vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
1. I asked for a payment history on my loan over 90 days and still have not received it. I have received a couple of letters saying that HFC needs more time. It has been over XXXX days since I made the request. What would take so long to print out my complete payment history. 
2. HFC put my loan back in the bankruptcy department and has turned off my online access to my account. I did n't receive a bill for XX/XX/XXXX. I ca n't view any bills online as I am locked out. I do n't know what my payment is without a bill? 
3. I called on XX/XX/XXXX to make an over the phone payment. I was transferred to the loss mitigation department to XXXX XXXX. No answer as usual so I pressed XXXX. I got a loss mitigation employee that said I needed to speak with the bankruptcy department. I was transferred to another associate and told her that I was trying to make a payment. This associate said okay I will get you to the bankruptcy department. I was transferred to XXXX in the bankrtupcy department. I told her I was trying to make a payment and wanted to know why my account is in the bankruptcy department. I was asked if I recently filed bankruptcy. I said no and she asked if anyone else who lives with me filed bankruptcy. I told her know and she said she needed to review the notes on my account. XXXX told me that there were errors on some payments in XX/XX/XXXX/XX/XX/XXXX and they were being corrected. I asked what payments and why have I received a corrected XXXX. XXXX was unsure and told me that once they complete the audit I would be pushed back to regular servicing. I said I am not receiving bills now and have no online access. I asked why would payments from XXXX years ago need to be corrected now. I asked for a payment history! XXXX has no real reasons. I asked how in the world I make a payment. XXXX said she could take a payment over the phone. I asked what I owed since I do n't have a bill. XXXX just responded with " well what do you want to pay? '' This is such a nightmare I ca n't believe that I am still having to go through this with HFC! I made a payment over the phone and asked when someone would tell me what 's happening and why? XXXX did n't know but gave me the XXXX number to HUD. 
4. Why is my loan is the bankruptcy department? I have been discharged from my bankruptcy since XX/XX/XXXX. Why am I not getting bills? Why is my account access turned off? Why have I received a corrected XXXX? Why have I not received the payment history I asked for over XXXX days ago? 
5. I applied for a loan modification back XX/XX/XXXX and was told my payment history had to be audited back then. It took XXXX year and a compliant to the CFPB to get the modification approval. Now my payments are being adjusted again? What is going on? This is not good business practices. My loan as I assumed is not correct! That is why I am being denied the payment history. HFC is not an honest company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc.
State: KS

Complaint narrative:
Supposely I received a pay day loan from Money More XX/XX/XXXX and now being contacted XXXX They say that I am being charged with fraud and passing a bad check When contacting this company they said that I was given a letter of intent XX/XX/XXXX I have never received this letter. When I asked for an address to send pament they refuse to give me a address. They are supposely going to take me court and have me arrested etc .... Phone number for XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc.
State: AL

Complaint narrative:
On XXXX/XXXX/15 I reached a settlement agreement with Gatestone agency to pay off my debt with a XXXX XXXX XXXX credit card. The settlement was for several hundred dollars less than the original amount, but I was assured that my account would be considered paid in full. One week later, my bank account was charged the remainder of the balance of my debt without any authorization from me or prior knowledge of this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
Ford Motor Credit has denied financing that I qualify for. Over 10 years ago I filed a bankruptcy and was under order of the court to surrender a car. They sold the car to recover some of the loss. They continue to " hold it against me '' even though I clearly qualify. I was told that because of that I will never be able to get financing through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: EZCORP, INC.
State: CO

Complaint narrative:
The company deposited checks into my bank account and the checks were fake. My bank is claiming me responsible for the fake check amounts now totaling over {$5000.00}. the company was XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
Incorrect inquiry. Merchant refuses to remove UPSTART credit inquiry not authorized XXXX XXXX, 2017 Creditor Contact Details XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) 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 2015-05-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I was attempting to use my PayPal Account to pay for an electronic fax on the website XXXX. When I clicked on the pay with PayPal tab, I was prompted for personal information to confirm my identity in order to check out. The payment process was misleading, as the consumer is led to believe they are simply confirming it is them who is attempting to use the account. In reality I was signed up for a PayPal credit account, that I never wanted. There was nothing that clearly identified the fact that I was signing up for a credit account. It will now show as an inquiry on my credit report, and it will show that I had this account and closed it. I immediately called to close the account, and did not have any problems with the company in that aspect of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
A Military Star Credit card, aka Take it Home Today, was settled in a dispute resulting in no balance due following settlement. As part of the settlement, the company agreed to remove the item from all trade lines. As of today the information for account # XXXX is still showing on the " XXXX '' credit reporting agencies trade line under my name, and is a violation of the agreement made by the company almost a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
The debt has shown on my credit report in XXXX separate spots. I do n't know what for .. When I called I was decided a statement. 
Progressive mgmt systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: OR

Complaint narrative:
Seneca Mortgage LLC has mismanaged escrow funds for my mortgage from what I 've been able to gather Senca made double payments to my property insurer on file as part of maintaining my Escrow. They then sent me a vague letter informing me I was to receive a check from my insurance company which I was to cash then send on to Seneca. I never received a check from my insurer so I assumed Seneca resolved their own problem until I discovered they are now attempting to charge late fee 's because the Escrow account is now in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
Have not been able to access my account info for several months with little to no help from Seneca mortgage servicing co. I can not access the account via the web or through phone calls which is next to impossible to get someone to talk to you over the phone the system is set up so you can not get hold of an actual human to get any information they are combative with you over the phone and after the first filed complaint there response was to send legal documents ( copies ) of what their rights are to collecting mortgage payments and foreclosing on loans none of this is at issue and wo n't fix the problem with no access to the web site for customers this is an on going. issue with several customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP
State: OH

Complaint narrative:
In reference to my previous case XXXX, I want to file a formal complaint about the Ipso Facto Clause within the promissory note, which allows the automatic default by the lender upon a creditor 's formal bankruptcy filing. This was the damning clause for me as all my other private/federal loans went into a state of forbearance due to them being student loans. As such, they were not included within the formal bankruptcy debts to be discharged. KeyBank was the only institution that enforced this clause out of all my student loans held and after my discharge the debt went to collections. I feel it an unfair and highly unethical practice to allow lenders to include this clause within the contract if student loans are not dischargeable under normal bankruptcy proceedings, without proving undue hardship. As I made no attempt to prove such hardship during my filing and the inability to regularly discharge the debt, I feel the CFPB should move to block this type of institutional maneuvering and provide consumers with a more fair chance at repayment. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SCA Collections, Inc.
State: KY

Complaint narrative:
SCA Collections placed a collection back on my report on or around XXXX of this year.They originally placed it on my report on XXXX 2013. I requested validation in 2013 and they never provided it to the CRAs so it was removed. They have since reinsurted it back on my report. I requested validation through the cra again and all the did was verify it but still wont show me proof the debt is mine and that they have the right to collect on it under my rights according to the fcra. They are also reporting this debt as a factoring account with payment history which they are not. I also filed a XXXX complaint trying to get this resolved and there response was we sent him a intemized bill. This is rediculous that a collection company can place a collection on someones report, get it removed by the cra and then reinsert it again all without showing proof that the debt is that persons and then on top of that, report inaccurate data and inaccurrate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This information was shared illegally ( third party ) without my informed and expressed consent

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 2017-02-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Arbor Residential Mortgage LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX sold my loan mid-modification to Seneca Mortgage. Seneca declined to continue with the the modification. Seneca foreclosed on my home on or about XXXX/XXXX/16 and recorded a Foreclosure Deed on XXXX/XXXX/16 at the XXXX Registry of Deeds, at XXXX XXXX, Page XXXX. Subsequently, they sold my foreclosed loan to XXXX in XXXX of 2016, who is now listing me as a debtor, when I have not owned the home in approximately 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
My loan was 33 days past due and I was threatened. I have the saved voice mails as examples.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
My car loan was funded by Gateway One Lending. They sent me a welcome letter, saying my statement is on the way. But they never sent me a statement. I called 2 times for a copy and none arrived so I paid over the phone. Then after several calls to gain online access, their page says there is no statement available for the XXXX XXXX due date. No one has given me a clear answer on where my statement is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: Valentine and Kebartas, Inc.
State: CA

Complaint narrative:
Repeated robocalls from various numbers asking for XXXX XXXX. I 've spoken with live operators to notify that the person they 're calling is not at this number and have asked my number to be removed several times, but I still receive these calls. They claim they are debt collectors calling on behalf of XXXX 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 2015-04-29 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I 've just chosen the largest umbrella issue that I could find, but there are significantly larger issues. Since I 've submitted written inquiries on the web site ( with no replies ) and called multiple on the recorded line, there should be proof of what I 've received. The letter clearly states that I have 30 days for the dispute, yet I was nearly threatened by the rep that unless I pay the bill tomorrow by XXXX, this will stay on my report forever. During every single phone call I 've made, as soon as I 'd state my name, I 'd be transferred, transferred and then transferred again and this game would go for the minimum of XXXX minutes. After finally reaching the rep, I was told a large amount of information with little to none backing and when I requested it, I was told that it 's coming eventually, but that I have no choice and that even if I offer proof, it will not do anything unless I pay the next day until XXXX and otherwise it stays on my consumer record forever. Furthermore, after googling the firm and trying to find more information, I 've found multiple other occurrences with this firm and mistreatment and abuses especially since all the employes never disclose their full name for the recorded line. Some information can be found here : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GFS, Inc.
State: MO

Complaint narrative:
I even have on my greeting that if it is a solicitation to remove me from whatever list, yet I continue to get a call from them AT LEAST once a day, sometimes several times per day. They never leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: CA

Complaint narrative:
Enhanced recovery collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alpha Recovery Corp
State: OR

Complaint narrative:
Good Afternoon, I am filing a complaint on Alpha Recover Corp for contacting me illegally pertaining to my siblings debt. They called me this afternoon, at work, telling me that it would be in my siblings best interest if I provided them information of where my sibling was. They have been contacting my sibling so they already had my siblings information. I then asked followup questions and they provided me their companies name ( https : //www.alpharecoverycorp.com/ ). It 's clear from their website that they are a debt collection agency. 

My main complaint is a concern of how they received my personal cell phone number. It is unclear how they got it and I 'm deeply concerned of how they are obtaining other family members information. I confirmed with my parents that they were also called. So they are working down some sort of a list that they did not get permission to have from the actual individual being contacted. 

Debt collectors have legal requirements to meet and after reviewing I believe that this company is acting outside of those bounds.

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 non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ERC
State: NC

Complaint narrative:
Erc contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off XXXX credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ERC
State: NY

Complaint narrative:
Enhanced recovery systems called my job XXXX weeks ago, they were notified that personal phone calls are not permitted by our company, a week later, XXXX more calls at work from the same company happened after they were told to not call me at work

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 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: ERC
State: IL

Complaint narrative:
This formal complaint concerning and XXXX their business practices.ERC is reporting a debt is not mine This bureau continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like your help on getting EXPERIAN to do what they are required to due in a matter of Identity Theft. EXPERIAN has been ignoring my notice of fraud on XXXX student loan accounts even though I sent them documentation of the court case and successful prosecution against the person who committed fraud against me and the XXXX and XXXX student loan companies. 

Not only did I not sign any loan agreements, or have knowledge that my name was put on the loan documents but the prosecutor also got a hold harmless document included to protect me in regards to this matter. 

I want these accounts removed from reporting on my credit report and a block placed on these accounts. 

Attached are copies of the court papers with sentence, the hold harmless ( specifically pages XXXX through XXXX ), XXXX of a number of letters sent to EXPERIAN disputing the Identity theft XXXX pages of the EXPERIAN credit report The latest refusal by EXPERIAN to block the identity theft and their decision to ignore me and the facts. 
Total of XXXX pages Note : part XXXX of docs are pages out of sequence but numbered ...

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