vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Social Finance, Inc.
State: OH

Complaint narrative:
Went to lenders website and filed in base information. I.E. type of loan, reason for loan amount requested and my contact information. Got automatic reply stating that the loan was pre-approved! Went through the steps required, sending more information and answering replies to their emails regarding back up documentation. 

Sent email to CEO as requested on their website and was contacted by their consumer relations department. 

Received email two days later that loan was not approved for reasons they would not explain over the phone and the other reason because I had high revolving credit which is what I stated the purpose of the loan was to correct! 

Sent second email to CEO stating I thought their site advertising saying the loan was preapproved was misleading and false advertising and stating the obvious about the reason given for the decline response was the exact same reason I had applied for the loan. Again, no response from him but a contact from his consumer relations department saying they could not give me the real reason the loan was turned down over the phone but she could send me the credit report that violated their terms and conditions. These terms and conditions were never explained to me or listed anywhere on their website or advertising. 

This has caused me to again search for a personal loan from other companies and put another inquiry on my credit report for pursuing a loan so the next company can say to many credit inquiries as a reason for turning down a possible loan. Plus has set back the timing of consolidating my resolving credit situation costing me $ $ 's in interest at the higher rates. 

I believe their methods are very deceiving to the consumer and practices of asking for communication with the CEO are also a deceptive practice when he never really sees the complaint or addresses the issue even though it is promoted that you will communicate directly with him and they use his personal email as the communication point. 

I would classify this lender as a buyer beware company because they are not upfront with their practices and lending criteria. Just looking to take people off the market in the hopes of securing the business from other lenders. 

Lender SoFi Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Newman, Mathis, Brady & Spedale
State: LA

Complaint narrative:
I did n't take a loan for XXXX. From this college. I only took XXXX classes and those classes did n't cost XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Consumer Asset Management (Texas)
State: NY

Complaint narrative:
My mom has been getting phone calls for 13 years about an old bill. Yes from 13 years ago. They have threatened to remove her furniture, take money off her credit card and now contacted mom 's neighbors to knock on her door. My mom is XXXX years old and almost completely XXXX. These people almost gave her a XXXX XXXX this week. Especially when neighbors are involved. 
My mom 's name is XXXX XXXX. resides in XXXX. I told XXXX XXXX she is in a XXXX home, so she stops calling. 

I have called debt management to confirm statue of limitations is 7 years. They have called relentlessly for years. 

I would like your help in contacting them and I would like to press charges for their scary tactics that has seriously done damage to us. 
They are XXXX XXXX XXXX XXXX XXXX TexasXXXX XXXX is the nasty lady, her number is XXXX XXXX but she picks up the call. 

Thank you so much, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX I contacted XXXX XXXX and paid the final bill of {$1800.00}. Then over 1 year later starting in XXXX XXXX we started be contacted by ACEI to collect the final amount of {$470.00} ( +/- ). We have not only confirmed that our balance is paid in full with XXXX but I also have a final statement. I have explained this to ACEI and they do not accept that. Not only was I not made aware that this went to a collection agency but I also do n't agree with their added fees.

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 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
I Provided XXXX insurance cards at time of service, returned to XXXX provided second copy of insurance, called XXXX three ( 3 ) times leaving voice mail requesting a call back. Emailed XXXX ( A Division of MST Financial Solutions, LLC ) once ( 1 ) via their website and called leaving voice mail twice ( 2 ). Did not receive a response from any attempts to contacts XXXX or XXXX After repeated disputes with XXXX on this issue, I finely received a call from XXXX. I informed XXXX of all stated above and that XXXX failure to bill in a timely manner if at all does not make this my responsibility and demanded that this be removed from my credit report. XXXX informed me it 's my burden to provide proof of coverage, which I sent yet again. I expected this to be removed from all XXXX credit agencies and they have taken little to no action to remove their fraudulent collections attempt besides sending me a letter stating they would.

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 2015-09-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Progressive Financial Services, Inc.
State: MD

Complaint narrative:
I work at XXXX where we are not allowed to receive personal calls. I was contacted by a employee of progressive financial services while at work. I explained that I was not allowed to take the call at work and quickly hung up to avoid getting fired. I was called again at work the very next day by the same employee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: PA

Complaint narrative:
3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I have an erroneous collection report from XXXX that continues to show on my credit report. I have written the collection agency about this item and they do not show an active or closed account with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: OR

Complaint narrative:
I had my directexpress card stolen and reported it within XXXX hour and closed it. I made a police report that same day then found out were it was stolen. I went to the minimart and talked to the manager and watched the tape of some woman stilling it..I then made several calls to the bank to resolve the issue. XXXX month later I finally received there form and sent it back. Two weeks ago I received a letter from them stating that they could not confirm that fraud occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica
State: TX

Complaint narrative:
I receive monthly benefits from S.S.I. XXXX. On the first of each month my benefit payment is put on a debit card in the amount of {$730.00} via a Comerica Bank Direct Express Mastercard debit card. On XXXX XXXX, 2016 I discovered that my balance on the card was only {$140.00}. I only used my card to make a purchase on XXXX XXXX, 2016 for about {$15.00}. As soon as I discovered that several hundred dollars was missing from my account I called the phone number on my Direct Express Mastercard to report that my funds were not in my account. It took me over two hours of waiting on hold and repeatedly getting hung up on before I was able to contact the Comerica Bank Direct Express fraud line. I reported to them finally that my money had been robbed from my account. They informed me that someone in Florida had withdrawn several hundred dollars from my account at an ATM at a XXXX store. I live in XXXX XXXX XXXX and have not been to XXXX. I ask the fraud line to hold off on cancelling my card till I could go to a Comerica Bank ATM where I was able to withdraw {$140.00} of my {$140.00} balance. Even though I used a Comerica Bank ATM I discovered they still charged me a {$3.00} fee for using their ATM. After much difficultity and a long wait on the phone attempting to call Comerica Bank back to cancel my card. They told me that within ten days they would mail me a fraud form that I would have to fill out and mail back to them and then they could conduct a fraud investigation that would take up to 45 days before I could get my SSI XXXX funds refunded to my account. Today is XXXX XXXX, 2016 and I have not yet received the form they promised to send me to start the process to get the money stolen from me back. On XXXX XXXX, 2016 I opened my own direct deposit bank account with another bank since evidently the Comerica Bank Direct Express system is not secure and due to a fraudulent breach of their data base my money was stolen from me. I have only used my card to either make ATM withdraws or to make purchases at the store and to pay utility bills. I have never used my card to make any purchases online nor used it in anyway to put the security of my card at risk of theft. As a consequence of my money being stolen from my Comerica Bank Direct Express account I have not been able to pay my bills and have suffered serious financial hardship and had to lean on family members and friends just to eat and try to get by without the money from my SSI XXXX in the month of XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica
State: NY

Complaint narrative:
My card was charged of XXXX to XXXX XXXX and I do n't have an account with them my card number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Franklin Collection Service, Inc.
State: OK

Complaint narrative:
I paid {$90.00} to Franklin collection services, inc. via the pay online feature of their website. Since Id never received mail from them, I did not have an account with them. In the account field, I put my SSN. Franklin saying they have no record of my payment because I did n't use an account number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC
State: SC

Complaint narrative:
Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: NH

Complaint narrative:
I am having problems with US Bank Loss Mitigation department in processing a short sale and receiving expeditious responses from Short sale personnel, team members and even Executives. The loan is a 2nd mortgage home line of credit and the 1st Mortgage has already been Approved. Paperwork was initially sent on XXXX/XXXX/16 but I did not get a response on receipt and I had to fight with everyone that I spoke in Loss mitigation department until a customer service rep finally who gave me their email address. I sent all documents via email. I was told by the same person that gave me the email address that there is no escalation available for short sales in the XXXX XXXX that it will take months and months, which is untrue because we have processed short sales before with the same Lender and there was an escalation option. 
In between my correspondence with the customer service rep and calling the Loss Mitigation department which proved useless, I called and emailed the contacts I was given by my co-worker sent me on these dates asking for assistance and sent them documents : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. On XXXX, I called the complaint department and made a complaint/escalation giving full description of the short sale issue, that we need help, that we have approval letter, etc. I was told that they had a deadline of XXXX on this issue then I would get an answer but to call back on XXXX Monday to see if there was a resolution. On XXXX, Monday, I called in to the complaint department to see what their answer was. I was told by one of the managers to call back on XXXX or XXXX late afternoon to get that resolution because it was not ready yet. I called XXXX in the XXXX and that was when the customer service and the same person that took my complaint claimed not to have my authorization. I had to insist on speaking to the manager. She finally transferred me to the manager and was told that there was no authorization on file. I got his email address and sent him the authorization. Today I get an email from him letting me know that I can send him a detailed email regarding our complaint. He also said he would send our authorization to various departments that needed it in US Bank. I have re-emailed a long description of our complaint to him and to other executives and personnel with US Bank regarding our complaint and a complete timeline of it.

