vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ; located in XXXX XXXX, NC. XXXX XXXX XXXX Co Manager has filed a false judgement/lien against me and my good name at the XXXX County Clerk of Courts Office and filed a Writ of Execution from the XXXX County Sheriff 's Office ( Civil Division ) from the XXXX County Clerk of Courts Office on behalf of Co Manager XXXX XXXX XXXX of Springleaf Financial Services XXXX XXXX, NC for the amount of XXXX plus a Sheriff 's fee for the collection process, court costs and any interest due which is accruing daily. An Execution is a judgement entered against me which is recorded in the courthouse and is affecting my good credit, name, opportunities, as such time it exists. As a result any property which I own that has not been designated exempt by the courts is subject to and is sold in order to satisfy this FALSE JUDGEMENT ENTERED AGAINST ME by XXXX XXXX XXXX of Springleaf Financial Services signed by Sergeant XXXX XXXX dated XX/XX/XXXX. Springleaf isn't in business anymore due to a Federal Court Order to divest 127 Springleaf branches including North Carolina and 7 other states. Springleaf has already been cited by Consumer Financial Protection Bureau in XX/XX/XXXX by violating Federal Laws their practices hurt consumers while compensating the employees of Springleaf .. Ratios stated credit little value to the customers even while selling the credit insurance used deceptive practices and EVENTHOUGH I I canceled my XXXX Insurance XXXX XXXX XXXX in the principal balance deliberately failed to correctly deduct my portion of monies owed to Springleaf Financial Services and refused to correct my balance owed to Springleaf when bringing this to her attention on XX/XX/XXXX with the Office Manager agreeing with XXXX XXXX XXXX. I was still ordered to pay the Incorrect Principal added to my Balance then and was threatened to report that balance to credit bureau hurting my credit scores. I was called and harassed by office personnel after hours and before I paid my loan with letters too violating the collection laws of NC. The company is XXXX XXXX XXXX XXXX has reported this balance of XXXX which I deny owing then or now. XXXX XXXX XXXX and Management of Springleaf held monies owed to me and added fees to this false debt/claim and reporting the errors to The XXXX County Clerk of Courts Office as a judgement/lien and The XXXX County Sheriff 's office civil division to hurt my credit and violating my FTC Laws and Credit Reporting Act because this isn't true but false I owe Springleaf nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed out of {$70.00} for a concert ticket. Because I used XXXX, they refused to do anything about 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 explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The following were disputed and PNC won't reverse this also caused four fees of XXXX dollars for nsf which should have never happened. XXXX was withdrawn which I disputed they provisional credited XXXX they owe me XXXX plus XXXX in fees as follows On XX/XX/XXXX XXXX and XXXX on XX/XX/XXXX XXXX   XXXX and XXXX XX/XX/XXXX XXXX and XXXX   XX/XX/XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX.  I've disputed with the company some are duplicate charges some were cancelled some didn't download I've removed all PNC cards from this company so they can not longer access our account. I want the money returned immediately or I will pursue further. All contact must be in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX I made a payment on my XXXX store card for {$35.00} but the company then took XXXX from my checking account instead. 

I have been making payments on this card for over a year and I am very familiar with the interface. This was a mistake on their end. 

I called and spoke to a supervisor XXXX ( ID : XXXX ) who informed me that they can not send a refund check until XX/XX/XXXX! Meanwhile my checking account is overdrawn and bills will not be paid.

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 monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
On XX/XX/2018 Experian added a collections account {$5200.00} to my credit profile. Fail to send a written notice of debt before adding it to my credit profile.

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 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Windham Professionals, Inc.
State: WI

Complaint narrative:
I have been trying to contact Windham Professionals to send me the letters they sent when my student loan was in default in XX/XX/2016. I tried reaching out to their Consumer Relations department and no one answers. I tried emailing them for the information and they said I needed to call them in order for them to verify my identity. All I am looking for is the letters they sent me w/ the fees they charged. The student loan has already been rehabilitated.

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 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: QuickClick Loans of Illinois, LLC
State: SC

Complaint narrative:
XXXX collection agency went through a third party, without my consent to acquire my new bank information and began drafting {$75.00} out of my account. They withdrawal {$75.00} in XXXX and XXXX of 2018. I never signed, finalized, or spoke with anyone. And their isnt any court orders to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Going thru modification with penny mac changed principal balance due and terms of loan from a fixed to a varible called several times single point contact to get hold underwtiting no response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have a loan that I cosigned for my younger brother. He was having payments taken out automatically on the XX/XX/XXXX of the month, and Navient stopped taking them out without warning in XX/XX/2018. When we were told he was behind on payments, my brother called in XX/XX/XXXX to have payments started again, which was supposed to occur on XX/XX/XXXX. Meanwhile, Navient reported ME to credit agencies, dropping my credit score from XXXX to XXXX when it was their mistake. It is the XX/XX/XXXX, and payment has not been processed for my brother 's loan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
see uploaded documents. Mr. cooper offered a pre approved modification After the 3 trial payments got the modification paperwork and was appalled my mortgage lenth went  from 20 years to 40 years. When I called them was told oh a modification isnt always a good thing. How can they justify doubling from 20 to 40 its not right at all. Also from the moment they took over as servicer there has been numerous issues. I spent a lot of effort to get my ex husbands name off and now its back on there. 

i need help they take no responsibility for any issues at all ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I setup recurring payments to pay down my credit card bill using their online automatic payment system intending to pay down my bill. Bank of America charged me a late fee every month I  made payments in increasing amounts. {$25.00}, then {$38.00} per month. 

After talking with a representative on the phone, they said my payments did not post on the right day. Monthly payment software system allowed me to make payments after due date. Payday loans also work in this manner. Allowing clients to post payments after the due date and adding late fees. There were also no phone contact with the company or messaging. I also explained that I have been a customer for 13 years.

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 monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There was a hard pull inquiry from XXXX put on my account on XX/XX/2018. I did not authorize any hard pull and was not notified there would be any hard inquiry on my file. I have tried to call the company they said they would look into the matter and over 30 years 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 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/2017 Quicklen Loan gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2017 XXXX XXXX gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized 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 explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis
State: NY

Complaint narrative:
On XX/XX/2017 Cbcinnovis gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I purchased this car at the end of the lease, for the exact Purchase Option amount specified in the lease ( {$13000.00} ). I was told by GM Financial representatives, more than once, that GM Financial could not sell me the car directly since I lived in Pennsylvania, but that I could go to any GM dealer in the area and they could take care of it. I went to XXXX XXXX   XXXX in XXXX, PA on XX/XX/2018 and executed the transaction, or so I thought, but I continue to get statements and bills from GM Financial for Lease End Liability charges totaling {$3500.00}. On several subsequent calls to GM Financial, I was told XXXX XXXX could straighten it out, but they seem as confused as I am. Since all I did was execute a contractual option in the lease, and follow the steps I was given by GM Financial to do so, I don't know why I'm in the middle of what is apparently an issue between GM Financial and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2017 XXXX gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized 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 explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2018, I was informed through XXXX XXXX that my XXXX XXXX  store credit card had been closed as of XX/XX/2018, by a credit grantor. This was done very haphazardly and without warning. After speaking to a XXXXXXXX XXXX representative, I was told I was not able to reactivate my account due to inactivity. Being away at school for the past several years has restricted my opportunities to utilize the card for that period of time. I do not feel as though this account should have been closed without my consent in light of my situation. Furthermore, this arbitrary closing has also severely affected my credit score. As a long-standing customer with XXXXXXXX XXXX, I feel it is their obligation to intervene and rectify the situation. Thank you.

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 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX sent me - by name - a credit card offer promising XXXX bonus Skymiles and a {$50.00} statement credit if I spent over {$3000.00} in three months and bought a ticket on XXXX XXXX  website. I did all that, but no bonus and no credit. Why? When I called, they quickly told me it was because years ago I had a XXXX credit card. Really? Then why did they send me the bonus offer? Credit card companies should be obliged to honor the bonus offers they send out to individuals, if the basis for refusing the bonus was known to the company at the time they sent the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
XXXX : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

Equifax : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I turned in the XXXX XXXX XXXX under miles and in solid condition. I scheduled the handover with the dealership and the representative looked over the car. I made the payment due and was due for 2 more payments which they told me would be billed. I received a condition report the {$220.00} total was due at {$110.00} each tire. I received a letter dated XX/XX/XXXX, stating this is not a bill, but {$1800.00} was total. Another letter dated XX/XX/XXXX was sent out stating how they calculated what is owned as follows : " we used the proceeds from the sale to determine what amount, if any, you still owe us. '' But the amount was the same as in XX/XX/XXXX letter which was not a bill. I have contested the amounts due as I am being charged for tires that were returned with adequate tread. They forwarded a picture which purports to be of tires, after they claim they sold it and you can't even see anything to document that it is even a tire. I sent in check for 2 months and they return check saying couldn't identify even though name, address and 4 last numbers of lease were included. I have resent a check for the 2 months with complete lease number around XX/XX/XXXX and to date do not see it processed. They have told me 2 different ways of determining what I owe but the amount stays the same. Over the phone they said they sold the car but can not produce the bill to show what proceeds were received. I disputed the amounts due back in XX/XX/XXXX. I dispute that the tires were worn as they detailed, they were returned with adequate tread.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
This company keeps calling after I have asked them repeatedly to stop calling. They are calling my phone on Sundays as well. XXXX XXXX. Unwarranted calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
My total student loan debt is around {$55000.00}. Half of that is federal loans, and the other half are private. The federal loans are easy to repay due to their income driven repayment plans. My private loans on the other hand are out of control. I am not even making a dent in them, and I have been graduated/fully employed for 2 years. The issue first started with Sallie Mae when they had me on a {$550.00} a month payment with a 5 year term to repay, which is absolutely ridiculous. I lived at home after I graduated because I could not afford to rent somewhere. Shortly after arguing with them about how I couldn't afford their payment, I refinanced with Navient through a website called XXXX. Only to later find out that Navient is a break-off company of Sallie Mae. While my payments are lower with Navient, they are slowly going up to a payment I will not be able to afford due to me relocating to a new city for work, and now having a new expense of {$900.00} a month for rent. I can't even afford to go get a new car because my disposable income is almost non-existent from all of my student loans I am paying on. I am truly drowning in debt, and have no way to start a life on my own. I blame part of this issue on the school as well. They never informed us the difference between federal and private loans. They basically wanted us to get the money we owed each semester in the quickest way possible and sign on the dotted line. There was ZERO educational information on what we would be getting ourselves into in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I opened an account with Chase. The website generated a form with the routing and account number. I entered these numbers into my employer 's online form to set up direct deposit. I never got my paycheck. I called Chase twice and was told the routing number was wrong. The routing number I was given when I opened the account was XXXX. This is a Chase routing number, but the people on the phone said I should have used a different routing number than the one generated on the form. They also said my employer put my name as an asterisk on the direct deposit form. When I called today, they said they would not give me my paycheck because the routing number was wrong.

Company response to consumer: Closed with explanation