vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-06 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: GA

Complaint narrative:
I have received many calls from the company but always an automated response with no information about the debt. I have tried to contact someone from the company to inquire about the debt but they are unable to tell me anything about it. Appears to be a scam based on what I read online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Fraud or scam — 
Company: Stewart Information Services
State: CA

Complaint narrative:
On XX/XX/XXXX 2006, I entered into a contract to buy a condo development which was under construction at The Residences XXXX. I gave a down payment of {$140000.00} which was 50 % of the purchase price. I made XXXX payments XX/XX/XXXX, 2006. All checks were made payable to Stewart Title Escrow. They were cashier 's checks XXXX. About 5 years ago I went to Stewart Title to try and get my down payment back but they would not give it to me. I am hoping that you can help me get me money back from Stewart Title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation
State: SC

Complaint narrative:
Debt collector XXXX did n't verify collections no contract no signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC.
State: FL

Complaint narrative:
I took out a loan in XX/XX/XXXX from XXXX XXXX XXXX, for {$2500.00} which was directly deposited to my checking account. I was to repay the loan at a rate of {$290.00} for 48 months after an initial payment of {$270.00}. I was charged an APR of 139.12 % or a total finance charge of {$11000.00} was finally paid off in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: FL

Complaint narrative:
This. company National Credit Systems appears on my credit report for {$390.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Their info and process is not transparent and dont give clear info. I paid a big chunk of my loan last year and they told me i have the payment due one year after. I still paid some before the next due date. I am paying more now than before even, but i still get few calls a day telling me i am behind and they will send me to collection and my credit will be ruined and they are charging more for finance charges. They are charging me 37 % interest and never decrease the payment amount due to lower total. The never give me clear numbers why and how they are charging me this much and why i am behind with higher payment with lower amount owing and still the amount owing keeps increasing. It is like contracting with devil.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I was contacted back in XXXX/XXXX/XXXX I received a call from the national credit services collection agency and they stated I had a balance of {$2100.00} from XXXX XXXX apartments and would I be able to make a full payment today? I told them I was a college student who was locked out of my apartment before even going to court to complete the full eviction process and I was disputing the charge. He stated at that time the full amount would hit my credit. I never received any further calls from that moment on until XXXX back two years later and asked if I could set up a payment arrangement they said no the full amount is due. After that I called again in XXXX XXXX and spoke with XXXX and she stated she would be offer a settlement of {$1300.00} but that would need to be paid within the same month. I agreed and told her I would call beck the end of XXXX to make payment. It is now the end of XXXX and I called and XXXX was very rude to me and stated I could no longer make the payment they have been calling and sending out letters for a settlement which I NEVER recieved. So now she stated they would send off the settlement request which has no time frame of when they would get back to me with the settlement amount it could take weeks or months or they may never get back in contact with me for a settlement. I told her I wanted to speak with her supervisor which her name is XXXX and she stated I should call back on Tuesday because she would submit the request for me but when I called back Tuesday she was at lunch and I spoke again to XXXX who stated no update for a settlement has been made and she stated they may never respond for the settlement to be made but I told her again you offered me a settlement before so you are not offering me what we agreed on and she stated I should go ahead and pay the full amount which is unfair and not ethical by any means. I just want to get this taken care of today but they are not willing to help at all and they are not professional.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
I recievd a personal loan from onemain financial. I paid the loan off in XX/XX/XXXX and recieved a congratulations on pay off letter. The next month the office is calling me saying i have n't made my monthly payment. I told them i had payed it off and sent them the letter and bank statement. They continued to call and call. Next thing i know is collections is calling me stating im late on payment. I have sent them everything I know to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Penn Credit Corporation
State: MO

Complaint narrative:
Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
One Main Financial called my work and talked to one of the employees and said that their name was XXXX and needed an updated phone number for me the employee explained that she could n't give information out on employees and XXXX left her name and phone number so I could contact her. I contacted XXXX and she says I owe on a loan that I paid off in 2014 of XXXX online she said that was n't the pay off amount said I owed more than that. I told her I got a payoff qoete and paid it online and and sure that it was took care of! She continued to tell me I owe more money and asked if I was will to work something out because she already has papers to take it to court to file a law suit I explained that she needed to do what she had to do because I paid the loan in full! Then she proceeded to get angry so I hung up the phone. Yesterday they have called my phone on several acassions. I called them back and asked why would they call so many times when when I have already talked to someone and they have already said they have papers to take me to court? She got angry and said she 's only trying to do her job and hang up!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I am showing inquiry from Springleaf financial my credit report I have never done business with them ever spoken with them do n't know anything about them XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Clearview Resolution Services
State: FL

Complaint narrative:
I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges 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 — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: LJ Ross Associates
State: MI

Complaint narrative:
I was called today about this debt. I am currently unemployed and do n't have the financial ability to cover past debts, I am struggling with current bills. 
I told the representative that I was unemployed and unable to make a payment. 
She said that she would note that I was unwilling to make a payment and that if I did not make a payment legal action would be taken against me. 
I reaffirmed that I said I was unemployed and unable to make a payment. 
She repeated unwilling... ( once again not what I said ) This was not the first time this collection agency has done this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Apex Funding Group, Inc.
State: MT

Complaint narrative:
I have been trying to re-finance my mortgage in order to get cash out for remodeling the house. For some reason when they did the title search a 2nd mortgage came up that I know nothing about. I have never received a bill or any notice from them saying that I owe this and I have no idea how it ever got attached to my property and have never had any communication with them. There is nothing in my current loan documents that show that I ever took this loan out. Please see the attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I got a car loan from United auto credit, The car had bad problems with it to prevent from passing Texas State required safety inspection United auto credit to me to send in copy 's of the receipt for starting repairs they would defer our XXXX 2015 payment to the end of the contract, and start paying on XXXX for next payment, They said after I sent the receipt Now they refuse to even after starting repairs, and they nowing they financed a unsafe car they said they dont car I ask to have the contract rolled back to the car lot XXXX days after signing contract they refused, they knowingly financed a car knowing its not road safe according to Texas Safety law inspection. I told them I wanted they money back on the deal {$1000.00} down and a payment of {$270.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: LJ Ross Associates
State: PA

Complaint narrative:
As of 2009 after seeking to obtain my credit reports to apply for a large purchase in the near future discovered several credit cards and other accounts opened without my consent filed for a investigation in regard to identity theft. After 4 years of failed attempts with XXXX credit bureaus I obtained assistance from the organization clarifi, along with filing a identity theft victims complaint & affidavit with the FTC. After further investigation & verification of the documentation supporting my claim the XXXX credit bureaus finally corrected the issue by deleting all the accounts opened without my consent. However I was XXXX for nearly 5 years unable to obtain employment and ineligible to buy a house or car and to this day still have several problems due to the credit bureaus negligence. They continue to place inaccurate incorrect and negative data on my credit profile. After sending several requests and getting no response or the inappropriate response am now seeking legal action to file suit for the violations in accordance with the FCRA ruling & guidelines. I am currently XXXX and XXXX by these practice 's which prevent me from gainful employment, purchasing real estate and buying a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
On XXXX XXXX, 2015 my legal representative sent documents trying to verify the debt Second Round LP is trying to collect from me and also verify that they are legally allowed to collect in the state of florida. Their response has proven they can not verify the debt, are just trying to collect a made up amount of money from me and are not legally allowed to collect in the state of florida. This debt is also 8 years old and they are still reporting to the credit bureaus and have now ruined my chance of purchasing a house for the next year which means I 'll have to rent again and waste thousands of dollars I ca n't afford to lose.

Company response to consumer: Closed
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Capital Accounts , LLC has been unable to verify the debt. I am provided the name of a vendor, but no detail as to any services. I do not know the vendor for whom they are attempting to collect the debt and when I XXXX the name there is no phone number or website. I am requesting validation of the debt or removal from my credit from the XXXX major reporting agencies. I have requested this via phone call and e-mail ( attached ) yet they continue to attempt to collect the debt without any proof that the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I disputed this account and received corrspondence which was a violation of HIPPA 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 2016-07-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I have a credit account with Kay Jewelers which is past due. I tr to make payments when i can, but their collectors constantly harass me with phone calls at all times of the day and night. They start at XXXX and continue through XXXX everyday of the week, Saturday and Sunday included. I have told them they should be receiving a payment on Tuesday, the next business day, but the calls continue, up to 12 calls a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Perennial Funding LLC
State: VA

Complaint narrative:
Greetings, Recently I decided to refinance my VA Loan. The agreed upon terms were a 20 yr fixed VA mortgage@3.125 %. Provided necessary documents to get the process started to XXXX XXXX ( Senior Loan Consultant ). 

Received application/documents from XXXX XXXX requesting signature. My response to her was, " Before documents can be signed, please make all correction to all handwritten changes. '' Of the requested changes, Check the box to lock interest rate was XXXX of many discrepancies ( see attached ). XXXX XXXX refused to check the box to lock interest rate. 

And as we are nearing closing, approximately $ XXXX is being requested to extend the rate lock to process the loan. Only XXXX Loan Estimate dated XX/XX/XXXX was provide with the box checked indicating the rate was locked reflecting an increase in the interest rate from 3.125 % to 3.250 % and total loan amount of {$360000.00}, XXXX of XXXX scenarios to cover the cost of a rate lock extension as stated by XXXX XXXX. ScenarioXXXX : On the loan estimate, Increased total loan amount to {$370.00}, XXXX with interest rateXXXXXXXX. 

The Loan Estimate I signed on XX/XX/XXXX was with total loan amount of $ XXXXXXXX3.125 % with a request to correct the total loan amount. As you can see, total loan amount was corrected {$360000.00} but rate was changed to 3.250 %. Documents and Loan Estimate was provided by Home Point Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX. Rate lock extension is not needed being that rate was lock on XX/XX/2016 as indicated on Loan Estimate dated XX/XX/2016. I 'm requesting to have the loan to reflect the correct total loan amount ( {$360000.00} ) and correct terms of ( 3.125 % XXXX ). Time is very important. Loan Estimate indicates rate lock is until XX/XX/2016. I 've attached various copies of e-mails, Loan Estimates and application forms. 
Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
caller asks by first name and then proceeds to talk in a threatening, condescending manner. Would not give name, and demanding answers, that are of a personal nature ... Issue at hand is the sole responsibility of medicare nevertheless, they continue to attempt collection from self anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Contacted my mother serval times about my debt and gave her every single detail to the debt. Also told her she needed to pay the debt when she was not listed on the lease. She was listed as a emergency contact. Advised the company several times that she was n't on the lease. They continued argue with me about it. Saying she signed the lease. I spoke with the original creditor who also advised me that my mother was only listed as emergency contact as well. She said she would talk to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: TN

Complaint narrative:
I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.

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