vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AVANTE
State: TN

Complaint narrative:
I started receiving calls from a woman stating to be with Avante USA on XX/XX/2017. I missed this call and did not return it because I do n't know anyone in Texas and they did not leave a message. I then received a call on XX/XX/XXXX and I spoke to this woman. She stated they were trying to collect a debt for XXXX. I informed her I paid off XXXX several years ago. I also informed her that I started receiving calls a few years ago from another company trying to collect this debt, I asked them to validate it, and they never did and they never called again. I asked this current caller to validate the debt. She said she would only do that if I gave her my email address. I told her I would not as I did not feel that was secure, and that she needed to mail me something via XXXX. She stated they had, but I have not received any mail from this company. I told her I would be happy to work with her if she could validate the debt, she again said she would n't mail me anything else so I ended the call. She called again on XX/XX/XXXX and I did not answer. She called again on XX/XX/XXXX, and the same conversation took place. They called again on XX/XX/XXXX, and I did not answer. She called again today, XX/XX/XXXX. I told her we had already had this conversation and I would not speak to her anymore unless she validated the debt. She stated she had never spoken to me before and that I must have spoken to someone else. It sounds like the same woman calling everytime. I explained again I felt this money had been paid to the hospital and she needed to send me proof I owed it. She asked for my email address, which I refused as I did not want my information emailed. I asked her to mail she something and she said they do n't do that. I told her I would not give her any money or any further information until she could proof I owed it. I explained I felt the burden of proof was on them if they are accusing me of being in debt. She then threatened to put this on my credit report, then corrected herself to say it was already there. I told her I was not worried about that at the moment, that she needed to validate the debt. She told me to have a blessed day and hung up. I believe continuing to call me without validation of debt is harassment. They also give out my birthday every time they call to confirm my identity, which I have asked them not to do. They should ask me my birthday and let me give it to confirm my identity, otherwise they are providing my birth date to anyone who may answer. Thirdly, I do not appreciate threatening my credit report for something they can not or refuse to prove. Lastly, telling me to have a blessed day is unprofessional, as I do n't feel the collector 's religion has anything to do with my owing a debt or not. I want validation of this debt, or I want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: GA

Complaint narrative:
We were forced to terminate a residential lease early due to a death in the family in 2013. The leasing company tried to negotiate for us to pay for the house until they re-rented it - we did not agree, however, they proceeded as if we did. We paid two months rent, plus they kept our deposit, and instead of applying it to the termination fee, they tried to collect two additional months of rent and a cleaning fee. We have refused to pay it, since it was incorrectly calculated. They have refused to discuss it with us, maintaining it " meets FCRA requirements ''. Now, their most recent antic is to change the date on the report, so it looks like we started paying on it - we have not, nor have we negotiated any kind of settlement. The inconsistency of their reporting across the XXXX bureaus alone disqualifies this debt from meeting FCRA requirements. Their failure to provide any written proof of the debt is another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Management Company
State: PA

Complaint narrative:
This debt was purchased by a debt collector after it was written off by the hospital. The hospital was paid through my insurance retroactively. I do not owe this to the hospitsl, this debt should never have been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: MI

Complaint narrative:
This does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Multiple times per week for the past 2 months we have received automated calls from Penn Credit ( based on caller ID, as they never state their name on the message ) stating " we have a personal message for you. Please Press 1. I did not hear your response. Please Press 1. '' This goes on several times before they 're machine ends the call. 
We have perfect credit and do n't owe anyone any late or unpaid debts. I 've XXXX this company and see that they harass as part of their regular MO. Please have them stop calling. Thank 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 2016-06-13 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: MI

Complaint narrative:
First contact : automated voicemail to call debt company back I called company back to ask what this was about. I would not give my address. Company did not provide any info about debt and hung up on me. 
Automated voice called back and gave me info about who original debt was from and amount. 
I called original company and they have no record of this being my debt ( which I agree with ). 
I called debt collector back and tried to sort it out ( I did not give my address ) - they hung up on me twice. 
I called back once more and told them to send me a verification notice. Apparently, they should have sent this already ( or did I have to ask for it )? 
Waiting for that so I can dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
In the XX/XX/XXXX my husband lost his job and well fell behind in making payments on an installment loan with Springleaf Financial. A judgment was filed for the loan. I was able to get caught up on the loan and paid it off early in the XX/XX/XXXX. I have been requesting since then that the manager and now corporate submit an update to XXXX County to reflect that the judgment has been satisfied for 3 years. To date no action has been taken to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
They keep calling me while I am at work. I have asked them to not call me during the hours of XXXX. I also emailed their main office asking them to have the local office not call while I 'm at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I have advised this company several times no contact at my employer or references. They disregard my request. On XXXX, I advised a representative of me waiting for my XXXX. I was n't certain on date. My instructions was to follow up on XXXX. Prior to follow-up, they were contacting references. The notes in their system did not match our conversation on XXXX. They did not take proper steps to review the call per my request. I spoke with a XXXX and XXXX that works there as a supervisor and I was verbally abused by both. I spoke with a representatives today prior to XXXX and she accepted the arrangements. He refused to honor previous arrangements and threaten to repossessions my vehicle. I just paid {$700.00} on XXXX. I owe {$140.00} to complete XXXX. My due date is on XXXX of each month.I advised him I will have current by XXXX. I can make {$150.00} a week until current which will be {$600.00} and my payment is {$430.00}. This is ridiculous. I have several emails sent to this company pertaing to the issues discussed. 
XXXX called a 3rd party number after the company was advised not to call. 
XXXX called a number that he was not advised to call that belonged to a 3rd party. 
He was argumentative regarding who answered phone. He was not willing to accept or attempt arrangements on the account when I paid {$700.00} on XXXX. He advised me no auto companies allow their customers to make late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp.
State: CO

Complaint narrative:
We have fallen behind on our auto loan through united auto credit. We moved to a different state to get fresh jobs going. I want to work out a resolution, but when you speak to these people it 's like talking to angry kid that got there candy taken away. They are the most unprofessional people when dealing with them. Not only do they call me in the mornings before XXXX they are calling my family and relaying information about my loan to family. Which I know I have rights and may pursue. They are extremely demanding hateful and rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/2015 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
I have been getting a run around from first merit about getting assistance with down payment assistance .... They are not utilizing all the grants that are available for first time home buyers.. They promised down payment assistance and told me to apply for it myself. .. This is the worst experience I have imagined ... They then told me it was n't in the job description, told me days before closing that I need to have {$5000.00} at closing. ... No one want to help with down payment resources. .. 
My name is XXXX XXXXFirst meritLenders supervisor : XXXX XXXXLender : XXXX XXXXWe called for the district manager and left messages as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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:
Although I closed my checking and savings account quite a while ago because of poor service, lies, threats and no reponse the past couple of years from complaints made to the bank 's corporate headquarters, First Merit Bank continues to harass me - in retaliation for several complaints I filed against it with the CFPB. Again, for the month period ending in XXXX, the Bank mailed me a statement. It showed no previous balance, no transactions, and no ending balance. First Merit Bank employees are either the most vindictive or the most incompetent - or both. Their being a bunch of XXXX incapable of serving the public should cause the feds to revoke their banking charter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Northland Group Inc
State: OH

Complaint narrative:
I received a XXXX back in XXXX XXXX from XXXX XXXX XXXX. This machine was put down under my medical insurance. In order to pick-up the machine, I had to give a bank account number and routing number and I was told that if my insurance did not pay for the machine I could be automatically charged thousands of dollars. 

I have been in contact with XXXX very frequently to find out if payment had been made on my XXXX by my health insurance. Often times no one answers the telephone at XXXX and I frequently had to leave a voicemail, or my wife did who has also been in contact with XXXX. I repeated game of " phone tag '' has essentially been going on for many months. Whenever we have been able to get in contact with a XXXX representative, no one can verify any information about what my health insurance has paid on XXXX and if anything is left owing. 

I started receiving a bill a few months ago for the amount of approximately {$130.00} that had duplicate charges on the bill for the same type of equipment ( e.g. mask ). I have been making payments towards this bill every single month. This month ( XX/XX/XXXX ) whenever we logged in to make another payment on this account it said there was a " XXXX balance. '' I had left several messages about having duplicate charges on the bill that was previously viewable online/digitally. 

My wife called again and again had to leave a voice message because no one answers at XXXX typically just to indeed verify that nothing was owed and that the account was at a XXXX balance. My insurance company had initially told me that this XXXX would be covered at XXXX % so receiving any type of bill from XXXX needed to be explained, but now receiving a bill or viewing the account online was showing that nothing was owed. 

My wife and I called XXXX and left a message and someone returned our phone call and left a message stating that the account was at a XXXX balance and they were indeed going to verify with the insurance that the XXXX was paid at XXXX % and they would be getting back with me. 

This morning I received a bill from a debt collector on behalf of XXXX XXXX in the amount of {$68.00}. I have been in constant contact with XXXX and making payments on the bill that I was receiving every month even with the duplicate charges. Every time we call XXXX, no one has been able to verify what was owed on anything. I just spoke with someone XXXX days ago who told me nothing else was owed on the machine, but now I have a bill from a debt collector on behalf of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Awhile back I believe I talked to Trans Union or one of those credit companies because I saw a huge drop in my credit score. I received my entire report over mail and then I noticed everything was in good standing. Could you please tell me why my credit score dropped? 
" 1. DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. '' This is what XXXX XXXX told me is one reason why my score is not good. Along with that I keep opening new accounts rather than stay with one company. I do not like that. I like having no APR for a year and I think I should not be penalized for opening new accounts with different banks when I pay them back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial ran my credit on XXXX and again on XXXX for an auto loan out of XXXX XXXX. I never gave them permission. My daughter was shopping for a car and the dealership ran my credit without my permission. I live in XXXX was n't even there.

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 2016-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The inquiries were not listed on my credit report on XXXX XXXX when I just recently checked my credit report they were reinserted on my credit report in addition I was not notified 5 days prior to them being reinserted back on my report.

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 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XXXX/XXXX/2016 I discovered negative credit item and account number had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''

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 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union and XXXX are reporting an account with TXU that does not belong to me. I never have had nor do I currently have an account with TXU. Credit bureaus account numbers are XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion is refusing to update my tax lien status. I have given them proof that these tax liens have been paid and released. The refuse to update the information as paid and released. My Iowa tax Lien is paid and released They are now refusing to allow me to dispute information in my credit report. 
This is the information that is on record at the court house : Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$10000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX It shows released on XX/XX/XXXX, The other tax lien XXXX XXXX XXXX Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$2000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX. These are showing RELEASED and Transunion will not release the information. 
I am in the process of purchasing a home and Transunion is no the only company that will not update information. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation