vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 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: DC

Complaint narrative:
I was billed by the local electric authority ( XXXX ) for the balance of a bill I did not know that I owed ( I had moved away from the apartment in question several months prior ). I received a letter from XXXX that was forwarded to my new address and I paid the bill, directly to XXXX, on the final day that it was due ( XXXX/XXXX/15 ). 

About a week later I received a letter, issued XXXX/XXXX/15, from PennCredit attempting to collect the debt on behalf of XXXX. I called PennCredit at their listed number on XXXX XXXX. I explained that the bill had been paid, and the person answering the phone assured me that PennCredit would verify this with XXXX and that I would need to take no further action. She told me that PennCredit would be unable to verify that the matter was settled in writing. 

Today, XXXX XXXX, I was informed by my stepmother that Penn Credit repeatedly called my father and stepmother 's house, seeking to contact me. I have not lived in the same household as my father for 17 years. I called Penn Credit to ask why they were continuing to follow up, and the person answering the phone was only able to tell me that she had a record that the debt was paid, as well as a record that the phone call had been made, and did not know why my record was still being called, as there was no outstanding debt. She was unable to provide any kind of additional confirmation that I should not longer be contacted ( really, I should not ever have been contacted in the first place ) and that this would not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I have several issues with this company. When I first applied for the loan, I was told by several people at the office, including the branch manager, XXXX XXXX, that this was a simple interest loan and that I could make extra payments directly to the principal of the loan if I sent it to the office directly with the phrase " Principal Payment '' on the check. Furthermore, when I paid extra on the website and the payment was divided by the normal schedule instead of a principal payment, I was again told by the staff at the XXXX XXXX, CA branch that I should have sent it to them as a principal payment. 

Well, I recently decided to start paying this loan quicker and sent them a payment directly as I had been told multiple times. XXXX XXXX actually called me to tell me that they could n't do that and that I would be paying the loan as agreed in the schedule. When I asked XXXX XXXX about what he has promised me, he refused to respond other than to ask me what to do with the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
My husband and I have been trying to get a payoff on a RV loan faxed to XXXX in XXXX, Ohio from First Merit Bank in XXXX, Ohio for the past 10 days. We are senior citizens and have decided we are getting too old to be hauling an RV everywhere. We have an interested young man who wants to buy it. His loan has been approved through the bank in XXXX. The bank requested the payoff in writing be faxed to them from First Merit. After numerous phone calls requesting the fax be sent, they are now telling us only XXXX handles that and she is out of the office. They wo n't give us XXXX supervisors name. In the meantime we have had to turn down XXXX prospective buyers because we think it is sold. Our buyer is getting impatient because he needs the RV for his business travels. Seriously 10 days to figure a payoff which the computer will do and fax a document? That 's really inefficient and unprofessional. We 've had payoff information faxed from other banks recently and they all did it while we were on the phone with them. First Merit is going to cause us to lose the sale on the RV. And we 've turned other prospective buyers down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I recently applied for a home loan, I was advised that there were several hard inquiries on my report that were not authorized. I contacted Springleaf and they advised that I needed to contact experian but they said that Springleaf needs to resolve. I sent a request to experian to have removed XXXX. I attached the latest request. I would like the inquiry removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was working for a XXXX when XXXX declared Bankruptcy. I was under a lease with XXXX and explained the situation to them. I was only a few months in my lease when it happened. The front office of the apartment complex understood my situation and told me they wouldn't try to collect any money from me due to extenuation circumstances.  They never tried to contact me about payment or mail me anything. The only reason I found about about this debt is because I checked my credit online and found it. I did not receive anything in writting nor other communication attempts. I also did not receive notice to dispute this debt.  I moved out of the complex in XX/XX/2009, and the report is dated XX/XX/2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 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: MI

Complaint narrative:
PennCredit contacted me about a debt in XX/XX/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX/XX/XXXX ) from them about the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
The lender continues to contact me at work. As a XXXX I can not continue to be harassed at work. I have already been warn by my supervisor that the phone calls must stop. I informed the lender that they could put my job at risk, her exact response was that they will continue to call until I paid the loan. This has happened before where I have made a payment agreement to pay by a certain date and they called me everyday until that date that was agreed upon. I could lose my job because of these call to my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I submitted a complaint XXXX about The NCS inc, they did not send out the notice to me to offer to lower the debt on XXXX/XXXX/16 it was sent around XXXX/XXXX/16 they said that they gave me a dead line of XXXX/XXXX/16 this is false the deadline was XXXX/XXXX/16 and I have the letter to prove it. it is clear that this company do n't mind lying to achieve their goals. They have XXXX complaints about their underhanded tacticts and many more coming daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 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: OR

Complaint narrative:
amount that was sent to collections was {$1500.00}, collection agency is now looking for 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 2015-05-13 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: NM

Complaint narrative:
I have called many times after seeing this on my report. I spoke to someone and they could n't find any information in their system and seemed irritated that I was trying to figure out what the debt was. I asked them to remove this reporting from my report or provide all the documentation to me showing that what the debt is for and that it is mine. They never sent anything but still continue to report it messing up my credit costing me lots of money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ACCESS GROUP INC.
State: FL

Complaint narrative:
Access Group , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX is calling my fax number XXXX a week and sometimes several times a day via Robo call system. I finally called them they are collecting student debt. I do n't have student loans, i do n't have kids and have not guaranteed anyone. The lady that answered the phone did not even know the address of the building she worked in. After pressuring her she told me. She said she would try to take my Phone number off but did not guarantee it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I keep informing the representatives that I can not receive these types of calls at my place of employment, and they continue to call - everyday! It is getting to the point where my ability to stay gainfully employed due to the excessive calls after I have verbally, with no success, requested to stop has XXXX impact on their intention to stop calling. I am reaching the end of my rope because I do not know what to do at this point. What adds insult to injury, I do not owe this debt because I have an active, XXXX account and the tolls ARE being deducted from my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: FL

Complaint narrative:
Debt was not verified by contract or signature. 
National Credit systems inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We used a Chase VISA credit card for services at a veterinary clinic. The services were sub-standard and were harmful to our pet. Although, we disputed the charges, XXXX XXXX, disputes dept. XXXX, extension XXXX said that services rendered could not be disputed. However, this is incorrect as XXXX publishes that services can be challenged if they are not in accordance to a reasonable standard when compared to similar merchants. Although we provided extensive evidence that the merchant failed to provide services in accordance with a reasonable standard by contacting XXXX major veterinary clinics, XXXX XXXX refused to proceed with the dispute saying that even if that were true, Chase can only ask the merchant bank for a credit which she was certain they would not provide. I was surprised by this as I had been a XXXX year customer of Chase bank. I was even contacted by the Chase " Executive Office '' only to disover this was another level of customer service with no ability to make decisions. The agents name was XXXX XXXX, XXXX, ext XXXX and she said that Chase did contact the merchant bank but they refused to issue a credit saying the charges were valid. Again, since we were able to provide evidence that the services provided were substandard, caused harm to out pet, that was XXXX results took XXXX hours to receive thus extending the hospital stay and costs, unnecessarily ( 24 hrs is standard turn-around time for results at all vet clinics of similar size ), we dispute the services as substandard and useless due to timing issues which provided little to no options for us to consider in the treatment of our pet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I did not received the proper information on the validity of this debt. I am now requesting additional information for the debt to be disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
XXXXNationstar Mortgage foreclosed on my father 's home at XXXX XXXX XXXX, XXXX CT XXXX & the title did not revert back to the bank until XXXX/XXXX/2015. XXXX/Nationstar Mortgage illegally locked me out of the home from XXXX to current not allowing me to retrieve my personal belongings. I have tried for well over a year to get access to the home by the bank but have been ignored and unacknowledged. 
This complaint is not about the foreclosure itself but about the process that was not followed by the bank to evict my personal belongings. According to the law, the bank forecloses on the real property not the personal belongings inside the house. The personal belongings became a tenant to the house and the bank then would need to file the appropriate paperwork to have the belongings removed. The only person who can remove property from a home is a XXXX XXXX and that is only after ejection paperwork has been filed and processed and approved by the courts. 
I notified the Nationstar 's hired bank representative XXXX XXXX of XXXX XXXX in XXXX CT once I notice they had the home on the market and identified that the property inside the home is mine and I needed to retrieve it. She refused me any access and said she did not know how to get in touch with the bank. I asked her for contact # or email to the bank and she said she did not have XXXX. Immediately the next day I was advised by XXXX of my former neighbors that the house was being unloaded and dumpsters were being filled up ( see pics ) as well there were multiple pick-up trucks loading my property inside their vehicles. 
I again attempted contact with the banks hired representative XXXX of XXXX and she refused to help and told me she did not know how to get in touch with the bank. I said what they were doing was illegal and they had no jurisdiction to take my property from the home. 
In the meantime we were in contact with XXXX XXXX, State Prosecutor for the XXXX XXXX Connecticut XXXX Court who help us initiate an investigation with the XXXX Police for both criminal/civil actions. The XXXX Police have an open case file on this matter ( still open ) and they also have been in contact with all the parties as well. The police advised all parties that no property was to be removed any further from the home and everything was to be put back into the home from the dumpsters. They again were ordered to put all the property left in the last of the XXXX dumpsters back into the house and advise all representatives that there was a criminal investigation going on & that it was illegal to remove it.

Company response to consumer: Closed
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
credit reporting companies reporting XXXX late auto payments / should only be XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
The loan company has been giving my information to my spouse which is illegal in the state of South Carolina. After I have called them to request a payoff, they are refusing to give it to me due to the current situation I have discussed w/ them. I have called them 2 times within a 30 minute period for my payoff & they keep putting me on hold & then saying they have it taken care of. 3 hours later, no payoff faxed to me or no phone call back to let me know what info I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NY

Complaint narrative:
The Department of Social Services paid my XXXX XXXX XXXX XXXX when I was laid off. I have since moved and have been paying back the Dept. of Social Services for this. I received notice from Penn Credit collection agency in stating I owe XXXX XXXX. I sent them a certified signature required letter with copy of confirmation of Dept. of Social Services making payment and requested they remove from my credit report and to correct this information on their end. Rather than do that they again sent me only a request for payment, even though they signed the certified letter from me. I called and they started yelling I owe them money so I stated I was filing a complaint with CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC.
State: TN

Complaint narrative:
I have a XXXX-Cash call-XXXX loan. I obtained this loan in XXXX 2012. I pay {$480.00} a month. It was a {$5000.00} loan. After XXXX I have paid in & gt ; {$8000.00}. I thought it was a XXXX month loan at 100 % interest ( I was desperate at the time ). I called to check my pay off and was informed the pay off was about {$5300.00} at 116 % interest and 100 % daily interest with a XXXX month loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Global Payments Check Services, Inc.
State: NJ

Complaint narrative:
when making a purchase at XXXX in XXXX nj, I wrote a check. XXXX contact global payments check services inc for authorization, they declined authorization without reason. I contacted Global who refused to give a reason and informed me they also ran credit checks for check authorizations. Global never asked for authorization or permission to run my credit. Global also acts as a Credit Reporting Agency and collects their own info on people which they base their authorizations on. They refuse to give reasons for declining a check and says they do not correct any info because they do not speak to individuals when they decline to authorize a check. Global Payments Check Services Inc. needs to be investigated for their collection of info and compiling of credit reports that they base their decisions on. Global Payments Check services Inc should be fined for the unauthorized credit checks they run when contacted for a check authorization. Global Payments Check Services Inc appears to be trying to circumvent laws and regulations when it comes to consumer laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Everest Receivable Services Inc.
State: MA

Complaint narrative:
I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone.

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