vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Mid-Atlantic Consumer Services
State: CA

Complaint narrative:
This company has called me over 20 times leaving messages that my social security is linked to an account and all my employers will be notified and will collect from them. I filed bankruptcy 2 years ago. The women stated my old account and I told her it was wrong. immediately she snapped back and said " what 's wrong ''. I asked the year of the account and she was rude and interrupting me. and said well I have your social security number so good luck to you. I called back to speak to a manager and the same women immediately picked up and said " you ai n't wasting anybody 's time ''. I called back from a different number to get a manager and a male picked up. I tried to probe for information so I asked for a mailing address to make a payment. He asked for my phone number, I told him that my phone number was n't linked to that account. he then asked for my SS and I told him I 'd rather not give it over the phone. I asked him to search me by name. he found my " account '' and I asked him what year it was from. All of the sudden the phone and the systems were down. I told him that I filed for bankruptcy and that they needed to stop calling. He said " you were lying then! '' you know what bye.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Use the western union services fairly often for small transfer. Cancelled a transfer ( {$260.00} plus {$6.00} fee ) within five minutes or less on XXXX XXXX, 2015. Was told money would be credited back to my XXXX XXXX within 5 days. On XXXX XXXX called regarding credit to XXXX and when they said nothing had been credited I called WU. They told me it was still being processed. XXXX told me best to file disputed. On XXXX XXXX called WU again because I was no longer able to wire transfer online but given message to go to agent. Since I live XXXX miles from nearest agent and probably sent XXXX previous online transfer that is totally unacceptable. Called yesterday and they said everything would be taken care of immediately and no reason I could n't use online services. 
Tried again to go online and WU has poor timing in sending me a customer survey. 
Here is what I summarized ; Called regarding my refund status on cancelled transfer from28 days ago. Was told it would be refunded that same day yesterday but XXXX has not received any notice. In addition I asked why I could not send online transfer anymore and yd to go to agent. They said there is no problem but 24 hours later XXXX XXXX has received nothing and I am still unable to do wire transfers. Seems like retaliation for my complaint. 

Thanks, XXXXSent from my iPhoneSent from my iPhone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Back in XXXX 2009, I took out a personal loan with XXXX ( now OneMain Financial ). The term was for 84 months, and while I knew the interest was high ( 29.49 % is insane ), I assumed that the payment schedule that I was given would work to a XXXX balance at the end of the 84 months, at least that was how it was explained to me when I signed the papers. The initial amount was for {$7700.00}, and at the completion of the term, OneMain expects the remaining balance of XXXX, now. XXXX on time payments, with XXXX deferments, of monthly payments of XXXX, I have paid a total of {$16000.00} dollars towards my account, more than double the initial loan. OneMain is predatory and outright extortion. There were several months where as little as {$2.00} or less were applied to the principal. I had no idea that in order to actually pay my loan off I needed to put down triple my monthly payment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
I have a loan through First Merit Bank. It is a 15 year loan and I am currently XXXX years ahead of schedule as far as paying this loan off. I made double paymentsfor about the first XXXX years of the loan. Well I ran into some financial issues as wellas some health issues and to say the least money has been tight. Well I made fewpayments late and First Merit Bank reported me to the Credit Bureau, which I know, all banks do this, but I believe this is wrong on so many levels. First off, I am wayahead of schedule, so I do n't know how you can say it is late? Has First merit notused my money that I have already paid back on other investments to further theirbusiness interests? Had I not paid ahead, they would n't have nearly half the moneyfrom me that they do now, but somehow, they are warning other creditors that Imay be a credit risk? This should be against the rules period. I am tired of watchingBanks make money at every turn, and then in return, take advantage of the verypeople who pay them for their services. This is wrong and I really feel liketheir should be rules against reporting people who are truthfully way ahead onloans. I have discussed this with First Merit and the only answer they will give me isthat 's just how it works, sorry. So this is what happened, I hope someone can helpme or at least point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Consumer States Recovery in XXXX Ks. send a letter I receive on XXXX XXXX regarding a debt they said I owed to XXXX XXXX XXXX XXXX Ks. of {$100.00}. Prior to this date I never received any billing from XXXX XXXX so I was surprised and angry as my credit rating is perfect. I called the agency and they failed to return the call. On XXXX XXXX I received a refund of {$22.00} from XXXX XXXX-the same company requesting the debt collectors to pursue?. I called XXXX XXXX and the check was an over pay so they refunded it. I was even more confused as they refunded money I didnt pay and sent collection on a debt I never owed. 
I spoke with billing at XXXX and they have no record of sending a bill collection request to the Central States Recovery. 
I called the CSR and they said they would put my case on hold. I told them XXXX XXXX has no record so I would like your record of this debt request. 
On XXXX XXXX I called CSR again and asked to either they send me a letter proving XXXX XXXX sent the request of debt collection against me or they send me a letter reflecting it was a mistake and remove it from my credit record. They said they will call me back. I said thats fine but I still want it in writing. 
XXXX XXXX no letter from CSR has been received and so I confirmed again with XXXX XXXX they did not send CSR a collection request. 
I have the billing info from XXXX XXXX, the csr letter and the refund check from XXXX. I would like CSR to be investigated as I have never not paid a bill and have a good credit rating.

Company response to consumer: Closed
Consumer complaint received 2017-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
The BANK HAD SOMEONE TO TAKE MY CAR WITHOUT ME KNOWING THAT I WAS UP ARE IN LINE FOR A REPO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Sortis Financial, Inc.
State: NC

Complaint narrative:
I fell behind on my mortgage payments shortly after my husband died XX/XX/XXXX. Since then, I have filed XXXX Chapter XXXX bankruptcy cases in order to keep my home. 
Shortly after the filing of my XXXX bankruptcy case, I ( through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted a loan modification application to ClearSpring on or about XX/XX/XXXX. 
On or about XX/XX/XXXX, a representative from ClearSpring gave told my attorney over the phone that I had been approved for a loan modification. This loan modification would have allowed me to stay in my home and complete my bankruptcy case without paying so much money on the payments that I 've missed. 
My attorney and I began corresponding ( phone and email ) with ClearSpring over the terms and conditions of the loan modification plan. However, after a short period of time, the person from ClearSpring stopped communicating with us. 
I never received anything in writing from ClearSpring regarding the original loan modification plan nor have I received a written explanation of why ClearSpring decided to withdraw their proposal. 
Also, during the period of time that I was in my third bankruptcy case, ClearSpring did not pay my real estate property taxes for XX/XX/XXXX and XX/XX/XXXX ( even though they were collecting {$110.00} per month from me to be used for property taxes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Best Services Company, a contracted collection agent for XXXX XXXX XXXX XXXX, agreed to delete my account upon full payment on XX/XX/XXXX. The account has not been updated since XX/XX/XXXX. The account has not been deleted nor updated. BSC claims they do not delete accounts once they have been paid. I informed them I only paid it upon the condition that a deletion occur for all XXXX reporting agencies. I have not received a paid in full notice, the account is still showing as derogatory. I paid my debt and BSC should delete the account as they agreed to do. This derogatory collection debt which has been paid is severely affecting my credit. I am trying to repair it and BSC is causing me unnecessary harm. They received their payment. They can not continue to punish me in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: OK

Complaint narrative:
I co-signed a one year apartment lease for my son for an apartment in XXXX XXXX, OK. The lease was from XXXX XXXX to XXXX XXXX. He renewed and signed a new lease that was not co-signed by me. He changed his mind about the renewal but was told it was too late. This resulted in him still moving out at the end of his XXXX lease which caused him to break the new lease. He is being charged {$860.00} for breaking the lease, clean up, etc. 

The account was turned over to collections and also named me as a responsible party. I spoke to the collection agency informing them that I did not sign a new lease and I was not responsible. They have continued to pursue collection activity and most recently reported this on my credit reports. I have contacted XXXX XXXX XXXX law firm who reviewed the documentation and sent the collection agency a letter on my behalf. The collection agency continues to insist that I owe the debt, which I do not and they have not produced a copy of a renewal lease signed by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
While working in XXXX several years ago I stayed at an apartment complex called " XXXX ''. After fulfilling my lease obligations, I moved back to my home in XXXX were my family stayed during this two year long work assignment. I paid my last lease payment in full, professionally cleaned the apartment and did not think anything else was owed. A month later I went to the apartment complex and turned in my gate pass which I accidentally took with me and took to the day manager, we were friends. At that time there was no information shared on any money owed from my lease and I did n't expect there would be any. I received regular email correspondence from the XXXX complex about social activities and nothing about money owed. Over a year later I started getting collection attempts from National Credits Systems over {$210.00} owed from XXXX XXXX. I called XXXX to find out what was going on but apparently the apartment complex was sold to XXXX XXXX in XXXX and while they had a statement showing {$210.00} was never paid, nobody could answer what some of the charges were far. Nobody was able to help me since they sent the balance due to National Credit Systems. At one point when I was speaking with the collection agency, I identified some items that I may have paid if had known about it but other charges were still not identifiable. I told NCS that I would agree to pay this amount if they would remove the negative remark from my credit score but the agent said she could not. Known of this was my fault yet my credit is penalized for a mistake that the apartment complex made and then correcting this is impossible because it was sold to a residential management business. A consumer should never have to pay for something that they do not owe and to be penalized for this {$210.00} does more to protect business than protect consumers. The burden of proof that all attempts to contact the consumer who is alleged to have not paid for something owed should be on the business. I was not called nor did I get any communication on the amount owed in my email account. I did not leave a forwarding address because I did not want " junk '' mail to follow me home. Too much already. How do I get National Credit Systems to remove this record from my account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
A review of my credit report shows an erroneous charge by XXXX of {$2300.00} ; for what I do not know. In 2011, I departed my rental unit with all rents paid. Now they seek an enormous sum of money for services I did not incur. They violate the Fair Debt Collection Act and the Consumer Protection Law. Their erroneous credit reporting has severely impacted my ability to live a normal life ; such as rent an apartment or purchase a car.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Man-Data Inc.
State: OR

Complaint narrative:
I made payment arrangements XXXX week ago with pacific coast credit for XXXX a month on the XXXX of each month. I called today to make the payment early. They informed me that they could only accept XXXX $ a month and not the XXXX we had already agreed on. They refused to take my money and said they are going to take legal action against me if I didnt make the XXXX $ payment. I have never recieved a bill from these people. I have never recieved a call. I called them to settle the debt off my credit report that said the bill was XXXX $ but they added more saying it was XXXX {$.00} This is from 2009 mind you. Im in contact with a lawyer now because they have refused to accept the payment we already agreed upon. They already accepted a payment from me of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX - I noticed a bankruptcy showing on my Experian credit report. Experian is the only credit bureau showing this bankruptcy. I sent a letter to Experian requesting an investigation about the bankruptcy. Experian does not respond. 
On XX/XX/XXXX - I send a XXXX letter request an investigation and I do not receive a response XX/XX/XXXX - Experian sends a response saying that this item remains unchanged. At this point I am frustrated and do not know what to do so I write the United States Bankruptcy Court. 
XX/XX/XXXX - The U.S. Bankruptcy Court responds that they clearly do NOT furnish information to the credit bureaus NOR public record vendors NOR verify information with them. 
XX/XX/XXXX - I file a Consumer Financial Protection Bureau complaint to obtain bankruptcy details and find out the method of verification of this incorrect bankruptcy. 
Experian responds only with that they verified the bankruptcy, AGAIN withholding details I specifically asked for AND withholding the method of verification only vaguely stating that they used a vendor. Experian refuses to inform me WHO this vendor is and WHERE this vendor is getting this information from. Is Experian exempt from the Fair Credit Reporting Act? Is the Consumer Financial Protection Bureau useless? 
XX/XX/XXXX I again write to Experian and ask for details about this bankruptcy and ask for the METHOD of VERIFICATION. 
XX/XX/XXXX Experian sends me a canned response only stating that they refuse to further investigate. WITHOUT including the bankruptcy details of my request NOR including the vendor name/address/contact info I requested per my rights according to the Fair Credit Reporting Act. 

Again I have 2 main questions for you:1 ) Is Experian exempt from the Fair Credit Reporting Act? 
2 ) Is the Consumer Financial Protection Bureau useless? 


Experian 's mistake has been preventing me from purchasing a home and drastically affecting my credit rating. 
Then the United States Bankruptcy Court confirms to me that they do not communicate with credit bureaus NOR with any public record vendors. This should be removed from my report and should never have been reporting in the XXXX place. An updated copy of my credit report needs to be sent to me showing this has been removed as well. OR Experian should provide me with the bankruptcy details I am asking for AND for the vendor contact information which they are obtaining this information from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
the lender was very good at giving the loan out at making 135 % interest! but when I tried paying off the loan early ( there was no prepayment penalty stated XXXX the kept giving me the run around about pending payments and wanted me to overpay the balance on the loan! RIP OFF COMPANY TAKING ADVANTAGE OF PEOPLE IN NEED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I requested the information I needed for an dispute. Representative said she would send information but didnt and now I have a letter stating it is going on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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: MI

Complaint narrative:
I attended court after being subpeoned for a break of a lease by my roommate while i lived there and was forced to move out. The owners of XXXX XXXX XXXX in XXXX XXXX, MI did not attend court. They did not attend court because they dropped all charges XXXX There was no judgement possession made because the possession of the apartment was immediately returned to the owners. They also leased the same apartment within a week of moving out. We ( XXXX XXXX ) and I immediately moved out of the apartment with in a week of XXXX breaking the lease. I have been informed that this should not be on my credit and that I do not have to pay any of the rent from the lease being broke back to the owners. I also know that the property has been sold a couple times so the original owners do not own the property anymore. I have been trying to resolve this with XXXX who represents National Credit Systems. He has been rude and uncooperative, demanding and bullying that I owe this money and pay it immediately. He refuses to discuss that I have been to court for this and the case and charges were dropped and closed. I am trying to obtain housing for me and my son and unable to do so because this is on my credit and been unable to get this removed after a couple of attempts of disputing it. it just got renewed to be on my credit even longer.

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 2016-08-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: UT

Complaint narrative:
I applied for a installment loan through spring leaf financial website. I received XXXX phone calls after I completed the application which I was unable to answer as I was at work. I called the next morning, and after an hour on the phone I had to get off and go to work and nothing was resolved it took that long to find my application which had me concerned. I called back on my lunch break and spoke to a representative that stated she would assist me in finishing my application. I went through all the questions, income, finances, assets etc, she then transferred me to XXXX to complete the application. He completed the application and said that he would be emailing me documents and I need to send in my check stub and my XXXX to verify my stated income which I though was odd as I am only applying for XXXX and I already had a previous loan with them on XXXX which I paid off. I explained this to XXXX to which he stated they still need the information and will have an answer once I submit these documents as to if my loan is approved or not. I though this was odd because when I submitted the application at the end on their website it said I was approved for a {$2000.00}. XXXX assured me he was emailing me the documents and to send them in asap. I still have not received the email and I am unable to reach spring leaf

Company response to consumer: Closed with explanation