vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: PA

Complaint narrative:
Latest update on XXXX XXXX. Filed for judgment and won. I do not owe XXXX any money and in fact they owe me money. They owe me {$460.00} as per case no. XXXX. attached.

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 2015-11-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have an auto loan with ally auto. my XXXX 2015 loan payment was processed as a principal only payment, they then sent me a late notice and a notice of intent to report negative information to credit bureaus. they also deducted a finance charge of {$79.00} from the payment, as they do for my regular monthly payments. while trying to rectify the situation they stated that the whole of the XX/XX/XXXX payment was applied to my unpaid balance and that they were going to adjust the balance and take a finance charge. I pointed out to them that I was looking at my payment history and that a finance charge was already deducted from the payment. so far I have not got a fair resolution to this problem. lastly they applied a {$13.00} late fee to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
THE COMPANY NAME IS MONEY KEY AND THEY KEEP CALLING MY PLACE OF WORK AT XXXX AFTER I HAVE REPEATEDLY TOLD MONEY KEY REPRESENTATIVES I CAN NOT TAKE PERSONAL CALLS AT MY WORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NorthStar Technologies
State: OK

Complaint narrative:
XXXX XXXX XXXX a subsidiary of NorthStar Technologies XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX, Ok XXXX ( XXXX ) XXXX XXXX This company sent me a letter stating I owed a debt for {$4900.00} in XXXX 2015 and I immediately sent a certified letter requesting validation of the debt and a copy of their license to collect and received nothing, in XXXX 2015 I received a letter stating they were returning the debt and ceasing all collection activities. I received summons to appear in court on XXXX XXXX 2015 for XXXX XXXX Oklahoma as they have filed a lawsuit, after sending letter stating they ceased all collection activities. 
I do not live in XXXX XXXX, OK, nor have I ever and for them to fraudulantly sue me in this XXXX is additonal Fraud and FDCPA Violations, specifically after I requested Debt Validation and never received it and they sent me a letter that they were ceasing all collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Sortis Financial, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX My financial advisor and myself contacted ClearSpring Loan Services concerning account # XXXX. We spoke to a XXXX XXXX at XXXX. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
RE : Account # XXXX XXXX of XXXX. In XX/XX/2015 I was referred to Integrated by the VA through the VA Choice Program which allows Veterans to see a doctor outside of the VA Medical System if an appointment with the VA can not be obtained within 30 days. I informed Integrated that ALL of my medical expenses are paid by the VA because of my disability rating. Despite that and numerous conversations with XXXX and subsequently with the collection agency it referred my account to for collection - Choice Recovery - they refused to submit my claim to the VA and instead reported it to the credit bureaus. I want this credit report removed from my credit record. Your bureau is my last resort short of a formal complaint I will have to file with the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: American Coradius International LLC
State: FL

Complaint narrative:
XXXX XXXX -- THEY CALL CONSTANTLY EVERYDAY, TWICE A DAY. THE ORGINAL ACCOUNTS THAT THEY ARE TRYING TO COLLECT ON ARE AT LEAST 4 YEARS OLD AND IN FLORIDA AFTER 4 YEARS THE DEBT BECOMES UNCOLLECTABLE. I HAVE SPOKEN TO THEM IN THE PAST AND REQUEST THEY QUIT THE CALLS TO NO AVAIL. ALSO ACI BILL PAY XXXX AND XXXX AND XXXX ALSO CALL FREQUENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Residential Mortgage Services Holdings, Inc.
State: CT

Complaint narrative:
Residential Mortgage Services ( RMS ) provided predatory lending : the unfair, deceptive, or fraudulent practices of some lenders during the loan origination process. I had a credit score of over 750, income of over {$65000.00}, no current debt, good work history, and over 20 % down payment in cash. The branch manager failed to educate and purposely provided selective information about FHA and Conventional loan. He explained the Conventional loan as " no good '' and referred to it as the " XXXX '' loan who only benefits " white people ''. The FHA loan was explained as the " Obama '' loan and the only loan that I would be able to qualify for. He intentionally and purposely informed me of information to force me to obtain a FHA loan. False information was provided to me. For example, I was informed by him that the only way to eliminate a PMI was to provide a 20 % down payment which is incorrect. After gathering further information, I created a chart flow that presented the amount of money I would be required to pay over the life of the loan for both the FHA and Conventional loan. It clearly demonstrated that thousands of dollars would be saved with a Conventional loan. This goes to show that obtaining the FHA loan is beneficial to RMS than it is to the borrower. All information gathered as well as the chart flow was brought to the branch manager 's attention where he admitted that it is accurate and that he failed to provide us with this information which resulted in us choosing the FHA instead of Conventional loan. He stated he was " sorry '' but being that it is the day before closing we had to proceed with the FHA loan. Prior to this meeting the day before closing, I tried numerous times to contact the office by email and phone but was ignored. The office purposely ignored us to by time and to prevent us from switching to the Conventional loan. The branch manager also forced us to use a particular lawyer and even credited us money towards closing to use her. The day of closing the lawyer forced us to sign all paperwork all while only one owner was listed on the title. The branch manager knew to include both names to the title and ensured us it would be done yet only one name listed at time of closing. The lawyer stated that lenders do not recomend quick claim deeds but that is how she will add the second name to title. The branch manager was contacted numerous times by all parties at the time of closing and failed to respond. He responded 4 days after closing. 

Please see attached of a previous customers experience at RMS : http : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Accounts, Inc.
State: ND

Complaint narrative:
Upon the end of my lease and moving out of XXXX in XX/XX/XXXX, I did not receive a refund, partial refund, or any written correspondence/explanation from the complex management or their management company, XXXX XXXX XXXX within the 30 days after vacating the property as required by law. Therefore, I never had an opportunity to offer any remedies to anything they determined deficient. 

However, on XX/XX/XXXX, I received a letter from United Accounts, a credit collection agency ( see attached ) with regards to their client, XXXX. Based on North Dakota Statue 47-16-07.01 requires a written itemization of and explanation of any portion of a security deposit not paid to the lessee within 30 days of termination of the lease. Based on this, I do not believe XXXX and XXXX XXXX XXXX XXXX XXXX followed the law with regards to security deposit limitations and requirements as I never received any written communications from the apartment management. 

Furthermore, United Accounts reported a " debt '' to the credit bureaus. I mailed a dispute to United Accounts via certified mail on XX/XX/XXXX. Attached is my dispute letter and confirmation of delivery which is within the 30 days of United Accounts original letter. 

Attached is my letter to the North Dakota State Attorney General and the response from their office. 

I continue to receive letters from United Accounts demanding payment in full. ( Attached ) I am requesting that United Accounts remove this from all credit reports immediately and this matter be closed by XXXX, XXXX XXXX XXXX XXXX XXXX, and United Accounts.

Company response to consumer: Closed
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Acceptance, LLC
State: MN

Complaint narrative:
American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: American Credit Acceptance, LLC
State: LA

Complaint narrative:
I have sent numerous requests for American Credit Acceptance to validate their alleged debt against me. They have willingly and knowingly continued to report to the credit bureaus. This is a violation of the Fair Credit Reporting Act. This invalid information has constituted defamation of character as the debt has prevented me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: CA

Complaint narrative:
Our current credit report shows over many consecutive months of late payments to Acqura/Clearspring Loan Services for our loan that are completely erroneous and destroying our chances of refinancing before XXXX our mortgages come out of the interest only phase and/or variable interest rates begin to ramp up. 
XX/XX/XXXX becuase automatic payments and online payments did not seem to be available, we made a {$2000.00} pre-payment to Clearspring to pre-pay all monthly minimum payments through the remainder of the year to ensure that no late payments could possibly be reported. 
XX/XX/XXXX we continued to receive monthly statements from Clearspring showing that a payment of {$0.00} was due. However, in our current credit report, Acqura/Clearspring has been reporting our payments as 30 days late every month XX/XX/XXXX, save for XXXX. 
I can not tell you how frustrating this is as a consumer. We have been racing against the clock to refinance our XXXX homeloans and have been stalled twice now by XXXX 's reporting of late payments. Like many consumers concerned about late payment reporting, we consistently set up automatic payments and bank withdrawals with our lenders to avoid this very thing, however, XXXX 's online auto-pay sign up system has failed on numerous occasions XX/XX/XXXX without alerting me that the auto-pay function was not available to set up online. 
I then phoned XX/XX/XXXX to ask for auto-pay to be set up and paperwork was supposedly sent to me to do so. The forms never arrived and as a result, our XXXX payment was made after the due date further affecting our credit report. I followed up to ask for the paperwork again, which did finally arrive in XXXX. I completed the forms and returned to Clearspring and never heard back. 
XX/XX/XXXX I phoned XXXX to ensure that the payment would be made on time and found out that my auto-pay request had been denied. No one had attempted to contact me to inform me of that or why. During that phone call, I found our that XXXX declared my requested withdrawal date XXXX the XXXX of the month ) to be too far after the payment due date. What they did n't consider, for some reason, was that I was actually requesting the XXXX of the PRIOR month to be the withdrawal date to be extra precautious and to spread one of our automatic payments to a different time of the month. 
I am concerned that business practices at Acqura/XXXX place a too-high burden on its customers for making consistent, timely payments. At the same time, the company 's erroneous record-keeping and reporting are damaging people 's lives and threatening to further erode the slow gains the nation 's economy is making.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Valarity, LLC
State: OK

Complaint narrative:
They have called twice already this morning, using a robo-dialer to call my cell phone. When I answer, an electronic voice tells me to please hold for a very important call and then puts me on hold with music playing. This is unacceptable, both the multiple calls and the robo-dialing then putting me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: CA

Complaint narrative:
Constantly receiving " robo calls '' from Penn Credit Corp. I do not know what call is about. there phone number is 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 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter on XXXX XXXX, 2016 to One Main Financial which was listed on my credit report requesting validation of this account. I requested that if they could not validate this debt that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XXXX XXXX, 2016 I pulled another copy of my credit report and noticed that One Main Financial did not furnish the credit bureau 's with the required disclosure within the 30 day period required by law. Under Federal Law they are to place a " notice of dispute '' on my account within 30 days of my dispute which they received in XXXX 2016. I sent a certified letter to One Main Financial on XXXX XXXX, 2016 informing them they were of this federal law violation. To date they have not deleted my account as requested and they are clearly violating Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
There is an open account on my credit that is not my responsibility, if there is strong belief that it is my debt then i would like all paperworking providing information that it is in fact my responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: First Premier Financial, Inc.
State: CO

Complaint narrative:
On the day my payments are due on my auto loan account First Premier Financial begins calling at XXXX, every other Saturday. Not even giving me a chance to wake and get my day started. I have a good pay history with First Premier, and have fallen behind a few times. My account has never gone 30 past due. Since being with first premier i have recieved nothing but horrible customer service. The reps as well as a lady named XXXX who says she is from corporate call and disrespect whoever answers my home telephone. I have requested many times for my home not to be called before XXXX as I am not home until thatn time. The request was granted XXXX time. Account manager XXXX has called my home and told my child care provider she is a liar, she is beginning to see a pattern and is plain rude. She and another rep XXXX both have threatened reposession with my account only being 14 days past due at the most. XXXX has called and hung up on my wife because she was not getting the information she wanted. On Friday XXXX XXXX, 2015 XXXX placed a call to my home at XXXX XXXX from a cell phone not associated with First Premier Financial. Had I been Home and spoke to XXXX I would have provided my personal information on a 3rd party line. The telephone caller ID appeared as XXXX XXXX phone number XXXX. When I called the phone number back a lady answered whom did not identify herself as First Premiere Financial. She answered and said hello, no business greeting disclaimer opening. Nothing. After realizing who I was she said hold on I know who called you. I know I have an agreement with First Premier Financial, but the way they go aboout collecting their payments is not in a business like manner at all times. She has never called and been pleasant or professional. She always calls with a horrible bad girl attitude. I know I have a payment and i know its to be paid, the company has no consideration for their customers and the situations they may be facing. Its cold shoulder have my money or im taking your vehicle. I feel the way I am treated and im sure others are is unprofessional and should be addressed. I feel their tactics are unfair and unprofessional. I also was advised about a deferment. I accepted and was still charged my montly payment. i was never given time to catch up. Months later it was addressed that i had been over paying and was told i had a credit of {$100.00}. They have also had someone come to my home when my account was less then 19 days past due stating i needed to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: GA

Complaint narrative:
First I received a notice in the mail but not until XX/XX/XXXX I moved from there XX/XX/XXXX.I immediately contacted them to dispute that this was mine and they had already sent it to collections and put it on my credit 2 months prior to me receiving the notice.I was very upset to say the least.An error had been mADE I explained to the lady on the phone and I could proove I immediately put the docements together and sent to them in return I wanted to see what proof they could provide and OF course it was nothing but hand written lies .I asked for photos since they were trying to charge me for damages and they have yet to provide me with any.I however have plenty of photos prooving that there was a leak in this apartment and the mold damage, and along with a letter from the management ackknowledgement that I would not be charged damages and that I was moved out XX/XX/XXXX and they still wont remove this collection.This has caused me to not get employed in my profession and Im also trying to buy a house.Also I moved from this place in XX/XX/XXXX. Why did it take over 2 years for them to decide to place this file in collections? This file was placed on my credit report XX/XX/XXXX why not after I moved in XX/XX/XXXX if this was really mine.

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