vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Continental Services Group, Inc. d/b/a ConServe
State: WV

Complaint narrative:
Hello I am writing about an issue that I had with my college school loan. I got this loan in XXXX and than I quit taking classes, so the loan was is still in my name. In XXXX I had attempted to get the loan payment deferred online at the us department of education website and while speaking with the guy on the phone. He walked me through the process and he told me my loan would be deferred for a year cause I was approved for deferment. He said he would send it to me in the mail and I need to sign a form electronically and scan to proofs of identification. He also told me that I would not get my wages garnished if I make less than XXXX. So I never received the form in the mail and by the time I had remembered what had he said about signing electronically. They had already turned the loan over to a default status. They than sent my loan over to us department collection agency and began to garnished my wages from my income tax. I just want to get this taken care of and get the default status removed and finish paying off what I owe. They have tried to reach me to collect the debt through mail it was with the National Payment Center US Dept. of Education. But there is no way to reach these people online and they wanted me to send them a payment back in mail. I would rather not go this route since the mistake was an accident and was hoping you 'll could help me get this resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: VA

Complaint narrative:
Collection company tried to collect 8 years old debt that I do know I made payments from XX/XX/XXXX to XX/XX/XXXX and since then I never recieved bill or late notice for several years. 

Also I ran credit report and the debt collection is not in credit report which I was under impression it was paid for. 

There was no communication from Debt collector or XXXX XXXX since XX/XX/XXXX until todayI think statue of limitation has passed because it is 8 year old debt and should have been written off as bad debt since I heard nothing for 8 years. Why now?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace Check Cashing is constantly calling me at my home and work while also harassing me and my co-worker for a payday loan that I did not opened online. Their fraud department personally acknowledge it was an identity theft issue, so I went and filed a police report to cover myself. With all this information at hand, they continually keep calling and threatening me with law suits, been served at my job by the police, and threatening to keep embarrassing me until they get money for a payday loan I never received or initiated in the first place. Today, they hit an all time low by disrespecting my boss after she and I repeatedly told them not to call again on her company line affecting her business and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
Threaten and did garnish XXXX Check for a federal loan that was discharged through the Ombudsman Office, and XXXX loan that was charged back somehow, and was discharged because of hardship and XXXX since XXXX. Documents were sent as requested to Debt Collector and the XXXX XXXX XXXX. Collection Agency-Conserve harassed me even though I complied with the XXXX XXXX XXXX providing documentation, proof of bankruptcy of the loan, and again provided proof of XXXX as requested to XXXX and again to XXXX XXXX XXXX approximately 7 days ago. 

I was advised by the XXXX XXXX XXXX to ignore initial garnishing XXXX up to a year for their investigation including XXXX as I provided all documentation again to XXXX XXXX XXXX. The same month XXXX harass me and again I told them and notify XXXX XXXX XXXX that I was being harassed. 

My XXXX XXXX XXXX check was garnished off XXXX and sent a letter from the Dept of Treasury dated XXXX XXXX, XXXX, ConServe, XXXX XXXX, XXXX, XXXX XXXX in XXXX harassed me again, and I again indicated the XXXX Resolution told me they would directly correspond with me and it would take up to a year. Collector was rude, argumative and again I told her I provided all documentation necessary and was waiting for the XXXX XXXX XXXX to investigate and make a decision. There toll free number is XXXX. After the garnish I spoke to XXXX XXXX XXXX, Total @ XXXX XXXX, who indicated they would notify garnishing XXXX to stop up to XXXX while they requested yet again confirmation of XXXX, which I recently sent again. I became XXXX in XXXX, I attempted to go back to work after graduation in the year XXXX, but became ill in XXXX and work was not possible up to this date. Letters from my physician was sent to the XXXX XXXX XXXX and most recently again providing proof, in addition a letter from XXXX verifying being XXXX since XXXX. 

XXXX XXXX XXXX. ConServe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Receivable Recovery Services, LLC
State: MO

Complaint narrative:
I have voicemails claiming to be an attorney firm threatening that if i dont pay right now they are taking me to court. Said they are the attorney firm but after looking up the address they are XXXX in NJ. She is very rude and causes an extreme amount of XXXX which is affecting my work and daily function.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I do n't know if this is a complaint as much as it is a question concerning what rights I have as a consumer. My son starts college in XXXX and I have a large unexpected tuition payment due. My options are to apply for a loan ( which I do n't know that I will qualify for ) or have him apply for a loan, which I would rather not do because I do n't want him to begin his life in debt like I did. I never bounced back. Hence, my present financial situation. 

I have a car loan with GM Financial and called them, in good faith, on today XXXX XXXX, 2016. I called to allow myself plenty of time to work out an arrangement with them to have my XXXX payment moved to the end of the loan. I explained my situation and how extending the XXXX payment would greatly help me. I explained that this was an unexpected payment and that knowing how much has to be paid will give me time to prepare before his next tuition payment is due. I have paid GM Financial for XXXX months, never missing a payment, always making my payments early. All that I ask of them is to extend XXXX payment on this XXXX occasion. The GM service rep. put me on hold and came back saying that they could make payment arrangements with me but, that they could not extend the payment at this time because it would n't be wise to add so much interest to my account ( apparently interest continues accruing in spite of the fact that I am requesting a payment extension ). I explained that I am willing to make the sacrifice of the interest considering that I am already paying a lot of interest on this vehicle so, $ XXXX more would n't make much of a difference. The rep said that they could make payment arrangements with me since there is so much time before the payment is due. I explained that if I had money to make payment arrangements then, that is what I would have requested. I know how much income I have and what I will be able to manage before the end of XXXX. Besides, I explained, payment arrangements would also incur the same interest fees being added to my loan. I asked to speak to a supervisor who explained that GM was not willing to make an extension " on this account '' at this time. Granted, I do have poor credit due to taking on this loan and helping out a friend who is waiting for social security XXXX payments. However, my record with GM is clean. I am paying $ XXXX always on time. At the end of this loan, I will have paid over {$45000.00} for a {$25000.00} car. I know that it sounds crazy but, unfortunately, that is the agreement which I signed at the time. 

My question is what are my rights as a consumer. If GM does payment extensions and my payment history with them is excellent, can they refuse an extension on my account? What are my options here?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My ATM card was lost or stolen. As a result of that, someone was able to deposit a number of fraudulent checks to the account bearing the name of XXXX with a claim number, my name, old address ( I no longer live at that address ) and a amount ranging from {$300.00} to approximately {$400.00}. There are a lot of them all done on XXXX XXXX. Then money was withdrawn the following day which resulted in an overdraft of {$6000.00}. The {$25.00} I had opened the savings account with was gone as well. The name of the bank is Santander Bank. I called them when I logged into my account yesterday to check my balance and got the shock of my life. I immediately called them after checking for my debit card because the checks were deposited via ATM. They told me my account had been compromised and they had put a block on the card. I was also told to file a police report ( which I did ) and I am waiting for an investigator to get back to me on that. I do n't understand why I was not notified about this before it got out of hand. Now, I have no use of my checking account and no debit card and a ridiculous amount of an overdraft. Why would a bank allow this? I have a XXXX prepaid bank card and they call me if I spend {$3.00} at XXXX for a cup of coffee to be sure I am the one that did it and they also send an email. Santander did none of that. I had to find out by logging in to my account. The account is very new and thank XXXX I never had my paycheck directly deposited to that account as I was about to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
There was fraudulent activity on my account and I was told that I may just get my money back right away or I may get some paper work in the mail first. I said that was fine, well a week goes by and non paper work and no credit. I went to a branch and they told me in 7 business days id get a provisional credit to my account while they further the investigation. Well nothing still. No one has contacted me about anything and no mail. I call the bank today and the rep was rude, they got loud with me and told me that it may take up to 90 days for me to get my money back. This is unacceptable customer service. I am switching banks asap.

Company response to consumer: Closed
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have XXXX separate accounts with the Santander bank so as not to co-mingle funds for a XXXX property that I own. I recently deposited a check into my personal account. That check was returned for insufficient funds however it was charged to an unrelated account. 
I 've contacted the bank and explained that I did not want funds comingled however, the bank representative stated that this was " not best practice '' but legally acceptable. 
By doing this this bank has reduced the balance in this account to a very low level and has put me at risk for insufficient funds in this account only. If they would only correct their mistake and use the proper account there would be no issue.

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 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XXXX. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX Equifax and XXXX are the violating companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc
State: OR

Complaint narrative:
Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX I purchased a XXXX XXXX and financed through NMAC. For 5 years ( the length on my loan ), NMAC auto-deducted the monthly payment from my checking account. Last payment was deducted on XXXX. I assumed the vehicle was paid off and have been waiting to receive my title. On Mon., XXXX XXXX, XXXX, I received a call from a Collection Agency that my final payment was never received! They further advised that final payments are not auto-deducted and advised me of the amount due. THIS IS THE ONLY NOTICE I HAVE THAT ANY PAYMENT IS DUE. I never received an invoice or phone call from XXXX! On Wed., XXXX XXXX, XXXX I mailed a check to NMAC in the amount requested of {$290.00}. Today, XXXX XXXX, XXXX, I received an email that XXXX XXXX posted a change to my credit report because " I fell behind on payments on XXXX of my accounts ''. Please help! I have worked hard to keep my excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
IS REPORTING XXXX DIFFERENT UNDISCLOSED AMOUNTS ON MY CREDIT REPORT ( XXXX AND XXXX ) SHOWING I HAVE COLLECTION BALANCES. ALL BALANCES HAVE BEEN RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In 2012 I purchased an automobile from Nissan. While shopping for a loan, the dealership processed 2 loans, 1 from Nissan Motor Acceptance and the other from XXXX XXXX XXXX. Only 1 loan was valid, and payments have never been late. The Nissan loan was canceled and no payment was ever due. This information is only reported as negative at XXXX, and not at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I received a negative remark on my credit report. Nissan put that i paid my car payment 30 days late. I did not pay it late. I paid it online and their system rejected the transaction. I wrote them and letter and called them and they still refused to remove. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I had a vehicle reposted after setting up payment arrangements. There was no notice given of repossession. GM Financial also says they have no record of pending payments. They said according to Virginia Law no notice is needed but from what I found, a notice of 10 days is needed. 
The Virginia Consumer Protection Law and Title XXXX of the Code of Virginia outline the rights consumers have against lenders performing repossessions of their vehicles. The Virginia Code requires lenders to disclose their rights in their written loan contracts before they can legally repossess their vehicles. If they fail to disclose their rights to repossess, they can not proceed with repossession. 

Written Notice Effective XXXX XXXX, 2010, the Virginia Assembly passed legislation requiring lenders to send borrowers a default letter before attempting to repossess their vehicles. The lender must send a written notice by first-class mail at least 10 days before repossession. The notice must state the amount of principal and interest due and owing, and alert the borrower of default and provide him with notice of the lender 's ability to repossess the vehicle if the buyer does not pay the entire delinquency by a prescribed date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I had a XX/XX/XXXX chevy XXXX. I leased this vehicle XX/XX/XXXX for XXXX miles a year for 39 months. During the period of time I had this car, I had at least XXXX recalls, as well as a blown transmission only XXXX miles into the lease. Needless to say I have been disappointed. At my 36 month mark I decided instead of bringing back in for ANOTHER recall issue, as well as additional transmission issues, that I would return my lease early and ask for my last XXXX payments to be waived. I called customer service at GM financial, and I was told they could not help me, and that I needed to call GM corporate. I called GM corporate and they said I had to call GM financial. Round and round we go. 6 hours over several days on the phone and no help. I finally get a " ticket '' and was told to bring the car to the dealership, they will do a diagnostic, and my payments will be waived. I returned this vehicle on XXXX after being told by GM that if I return the car, they will waive the remainder of the payments. Please note at time of return I only had XXXX miles on the car. WELL below my lease allowance. Well, I got a kick in the face on XXXX, GM financial removes {$460.00} from my bank account for this car that I no longer have. I tried calling again, only this time to be transferred numerous times and hung up on. I was also told that " there are no supervisors to speak to, they are in meetings ''. My fear now is that not only am I out the {$460.00}, but that they will continue to charge me for 2 more months for a defective car that I have returned. I want my money refunded, as well as any future payments waived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, this complaint is in response to Equifax 's investigation and verification of an public record that appears only on XXXX XXXX 's Equifax credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute. Under XXXX XXXX XXXX XXXX - Validation of debts XXXX Disputed debts " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX of this section 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 a 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. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXX original creditor : XXXX XXXX BANK, XXXX Partial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity. The following inquiry is unauthorized and fraudulent : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation