vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV

Complaint narrative:
Keep receiving phone calls saying I owe money on a PayDay Loan from XXXX XXXX XXXX. I did not ever take out a PayDay Loan through XXXX XXXX XXXX. This is a scam and they have called me and are now contacting family members. The most recent call I received came from the following number : XXXX. They call with a claim number saying they are trying to contact me and that they are attempting to collect a debt. I XXXX the number above and found that they are calling other people trying to perpetrate the same type of scam. One of the comments from the online search of this number states it is from XXXX XXXX Services. I have received calls like this before and told them I never took out a PayDay Loan and that any debt they speak of is not mine. Now I do n't answer the phone if I do n't recognize the number, but yesterday they called my mother. I do n't know how they got her information. Please tell me how to make them stop. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
Dear sirs, My wife and I are being constantly harassed by this collection agency named First National Collection Bureau , Inc., located in XXXX, Nevada. The collection is for old credit cards which was discharged in bankruptcy some 20 years ago. And in which the statue of limitations has also run out. We have continuously sent them letters telling them to Cease and Desist all collection activities from us. And they just continue to do so. So I 'm contacting you to see if you can resolve this very annoying matter for us.They have been doing this to us for the last three years now. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through GM Financial who was my lender in XXXX/XXXX/XXXX. After the repossession XXXX did n't follow Texas Repossession Law. I asked GM Financial to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked XXXX XXXX XXXX Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for GM Financial to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I am providing the letter I sent to Gm Financial that they failed to return the information within thirty days ( 30 ) which is by law. For that reason the debt should be removed from my credit report because they disregarded the Law. In fact, I was not given notice when the car was to be sold. They mention it would be sold ten days ( 10 ) after the repossession in which that was a wrong date. The car was repossessed on XXXX XXXX XXXX and sold at a private auction I knew nothing about on XXXX XXXX, XXXX which is about twenty five days later. That is a violation of Texas Repossession Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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:
I messed up a payment and needed to use my overdraft protection for my Santander checking account. I was on vacation at the time, and as soon as I returned went to Santander Bank and paid it off. Since it was a Santander bank and XXXX accounts were Santander. I paid it off in full. i then noticed on line that there was a balance on the credit line. I called the XXXX # and got nowhere in resolving this. I then went to the branch where i made the payment. They told me that the balance was interest that accrued because it took two days to clear. I find that totally unacceptable, since I took money from my SANTANDER checking account to pay a SANTANDER bill at a SANTANDER branch.

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
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In 2011 post bankruptcy, I was offered a car loan through an agency that works with post bankruptcy individuals. This loan went through and was approved with a rather high interest rate. I took the car loan out at time d/t the fact that I was a single mother with no running vehicle as my vehicle was in constant need of repair. I had a job with a XXXX mile each way commute and needed to not miss time at work any longer d/t vehicle issues. I was able to make the payments and keep going to work and supporting my sons. 
Soon after I took out the loan the finance co. was taken over by GM Financial. I have continued to pay on this loan over 5 years struggling more and more to keep the vehicle running and make the payments, as life continues to happen. Upon, watching my balance I am noticing that over the last year, though I have struggled, I am no closer to paying this off as I am hoping to do the right thing and pay my debt. 
I have contacted GM Financial and stated that I feel their late practices are un reasonable and also stating to them that I feel that they are not legal. Not only am I being charged {$50.00} late fee which exceeds 5 % of the entire installment. I am being charged additional interest along with my normal 23 % for each day that I am late. I can not keep up any more. I am paying bare minimal and just trying to give them what I can. 
At this point I do not see any hope of ever resolving this. They are stating at this point, I have gone from a 72 month installment to 80 months and it keeps growing. I have tried to resolve by requesting settlement. This is refused. The XXXX value on the vehicle at this point in time is under {$2000.00} and the payoff is still showing almost {$11000.00}. 
I need help, I do n't want to go delinquent, I do n't want to rip them off. I just want the right thing done on XXXX sides. I feel completely vulnerable and have considered a voluntary repossession. I do n't like the idea, but I 'm feeling like my options are running out. 

XXXX XXXX Ph : XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
In XXXX 2013 my sister I were shopping for vehicles and a dealer at Nissan incorrectly put my name on her car loan. I purchased my vehicle the next day from a different dealership. I checked my credit report serveral months later and saw the mistake. Nissan refused to change the paperwork and my credit and dti suffered tremendously from this error. I have disputed this account serveral times and only one of the credit bureaus removed it from my report. All payments made to the account were made by my sister from her bank account and not mine. I believe this was an illegal straw purchase made by the dealer on behalf of dealership to make a sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
My name is XXXX XXXX owner of XXXX XXXX. On my office phone we have been receiving calls for months from Nissan Motor ... XXXX asking for an employee who does not work in the office, he works at XXXX sites. We informed the employee when the first calls came in and informed Nissan Motor the same. Nissan Motor has continued to call sometimes three times a day. I have informed the call multiple times to stop calling and they just say thank you and call back. These calls have impacted my business as we have only one line and only one or two people in the office. The phone in my office is XXXX and the caller is asking for a XXXX XXXX. 
Please help in making these calls stop. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
You have failed to respond to a certified letter date XX/XX/2016. This lease was closed and paid for and NOT included in my bankruptcy. I gave you the opportunity to investigate this error within the allotted time frame. You are now in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
I leased a vehicle in XXXX 2014 from XXXX. The current fair market value of my lease is less than the residual value of my automobile as listed on the lease. There is still 26 months left on the lease. The residual value of the vehicle as documented on the lease appears to be inaccurate based upon current XXXX by XXXX XXXX XXXX and other requested trade in values. The inaccurate and misleading information regarding the residual value has left me with a vehicle that is worth less after 14 months than it was advertised to be worth after 39 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: KS

Complaint narrative:
I was contacted by a company multiple times within a XXXX minute period. Including XXXX phone calls at my place of work. They called my cell phone at XXXX XXXX XXXX and XXXX. In between those calls they called my place of work XXXX XXXX and XXXX. I have nothing to do with the loan they are inquiring about, there is no way they would have had my phone number information. They did some type of research to find this information and would not stop bothering me. I do not think it is okay for a company to call that much and especially my place of work. That puts a bad image out for me when this issue has nothing to do with me. The company is full of liars. They said that my father and I were both put down as a reference which I know is not true. We have nothing to do with the loan holder and the loan they said was 4 years old and 4 years ago I had a different number and worked for a different company. And my father has had nothing to do with them in many many years. This is not acceptable at all and I hope that someone can do something about this because if they 're harassing me like this I 'm sure it 's happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My credit card at Santander Bank was used by someone in Florida who I do not know from XXXX/XXXX/15 to XXXX/XXXX/15 in the tune of {$11000.00} and paid {$9000.00} of that balance. I made a police report and contacted the bank immediately. But the bank keeps sending me to various branches to confirm my identity and nothing else. I have not received or heard anything from the bank up to now. At one of the branches, a representative told me to apply for a new credit card, which was strange since he seemed not to know what to do. He was confused as to why they would send me to a branch bank for a fraud case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Brock & Scott, PLLC
State: FL

Complaint narrative:
My home when into foreclosure because i lost my job and would no longer be able to make my payments. The servicers of my loan XXXX XXXX XXXX XXXX loans said I could give the house back to the bank and they would give me {$3000.00} if I left the house clean and complete. I agreed to this cash for keys settlement with Bank XXXX XXXX XXXX loans on XX/XX/XXXX. The bank told me that they would have there attorney write up the contract. I was told to empty the house because this deal would be done around 45 days. I was told to make sure I do not take any of the appliances ect out of the house or I will not receive XXXX. I cleaned and left the house, just like they asked me to. I left it clean and ready for them to take over. It took there attorney XXXX XXXX XXXX at Brock & Scott PLLC,XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX till XX/XX/XXXX to have me except the terms and to XX/XX/XXXX to write the contract. I wrote, called, emailed the banks and there attorney over and over to ask them to please hurry with this cash for keys, because I was worried about people breaking in and people stealing things. It is now XX/XX/XXXX. I have wrote more letters, emailed, and called the banks attorney asking to finish this. There has been several break ins and the bank charges me {$740.00} for vacant house fees and other quarterly fees. I believe there attorney is dragging this on as long as he can so he can adds up all his monthly legal fees and than try to get a judgment against me to collect these fees. There attorney could have filed all the papers ect to finish this deal in 1 day. Instead its over 8 months and counting. There oral agreement was that it would 45 days. Yet they will not complete the written contract to give back he house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: High Point Asset Inc
State: CA

Complaint narrative:
I was contacted by High Point Asset, Inc on XXXX/XXXX/2015. They informed me that I had XXXX outstanding pay day loans which I would have to pay.They emailed me XXXX notices stating who the original creditors were and who the current creditor is with dates listed for when the loans were filed and the balance of each of them. I searched today for the contact information of these original creditors, in doing so I found that other cosumers have been contacted by High Point Asset, Inc stating that they owed money for payday loans that were also not listed on their credit reports. I decided to contact the Federal Trade Commission. 

After consulting with a representative at the Federal Trade Commission, I checked my credit report and found that no pay day loans were listed under my name and information. These loans do not exist and High Point Asset, Inc is trying to have me pay them for something that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
Both parents passed ( Dad XXXX XXXX and Mom XXXX XXXX ) they had a loan with Reverse Mortgage Solutions. I first tried to get a personal line of credit against my home to pay-off my parents debt, and was not able to get enough money, therefore I put their house up for sale. I contacted RMS by fax ( they told me that was the only way I was to relay information ). I gave them the XXXX number and asked for any extension because they said they would foreclose and take the home. My parents owed $ XXXX, and the house sold for $ XXXX in XXXX XXXX. The Title company contacted them after I faxed my permission, and let them know their was a buyer and an offer. Then the RMS XXXX sent out XXXX letters addressed to each parent, and the Estate telling us they filed foreclosure paperwork. Once the house was in Escrow the RMS send paperwork to the Title company letting them know they were going to charge the estate : Release fee : {$58.00} ; Corporate Advance : {$600.00} ; Monthly Service Charge : {$33.00} ; Outstanding Fees and Costs for Foreclosure : {$1800.00} ( filed on XXXX XXXX ). The house closed on XXXX XXXX, and RMS was unwilling to wait 2 weeks. 
I would like RMS to pay back all fees except release fee ( {$58.00} ) and monthly service fee ( {$33.00} ). 
I was bullied and given so much XXXX to my life while dealing with the loss of both parents ( 6 months apart from each other ) - they were married for 65 years. 
I tried so many times calling, emailing and faxing to talk with someone to understand the loan and explain my situation on getting the house sold. 
My name is XXXX XXXX, Daughter and Trustee to the XXXX estate. My work number is XXXX ext XXXX ; cell number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
About 5 months ago we opened a car loan through a dealership.. Then ran my credit about XXXX to XXXX times that day to try to get us approved. GM picked it up at a I want to say at 17 % interest.. The dealership also marked up the car. Bottom line is we were ripped off by both the dealership and GM

Company response to consumer: Closed
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
On XX/XX/XXXX I got an initial communication letter from a foreclosure attorney by the name of Brock and Scott stating that i owned XXXX and had XXXX days to dispute debt About XXXX XXXX days letter I received a Notice of Acceleration Letter stating that Brock and Scott was advertising my property for a non judicial foreclosure sale on XX/XX/XXXX less then 30 days and less then XXXX consecutive weeks from the foreclosure date NOT TO MENTION, I DID NOT GET THE OPPORTUNITY TO ASK FOR VALIDATION PRIOR TO THE ADVANCEMENT OF COLLECTIONS. They have violated the non-judicial Georgia Foreclosure laws and Federal Laws and I dispute the debt I also attached an email from a Bank of New York XXXX representative stating that her form XXXX does not own the loan or the property. So how is Brock and Scott advertising that the XXXX owns the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA

Complaint narrative:
Instrument Rental : KINUM XXXX Kinum was the Instrument rental company that my Son 's school ( XXXX XXXX XXXX in XXXX Texas ) used. 
XXXX of 2013 the Instrument was returned to Kinum. My Son passed away XXXX XXXX 2013. These villains are still showing this as a collection account on my credit report. I am not in possession of the receipt or the musical instrument. Kinum took the instrument as well as the receipt when I brought the instrument back to XXXX XXXX XXXX in person. They told me they needed the receipt to conduct inventory and that they would mail the original receipt to me. Something they obviously never did as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation