vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 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: FL

Complaint narrative:
There is a collection company that is illegally and erroneously reporting a debt due, I already requested an investigation thru all XXXX credit bureaus and I have been unsuccessful. The company still says that the debt is due when there was never one. The collection company is showing a debt due as a rental/leasing category from an original creditor when I never even rented from them. Need this item removed from my credit inmediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: Penn Credit Corporation
State: NY

Complaint narrative:
A collection agency named Penn Credit has continuously contacted and harassed my elderly parents by phone in order to get information from them concerning an alleged debt that does not belong to me. Wen I attempted to explain this to them they just asked when I would be able to pay the debt and did not want to hear my explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: NJ

Complaint narrative:
I had already thought I settled this with XXXX because they kept sending me bills for products I had already paid for in full. I sent you the invoice numbers and all of the information I still have on hand to proved I paid. 

They tried this before using XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX NY XXXX. The notice was sent on XXXX XXXX, 2016. The notice stated that I owed {$82.00}!!! I wrote to CFPB and it was settled. 

Yesterday, I opened the mail to find a NOTICE OF COLLECTION from a place called PENN CREDIT! The client listed is : XXXX! AGAIN! 

These items have already been paid for and I am not paying for them again. They have a list of service dates, account numbers, and balances that total {$59.00}! 

The XXXX billing staff must be the most incompetent people that ever existed. Whoever they are ... they need to be replaced. Until then, buyers beware of making purchases from XXXX ... do n't do it. If you already have, keep all of your documentation because they will try to double, triple, quadruple bill you for what you have already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 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: IL

Complaint narrative:
ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Man-Data Inc.
State: OR

Complaint narrative:
I filed bankrupcy on XXXX XXXX, had meeting on XXXX XXXX. No creditors showed. The doctor resumitted his bill to my insurance for XXXX/XXXX/2014 and was paid everything owed except XXXX of the bill which I already had added to my backrupcy for XXXX. So the collection company is trying to get more than what is owed, on top of trying to collect a debt that is going to be charged off. They never filed anything to dispute the banckrupcy. I recieved another letter to collect XXXX today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
In XXXX 2016, I was forced to move out of my apartment building located at the XXXX XXXX building. I was told to pay {$730.00} for the last month rent. I put my rent check made out to XXXX XXXX for {$730.00} into their deposit box. The check was then cashed for the full amount according to my bank statement. The collector or their agency continued to send me demands for payment. All the while the payment was already made previously. The reporting agency then sent out a negative credit report for negatively impacting my credit score falsely. I would like the XXXX to review their case and reverse this action against my credit rating.

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 2015-08-20 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: ID

Complaint narrative:
This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I have XXXX issues with Springleaf Financial. First issue, I am not receiving statements from this company, they state that statements are a courtesy to the customer. They reported me 60 days late last month after I supposed did not make payments on the account. Which is ridiculous, why would I be late on a loan after building a relationship with this company for over 10 years? 

I believe the reason, that I am not getting statements is that the branch manager, XXXX XXXX, is discriminating against me is because I filed a complaint with the FTC this year, when her employees would not stop calling me at work. I have cell phone records and emails where I told her employees not to call me during my work hours. 

There was no reason that they could not call me on late evenings at Springleaf and tell me that my payment was due. I would also like to add that for the majority of this loan, I have paid additional on my monthly payments. On at least, XXXX they have misapplied my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I borrowed {$2600.00}, became ill, not working. Lending company got judgment against me for {$5000.00}. Garnished my wages for {$150.00} per month for the last XXXX months. My payroll company stop the garnishment after {$4000.00} was paid ; now they are coming back to garnishing my wages again for another {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 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: CA

Complaint narrative:
National Credit Systems of XXXX Georgia at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX Oregon, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed the account with TransUnion in which TransUnion corresponded that the account with XXXX XXXX is valid. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank regarding the alleged account. TransUnion was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged account and the creditor XXXX XXXX Bank can not validate the alleged debt?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC
State: IL

Complaint narrative:
Debt collector called from Unknown/Restricted number. Left message stating that they needed to discuss scheduling delivery of legal documents, and that they were scheduled to deliver them on XXXX XXXX. They also mentioned that this was a courtesy call prior to doing so. The message also stated questions or concerns or scheduling issues need to be directed to the filing party ( no name of filing party mentioned ). The number that was left was XXXX. This company basically threatened legal action, without leaving any identifying information regarding who they are, or what the legal documents are about. There is n't even mention of a debt in the message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Spring Leaf ( Formerly .XXXX ) had a loan on our house at XXXX , we paid every month for 180 months when the economy wen belly up in XX/XX/XXXX we called them immediately an let them know that we needed a modification, They responded by plastering forclosure notices all over the property, they kicked us out, and auctioned the property on the courthouse steps in XXXX XXXX , They robosigned the papers that is how they worked so fast. They called us up and told us that we qualified for a modification a HARP loan. trouble is they already sold the house. we moved to XXXX into a mobile home. since AGF sol the house for less than what we owned them they should have adjusted our biill accordingly, When I pulled a credit Report on XX/XX/XXXX I saw that SPRING LEAF formerly American General Finance had a balance of XXXX and Change since they admitted they made a mistake in taking our house and that we qualified for a HARP loan or modification, we feel that Spring Leaf or American General should make us whole again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank 's payment scheduling system changes the customer 's chosen payment posting date if any part of the payment detail is changed. I have noticed an issue where Synchrony Bank credit accounts change a payment scheduled date ( chosen by customer ) to the payment due date, if the payment amount is edited. 

Example : Amazon Store credit : {$94.00} due by XXXX/XXXX/15. 
Initially chose to pay minimum {$96.00} on XXXX ( date funds available and date scheduled ). 
Advanced to confirmation page, but decided to increase payment amount slightly. 
When clicked " edit payment '' button, reverted to payment page, {$96.00} selected payment amount still selected ( not changed to minimum due ), but payment DATE ( posting date ) reverted from XXXX/XXXX/15 initially SELECTED to DUE date of XXXX. 

Edited amount to {$100.00}, did n't catch ( as I have many, MANY other times ) that the date changed to XXXX XXXX due date ). 

Did not realize the date changed until checking my bank account that all payments scheduled for XXXX had cleared and noticed the payment that I thought to my Amazon account had not yet posted. 

While likely quite small per individual customer, this issue potentially allows Synchrony Bank to charge/earn significantly more interest ( illegitimately ) across their portfolio because the customer 's average daily balance is higher due to the payment posting later in the month. 

A later posting date results in a higher average daily balance, and therefore interest charge, for each customer affected. 

A mere {$.00} additional interest for XXXX account holders results in a additional {$50000.00} increase in interest earnings for the company. XXXX customers at {$0.00} each = {$250000.00} additional income that is earned through a system with a significant flaw ( if not intentional process ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This letter is in response to numerous phone calls with Amazon Store Card and the Synchrony SCRA department concerning the end of my XXXX protection underneath the SCRA guidelines. The most recent was Friday XX/XX/XXXX, with their SCRA department. 

After I advised their office XX/XX/XXXX that I was retiring and was allowed 180 days of further protection I was informed that my interest rates would increase in regards to all XXXX accounts you currently hold for me but I could request a decrease and revaluation of my credit to possibly get a lower rate ; I was also told by Amazon Store card and the SCRA department via numerous calls that the interest rate would ONLY increase for NEW purchases not my existing balance. I have since discovered that my and Amazon cards have started charging me the higher rates on my prior balance which conflicts with what I was told. When I spoke with SCRA on Friday they yet again informed me of requesting a review of my credit reports to possibly get a lower interest rate. 
The company has been amazing with help since GE Money bank to current Synchrony excluding these XXXX MAJOR issues. I expect and was told that prior balances would be exempt from the higher rates unless I made new purchases which I have not. Please correct this issue ASAP and refund me the erroneous and inflated rates. I have always been on time and generally pay in excess of my due amount. An average increase of XXXX % increase is insane and unjust.

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 2016-02-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
my JCPenny has been altered on their online site someone used my old email address as their user name " XXXXXXXXXXXX '' my real address now is XXXXXXXXXXXX this makes it diffcult to get info online at synchrony bank not JCPenny where I signed up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
On Monday, XXXX XXXX, 2015, I received a letter from Quality Loan Service Corporation ( " Quality '' ) titled " Debt Validation Notice '' with an XXXX XXXX, 2015 date, which stated pursuant to, and in compliance with the Fair Debt Collection Practices Act and the XXXX Fair Debt Collection Practices Act ( FDCPA ) the notice allowed me to respond in writing within 30 days to dispute the debt. This notice also further stated Quality was a non-judicial foreclosure trustee and has been instructed to commence foreclosure proceedings against a property I own. I am unfamiliar the creditors named within the Quality notice and the debt amount that is claimed to be owed on this property different from my records. 
On XXXX XXXX, 2015 ( less than 30 days ), I responded in writing by sending a Dispute and Notice to Validate Debt to Quality at XXXX XXXX XXXX, XXXX XXXX, CA XXXX via U.S. Certified Mail No. XXXX XXXX XXXX XXXX XXXX. This is well within the 30 day requirement of FDCPA regulatory guidelines. 
Concurrently, on XXXX XXXX, 2015, Quality agents executed order paperwork to process the foreclosure and on XXXX XXXX, 2015 Quality filed the documents with the Office of the Recorder in XXXX XXXX County with a Trustee Sale date of XXXX XXXX, 2015. This means that in 24 days, Quality sent the original notice than filed paperwork against me. 
Quality has violated several XXXX XXXX. XXXX & XXXX subsections. If Quality claims it filed the Trustee Sale and/or foreclosure order as a " bona-fide error '' and " overshadowed '' whether clerical, procedural or otherwise, then Quality must immediately cease and desist with the foreclosure proceeding of the property until this matter is rectified and resolved XXXX. Quality must postpone the Trustee Sale immediately and Good Faith must be evidenced by stopping any further action whether non-judicial, legal or collection until it has complied with FDCPA requirements allocated to me by law. These actions are inconsistent and to the contrary of federal and state laws inclusive of those of the FDCPA. 
Conclusion, Quality has commenced, processed, signed documentation and have acted in malice, deceptively and unfair within no intent to honor the 30 day period before pursuing on any action against me. Quality has in fact unethically commenced in the collection of debt without VALIDATING THE DEBT XXXX. This is negligence and a total disregarding for my lawful rights. Quality has not responded to my dispute, nor practice fair collection practices when they filed at the Office of the Recorder within less than 30 days from the date on the Debt Validation Notice, and several days prior the Quality agent signed the Order No. XXXX and authorized the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Date : XXXX XXXX, XXXX From : XXXX XXXX XXXX To : Barclays Bank Delaware Card Services Enterprise Holdings , Inc., XXXX XXXX XXXX, Chairman and CEO CC : Consumer Finance Protection Bureau ( CFPB ) Subject : Credit Card Charge Dispute This letter is to dispute the below described charge and the handling of this dispute by Barclay 's Bank Delaware. In addition, this letter is to file a complaint regarding the handling of this matter by both Barclay 's Bank Delaware and XXXX XXXX. 

On or about XXXX XXXX, XXXX, when making my monthly payment on my Barclays Bank Delaware XXXX Aviator Red MasterCard, I discovered that there had been a fraudulent use of my card. My old account number was XXXX XXXX XXXX XXXX, which has been changed by Barclays Bank Delaware to XXXX XXXX XXXX XXXX, due to the fraudulent use of my credit card , probably by an employee of XXXX XXXX. The amount of the charge was {$200.00} and the charge was initiated on XXXX XXXX, XXXX and posted to my account on XXXX XXXX, XXXX. I immediately called Barclays Bank Delaware Card Services and XXXX and advised both organizations of the fraudulent charge. In reviewing my card statement today, I noted that on XXXX XXXX, XXXX Barclays Bank credited my account with the amount of {$200.00} and then charged my account that same amount on XXXX XXXX, XXXX without advising me of the status of their investigation. 

During the period XXXX XXXX, XXXX through XXXX XXXX, XXXX, I was in XXXX XXXX, Utah and therefore would have been unable to rent a car or truck from Enterprise in XXXX XXXX, XXXX. I had physical possession of the card during the period that I was in Utah and in fact still have possession today ; therefore, my credit card could not have been physically presented by anyone to rent a car. In conversation with XXXX they disclosed to me that the card number was entered manually, which indicates that whoever used the card did not have physical possession. When I rented a truck in XXXX XXXX from XXXX, I used this card and presented my driver 's license, so an employee of XXXX would have been able to keep my card and driver 's license numbers. As you may know when renting a car, one must present both a credit card number and driver 's license. Since I was in Utah and had control of both my card and driver 's license, it would have been impossible for anyone to present my license and card when renting a car. That leads me to the conclusion that only an employee of XXXX could have used my card number, as that person would not have had to present a driver 's license. 

Please properly and thoroughly investigate this matter and keep me informed by telephone or letter. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief