vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle.

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 2015-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a certified letter to transunion disputing inaccurate information in regards to a public record. I have filed chapter XXXX and it has been discharged. I sent copies of the court information proving that the public record item for XXXX XXXX was included in the discharged bankruptcy. I get back a credit report showing the amount owed of XXXX. It is to my understanding under the FCRA rule no amount should be showing. I also disputed this online. I am filing a complaint for them refusing to fix this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

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 2016-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
American Credit Acceptance ( A.C.A. ) is lying that I owe them {$1000.00}. XXXX XXXX, 2012 I was in a car accident and my vehicle became a total lost. A.C.A. told my insurance companies that I owed {$9700.00}. XXXX paid {$8300.00} ; XXXX paid {$1000.00} ; and XXXX paid {$550.00} for a total of {$9900.00}. They were overpaid by {$240.00} and they never gave me my refund. I had GAP insurance by XXXX, and XXXX refunded the GAP and extended warranty. A.C.A. cant change my balance once they tell my insurance company a balance and cashes the checks. By cashing the checks, they are argeeing that the letter attached to the check is correct amount owed. XXXX had a breakdown of all parties payments except XXXX extended warranty refund for {$240.00} which should have been returned to me, not 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 2015-12-13 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: Solomon and Solomon, P.C.
State: DE

Complaint narrative:
my credit report has me down for a charge off and late payments to XXXX/XXXX company. it is not my account. it is not an address that i have ever lived at. i want all aspects of this matter purged from all of my credit histories and i want letters of apology that can be presented to any future creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16 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: NorthStar Technologies
State: TX

Complaint narrative:
I submited a Verification of Debt letter to all parties, XXXX and Equinox ( The Collection Agency ) that I do not owe XXXX or Equinox an alleged debt of {$9300.00} being reported ascac Charge Off Collection of a house that I legally and properly evacuated. In addition, I gave the XXXX XXXX XXXX a XXXX evacuation notice. 
The property management and I had worked out a payment schedule for the last month of rent that I owed, to be paid in {$100.00} installments until the debt was paid off. 
On the second month of me sending my payment, the XXXX returned by payment, unopened and send me strait to collections. 
I still have the original returned envelope and the money order ( See attached ) The Collection agency increased my debt from {$1400.00} to {$9300.00} and refuses to listen to me and take the collection of my credit report. 

Please help me. These companies have ruined my life! 

Thanks, 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 2015-08-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I OVERPAID THE LOAN, which was a ZERO INTEREST LOAN, as long as I made the 6 payments plus a balloon payment at the end. I did that. 

SpringLeaf a month later refunded the over payment. Then they began sending me letters because I was such a good customer. Then two years later they claimed I owed them some monthly payments. They are ruining my credit. I believe the underlying merchant asked them to lie about my payments so they do not have to perform warranty work. 

I would like you to investigate them. I sent them a nice letter asking for a history of all payments and they have ignored my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Genesis Credit Management, LLC
State: TX

Complaint narrative:
I filed a previous complaint on the company four months ago. In their response they said they would send validation and they STILL HAVE NOT SENT ME ANYTHING REGARDING THIS ERRONEOUS ACCOUNT. This is absolutely ridiculous! This company has violated Finance Code Chapter 392 Section 392.201. The law says that they must send all files concerning that consumer no later than the 45th day. I originally disputed this account in XXXX and never received anything. Validation will not do at this point and time. THIER TIME TO INVESTIGATE AND REPORT TO THE CONSUMER IS UP!!! I will be filing a complaint with the FTCXXXX and the XXXX today!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 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: TX

Complaint narrative:
A request has been made to a collection agency National Credit Systems to validate a item listed on my personal credit file. Nothing has been received to validate this. Request help from your agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX in turn sent this unverified account to a National credit Systems , Inc and which they have not provided me any Contract or Lease to verify that I owe to XXXX credit Bureaus XXXX. There is n't any proof of what there claiming

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: MA

Complaint narrative:
i took out a loan for XXXX dollars and was charged an interest rate of 135 % which is not legal i have been over paying for years XXXX traded their company to cash call and about two months ago i saw that they stopped taking the money from me and did the research and saw i was owed my money back i 'm not looking for any lawsuits if i am payed my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: FL

Complaint narrative:
Mailed in mortgage payment, XX/XX/XXXX to Nationwide Advantage Company and mortgage company received payment on time. Tracking number shows the monies were delivered on time in their office they contacted me on XX/XX/2016, that payment was not posted. I provided them with the tracking number for the payment. I was told to call back in two days to see if the payment has posted. I comply with the request called back they still had not located payment. I then offered to stop payment on the check according to XXXX the representative I was speaking with I should not do that because when they do find it they will put it through and this will cost me more. I faxed and mailed a letter out to the corporate office stating the problem and that they needed to fix it. Locate my payment and stop will negative reporting she then informed me that I needed to make another payment over the phone to bring my account current. I refuse to do so and again informed XXXX. XXXX that they needed to find my payment. The resolution for this problem : Nationwide to go back an remove all they negative reports of my being late because I was not, and to remove the late fees they billed me for because I was not late. And list my account as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I moved out of XXXX XXXX XX/XX/2012. I moved into my new home XX/XX/2012 and I was ordered by court to pay backrent at XXXX in the amount of {$1300.00}. ( see attached court document from my credit report ) My debt was sold by XXXX or XXXX XXXX to National Credit Systems ( as it appears on my credit report ) or XXXX XXXX XXXX at a new amount of {$2500.00}. ( see attached document from XXXX XXXX ). I 've contacted National Credit Systems and XXXX XXXX over 20 times trying to get in contact with the original owner of this debt to find out how this debt increased. XXXX and XXXX claimed they could not make contact with their client and I do n't believe they ever did. I asked for the client 's name and address ( as XXXX XXXX no longer owns XXXX ) and after months, XXXX XXXX could not provide this information. The only information XXXX XXXX could provide was the attached documents. I also requested that documentation be sent to me showing how the amount increased from {$1300.00} to {$2500.00} but they could not prove that either. They can not tell me the months being charged or the interest rate. I know that I moved from the property and can provide documentation of the new address and the time that I moved to the new location. These companies have placed an illegal debt amount on my credit creport and need to remove it instantly. Again, XXXX charged me a bogus amount of back rent after I settled with them in court and vacated the property. The " supported '' document provided by XXXX XXXX shows a letter sent to the apartment or some location that I never received since I had already settled in court and relocated. XXXX XXXX has thretened me with a law suit for this matter and has not offered a settlement amount, nor provided the name of the client that owns this debt. I do not owe this debt amount and none of the parties can prove " how '' I do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I had a 1 year lease for a duplex with a management company ( XXXX XXXX ) in XXXX XXXX TX. Management failed to address various maintenance issues, some of which posed a health risk for my sister who has severe reactions to certain allergens. I made repeated attempts to contact management by submitting requests through their online portal and by going to their office in person, which seemed to be the only effective way to get in touch with them. 

After months of failing to address our maintenance concerns, it was clear that XXXX XXXX had no intention of upholding their end of the lease, so I went to their office and told one of their epmloyees that I wished to vacate. Management agreed to terminate our lease prematurely, indicating that they would not refund our deposit, to which I agreed. They disabled my online payment portal on XXXX/XXXX/XXXX, so that I could no longer access my service request history or other correspondence I had with the management through their website. I never received any " Past Due '' notifications or other correspondence indicating that my account was thought to be in default. 

This account should have never gone to collections, and if it did it was only because some disgruntled employee at XXXX XXXX must have thought it would be funny. I never received any correspondence regarding a " Past Due '' account from XXXX or National Credit Systems, and I have n't received any other indication that there was an issue with this account until it appeared as a collection on my credit report XX/XX/XXXX. I have an immaculate payment history aside from this collection, not so much as a late payment anywhere on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peterson Enterprises, Inc.
State: ID

Complaint narrative:
My son hurt his knee. There was a {$60.00} deductible that did not get paid. The doctor sent me to collections saying I owed {$200.00}. I was then sued for {$300.00} and could not afford to contest. They got default judgement. I am in the process of being garnished for over {$1100.00}. How can I owed 18 times the original debt? it is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
there was a fraudulent credit inquirey from one main financial. i filed a claim with you and the matter was resolved as fraudulent inquirey and was to be removed. you have the letter from one main financial in their reply to you. it is STILL on my credit report. I need it removed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 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: TX

Complaint narrative:
I contacted National Credit within 30 days via fax and mail I followed up and they confirmed they were still investigating the dispute The verification process had not been concluded nor a payment option offered before reporting to the credit bureau. This agency violated my rights to dispute and resolve the matter prior to reporting to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACCESS GROUP INC.
State: NM

Complaint narrative:
I contacted Access Group back in XXXX XXXX about several negative marks against my credit bureau. Access Group sent me a letter XXXX/XXXX/XXXX explaining the issued was the fault of Access Group and that they would contact all XXXX bureaus and request a good standing/Loan has been paid in full. 

Now we are in the XXXX and I am saving for house, well my broker runs my credit and says that I have a lot of negative marks. So I get in touch with Access Group and I get the run around for a couple of day 's. Well I have received a XXXX letter from Access Group five years later stating the same old thing. This discrepancy is our fault and we will contact the credit bureaus and make sure it is removed. It will take approximately XXXX to be removed. That Letter was dated XXXX/XXXX/XXXX and we are now in the middle of XXXX and the derogatory marks are still on my credit report.

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 2015-08-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACCESS GROUP INC.
State: DC

Complaint narrative:
Hi, Years ago I had financial difficulties arising from unemployment and surgical bills. During that time most of my student loans went into default or deferment. I am now on my feet and have resolved all my old issues. All of my student loans are current, except my private student loans for XXXX XXXX XXXX through Access Group ( held by XXXX. ) These are in collections in the amount of $ 40,000+. I have been paying XXXX every month for years, but the amount is still high and wo n't be paid off for a decade. This leaves me with horrible credit ( It would be almost perfect without these collections as I pay everything on time now that I am working. ) I ca n't get a mortgage for a house and my interest rates are high based on my credit score even though I have perfect credit card payment history. I have been trying to resolve this with both XXXX and Access Group for over a year, but they will not help me rehabilitate or discuss anyway to get this removed from collections besides paying off the amount ( at 50 % charge off discount. ) I would immediately get a personal loan for XXXX to pay it off, but with the collections on my credit report I ca n't even do that. I called the XXXX XXXX department of Access Group again today pleading with them to help me resolve this in some way - I have no issue paying my debt, but having this in collections is affecting every aspect of my life - I almost did n't get the job I have now because of them. I was hoping CFPB may have dealt with this lender/collection agency before on this issues and that there was some way to help debtors in this situation. I realize they are private, but they are servicing student loans, so I would have thought they would be more amenable to people who were trying to do the right thing. Any help or information CFPB provides would be greatly appreciated. I had a complaint about 3 years ago that CFPB helped resolve so I know what a great help your agency can be. Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
The law firm that Cash Call hired to collect their debt is calling me on my cell, my work number. They are leaving VERY DETAILED information on my parents home phone, my sisters phone and my friends phone stating that this is XXXX XXXX from XXXX and this message is for ( My Name ). XXXX ( My Name ), your agreed upon payment of {$170.00} failed to clear your bank and came back as insufficient funds. If we do not hear back from you within 24 hours we will be contacting XXXX XXXX for fraud charges for them to take their action on a state and federal level. Please return my call at XXXX ext XXXX And a XXXX also left this same message with a call back number of XXXX ext XXXX I do not live with these relatives or friends. They should not be leaving these types of messages.

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