vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Valarity, LLC
State: AR

Complaint narrative:
On XXXX/XXXX/15 I sent Valarity LLC a certified letter stating I was aware I owed a past due balance of {$1600.00} but I am on XXXX I do currently have a financial assistance agreement with XXXX Valarity as their collection agency. I asked Valarity not to call me anymore but to send communications via mail. They received the certified letter on XXXX/XXXX/15. Since then, Valarity continues to call XXXX a day. I recognize the phone number, so I do not answer the calls. I was advised not to speak to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: LA

Complaint narrative:
Received a statement from XXXX dated XXXX/XXXX/2016 on an amount due for {$57.00} and payment made on XXXX/XXXX/2016 ( check # XXXX ) for the amount due of {$57.00}. On XXXX/XXXX/2016 received a collection notice from a company called Receivable Management Group , Inc. This company claimed that they received money from our insurance company ( XXXX ) and that we owed a debt of {$62.00} on this bill from XXXX. I owe {$0.00} to Access Radiology so I do not understand where this collection agency obtained this information. Also, if I check and this has been reported on my credit report, I will file legal action against this debt collection 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 2016-11-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
COMPANY DEMAND PAYMENT ON ACCOUNT OUTDATED SINCE 2007, NOT MY ACCOUNT, PAST THE STATE LIMITATION TO COLLECT PER OCGA 9-3-23 AND 9-3-25

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 2016-06-01 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: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attemptsXXXX, and Solomon & Solomon continue to verify this debt without proper validation. Solomon & Solomon has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account is in dispute, they continue to reflect non payment monthly on my repute. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 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: GA

Complaint narrative:
I lived there for 3 yrs and we like the apt but the change owner and we had XXXX there made us take it down i then i write them a letter say i am move to XXXX due to i had XXXX and i need my mom to take for me through the time i was go through treatment and while my husband worked. So see what i have to do to take this off my creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: CA

Complaint narrative:
On XXXX/XXXX/16, I received a letter from Penn Credit Corp stating that this was a debt collection for a deposit of {$1500.00} made to my bank account by " Checks by Phone ''. I have never even heard of " Checks by Phone '', and have most certainly never received any kind of deposit from them. The letter was dated XXXX/XXXX/16, but the supposed deposit was dated XXXX/XXXX/16 - that is n't even possible. When I searched for Penn Credit ( aka Penncredit ), I found pages of complaints from other consumers. This is a completely fictitious, fabricated " debt ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: KS

Complaint narrative:
I was late on payments, applied for modified payments and met the requirements. Nationwide wants me to sign a modified mortgage agreement which will extend my mortgage for XXXX years at {$580.00} a month. I currently have a loan agreement for XXXX years at {$610.00} a month. 
Or I have to make up the difference between the modified amount and normal amount which is {$1200.00} or be foreclosed. 
The extended years if I am unable to refinance with have me over {$20000.00} on a mortgage I only have $ 54,000+/- left. 
Why if my loan is extended, the payments are n't lower?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: OH

Complaint narrative:
They call me 5-6 times a day asking for an address to send legal paperwork to. Then they tell me that they can only discuss what the paperwork is about and update my information if I provide them with the last XXXX of my social security number. They said they have the entire number in front of them but federal law requires that I verify my identity by telling then the last XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
A debt collector that solely has business with my husband on an issue from before he and I met tried to contact me through my employer by phone yesterday as a fear tactic and spoke with another member of my company and told them that I needed to call her back before XXXX and the let me know she works at " Genesis Credit Management. '' I have XXXX business to do with this, I have never spoken to her, my husband never authorized anyone other than him to talk to this company regarding his debt so I can with 100 % certainty say she phished for my information and contacted me as a 3rd party at my place of employment. This violates XXXX of the FDCPA rules alone. 


For more context : My husband experienced an incorrect eviction ( partial rent paid on XXXX due to XXXX out of state immediate family deaths and then rest in middle of month after 10 day had already been served ) earlier this year ( before we were married and on an apartment I have XXXX association with ). 

He has been contacted repeatedly in the last week by an " XXXX XXXX '' from " Genesis Credit Management '' and I have listened as an observer only to her berate and verbally abuse him ( on speakerphone ) while he tried to respectfully work with her on a payment plan. She continued repeatedly threatening to " take him to court and garnish his wages if he does n't pay his debt in full now! '' I would be happy to listen to the audio recordings she supposedly took of the conversation. 

Needless to say my husband tried to negotiate with her to the best of his ability but no amount that he can afford was enough. 

I called her and left her a voicemail letting her know I would not tolerate her contacting me, let alone at my place of work so that rumors could spread and soil my reputation without any backing. I want to file a lawsuit and sue her for the damages of dragging me into a matter that does not involve me and by getting another person at my place of work involved in business that is personal for my husband and does not affect me or the company I work at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
I was called by the One Main Financial store in XXXX XXXX ( I do n't have a loan with them, I have one with the XXXX KY office. ) This girl named XXXX from that office called my cell phone. My co-worker answered and she told him that she needed to speak with me about a legal matter. She told him where she was calling from and told him that they were filing court to garnish my wages. One Main Financial 's representative violated my personal privacy about my financial situation. She should NOT have told him any of personal information. Then she threatened me with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CASHCALL, INC.
State: LA

Complaint narrative:
XXXX XXXX of XXXX contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?

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 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
the amount shown is way out of proportionit was XXXX how did it go to XXXX that 's just wrong its much XXXX costed 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 2015-08-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I live in the state of California, last year XX/XX/XXXX I took out a loan with cash call, was told they did not do loans under XXXX but I could repay back what ever amount I wanted right away and that would bring my payments down and the amount I would owe, well I did n't repay a large amount back, I have been paying I. This loan for a year, I have already paid them XXXX on a XXXX minus fees loan, they have taken out late fees without notification to me from my account putting it negative, and numerous XXXX fees I have paid to my bank every other day they try and pull the money out of my account on several occasions I have made payment arrangements that were not documented, this month XX/XX/XXXX I had unexpected expenses and received an email saying they can help me so I responded to the email and no response back I waited 3 days and still nothing, now I sent another email still no response I keep getting phone calls, I read that XX/XX/XXXX that cash calls license was suspended for up to 12 months how is it possible to get a loan the next month, I feel that my loan is illegal I also read how to respond to a illegal loan so am am going to take these steps, first send them an email explaining that I am revoking the ach and any wage garnishment study they may try to do do to their license being suspended when issuing my loan, also close my bank account and request a refund of all monies I have paid to the company, I feel this company should be shut down and not allowed to give any loans to anybody I will not ever do another loan like this this has ruined my life, my relationship, and I will never regain any of it back, I feel this company should have to pay every cent to every person they loaned to especially if it was illegal, I am not saying that because I do n't want to pay back the loan, I would be willing to only ask for the extra money I paid to the company besides the principle amount of the original loan, I have over probably a XXXX dollars in late charges from my bank from this company, and would ask for them to pay back that money as well, I want to know how this can be fixed and my life back to normal. Please help 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 2016-09-21 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
This was a title loan and it was released XX/XX/2016. I received the release letter in the mail after I made the final payment at a SpringLeaf in XXXX, PA on XXXX XXXX. The new title for the car from the DMV was mailed to my home soon after.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX of NCS has repeatedly called my employer and the HR department of my company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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: WI

Complaint narrative:
I was told if I paid this debt they would remove the account from my credit report. They still have not done this and I have paid it and disputed the account. I want this removed from my credit report like the debt collector promised.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Springleaf Financial is another one that started in XXXX County because that is where I live. Payments were being taking out of my check regularly to satisfy my amount due. However, at some point again XXXX County stopped taking the payments. Instead of Springleaf contacting me to make arrangements, the also went to XXXX County after 5 or so months. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. I asked that Springleaf remove themselves because at the time I thought that my account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Management Company
State: PA

Complaint narrative:
The debt was opened in error by the Provider, who knew that was opened in error and never stopped it from being sent. I went to the doctors office and never received the service, which was still billed. I called my insurance company and they advised they were unable to stop the claim the doctors office would have to do that. 

I then left it alone and never followed up until I went to make an appointment and was told I could n't as there was a billing issue. I spoke with the billing department who cleared the issue and noted they did see in their notes of the mistake. I also asked them to have this pulled back from collections as it was sent in error. The billing department for XXXX XXXX XXXX XXXX XXXX said it would. This call was done in XX/XX/XXXX and still reflects on my credit report. 

The debt agency, which is a third party also made multiple contact calls to my cell phone, without my permission from a dialer. 

I also submitted a credit dispute as the item was reflected on my credit report, which was rejected and the collection agency said it is not their fault they are just collecting the debt.

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 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
On XXXX/XXXX/16, I contacted a financial services company to request a personal loan. We processed the application and I was issued a disbursement check for {$3.00}, XXXX ; after which I deposited into my checking account. I recontacted the company within two business dates ( XXXX ), stating my intentions to cancel the loan and return the proceeds, citing a high percentage rate and my general feeling the repayment length was too excessice. I spoke with the Branch manager who assured me I could cancel the loan as long as I returned the entire amount initially advanced. Upon my arrival at the office, I delivered a cashiers ' check in the above mentioned figure and I was given a receipt. Upon closer examination of the receipt. I noted the Manager had posted the check towards the principle of the loan, rather than voiding the entire contract. I was informed since I no longer had the original check, my receipt was sufficient. I further add since I had a active account balance of {$1800.00}, prior to this new loan, the application paid off the existing loan and I was set up to make payments for four years, all totaling to over {$9000.00} plus. Since I returned the cashier 's ' check, the balance owing was now {$6000.00} plus. Once I voiced my dissatisfaction with their accounting tactics, I was reassured this figure would fall off with coming days. On XXXX, I opened mail at my home from this lender, and was horrified to see I was still listed as having a debt of {$6000.00} ; which I had specifically asked to cancel. I believed I was within my rights to negate the loan, since five business had not elapsed once I returned the cashiers ' check. Immediately I contacted the office and was told repeatedly, the manager would contact me via phone, which never materialized. After the XXXX holiday, I contacted the office and was reassured the loan app would be nullified, yet this has n't happened. Each time I try to impose my right for cancellation, I am told the {$6000.00} sum is being maintained for paper control, and I am only liable for the {$1800.00}. plus which remained on a prior balance. I contacted the headquarters of this company and verbalized my frustration and wrath in being forced to take a loan which I had clearly voided. Supposedly, the headquarters will investigate this matter within seven to fourteen days. Additionally, my duplicate set of the loan application was confiscated by the manager, so I do n't have actual documentation to contest their procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: TX

Complaint narrative:
In Texas, took a {$10000.00} loan with XXXX XXXX. I have paid at this time $ XXXX and still showing a balance of XXXX. I understand that you have filed against them and other consumers no longer have to pay these. The interest rate supposedly was 89 % on this loan. I believe Texas has a cap? Can someone identify this for 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 2016-01-29 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: CT

Complaint narrative:
Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law. 

National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of the damaged carpet with a photo copy of a pay stub of the former tenant. 

A pay stub to prove that the tenant was in debt in regards to damaged carpet? 

This sequence of events is in violation of 15 U.S.C.1601 Fair Debt Collections Practice Act. This by far does not come close to validation of debt even after requesting validation by the accused debt holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation