vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have filed XXXX disputes with Experian in regard to the XXXX/XXXX auto loan on my credit report. Late payments are being reported in error. Each time I have disputed this issue, my report is then updated with MORE incorrect, conflicting information. This has happened several times. I have provided evidence to Experian indicating previous violations of the XXXX of the FCRA by XXXX/XXXX, and these violations occurred during the period that XXXX reported negative information on my loan. Please review the CFPB findings and fine issued against XXXX ( File No. XX/XX/XXXX-CFPB-0017 ). I want Experian to delete this tradeline from my credit history immediately, as they are in violation of the FRCA by continuing to report this negative information.

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 2015-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
Phone voice mail call received on XXXX XXXX from a " XXXX '' said he works for a company " First Source Advantage, LLC '' in regard to a unpaid debt. He left a callback number XXXX and a case number XXXX. 

I am a federal employee and have been involved in XXXX data breeches over my carrier. My SS number was used in a fraudulent tax return in 2013. 

I researched this company and it has been associated with fraud. Contacted FBI and they referred me to 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 2016-01-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My issue is with capital one gm flexible Earnings card. Everytime I call and make a payment on the automated system and its time for them to provide me with a confirmation number, the automated system " conviently cuts out, '' and I 'm not able to hear XXXX of the numbers /letters. At first when this occurred I honestly believed it was a system error but this has happened EVERY single time for months. I 'm starting to feel like this intentional on the credit card companies part nc there 's no way it could happen 10 consecutive months in a row. Its almost like they do n't want you to have the correct confirmation number so if something goes wrong you wont have proof you made a payment. I 'm usually an optimistic person but this has happens way to many months in a row for it be a system error everytime. Makes you wonder ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
I purchased a vehicle on XXXX from XXXX and I was approved twice through American Credit Acceptance. Now I am receiving a call from XXXX stating that I need to return the vehicle because they could not verify my income. I have been working XXXX for 13+ years and its not hard to find out. I received another call that stated that ACA was not going to finance the vehicle now. My question is why was I approved not once but XXXX in one day and now all of a sudden after I have had the car for 13 days they are declining my approval? I called the company that is in my contract for approving my car laon and they do n't even have me in there system with a name or anything pertaining to the car I received. XXXX is n't telling me anything but bring the car back and they ca n't even give me answers as to why this is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Corporation of America
State: TX

Complaint narrative:
This is a followup to case XXXX. Per this case, Financial Corporation of America had stated the debt was valid and that an itemized bill ( which was part of my original request ) would be sent to me. I never received the itemized bill. I had not pursued this issue, as I had not received any correspondence. Last week, I again received a collection notice without any of my original concerns being addressed. Today I received a bill from Financial Corporation of America 's customer 's service providers as well which also did not detail the billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mid-Atlantic Consumer Services
State: MD

Complaint narrative:
I believe the company to be a scam, and trying to get money out of me. Contacted me on a " ten year old debt '' that I 've never heard of until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: IL

Complaint narrative:
this was a duplicate charge by the medical practitioner. A complaint should be filed for overbilling practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-03 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: OH

Complaint narrative:
I have never been contacted from the original creditor ( apartment complex ). after 3 months a debt collector contacted me and sent me unverified bills ( unreadable/blur ) and also none of those bills have my name on it, my ex-roommates only and they trying to charge me of the whole amount that i do n't know what it was for!! we left the apartment clean and they did n't say anything until after 3 months and never contacted me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NorthStar Technologies
State: OK

Complaint narrative:
I was notified by this company in XXXX 2015, that I owed a debt to them, and asked for debt validation immediately, and was never sent any debt validation. I received a letter XXXX/XXXX/2015 stating they would cease Collection Activities and no reporting to my credit bureaus. 
I received a summons that I am being sued XXXX XXXX by this company after stating they would not pursue the debt and in a XXXX that I do not reside, I never received any validation of this debt. It is not Valid it is Fraud, and after repeated requests I am know being sued in court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
I opened an account in 2014 with BECU that came with a free credit line for working with XXXX. Earlier this year I hit a snag with my paycheck at my job being switched and used the card as an emergency resource to eat. 
I thought I had the balance covered from having money taken out of my account, but when my card was going through I was told that when my balance was low, it was actually pulling the rest of the cost from the credit line. 
When I discovered this was happening, I called BECU and requested that this feature be turned off. By this point my credit line was closed because my checking account was {$0.00} and was unable to make the automatic payment to the credit line each month. This was about XX/XX/XXXX. 
Fast forward to this summer and I received a call from a company working for BECU saying that my card was compromised and was billed for a charge in XXXX. At this point I 'm trying to pay off the credit line and this pops up and drains my account. I found out that my checking account was n't able to cover the balance and that a portion of the fraudulent purchase was pulled from the saving account this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sortis Financial, Inc.
State: TX

Complaint narrative:
Back in 2011 I had a foreclosure on a condominium by XXXX XXXX XXXX. Around XXXX or XXXX 2011 during the great recession. I believe my personal information was sold or traded illegally to third party debt collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WAFD BANK
State: CA

Complaint narrative:
I lost my house thru foreclosure on XXXX/XXXX/2008 to Washington Federal XXXX. I received a letter from the Branch Manager XXXX XXXX from Washington Federal XXXX offering me a loan modification for 3 months starting XXXX 2008 and another letter with documents for an additional loan modification on XXXX XXXX 2008 I never received any notices of foreclosure! I had a cash buyer a month before the foreclosure but the bank said no. Curiously, the bank sold and CLOSED the property in less than a month after the foreclosure. In fact they sold it well under market thru a realtor friend they know very well. They treated out of state customers differently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
Several times they have called me at XXXX and I know they can not contact me before XXXX or after XXXX I have told them and they still continue to call at that time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: TX

Complaint narrative:
National credit systems has placed a negative on my credit reports, all XXXX and also on my spouse 's credit reports. They are not the originator of the account, the date of origination on the credit reports is XXXX, this is the date they bought the debt. I have requested debt validation many times, they ignore me and do not validate, I requested they remove it, they ignore me. Also the credit reporting agencies do the same. They have re aged the debt to when they bought it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
the debt was paid but they will not remove it from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I have recently relocated to Mississippi a couple months ago for a job and applied to get a home loan for my boys and I to buy a house. I was told that I had a negative mark on there from National Credit Systems for over {$7000.00}. I have never had a negative mark on my credit for anything. I am a single mom and have always protected my credit and finances. I talked to my attorney and he informed me that it is illegal to collect on a debt past the 3 year SOL in Mississippi. I tried disputing this account several times in the couple of months and have gotten nothing back from these people. I want this fraud charge off.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Bayside Capital Services, LLC
State: TN

Complaint narrative:
For the past three months, I been getting calls from a XXXX number claiming to collect a debt. They do n't call once a day, they call all throughout the morning, afternoon, and night. So finally I answered and a rude guy named XXXX XXXX answered. He goes on to say I owe XXXX and they were going to serve papers that day. When I was trying to explain what happened from preventing me to pay that bill. He got smart and loud with me talking to me like I 'm stupid. Around that time of getting a loan, I was a victim of identity theft so a lot of things had to close like my old bank account and a hold on my social. He claims I had bounced checks etc, but remind you I 'm telling him about my identity theft, but he was so inconsiderate and still was getting smart. So I made payment arrangements so the papers would n't be swerved but on the other hand he ( XXXX XXXX ) is still making harrassing phone calls saying random things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AVANTE
State: GA

Complaint narrative:
I was XXXX in the military when I went to the hospital in XXXX XXXX. The hospital failed to submit the bill to XXXX ( my insurance at the time ) in a timely manner. I contacted the hospital and XXXX to resolve the debt. From my understanding it was paid. I was then contacted by a debt collector ( XXXX XXXX ) in XX/XX/XXXX after they reported it on my credit report. The debt was resolved and removed from my credit report. Almost four years later, just recently in XX/XX/XXXX I was notified that the debt was bought from XXXX by Avante and the debt was still valid. I disputed it and asked for verification and they reported it on my credit report and reaged the debt to XXXX/XXXX/XXXX. I contacted the hospital and they said there is a zero balance on my account and it is too old to offer any additional information. I contacted XXXX as well and they too said that the debt is more than five years old and they also do not have a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has been charging me overdraft fees because their system did n't post my atm withdraws from mom and pop stores until days later even though when I made the atm withdrawals, I had adequate funds to cover the withdrawals as authorized by Wells Fargo on each transaction. I am told by Wells Fargo that the problem was that there was a delay in their system.

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 monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A death occurred in my apartment while I was away from home for about a week. When i came back it was a month before my movout date but felt early departure was nessisary due to the current circumstances. Upon looking for a new residence to live in, 10 months after i moved out, I am finally notified of the remaining balance owed to my apartment managment. I called my old apartment complex to try and resolve the issue. They insisted that I come by in person and pay the full amount, totaling over {$5000.00}, in cash. I called the collective agency and they informed me that the aprtment complex was legally obligated to resolve this debt through a collector, but they had no documentation of a claim. I myself had to coordinate between the debt collector and apartment to get a claim filed. This took about a week and by the time it was filed my apartment was under new management. I decided to go in person and speak with this new manager. She told me that she was not informed about the situation at all, so we went over my account and she was appauled with how many unnecessary charges were present. Not only did she deduct about {$1000.00} worth of charges, she also told me that the previous managment had never recieved my former roomates social security number and there was no way to contact him or hold him liable for any part of the debt. At this point the consistancy of unprofessional occurrences led me to the believe that this dispute was nessisary. Not only did they try and over charge me AND pocket the money without going through an agency, but the lease was faulty from the beginning, and they knew i would be the only XXXX able to be held liable for any charges upon moving out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASHCALL, INC.
State: MA

Complaint narrative:
I had previously put in a complaint on this company and they agreed to remove this amount friend my credit yet today I received a letter asking for me to pay them back, It is illegal for them to contact anyone In Massachusetts for a pay day loan. Previous case number XXXX. The fact that 3 years later I am still fighting with thus company is ridiculous. I want this company to stop contacting me regarding this balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime
State: FL

Complaint narrative:
I purchased a vehicle from Drivetime, They gave me a high interest rate but I was ok with it considering my credit rating. After driving the car for 3 years and bettering my credit I traded it in. The dealer that I traded to took awhile to send the payoff so my account was marked with my first late payment. I contacted Drivetime and explained the situation to them, They agreed to remove the late payment as a courtesy and I thank them for that. Fast forward a couple months and Drivetime is now XXXX, now the late payment is again reflecting on my credit report. I have contacted Drivetime again and even filed a XXXX compalaint just to be told that there is nothing they can do, which is XXXX because it was done before. I worked so hard to get my credit back into shape without filing bankruptcy just to have this single late payment ruin my credit again.

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 2016-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I got a loan with one main financial in XXXX XXXX, I left my job for another XXXX. The payments were coming out of my bank account. I told them I no longer worked there I make less money and would be coming in to make payments. I got a local job asked them to lower my payments they were {$250.00}. I called the XXXX # the lady told me I had to go in the office and fill out paperwork for insurance. I did n't fill out insurance paperwork, but was threatened by XXXX XXXX of the girlsif I did n't come in and pay {$230.00} they would take me to court. I borrowed money and went in, XXXX XXXX of the girls XXXX XXXX ) told me all I had to pay was XXXX. I once again asked for lower payments I get {$150.00} all together in child support {$45.00} for 3weeks I turned this information in to them. I asked them if they would take partial payments since all together at the end of the month I have all the money. They no longer take partial payments. Once I get the money they have put a late fee on it, I 'm short of the money. I have explained this to XXXX who told me she had nothing to do with the late fee. I explained this to XXXX, XXXX I told them I would try to come up with the some money by Friday XXXX/XXXX/2016 they have called me every day. I won money from a pick XXXX when I made my last payment and I told them that. On XXXX/XXXX/2016 I had to once again tell XXXX I was out of work because my client passed away in XXXX and I have the obituary with my name on it. What did I pay insurance for, why they did n't change the date of my payments to keep from having a late fee? Why lie and tell me I had to pay XXXX fee and I go in someone tell me something different? I filed a complaint with XXXX I have not heard anything back. They have violated my consumer rights and being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I had a debt with XXXX XXXX, there financial partner was XXXX XXXX XX/XX/XXXX. It went into delinquent status. I called the collection agency who had my account, XXXX. XX/XX/XXXX we settle the account in question for {$1500.00}. I have a settlement letter from the company XXXX. Stating the payment was received and paid in full. 
Unknown to me my account was sold to Springleaf Finance and then sold to XXXX XXXX. Now for the past 4 years this has ruined my credit. Not until I was trying to purchase a home and looking at a high interest rates did this come up.

Company response to consumer: Closed with explanation