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 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I would like to file a complaint in regards to GAP insurance that was purchased through XXXX XXXX, XXXX, Alabama XXXX ( XXXX ) XXXX for a XX/XX/XXXX XXXX. The car was in a collision on XX/XX/XXXX. The XXXX XXXX has since totaled the car and paid XXXX XXXX XXXX. The XXXX XXXX is XXXX. 
The GAP Insurance Information a fax was sent to XXXX at the Attention of a XXXX XXXX XXXX. Confirming the purchase of this GAP insurance XX/XX/XXXX I thought this issue had been resolved until XX/XX/XXXX. I had not received a notice verbal or written from this company until a XXXX XXXX XXXX of Sum Collections ( XXXX XXXX XXXX called to collect XXXX from me. This is ridiculous when I have acquired the XXXX XXXX as well as sent XXXX XXXX XXXX ext. XXXX the information before the ( XXXX ) day deadline mentioned on the letter that I have. When if I obtained the insurance why do you give only ( XXXX ) days when other individuals are responsible for the accident in the first place. I do not have any control over any insurance company or its employees. It seems as if XXXX and XXXX and XXXX XXXX prey on individuals who they deem unable to fight them back. 
Apparently this is not an aberration. XX/XX/XXXX, there was a complaint filed Complaint XXXX where another person had GAP coverage and again they refuse to honor their commitment, lie, cheat, and steal their way out honoring the contract. I am frustrated in that knowing there are such scavengers willing to prey on the people who are in need decent transportation with less than perfect credit. Take people 's hard earned money, sell them a vehicle, sell an insurance that you know you are not going to honor, and extort monies from them and if they do n't pay you sick the hounds on them. Perhaps a thorough investigation is needed as to XXXX fraudulent and deceptive practice to unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
We have a lease with Honda. XXXX account number XXXX. We turned the car in XX/XX/XXXX. I called the county and paid the amount owed. Honda had paid the entire amount due. XXXX XXXX VA then issued Honda a tax refund check ( for XXXX leases ). The check was cashed by Honda. XXXX was XXXX of the lease 's on the refund check. Honda is wanting us to pay this amount even though with the refund check they actually owe us {$17.00}. I have submitted the information to Honda on XXXX separate occasions the date of the check the amount of the check and the leases that were affected for refund on this check from XXXX VA treasurers office. The check has been cashed by Honda. If we were not credited for the money are there XXXX other tax payers and leases that have not received. Now they want to report this on our credit report. I have called and called. I did get a case number at Honda today XXXX the number I called was XXXX ) and my case number is XXXX. The customer service people have told me repeatly that someone from the tax department is going to call me but they do n't and they do n't credit the account. They now are also asking that we pay the {$35.00} balance for the tax even though XXXX has sent them {$53.00} to credit to this account. The actually owe us money. Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I ordered an internet service through XXXX XXXX XXXX and the service was disconnected after one month due to incomplete installation ( cable was cut by HOA, XXXX XXXX XXXX did n't bury the cable in front of my house ). 
I paid their service fee and returned equipment to Texas office and I do n't owe anything for them. 

When I call XXXX XXXX XXXX and try to resolve this payment issue, they transfer to different dept which is not relevant to this issue and try to waste my effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
This complaint is being sent to Wakefield & Associate in response to the above reference account ( XXXX & XXXX ) that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Northstar Location Services, LLC
State: KS

Complaint narrative:
On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name Northstar Location Service is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.

Company response to consumer: Closed