vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-28 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:
This is in reference to a balance due on a eviction from XXXX XXXX XXXX on XXXX AZ. 

XX/XX/2015 I spoke with a XXXX XXXX a Debt collector at National Credit Systems Inc. I advised her that XXXX XXXX signed my XXXX lease 12 month lease and was not on any subsequent leases. I was the only person that signed the lease that was terminated in XXXX 2015. I advised her that any contact or threats of reporting to her credit report would be unlawful and I would seek legal remedy. 

XX/XX/2015 XXXX XXXX contacted XXXX XXXX via telephone and advised her that collections has proceeded against her and pending bad mark on credit report. This is a debt that is MINE ALONE which the property management is aware. XXXX XXXX completely disregarded our phone conversation on XX/XX/2015. XXXX XXXX advised her that was not on my lease ( 2015 ) and not to contact her again regarding her son 's personal business. She terminated the call. 

XXXX XXXX and National Credit Systems Inc has violated the FDCPA restrictions on 3rd party disclosure. I feel that these tatics are unlawful and violations of Unfair, Deceptive or Abusive Acts and Practices and this has prompted me to file another complaint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I am filing this complaint for a client of XXXX XXXX XXXX. He is in our debt settlement program. OneMain Financial has called his work on many occasions after being told by him that it will impact his job. He has since been given a verbal and then a written at work due to the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
PennCredit Corporation is attempting to collet a debt. I have closed my XXXX account for insufficient funds. I have not used my XXXX account since I called to the agent and I closed it. I just had {$10.00}. Now, they sent a notice of collection. First of all, I am in a hardship ( economy crisis ) and I am not able to pay {$48.00}. They are out of their mind. One again, I have not used the 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 2015-08-12 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
The original loan from Cash Call was for {$2600.00} approximately two years ago and now has gone to a debt collector for a total of {$11000.00}. When I applied for the loan originally, I went to their website to apply and consider whether to take the loan. Literally right after submitting my personal information and also before being allowed to finish the online process, I received a phone call, while at work, from a very aggressive and pushy salesperson type of representative. This person talked very fast knowing I was at work and persuaded me to accept the loan. There was never any paperwork for me to sign. Everything was explained verbally and very fast and I was directed to a website where I had to agree to terms I was n't clear on via E-signature. I never received and additional information through email or regular mail afterwards. The loan was deposited into my checking account almost immediately and I found out after the first automatic payment was taken that the payments were going to be over {$500.00} per month which I do not recall agreeing to such an outstandingly high ammount. That loan eventually led to the my checking account being closed and the beginning of a financial meltdown in my life. I originally thought of the loan as a way to consolidate debts into XXXX payment that would be less than I was paying but It turned out to be much worse. I lost my car, my banking account, my credit and almost my home.

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 2016-06-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
I was never late in paying my SpringLeaf credit card account. The account has autopay set up through springleaf and that has been the mode of payment for years. I have n't even used my credit card/ credit line for years, all I have done was pay it off. Springleaf purchased my account off beneficial and continued to get payment through autopay. 
I do n't know how they can justify destroying my credit over {$20.00}. Springleaf charged me a yearly fee of {$20.00} which I did n't even know about and then compounded late fees on top of it and reported me to the credit bureau. Autopay/ Directpay should have kicked in and I should n't have been late. Springleaf made no attempts to even prompt me that something was wrong. They sent a statement and that was all they did. Other creditors call or send email to make sure their customer is aware of a problem with their account. It is called good faith and Springleaf operated without a conscience. 
Because I assumed I owed nothing and if I did autopay would kick in, I did not know about any late payment until I pulled my credit in XXXX 2016. My credit score has dropped at least XXXX points because of {$20.00}! When I called springleaf they tried to force me to pay over {$70.00}. I refused to pay a fee I do n't agree with. I told Springleaf I did not want their credit anymore but they insisted I owed them. That card has been dormant for over 2 years. Their behavior is not in good faith and I dispute the charges, late fees and the late report to the credit bureau. Please investigate and remove the negative information off my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I went onto Springleaf 's website to see if I prequalified, and it states " I understand that checking to see if a prequalified offer is available for me will not affect my credit score and that this is not a loan application. If an offer is available for me, I will still need to apply. '' So I have never been told that I need to apply, I was asked more information. This morning I had a hard inquiry but I never signed anything or was told that they will be doing a hard pull on my credit report or I would have not gone through with giving anymore information. I called and the lady said that ALL financial companies do a hard pull. So I feel like they trick the customer by showing this will no affect your credit score. They should have told me that up front but they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: L. Blake Morris
State: NY

Complaint narrative:
They keep calling my girlfriend, after i already provide them my main number where they can clearly let me a voice mail or anything so they continue harassing me for a payment that already have made and delivery to them as requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC.
State: FL

Complaint narrative:
I owed a company for a loan I applied for XX/XX/XXXX. XX/XX/XXXX, I began making the payments with a collection company. I was to make 8 payments, then the loan would be paid in full. I made the last payment XX/XX/XXXX and was promised a paid in full letter. I paid a total of {$1400.00}. XX/XX/XXXX, another collection agency contacted a couple of family members stating that I was being charged with fraud. I immediately called and found out that it was a XXXX collection agency trying to collect for the same company. They proceeded to tell me that there was a APB out on my car and the police were in route to come and arrest me. She proceeded telling me she can stop the police if I come up with the balance before XXXX. I tried to explain to her that I had already paid that debt off. But she said that I could explain that to the judge. My kids and I was terrified. We thought I was going to jail. I borrowed my mother 's credit card and paid the balance ... {$1600.00}. They sent me a paid in full letter. By that time, I received a paid in full letter from the first collection company. When I really think back, it never really clicked that this could be a scam. I 'm not sure what happened. These XXXX collection agencies were collecting for the same company. I 'm currently getting my credit repaired. Letters of validation were sent out on my behalf to this particular company. I received the original contract and a letter stating that the debt was sold XX/XX/XXXX, to a totally different collection agency.

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 2015-06-09 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: KY

Complaint narrative:
I received a letter from National Credit Services indicating they collecting on an old debt from a former apartment complex. I sent in writing a letter disputing the debt and the amount owed. The next communication I received from them was a letter stating I failed to setup and arrangement or respond and they were getting ready to report to the credit bureau ( dated XXXX XXXX ). After receiving the letter on XXXX XXXX I called to inquire about my dispute. The agent was very rude stating they verified with the apartment complex and it was valid. He told me a letter was sent XXXX XXXX. I told him I only received the XXXX XXXX letter with no mention of a dispute, letter, or bill. He stated they did n't have to send it and continued to try to collect the debt. I requested a supervisor who also stated they sent it, I was on a recorded line and they had me on tape saying I received it. I again stated I had not received a statement or acknowledgement of the dispute and I believed they could not report until they acknowledged my dispute and validated the debt. He told me they would report me over the weekend of XXXX XXXX if I did not make a payment, he offered to set up a payment plan then stated he would send me bill from the creditor after I did so. I setup a payment to receive a copy of the bill and save my credit score. I do not believe this company followed the law because they did not send me verification of the debt, prior to continuing collection efforts. To date I have n't still have n't received a copy of the bill which they allege they initially sent on XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
US Magistrate XXXX has closed this Case. 

Yet, the Proprietor/Defendent is insistent upon A Contiuning Gross Charging in a Cases of Gross Fraud, Theft and Scamming.

Company public response: Company disputes the facts presented in the complaint
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: NC

Complaint narrative:
About a year ago I had to break the lease at my apartment complex, XXXX XXXX at XXXX XXXX, due to work related issues. This resulted in a balance due on my account which I was unable to pay by the deadline and as a result my account was referred to a debt collector, National Credit Systems. When my account was referred to this debt collector the apartment complex provided them with my contact information. I know this because I have been receiving communications from National Credit Systems for a few months now. Today I received a text message from an ex-boyfriend/friend whom I have n't spoken to in about a year stating an XXXX XXXX called his cell phone and left a message looking for me. Upon calling the number that was left in the message I realized the call had come from National Credit Systems and was in regards to the debt from XXXX XXXX XXXX. Even though this company has ALL of my contact information, they somehow felt the need to reach out to the individual I listed as my emergency contact on my rental application in an attempt to locate me. This not only blew my mind, but was rather confusing to me being that they already have my contact information. The phone number they have for me is in service and always has been and they have contacted me on that number before. The mailing address they have is a good address and they are aware of this because I continue to receive mail from them. I 'm not sure if this is normal practice but when I listed an emergency contact on my rental application I was under the impression that individual would ONLY be contacted in the event of an emergency while I was a resident at the complex. I was not aware that this individual would be subject to receive calls from debt collectors attempting to locate me a year after I vacated the property. I 'm not even sure why the apartment complex provided my emergency contact person 's information to the debt collector in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: NC

Complaint narrative:
XXXX 2013 I Took out a XXXX dollar loan with XXXX XXXX. immediately I was charged a {$500.00} Processing Fee. when they money and the paper work came in I found out that I was paying 233.40 percent annum on this loan. I felt like I was getting taken advantage of because the way they processed the loan I was not aware that the interest rate was so high. My payment was XXXX per month. the total loan pay back was {$4800.00} and the interest pay back was {$3800.00}. My loan was transferred to Cash Call in California before my first Payment was ever maid. I thought something seemed fishy but I went on to pay the loan and pay it off on time. The loan was drawn directly from my bank account on ACH. I recently found out about this Lawsuit that the CFPD had with Cash Call and come to learn that Cash Call and XXXX was breaking the law with this loan and they were over charging interest and Processing fees to me. NC State Statute XXXX caps the interest rate at 30 % and only allows lenders to charge us {$25.00} Processing Fee. According to North Carolina Law I should have only paid {$360.00} in interest and Fees. I was over charged by {$3900.00}. List below is a loan calculator results with what should have been a legal loan with western sky and Cash Call. I certainly hope that CFPD follows up with this and I can see a refund of all the over charged interest and fees. 

Calculation ResultsThe calculation results for the loan payoff calculator appear below. 
{$1000.00} LoanMonths to pay off debt:XXXXTotal interest you will pay : $ XXXXTotal to pay back : {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 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: OH

Complaint narrative:
This debt is not valid. The information is inaccurate. They are trying to charge me for things that did not even exist. They said I owe XXXX but in cost to repair it says XXXX dollars. Then when I ask for explanation of charges they send me a maintenance price list in which half of the items are not even on the move out sheet. This has cost my family to be homeless among many other things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 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:
Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor attempt at collections? I would like this issue addressed.

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 2016-12-20 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: Genesis Credit Management, LLC
State: WA

Complaint narrative:
Sent Letter of Validation to creditor and CC 'd bureaus XX/XX/2016. Creditor failed to respond within 30 days to the Letter of Validation. 
Sent Failure to Respond and request for removal to credit bureaus on XX/XX/2016. Received response from bureau, they did not remove item. 
Genesis Credit Management ( collector ) sent partial information on debt on XX/XX/2016, a full 90 after we had sent the original Letter of Validation. We ask that this debt be removed according to the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I was 3 months late on payments, I have a installment loan with my car title securing the note

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Have an balance for an apartment 3 years passed do I 'm willing to pay ONLY my half since it 's joint. First they say I could not pay just my half then they say I could then I ask for a payment arrangement since I do n't have all that money then hopefully once my half.is paid I will have gotten in touch with the other person. They told me no so I do n't understand how you want your money if you do n't work it out. All of the staff are rude I will basically say the people.over the customer service ... do n't know how to tlk to anyone anyone as anyone as of they have arrangements attitude a rang men tatting the fact to bring up how long a debt is old is ridiculous. If someone someone is willing to pay pay something off why not help ... NATIONAL CREDIT SYSTEM OF XXXX IS RUDE AND ITS RIDICULOUS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did sent a letter to Experian in indication of negative information on my Credit report, in which never responded back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
Cocentric Recievables has been reporting a negative account that does not belong to me. I sent in a dispute to them and asked them to investigate this, and delete it from my credit file. They never responded. They also never changed the status of this account to " in dispute '' with the credit bureaus. This was almost 5 months ago! This is unprofessional and unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written to Experian on several occasions disputing the fact that listed below are incorrect. The credit bureau refused to respond or continues to state that they verified the debt. Without Verifiable Proof ( an original Consumer Contract with my Signature on it ) .The account are the items the credit bureau has refused to investigate XXXX FL 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