vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
I have been the victim of identity theft and it is proven in court and the police that the perpetrators of the acts in the identity-theft are not me. I attempted to apply for a loan through a company called OneMain Financial and they have since told me of a previous loan that their company has been bought out or part of XXXX. I do n't have anything to do with XXXX and because of the identity-theft an account might be showing under my identification but it is not me. Almost a XXXX percent certain that was not my correct first name and I asked to talk to the Department and the person refused to let me talk to them. I 'm complaining because they are breaking the XXXX laws on ID theft. 
Have them remove my correct name and social security number and any other identifying information from their records of that previous account that has been proven to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I applied for a loan with spring lead financial and borrowed XXXX they are including interest to the bureau that shows a balance of XXXX. No other credit company has even reported or included interest to a bureau. It 's not fair. It 's not accurate and it damages u when applying for a loan because the debt to loan income is not accurate which results n a denial from whom ur asking credit for. I have disputed this with bureaus and also they personal they reporting it 's correct well it 's not. I also have a loan with XXXX and few other XXXX they do n't include adding interest to a credit bureau .and the amt they said is correct on bureau do n't even match they automatic recording when u call. It 'd XXXX less than bureau reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems continues to report the same account multiple times to my credit report. This reflects negatively on me even more so than the original claim. They have been doing this ever since they first started reporting. I understand that they report to all XXXX credit agencies, but they are currently reporting twice to XXXX. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Springleaf is reporting that a payment has not been received since XXXX 2016 and are also reporting the wrong balance. Not only have I made timely payments all year, I have made extra payments towards my balance. They are reporting a balance of XXXX however my balance is XXXX. This is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
XXXX/XXXX/2007 a personal loan was taking out with XXXX to help with college tuition.The loan was later taken over by Springleaf Financial, we make payments of {$700.00} per month, we have paid over {$50000.00} on a loan that was {$20000.00}, and we still have an outstanding balance of $ XXXX.Now the bill is showing a late fee of {$250.00} and {$450.00} in interest so nothing is being applied even though i make the payments online and on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Continued to call and try to make contact with debt collector. They continue to take messages and claim the agent is on another call. I contacted them to try to make settlement so i can purchase my house and my time is running.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
The high balance amount on my auto loan has only been deducted by only {$1000.00} in the course of XXXX. My monthly payments are {$260.00} ; strangely enough, my balance has been fluctuating from month to month. I 've requested several times for the American Credit Acceptance to send me information/ documentation of the said balance on the auto loan and how my payments were applied to my auto loan of the course of the full loan. This company has failed to mail documentation after the XXXX of requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
I applied for a payday loan of {$570.00} in XX/XX/XXXX. The first payment was due on XX/XX/XXXX, of {$270.00}. Paynent was successfully paid. I told XXXX, That I would like the payments to be paid on the XX/XX/XXXX or XX/XX/XXXX of each month. She said OK. I contacted her to let her know that I had change my bank account because, someone had taken XXXX from my account. Even so, the bottom line she is saying in order to pay this account off I need to pay on the tenth of XX/XX/XXXX {$420.00}. and that is only a payment. I asked what was the interest she said 0.5 percent interest. The next payment I do not know what she will add on. I needed the money and I feel this is a rip off. Can you help me. In addition I believe the interest is totally wrong. 0.5 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates
State: IA

Complaint narrative:
This phone number XXXX from LJ Ross and Associates continue to call my cell phone and tell me that I owe medical debt in XXXX when I have never been to XXXX in my life. They will not stop calling me!! Its rather frustrating especially when I know I do not owe any hospital debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solomon and Solomon, P.C.
State: WI

Complaint narrative:
Debt is already being collected by another debt collector!

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 2015-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have a car loan with American Credit Acceptance and I keep getting reminder payments for another consumer. I want this to stop as it is against CFPB regulations. I have made phone calls and yes they do call me back during working hours when I can not use my phone. When I return the calls I get voice mail. This is what I get sent to my e-mail at work! 
For another consumer I have received XXXX different e-mails.The XXXX e-mail I received was XXXX/XXXX/15, then on XXXX/XXXX/15 and then again XXXX/XXXX/15:

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Corporation of America
State: TX

Complaint narrative:
We received medical care on XXXX XXXX, XXXX from XXXX of XXXX. After insurance, we were billed for over {$1000.00}. We paid the bill down to {$500.00}, and in XXXX we had enough money to pay the remaining amount and did so. We remitted this amount directly to XXXX on XXXX XXXX, XXXX, paying our account down to XXXX. A week later, the week of XXXX XXXX, we received a phone call informing us that XXXX had sent our account to Financial Corporations of America, a collections agency, for the {$500.00}. We informed them that we had just paid that amount the previous week. Financial Corporations apologized and said that they would confirm with the hospital that nothing more was owed. Then the following week, the week of XXXX XXXX, we received another call from Financial Corporations. We reminded them that we had spoken the previous week and that this debt was no longer owed. They found the note in their system and said that they had not yet received confirmation from the hospital. On XXXX XXXX we received a letter dated XXXX XXXX saying that we still owed {$500.00}. We contacted them and informed them again that we had paid that amount, she replied that they had contacted XXXX and XXXX said that we still owed that amount. She said that we needed to send a copy of our bank statement to the collection agency showing that the amount had cleared. We asked if there was someone at XXXX who needed to be contacted, and she did n't have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: American Coradius International LLC
State: CA

Complaint narrative:
I have XXXX issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I paid the bill off in full. But its still on my credit reports. I have documents that it is paid. Its to choice recovery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: NE

Complaint narrative:
Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company XXXX XXXX 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated XXXX XXXX 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated XXXX XXXX 2015 ) from American Credit Acceptance stating that consumer has until XXXX XXXX, 2015 to send payment of {$1100.00} on an account consumer was denied ( in writing ) and does not owe. Consumer was sent the fraudulent demand letter by US Mail ( certified return receipt ) which constitutes 'mail fraud ' and is indicative of 'extortion ' under South Carolina 's Code of Laws ( Section XXXX ) and Attorney General XXXX XXXX XXXX Office who has requested a formal complaint be filed by consumer along with evidence accompanying the complaint form as these types of fraudulent practices harms the general public. In an administrative process to begin a formal lawsuit against American Credit Acceptance finance company, consumer is documenting this complaint to attach to the complaint consumer is filing with the South Carolina Attorney General 's Office. Consumer will NOT pay American Credit Acceptance anything as consumer will not engage in extortion on ANY level. Consumer wishes to thank CFPB for providing this venue of mediation and documentation as it is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Corporation of America
State: TX

Complaint narrative:
This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received XXXX collection letter from Convergent Outsourcing in reference to XXXX accounts I allegedly owe to XXXX. These accounts were oped fraudulently using my name and personal info. I have advise the credit bureaus and Convergent that this is not mine, Who would open to XXXX accounts on XXXX different address on the same day. Convergent refuses to help with this situation and its hurting my chances of purchasing a property, since its being reported to the credit bureaus as XXXX collections

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I went to XXXX XXXX Hospital ER for a XXXX, XXXX, used my health insurance card. I was looking at my credit score XX/XX/XXXX and come to find out I have a collection agency trying to bill me after 5 years! CMRE Financial Services Inc. I never received a bill and now its messed up my credit.

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 2016-01-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Received a notice of debt collection that went to my old address for medical bills that I never had. The fact that this went to my old address and I have not been to an Emergency Room or had any operations, makes this seem suspicious if not fraudulent. I recently purchased a home and no-where in the loan application did this debt show up. After a quick XXXX search, said company has been accused of shady and fraudulent business practices in the past and the majority of anonymous users instructed readers to take their problems here to potentially resolve the issue, I sincerely hope that it will.

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 2017-03-31 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: Convergent Resources, Inc.
State: MD

Complaint narrative:
Convergant Outsourcing LLC has reported a paid collection in which I did pay to settle the account with them for {$250.00} because I owed XXXX {$280.00} for a closed unpaid phone bill. Which was in XX/XX/XXXX when it was sent to collection for none payment..Convergent Outsourcing LLC has the account listed as opened on XX/XX/XXXX which is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
I switched from XXXX to XXXX back in XXXX 2015 and switched XXXX lines I had with XXXX. XXXX agreed and plan was to pay any early termination fees or cell phone fees owed to XXXX just to transfer to their company. After I changed all XXXX lined to XXXX, the rep told me I needed a bill from XXXX showing all XXXX lines remaining balance owed for each phone. I right away took in the XXXX bill which showed the balance for each line. The rep that assisted me that day denied the bill. He said the bill must also show the phone numbers for all the numbers. The bill only shows the last XXXX numbers I believe. XXXX should know I transferred XXXX lines from XXXX and the bill shows XXXX lines, it 's a no brainer! I left and asked XXXX to print me a bill that displayed the phone numbers next to the balance owed per line. XXXX mailed me a bill that was pretty much miring the last bill. This went on for months, back and forth with XXXX and XXXX. XXXX kept rejecting my bill which they would n't process for payment, which meant I could n't pay the balanced owed on my XXXX account. XXXX would n't print the bill in the format XXXX reps were requesting, even though when I would call they would say they would do it but when the bill came in the mail it was not in that format. I was so tired of the calling game to XXXX trying to get the bill the way the XXXX 's rep was requesting, mind you, XXXX never tried once to submit the bill to see if it would get processed and paid. Then XXXX day I get a letter stating I was sent to collections. I was devastated, upset, in shock, etc ... I have XXXX, and instantly it made my XXXX and I got really ill. I was sick in bed for almost a month, till this day my XXXX but I can work. I have so much XXXX that I get XXXX everyday. It 's just not right! I own a home, so for me/us it 's a big deal because if I/we want to refinance, it will have a big impact due to my credit score dropping due to the negative mark given from XXXX. I trusted XXXX blindly to pay XXXX for the balance of my XXXX phones timely, that 's why I switched with no worries! 
I was treated unfairly and wrongfully by XXXX and XXXX. I strongly feel this negative mark should be removed from my credit score because I did n't do anything intentional or wrong. I was doing everything I was supposed to do and did everything XXXX and XXXX instructed me to and timely. How did that lead me into collections? That is just so wrong! Please help me! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Company continuously contacted me about a debt. I explained that I never received a bill and did not believe I owed any amount. Requested a copy of the bill and they sent me the debt collection letter. 

Threated that if I did n't pay the amount would be reported to my credit. Said I should pay because the amount was small and that I would n't want an amount that small affecting my credit. 

They effectively strong armed me into paying a debt I still am not certain that I owe

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Contacted CMRE regarding a medical bill. He stated the bill was the correct amount and they have been trying to bill my insurance co since XXXX XXXX, 2015. Today they placed a collection on my credit report. I called CMRE and explained I never received a bill in this amount, I had already provided the Insurance Information months ago and I believe the amount to be incorrect. I requested they remove this until they can resolve it on their end and the representative refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
I moved and transferred my XXXX cable service. I then discovered that they had charged me on my old account. I was told that it was all tranferred to the new account XXXX. I then received a call from a collection agency and just to avoid any more hassle I paid the collection agency. I have now been contacted 2 years later by another collection agency called Convergent Outsourcing Inc . They are claiming the same debt has not been paid. I have seen multiple complaints about this company and that they are basically trying to scam people for older debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation