vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-02 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: PA

Complaint narrative:
I have a loan with XXXX XXXX at XXXX XXXX XXXX XXXX. Pa. XXXX Their phone # is XXXX. XX/XX/XXXX I have received a message EVERYDAY on my home phone from XXXX at XXXX. His message varied about wanting to increase the loan and also stating I have not made my XX/XX/XXXX payment on time. Since I have auto pay with my bank and have never missed a payment to anyone in my life -- I basically ignore the calls. They continue. On XX/XX/XXXX I call XXXX. He says I did n't make my XX/XX/XXXX payment. I go online while he is on the phone and find the payment and and the picture of the check and stamp from XXXX. He does n't believe me-so I have to fax a copy of the cashed check to him. Then INCREDIBLY I get home and he AGAIN is on my home phone message saying that I have to now send a copy of my bank statement to show my bank took the money out of my account. I find that unbelievable but I complied. I have now sent by mail a copy of my bank statement with the check number and showing the bank cashed the check. XXXX calls ( Ihave all the messages ) -then a fax of the cashed check ( still not enough ) and finally I have to send my private bank statement to hopefully stop this harassment!!!! This co. and this employee need to be kept in check. Absolute harassment to make someone prove they paid you after I send them a copy of the check they cashed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System is attempting to collect a debt from me for XXXX dollars and I never established a contract with this company.Furthermore this company has reported negative items on to my credit report and is violating the FCRA standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I made a {$1500.00} payment in XXXX of 2015 to One Main Financial, which brought my loan balance down to {$6900.00} and should have paid my loan up for 5 months. I subsequently made a payment of {$270.00} in XXXX, which brought my balance down to {$6800.00}. I also made a {$270.00} payment in XXXX and XXXX but neither of those payments was applied to my balance. On XXXX XXXX, when I noticed the balance had not changed on my statements since XXXX, I contacted One Mail Financial. The manager, XXXX, stated that the accumulated interest is the reason my payments were not applied to my balance. 

I asked him how that could be when the {$1500.00} payment I made in XXXX should 've have covered my payments for at least 5 months. He could not give me an explanation other than saying the interest still accrued, even though my monthly payment is {$260.00}, and I paid {$1500.00} to cover my next XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 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: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and XXXX of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw XXXX XXXX Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact Dynamic Recovery Solutions because they handle all of their debt collections. I faxed a copy of my credit report to Dynamic and they did not clarify if this debt collection will be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 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: IL

Complaint narrative:
i'am reopening this case again, i 've never get contacted by the consumer financial protection bureau about this case.this occured in 2012 when i used to lived at XXXX kentucky XXXX.i was behind on my rent for rent, i was sent a notice by the land lord i went to court but she never showed up, i was planning to live for XXXX illinois and i told her. in between my departure and the time i was given a notice i get a hole on my tires twice, i called the police, and they did their report, also she break into my appartment without a notice she broke the door when i come home she told me that she was the one who did, iam asking here for fair resolution for this case, the security deposit never get refunded which should bring my balance to {$950.00} and also i want my XXXX tires to get refunded which bring my balance to {$150.00}, i try so many time to contact the collection but its looks like they do n't want an agreement. 
thank you for your help, for further information feel free to contact me at my phone number XXXX thank you for your help one more time sincerely, 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 2015-10-06 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: CASHCALL, INC.
State: CA

Complaint narrative:
I was called at work by Cash Call and they gave a co worker my information of how much I owed and when will I pay. A about XXXX min later they called my cell phone and when I spoke to them and explained what had happened they stated they would look into it but nothing has been done. They said they were going to listen to the recording but I do not know if that was done. And they call my phone almost every hour on the hour.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Clearview Resolution Services
State: CA

Complaint narrative:
Received a threatening call stating that i will be served paperwork that i need to sign as they are taking legal action against me for a debt i owe but do not state what the debt is or who they are.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 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: TX

Complaint narrative:
National Credit Systems put a file on my husband and my credit report. When I called several years ago when it first appeared the amount the were trying to collect was over XXXX. We knew we did not and had never owed that amount. The issue is we moved and had to break a lease. The owner of property had property management company take us to court for judgement on what was owed. They were awarded around XXXX from the court. Nothing more was to be owed. We began paying the property management company and have a ledger with their letterhead to prove that. I am not sure how or when National Credit Systems became involved but I did receive a letter and called them. When I attempted to give the facts they were hostile, rude, cussing me out and yelling. National Credit Systems has over the past few years changed the DATE on the account, the NAME on the account and the amount owed. We have gotten all credit bureaus to take it off when we send documents to them, but 3 or 4 wks later they put it back on with information changed and we start all over again. As the amount they now show is XXXX it is deeply hurting our credit. There is a judgement for the correct amount and per that court that is ALL WE OWE. THey have been told that and send that information on the judgement. If you look up this National Credit Systems online you will see all the shady things they do by reading reviews. We would like this taken off our credit and something done to this fraudulent company so they no longer bother us. I do not believe it is legal to CHANGE DATE, NAME and AMOUNT to keep sneaking it back on to our credit. We have called them as well and again get cussed at, threatened and they do not see that they are doing anything. Their attitude on phone is we can do what we want. 

This is not ok- to put false information on someones credit and then try to bully them into paying. How many people have they scammed that did not know to fight back? Please help. I have documents I can send that show judgement, ledger of payments and all the times they CHANGED the info to get it back on our reports. 

National Credit Systems is a fraudulent company scamming people and should be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: Penn Credit Corporation
State: NY

Complaint narrative:
This is my husbands debt. He put this utility in my name, but I was not workings at this time. We are going through divorce. And he stopped paying for this one because it was in my name. He stopped paying for the electricity since our divorce action has begun. Which is the end of XXXX 2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 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: Concord Servicing Corporation
State: SD

Complaint narrative:
For my Timeshare bill, the company does not send me a statement. I can not send my payment to the physical timeshare place ( in PA ) because they will not accept the payment. They use a service called Concord. Concord does NOT send me a statement for the amount but then sends me a collection notice and charges me an extra {$35.00} to take my payment. This has happened for the past 2 years. I ask for them to send me the statement or the copy of the statement and they never do. They also will not email me the statement. I feel this is a bait and switch. I want to make my payment, but they do not make it easy and I believe they intentionally send everyone to collections for the extra {$35.00} and late fees.

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 2016-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Bureau, Inc.
State: SC

Complaint narrative:
Merchants credit bureau XXXX is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removalXXXX has it listed to be removed XXXX and XXXX shows they reported XX/XX/XXXX..collection agency stated it will remain on there till XXXX This from a fire utility company who in XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with XXXX.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XXXX and they claimed it was a different account but impossible ..I 've only lived in XXXX place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XXXX showing fire was included in taxes beginning that year. I can furnish more if needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am being harassed methodically about a debt that was created with accounting fraud and bank fraud, pursued with threats, mail fraud and wire fraud, and which continues to be pursued by US Bank which largely just got rid of regulatory issues with CFPB and FTC falsely claiming to have dropped the dispute. At this point, I continue to be contacted offensively constantly. Reference has been made to the bank continuing the false claim that there was a basis for the debt, in self absorbed gross misconduct XXXX that continues to have as its only substance generating criminal disturbances by every method possible with the bank. 
Which was told to cease and desist collections and refused to do so or cooperate with dispute debt collection law, or any other law as of XXXX/XXXX/15 and since, and cease contact entirely, at which time the bank started contacting me constantly demanding I " cease contact with the bank ''. 

Which continues to have no substance but criminal disturbances conducted like an orgy that has no end, and appears to have changed my residential mailing address because it has to cover up how brilliant it is living possible next door in my apartment building. 

I need my US mailing address removed from the abuses of US Bank and its employees, particularly for tax information I reportedy can no longer get on line, and for any other purpose by US Bank. I need US Bank removed from its continuing harassment of my XXXX mail at the Post Office I have been using for years, and the war it has created with postal employees who keep redelivering refused US Mail that US Bank keeps sending back. 

Reference to refusing to drop the dispute happened as a slip to CFPB repeatedly. 

Its responses to CFPB are no different from the contact with me, which is the sole substance continues to be an orgy of gross misconduct criminal disturbance damage infliction. 

It continues to falsify inflammatory claims to third persons to manipulate the no examination of the claims made, which are massively repetitively fraud, and so a criminal event escalating in severity as an orgy. 

I am continuing to be threatened about fabricated debt and forced illegal criminal harassment contact by US Bank by every method possible and working third persons including the XXXX US Post Office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
Used a US bank ATM several years ago, system allegedly detected that I made XXXX cash deposit transaction, only made XXXX deposit. Next day fraud alert on the us bank account, stated that I owed them funds. Opened up an investigation, ATM was no longer available. Investigation was closed out. US bank system sent a letter two days later stating I was in XXXX. Went to US bank they advised me of the negative balance ( that very same day ) told me that no check system error came up on there system. I have the letter from a bank representative that states I do not owe any balance or funds to us bank. XXXX still shows that I owe financial institution us bank. I have been unable to open up accounts and other financial services because of this issue.

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 2015-08-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have an account with Spencer Savigs Bank which is managed by Elan Financial. Not only did I receive a call from them telling me that I was XXXX days past due without them even verifying any information other than my name, when they discovered that my payments had applied to my spouses account, they refused to transfer the payments. They said that they could not transfer the payment because my husband has a payment due this month on the XXXX. His account is not past due and they see that more than XXXX payment has applied to his account and this is an obvious error yet they still refused to transfer the XXXX payments that were made to his account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
In XXXX I applied for the XXXX XXXX Premier Rewards Visa Signature Card and was approved for the lesser card ( XXXX XXXX Rewards Visa Platinum Card ). Most of the benefits were the same for both cards including the " Bonus Night Award Benefit '' which entitled you to the last night free on any award stay. Below all the benefits on the application page for the Platinum card it stated " Enjoy all of these benefits for {$50.00} Annual Fee ''. 

Less than XXXX weeks after being approved for the card, I received an email saying effective XXXX XXXX the " Bonus Night Award Benefit '' was going away permanently. I feel like this was a bait and switch scenario. They also did not change the language on the application page for at least a week after announcing this benefit loss. I signed up for the cards under certain terms and now they are changing. I would not have taken the inquiry hit had I known this benefit was going to be taken away. 

To make matters worse, I just read effective XXXX XXXX, there will be XXXX hotels changing award categories, with XXXX hotels moving up and only XXXX moving down. There are XXXX hotels going from either a category XXXX or XXXX to the top category XXXX requiring at least XXXX additional points for an award stay. 

I was not happy about these changes so I contacted U.S. Bank about having my annual fee refunded. They declined the refund and gave me XXXX points for my trouble. I do not feel this is sufficient for such a major benefit loss to their program. This credit card is significantly weaker than it was just 5 weeks ago and I absolutely would not have applied under these new terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
The US Bank, XXXX XXXX XXXX, XXXX XXXX Nevada, failed to remove a Hard inquire found im my XXXX credit report on XXXX/XXXX/2015 after I signed a Credit Bureau Inquiry Removal in the US Bank logo letter which is a legal agreement for them to proceed in removing their Hard Inquire from my XXXX credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Someone has been impersonating me and stole my personal information and identity and open up a fraudulent U.S. Bank XXXX XXXX credit card account # : XXXX. This account is fraudulent and do not belong to me. I have attached supporting documentation which includes my incarceration date. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. Based on the documentation provided, I 'm not liable for the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
By mistake I made a payment to a closed credit card account. The closed account is U.S. Bank account number XXXX XXXX XXXX XXXX. The overpayment was for {$400.00}. U.S. Bank will not refund the overpayment and I have asked 5 times on the phone and twice via a letter. Three ( 3 ) months and no money.

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 non-monetary relief