vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
they did not send me a notice of right to dispute, no information to verify debt no name of what they where trying to collect on did not say my full name only asked for first name, did not give me a speech of how it was an attempt to collect a debt ... ... after i told cease calling me cause could n't even address who they were fully asking for told me they will take the cease as a acknowledgement of the debt and a refusal to pay and hung up on me when never told me amount or original account number or what type of account they were trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Dear XXXX iam writing this note to you telling you about the unfair treatment that i have been getting for trying to get a loan modification from rushmore XXXX loan company I pay several companies to try and help me and I get no result now iam working with a next company and its the same thing so can you please help me cause I want to keep my house all iam asking for is help I filled bankruptcy for several times just to stop them from taking my house I work XXXX jobs to get it and do n't want to lose it thanks again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I received a letter in the mail from Rushmore Loan Management LLC claiming that I was delinquent on my XXXX trust loan. They demanded that I pay all past due amounts -- there are none -- and sign up for their automatic withdrawal. ( I send the payment via XXXX every month on the due date, and it is received by Rushmore that day. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
I represent, as a manager, a landlord to ACE Cash Express in XXXX Washington. They have abandoned their rented space with one year left in their lease. They used you as an excuse by sending me a copy of your XXXX XXXX, 2015 Outline of Proposals Under Consideration and Alternatives Considered. They said this allows them to vacate the lease. However, the lease says they can vacate the lease only if there are rule or law changes that stop them from operation in Washington state where this store is/was. I have sent them letters, called, and emailed XXXX XXXX, their current VP. They are ignoring me and owe me over {$36000.00}. Can you please help me or tell me who to contact?

Company response to consumer: Closed
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Lost my job, Veros credit seized the car, sold at an auction. For eight months they are charging me as if I still possed the car. Reporting each month to my credit report. I receives threathing calls from them daily. They also threatens to send letters to my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I applied for a payday cash advance for smaller amount but was told the only fund loan in the amount of {$2500.00}. The representative told me that if I did not want that amount then I could give back a portion to lower my loan amount. I agreed and set up weekly automatic payments for an amount to goto principal. When I got the monthly statement I found it was going to the interest only. The following month I lost my job and asked that they no longer do automatic deduct from my bank account. They agreed and stop the withdrawals. However, each week I would get a call about making a payment. I was honest to say that as soon as I got a new job I would start payments again. The representative said they would note the account but might not stop the calls. I said I was would take the calls and keep them informed of my situation. Then the call stop coming. This week I received a call from a law firm that was trying to serve me because they are filing a civil suit for breach of contract and check bouncing. I told the firm I did not bounce any checks because I never wrote any checks. I also explained that I am looking for work and asked could I set up a payoff for after I get a tax refund in XXXX or XXXX. He was rude and said that they will be suing me so that they can garnish my wages when I do return to work. I do n't believe this is necessary and would be an embarrassment for my future employer to receive that type of paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Technologies, Inc.
State: GA

Complaint narrative:
I requested a copy of all three national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Credit Technologies, INC. requesting a freeze on my credit report. They responded by saying that the hard inquiry could not be removed from my report, in which I did not ask that it does. I asked for a freeze and that was not honored. I feel that hey are indeed trying to give me the run around.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I was charged for a service at a hospital that was not mine. after calling the hospital they told me it would be taken care of. Instead they gave it to a collection agency. After trying to get this resolved no one would listen to me. I paid this debt {$360.00} to get it off my credit report. It is unfair that it is still on my credit report after paying a debt that was not mine after paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
GM Financial is reporting an old debt on my credit file from 2006. The loan was never with them my loan was with Americredit that i paid the loan off with. The debt is over 10years old and paid in full - i tried to apply for financing for another car loan recently and was denied due to this old car loan being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I want to pay more than the minimum monthly payment on my loans with interest, but there is no way to do that. The only option on the THECB loan repayment website ( XXXX ) is a lump sum payment that the organization then separates among the loans at their discretion. To change the automatic disbursement among multiple loans, a payment must be made and then a phone call must be placed to them during their business hours, and a request must be submitted to change the payment. The process is too long and difficult, and they have only successfully completed this request one or twice out of multiple attempts. It is in their benefit for my extra payment to be placed on my no-interest loans instead of my loans with interest, and I believe this scheme to be intentionally so. It is too difficult for an average consumer to pay down the high-interest student loans. There should be a less cumbersome method for choosing how to allocate payments among multiple loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am trying to obtain a legible copy of a check cashed against my mother 's account on or about the day she passed away. I am an executor of her estate. There is a {$5000.00} discrepancy in the balance and I have not been able to obtain a legible copy of the back of the check. I have a copy of XXXX sides from the bank but only the front is legible. The back is too blurry to read. I will attach a copy for your review. I have contacted my mother 's bank and they state that sometimes " that 's the way the check copies are, and they do not know where the original can be found ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Under Complaint Number CFPB complaint number XXXX I, XXXX XXXX XXXX will like to add a new complaint against GM Financial, their address is XXXX. XXXX XXXX, XXXX XXXX XXXX. GM Financial brought my car loan from AmeriCredit several years ago under Account Number XXXX. The product of this loan number has been reported as a deficiency to National Highway Traffic Administration reference number XXXX ; also reported to the Federal Trade Commission under XXXX, and also it combines to substantial ground with Federal Trade Commission Report # XXXX that clarifies incident of identity fraud. This loan was also reported with Police Report Number XXXX to Experian Credit Bureau Report Number XXXX. Report is being followed up with the U.S. Supreme Court XXXX in which XXXX XXXX XXXX is involved with this loan which is reported as a deficiency. The product was sold to me with hidden damages which I was not aware of at time of Purchase in XXXX XXXX. I have tried to resolved this issue with G.M. Financial in it is off of my credit report but the issue is that G.M. Financial is demanding money from me for late fees due to the fact that investigation is going on against the XXXX XXXX of this product. G.M. Financial will not release a Title Lien or Title of the product. The product is clarified as being paid on all three credit Reports so G.M. Financial should release Title to in correspondence. The information of product is a XXXX Ford Taurus the VIN Number is listed on the National Highway Traffic Safety Administration Report. Note : There was a VIN Error Certification filed as part as investigation. I, XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I can be reached at XXXX for further questions. The investigation is still pending for review. I XXXX XXXX XXXX desire the will of the greatest, the best, and everlasting within my civil rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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:
To Whom IT May Concern ; I tried to reach a resolution on complaint XXXX with XXXX XXXX Nissan to no avail. The persons I needed to talk was always out of the office. This was totally unacceptable I was willing to surrender the vehicle. However, I now want them to consider the loan paid off with nothing against my credit. Also a apology from Texas Nissan of XXXX and XXXX XXXX for his lies, cheating and XXXX ways. He shows know respect for XXXX Vets nor their families all life matter regardless of race.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I co-signed a auto loan for my cousin. After 6 months she refinanced the vehicle. I was told everything would be taken care of. She refinanced and one day I get a call saying that the car note is late. I was shocked because I thought she 'd refinanced. So the truck was repossessed and now it 's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: TX

Complaint narrative:
I received a phone call at my work number with an ominous sounding message containing XXXX legal language. Since I ca n't take personal calls at work, I waited until I got home to call the number back. I found out that this company also contacted XXXX my relatives. 

When i called the number back, XXXX verified the last XXXX digits of my SSN, had my address, but had an incorrect e-mail address. He gave me some spiel about XXXX loans that I owed, but could not provide me concrete information on who originally made the loan to me, when the loan was made, and basically any information to verify what the debt was. I have no idea what his call was about. Further, I asked if his company was licensed to collect debts and he said he did n't know. I asked for the address and he was originally evavise but provided me a XXXX. XXXX. I instructed him not to call my work or my relatives, and when I attempted to provide him the best number to contact me he said he did n't want it. He 's trying to scare me into paying something that he has no idea what it is and ca n't prove that I am legally obligated to pay. I want his company to never contact me, my work, or my relatives again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I returned my leased XXXX XXXX XXXX before the end of my lease period, on XXXX/XXXX/XXXX, received a lease termination statement from the dealer, and a subsequent end of lease liability statement from Infiniti Financial Services showing {$0.00} net liability. On XXXX/XXXX/XXXX, Infiniti Financial Services sent me a new end of lease liability statement indicating that I owe them {$430.00} property taxes. On XXXX/XXXX/XXXX, I received a collection notice from XXXX XXXX XXXX, XXXX for the same {$430.00}. XXXX has also called and left messages on my home phone. I called Infiniti Financial Services on XXXX/XXXX/XXXX and was told that the tax is for the period XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, and that I owe this tax because the license plates were not turned in and " it is the customer 's responsibility to do so ''. The rep also indicated that someone, though she could n't tell me who, submitted a " lost plate '' affidavit to the state of Connecticut in XXXX of XXXX. I left the car at the dealer, with the plates attached, on XXXX/XXXX/XXXX. I did not receive any instruction indicating that I was responsible for returning the plates, nor did I file the lost plate affidavit, since I had no idea they were lost. I am a senior XXXX XXXX and paid this {$430.00} amount on XXXX/XXXX/XXXX since I can not have this blot on my credit history, however this is ridiculous. I returned the car almost a year ago, paid everything I owed and left the car with the dealer in good faith. I am now being harrassed by a collection agency, not only for something I do n't owe, but a purported debt that was n't even billed to me until 3 days before it was turned over to this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
Regardless if they had a sign up like they say referring to XXXX money mart has severalsigns they never pointed out an option menus and failed to tell me how much they charged me, now I want full reimbursement because they tainted my cash I want the full amount of the check I cashed because they tainted my money also the state of California does not want them burning me also they have copies of XXXX checks the XXXX was to my attorney and the other to me and they are withholding XXXX of them from you why?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
Receivable Recovery {$220.00} for all debts I had on my credit report on XXXX/XXXX/2015 by Debit Card to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I XXXX contacted XXXX by certified letter in XX/XX/XXXX requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
XXXX responded with a letter dated XX/XX/XXXX on company letterhead just stating that they are unable to determine the nature of my dispute and that they are closing the investigation. None of the information I requested was provided. I contacted XXXX as a final attempt by phone sometime around XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
I was told by XXXX 's collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections which he said was XX/XX/XXXX. I am confused by what he said. I am simply asking XXXX to provide me the information I requested to complete my validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 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: Southwest Credit Systems, L.P.
State: NH

Complaint narrative:
My ex husband lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX has for atleast 8 years. 
he opened a XXXX account under my name owing XXXX $ now on my credit.. 
The address above is on my report and so NOW is his delinquent account. I want it removed as he had NO PERMISSION to use my name as I have a perfect record with XXXX for 7 years at my address of XXXX XXXX XXXX XXXX NH ... I have spoken with XXXX who knows that this was fraudulent..They stated my ssn is NOT on that account as it is NOT mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
My Fiance and I moved out of a bedbug infested apartment complex in XX/XX/2016. The landlord attempted to keep our {$200.00} security deposit, and charge an additional {$310.00}, because the carpet was left in poor condition. We have actively been disputing this, citing Michigan guidelines for dealing with bedbugs in multi-unit housing which clearly indicate the carpet should be replaced in most cases, and requires a special bedbug vacuum in order to prevent spreading infestation to new places. We feel this is a totally unreasonable expectation for a landlord to place on their tenants. 

In addition to this, my fiance 's name has been misspelled in every piece of communication we have received from both XXXX ( the apartment complex ) and All State Credit Bureau ( The debt collection agency ). We realized this when we received an updated list of damages with a security deposit refund check that was refunded " under dispute. '' However my fiance 's name was misspelled on both the updated list and the check. When we pointed this out to XXXX, XXXX, a XXXX representative, responded by saying this, " I have attached a copy of the security deposit refund form with the clerical errors corrected. 

... 

Your account will be turned over to All State Credit Bureau for further collections on XX/XX/XXXX. They will be in contact with you after that point. '' So we recieved a new list of damages, with her name still spelled incorrectly, but differently this time, but no mention of a new check being issued. This seemed extremely suspicious to us, so we have not attempted to deposit the check and for all intents and purposes our security deposit is still being held. 

The reason for our complaint is this. We received a letter from All State Credit Bureau in mid-XX/XX/XXXX saying that we had 30 days to dispute the debt. We responded within 30 days on XX/XX/XXXX via certified mail which we were able to verify was signed for and delivered to their agency. As of today, XX/XX/XXXX, we have not retrieved any form of debt verification from All State Credit Bureau. Yet on XX/XX/XXXX we received an email attempting to collect the debt that has supposedly been transferred to All State Credit Bureau. As outlined in our dispute letter, we are not sure why so many entities are still attempting to collect this debt, or who has a rightful claim to it. If, as XXXX said, the debt has been transferred to All State Credit Bureau, we must assume that the collection attempt we received was approved by their firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX credit is reporting a debt i do not owed i was never contacted by them or any other company about this. This is affecting my credit history

Company response to consumer: Closed
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed