vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 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: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
I applied online to One Main Financial for a personal unsecured loan in the amount of {$4900.00}. I was directed to the local branch after applying for the loan. I have had several loans in the past with One Main and they all have been paid on time ( never late ) and have all been paid out as well. I was contacted by the XXXX, MS branch to complete credit application and according to them, get authorization for One Main to pull my credit. I was under the impression that I had done that when I applied for the loan. During the course of the conversation, I asked to speak with the Branch Manager because the person I was speaking with said that I had to give her the make, model, miles and VIN to ALL my vehicles in order to have a " complete '' application. I told her that I was not applying for a car loan, a collateralized loan or looking to refinance my vehicles ( all are currently with other lenders ). The Branch Manager XXXX XXXX explained that they were bought out by a new company and this was a new requirement and that I was required to give this information or the application would be considered incomplete and not processed. In my opinion this is wrong and should be illegal, if it is not. If they advertise unsecured personal loans, then one should able to apply for that type of loan. If they are unable to approve a personal loan without some type of collateral, then that product should be offered at that time. If they approve a person for an unsecured personal loan and then want to offer them different products as options, then do that. But to REQUIRE an individual to furnish their vehicles ' information to the point of providing a VIN is suspect and smells of fraud or bait and switch tactics. In the past, I have applied for loans at One Main and they always gave me the option to borrow more money with a vehicle as collateral. I do n't have a problem with that. It makes sense that with collateral they would be able to lend more money. But to require this information under the guise of being able to offer you what you qualify for with other types of loans is very suspect. It appears that they are trying to " go after '' these vehicles and bait and switch you to something else that you did n't apply for. I contacted the corporate office and asked for an explanation and asked for a supervisor and they simply transferred me to XXXX XXXX at the Branch In XXXX, MS . It makes you wonder what kind of company this is when you ca n't get in contact with anyone at the corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: CASHCALL, INC.
State: CA

Complaint narrative:
My complaint is from the Very Beginning XXXX XXXX was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from XXXX. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. XXXX nor cash call ever tried to work with me XXXX just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of XXXX legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. XXXX are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law 22000, XXXX is also in violation of the Roenthal Fair Debt Collection Practices Act XXXX Civil Cod 1788, etseq. These kind of Company are Big Time XXXX that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim XXXX dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & XXXX XXXX work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & cash call was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then XXXX XXXX calls me & they acted the same way mean & Cantankerous!

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 2015-10-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I moved to XXXX from XXXX. Someone was using my credit here in XXXX. My sister has the same name but I do n't know her social. I have so many outstanding loans but I have n't had a bank account since 2000

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: National Credit Systems,Inc.
State: IA

Complaint narrative:
I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by National Credit Systems, since they only deal with that agency and not XXXX XXXX XXXX XXXX. A lady at the apartment had contacted National Credit Systems to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to XXXX XXXX XXXX XXXX XXXX, apparently a company under the same umbrella as National Credit Systems. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given 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 2015-08-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: McCullough Payne & Haan, LLC
State: GA

Complaint narrative:
Sold my home of XXXX years and upon reviewing the closing statements the debt collection law firm of McCullough Payne & Haan , LLC, presented a lien filed against me on XXXX/XXXX/XXXX in the amount of Principal {$3700.00} plus interest of {$2300.00} Plus attorney 's fees of {$580.00} plus court costs of {$100.00} to equal a Grand Total of {$6700.00} it is my understanding that the lien was placed WITHOUT any proof of Service as they could n't find me in the city although I maintained the same home address from XX/XX/XXXX through XX/XX/XXXX. I believe they used the same illegal tactics as was used by another debt collection firm that thecfpb has any action against ( XXXX XXXX, XXXX XXXX XXXX ) which also represented XXXX XXXX Bank. 
Again my understanding the lien is good for seven years and was refiled XX/XX/XXXX. and again appears to have paid {$7.00} XXXX/XXXX/XXXX I do n't know if these steps are correct or not and since I never received service on the original lien I would think the Liens were not legal! 
I had a closing attorney get involved and he negotiated a {$4000.00} reduction of the total presented in the closing documents for a new net total {$13000.00}. 
I believe this debt collector mirrored the practices of XXXX XXXX XXXX XXXX XXXX and just churned out non serviced liens to the court and the court just believed the lies and went along with being duped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It 's been paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I have been filing cases on this debt with Pendrick Capital Partners that I do n't owe this debt. Accordingly, to the HIPPA Laws they have to prove that I owe this debt. That they have never done to credit bureau 's and they have not answered back to my case number:XXXX, So, I decided to contact : XXXX XXXX Hospital myself and found out they have never reported anything to the credit bureaus concerning any outstanding debt. I am going to attach my medical bills from the hospital to prove that I do n't owe any debt for the amount they say I owe. Also, I am going to provide the letter they made themselves to try and prove I owe this debt they claim but it was without medical codes and every medical bill should provide the medical billing code to match the procedure and Pendrick Capital Partners can not provide that code. So, this debt should be removed from my credit report. The billing statement does n't match the XXXX Billing Report look at the dates on both form that says when I was in the Hospital. I never went to the Hospital on the date as report on the Billing that Pendrick Capital Partners provided on the billing statement.

Company response to consumer: Closed
Consumer complaint received 2016-11-17 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: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
XXXX has almost {$1700.00} on my account but has no idea what address ( es ) it came from nor can they give me a time period due to them " switching over '' to a new system. This issue has been going on for 5+ years and no one from the company has attempted to help me with the issue and it is messing up my credit because Solomon and Solomon ( collection agency ) is constantly reporting me to the credit bureaus. I 've only had an account with them for 3 months and those 3 months was paid off 3 years ago.

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 2015-11-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: TX

Complaint narrative:
This is the complaint on the services in association with Comerica Bank, Comerica Bank XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX. 
This card is from Direct Express Treasury, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX. 
This debit card is required used for Social Security recipients. 
The complainant is a veteran and has both documented XXXX and XXXX diagnosed. 
This account has resulted in numerous card changes based on reported security problems, deficiencies, transactions problems. 
Transactions and withdrawals, cash back transactions have been swindled. 
Several fraudulent and many non receipted transactions have taken place. 
Complainant is XXXX XXXX. 
This card service is in need of investigations for fraud, other financial crimes, racketeering, swindling, financial problems. Predators, robbers, thieves, crooks willconjure, stalk, plan thefts against Social Security recipients, based on the receipt ofpayments on and around the first of the month and they know that recipients have debit cards. 
Complaints have likely been filed against these services in the past and are likely current. 
XXXX recipients may likely be victims of stalking, robberies, thefts, and other crimes associated with the Comerica Bank debit card account. 

To resolve this on going problem, investigations should be able to determine fraud, unwarranted surveillance practices, thefts, any other financial crimes, white collar, organized, financial, bank frauds, violations that are the result of this debit card required system. 
Customer services, merchants, ATMs, banks, may be responsible for problems, complaintsassociated with the use of the debit card system. 
Consumers who have been victimized by these fraudulent services need to be compensated andother financial services need to take the place of these fraudulent services. 

This institution is responsible for the insolvency and its many complaints that may or may not be documented. 
Banks closures are a recommended solution and will likely benefit the increasing continualfederal debt crisis as numerous other financial institutions have faced numerouslawsuits, litigations, rulings, cases, complaints, and the like.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I had XXXX credit card accounts that were charged-off because of a lack of employment. Nonetheless, I settled each of the XXXX accounts. Below are the details of the terms and conditions for each settlement. 

XXXX XXXX Account no. : XXXX I agreed and honored the terms and conditions to the settlement amount of {$650.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$1400.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$930.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed.

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 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient is the worst company, you ca n't even pay additional loan amounts unless you call in a payment or send in a check. It 's been going on over a year since their new website launched, it is like they are doing it on purpose so they can milk more interest out of me. They have severely failed their customers, I work in XXXX as a XXXX at a college so I am not some novice when it comes to this field. I am being punished because of their faulty practices, I spoke with XXXX who has followed up with me after my complaint to the XXXX. of XXXX and she has been helpful but she does n't run the company. How is it that a website can ONLY allow you to pay what is due? If I wanted to add {$50.00} to my payment I can not unless I send a check or call them, this is a ridiculous solution in XX/XX/2017 when everything is online and mobile. I never had issues before they broke off from XXXX XXXX, XXXX XXXX was no treat but I could at least pay more money monthly into my loans. I do n't even know if my loans have been properly serviced over the years, if I was a betting man then I would guess there are all kinds of errors on them and the payments have n't been properly allocated. I really feel I am owed something from this company, I myself have thought about legal action which would be expensive but I have family who work at law firms as well as friends who would most likely be willing to assist. I am sick and tired of the excuses I get from Navient, telling me I do have options to pay additional principal via phone or sending in check is a pretty weak solution to their website seemingly purposely not allow you to pay off your loans quicker. No other servicers have this issue. I really want this to be seen because I am in the party who is trying to pay their loans off ASAP and Navient makes it XXXX near impossible and their solutions are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I contacted XXXX regarding consolidation of my loan with my spouse 's loan almost 20 years ago, I was not told that I this constituted " refinance '' and I would never be able to refinance again. I consolidated my loan and locked my interest rate in approximately 5 % higher than current/recent rates. Later, when I was out of work, I contacted XXXX for assistance and was only presented with the option of forebearance. I was not adequately explained how the compounding interest would affect my balance. After many, many years of repayment, my spouse lost his job and I learned about income based repayment through my own research. I applied and was accepted, but the recertification process was not explained to me. At the end of the year, I had to pay the full payment plus a late penalty for several months because I had continued to pay the amount based on the income based plan only. Finally, my spouse found new employment and during the recertification for our income plan, we were given a very large monthly payment amount. I had to ask multiple times to finally be advised that my payment would actually be less if we went off the income based plan and just paid the regular amount. I had to make numerous verbal and written requests to go OFF the income based plan. I have been in the process of repaying my student loans for over 20 years. I now owe approximately 3 times what I originally financed, and by the time I finish repaying, I will have paid approximately 5 times what I originally financed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been paying towards my principal amount for a couple of years for a loan that has an original balance of {$6800.00}, interest rate 4.25 %. My current balance says {$6700.00} and when I look up payment history, one year alone has about {$300.00} towards principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I applied for direct debit in mid-March of 2015 for a private student loan serviced by Navient ( originated with XXXX XXXX ). I was given to understand that it could take a few billing cycles for the automatic debit to kick in, so I made a manual payment for XXXX. When I noticed that the XXXX payment had not been automatically debited, I called the private arm of Navient on XXXX XXXX and asked why no XXXX payment had been debited but my " amount due '' shown on the Navient website was at {$0.00}. I was told that it was taking a little longer than normal to activate direct debit and that my account had been put into an automatic forbearance. I was told that this would not affect any credit or reporting, but that interest would continue to accrue on the unpaid balance ( including that payment that was n't made-without my knowledge- in XXXX ). I was assured by the customer service representative that my next payment would be automatically debited as scheduled on XXXX XXXX. As of XXXX XXXX, no payment has been debited. I made a manual payment on XXXX XXXX, even though the website still says my amount due is {$0.00}.

Company response to consumer: Closed with non-monetary relief