vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-23 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
I contacted NCC in XX/XX/2015 and advised I did not owe any debt to XXXX, I sent the documents from XXXX confirming I had a XXXX balance with them and I owed nothing to them. This was sent to NCC who advised it would be removed within 30-60 days due to balance paid. I received no letter as well as debt is reporting on yardi rent bureau as well as it is affecting my credit. This company has not resolved this issue in a year which is unacceptable. Now I can not rent a new apartment due to this error by NCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
I am being constantly harassed by the law firm Frederick J. Hanna & Associates in XXXX, Georgia. I had a debt two years ago, where I reached an agreement with the original creditor XXXX XXXX XXXX Bank to pay the principal in a lump sum, and the rest would be forgiven due to my financial circumstances. I have not received any communication from the original creditor for over two years, then suddenly in 2015 I started to receive constant and harassing telephone calls from the attorneys at Frederick J. Hanna & Associates in XXXX, Georgia saying I owed a debt for an amount that is much larger than the original balance that was resolved. I have contacted the law firm several times asking for PROOF of the amount owed and I recorded a representative saying " he only worked there '' and as a collection agency he did not know how they came up with the amount I am being sued for. So my understanding is that you can constantly harass a young woman by telephone, mail, take them to court and expect them to pay an amount that as a law firm you can not show proof or a breakdown of what is supposedly owed?!?!?! I have other recordings to show that Frederick J. Hanna & Associates in XXXX, Georgia were not trying to resolve the matter ; after constantly contacting them or leaving messages I was hung up on or my calls were never returned. I asked my original creditor to provide proof of the debt owed and they could not. I was told the account was closed. I sent the law firm an Answer to their lawsuit denying any debt was owed and asking for proof of the debt. For the firm in return to respond and ASK FOR THE SAME THING?!?!? Frederick J. Hanna & Associates in XXXX, Georgia is the law firm suing me, constantly harassing me and expect for me to give proof of a debt resolved OVER TWO YEARS ago when they can not ; it is ridiculous. The law firm is causing emotional and academic damage due to the bullying tactics. The numbers do not add up of what they say I owe, and when I called them to try to talk to them, the lawyer only argued with me and would not show evidence of the exact amount. I have recordings and physical evidence to show the INCOMPETENCE and LACK OF EVIDENCE the law firm has of the debt I " supposedly '' owed. Frederick J. Hanna & Associates in XXXX, Georgia are sharks and need to be stopped!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA

Complaint narrative:
Account handled by F J Hanna now turned over to new attorney - XXXX. Never received debt information from Hanna.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Mortgage note sold multiple time, note was discharged in Chapter XXXX Federal Court beforeCarrington Mortgage acquired it and should have never reported this as negative information on me or my wife 's credit reports, the original note holder XXXX XXXX did that during Bankruptcy. This is causing XXXX extra negative item and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
We were discharged from chapter XXXX. Our home is underwater and wife being out of work since XXXX 2015. We ask Our second lender ( Carrington ) to settle the debt so we can retain the property. They only offered help with a short sale. In a short sale they wo n't get nothing. We never reaffirmed the loan. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Alexander & Associates, Inc
State: NJ

Complaint narrative:
I went to XXXX for my XXXX XXXX on XXXX my insurance at the time was XXXX XXXX XXXX XXXX I paid my copayment of {$40.00}. 

I was sent a total of {$880.00} for reimbursement that went to their overpayment recovery department for me to pay back XXXX. 

I was told XXXX I had to repay due to incorrect billing. The Dr 's office and then a collection agent refused to submit correct billing.I have disputed this debt since day 1. 

I was contacted by a XXXX and said the debt was incorrect as they showed me being reimbursed for {$1100.00} which I never was the patient statement they sent and patient demographics report both had incorrect information amounts received and insurance at time of service. 

I explained that the debt was incorrect and asked help in resolving the matter as XXXX said they would be reimbursed more than the XXXX that I had refunded backWhat happened after was a series of harassing and attempts to intimidate phone call by a XXXX specifically on XXXX. 

The letter dated XXXX/XXXX/15 is a complete and fraudulent statement that " there has been no response in regards to payment ''. The polar opposite has occurred and I find the actions of Williams, Alexander and associates to be deceptive and illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I have a 15 Year mortgage loan with XXXX. They turned over the loan to Loancare - A servicelink company. My LTV is below 78 % of original value, and I have requested that my PMI be removed twice, but they do not respond. I call them and have waited hours on the phone but no one answers the calls. I have now paid XXXX additional PMI 's to keep my loan in good faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with BBVA Compass Bank in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting BBVA Compass provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Lionstone Holdings Group
State: AZ

Complaint narrative:
I received a call from someone trying to serve me paperwork on a debt, they left the contact information. I called the number I was provided XXXX and spoke with XXXX XXXX. He verified my SS # and date of birth. He proceeded to tell me about some debt from 2011 that I owe {$1400.00} on. He never informed me that this was an attempt to collect a debt. He stated to me that they are persuing legal action and going to get a judgement against me. I asked him several questions about the process. XXXX did n't want to answer my questions and was rude in his response and tone. I tried to verify what address they had on file for me and the address was in a state I have never lived in. He said it didnt matter they would still get a judgement against me even if they dont have my correct address. I told him he didnt need to be rude to me as I was just asking him some questions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
My employer is with holding wages from from my pay for XXXX and XXXX XXXX. I was not properly notified XXXX, the state where I work and live. The alleged judgement was filed in XXXX and not XXXX where I work and live. Also, the alledged debt from the year 2000 would be time barred, past the statue of limitations for XXXX anyway, and not enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander Bank did not credit my checking account the {$150.00} bonus, and is unwilling to tell me the timeframe it will take them to credit the funds to my account. This is a direct violation of the account agreement that was set up when I created the account with the {$150.00} promotion code. I fulfilled the full terms of the offer by making a Direct Deposit of {$500.00} into the account and keeping it in good order for 90 days. I am deeply troubled that Santander 's customer service was unwilling to give me a specific date that the bonus would be credited, and that I now have to present this to them via the CFPB. This should n't have to happen.

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 2015-08-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am on my other checking account and my card had expired on XXXX/XXXX/15 which i should of receive a new card. I did not so my mother called on XXXX/XXXX/15 and spoke to a XXXX and then I spoke to XXXX. They stated that the orginal card was sent to my house and I never received it. Then stated I would be issue a card in 5 to 7 business. It is now XXXX/XXXX/15 and no card. So my mom called spoke to XXXX and then to me. She stated that the card were not issue do to error of address. So I ask to speak to a supervisor XXXX said her supervisor XXXX was not avaiable and XXXX XXXX would call me back XXXX hours and XXXX minutes latter XXXX calls and ask for me. I gave her verification information but she got made because she heard my mom in the back ground and got mad. So my mother got on the phone since she owns the account. When she asked to speak to her supervisor she or corperate XXXX stated she was in the corperate office and she had no supervisor. My mother stated she would place a complaint due to that this is her account and when the card was not issue someone should of called. But XXXX is going to argue and i am not happy. XXXX job is to be getting phone records first before placing a call and customer service should be top important to this company. I do n't have my card for unknown reason and I want my card without any hassels period. This is my mother acccount which she had for many years and place me on it when I was XXXX. This company has charge my mom for many thing and mess up her account when they switch over to who they are and she did not get reimbured to all her account due to their error. And it funny that my card didnt come because you get all junk mail sent to my home address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
Nissan Acceptance Corp is listing a debt on my credit report for all XXXX credit reporting agencies. This debt should not be listed on my credit reports as they have sold the debt XXXX to XXXX different collection agencies. I find it disturbing that all XXXX of these companies have attempted to collect on the same debt. I wish to have this debt removed from all XXXX credit reporting agencies. Lastly, this debt has been charged off and is also part of a profit and loss write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Santander Bank Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. In XXXX of 2014 they marked the payment late for 30 days when they received it on time for credit reporting on XXXX XXXX 14. Yet the statement shows received on XXXX XXXX 14 and processed XXXX XXXX 14. Something similar happened in the next month. The payment was due on XXXX XXXX 14. However that date was on a Sunday. Santander processed on the Monday XXXX XXXX 14. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX/XXXX/16, Santander Bank left a message on my voice mail alerting me that fraudulent activity had occurred within my online banking checking acct. I called the number they told me to call, however, they told me they could n't give me any info & that I 'd need to go into the branch office. On XXXX/XXXX/16, I went into the XXXX XXXX XXXX XXXX, MA branch office. I was there 2 1/2 hours while XXXX XXXX, the bank rep, called the fraud unit. I was informed {$990.00} was externally transferred out of my online checking acct. Finally, someone at the tel. fraud unit line took my claim ( while still at branch ), telling me to use reference # XXXX to inquire about status of the claim. I was also informed by the person taking the claim that I 'd receive a 'provisional credit ' of {$990.00} into my acct. within XXXX10 business days. Also, they 'd send me an affidavit letter & I was to return it asap. To this date, I have n't received the letter nor the provisional credit. I have gone into the branch on XXXX separate occasions since & have called their fraud unit XXXX6 times & I 'm told by everyone that my acct is BLOCKED & no one can help me. Here 's the situation. I 'm XXXX yrs old & I need to purchase medicine as well as pay some bills. The {$990.00} that was fraudulently removed was the bulk of my Social Security check ( {$1000.00} ). Due to the massive incompetence by Santander, as well as some rude customer service reps, I 'm now in a financial DIRE NEED SITUATION. Today, ( XXXX/XXXX/16 ), I was told 'maybe ' I 'd receive the money in XXXX90 calendar days. When told by me this was unacceptable, they told me they could do nothing further. I 'm being treated like a criminal when I 'm the VICTIM of fraudulent activety which occurred within THEIR online banking system. Obviously, their online banking security measures are failing but that 's not my fault.

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 monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I became aware that my identity was stolen in XXXX 2016. There have been several inquiries into my credit report since that time for items I did not apply for. I have been able to contact most of the companies to have the inquiries removed. Santander Bank has not returned my calls to discuss the false application or confirm that the inquiry will be removed. I have not received a written notice that they will remove the inquiry. Santander Bank made the inquiry on XXXX XXXX, 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-31 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: WY

Complaint narrative:
I went to get a lease on a truck. I got one sum from the sale person, and at the point of sale I wanted to keep my car. The lease got to be twice the amount, and a down payment. But I keep the car. Now, the truck has been repossed by the loan company. The amount of the lease is as much as it would take to own the truck, and it remains a lease. I got XXXX regections from the loan company, and tried to take the truck back on XXXX differant accations. The lease came throw, and my credit was gone, the day I went into the dealer. So the loan was out of wack, and I have been kicked out of my bank, and I am unable to pay for my lease, I was kicked out a XXXX point. This seems to be timed as to the same kind of timing, the lease and the bank kicking me out at XXXX point. and My credit was over XXXX and now, and at the time the loan was processed, not good enough to get a loan and the company still gave me the loan at twice the price and a down payment, After regection XXXX times.

Company response to consumer: Closed with explanation