vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc.
State: LA

Complaint narrative:
Clear spring loan services called me several times a day trying to collect on an amount they ca n't prove I owe. I submitted a previous complaint XXXXand they responded by saying they need 60 more days. Why do you need 60 more days, you were trying to get me to pay some bogus amount immediately and now you want 60 days to get your act together. Either you can prove i owe the amount or you ca n't. Why do you need 60 days? Are you trying to find proof? If that 's the case you were illegally collecting from me this whole time and assumed i was some XXXX who would not ask for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: CA

Complaint narrative:
This is a totally phony attempt to collect a debt that does not exist. I see on the Internet that this company is known for scamming people by trying to collect on imaginary XXXX debts. Please prosecute them and put them out of the collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
Certainly, I got a letter from Solmon and Solmon Pc Debt agency that I owed {$6200.00} to XXXX BANK, I have never heard that name. Letter mentioned that I have XXXX but I have never applied XXXX or had it.

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
Consumer complaint received 2015-11-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Atlantic Consumer Services
State: PA

Complaint narrative:
I was contacted by " XXXX XXXX '' from Mid Atlantic Consumer Services via phone and email, saying I owed {$1300.00} for a plain green loan from XXXX. I never received a letter yet by XXXX Mail from this company. She only gave me the name and account ( XXXX XXXX XXXX for the creditor, never a website or address. The problem is I was contacted by a company in XXXX XXXX called XXXX XXXX XXXX and paid them through XXXX Billing {$110.00} a month for 7 months, XXXX XXXX through XXXX XXXX. I have been doing some research and have found that all these companies operate with addresses out of NY that go to post office boxes in a XXXX store, XXXX XXXX and recently got a XXXX address. I already paid what I now believe to be a bogus company and I do n't want to be expected to pay another bogus company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't stop charges to bank account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I got a loan with One Main XXXX XXXX. for I think $ XXXX ( Ca n't find statement for initial letter. I have fallen on hard times and called them XXXX/XXXX/XXXX because I noticed that as of my statement on XXXX/XXXX/XXXX I still have a balance of {$1900.00} left. This is ridiculous after all this time. I called the company and explained I could n't pay the loan anymore and to come get my car. The company waited a couple of weeks then called me back and told me the would not come get the car and I stilled owed the balance. This does not seem fair. I am on XXXX and I feel that I am being taken advantage of. They call my phone at least 5 times a day and will not just come get the car

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Collection Management Company
State: PA

Complaint narrative:
Company of original debt, XXXX and it 's collector, Credit Management Company were both notified multiple times that the debt had been satisfied. Entity and collector were provided with receipts and emails from practice manager indicating as such. Company was sent notice on XXXX XXXX, 2016 to cease and desist collection efforts. Company sent that notice back to us with an envelope demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
I have filed a few other complaints related to this situation. My payments on the loan I received from One Main Financial were not correctly applied to my balance. And after I filed my initial report with the CFPB, they stopped sending me bills. I figured the complaint I filed with the CFPB had motivated the company to correct their mistake and finally properly apply my payments, making the loan paid in full. So to be sure, I called One Main Financial. I was told my account had been charged off. But, they never sent any mail notifying me of this. I was then transferred to a recovery department. The representative I spoke to told me she could n't give me much info about my account and someone would have to call me back in a few days. It 's been almost two months. I called back today and was just transferred around to several different operators as well as given very different phone numbers for what was supposed to be the recovery department. I finally spoke to XXXX representative who told me the reason I was probably being rerouted back to the main number is because the recovery department goes to lunch XXXX However, I think it 's still ridiculous that no one could give me answers about my account. I want to know what type of consequences the company can face for stopping my bill statement and then charging off my account without notice. They have the title to my car also. Should I get a lawyer? This was a very bad loan, if I pay back the entire amount they are requesting then my interest will have been 100 %! I borrowed {$6000.00} and they want me to pay back {$13000.00}! Please help. My sister is in college and neither me or my dad can co-sign a parent plus loan for her because of this predatory loan One Main Financial misleading led us into. It 's not fair. i 've paid quite a lot on this loan and I 'm just ready for this to be resolved so i can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: IL

Complaint narrative:
Calling for someone that does not live with me and never has.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
XXXX purchased my loan from Springleaf in XXXX 2014. XXXX states XXXX of my {$500.00} XXXX payment was kept by Springleaf XXXX XXXX also states an additional {$390.00} was billed from Springleaf for repayment of Corporate Advace. XXXX provides no proof of this and refuse to bring my account up to current status. Please review your records for these transactions. 
XXXX statementWe have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Our records indicate the servicing responsibilities for the mortgage loan account transferred to XXXX, effective XXXX XXXX, 2014. Enclosed for your review is a copy of our Welcome Letter, dated XXXX XXXX,2014. At the time of the transfer, the mortgage loan account was next due for the XXXX XXXX, 2014 monthly installment. The Springleaf Financial Services ( Springleaf ) transaction history reflects the receipt of {$500.00} on XXXX XXXX, 2014 ; however, at the time of transfer Springleaf forwarded the partial balance amount of {$240.00}. The funds received were not enough to complete the monthly installment amount. In reference to your concern regarding the fee of {$390.00}, please be advised this was not a fee charged to themortgage loan account by XXXX. This amount was an adjustment to the XXXX XXXX balance which transferred from Springleaf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
want to cancel my membership and am unable to do so. I work for the Federal Government and they recommended I request a free credit report through XXXX. I signed up for through this website XXXX and did not receive any information on how to cancel membership. My bank is being charged {$17.00} a month by TU TransUnion and I want it canceled now. TransUnion said they have no record of my account but their name shows up on my bank statement for the draft. If I do not hear back from Annual Credit Report, I will report this as a fraud to all credit reporting agencies and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I was living in XXXX XXXX OH for 3 years. I have moved out to new location. after few days settlement charges are sent. It was {$710.00}, an unbelievable high charge. one of the item that an electric stove was asking {$480.00} dollars by saying reason that spoiled by me. Actually I used to cook at last day also there. I opened top cover to cleanup before moving out. the new similar stove in market is {$350.00}, also apartment given me old stove that have an appraisal value of {$150.00}. 

I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 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: DC

Complaint narrative:
I NEVER lived in North Carolina. So how can l be charged for something l dont know about. 
Yes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: MS

Complaint narrative:
I want to try this again since this company 's response is always the same. I do n't feel that this company is looking into this at all and I feel they are running an illegal practice in their collection agency. 
I have recently relocated to Mississippi for work and was informed by my attorney that this claim needs to be taken off my credit report per Mississippi Law. I have been fighting this company for over a year now with this claim. IT 'S NOT MINE. I am trying to buy a home as I am currently living with a coworker and trying to XXXX with me. So for the last time before I get my attorney involved take care of this claim. 
You claim you ca n't find me in your system, well here 's your info My account number with you is XXXX Your clients account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am just beside myself. Equifax has repeatedly victimized me without a second thought. They are reporting information on my credit report that is NOT mine. They 're saying people can do a hard credit inquiry for " permissible '' purposes. The recent inquiries on my report DO NOT fall under " permissible '' because I have NEVER done any business with these companies. In addition, they continue to report a XXXX XXXX account as late that IS NOT MINE. Finally, they are reporting a XXXX XXXX Secured Card that my bank opened without my permission and was NEVER funded. The account was NEVER open and active. That should NOT be on my report! I have been victimized for years and I am begging for someone to PLEASE STOP THEM. I 've already proved information they claimed was " verified '' is false. Furthermore, I 've contacted the people who pulled my credit without my permission and they have no explanation. Those inquiries are illegal and need to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 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: AK

Complaint narrative:
Received a debt collection notice for a name close to mine but incorrect middle name from National Credit Systems , Inc claiming that I have a {$500.00} debt. They are claiming that I would only have to pay {$250.00} to clear the debt. I believe this collection notice to totally be in error. I have never done business with the company that they list. When I XXXX this Collection Company I found that there are numerous complaints online against them, including being rude on the phone and having erroneous information. This is why instead of calling the company I would try to make things easier and file a complaint here.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: MA

Complaint narrative:
I moved out of XXXX XXXX XXXX 2014. Almost a year later I received a letter from a debt collection agency seeking {$5900.00}. I had no knowledge of my debt. Under the fair credit reporting act, XXXX should have made a goodwill effort to notify me of the debt before sending it to collections. They had my phone number and forwarding address, yet failed to communicate and give me a chance to pay any debt, as well as dispute inaccuracies. Because of this I have been denied XXXX apartments and it has severely affected my credit score.

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NE

Complaint narrative:
Springleaf Financial purchased this loan from XXXX XXXX some time ago. They sent me out notification of this taking place and asked at that time if I would agree to be contact by their personnel. I specifically said no and checked the box stating same on their form. Did n't matter, they contacted XXXX times after they received that back in their office. I also advised them that the amount owed is over 5 years old and collection of same is barred by Nebraska statute. I believe that the fines for contacting me after being told not to do so is up to {$1500.00} per occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: ME

Complaint narrative:
I had a mortgage with Springleaf Financial starting in XXXX. I did a loan modification in XXXX XXXX in XXXX XXXX they did an escrow anaslysis and their party company that does the taxes and insurance reported we owed more taxes. So Springleaf increased my payment ( I was unaware ). I kept on making my regular monthly payments but because of the inaccurate report from a company they hired the payment was not distributed correctly which made me 2 months behind. I XXXX XXXX they realized the error but they did not go back and recalculate the payments to bring me current. Instead my mortgage was sold to a company that has a BBB of an F and reported as two months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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: KY

Complaint narrative:
I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
I have already contacted MCB about this debt. My ex-wife is responsible for this debt as she was given our house and business in our divorce. I refuse to pay this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
this is a debt for an apartment that I signed for my son, o explained to this company. this account was a pay to delete agreement. I paid XXXX dollars to this company for this debt that I did not incurred but I signed for my son to live there so I was held liable. once I pay the debt to National credit systems I received a letter stating the account was paid, so I immediately thought the process to delete this from my account would follow. from XX/XX/XXXX until XXXX XXXX I know this account should have been adjusted. so I wrote them a good will letter and explained what was agreed upon payment and that I kept up end of the deal and they did not. I want this account deleted from my credit file all XXXX as I was paid and agreed upon. I faxed and mailed letter to this company and no response or removal of this account from my credit file. They are holding my credit file hostage with his derogatory information that was suppose to be deleted years ago. I want his account removed asap from my credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
OneMain said they would turn my account over to an attorney and threatening to sue me. This is my second complaint on this company. XXXX for calling me at work and getting me in trouble and now threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
I have been receiving phone calls from XXXX for XXXX a year. I have received as many as XXXX calls a day. I do not owe money to anyone and the person has neglected to say who I owe money to. I have told them to stop calling but they still persist. I have never received any communication as to why I am getting these calls. They even call on the XXXX. I have all call records from my cell phone, which is also registered on the Do Not Call registry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Previously filed a complaint - [ Case number : XXXX ] Debt collector contacted me several times, via email and phone ( leaving messages at work and cell ). 
This is a violation of the Stop contacting me request I sent via Certified mail. Additionally, they have not complied with providing the debt validation within the 15 day period after receiving the letter.

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