vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: AZ

Complaint narrative:
Received fraudulent payment demand from First National collection bureau, INC.. sparks, NV. 
Received fraudulent payment demand from FNCB dated XXXX/XXXX/16 for an balance of {$130000.00} indicating that the current creditor is XXXX XXXX XXXX XXXX, NONE Of these companies are on my credit report. or ever were. and I would like to dispute it. 
Ref # XXXX / XXXX XXXX Bank XXXX Account XXXX. Original Account XXXX. I do not have any accounts with any of these companies, and would like this company to cease and desist all collection activity immediately, including mail and phone. I would like written documentation stating that this collection activity has been terminated and verifying that all credit bureaus have been notified, effectively negating/removing any negative reports regarding this fraudulent claim for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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: IL

Complaint narrative:
i get repeated calls from Conserve. XXXX They ask for " XXXX XXXX '' ( sp ). 
I tell them this is my phone number and I do n't know this person so please stop calling me. 
I later called the number back and stated the same to a manager " XXXX '' ( sp ). 
They asked what my name was but I refused to give it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Special Financing Company, LLC
State: OR

Complaint narrative:
I was contacted as soon as I graduated in XXXX by a company that claimed they could provide a specialized service to lower my student loan payments. After explaining everything to me it seemed to make sense so I agreed to give them my information and pay {$2000.00} for their service. They instantly started the payment process and informed me I would pay {$98.00} a month from that point on. I later found out through my student loan provider that this is a free service I could have applied for myself in just a few minutes. I have paid {$600.00} of the {$2000.00} balance so far and stopped making any further payments. This particular company has been very difficult to contact to ask questions and has minimal online presence to check my account status + payments and things of that nature. Hence, why I feel they are fraudulent and should be recognized for their " services. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I have asked Focus Financial Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
i received a loan from ACE cash advance back in XXXX, i filed for bankruptcy. i do n't believe the loan was including in the bankruptcy, but they have been threatening me with lawsuits and contacting all of my family members with threats and subpoenas as well. they call be at all hours of the days. leave several messages. they are harassing my family. they stated that they have information to contact me that i never provided and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
My Loan was with ACE CASH Express. My husband had suffered XXXX. I lost my job due to XXXX. I tried to make payment arrangements with the company. They refused to take any money, then hired a company to harass and threaten me. They threatened to take my vehicle and throw me in jail or prison. Demanded I pay {$1000.00} more than what I owe. They are still to this day calling and threatening me. Without, willingness to make arrangements for solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
A collection agency named " Focus Financial Service '' also known as or or reporting under the name of " Palm Beach Credit Adjustment '' ( which they use BOTH names to report the same account with different agencies ) had reported to the XXXX credit bureaus an account that I had with " XXXX Hospital, XXXX XXXX '' since XXXX XXXX, XXXX. I had disputed the account online with TransUnion before which they eventually closed the account ( Or had it under " Closed Collection Status '' ). 
On XXXX XXXX, XXXX I had contacted " Focus Financial Services '' through Registered Mail asking them to Validate the debt, & to provide me with any documentation that I had signed as an agreement that I owed the hospital that bill, & some other information detailed in the letter, after 2 days they responded to me with a " Detailed Medical Bill & Statement '' showing all the " Medical Procedures '' that was done to me, which I assume it was confidential, but somehow they have it. They did n't answer any of my other questions which are detailed in my letter to them and the letter is attached to this complaint, I had also asked them to cease & desist all collection & reporting actions until I verify the account and finish my investigation. 
2 days after their response to me, they Reopened the " Closed Account '' with XXXX, & Refreshed their reporting to all XXXX agencies as of XXXX/XXXX/XXXX with a new amount of {$1.00} less than what I owe ( Original Amount was {$10000.00}, New Amount is {$10000.00} ). I had also sent them a second letter on XX/XX/XXXX right before I noticed that they refreshed the status of the reporting on all XXXX agencies asking them why they did n't comply with my request of answering the rest of my questions, and to provide all missing information, then I noticed the change in my credit file, and that 's when I decided to file this complaint of them violating my rights to a fair review of the account, and my confidential " Medical Information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: HireRight Solutions, Inc.
State: NY

Complaint narrative:
I was offered a job with an affiliate company and my credit was run. On the report there were XXXX cases in the XXXX court where I live with a name that is similar to mine, case numbers XXXX and XXXX for " XXXX XXXX '' that appear to be credit charge offs. Both are not associated with my Social Security. Hireright reported this event as being my cases, with out any disclaimer that they only searched the first and last name and did n't verify that is was not for me. I am in the cusp of not getting an offer now and have lost credibility and standing in my role as Head Of Compliance. I also have not been given a copy of the report that has adverse information on me, which makes it difficult to correct. I called the company who is suing the person with a similar name and was n't given information, and refuses to write a letter to me because the SS is different.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX XXXX of XXXX, Nelnet would n't let me reduce my payments until I received help from XXXX, despite showing them my monthly income and showing them how much my rent and utilities cost. I was making about $ XXXX/month, living in subsidized housing, and Nelnet wanted me to pay roughly {$800.00} a month and their representative failed to see why I could n't afford the payments. A few months later I received an inheritance from an aunt who stipulated that the money be used solely for education expenses, so I started paying off the loan with that. On XXXX XXXX, I made what I thought would be the final payment on my loan, a payment of {$2400.00}, when the total balnce that was listed as due was {$2300.00}. The next day I received an email saying I still owed {$320.00} from the previous balance. This morning, XXXX XXXX, I received an email saying I still owed from the previous month and {$410.00} for the current monthly billing cycle, totaling {$730.00}. Upon logging into my account on the Nelnet website, I found out Nelnet claimed I still owed {$0.00}, which I have once again, scheduled to have paid in full by the end of the week, even though I paid an excess of what they said was the full balance as of XXXX XXXX, XXXX. I am getting tired of their harassing emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I finally spoke to a live person at the company and explained to them when I would make my payment. Shortly after we spoke, I continue getting their unwanted computer generated calls. After my answering service picks up the calls, the company hangs up and continue calling my number at least 6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Recovery Services, LLC
State: PR

Complaint narrative:
I am writing to you to find out how you can help me. This company is reporting an account on my credit report as being in collection, but the account doesnt belong to me. Ive never lived in XXXXIve always lived in XXXX XXXX, yet this account is showing up in my credit history. I contacted the company, and they alleged that the account is mine, even though it isnt. Ive never lived in that state ; Ive always lived in XXXX XXXX. Also, I informed the credit reporting agencies, and XXXX removed the account from my report, but XXXX and XXXX refuse to remove the incorrect information. I hope that you can help me, because I filed another complaint with the FTC. I have included proof that XXXX removed the account from my credit report. But XXXX and XXXX refuse to remove it. I dont know very much Englishif I didnt give the correct answer to the question for the complaint that Im filing, please excuse me, because I dont know English. Im doing what I understand. Thank you. I hope to receive your help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I was charged over XXXX in overdraft fees on items that were not considered " insufficient funds ''. For instance, a debit is presented for payment at the bank and on the same day a deposit is also made. This bank " holds '' the deposit to allow the debit to go through first and then charge me {$35.00} per transaction. This is an ongoing, banking business practice used to fleece unwitting patrons such as myself. This common practice with banks is " business as usual '' to extract additional funds from the consumer and cause extreme financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Finance called a friend of min who is the controller at a previous employer. They told him I was behind in my payments. This violates my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 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:
On XX/XX/2016 I submitted a payment in the amount of {$740.00} for pass due payments. My electronic payment was accepted by GM Financial on XXXX XXXX, 2016 at XXXX eastern standard time, referenced with Trace Number XXXX. However, my car was then repossessed on XXXX XXXX, 2016. Due to the nationals holidays in the United States and XXXX I had to place several calls and spoke with several representatives that could not or would not be of assistance, on XXXX XXXX, 2016. I placed several calls on XXXX XXXX, 2016 with the same result. I went as far as obtaining proof of payment from my bank and faxing it to GM Financial via fax number XXXX. However, not until XXXX XXXX, 2016 did I receive a call back from GM Financial. My conversation with GM Financial consisted of them calling my bank for additional proof that my payment would not be returned to the bank. I was then told that in order to receive my vehicle from repossession I would have to pay additional fees which included a {$520.00} repossession fee. I am disputing the repossession fee since GM Financial had my payment for 48 hours prior to issuing repossession. In the last 3 years GM Financial has had XXXX complaints escalated to the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient and XXXX split my student loan between the XXXX companies. I owed one affordable payment, but after the split they both demanded an extremely high amount of money per month to pay. Numerous times I have tried to negotiate a more affordable payment per month. After I talked with their " financial adviser '' all they could tell me was to ask for help from my parents or someone to make the payments. They can not negotiate, nor do they understand my financial situation, and resort to harassing me and my family by calling relentlessly each day. Again, when I try to negotiate an easy payment, they do not come down in price. They give me an option to put my loan in deferral by paying about XXXX dollars to bring the loan up to date, then it goes right back to the obscene amount the next month and I start the process over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial reflected fraudulently reflected 60 days late payments on customer car payment account. GM Financial received payment from XXXX Bank on XXXX XXXX with the wrong address as stated by XXXX Bank. GM Financial would not produce evidence that they did not receive car payments for XXXX XXXX and XXXX XXXX. XXXX bank stated that the XXXX XXXX and the XXXX XXXX car payments also had the wrong address on them. XXXX bank mailed out the car payments to GM Financial. GM Financial refused to provide me proof that they did n't receive the XXXX XXXX and XXXX XXXX car payment. I am requesting that GM Financial produce copies of these XXXX electronic checks and the date that they received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc
State: WI

Complaint narrative:
I get calls from this number threating me. The FbI and State of Wisconsin said this is a scam call. I want them to stop. The phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc
State: MD

Complaint narrative:
I received threatening calls from a debt collector ( naming me as a " person of interest '' in a legal matter ). They claim I owe multiple lenders due to several payday loans that were sent to my banking institute from XXXX to XXXX. The company is called HIGH POINT ASSETS INC. They are calling on behalf of several lending entities that allegedly deposited funds into my bank account in {$400.00} increments ; totaling up to {$2600.00} over a period of two years. The representative asked me to verify the last XXXX digits of my SSN and my current mailing address, none of which did I provide. Instead I asked the caller to confirm what they already have on file and s/he gave me information that was over XXXX XXXX XXXX ( clearly the information was not active during time they are suggesting I took out the loans ). And to add insult to injury my place of employment as well as banking institution the " said '' funds were deposited was also incorrect/inactive. This company is operating under false pretenses -- an atypical SCAM artist to say the least. PLEASE do not verify your vital information with them, request that they send you something in writing before moving forward!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, I am reporting an issue with Equifax that concerns fraudulent credit inquiries on my report. 

At some point in early XXXX 2016 or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Equifax in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : Equifax : ( i ) XXXX XXXX XXXX - XXXX XXXX, 2016 ( ii ) XXXX BANK XXXX C - XXXX XXXX, 2016 Equifax has sent me the " results '' of its investigation and stated I need to contact the creditors. Well I have contacted the creditors and they said they contacted Equifax! It seems they will send me in an endless loop! Please see attached document for details of the inquiries from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Victim fraud I have been trying to get in touch with the equifax agency to report the fraudualent active and indentity thief, have not been to above get in touch with them at all concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on XXXX, EQUIFAX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX XXXX do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
There is no phone number to contact Equifax. They are the only of the XXXX credit report agencies that have a bankruptcy listed and my score is low with them as a result. It should not be there and I 'd like them to remove it and update my score. I 'm in a rush because I have a boiler out in a rental property we own and it needs replacing. I need to get financing. Is it possible for you to help expedite?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX reported me late when I was n't. I have the proof. Credit bureau wo n't open up a dispute so by law remove the account or update it. Also block it from coming back like you are suppose to by law.

Company response to consumer: Closed with explanation