vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XXXX/XXXX/XXXX I lived in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX n.c. XXXX in XXXX XXXX where a fire ensued. I was covered by insurance in full through XXXX XXXX XXXX company of Florida. My insurance paid XXXX in the form of XXXX checks ( I submitted the documentation ) on my behalf collected by XXXX XXXX XXXX the property owners at the time. XX/XX/XXXX I received a bill from XXXX for the 2 mos remaining on my lease. When I called I was told to disregard it as my lease was void as of the fire ... I did. In XXXX my account was given/sold to National Credit Systems for XXXX. The information I am providing will contradict information I have received from NCS. NCS claimed on XXXX/XXXX/XXXX that my insurance paid XXXX. However my insurance has provided me documentation that they paid XXXX XXXX for the damages created by the fire. Therefore they have been overpaid and should have returned my deposit of {$400.00}. I do not owe a balance at all. In the past I have had my insurance call XXXX directly as well as contacted XXXX and XXXX the property owners to no avail. NCS will not release this debt as they wish to be compensated for purchasing a bad debt. Furthermore it is my understanding that Steeplechase\and or NCS had 3 years to file a judgement against us for this debt they did not and the timeframe has since expired so this should have been removed on that basis if not the fact that I have provided substantial proof from the 3rd party ( my insurance company ) that they were paid before this debt went to collections. NCS has also resubmitted this debt to the credit bureaus XXXX ( in order to keep it from dropping from my credit ) indicating that they have made contact with us. THEY HAVE MADE NO CONTACT WHATSOEVER SINCE XX/XX/XXXX, when I contacted them. There is no debt owed and I would like this removed from my credit and the credit of XXXX XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
1. misleading billing. on the bill received via USPS mail it shows a total amount due on XXXX XXXX, 2016 as {$280.00}. Their website shows a total amount due as {$370.00}. They charge a late charge of XXXX even when the amount due is received on time. 
2. I want them to bill me correctly. If the amount due on the XXXX of each month is {$280.00} or {$370.00} let the hard copy bill reflect the correct amount. make sure the amount due on their website reflects the correct amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
Informed money key collection agency Third party i believe at XXXX that they were only to be contacting me regarding this balance as XXXX XXXX. They called my references again today XXXX/XXXX/15 regarding my balance. I have told them that I was only able to afford XXXX month XXXX or XXXX begin to be rude and saying that money key did n't give you payment arrangments when they gave you the loan. I do not feel that i should be treated like that was n't disputing that i did n't owe it just could n't afford to pay what that collection agency wanted. Still harassed me and I termnated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WAFD BANK
State: WA

Complaint narrative:
WASHINGTON FEDL SVGS is reporting an a negative mortgage account on credit report of XXXX XXXX of XXXX, WA. Account and property was granted to the ex-spouse at the time to dissolution of marriage and court order was issued releasing XXXX XXXX of any obligation and liability related to the property and this loan. Numerous attempts to Washington Fedl have been ignored and this account is still actively reporting to XXXX damaging credit and causing financial distress to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: OR

Complaint narrative:
While waiting on loss migigation nationwide advadvantage sold our home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I have a loan with a company called One Main Financial in the city of XXXX, CA. I received a call from a representative by the name of XXXX. I have been attempting to apply for a loan deferment for XXXX weeks. The reps at the branch have stated they have emailed me the deferment form but I had not received it. Finally, on Wednesday, XX/XX/2016 XXXX stated she is handling my account and that " I better get the form in ''! She became irate when I told her she was speaking to fast and I was unable to understand her words. XXXX then stated " hold on! ". She Abruptly placed me on hold ... When I advised XXXX that she was being rude, she in turn told me I was the XXXX being rude and hung up in my face. I called the One Main XXXX back, XXXX again answered the phone. I asked for a manager, she stated there is no manager and declined giving me the name of a manager. XXXX then hung up again. I have been a customer with One Main for some years. I have always worked with XXXX. She is extremely pleasant. The Service provided by XXXX was very unprofessional and disgusting. This is not reputation that One Main Financial should want for their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
My wife and I always accepted there calls. we ask them not to call a certain number due to my parents are sick XXXX.They still call. I spoke with XXXX XXXX she said she was a manager i explain to her that I was n't working I was trying to get my paper work in from the doctor so I can return back to work that I will send a payment in soon as I start receiving my pay check. XXXX XXXX made a statement saying do n't you need to go and aply for food stamps. I think that is very unprofessional. I ca n't help I had XXXX I was paying on time never missed a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
I was 29 days late making loan payment. 
i paid XXXX XXXX 2016 before XXXX. They reported to credit agencies I was 30 days late. payment was due XXXX XXXX 2016 paid XXXX XXXX 2016. Springleaf financial

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
i have submitted my XXXX I 'd number and group number to XXXX hospital about my charges while I was in hospital. Plz dispute this owe debt on my credit score .thx

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AVANTE
State: FL

Complaint narrative:
I went to the hospital for a problem and am XXXX. I gave the hospital my insurance information. Later on I received a debt collection notice from XXXX Hospital so I called them and again gave them my XXXX insurance information. A long while after that I received something in the mail from a collection agancy so I disputed the bill with them advising them that I had insurance at the time and it is up to the hospital to submit the claim through XXXX. I just checked my credit report and it has a collection from Avante USA from XXXX XXXX XXXX Hospital. I have proof of insurance from XXXX if necessary. It is not my fault they did not correctly bill my XXXX insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Man-Data Inc.
State: OR

Complaint narrative:
There are many areas that my complaint fits under. 

Company 1st contacted me on XXXX regarding a debt I did not initially believe was mine. I thought it was a scam and asked them to send me something in writing before I would communicate with them. They told me that I must set up a payment arrangement right then or they would take legal actionOn XXXX the company contacted my employer and identified themselves to " verify my employment '' then they contacted me, since I had not received anything by mail, I again stated I wanted something in writing before I would discuss anything with them. I also told them I was recording our phone calls ( legal in Oregon XXXX, they got upset and hung up on me. 

XXXX I sent a certified letter asking them to validate this debt. 

XXXX I received XXXX letters, one with a summary of the debt and one that indicated that they had contacted my lawyer and threatening legal action. 

XXXX. I received the information on the validation of debt that stated I had XXXX days to dispute the debt. 

XXXX They filed a claim in XXXX XXXX court. 

I have now realized this is my debt from my daughter and there was some confusion between me and my ex husband, I have no problem that I paid the original {$220.00} debt, what my issue is, is that my rights under FCDPA were clearly violated and I had to pay and additional {$93.00} of " fees '' because they filed a lawsuit before they gave me a chance to dispute the debt. In addition they contacted my employment and since I work XXXX I am aware they have done that with other employees as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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:
This bill was paid before the collection agency started collecting. 
Was never in default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Management Company
State: NJ

Complaint narrative:
I am being over charged a copayment of XXXX dollars when it should be XXXX dollars. After multiple calls i did giving my correct copayment assistance card I keep getting billed the higher amount and I am being threatened with collection because of someones error at XXXX XXXX pharmacy.

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 2016-02-01 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 a loan from Cash Call in 2013. The amount was {$5000.00}. I did n't understand the terms of the loan because the transaction occurred within a couple of days. I then lost my job and defaulted about 7 months later. Cash Call made it very difficult because they would not work with me until l could get back to work. The interest is now 119 percent. Now Cash Call is threatening to file a lawsuit and the balance is over {$35000.00}. 
Initially the salesman who I spoke with never explained the terms of the loan. Therefore it is my believe that there was despection. When I tried calling him back to let him know I lost my job it was impossible to get him or someone to speak with. 
The collection department would call about XXXX times a day but used blocked numbers or unrecognized numbers. I spoke with someone in that department who was not willing to work me on a partial payment. My salary was and is still very low, and I am not capable of making payments.

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 2015-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
2010 I modified a mortgage loan. Caught up XXXX payments w/ American General. They lowered my interest rate XXXX. After I got divorced, XXXX again I wanted to modify my loan thinking I could get a lower interest rate catching up XXXX payments. I got my signature notarized at my local bank and sent XXXX now Springleaf ) papers. Thinking they XXXX again lowered my interest rate cause my payments were lower. They had taken away seven years of payments and put it back to 20 years. I told them it was n't right and I did n't realize they took away 7 years of payments at XXXX a month and I 'd sue them. The next month Springleaf sold my Mortgage to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: CA

Complaint narrative:
Constant calls -- over 50 calls from XXXX asking for someone other than me. 

Extremely invasive. I am a senior citizen and the unceasing calls are stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
Checked into a loan at ONE MAIN FINANCIAL never got further than a inquiry on my part just checking interest rates, said I was n't interested and tried to hang up the gal on the phone practically begged me to continue and fill out a application and I declined. Today XXXX XXXX 2016 I received a declined application # XXXX from this institution. Now this is fraudulent because I never filled out a application I totally declined this females begging me to just try and see what rate I would receive! I am totally shocked by this letter and feel something needs to be done about it!! First of all where did they get my information this is personal information they took liberties with and I do n't know whether she receives a bonus for more applications or what her motives were! But I need this hard credit pull removed from my credit report ASAP please.ONEMAIN FINANCIAL. XXXX XXXX XXXX XXXX XXXX. XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: AZ

Complaint narrative:
Received letter dated XXXX/XXXX/2017 that I owe XXXX to " XXXX XXXX XXXX '' - I have never owed this debt. I tried calling National Credit Systems and the agent hung up on me. I want this corrected and taking OFF credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Second complaint against XXXX Bank. Disputed information on my XXXX report and XXXX had both accounts in question deleted. Same dispute sent to Experian. Received results and only XXXX account deleted and the other XXXX updated. Called Experian to find out why. Representative there said that XXXX told Experian they " just wanted to leave that account on my credit report ''. Again, same accounts were deleted with XXXX and should be with XXXX as well. XXXX is not consistent with their reporting practice and is in violation of the FCRA and FDCPA. I will file complaints with FTC and state attorney generals office after this complaint if it is not resolved immediately

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 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX almost XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. now that Im an adult I was turned down for credit because of a utility bill that was put on my report back then before I was XXXX. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and dont sell XXXX or anything like that my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has fail to provide me with accurate and timely dipute results on negative unverifiable information on my report.

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 2016-01-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the charged off status of XXXX accounts that Experian shows as being charged off in the current month. I have sent in requests for investigation as well as provided them proof that in no conceivable way could the status of these XXXX accounts be charged off in the current months. 

Experian has consistently failed to investigate properly and each subsequent time has come back and updated the reporting to report the current month in which I disputed it as being the month the accounts are charged off. 

There is inaccurate payment history with these XXXX accounts that Experian fails to investigate or yield correct information. I have provided them proof on XXXX separate occasions that have yielded incorrect reporting again and again. 

Attached is a copy of the XXXX XXXX credit card account that display the inaccurate information. It is not possible for me to have a charged off payment status under these XXXX accounts since there is no balance due and the accounts have been paid and closed. Experian is knowingly reporting inaccurate information as I have previously provided them with evidence that these accounts are reporting inaccurately. 


The accounts are the following : XXXX XXXX which has inaccurate monthly reporting and other data issues. 
XXXX XXXX which also has inaccurate monthly reporting and other data issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My husband and I entered a lease agreement renewed XX/XX/XXXX. It was written for 13 months period. I was informed it is against the law to have it drawn up the way it was, after signing moving into another apartment under different management. The problems associated with the balance was at move in. There were problems with the uneven floor boards, the buoyancy of the flooring was unstable and there was a transferred water bill that the company did not want to resolve. It was attached to the water bill for XXXX. I have disputed it with the company via certified letters. I also went to speak with then manager ( XX/XX/XXXX ) but there was not one on the property. As of today, it was moved into an installment status until XX/XX/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 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian is reporting XXXX XXXX XXXX XXXX lates as recent as XX/XX/XXXX. This debt as included in our CH XXXX bankruptcy which was discharged XX/XX/XXXX. I demand that the account gets statused as included in the BK with no lates after the BK date.

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