vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: 2288984 Ontario Inc.
State: SD

Complaint narrative:
I paid the amount owed, but the company kept saying that I owed them more. To get them to stop, I put a stop payment on the account, but they are still calling and trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central States Recovery, Inc.
State: OK

Complaint narrative:
i have a hospital bill that i have been making agreed payment on The hospital turned the account over to central states recovery in XXXX Ks. They told me it was in error but they could n't recall it.I have since been making agreed payments to central states recovery I checked my credit and they have reported it as a new and derogatory account.

Company response to consumer: Closed
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: CA

Complaint narrative:
I attempted to purchase a home XX/XX/XXXX. During the approval process the lender discover that ClearSprings was reporting that I had an " open '' loan with them form XX/XX/XXXX. They at some point had bought the XXXX loan that I had on my home. I had never even heard of ClearsSprings the enitre time I owned that home. The property in this case is located at XXXX XXXX XXXX, XXXX, CA XXXX. The house was foreclosed on in XX/XX/XXXX and the company that owned the loan a that time was not ClearSprings according to all the paperwork that I had. I subsequently filed bankruptcy in XX/XX/XXXX and had this loan included in the discharged. The discharge paperwork was provided to the owner of the loan - the loan company that was sending me collection notices on the loan. I never heard another thing about this loan ever from any company. Now all of the sudden ClearSprings still claims that I have an open loan with them when apparently they sold the loan to some other company. I contacted ClearSprings to discuss this and asked them to remove the " open '' status on this loan. The man to whom I talked to in Customer Service found the loan in question and verified they no longer own the loan. He however refuse to remove the " open '' status until I could prove the loan was paid off. They have no legal basis to require me to provide them with anything regarding a loan that they do not even own. I still to this date have never received any documentation from ClearSprings showing ownership of the this ( no wet signature on anything ), no collection notices and they still have not removed this as an open loan. I am unable to purchase a home with this " open '' loan. I can not find anyone in their organization to help or even discuss it with me. I mailed letters and have verification of the loan being discharged in my bankruptcy buy the company that had been sending me collections notices. I have since come into some information that the collection/loan company that they had sold the loan to and had been sending the notices during my foreclosure and that was served during the bankruptcy was Strategic Recovery - which apparently is some collection company owned by the the same company that owns ClearSprings. All I want is for them to remove this loan from any credit agency and what ever credit board that loan companies view when deciding to approve home loans. I lost a portion of my earnst money when I was denied credit during escrow on a home and I still can not purchase a home because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-18 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: FL

Complaint narrative:
Debt validation was requested but collection agency never responded to request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
The interest rate on my loan is at 29 %! 
Outrageous. I will never pay this off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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:
XXXX XXXX in XXXX, Tn turned over a {$480.00} debt to Fox Collection in XXXX, Tn. XXXX XXXX made a mistake when they did this b/c I 'd got a XXXX program at XXXX XXXX XXXX in XXXX to pay for that hospital visit. When I pointed this out to XXXX XXXX they cancelled the remaining balance on my account. Fox Collection reports a zero balance on the debt but they have told XXXX XXXX and me as well. That they can not remove that negative account from my credit reports. Which we all know is false. Collection Agencies contact credit bureaus everyday and inform them they would like for accounts to be removed that were settled, cancelled and/or paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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: NC

Complaint narrative:
I constantly rcv a phone call from XXXX,,, was finally able to link it to Penn Federal Credit and once they asked my wife for my name and claimed I owed a long overdue debt. We owe not unpaid debts to anyone ... checked our credit reports ... high scores no outstanding debts ... .they continue to call up to 5 x 's a day and I get a recording and when I call the recording they just want phone number and information ... .they do not stop this harassment and I have no way to directly contact ... no written bills of anything ever sent in the mail..this concerns me as I was on the XXXX hacking list and these calls started after this. How does this ever end??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT

Complaint narrative:
At XXXX a year and very little bills, not understanding denial reason of excessive obligations in relation to income. Typical reason reserved for minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
When I negotiated terms of the loan repayment after I separated from my spouse, the creditor began calling my spouse, which is normal. My estranged spouse gave them another contact number for a friend ; at that point, the creditor began to call them repeatedly, asking for me. 

I spoke to the creditor, and asked them thrice not to contact anyone but me when dealing with this issue ; I have since made arrangements to pay the balance in full to avoid any further contact, but the creditor still called my friend twice within twenty minutes to attempt to get them to contact me. Since I had made arrangements to pay the balance in installments, I have never missed a payment ... ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC.
State: OH

Complaint narrative:
Cashcall continues to call us on a debt that 's been paid. We have paid the principle and in addition to the interest in total amount exceeding XXXX dollars. We filed a complaint with the Ohio XXXX Office on XXXX/XXXX/2015 stating that Cashcall was harassing us for a debt that was paid in full in accordance to the state laws of Ohio. The XXXX representative stated that Cashcall and any associated entity was not licensed in Ohio therefore illegal. After further investigation we XXXX that Ohio was added to the current lawsuit submit by CFPB. Also the following surrounding states have filed lawsuits against Cashcall Indiana, West Virginia and Michigan for the same illegal tact 's. Each state mention in the prior statement won their legal cases against Cashcall. Simply put we 're tired of the harassment from this illegal loan company. We received several calls from them again on XXXX/XXXX/14 starting @ XXXX XXXX. 

Original Lender : XXXX XXXX XXXX, XXXXurrent website : XXXX : XXXX? XXXX : Ohio is n't listed as a State that can borrow money. 

Please note the following law code from the state of Ohio. 

Ohio, which voids loans of {$5000.00} or less that are made without a license, and the lender has no right to collect, receive, or retain any principal, interest, or charges on such loans, Ohio 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 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Professional Recovery Management
State: TN

Complaint narrative:
This is a medical bill that is showing up in collections as an open account on my credit report. I filed Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This medical bill was put under the Chapter XXXX Bankruptcy and should not be on 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 2017-02-15 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CASHCALL, INC.
State: MO

Complaint narrative:
I called an requested a payoff and sent payment on the date the payoff was requested. Then an attempt was made to draft my account for an additional {$290.00}. I called and they said the payoff was only good for that date and that my payment was not made on that date. So they tried to charge me a return check fee and said I owed another {$48.00} in unpaid fees. So they are charging me {$350.00}. I requested a 10 day payoff so I am sure this would be paid in full so I would not have any problems with my bank but wanted to file this complaint because the letter they sent me indicates they could charge me again. The 10 day payoff is for {$370.00}. I am going to pay {$380.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MA

Complaint narrative:
I had a loan with OneMain Financial that automatic payments were taken out every month, it was always paid on time then the XXXX to last payment they stopped automotic pay on there own. I called and set up the last XXXX payments. XXXX payment was taken out and apparently the other payment never got taken out. Several months went by and I called them on XXXX XXXX after looking at a statement I received showing a payment do. It stated to call or mail payment to them by XXXX XXXX. I called and they are refusing to take my payment because the have sold the debt and wo n't take the payment for 30 days. I am trying to get a loan and no longer can get the loan because I ca n't show proof I have paid it off because they are refusing payment. Can they refuse payment for 30 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
In late XXXX One Main Financial added ad account to my credit file for a loan of $ XXXX. I have never had any loans in this amount or any dealings with this organization or any of their subsidiaries. I sent One Main letters beginning in late XXXX to inform them the account was not obtained by me and it was removed. Then in early XXXX it was added back to my XXXX credit report. I have sent letters to One Main and to the CEO of Springleaf ( the parent company ) regarding this matter to request formal debt accordance with Fair Debt Collection Practices. All my letters have been acknowledge and received and I have been promised that the matter will be looked into and I will receive a response but have yet to receive any respose. Then, after acknowledging my letters I began receiving collection notices, during the period where all collection activity should have been stopped as I requested validation of the debt. I hired an attorney in XXXX XXXX who has also sent formal letters requesting validation in XXXX XXXX and XXXX XXXX that have gone unanswered. I have also disputed the item with the credit bureaus ( XXXX ) and it still remains. My rights as a consumer as being violated to the greatest degree and it is not only unethical but inappropriate to report false information from an account that is not mine on my credit report after being notified that the account was never opened by me multiple times by both me and my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
In their response to complaint XXXX, Springleaf Financial made several statements which I proved to be false with documentation from XXXX Mortgage. 
I signed statements with every complaint that all information I am giving is true, and I believe that it is a criminal offense to knowingly give false information. 
Springleaf gave false information regarding to speaking with XXXX XXXX about the status of my loan with XXXX XXXX XXXX stated in writing, which I submitted to the CFPB, that they had NO communication with Springleaf. ). Springleaf had to know this information was false when they responded. 
There are other instances ( how payoff was obtained ; faxed to MY attaention at Springleaf 's fax number, etc ) which also call many legalities into question, but the first instance is already documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
My loan is for only about {$8500.00} but the statements are confusing. They only show the amount owed after all interest over the life of the loan. For example I borrowed the above but my statement shows {$16000.00} and this also appears on my credit report which hurts my debt ratio. It would be as if my mortgage is {$60000.00} but instead of showing what I borrowed they show the amount on my statement with all 30 years interest in the total but no where does it show the original amount borrowed. Which would make it hard to see if my payment is being applied correctly. It also does n't show my interest rate. I am requesting that my statement reflect the basic info that every other business seems to be able to print on theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: Penn Credit Corporation
State: NY

Complaint narrative:
Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: NC

Complaint narrative:
FHA Loan Refinance initiated on XXXX/XXXX/15. It has been almost 3 months and no one can tell me a clear status of the loan. I am told that it has passed underwriting but is in review by FHA. I called FHA and they claim that FHA does not review loans. The credit scores and loan to debt ratio are supposedly ok. 

I have been given at least XXXX targeted closing dates that come and go with no clear explanation. The people I was working with initially all have disconnected numbers. All efforts to escalate have not been effective

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Professional Recovery Management
State: TN

Complaint narrative:
This is a medical bill that shows on my credit report as an open account in collections. I put this on my Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This should not be showing in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 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: SC

Complaint narrative:
On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX SC borrowed money from Onemain Financial Inc, XXXX SC. Payments were not made and the account was sold to XXXX XXXX XXXX. XXXX XXXX is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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:
This company National Credit Systems is reporting i owe an apartment community XXXX when in fact that is n't true. In XX/XX/2016 the judge in XXXX texas ruled that we only had to pay one month past due rent which is public record now and this company is reporting an amount XXXX above what the judgement was. Not only that this company never contacted me to verify anything. The apartment community didnt take us to court for anything after. Its illegal to report a lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I been placed in a collection, i just know thru a credit monitor service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: AZ

Complaint narrative:
I took out a loan of {$2500.00} with XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX I began paying {$290.00} per month and continue to make those payment. So far, I have paid back four times the amount I borrowed and continue to make payments.The company constantly changes names form XXXX XXXX to Cash Call. I am having a financial hardship and have made Cash Call aware. I was only able to pay {$140.00} on XX/XX/XXXX payment. The company calls me over ten times a day sometimes as early as XXXX. How can I get out of this situation? Please help 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 2016-01-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
EVER SINCE XXXX BANK HAS TAKEN OVER PAYMENT PROCESSING FOR MY BP VISA CARD, WE HAVE BEEN PLAGUED WITH LATE CHARGES. THEY SEEM TO NEED TEN DAYS TO PROCESS A PAYMENT SOMETIMES. I DONT HAVE THIS ISSUE WITH ANY OTHER BANK OR PROCESSOR. THEY JUST SEEM TO FIND REASONS TO CHARGE LATE FEES. THEY ARE CLEARLY SCAMMING PEOPLE. I HAVE CANCELED THIS CARD AND PAYED THE FINAL BALANCE OF {$1900.00}. I HAVE A PRISTINE FICO SCORE. I AM SENDING THE CUT UP CARDS TO XXXX AND BP TO LET THEM KNOW THAT THEY ARE DESTROYING THEIR BRANDS WITH THIS ABUSIVE PRACTICE. PLEASE INVESTIGATE. FOR EVERY LETTER LIKE THIS YOU GET, THEIR ARE PROBABLY XXXX THAT ARE GOING UN-REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have been a XXXX XXXX XXXX for 4.5 years and my identity was stolen last year. The thieves obtained a credit card from Barclay which they used to rent and steal cars XXXX miles away in XXXX California. I have provided tips to law enforcement, leading to seizures of some of the thieves ' equipment, and the police have video surveillance and XXXX suspects in custody, caught in a stolen vehicle with many fraudulent IDs, including some for me. I have provided this information and the police report to Barclay and XXXX in multiple disputes since XXXX. I recently mailed a dispute to Barclay and requested all documents relating to this account, including a list of all charges and payments made, all investigative findings, when they contacted the law enforcement contacts I provided, and how and when they verified any and all information, as is my right under the FCRA. However, they have refused to provide me this information and are thus in willful noncompliance with the FCRA.

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