vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National credit systems never informed me of my right to dispute my debt. I found out I had a collection against me by recently pulling my credit. Our initial contact was XX/XX/2015. I have 30 days to dispute after our initial contact. I sent them certified mail which was signed by XXXX XXXX stating I need validation that they are liscensed to collect a debt in alabama, proof that they own the debt and the debt is mine .They then sent me a letter dated XX/XX/XXXX that only stated I owe XXXX sent by XXXX XXXX. The letter did not break down what I was being charged for nor did they include the original creditors address not did they proof they own the debt. I called them thursday XX/XX/XXXX and spoke with XXXX XXXX to let them know this is not proper form of validation. They then sent me another letter stating I now owe them {$2200.00}. This is false representation of a debt which violates the FDCPA. Attached with the letter was a copy of a lease. On the first page of the lease was a move in/ move out check out list THAT DID NOT HAVE MY SIGNATURE, it was signed by another person. I am being charge for damages to a property when my signature was not even on the move in or check out list.There were XXXX signatures on the last page of the lease that does not look like my signature. I never agreed to these charges. This is not my debt and they are breaking the law by falsely representing a debt as well as deformation of character.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation
State: ME

Complaint narrative:
This account was previously removed from my credit reporting files, over two years ago. I was never notified in regards to this account being reinserted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACCESS GROUP INC.
State: NM

Complaint narrative:
So I disputed an account on my credit report and it was returned as the address not being good. I sent it to the address on my credit report and it was returned to sender. This means the account is not verifiable and a violation of the FCRA.

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 2017-02-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The Best Service Co. is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
About 12 years ago we took out a loan with XXXX, they sold it to Springleaf. We went to XXXX to get a loan to pay them off as they were charging us over 23 % interest daily, and so we hopefully were going to have that loan paid off. We paid off the balance due, however, they sold the loan to OneMain who sent us another bill sating we owed further funds and that they charge 23.23 % interest daily. if that is the case then we would almost never be able to pay off this loan. I believe that this is wrong and that they should cease and desist their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
Purchased a XXXX XXXX in XXXX of 2012, I had n't had the vehicle 6 months and the motor went out in the vehicle. I contacted my finance company to advise them of what had transpired and due to the fact of not having the vehicle long. What where my options for the remaining balance on the loan I had taken out. I spoke with multiple representatives and finally was advised to get an estimate on the motor. They wanted to see if the cost of the motor exceeded the value of the vehicle. I obliged, visit a mechanic and was advised by then the motor would be worth more than the vehicle, due to the fact the vehicle was XXXX XXXX XXXX. I submitted all proper documentation to United Auto. I then began getting the run around for about 60 days. Every time I made contact with the representative I was dealing with, he would state call back tomorrow he would have an answer. Then it turned into he 's not in the office, I would be transferred to someone else they stated he was the only person I could speak with. Finally they advised the representative no longer was in that department and they could do nothing for me. I would have to come up with the full balance or they would deem it as a repo, and place it on my credit. I then inquired could I pay a smaller portion to avoid it being placed on my credit, they stated I would have to give them XXXX and it would n't be placed on my credit. Mind you at this point, I 'm out of a vehicle, it 's now past XXXX and I had purchased another vehicle within that time frame. I stated this was n't right could this matter be escalated? They stated no, my father intervened and they gave him the run around as well. By this time they had already filed a repo and placed it on my credit. This

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
They continue to call my job phone at least 12 times a day. They call the front desk of my job asking to be transferred to me. I have asked them not call my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Sortis Financial, Inc.
State: AL

Complaint narrative:
In XXXX I was behind on my mortgage for a second home. It had been my primary residence, but I was down sized XXXX XXXX and the housing bubble burst. I could not sell my home nor get dependable renters into the home, so I was paying XXXX mortgages, I had a second on that home. I moved back to XXXX, AL. Trying to be responsible toward my creditors I called them all and advised of my situation. I settled with XXXX XXXX XXXX and serveral other companies willing to work with me from my severance package. XXXX, the mortgage servicers of XXXX XXXX gave me a XXXX 's XXXX XXXX, which I thought was being provided by them as payments were set up to be directly withdrawn from my account at {$42.00} plus change. This process worked out fine. I did not think about it again. Until XXXX XXXX when I was looking to refinace this property and discovered that a collection was on my report. I immediately called the company. XXXX/XXXX/XXXX I received a letter from ClearSprings acknowledging receipt of my correspondence, saying they would have to research the information. At this time the Company was ClearSprings. I wrote many letters asking for documentation of this debt as I had no recall of it. I found out that XXXX had sold the loan to ClearSpring in XXXX. Ultimately ClearSpring sold it to XXXX XXXX XXXX Bank. I settled with Cenlar.for {$1500.00} on an original loan amount of {$5200.00}. However, I received a letter from ClearSprings, RE : SETTLED IN FULL. ClearSpring File # : XXXX. This interaction was very deceptive. Payment posted XXXX/XXXX/XXXX. Debt Settled. Zero dollars owed. 
Firstly, I was lead to believe by the XXXX representative that this loan was through them and not a third party.Secondly, I was never advised in any manner that the loan had been sold. I was under the impression that when I asked for assistance this is what they were giving me. Thirdly, The paperwork indicates I settled with ClearSprings, so XXXX should not be reporting to my credit accounts. Fourthly, the information should be reported as my record indicates.Paid in full, zero balance owed.

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 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SUN FINANCE COMPANY, LLC
State: LA

Complaint narrative:
The company holding my debt served my father, at an address that I did not live at. I was unaware of the lawsuit and failed to attend the hearing. I was assessed an additional 25 %. I tried to talk to the company, but was told that my time to contest the lawsuit had passed ( even though I was never informed of the lawsuit ). 

I have been paying monthly ever since I was notified of the judgment, and do not get any kind of statement. Nothing that shows how much I paid that month, nothing that shows how my payment is applied, nothing that shows how much I still owe, and nothing that shows how much interest they are assessing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-08 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: LJ Ross Associates
State: TN

Complaint narrative:
On XXXX XXXX 2017 I was contacted by Lj Ross And Associates about a debt for {$620.00}, that was previously closed by XXXX via a prior CFPB complaint. ( See Case number : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Brookshaw Management, LLC
State: VA

Complaint narrative:
Calling family members threatening legal action and showing up at my house

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
Collection Agency refused to remove debt from credt file after amount that was reported was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit file that do not belong to me.

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 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
SOME XXXX XXXX SPELLED MY NAME FROM XXXX TO XXXX I NEED TO GET THAT REMOVED I BELIEVE IT WAS JUST A MISS SPELLING OF MY LAST NAME THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was recently in the market for apartments. i scheduled a showing with a local real estate agent for a local home that was for rent. the agent stated that i would need to fill out a form prior to the showing. i asked the agent if this information would be used to pull my credit report. the agent " XXXX XXXX '' assured me that the information would not be used to pull my credit or affect my credit in anyway and that the form was purely for internal agency metrics. under this guise i filled out the form. in the last week i have been trying to obtain a vehicle loan because my current car was totaled in a accident and i am currently without a car. various banks and loan companies are unable to offer me a reasonable interest rate for a vehicle loan due to the unauthorized " hard inquiry '' placed on my credit report by XXXX XXXX. the way the inquiry is coded on my report makes it appear as if i was seeking credit to any prospective lenders. this inquiry was unauthorized by me and XXXX XXXX had no " permissible purpose '' to place a hard inquiry on my report. I have attempted to dispute this inquiry with XXXX XXXX to no avail via e-mail social media and US Certified Mail. additionally i have opened a dispute with TransUnion and they replied that the real estate agency had " Permissible Purpose '' to pull my report despite me never consenting to any kind of credit pull let alone authorizing a " hard inquiry '' on my file. this fraudulent inquiry is affecting my ability to obtain reasonable financing. I have been harmed as a consumer as a result of this and the agent and TransUnion are in violation of the FCRA. the CFPBs assistance is requested in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I purchased a vehicle in XXXX XXXX with GM Financial ( Ally subsidiary ) and was charged an exorbitant interest rate! I just learned about a DOJ settlement requiring Ally to reimburse minority customers who were charged unfair rates for purchases from XXXX XXXX - XXXX, and I fall under this category. However, I was NEVER notified of this DOJ lawsuit/settlement agreement & am now being told " too bad - you missed the deadline! ". Ally is NOT notifying all affected consumers & I believe it 's to reduce their payout loss ratio!

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 2015-06-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit report of 6/17/2015 from TransUnion shows that a credit inquiry was made regarding some home furnishings on XX/XX/XXXX. I never attempted to purchase any such furnishings. The XXXX is listed as SECURITY AGE. The address listed is XXXX XXXX XXXX, XXXX, AZ XXXX. I determined that to be a residential address. I filed a fraud alert with TransUnion. I 'd like to see the perpetrator prosecuted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is mis reporting the date of last activity to Trans Union for my old LOC. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX ) however, on Trans Union it is reporting XX/XX/XXXX.

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 2015-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Im a XXXX struggling student that is trying to fix and rebuild my credit report. XXXX XXXX has an old closed account from over 7 years ago that has been closed XXXX XXXX, 2008 that should be taken off my credit report like most of my credit cards that are over 7 years old. Can you please have the courtesy of resolving this problem by removing this off my credit report or I will be contacting my lawyer and filing a lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union has re-inserted information in my credit report that is not valid or false in regards to a car loan with XXXX and XXXX. They have incorrectly reported that I have missed several payments with XXXX and they continue to report information in regards to XXXX that is inaccurate.

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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Called XXXX XXXX numerous times regarding incorrect reporting on credit reports. On XXXX XXXX 2016 XXXX XXXX accepted a payment proposal and enrolled my account in the XXXX XXXX agreeing to lower my interest rate, wave any past due, over-limit, and membership fees. My account was reported 30 days past due for XXXX 2016 and XXXX 2016. This is inaccurate. I called in XXXX to ensure that this issue was corrected. XXXX XXXX stated that it took XXXX billing cycles to correct the issue of not properly enrolling me in the program as agreed in addition to honoring the proposal that they agreed to in writing dated XXXX XXXX 2016. XXXX XXXX accepted proposals on both of my active credit cards with this company. The second credit card ending in XXXX did not have any issues however, the card ending in XXXX has been an issue that XXXX XXXX unfairly refuses to correct. For years I have been a customer paying my accounts and maintaining a good credit standing. XXXX XXXX XXXX company has made timely payments on behalf since XXXX XXXX agreed to the proposal. I have made additional payments on this account in addition to the monthly reoccurring payment. On XXXX XXXX 2016, approx. XXXX XXXX, I called XXXX XXXX and spoke with a representative by the name of XXXX. XXXX informed me that my account ending in XXXX was still showing pending of enrollment into the Workout program due to reoccurring system issues. She stated that someone should have informed me that I was to make double payments, payments submitted by XXXX XXXX XXXX Company and additional payments on my own to satisfy full payments until the system issue corrects itself. This did not make any sense to me. I would like to reiterate, XXXX XXXX accepted XXXX proposals for XXXX of my credit cards. The credit card proposal for account ending in XXXX was accepted and approved on XXXX XXXX 2016, this is the inaccurate account and the account that XXXX XXXX can not seem to correct. On XXXX XXXX 2016, my credit card ending in XXXX was accepted and approved with no issues. XXXX enrolled my account ending in XXXX into a XXXX Program to help suppress the late fees that XXXX XXXX placed on my account. XXXX state that I would need to write a letter to XXXX XXXX requesting removal of the 30 day late notices, XXXX in XXXX 2016 and XXXX in XXXX 2016 from the XXXX major credit bureaus. I wrote a letter dated XXXX XXXX 2016 to XXXX XXXX with this request. In a letter dated XXXX XXXX 2016 XXXX XXXX refused to correct my credit status. The letter states " we are unable to change our reporting on a courtesy basis. Also, we have placed a disagreement code with a resolution of dispute on your credit file to the major credit reporting agencies. '

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