vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: CO

Complaint narrative:
I have been with this company since XXXX of 2016. I originally started making my payments in full and recently about three months ago, I started sending in weekly or bi-weekly payments because it was easier for me. I called last week to find out what the balance of my payment was due for this upcoming Friday and received an odd amount. I called back this week and spoke with three different agents who provided me with three different amounts. I spoke with a supervisor who provided me with an amount that was more than what I showed I owed. I had to go back and check my payments to just verify and the numbers just did n't add up. Their online website only provides the statement amount due and does not reflect the current balance after payments have been made, nor does the phone system. You have to speak to someone to get an answer even if it is not accurate. I am so concerned that my payments have not been accurately posted to the account. I need to figure how how someone can audit my account to ensure that I my overall balance is correct. This frightens me and it is unsettling to know that the company I have my car loan with does not have my best interest at heart and I wonder how many other customers they are getting over on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My identity was stolen in XXXX and there are XXXX accounts on my credit report with TransUnion. i 've disputed the accounts five times in the last year and TransUnion refuses to remove them even though I 've sent supporting documentation and Police Reports to show the identity theft. 

The accounts are : XXXX with an amount of {$320.00} and XXXX with an amount of {$420.00}. NEITHER of these accounts belong to me and are both reported as FRAUD under my consumer statement. additionally the fraud that took place on my credit files so severe I had to legally change my first name. 

I 'm attaching copies of the police report as well as screenshots of the XXXX XXXX accounts. 

As per the XXXX other Credit bureau 's, XXXX remove both accounts from my credit file, and it 's currently under review with XXXX.

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 2016-05-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: MD

Complaint narrative:
United Auto Credit Corp. is making harassing calls to my job and other persons NOT on my list of persons to contact signed at contract lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so.

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 2016-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
A rental eviction was paid XX/XX/2013 into the XXXX County Courts in XXXX, GA. The landlord received money from the courts for the same amount collection agency is trying to collect for old landlord on. Collection agency knowingly and fraudulently knew they could n't collect on this account since tenant has no contract with this agency and landlord already been paid by the courts. Collection agency been told that had no right to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CASHCALL, INC.
State: NC

Complaint narrative:
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I HAVE NO PAST DUE AMOUNT WITH THIS COMPANY. WE MOVED OUT BC OF UNSAFE LIVING CONDITIONS AND WE WERE TOLD WE DID NOT OWE ANYTHING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX submitted a false, discriminating, emotional distress and derogatory allegations against me and my important credit bureaus. The creditor previously submitted a hand written notation pm a notepad without letterhead overstating charges that were not backed by the parts and labor receipts required to prove the creditors actually costs. I called the collection agency numerous times and disputed the amount with all the credit bureaus. I had filed a complaint with HUD & the XXXX XXXX XXXX regarding harassment, emotional distress, mold and overcharges. My lease was paid in full XXXX XXXX and nothing could be done while HUD & the XXXX was investigating my claim. I did owe only XXXX months rent of {$740.00} for XXXX in which the creditor filed a civil judgement for, However, he accused me in the correspondence sent to the collection agency of stealing electricity, damaging the water meter, {$500.00} to clean my oven, cutting holes in the molded attic insulation, {$500.00} to clean my dogs XXXX which was barely a couple in a XXXX yard? Claiming other miscellaneous things like accusing my son living permanently with me ( {$2500.00} )? ..I was on a month to month after completely my lease in XXXX XXXX and left in XXXX XXXX.The collection agency said I was responsible for the time it takes to fix up the apt XXXX Well it does not take 3+ months to fulfill the work. The creditor filed this collection in XXXX XXXX. The collection agency has a bad XXXX reputation. ( National Credit Systems ) out of Georgia # XXXX my acct # XXXX. I have been on XXXX XXXX since XXXX and the reviews of that property have been horrible. They also filed for Chapter XXXX bankruptcy in XXXX XXXX and it was dismissed for failures to abide by the judges rulings. The attorney representing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX # XXXX. I contacted him and he was of no help at all!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have written the collection agency about a fraudulent they are reporting on my credit file. I sent a dispute to XXXX and provided both agency my Identity theft affidavit along with my police report. The collection agency did not ignored my document and verified this fraudulent account to be mine and never responded to my request and dispute. they are causing me a lot of distress. I have been wrongly denied credit due to their false reporting and negligence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Have received phone calls at XXXX on XXXX, XXXX on XXXX, and at XXXX on XXXX from the collection agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 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: Penn Credit Corporation
State: WI

Complaint narrative:
Penn Credit is attempting collection of an alleged debt on behalf of XXXX XXXX who had provided brokered gas utility service to us when we lived in Illinois. We have provided documentation from XXXX XXXX of Illinois to both XXXX and Penn Credit proving XXXX has been paid in full by XXXX on our behalf, yet collection efforts continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called XXXX XXXX in XXXX Texas. The apartments went to court in XX/XX/XXXX with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National XXXX System almost XXXX without even seeing the agreement that was made between them and my departments. I have requested several times for them to show proof that they are a legitimate company including XXXX lettters in the mail. I have asked for the documents that were sent to the company by my apartments on XX/XX/XXXX and I have still not recd anything. I need this company to refund me all my money back unless they can prove to me that they are legally able to take this money from me. I need this company to be notified so that they take this debt off of me or they will be sued. Attached with this complaint is the letter I recvd for the balance I owed for my apartment which was XXXX. I paid off about XXXX dollars of that and with the XXXX I have paid these apartments, that balance should have been paifd off a long time ago. I am being scammed and I refused to pay them any more money until I get this remaining balance removed from my acct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: GA

Complaint narrative:
I have requested information from National Credit System and the original creditor ( XXXX Company ) about the alleged debt but they will not answer my many request. They want let me know when they released the apartment and as stated in my many request I moved out and gave them notice as required by my lease and they continue to try to collect on a debt I dont owe and the alleged debt is past the SOL XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CASHCALL, INC.
State: WI

Complaint narrative:
On XX/XX/2016, at or about XXXX hrs CST, I received a call from an unidentified male claiming to be employed by XXXX, the number called from is XXXX. The caller said he was calling " in relation to a breach of contract in the amount of {$1700.00} with cash call USA. '' He said if I did not pay immediately, XXXX would take me to court, get a judgment against me, and then have me " jailed '' if I did not pay. It was then he asked for me by name, the only information I would confirm. Most of his information on me is VERY outdated. When I insisted upon them mailing me proof of this debt, the male caller began insulting me, using foul language, resorting to name calling, and actually at one point threatened me with physical harm if I did not pay him. 

I explained to the caller that I am XXXX, low income, that my income is derived from XXXX benefits, and that my state laws do not allow a judgment to be paid from that. He threatened agin to have me jailed if I do n't pay, and claimed to " know many ways of getting around the law to get what is owed. '' I explained that I would be documenting and reporting the call. This apparently upset him even more, though I doubt I would be allowed to post here what exactly he said. I told him to please not call me again without sending by mail proof of the alleged debt. He said he will be calling me every day " if for no other reason than to make my [ stream of foul language ], miserable '' until I paid. 

I wished him good luck with that, said goodbye, and terminated the call. An immediate internet search lists many pages about this company ( IRP ), with many reporting this is likely a scam. 

The alleged debt holder " CashcallUSA '' is an internet " payday loan '' business known to me. They alleged several years ago that I borrowed money from them in such a way, on a date and time, from a location, and in such a manner that makes this impossible. That business has already been furnished with evidence to that effect ( employer documentation, Driver 's Daily Log book entries to that effect, and various statements from those proving I could not have been the one they claimed borrowed money from them. I have also informed them of who might have stolen my personal information to take out such a loan who was in fact in the location on the date and time they claimed. That individual is a suspect in another identity theft issue involving the IRS and law enforcement ( reports filed ).

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 2016-05-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CASHCALL, INC.
State: ID

Complaint narrative:
XXXX XXXX has called both cell phone and office phone twice over a debt I received relief from in bankruptcy. The have told me they were a fraud department and arrest was going to happen in XXXX days. The first time I spoke with them I explained that they were in violation of bankruptcy laws. They said they would remove my record. Less than a month later they have made harassing calls again. The number they are calling from is XXXX. It was only after I refuse to give them any personal information did they finally tell me what debt they were after.

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 2015-12-09 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASHCALL, INC.
State: MS

Complaint narrative:
I had an Loan with cash call and paid them way more like 3 times the loan and they harass 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 2016-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have initiated XXXX separate disputes with Experian for XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX

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 2016-12-30 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: FL

Complaint narrative:
On XXXX,2016 I received correspondence from this company stating a debt was owed. The letter is dated XXXX/XXXX/2016. The letter states it is attempting to collect a debt on behalf of XXXX XXXX but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than XXXX and I will be escalating to the XXXX and XXXX! For XXXX, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself is dated/mailed XXXX/XXXX/16 I was given less than 30 days to dispute or validate said debt. I was never given a final bill or breakdown as to the cause of this debt. On XXXX/XXXX/16 I sent an email stating I had no knowledge of this debt but if it could be verified I would be willing to set up a payment plan on reference to not having it placed on my report per the letter they sent me stating this as an option. However today I woke up and found that instead of a response to my email or allowing the allotted 30 days from contact to dispute they went ahead and placed this on my report anyways. I will be contacting an attorney if this is n't settled correctly. This is clear violation of rights! I have attached their letter, my email and my credit report reflecting the negative acct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CBM Services, Inc.
State: MI

Complaint narrative:
I have 7 times written letters to this company that my health insurance paid this bill. This home health care was awful while treating us, and even worse with billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian reports the following information that does not belong to me : 1- Berks XXXX , XXXX/XXXX/XXXX, {$410.00} 2- XXXX XXXX , XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- XXXX XXXX, XXXX/XXXX/XXXX, {$940.00} 4- XXXX XXXX, XXXX/XXXX/XXXX, {$550.00} 5- XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 8- XXXX, XXXX/XXXX/XXXX, {$0.00} 9- XXXX, XXXX/XXXX/XXXX, {$0.00} 10- XXXX, XXXX/XXXX/XXXX, {$0.00} ( reported 3X ) 11- State of MDXXXX, XXXX/XXXX/XXXX, {$170.00} 12- XXXX XXXX, XXXX/XXXX/XXXX, {$0.00} 13- XXXX XXXX XXXX , XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX XXXX {$2000.00} 15- XXXX, XXXX/XXXX/XXXX, 30 days past due 16- US Dept of EDXXXX, XXXX/XXXX/XXXX, {$3700.00} XXXX US Dept of EdXXXX, XXXX/XXXX/XXXX , {$360.00} 18- US Dept of EdXXXX, XXXX/XXXX/XXXX, {$4900.00} 19- XXXX, XXXX/XXXX/XXXX, {$620.00} 20- XXXX , XXXX/XXXX/XXXX , {$590.00} Please remove these items

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 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: TX

Complaint narrative:
Recently, in XX/XX/XXXX, our home mortgage was discounted ( sold ) to Statebridge, LLC. Statebridge failed to pay our property taxes from the escrow account in XX/XX/XXXX, costing us {$1.00} in taxes. As a matter of fact, Statebridge waited until XX/XX/XXXX to pay the property taxes which are due each XXXX. 
Our accountant has advised us that this company has really made a huge mistake and should be held responsible. 
Statebridge is the worst finance company we have ever dealt with. They are tacking on miscellaneous charges to our mortgage payments that their representatives ca n't even explain! 
We want Statebridge to reimburse us for the {$1400.00} that they cost us by paying our property taxes too late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation