I try to call back or the message says full voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
FORECLOSURE SALE DATE : The letter sent to me for my last HAMP request was dated XXXX XXXX, 2016. As per treasury guidelines, the homeowner ( thats me ) must be allowed to file an appeal within 30 days. Which means that the lender can not foreclose on the property during that 30 days appeals period. The declined letter sent to me correctly states this rule. Currently, the foreclosure date is set for XXXX XXXX, 2016. During my conversations with the trustee, and Rushmore agents I have repeatedly asked that foreclosure date should be set in accordance with the treasury guidelines and what is written in the declined letter. However, the date is still set for XXXX XXXX, 2016. I respectfully ask that they suspend the foreclosure activity and consider this information provided to in this appeal. 

My lender is forcing me into foreclosure on my HOME without reviewing my loan for HAMP. I have requested numerous time that my loan be reviewed for HAMP Loan modification. My plea had fallen on deaf ears. I believe that they have no intention of doing a HAMP modification for my loan. I have been stuck in the mortgage XXXX for the past 4 years. They are just running out the clock on me while adding all kind of fees to the arrears that could be avoided. FOR THE PAST 4 YEARS, ALL I AM GETTING IS RUN AROUND AND NO HELP. in the most recent review, they calculated my financials completely wrong. I make nowhere near the money they claim. Based in wrong income ( {$11000.00} + ) they denied a HAMP modification. I am attaching my most recent and current financial information with this package. I am hoping that you can get it done correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old.

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: Payday loan — 
Issue: Can't contact lender — 
Company: Curo Inc.
State: CA

Complaint narrative:
Cash Plus XXXX XXXX XXXX XXXX XXXX, CA. I received a loan In XXXX XXXX in which I was not able to pay back due to financial difficulties. Once the check returned I received non stop calls/ emails and phone calls to my job. I did ask them to please stop calling due to my financial status. My references continued to get detailed calls from them as well as my work place. on XXXX/XXXX/XXXX I received calls from XXXX giving me a case number and asking if I had an attorney available and that I had 48 hours to pay or get sued. He also called my work place and references saying I was a person of interest and they needed to describe me and give them any information they had on me. When I spoke to XXXX again he stated that i wrote " worthless check '' and there was nothing I can do to stop him from continuing this lawsuit. I asked him to no longer contact me or my work number since I can get fired and right after he hung up on me he called my references again and went into more detail about how he is going to sue me withing 48 hours. 
I then again called XXXX at XXXX XXXX XXXX XXXX and asked for a corporate number and he stated he was corporate, When I asked for the number to the XXXX and he hung up the call. I am unable to reason with this person and no one else can help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I have had horrible experience with CIG financial. First and foremost the employees are extremely rude and unprofessional. I receive calls, text messages, and emails with very demeaning remarks. They have contacted my family members, friends, and neighbors disclosing information about my account and threatening legal action and imprisonment. The employers and supervisors of my references have also been contacted and given information about my account. Even after contacting supervisors and general managers the problems continue. I have been humiliated and my references jobs have been jeopardized due to the harassing calls and personal issues being presented to the work place.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation