vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I got a credit alert from my credit monitoring service that there was a change in my credit bureau. I went online and looked at it and saw simply a reference to a collection from a company called National Credit Systems. I had never received a phone call or letter or any other communication from this company. 

I called their offices as soon as it opened, inquired about the debt they were collecting on, and realized it was related to an early termination fee from an apartment I was renting in XXXX! I do n't dispute the amount, but I was never billed for the early termination fee and did n't know it was outstanding. 

So, I informed the agent that I had never received notice from the apartment company or from the collection agency that anyone was trying to collect. I told him I would pay the debt that day, which I did, if he could ensure that it would be expunged from my credit bureau because I 've never gotten any phone calls or letters from anyone. The agent said " absolutely ''. He suggested that they did n't have any contact information for me even though I kept the same mailing address and phone number before, during and after the time I lived in the apartment. Surely the apartment complex had all that information from my initial application. Even so, a simple google search could have easily found me. 

I paid the bill that day and continued to follow up with the company about expunging the collection from my record because they had n't provided any notification or made any effort to notify me about collecting a debt. My bureaus show the credit as paid off, but its still on there as a derogatory, negatively impacting my credit score. 

I have no way to contact the prior apartment management as the complex was sold. And my attempts to resolve this with the collection agency have obviously yielded little result. 

I believe that a collection agency, as a furnisher of information to the credit bureaus, is required to Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. I received no such notification from the time I vacated the apartment ( XXXX XXXX ) until the time I got the alert from my credit monitoring ( XXXX XXXX )!!! 

Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX Penn credit keeps calling my unsolicited home phone looking for someone who is NOT, and has never been at this number. I have relayed this to Penn Credit on multiple occasions and they continue to harass us looking for this individual. I will be submitting complains in all possible ways. My home number is XXXX XXXX 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 2015-07-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Some one had stole my identity and got electric service in my name i filed a complaint with the company they investigated and found out it was identify theft and removed it from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: TX

Complaint narrative:
I took out a {$2500.00} loan from XXXX XXXX who sold it to XXXX XXXX who sold it to Cash Call. I just found out that they are collecting on a loan without a license in Texas. Cash Call placed my signature on documents with their company name on it and I did not sign anything with them. I was also informed they are not a payday loan company which means they are in violation of Texas statutes regarding APR in addition to lending without a license. I have already paid them approximately {$9000.00} and have just over {$3000.00} left. I do not feel like this is legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: 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: MO

Complaint narrative:
National Credit Systems , Inc. XXXX XXXX XXXX, XXXX, GA XXXX, XXXX or XXXX ) called multiple times with caller ID deceptively displaying " XXXX XXXX ''. Also, falsely reported to XXXX that myself and my daughter have an unpaid debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: WI

Complaint narrative:
My wife had an accident with a deer on XXXX XXXX with our 2012 XXXX XXXX and it was totalled. XXXX XXXX told me they paid FirstMerit {$10000.00} on XXXX XXXX. ( Loan Number XXXX XXXX ). We also had XXXX XXXX through XXXX XXXX on the car and the rest of what was owed to FirstMerit was roughly {$2600.00}. Finally this morning XXXX XXXX, after many calls and conversations with XXXX XXXX they finally had all the information they needed to pay the rest of the car off ( Their reference numbers for our case was XXXX and XXXX. 
FirstMerit called yesterday XXXX XXXX and wanted a car payment of {$290.00}. I believe I talked to a XXXX. I said we would not make that payment because the XXXX XXXX from XXXX XXXX was covering the rest of the car loan. She knew that was the case but still wanted our payment else would be delinquent on our payment. I contacted XXXX XXXX this morning and all the items they needed to pay off the rest of the loan were in order and the money would be allocated within 5 to 7 Business days. I figured I would call FirstMerit back and I got hold of a Man by the name of XXXX XXXX. I told him about XXXX XXXX making the rest of the loan payment within 5 to 7 business days and he said he would make a note of that. Then he proceeded to tell me we would be reported for 30 days over due because in 5 Days our payment would be overdue and we should make that payment of {$290.00} to stay current. I then proceeded to tell him everything I had told him before about XXXX XXXX making the payment within 5 to 7 business days and he came back with the same statement about we would be reported for a late payment if we did not make the {$270.00} late payment. I again told him the money would be there from XXXX XXXX and he said we would be considered 30 days late in 5 days. I asked him his name and he told me and I told him he should consider the circumstances and not consider us late. He then repeated the same 30 day information he had told me 2 times before. I told him to mark this down on his computer that we should not be late because the money was coming from XXXX XXXX. He said he could n't do that and started his 30 day speech again I was getting rather disgruntled with him so I said I was going to report him to a XXXX. I then hung up and got this information to make a complaint. 

Desired resolution is that we should not be turned into anyplace for a late payment. If it has been put in some record it should come off from our record immediately because of the timing of this whole issue. By this time FirstMerit would have received all their money and the late fees of {$20.00} should not apply also. 
I believe that XXXX was quite unprofessional and did not care to hear anything I was telling him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: American Coradius International LLC
State: LA

Complaint narrative:
On XX/XX/2017, I received a collection notice in the mail from American Coradius International LLC ( ACI ) stating that I owe {$480.00} to XXXX, and that I have 30 days to dispute the debt. The notice also states that ACI will settle for {$360.00} if I make the payment by XX/XX/2017. I 'm filing the complaint because I do n't owe XXXX any money. I have a XXXX account that I occasionally use for XXXX purchases, but it is connected to my bank account and the amount is immediately withdrawn. Based on what I 've read on the internet, I believe that this is a scam and I am requesting that legal action be taken against ACI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Reliant Financial Corporation
State: AZ

Complaint narrative:
I purchased a car that had a bad engine in XXXX 2011 from union XXXX in XXXX XXXX CA. I took the car in multiple times to have it fixed but the car company refused to fix it and basically said I was stuck with a car with a bad engine and I still was required to make payments. I was unable to afford to fix the car so I called the company and had them come pick it up. Shortly after they started contacting me to pay the amount owed but without a job or income, I could n't pay. Recently I have tried getting information as to how much is owed on the car once they sold it to no avail. The company will not cooperate and when I look on my credit report they are reporting the delinquent account twice and with XXXX separate account numbers and identifying information which is dramatically affecting my credit score and my everyday life. I did not have XXXX accounts with them so they should not be reporting this way. I have contacted the credit bureau to have the information corrected and have been doing so for years to no avail. Every time the company updates the information they update the name of the company or something else but they will not remove the duplicate listing. I have attached a copy of my credit report as of today and a copy of one from 3 years ago showing the difference in information being reported. I feel that this is fraud and the company needs to be held responsible. I am trying to rebuild my life after being a victim of the economic downturn and I find it hard to do so due to the fact that this company is blatantly violating the law by reporting this information inaccurately and refusing to remove it. I think you should investigate them and ensure that this behavior does not continue because damaging someones credit like this is not only unscrupulous but illegal according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
First merit only allows method of payment limited to those that do not have a checking account with them. In the beginning of the loan i opened a checking account which was closed due to i did not always use the account. I opened just so i had a way to make payments online. They offered a {$25.00} bonus check for opening a new account which i was not allowed to receive seeing that my account closed. Now i have to submit my payment by cash only i went in on XXXX to make a payment with {$440.00} for my payment of {$430.00}. The clerk misplaced or took {$200.00} of my payment making me late for the month payment. Advising the bank of the issue they proceeded to tell me that because of the way i look i am not trustworthy. To me this is not the proper way you treat customers and i have advised everyone to stay away from this bank. I feel like i was discriminated against due to the fact that i was a single girl that wears hoodies and jeans and not because i did not go into the bank with a suit on or dress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13 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: American Coradius International LLC
State: PA

Complaint narrative:
I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but XXXX told us we lost the dispute. XXXX sent my business 's debt to collection and both the debt collector and XXXX informed me that the debt was to me personally, not my business. Both told me that although I have a business XXXX account, somehow XXXX circumvents this. Neither were able to tell me legally how this is possible or where in the XXXX user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc
State: IN

Complaint narrative:
Hello. For a few months now I have been receiving a very threatening email advising I need to pay a company by the name of US Fast Cash/ Adavance Cash XXXX a total of close to {$1000.00}. They are stating that if I do not make the payment they will take me to court. Multiple times I have replied back advising I would like a physical copy of the debt mailed to me via US mail as I am not paying a loan I never took out. I have to email them back as there is absolutely NO contact information listed in their email. The email address is XXXXXXXXXXXX which I do not believe to be valid for an organization. I will seek legal counsel if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
A business called CBSC keeps calling leaving a very vague recorded message that they are calling about a debt collection and that is it. It is the exact same message every time. This has been going on for two months. The call is coming from XXXX. 
They will not say who they are calling for and on who they are calling on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
After moving from a house that I was renting I received a collections notice in the amount of {$4700.00} from Capital Accounts. When asking them what the amount was pertaining to they stated it was from XXXX XXXX XXXX whom we rented from. I do not owe XXXX property management any debt nor this company. Upon viewing my rights I sent Capital Accounts a certified letter to dispute the debt, Capital accounts did not validate the debt. They did not send any documentation proofing the amount they claimed I owed instead they placed the account in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Data Systems
State: NC

Complaint narrative:
On XXXX/XXXX/2016 Financial Data Systems " Collection Agency '' stated in writing that they would DELETE XXXX collection accounts that I was disputing if they were paid. I paid the disputed amounts by credit card to resolve the matter and received a letter stating they had requested the accounts be deleted. However, after seeing that XXXX of the XXXX accounts had not been removed from my XXXX Credit Report as agreed. I filed a dispute with XXXX and provided the letter from Financial Data Systems. Today, I was informed that the Financial Data Systems has responded to the dispute but had not deleted the account as agreed! I called Financial Data Systems and the representative stated that if I Paid {$75.00} they would delete the account within 4 Business Days! This is extortion and a violation of both Federal and State Laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: AL

Complaint narrative:
I keep getting calls requesting that I call them back. The rep does not identify the company they 're representing or what the call is in reference to. They call me at least twice a dayXXXX 5 times per week.

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 2016-02-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: STERLING JEWELERS, INC.
State: NM

Complaint narrative:
I ordered a bracelet from Jared.com and sent it back within 30 days. Jared Galleria of Jewelry continues to bill me and call me all hours of the day and night. I do not have the bracelet, yet Jared Galleria of Jewelry wants me to pay for a bracelet I do not have. I have requested a new billing statement but Jared Galleria of Jewelry has not done so. The XXXX confirmation shipping number to prove I shipped bracelet is XXXX XXXX XXXX XXXX XXXX. I appreciate any kind of assistance. Thanks. Email : XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC
State: MD

Complaint narrative:
I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Contract Callers Inc. is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Contract Callers Inc. and me which makes them entitled to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Contract Callers Inc. entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

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 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
On XX/XX/2016 at XXXX XXXX. I received a call from Capital Accounts Collection Agency. After already making a payment with the gentleman over the phone to set up a payment plan he wanted to put it on auto pay every month. I advised I did not like auto pay and would make the payment online or over the phone every month. He kept questioning why I did not like auto pay and saying it would still be sent to my credit report and no payment plan could be set up if I did not enroll in the auto pay. I told him I just did n't like it. I did n't feel I needed to explain my personal reasons to him since he had been badgering me the whole phone call. He then said " well people do n't like when you do n't pay them for 7 months ''. At that point I was so surprised I said " I do n't care '' and he said " clearly ''. I had previously explained in the phone conversation that I was unemployed ( due to my office closing down ) and that 's why I have n't been able to take care of this bill. After hanging up the phone with him I then called back and spoke with a very nice representative who thoroughly explained everything to me and at that point we did get the payment plan and auto pay set up. She was very understanding and made me feel completely comfortable setting everything up. The statements made by the previous representative were complete uncalled for. If he did n't act in the manner he had we could have accomplished all of that in the first phone call but he just kept pressuring me to use my credit cards for a larger payment and threatening to send all the information to my credit report when I was hesitating to make a payment. He did not try to be understanding or work with me in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation