vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Everest Receivable Services Inc.
State: NE

Complaint narrative:
I settled the account back in 2010 and this collection agency sold my account to another agency even after got a paid in full letter confirming paid off debt.

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 2016-11-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I have a loan with One Main Financial, which I will never do again. When I paid in XX/XX/2016, the amount due said {$200.00}. This is a cause I overpaid in XXXX so my payment due was less than the regular amount. That payment cleared but within a week my account showed a past due amount of almost {$600.00}. I have asked repeatedly for something to be sent in writing explaining this drastic shift. I have received nothing. Suddenly my account shows a returned payment from XX/XX/2016, two months prior. This makes no sense. Further, I have told One Main to cease all calls to my work, as I am not permitted to have them call my work number, and they continue to call. I will receive a call and voicemail on my work number and, within minutes, a call and voicemail to my mobile. Why they keep calling my work number when they have been told to cease, I can not say, but there was a time that they would ONLY call my work number and not my mobile. They have also called my employer 's main number, a number they were NEVER provided, instead of calling my direct line. Since last telling them to cease calling my work number, which was approximately two weeks ago, or less, I have received no less than seventeen to twenty calls and voicemails to my work number. This is not the only time I 've told them to stop contacting my work number, but they are rapidly nearing the end of my rope. I feel that their loans are predatory and that they are now harassing me with their incessant calls, ignoring the information that I have asked be sent to my mailing address, and calling a number that I have told them to STOP calling daily, including Saturdays. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
On XX/XX/2014 I refinanced a loan with One Main Financial. Unfortunately, the details of the interest rate and term of loan was not clearly disclosed. I was experiencing some very difficult times and made a mistake in taking out this loan. This predatory loan company had sent re-loan offer letters and had called me on how they would like to help. When I first received this loan they changed my end of month payment date to mid month. I immediately requested for it to be changed back. The loan officer indicated that they could change it after my first payment. After continued requests over a year and half, they finally changed it. Although, payments were made within 30 days and before late charges I was charged more interest and most of the time payments were credited to only the interest. Are there any regulation or is there a cap on what loan companies can charge? I am a XXXX and feel I am being taken advantage of. I have paid over {$5000.00} on a {$7800.00} loan and still owe over {$6000.00}. Also, I have always called in my payments and for the last several months when I attempt to call in my payments call go to voicemail. Because they have caller ID I believe this is a ploy to have you to be late with payment. The latter they receive the payment the more interest can be charged. Initially, it was clearly disclosed that I would be required to pay a daily interest rate. I continue to receive unsolicited letters, emails and phone calls to re-loan or happy for lower interest rate. The female staff that called me indicated that I might eligible to receive a lower interest rate, when I simply indicated that I would listen to what she had to say, she did a hard credit check before I had given her the ok. Right after she indicated that she had to pull my credit, I immediately asked if it would be a hard pull, and if so I do n't want you to do it. S he said I have already did it. I did no give permission. This affects my credit. I told her to put me on do not call me again if I want to inquire about a loan I will call you. She later called back and apologized. 

Please indicate if your consumer protection department help. 
Thank you in advance for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC.
State: AL

Complaint narrative:
I could not dispute because I have already got my free reports for the year but when trying to work with XXXX, I was told that XXXX XXXX had reported on my report as themselves and Cash Call which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans and then suddenly XXXX had the loan and then Cash Call is now trying to collect. It is listed double on my report. They are all the same people. I have researched this and many states are filing suits for these illegal loans where this company has been collecting from consumers in states where they were illegal and were made to refund their money back. It should not be reported XXXX with XXXX different companies asking for the same thing. I have nothing signed that says I have loans with XXXX XXXX or Cash Call, but what has happened is they are using all XXXX names to collect and finally Western Sky shut down, then XXXX XXXX, and hopefully the figure out Cash Call with the other states. Alabama is just behind but I feel like at some point it will be illegal here to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I took out a loan from CashCall in XXXX at an interest rate above 90 % at first I was making good payments of {$290.00} on the loan even at times making extra payments for a close to 21 months. I ran into some had times and could not afford the high monthly payments, my loss in income and health issues, I did not have the money to make the payments of {$290.00} every month. The loan from CashCall was originally {$2600.00} at 135 % APR so XXXX payments a total of {$6100.00}. CashCall states I still owe them {$1200.00}. I have sent them letters that I was on XXXX from my job and with a lower income it was very difficult to make the {$290.00} payments every month. CashCall sent a letter back offering to accept a final payment of {$120.00} to close the account and show paid as agreed on my credit report. I sent them the payment within the offered time that CashCall demanded. I sent the payment on XXXX XXXX XXXX as of today XXXX XXXX XXXX, CashCall has yet to process the payment, but now sent me an email stating that I owe the {$6000.00} plus dollars and they are will to settle the debt for {$1500.00} dollars. When I sent them an email regarding the matter the stated that I needed to call them to resolve the matter. I said I would like to correspond with them via email, because I do not like how the mislead clients and deceived consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
I arranged an automatic payment to pay my student loan payment to Discover Student Loans. I authorized ONE month payment. It was due XXXX XXXX and I had to wait to get paid on XXXX XXXX. It was late, but I scheduled it to pull from my account with my next payroll direct deposit. The next payment is not due until XXXX XXXX. I did not set it up as an automatic payment, but a one-time payment. They withdrew the month 's payment I authorized as agreed, AND they then took a second payment from my checking for a slightly higher different amount. The monthly payment due was {$310.00} and I authorized this amount. They stole an unauthorized amount of {$310.00}. They overdrew my account. How can a bank do this? What recourse can you take against Discover Student Loans to police a this student loan financial institution from stealing money from my checking account without authorization? I am one XXXX, and they are a large financial institution. They know their customers are young individuals without resources to battle them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: VA

Complaint narrative:
I received numerous calls & emails from CashCall ( the company ) to get loans. I needed the $ $ $ and I finally gave in and got into a financial situation ( 125 % ) interest and have been challenging the CashCall Inc. and finally they reduced the interest rate from 125 % to % 75. 

I was wondering if could get assistance from your organization to get a better interest rate from CashCall Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
The debt in question is in dispute, and according to the Fair Credit Reporting Act, National Credit Systems , Inc. has stated they reported this debt to all XXXX credit bureaus in the latest letter we received. Once more, we gave evidence to show them per their request, the issues surrounding our " special '' circumstance as to why we no longer live at the address in question. Instead of handling and actually looking into the matter, we got a " robo '' letter with changed dates from one of their many locations of their company sent to us with the same explanation as to how they do not see sufficient evidence to validate our claim. I believe we are fighting with a computer and not an actual company. I believe now I am going to have to fight back and take action, and I am beginning with you. They must comply with the Fair Credit Act and take us off the credit report. It is against the law when a consumer is disputing a debt to still report a debt. I am sure the fines they would get from the government for this would outweigh my debt tenfold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 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: VA

Complaint narrative:
I advised Penn Credit Corporation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XXXX XXXX I do not owe any debts. I also advised them I am on the do not call list. They promptly ignore me and challenged me to report them to the FTC/CFPB. They say that my reporting on them will accomplish nothing and they will continue to call my XXXX numbers. XXXX and XXXX. They are now using spoofed numbers with a XXXX area code in addition to the XXXX XXXX numbers they harass you with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: OH

Complaint narrative:
I lived in this property for two years never late always on time with my rent. Moved out XXXX XXXX, 2015 and they told me i owe {$1900.00} for cleaning and damages in my apartment. The collection agency has called harassing me about this amount making threats numerous of times. I have written letters to both the agency and the original accuser. Not once did they provide me with an itemized list of the cost of these exact charges from cleaning services as requested in writing. They have came up with a made up amount trying to charge me because i did not renew my lease with them. They took my security deposit and that should have been enough for any cleaning charges etc. I do not owe this property any funds and they are making up amounts with no proof of damages cleaning that had to be done but giving me plenty of threats. I have XXXX witness that helped me moved that can vouch for me that this apt was left best cleaned. Prior to leaving i have had many issues with my tub not working lights going out refrig not being fix etc and i once did not complain about the neglect i received here, but then get a bogus charged and spoken to rudely like i did n't full fill a lease or something. I believe because i was young and single mother they were trying to get over on me. Especially with raising my rent every year and not my Neighbors. They will manipulate you into renewing a lease with them any way possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 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: VA

Complaint narrative:
I received a debt collection notice from National Credit System ( NCS ) regarding my refusal to pay a debt owed to XXXX on the Lake for carpet replacement in the amount of {$1000.00}. This is a debt that I was totally unaware of and do not owe. I have contested this bill and requested proof of the allegations and NCS would not provide any additional information regarding my request. Instead they were threatening me to pay this bill without any explanation as to how XXXX came to the conclusion that I was responsible for total carpet replacement in my apartment without notifying me of the damages. I provided them with my copy of the final walk thru paperwork that the XXXX management team completed which made no mention of the carpet needing to be cleaned, repaired or replaced. I lived in the apartment for two years and three months prior to my departure I received my free carpet cleaning from the XXXX Maintenance Staff for renewing my lease. NCS has reported this erroneous information to the credit reporting agencies, and now my son and I have this negative information on our credit report without a thorough explanation or proof of damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I applied for credit solely and when they asked for my tax returns they came back stating the only way they would make the loan to me was that my husband would have to be on it. They stated that as we file jointly they require this. I explained to them I am allowed per federal law to obtain credit solely. All income but $ XXXX is mine. 

I requested that the XXXX Manager call me and received no call. 

They are in violation of federal law for requiring my spouse to be on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
I am a co-borrower on a loan for my son. He is behind on his payments and One Main Financial continues to call me. which I understand is their job, but they are calling my job on a harassing basis and I have verbally told them do not call me at work and so has my boss and they are very rude and says they will call here whenever they want and so forth. Now they are calling daily asking for Human Resources number to file garnishment and that number has been given to them every time and they then call back saying that is not a good number which it is. They are jeopardizing my job with the calls and they have been told to stop. My husband lost his job and I am barely paying my own bills must less my sons, and yes I know that is what a co-borrower is for, but I feel the harassment needs to be directed to him not me until all other options with him are exhausted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
When we bought the truck we was told we would end up only paying {$15000.00}! After paying on this truck for almost XXXX yrs they are telling us we still owe over {$13000.00}. How are we paying almost XXXX for this truck then what we was told. Yes we have made a few payments late but also your customer service line where you press XXXX it tells us that were not due until XXXX XXXX but yet your CSR told me it 's XXXX days past due so which on is it??? We are basically getting screwed on this truck. We cant even trade this truck in cause American Credit is XXXX wanting WAY more then what the truck is even worth. No one is giving me a straight up answer. They laugh on the phone and they are smart. I want to know why we are being XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
CHOICE RECOVERY XXXX. XXXX this account is a XXXX XXXX violation please delete.I have a a unverified account from CHOICE RECOVERY XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY XXXX and I believe it is a XXXX XXXX violation. I request that CHOICE RECOVERY XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: FL

Complaint narrative:
Calling for debt on person that is not me. I have advised them that I am not that person and to take me off the robocall list and they continue to call me EVERYDAY. Disruptive and flat out harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by RMG creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

RMG, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Corporation of America
State: FL

Complaint narrative:
I wrote Financial Corporation of America company twice asking them to send specific verification of the alleged debt, In response they evaded and/or avoided my debt verification request in an attempt to collect money they allege I owe them. I have no contract with Financial Corporation of America. 
A final letter mailed from FCoA Corp., that they will not respond to my verification because 30-days had past. Please let the record show that they only mailed me an original creditors bill and a copy of the outpatient care consent form I never received or gave my initials next too. Also, while under heavy med, # XXXX was not read to me, first time seeing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: MS

Complaint narrative:
United Auto Credit gives me at least XXXX daily phone calls. I can speak to XXXX representative but XXXX more will call me the same day on my cell phone and leave messages each time. I also get emails If I am even 14 days late, I am told that my account is on their desk for repossession or that it is imperative that I call them immediately. I was 1 day late one time and got XXXX calls while I was at work. I also receive calls at XXXX XXXX and XXXX. This is very annoying and I wish it would stop.

Company response to consumer: Closed with non-monetary relief