vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: PA

Complaint narrative:
I keep noticing credit inquiries from a company called Clarity on my credit file that i did not authorize. I have never ordered a report or authorized this company to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the credit Bureau ( s ) are reporting a charge off account that is not mines. They are violating the Fair Debt Collection Act.

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 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX, pa XXXX XXXX Account # XXXX no contract no signature

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 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Account Discovery Systems, LLC
State: AZ

Complaint narrative:
A company by the name of Account Discovery Systems called me at XXXX. They called me from XXXXThey were not even looking for me they were looking for someone with a similar name. 

The full name of the debt collector isAccount Discovery SystemsXXXX XXXX XXXX XXXX # XXXXPhone Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Per my TransUnion letter dated XXXX/XXXX/2015, XXXX XXXX XXXX account # XXXX was deleted off my credit file. I pulled a new credit report on XXXX/XXXX/2015 and the XXXX XXXX is still being reported by TransUnion and affecting my scores negatively. This account has been closed and paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down '', but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done, and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly, ..in a matter of a few years the HOA 's settlement money will be depleted, and there will not be enough money to fix the exteriors, the roofs, the roads, and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves, but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded, that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon, ..so in a few years, there may be a lot of them walking away when special assessments hit them. And if they do not approve them, ..they community will suffer. You need to do something about disclosures, ..because on a state level HOAs are not doing a thing about it because they do not need to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
United Auto Credit ( XXXX ) contacted my cell phone ( XXXX ) 14 times between XX/XX/XXXX and XX/XX/XXXX with a total of 14 calls. I have never done business with U.A.C. nor do I owe ANYONE money and have no idea why they were harassing me. 
I contacted them on their " contact page '' and also had an attorney contact them and received no response. 
This is there Nevada license info if you find it helpful. 
XXXX The calls are always a recording that only states a " business matter for XXXX XXXX '' but not who they are and no way to opt out. I have no idea who XXXX XXXX is. 
I have a photo album of all calls and some notes if that would be helpful. 

Thanks,

Company response to consumer: Closed
Consumer complaint received 2015-05-29 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: Financial Corporation of America
State: FL

Complaint narrative:
Collection company keeps calling my work phone number ( XXXX ) over the past four weeks. They call asking to speak to XXXX XXXX. I have told them every time they have called that there is no person named XXXX XXXX, and that they are, in fact, calling XXXX XXXX XXXX. I have requested they remove this number from their calling list. They have said they would, and yet they call me every week. They call from XXXX, I have recorded phone calls telling them that there is no one here by that name on XXXX and XXXX, but they have called on multiple occasions, probably XXXX times in total.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX, acct XXXX .... I submitted documentation to XXXX, and XXXX. I have sent certified mail via USPS to address on file with XXXX and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked XXXX, and XXXX to delete item from my credit report as unverifiable, but XXXX, and XXXX has refused to take documentation that I supplied to delete and XXXX refuses any correspondence from my attorneys or myself. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplied the XXXX-credit bureaus with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account, but none of the complied. Additionally, I asked that each bureau provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated my XXXX file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016 ; updated my XXXX file that I owed {$4600.00} on report XXXX dated XXXX XXXX, 2016. This creditor is intentionally trying to destroy my credit by updating false information and XXXX is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation. 
This creditor is using reporting laws to illegally affect my credit and the credit bureaus are ignoring the reporting laws to assist this company in its illegal act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
After First Merit Bank branch manger XXXX XXXX learned that I and my wife had filed complaints against the bank, and after he ignored my attempts to contact him about the Bank 's FRAUD & PHYSICAL THREAT, XXXX called me to say that the bank decided to close out my checking and savings accounts. This is RETALIATION. This will now cause me great harm, as I have several bills automatically due and scheduled. This will cause me late fees and damage my credit score. Also, the bank is causing checks to bounce. Such RETALIATION by the bank is totally against the public interest. In light of this, I requested that the bank keep my accounts open for 30 days to allow me to rearrange my bill payments. XXXX ARROGANTLY refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
This was paid last year in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
I took out a loan with Money Key for {$1000.00} in XXXX of 2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from XXXX. I never received any communication from XXXX XXXX that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted XXXX who advised that they sent a notice in XXXX 2016. I advised them that I never received any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: MO

Complaint narrative:
Receivable Management Group XXXX Inc, continued collection practices AFTER I had sent a CEASE & DESIST letter and proof of payment. Letter was sent certified mail ; the representative I spoke with denied having record of receiving it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have received several phone calls from this company about debt for {$110.00} {$100.00} another for {$100.00}. I have advised them of all the information they needed the first two times and told them to stop calling me. I still keep receiving phone calls, but nothing in the mail. they do not have any valid information in there system on me besides a phone number. They have been forcing me that I better pay or else etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Financial Corporation of America
State: TX

Complaint narrative:
At XXXX on XXXX/XXXX/2016 I received a phone call from a person named XXXX who claimed to be with Financial Corporation of America. He asked to speak with XXXX and I said this is he. I asked what this was in reference to and he said a personal business matter. I said if you are not gon na tell what this is in reference to I am not gon na talk to you and he would not so I hung up. Check the supporting documents to see that there is no Financial Corporation of America listed at this number or anywhere in the city of XXXX XXXX, Texas. As you will see this number is registered to 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 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and in 2013 I had issues with an apartment building I was living in and it left me with debt on my credit report. I recently paid off the debt and it was removed from my credit report. XXXX XXXX was the original creditors and they sold my debt to XXXX different collection agencies. I have disputed the errors with credit bureaus and they have not had any success with removing the debt. The collection agency is called the National Credit Systems.

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 2016-07-25 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CASHCALL, INC.
State: TX

Complaint narrative:
Unknown company contact me and family members in regards to sending paperwork out for signature stating that I will be sued and charged with XXXX criminal charges for unpaid payday loan. Company does not disclose their information or how to respond to this matter.

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 2016-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I was contacted at my workplace by XXXX XXXX Attorney XXXX XXXX on XXXX XXXX, XXXX. When I spoke with this employee she stated she was collecting a debt from Cashcall, and would like to no what are my intention of taking care of this matter. I explain my circumstances preventing me from continuing my payments. This employee begun to make threats of legal action of garnishing all my wages where I would have no money.She stated I owed {$5000.00} then {$11000.00} During the conversation I requested for validation of this debt she stated it was sent which I explain I did not recieve it.. I asked where they were located, XXXX County Ca and was told she had the right to sue then she continue to get hostile and hung up. I immediately called Cashcall and spoke with XXXX was told my account balance at that time was a payment for {$120.00} had posted on XXXX/XXXX/XXXX another payment XXXX/XXXX/XXXX {$910.00} the orginial loan amount was {$2500.00}, {$1100.00} was returned. XXXX explained that my account had a principial amount of XXXX and interest XXXX and they had sold my account to XXXX XXXX XXXX/XXXX/XXXX. I question their identity and request them to cease contact at my workplace. I have research them through the XXXX and found they have had numerous compliants.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CASHCALL, INC.
State: NV

Complaint narrative:
I filed bankruptcy XXXX XXXX, this was XXXX that was discharged. This should not be on a collection. This company keeps harassing me about paying this in full and saying they have sent me numerous letters and changing or adding different dates this was taken out. The date XXXX XXXX which states this was done is yet another date. I did not contact or except a cash advance from this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
Took out a second mortgage out XXXX 2005 for XXXX 20 year term fixed interest as of today still owe principal XXXX and see on bottom of bill a deferred interest of XXXX. This is not right, i have asked for a pmt history and original contract to be mailed to me. I think there could be some kind of government protection for mortgage companys taking advantage of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: CASHCALL, INC.
State: AR

Complaint narrative:
took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call XXXX XXXX collections

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 2016-10-30 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: TX

Complaint narrative:
I am not aware of this debt. Possibly the result of identity theft. It is adversely affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I was never late in paying my SpringLeaf account. The account was autopay set up through Springleaf and that had been the mode of payment for years. I have paid it off in XXXX. 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 by stating that I was late on XXXX of XXXX for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus! When I called springleaf they refused to take this erroneous mark off my credit. That card has been dormant for several years. Their behavior is not in good faith and I dispute the late report to the credit bureau. Please investigate and remove the late payment from XXXX XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
Northstar Location Services continually calls my employer after I told them not to.

Company response to consumer: Closed
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
On XXXX XXXX, 2016 at XXXX cdt Springleaf collections phoned and left a message that XXXX XXXX wanted me to return her call about a debt. This was a robo call. 
On XXXX XXXX, 2016 I wrote to Springleaf on their internet portal. I told them that I do not have a business relationship them and never have. I then demanded that they cease and desist from contacting me. They called my phone and did not leave a message. 
Today, XXXX XXXX, 2016 at XXXX cdt the same robo call from XXXX XXXX left a message for me. I want them to remove my phone number from their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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: Penn Credit Corporation
State: VA

Complaint narrative:
A XXXX representative told me that they would delete this account from my credit profile ( specifically told me that almost word for word ) if I made the payment. I made the payment while in collections, and the account is still showing on my credit report through Penn Credit. XXXX needs to uphold their word and have their collection company remove this account from my credit profile. This is a bait and switch scenario.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cashcall reported inaccurate derogatory information on my credit file. They have now changed their name to Loan Me with no working phone numbers to Cash Call. I called XXXX to get assistance since they are the same company with a different name and they refuse to assist. They state that I have to call Cash Call for help. I explained several times there are no working phone numbers and to please provide me one, however, they are unable to provide me any working numbers either - even though it 's the same company. They state that I have to go to XXXX and find a phone number. I explained again all the numbers on XXXX are non working numbers, and they still refuse to assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation