vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Clearview Resolution Services
State: CA

Complaint narrative:
A representative named XXXX XXXX from XXXX Department called me at approximately XXXX saying that they are in possession of a debt XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Received a call from PENN CREDIT. I do not know who that is and have never done business with the company. There was no person on the other end when I answered the call. They continue calling several times a day including Sundays. I no longer answer the phone when their number and name appears. This has been going on for months and I am sick of it. We are elderly and my wife is in stage XXXX of XXXX. Can you do anything to get the calls stopped? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I paid off my loan on XX/XX/2016 and have been waiting since then for an overage payment refund of approximately {$45.00}. I have made several calls to the branch and corporate office, and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cash Call frequently keeps calling for a man named XXXX XXXX even after I had repeatedly told them to stop calling my XXXX year old son 's phone, looking for a man that we do not know. It has gotten to the point where we tried blocking the numbers but they kept calling from new numbers. This has been happening since XX/XX/2015, and we are tired of it.

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 2017-01-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Professional Recovery Management
State: TN

Complaint narrative:
This account was turned over to Fox Collection Center even though it had been include with a Chapter XXXX Bankruptcy and the Bankruptcy was discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 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: Nair & Levin, P.C.
State: CT

Complaint narrative:
I 've contacted Nair and Levin about a debt they state I owe. I requested from them in writing several times verification of the debt and which they failed to provide. My most recent one was after I sent them a letter stating that I would like verification and this time I faxed it over and still did n't receive a response from the debt collector. The debt collector has violated the fdcp by not validating the debt. If this matter is n't resolved I will file a federal lawsuit. I 've ask for validations to be sent in the mail, verbally, by mail and by fax. This was not done, therefore the debt is not collectible. I have also filed various other complaints regarding the business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
OneMain is charging me 17.20 % interest on my car loan dated XXXX/XXXX/2014. Yet I just purchased a car and was financed elsewhere at 5 %. I asked OneMain if they would refinance me now that my credit is better and they refused. I have held off the last few payments as I have tried to get them to redo the loan at a fair rate. Instead all they do is harass me making phone calls to me from XXXX disserent numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Management Company
State: PA

Complaint narrative:
i paid the collection agency and they said within 2 weeks, the debt would be taken of my credit report. 
it has been a year and every time i have called i get the same answer that they are working on it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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:
I owed a final balance to XXXX XXXX XXXX located in XXXX, Wa. which was paid in full. The condo company sent the debt to National Credit Systems in XXXX to collect on the debt. After explaining to NCS that I had paid the debt, provided verified payment from a check that XXXX XXXX cashed, had XXXX XXXX contact NCS, they still have my account open and affecting my credit score.

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 2015-06-25 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: TX

Complaint narrative:
I lived from XXXX till XXXX in the apartment complex XXXX XXXX, XXXX, TX. This apartment complex was bought at the end of XXXX by XXXX XXXX XXXX. Upon leaving the apartment during XXXX XXXX I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of {$180.00}. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the XXXX notice i got from a debt that I do not know why I am being charged came from my credit report. This is causing a great harm to my credit history, and I have n't been able to get a mortgage because of it. I requested 25 days ago a debt validation notice and proof that they attempted to collect the debt before reporting it to the credit bureaus. I 've got nothing. I feel frustrated and unprotected from this company.

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 2015-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
Some one from XXXX XXXX keeps calling my work phone number and hanging up. I spoke to a rep once and informed that the person they are trying to reach no longer works here. They call every other day and hang up as soon as i answer the call.

Company response to consumer: Closed
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management
State: TX

Complaint narrative:
I was XXXX, and was referred to XXXX. I informed the Physician, and every Assistant I did not want the treatment and did not feel I needed it. I was told by the XXXX and Assistants they wanted to fit me for their equipment if I decided to change my mind. I got absolutely got no service from this company. They are effecting my livelihood by reporting negative incorrect information.

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 2015-10-07 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: LJ Ross Associates
State: MD

Complaint narrative:
I sent several letter for L J Ross Associates to validate the date because I never had a XXXX, they sent me a final bill with an address that I never lived at, I then sent correspondence to them asking them to let me know when it was opened and when it was closed and explaining to them that the account was not mine, they never responded after that and the are still reporting on my credit report as well as sending updates to the credit bureau, How can they verify and send updates to the credit bureau but fail to respond to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Corporation of America
State: MA

Complaint narrative:
Brief description, This is for a medical bill for {$100.00}. I 've been XXXX three times in the last 12 months, and this is XXXX of XXXX bills left that I have been tackling. My accounts were sold to a collection agency for my deductible portions before I even recovered. This Financial Corp of America, called my brother 's home number, XXXX towns away with a different last name, and left a message for me on his family 's machine saying it was from a debt collector for ME giving my name. I called them back and asked how they got his number and they said it was listed as an emergency contact in my medical records. I would like to know how a medical collection agency has access to my medical records if this is in fact how they got his number. My brother is not listed on anything, anywhere. They also confirmed that they do have my correct address and phone number so there was no reason to call my family other than pure harassment. My family has been worried about me enough over 12 months, letting them know I have debt as well as a result of being sick is is more for them to worry about. I 'm beyond upset over this. My brother has the recorded call and the agency has my recorded call when I called on XX/XX/XXXX at XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates
State: PA

Complaint narrative:
L J Ross will not stop calling me. They called me countless times during work and I am unable to pick up. Every time I called them back, they said my number is not in their system and I do not have an account and their IT department would resolve this issue. I finally sent a cease and desist via certified mail and still continue to receive calls. I am now pursuing civil action against them for their numerous violations against the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: LJ Ross Associates
State: IL

Complaint narrative:
I moved from my apt in XXXX XXXX. I called Comed to cancel service to what they told me to wait for my final bill which never came. I have not received any bills and once i finally received that letter in the mail ( 2 days ago ) it said I had 30 days to dispute the validity of the debt ( needless to say I had no idea Comed sent me to collections until I got the letter and saw in my credit report ) I tried to settle and explained to both collection agency and comed that I will pay for the bill but I didnt pay an XXXX bill because I simply never received it. I do not know why I also explained I live in a rental property so the landlord might have taken the mail, I got ONE letter no phone calls no voicemails nothing and now I am trying to settle, pay them the XXXX bucks but they refuse to remove the debt from collections they were despreciative both credit collection and comed only because I am a XXXX woman with an accent they are XXXX and have no compassion please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
They are calling me at my place of employment after I told them they can not contact me there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 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: AFNI INC.
State: GA

Complaint narrative:
On XXXX XXXX agent XXXX from Afni collection agency called us and tried to collect money, we told him that we dont want them to contact us by phone or mail because we are in no dept and the has is in dispute, this keep badgering us about we should pay them money, my wife told him that we are disputing this dept he still insist with the credit bureau we hang up the phone, my wife then check with the credit bureau 's and at that time she realize that this credit agency made report to the XXXX bureau 's within fifteen minutes of the conversation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
This debt collection agency has filed a XXXX on XXXX 2015 for the amount of {$3200.00} now they are trying to garnish my wadges but the amount they are claiming is now {$3900.00}. This is getting to be ridiculus. They are changing amounts and now they have the writ and are trying to garnish my wages. I need for them to just set up a payment plan but they want even negoiate any terms with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I received a call regarding an old disputed medical debt. We have fought the original creditor because I was on XXXX and no bill should of existed. The collection agency was told of this dispute yet still applied the disputed, inaccurate item on my credit bureaus. When I requested they validate the debt they responded with a letter claiming we can validate but due to HIPPA Regulation we ca n't supply that information. So they reported information on my credit history but refused to validate the debt. They have violated FDCPA and FCRA and even though I have disputed this debt that they refuse to validate, they continue to report the inaccurate information damaging my good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: LJ Ross Associates
State: MI

Complaint narrative:
The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there have been attempts to open accounts from an address that is unknown to me in my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Western Union XXXX My WU # XXXX - XXXX : Gentlemen : I, this night, have tried to transmit funds to a friend out of the country. 

Transaction Code XXXX. 

After entering my credit card data and you drafted my account for {$140.00}, I received notification that you, for some unknown reason, have rejected my attempt. 

I have sent funds via WU on line several times within the past year without any problems. Now you tell me that I do not comply with your company policy. 

Before you respond, please be aware that my identity was stolen by another person with the same name who alleged he was me. If you check Facebook for XXXX, you will see three pics. The younger one is also an imposter that has an address in XXXX, Tx. 

I am the older one with the clean shaven face. 

The third one with the goatee is a scammer being hunted by the Kansas policy and the FBI. I know for a fact that he has scammed a lady in Kansas of {$250000.00}. 

I have been in touch with the police and with the lady and have been cleared of any participation. 

My correct address is XXXX. ; in XXXX, TX XXXX. And my phone number is XXXX. 

I do n't send month regularly overseas, but now with your denial of service, I am concerned and want to know what information you have that has made you cease doing business with me. 

If necessary, I can provide you with my valid TX DL to prove my identity. 

I am a XXXX Veteran of the XXXX, am XXXX years old, and I am sure you would not want this to be broadcast over the internet or TV airways as to your singling out someone like me to XXXX, of the XXXX American Vets, or XXXX regarding your treatment of me, without any consultation. 

Furthermore, I am distressed that you accepted my credit card payment, denied my transaction, and then l am told that I will have to wait 5 to 10 business days before the funds are returned to my credit card bank. THIS IS TOTALLY UNACCEPTABLE. In light of today 's computer technologies, you accepted payment right away, are holding the funds, and thusly, I have incurred charges on my bill. 

I trust you will do the right thing and amend this existing situation right away. 

Furthermore, I feel that I have been unjustly treated with your actions and failure to assist in correcting this. Consequently, I am notifying the Texas Department of Banking, as well as your Consumer Financial Protection Bureau Sincerely, XXXX CC : Texas Department of Banking CC : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
I was reported late by Discover Card to the reporting agencies for XXXX and XXXX as XXXX days late for each month, but I was not allowed to change my billing date to accommodate my monthly federal payment date of the XXXX of the month ( which can post as late as XXXX of the month ). I got behind in XXXX and did not make a full payment trying to finish the larger high school tuition payments for my daughter and pay for her college acceptance monies that all took place in XXXX and XXXX XXXX payment was made every month typically the XXXX of the month and based on the online discover website. I paid a huge XXXX monthly payment over XXXX payments {$150.00} ( XXXX ) and {$330.00} ( XXXX ). Now, the discover representative told me today that I have no payment due in XXXX! The balance minimums due in the online system were for XXXX and XXXX? And, they reported me late for XXXX after paying what was asked of {$480.00}. They refused to change my billing payment date until today to the XXXX of each month so the cycle billing date would align me the way I asked for it to do in XXXX. My credit has been adversely affected for the first time in XXXX plus years as I have not been late in the past. AND, I did make payments each month, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representative did not care that I have been a good customer and always made my payments. And, that somehow I got caught in a billing cycle mess that I just now was able to get out of. BUT, to report me and then say you do not owe a payment for XXXX after all of these payments and report me late XXXX days for XXXX and XX/XX/XXXX. I told the representative that I would still make my payment on XX/XX/XXXX regardless that her system shows no balance due because I make monthly payments. Please help me to get this credit issue fixed if you can.

Company response to consumer: Closed with explanation