vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I was scrutinized and asked for very personal information for a loan for {$6000.00}. I was also treated with disrespect. I was approved at first but when I went in the office to close on the loan I was asked for more personal forms of information that I thought was unorthodox for a small loan when I had already been approved. I never even received confirmation that my documents were disposed of after I was denied the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 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: MI

Complaint narrative:
We continue to get calls from debt collectors regarding people we do not know. There are several debt collection companies calling XXXX to XXXX times a day. We have told them time and time again we do not know the people and take us off your calling list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Horizon Debt Group, LLC
State: DC

Complaint narrative:
After speaking with the handler of my student loans and with the Department of Education, I was told that the XXXX XXXX XXXX XXXX XXXX Horizon Debt Group, LLC was not a recognized contractor of the Department of Education. 

On XXXX XXXX, I was contacted by XXXX XXXX, a representative from XXXX XXXX XXXX XXXX XXXX Horizon Debt Group LLC, who told me that I was eligible to have my loans reconsolidated and forgiven after a payment towards consolidation of {$900.00} and 36 months of payments of {$40.00} per month, starting in XX/XX/XXXX. On XXXX XXXX, I signed the contact electronically and authorized a payment of {$440.00}. Because I am on XXXX, I was told that my payments would be reduced and the amount I owe would be forgiven. 

However, I am not on XXXX XXXX. I was diagnosed with XXXX and had a XXXX earlier this year, and because of that, I am on long-term XXXX and am unable to work. I am also XXXX and have sustained some XXXX from treatment. 

I then received an email from XXXX, the Department of Education-approved handler of my student loans that my monthly payments were overdue. I called them, and was told they had never heard of this program, nor had they been notified of this. 

Yesterday, XX/XX/XXXX, I spoke with XXXX XXXX of XXXX/Horizon Debt Group, and was told that I needed to send an email to cancel this contract. 

I called XXXX XXXX XXXX to stop payment on the second scheduled payment on XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX Police Department Financial and Cyber Crimes Division and was told that since this was a civil matter, to contact a lawyer. Then I called the Ombudsman Group of the Department of Education to file a report. 

I do not want to put myself at risk of committing fraud and lying to get into a program to forgive my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 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 is a fraudulent third party debt collector attempting to extort money out of me. They claim they are working on behalf of an original client, but the original client had already been sued, lost in court and had to pay out money for fraudulently placing the same debt on my credit report. And that means NATIONAL CREDIT SYSTEM is into buying and selling fraudulent accounts in hopes of financial gain. What do they think is the next step for them?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Be advised this is not request for validation. This account was never verified with a notice that XXXX # XXXXclaim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I am disputing the following information directly with them, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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 2016-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This issue has already been brought to the attention of Cfpb, with no outcome, even when submitting all documentation trying resolution of this debt. 
In XXXX, after losing my job due to a XXXX medical condition, I leased a XXXX-bedroom apartment through XXXX XXXX XXXX. Below is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.I entered into this lease with a co-worker, XXXX XXXX ; and due to my job loss, and my first SS XXXX check not coming till XX/XX/XXXX ; I had a co-signer XXXX XXXX , a friend of mine. 
After not quite 6 weeks, XXXX, my roommate explained to me that her daughter needed a place to live. Together, we both went to speak with the Business-Department @ XXXX .They were understanding, allowing me to transfer to the only apt . vacant @ the time, as a temporary move until something became available on the first floor. With my medical condition worsening, my physicans wrote a letter to the XXXX that I was in need of a XXXX floor apt , due to my inability to continue living on the XXXX floor without elevators. This new address I moved into on XX/XX/XXXX was : XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX. My security deposit and co-signer application was transferred to the new address. 
Upon losing my position in XX/XX/XXXX, I was faced with filing Chapter XXXX Bankruptcy, due to my debt I could n't pay. My lawyer advised me, to convert this to a Chapter XXXX, since I could not pay the debts included in my initial Chapter XXXX petition. named XXXX as a debtor in both chapters. They did not respond to the Chapter XXXX or XXXX claims, so it was the option that they did not want to follow-up with this. 
XX/XX/XXXX, I was no longer physically able to live on the XXXX floor. I was in constant contact with XXXX Business Office discussing with them my situation. Due to this apt . being kept in excellent condition, I was able to give a 30-day notice with the understanding that this would be paid for my last month 's rent. I felt supported by them and assumed that this matter was closed. My Chapter XXXX Bankruptcy was discharged on XXXX/XXXX/XXXX. XXXX never reported this to me, and initially the collection amount was placed on all XXXX credit bureaus in XXXX. This was not reported since XX/XX/XXXX.Upon my vacating this apt . I left forwarding addresses, phone numbers and my email. I was n't placed in Collections for this @ the National Credit Systems till XX/XX/XXXX. I feel that I explained the situation to XXXX upon me leaving, and parted on good terms with a XXXX balance. I again ask that this account be removed from all XXXX credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genesis Credit Management, LLC
State: CT

Complaint narrative:
Genesis Credit Management continues to call me regarding a debt that I have disputed and do not owe. I have sent them certified letters disputing the debt and subsequent letters telling them to stop contacting me. They continue to call after XXXX and at times as early as XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 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: TN

Complaint narrative:
I received notification and phone call from National Credit System about a debt said owed to XXXX XXXX, I contact XXXX XXXX in regard to why i was receiving calls from National Credit System. XXXX XXXX XXXX stated that the previous property management showed I owned a debt but they could not locate the owed debt or a file belong to me. I have documentation on final payment and a move out clearance letter from XXXX XXXX that no balance are owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC.
State: IN

Complaint narrative:
I took out a loan in 2011 from Cash Call for XXXX The balance never goes down The interest on this loan was 139 %. I see where there is a lawsuit against them from certain states and my state Indiana is XXXX of them. I have stopped paying them since I already have paid them over XXXX. I guess if they try to sue me I will have to get a lawyer. I do n't feel I should pay them anymore money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: IL

Complaint narrative:
XXXX - I buy a car. 
My dad gives me his old car to use as a trade in, valued at {$200.00}. 
This apparently incurred a title transfer fee of {$170.00} of which I was unaware. Had I know this I would not have done so. 

I pay the full car loan off in full within 2 months. 

XXXX - I am informed of a fee I have n't paid now by a " Penn Credit '' collection agency, which is acting on behalf of the XXXX XXXX and has accrued approximately {$20.00} interest for being late. 
I was advised ( by family, perhaps unwisely ) to send this fee payment straight to the XXXX. 
I did. I have a scan of the check in my bank account, proof it was signed and cashed. 

XXXX - More paper in the mail now arrives from a " XXXX Attorney at Law '' and the XXXX claiming I ( or rather XXXX in this set of documents erroneously claiming me to be " XXXX XXXX '' --??? ) have to appear in court over this matter being unpaid, except now it 's again {$170.00} + court costs. Since I 'm tired of this, and do n't want to take a day off just to deal with it, wording says I can opt to pay the ( now ) {$230.00} dollars by XXXX XXXX of this year to resolve the matter and not need to worry about going court, so I paid Penn Credit on their site using the code they provided. I again have a receipt from the Penn Credit site with a transaction date of XXXX XXXX and payment to Penn Credit in my bank account on the XXXX. 

Later still, I CONTINUE to get mail that " I did not show up in court '' and " the fee is now {$290.00} '', as if no payment has occurred. 

I 've now spent {$430.00} for a {$200.00} price reduction on a car I bought and immediately paid off over 3 years ago. I 'm not paying anyone anything else. This is frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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: FL

Complaint narrative:
The agent was very rude and unprofessional also unwilling to listen to me took control of the whole conversation and hung the phone up while I was still talking, also I asked to speak to his supervisor and all that happened was he used a different name but was the same individual the agent name is " 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 2015-05-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACCESS GROUP INC.
State: CA

Complaint narrative:
The XXXX website ( XXXX ) is non-responsive, and that is where I make my student loan payments. For several months I have attempted to make student loans and have been assessed late fees because the loan payments have been made after a deadline. This is not fair, because I have attempted several times to make my payments online but their website is not responsive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
Springleaf has twice contacted me trying to " verify '' information regarding a relative. After the first contact I did research online to find they were only allowed to try to contact me once after I did not agree to providing information ( or confirming my relation to the individual ). Today I was again contacted by Springleaf and the representative would not verify why they were calling but simply that they wanted to collect information on the relative. After a quick XXXX search of the number I found it too was owned by Springleaf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
extremely high interest. they offered a very high interest loan and continue to e-mail me every other week with an " offer '' and it 's always much higher than before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit XXXX keeps calling and leaves no message, I called them back and tried to tell them it 's been handled by my medical insurance and they just keep talking over me. I tried to tell them to stop calling and they talk over me. One person hung up on me and another named XXXX XXXX left me on hold claiming to get a supervisor. They just keep talking not allowing me to tell them to stop calling. They do n't care what you say they just keep talking over you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Collection Management Company
State: PA

Complaint narrative:
Debt is for trash bill. Credit management contacted my parents on Wednesday XXXX XXXX, 2015 regarding a delinquent balance ( that was never delinquent ). Told them the dollar amount and threatened to place a lien on their house. All thus after my parents told them that the debt did not belong to them and they were contacting the wrong person. They again contacted my parents again on XXXX XXXX, 2015 even after the conversation on Wednesday when my parents told them they were contacting the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 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: GA

Complaint narrative:
I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureaus and affecting me negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: American Coradius International LLC
State: TN

Complaint narrative:
ACI stated that i will be served with a subpoena to court for XXXX charges of desceptive use of a check, and fraud if i did not pay my debt off in XXXX payment. My balance was not the same as my original loan amount and after a year of on time payments and i restarted another 6 months to pay it off. ACI stated those payments do n't count toward the balance, and i owe XXXX more than my original amount borrowed. How does this work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I cosigned on a auto loan ( XXXX XXXX XXXX ) for my mom on a vehicle from XXXX XXXX XXXX of XXXX, NC. Upon purchasing the vehicle we notice some work needed to be done to the vehicle. We returned the vehicle to the dealership on XXXX XXXX, XXXX and they gave us a rental. On XXXX XXXX, XXXX, we had to return the rental to XXXX and pick up our vehicle from dealership. On XXXX XXXX, XXXX, a finance manager contacted up and said that the deal was not funded and we needed to return the vehicle back to the dealer in the next 5days On XXXX XXXX, XXXX I returned the vehicle back to the dealer but they did take the key to the vehicle. I tried contacting the finance company ( American Credit Acceptance ) to notify them that the vehicle was back at the dealer but the number listed on my contract agreements was saying the number was disconnected. I received a letter from American Credit Acceptance around the first week of XXXX stating my reasons for denial. I tcontacted American Credit Acceptance using the number listed on my letter. I spoke with a Finance Manager who told me that they funded the loan but they were not notified that the vehicle was taken back to the dealer. She said they tried contacting the dealer but could n't get an answer or a call back about the vehicle. She told me to get a police report stating that I returned the vehicle on XXXX XXXX, XXXX to the dealer. I went to the Sheriff Dept. but I was told I did n't need a police report for that issue. The sheriff told me to just document my dates and keep up with them. I reviewed my credit, and that vehicle loan is on my credit with late payments and I did n't even keep the vehicle two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: American Coradius International LLC
State: NY

Complaint narrative:
American Coradius International LLC is presenting a false claim that I owe XXXX {$56.00}. There is a surplus in my XXXX account and no money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
INVESTMENT RETRIEVERSXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXXXXXXThe collection agency above has made an unauthorized hard inquiry in my XXXX credit file on XXXX/XXXX/2015 This is a serious breech of my privacy and causing financial harm to my credit score. I have never done business with this company nor authorized them to pull my credit file. Please stop this company from pulling my credit ever again. 

ThanksXXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
In XXXX I went to a so called friend who has a dealership cause i was in need of a car. They used a XXXX XXXX XXXX XXXX as the car to see if i would be able to get financed.The car was not even on the lot and i never seen it. They told me they were just using it to see if it would go through that i could change cars once approved. I was approved and next day they said to come back. They had car there and I didnt want it, they said finance co.wont change to pay for 6 months and i can come back and exchange.I did and then they wanted more.I couldnt do that, i just gave they XXXX.I was mad and upset they lied and was stuck with this car but i paid on it 2 yrs.It was way overpriced!!! XXXX for a XXXX car? I still owed XXXX and i just could do it anymore so I did a volunteer repo. I notified co several times to get car.My landlord had car towed off property.I notified finance co letting them know where car was, the tow company notified them by phone and certified letters and noone came to get car. Now Im being still charged full amount plus interest and late fees. The process was suppose to be they sell car at auction and any money left is what I could be responsible for but that is not what happened. The tow company salvaged the car because finance company never came to get the car. Now I am trying to buy a home and this one thing is stopping me from my dream of home ownership for my family. Please I need help to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation