vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
I bought a motorcycle approximately inXX/XX/XXXX. The interest rate is 27 %. The loan is secured with the motorcycle, a XXXX XXXX XXXX XXXX and a vehicle I already owned, a XXXX XXXX. The company, Springleaf Financial has changed their name to One Main Financial. In XXXX I had a very bad XXXX   incident and had a severe deterioration in my health, such that I could no longer safely operate the motorcycle. Subsequent to that my medical bills started to drastically accumulate and it became a matter of who do I pay? I stopped paying on the loan inXX/XX/XXXX, and asked the company to settle the loan. They demanded I supply them with comprehensive information about my income and creditors, and shortly thereafter a rejection ( titled Settle Meant, which made me question their competence ). As part of my offer I offered to turn over both vehicles as they were the security for the original loan. They flatly refused. 
I've been getting shifting stories from the company. Last week they told me the loan was for {$10000.00} and I still owed {$5000.00}. When I asked the lady how much total money I'd sent them she said {$5000.00}. I said you must mean principle, I'm asking how much total money including interest have I paid? She repeated {$5000.00}. That's not credible. At the time I offered a {$4000.00} settlement ( if I could find it ) and they accepted, but that was before they told me I'd paid {$5000.00} total on a 27 % loan. A rough back of the envelope calculation is $ XXXX/month, for 54 months, is over 13,000. I'm sure I missed payments from time to time and my calculations are rough, but I'm quite sure that the {$5000.00} figure is bogus. Yesterday I called and asked some questions. They told me the loan was started in XX/XX/XXXX, also not credible. I have a picture of myself on the motorcycle fromXX/XX/XXXX. They told me the original amount borrowed was {$7400.00}. 
I'll be interested to know what story they give your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with CBNA and XXXX XXXX? XXXX  XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.

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 2018-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: NE

Complaint narrative:
I had been told that a loan I was delinquent on would be going to collections if I didn't make a payment by XX/XX/XXXX. I could not meet the deadline, and assumed that it was too late. I had expected to hear from a debt collector at some point, never did, but yesterday XX/XX/XXXX it had been pulled from my account bringing it into the negative. 
I had been lied to about it going to collections, and I don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX   XXXX  : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX However, XXXX sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
I disputed two items on my credit report via XXXX. The items listed by this company were removed. They have been unable to substantiate the negative item on my credit report. It was removed. Then, my report shows that it was re-reported on XX/XX/2017 AFTER they had already deleted it. NOTE : They do not have my permission to send anything to me via mail nor do they have permission to report my mailing-only address to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Transworld systems XX/XX/XXXX {$50.00} Transworld systems XX/XX/XXXX {$50.00} Transworld systems XX/XX/XXXX {$100.00} Transworld systems XX/XX/XXXX {$180.00} These medical collections showed up on my credit. I had never received a bill from any doctors office. I had insurance anytime I saw a doctor and did not have any copays due at the time of visit. Ive contacted the credit company in the past to try and resolve the issue and ask for paper billing statements but have never had any luck with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a perfect credit history. I had no late payments with my creditors for some several years.  My score ranged for XXXX to XXXX normally.  On XX/XX/XXXX, the XXXX company reported a 90 day late to the credit bureau for the months of XX/XX/XXXX and XX/XX/XXXX.  This infarction caused my credit score to drop to XXXX.  I had been making payments monthly to XXXX. Consistently, the XXXX Reps ensured me that as long as payments were consistently made; I would be in good standings. However, that was not the case. I made my last payment on XX/XX/XXXX. and was held in default for not only XXXX but XXXX as well. I have contacted XXXX by phone to dispute, but was unsuccessful. I have submitted a written Dispute that is pending. My frustration comes because XXXX  incorrectly informed me on my account situation and also was not given the appropriate consideration.I asked that the 90 Day lates be removed from my credit report. Thank you in advance for your cooperation into this matter.

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 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This credit card company changed my address to a Kentucky address send this lady a card on my account in the name of XXXX XXXX she charged bills at a XXXX XXXX XXXX store in XXXX Kentucky $ looks like $ at least {$340.00} reported to the 3credits bureaus that I was over my limit witch I was not they are still telling me to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This company name Ideal Collection Services reported to my XXXX credit repot I owed them $XXXX   Dollars, I had never have any business with them, and they claim I rented a property in XXXX  florida, I have never lived or rented a place in XXXX florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and  and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I  received a letter from the United States Bankruptcy Court stating  that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. I would like to have the judgement removed  immediately   to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.

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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my Experian and XXXX  Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless Experian, XXXX and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting Experian, XXXX and XXXX to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of Experian report for XXXX account # XXXXXXXX XXXX  XXXX XXXX  XXXX account referenced in letter - XX/XX/XXXX Copy of Experian report for XXXX account # XXXX XXXX XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} -XX/XX/XXXXXX/XX/XXXX Copy of Experian report for XXXX account # XXXX XXXX  XXXX XXXX  XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of Experian report for XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account referenced in letter ; Balance reported {$6800.00}

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 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked. 

Portfolio continues to call using both manual and Robo calls from multiple spoofed phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Due to a clerical error made by Chase, apparently according to a banker over the phone, there is a safe deposit box in my name, but with an address that was never mine ( according to the banker ). Rather than flagging a potential clerical or serious identity theft issue, the incompetent banker refused to correct the situation - perhaps to cover up someone's incompetence or misconduct at Chase. This is a serious issue if my safe deposit box in Texas has an address not ever affiliated with me. I am fearful for my physical safety now, along with identity theft, because of Chase 's misconduct here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Navy federal credit union. In XX/XX/XXXXmy auto loan thru navy federal was total loss. The auto was totaled and I filled and signed out all paperwork to claim as auto complete loss. I even went into a navy federal branch ans signed the title as a complete loss. I financed thru another credit union and nothing came up as a repo and was approved loan. After many years I leased an auto thru a credit union, nothing came as repo. Then in XXXX I am trying to lease another car and repo of the total loss pop up from XX/XX/XXXXand can not get approved for loan. I called navy federal and nobody seemed to care at all and talked to 7 or so people to help me but no help at all. Left 2 voicemails to have issue investigated by navy federal and no call backs at all. I called navy federal the next day and they did not have any info about my calling or anything. Finally talked to someone and they are finally taking a look at the issue. Very unprofessional of a credit union not caring about an error they made. The auto loan was closed in XXXX Of {$2200.00} and some how reopened as a repo and would like this matter taken care of due to navy federal not caring about it. Thanks so much for the help best number to reach me at is XXXX XXXX XXXX or email XXXX. 

Thanks XXXX XXXX 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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX/XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX   : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX : XX/XX/XXXX However, they sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.

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 2018-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I deposited a check on XX/XX/XXXX from a company that I do business with and deposit checks from periodically. I have never had a check returned from this company or any other check returned that I deposited in any of my accounts at this bank, but a one week hold was put on the funds without any notice being givento me until I was told when I walked in to a branch on XX/XX/XXXX. I received the attached letter on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have previously sent letters requesting verification of debt to XXXX XXXX XXXX in XXXX, TN immediately after noticing the new collection on my account. XXXX XXXX XXXX sent me copies of bills with procedures performed with my maiden name, XXXX XXXX, and my birthday, which I have not used since 2010. I also had to give them my address because the address that they had on file was not mine. I made copies of these letters and sent them to Transunion with a letter explaining that the bills did not belong to me. To begin, the bills that were sent did not have my signature, a name that I actively use nor an address that I actively use. Furthermore, I was insured when the bill was incurred. I requested that Transunion send me the documentation that was sent that convinced them to verify the debt. Transunion responded by telling me that they could not and to speak with the company directly, which I have done for almost two years now. XXXX and XXXX  was unable to verify the collection so it was immediately removed. However, Transunion refuses to remove incorrect information from my credit report. I will seek legal action if this issue can not be resolved.

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 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Have ask repeatedly from wells fargo about questions concerning thier payments to my insurance company from my escrow, as well as payments of escrow which doesn't showing deposits. I had to float a loan to make up the discrepinses allotted by them. I think they have messed up my acct. Now they are saying I have to pay more escrow? help please!!

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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to the credit reporting agency to dispute the following account: XX/XX/XXXX or XX/XX/XXXX. This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor cannot verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on 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