vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CASHCALL, INC.
State: NJ

Complaint narrative:
Eight years ago I took out a payday loan from Cashcall/XXXX. I paid them back and the matter was closed. However, almost immediately after my husband XXXX ( he is ion the XXXX XXXX XXXX ) in XXXX of 2014, I have been receiving threatening calls from random phone numbers all over the US saying that I am going to be served with papers and my wages are going to be garnished if I do not pay my loan. They also try to get me to pay them what I owe right then and there so I would not get served with the fictitious papers. Of course, I have never been served and my wages are just fine. I know these are all scams so I ignored them. 

The other day I returned a missed call on my cell phone. The area code was XXXX, which is XXXX, New York. I returned the call because my husband just transferred his GI Bill to me and I am trying to use it for XXXX school, so I believed this numbered belonged to the Regional VA office that is in fact, in XXXX. Instead, it was a no-name debt collection office saying that Cashcall has referred my past due account to them because I owe them {$8100.00} on a loan I took out 3 years ago. I did not take out a loan 3 years ago. 

Once more, I was told my wages will be garnished and I 'm having papers filed against me and I will be served. The woman I spoke with told me that they have already attempted to serve me with papers multiple times at my old address, which is my parents ' address, which has never happened. 

Although I am very confident this is a scam, it has n't ceased, and as someone who was once in a poor financial situation, it makes my XXXX every time! I am really at my wits end, and I can not imagine how many other people experience this, and how many other people actually actually pay out of fear. 

These people obviously know that I previously had a loan from Cashcall and now using this information to prey on me. All of their claims are absolute nonsense, but it still makes me extremely nervous. 

The phone number I called was ( XXXX ) XXXX. 

Alos, here is a list of the other phone numbers:XXXXXXXXI do not know how to proceed to stop these scammers from bothering me. It seems to be quite an elaborate operation! Again, although I am pretty confident it is a scam, it is still scary. And for the sake of all the other people who go through this, someone needs to step in and get these people.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I recently received a letter from a collection agency for a debt that is 25 yrs old from the Public Defenders Office, I 've done some research on the matter and have an understanding it 's a time barred debt according to 2A:14-1, also reporting a collection is 7 years, furthermore, through my research I conclude that 25 years is past any statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE FIRM, INC., THE
State: PA

Complaint narrative:
I was contacted about a request for a mortgage pre-qualification that I made via email on the website XXXX. I was replied to by a XXXX XXXX, who works at The Mortgage Firm in XXXX XXXX, FL. He sent a very disturbingly-worded email to me. I told him he was upsetting me and asked that he not send any further emails. He ignored this and proceeded to send me an email that listed the name " XXXX XXXX '' as the subject line. I had recently contacted a XXXX XXXX, as he is a broker from whom I requested information on a property for sale ... and XXXX XXXX should have had no knowledge of my correspondence with XXXX XXXX. In my mind, there is no possibility that XXXX XXXX ' name could have been mentioned as mere coincidence, as XXXX XXXX and I had never discussed brokers or specific properties in any capacity. This leads me to believe that XXXX XXXX somehow gained access to my email inbox - the only other explanation is that the XXXX men may know each other, and happened to discuss me prior to this second email being sent to me ( this is not professional behavior on their part, if so ). Following my receipt of this second email, I blocked XXXX XXXX from contacting me, but I am still shaken by his knowledge of my personal contacts, and by his disturbing first letter to me. I filed a complaint with the XXXX, but The Mortgage Firm failed to respond to my complaint - they are behaving as if I never filed a complaint at all. I wrote to The Mortgage Firm directly, and also received no response ... I then attempted to call, and they put me on hold in order to hang up on me the moment I gave my name. The attempt I made to call back after this happened was not answered.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I straightened out an issue regarding a tax amount that the state of VA thought I owed almost 2 years ago. Now I get a letter from a Penn Credit Corporation stating that I owe the amount. I called and stated that the info they have is inaccurate. They informed me that I was my problem that I had to straighten out with the state of Virginia and give them proof. I do n't want to take the time to go through this again. Is n't there some responsibility placed on the shoulders of the collector and at what point does it become harassment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
MY NAME IS : XXXX XXXX XXXX XXXX ) XXXXI BORROWED {$7000.00} FROM SPRINGLEAF FOR XXXX MONTHSAT {$3000.00} INTEREST FOR SAME PERIOD. I HAVE PAID TODATE {$8000.00}. I BELIEVE THAT I HAVE PAID THIS LOAN INFULL PLUS {$1000.00} IN INTEREST. 
NOW THEY ARE SAYING THAT I BORROED {$10000.00} AND I STILL OWE THEM {$2000.00}. THEY WOULD NOT TELL MEHOW MUCH OF MY {$280.00} MONTHLY PAY WAS APLY TOTHE INTEREST AND HOW MUCH WAS APPLIED TO THEPRINCIPAL. I AM ASKING YOUR HELP IN THIS MATTER. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I took out a {$4000.00} loan with Springleaf Financial Services. I applied online for the loan. I went into the company 's office to pick up the loan check and to complete the process.The loan term was to be 36 months, with a payment of {$190.00}. The loan specialist showed where they had applied several insurances unemployment, XXXX, and XXXX different accidental death. I told him I did not want the insurances. 
The worker assured me the insurance would be removed from the loan. The date of stated above loan was XXXX/XXXX/2015. According to Springleaf policy my documents would be emailed to me. I made 10 payments on time .i received {$1500.00} loan on XXXX/XXXX/2015. It was to be same 36 month term as the first loan. Payments were to be {$260.00} a month. As before I did not want the insurance. I received my payment statement for the combined loan with a balance {$12000.00}. I had only borrowed a total of {$5500.00}. I called spoke with XXXX the manager, she told me if I only made the minimum payment it would be the {$12000.00} amount. I went to their office and got the paperwork I never received. I am completely horrified at the amounts I was charged and what was added to not one loan but both! The XXXX loan I was charged {$1100.00} for insurance premium s I had declined. I only borrowed {$4000.00} but it showed I had financed {$5100.00} with pre computed interest added {$3100.00} with the loan term 42 months! This was not the amount and terms I had agreed. The 24 % APR turned out to be 28.86 %. The XXXX loan was combined and another {$2000.00} in insurance premiums added to the original {$1500.00} loan amount. The amount financed was {$7500.00} with interest {$4900.00}. The term was for 48 months This is predatory lending at its worst! I have called and spoke to several staff and managers each time I am told something different. When I said I did not want the insurance on either loans and it was only 36 months. XXXX said I could not pick the loan term duration ... Why was I asked then! The insurance premiums total the amount of {$3200.00} then with pre computed interest added to each payment, over {$5000.00} added to the original loan amount combined of {$5500.00}. I have kept my ground and when they realized I had been charged for the same type insurance twice on the last loan, they made arrangements to refund the premiums of the XXXX loan in the amount of {$2000.00}. I do not find this acceptable. I want the amount of the XXXX loan insurance premium {$1100.00} plus interest that was added to the full amount of {$3200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I heard a radio ad for getting a 15 year mortgage loan for 2.5 % with NO costs from CASH CALL company here in California. I applied because I had a very high fico score and good income. I was told that I was accepted for a loan. I filled out all the documents and submitted all the documents as required. I was told that I was approved for a loan. Loan documents were submitted to me for signing in front of their notary and the process was completed. I waited to hear from the company and did not hear back. I finally requested to hear a reason and they said that when they did a " FINAL '' review that I had just missed the cutoff for qualifying for the loan. They offerred to do a loan at a higher rate. I told them no way. They said they had the right to not give me a loan based on the " final '' review. I explained that they had made some mistakes not in my favor and that I should have gotten the loan. I told them they wasted my time and that I missed the window to get a great rate because of them. They were the ones that had said I was approved and I deserved the loan as I did everythiung they asked and had CONCLUDED with an official signing of the loan docs which in my book meant the loan was done and completed. They disagreed. I have resented this situation since that time. I was told recently by a loan broker that once the loan was signed that as long as I did everything correctly which I did they had to give me the loan and that their refusal is actually illegal and that they must make good on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: AL

Complaint narrative:
Paid the debt collection and wo n't take it off my credit. Holding potential for credit score to be higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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:
I lived at XXXX XXXX XXXX, Apartment XXXX, XXXX, TX XXXX from XXXX XXXX to XXXX XXXX. In XXXX of XXXX, I received an email from the apartment stating that I owed XXXX to them for damages to the apartment. This debt was paid in full by money order on XXXX, one day before their deadline of XXXX. I received an email from XXXX XXXX on XXXX confirming that the amount owed was paid in full and never heard another word from them again. 

In XXXX of XXXX, seven months after paying off the debt, the apartment reported to a collection agency that I still owed XXXX. I did not discover this until i had my credit pulled. Not once ever have I been called, mailed, emailed or even remotely contacted about this debt. All attempts to contact the apartment management have failed and they do not respond to calls or emails. 

The worst thing about all of this is that not XXXX person from the debt collection agency has contacted me regarding this so called collection, and it has become a massive burden on my credit report. The apartment refuses to speak to me unless I can provide a money order receipt, which I do not have as this was three years ago and I have lost it. I do have their emails, however, confirming the debt was paid! But even that will not satisfy them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: GA

Complaint narrative:
I am being denied a current XX/XX/XXXX QWR response, which was sent certified and signed as received by an employee of Nationwide Advantage Mortgage Company. I want to see the after effects of my information, the XX/XX/XXXX QWR first request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Bayside Capital Services, LLC
State: VA

Complaint narrative:
This complaint is a follow up from my complaint submitted yesterday, ( XXXX ) please add the additional details, after leaving a message again for XXXX XXXX ( XXXX ) he called back leaving another message identifying himself as the general manager for a company called Bayside Capitol Services number he called from unrestricted XXXX, I have no idea who this company is or who they work for, they have misrepresented themselves as being XXXX XXXX XXXX to XXXX XXXX XXXX, verbal threats about coming to my place of employment and to make sure my supervisor is on hand to my home, this company has repeatedly harassed me by phone and now using my work phone, I believe this is the same company or group of people that reached out to my ex husband a few months back making statements that I would be arrested and go to jail and I needed to be found. I had someone call the number back yesterday, again this company does not identify themselves when answering the phone, only that they are with the filing department, all of them employed speak a good line and are intimidating, if you did n't know fair debt collection practices you would fall into the trap, Ive been guilty of this myself, this occurred to me XX/XX/XXXX see my previous comments, these people are nasty!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Title loan
Issue: Received a loan I didn't apply for — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
onemain is on my credit report as a hardpull i have never applied with them so when i called the place to check on this the man that answered said that XXXX was the one that caused this and he just had another person with the same issue ... i said no matter what your name is on my credit report and i wanted it pulled off ... it got nowhere i called XXXX and they do n't even have me on there records ... funny thing the onemain had my file and i did n't even apply with them because he brought up a account of mine and asked what that was about ... i just want the hard pull off my report as i already have a id fraud issue going on and have to do all the foot work myself..after 53 years of raising my kids with just a bank account and debit card i apply for credit and see a whole bunch of id fraud..and people wonder why i never wanted credit ... lol here is the info, ONEMAIN FINANCIAL XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
I borrowed {$600.00} from XXXX XXXX and repaid almost {$800.00} in prinicipal interest and fees. They are now claiming that I owe an additional $ XXXX+ in fees and I believe it is unfair practices and predatory to require these additional monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc.
State: MN

Complaint narrative:
Because I have a common last name this company calls me daily looking for an individual that is not at my residence. I have called the number they provide to have them stop and I have been advised to call a new number. This appears like a fishing call so did not pursue. Tried to ignore so they would relize it was ineffective but they have not. I shouldnt need to call a number, they should know by their records where to call. Have not done business with them, they call DAILY or close to it, for more than a year. Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
I am writing on behalf of my XXXX XXXX XXXX mother who has XXXX accounts at FirstMerit Bank in XXXX Ohio. The bank was recently acquired by XXXX Bank. XXXX sold off branches as part of the deal and any customer that supposedly had an account at a branch that was sold was being transferred to the acquiring bank which is XXXX XXXX. 
The XXXX XXXX branch was sold and my mothers accounts were included in the sale. Problem is she never opened an account at XXXX XXXX which is XXXX plus miles from her home. She was slammed into a branch that she never used I think to bolster a weak branch up for the sale and transfer to XXXX XXXX. My mother is not mobile and this puts an undue burden on her to do her banking. I and she wishes to keep her accounts at XXXX. I feel this was a sneaky and unfair, deceptive, and abusive action to benefit FirstMerit at the expense of an elderly and defenseless woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
Upon researching this debt, I 've discovered it 's a time-barred debt that I thought was removed from my debt years ago. This debt is from XXXX, according to the paperwork I acquired from the XXXX XXXX County courthouse, however, I believe this was originally from XXXX. This debt was unknown to me until I received a writ of garnishment from my employer. When I contacted the Vinci Law Office on XXXX XXXX, XXXX I was advised they could n't tell me when I was served court paperwork, and to go to the courthouse to obtain that information. On XXXX XXXX, XXXX I got the Affidavit of Service, which has false information. It says a substitute was served at my ( previous ) residence on XXXX XXXX, XXXX to XXXX XXXX as Sister and Resident. However, I was the only tenant at that address, and the only person I know close to that name is my ex-mother in law ( divorce final in XXXX ), whom has never been to that house, and is not my sister. Not only do I believe this to be a time-barred debt, but a FALSE Affidavit of Service was filed. Due to these unlawful debt collecting practices, I request this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mid-Atlantic Consumer Services
State: KY

Complaint narrative:
Back to back calls about a " legal matter ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
Monkey Key Never Told Me That The Fee They Charge When You Make The Loan Also Is Charged Interest Too. And Can Bring Your Loan Pass You Iimit Which Brings You To a Higher Loan Rate For Your Loan ... They Charge Fees Before And After I Make A Payment.Leaving Me Paying Nothing On The loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Mid-Atlantic Consumer Services
State: PA

Complaint narrative:
I recently received notification from my bank the my account had been levied by Mid-Atlantic Recovery by way of XXXX XXXX regarding a debt that is more than 10 years old. I did n't receive any written notification to appear in court so that I could dispute it. O have sent a letter to XXXX XXXX questioning the original debtor and how can they initiate legal action against me on an old debt. I am awaiting a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XXXX/XXXX/2015 I have made a money transfer to XXXX through WESTER UNION service for {$120.00} plus XXXX fee charge. Making a total of XXXX using my debit card XXXX XXXX XXXX. 
But them I call them right away to make this transfer to be canceled, they have pomiise meThey will returned my money into my bank account, I wait for my refund that never happened I have make several calls to them they said they are working on this issued Also they said my refund will be on my checking account in XXXX hours .but nothing has been doneSo can you please help me with this situation

Company response to consumer: Closed with explanation