vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I heard about the CFPB 's lawsuit against TransUnion & XXXX re : misleading consumers into signing up for their credit monitoring service and wanted to add my complaint. I do n't need a refund, as I do n't believe I was charged more than {$1.00}, but I wanted to share my story. Last year I inadvertently signed up for TransUnion 's credit monitoring service, thinking I was only requesting my free annual credit report. It was not made clear that I was signing up for a subscription service that would cost a monthly fee. The site did say that I would be charged {$1.00}, which I thought strange since I thought consumers were entitled to a free report every year. But, since I was n't sure, I went ahead and authorized the {$1.00} payment, thinking it was for my credit report. Turns out it was their promo fee for the monthly subscription. It took a while for me to figure this out, but once I realized the mistake I was able to cancel my subscription before they began charging me. Thankfully, I only lost {$1.00}.

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 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with you all back on XX/XX/2016, stating that the following accounts were not mine and incorrect. At the conclusion of the investigation, you all claimed to have received documented proof that these accounts belonged to me. When I indicated that they were not, you all instructed me to reach out directly to the creditor to get validation of debt and that I would need to provide that to you all to have it delete from my credit report. I spent an entire week contacting all these creditors to get validation of debts and correct information. I provided all this information over to you all as YOU all requested ; however, you all are still refusing to delete this inaccurate information. You all lied about verifying it as the creditor gave me something be documentation supporting the claim that these accounts were not mine, etc. 

You all are in direct violation of my rights under the FCRA, as you all are refusing to delete this negative and damaging information from my credit report. FCRA states that incorrect and inaccurate information can not be furnished on credit reports. You all are creating a lot of undress stress and hardship, with your lack of regards to my rights as a consumer. You have repeatedly denied my request to delete this incorrect information. You have completely disregard the documentation I provided at your request. 

Attached are the following letters that I faxed over to your team and a copy of my credit report. I am provided all the necessary proof that these items do not belong to me Its very interesting that you all are the only credit bureau still reporting this incorrect information, all the other bureaus deleted after the 1st round as the creditor did not provide proof. The disputes were all opened at the same time. 

Accounts that are inaccurate, incorrect or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1-Questions are poorly worded. I.e., what does associated with mean if it 's about an old address. Does that mean currently, in the past, or could be listed in my file? 
2-Tell me why i failed your impossible questions so that i can learn from my supposed errors. Can you people remember what you did 10 years ago when the bank name changed five times over the course of the loan? 
3-Do n't use scrambled letters / numbers that can be confused for other letters / numbers. The number XXXX and letter l look similar, as does the letter O and number XXXX. The variegated colored background makes this more difficult than it has to be. *

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 2016-03-20 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: OR

Complaint narrative:
Repeated phones calls from XXXX ( Penn Credit, according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night, early in the morning and on weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I have asked the creditor/collection agency for a itemized statement as they were stating I owe {$500.00} and the owner of the loan is stating {$1500.00}. That is a huge difference. I still have not received the itemized statement for my payments that I have made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 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: CA

Complaint narrative:
Hello, I moved into a student apartment 9 months after the lease and I failed to get an inspection. Seven weeks, we were all kicked out. We were told if we left immediately that it would n't be on our credit record no would we incur any expenses. Just to note they kicked us out after the check for rent was cashed. 
There was a large repair bill and it was split three ways by management. XXXX roommate ( XXXX ) paid her share. We negotiated a reduced fee, and paid my share. The XXXX, never paid her share and they are going after us/me for the remaining balance. 
I have call and spoke to me, harassed me, disagreed with me, I have given them the contact info on the third person and when they ca n't reach her ( she ignore them ) they come back and harass me. The call at my home, my work, I recently sent them a certified letter with proof of payment and they sent back a letter saying they need proof.-Already sent. I have looked up the info on XXXX and they constantly get complaints. After a while they have a different person from their organization take over my " case '' and the harassment starts over. When we paid the debt they refused to give us written confirmation. We did however pay for it with my father 's credit card. The name of the company is NATIONAL CREDIT SYSTEMS of Georgia, the Harasser is XXXX XXXX XXXX, I also sent to the President and the Collection manager XXXX XXXX by registered mail on XXXX/XXXX/XXXX. 
The bill was paid on -in full- for my portion on XXXX/XXXX/XXXX -- whereby we gave XXXX XXXX my dad 's credit card number and paid {$750.00}. 
As I said we recently received another piece of mail from XXXX XXXX XXXX and they said there is n't sufficient evidence to validate my claim. I would think a credit card statement to the to National Credit Systems would be proof enough. In addition, we started keeping records of the calls and documenting them and outlined that in the certified letter. 
How do we stop this? it has been paid, they are continuing to harass me and I feel a XXXX on this matter. It was n't my mess, I should n't have paid anything, They should have cashed my rent check and then kicked me out the next day. But they did and now I am being harassed so much I am sick over this. 
I did all the right things. Make this stop- they are criminal in the tactics and their efforts to get money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT

Complaint narrative:
We obtained a loan thru One Main Financial and paid on the {$5000.00} loan for 2 years with an interest rate of 35.99 %. After 2 years of making payments ( on time ) we went in to the institution with {$4500.00}, hoping to pay it off in full. They would not except the payoff because they said our payoff was more than what we took the loan out for. At that time we did n't realize The interest rate was that high because when we took out the loan everything was signed with an electronic signature and we were unable to see any paperwork or details actually stating the interest rate. We were desperate for the money and feel we were lied to and taken advantage of by One Main Finamcial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: VA

Complaint narrative:
Continued robo-calling for someone else. We do not owe the debt for which they are calling. Number calling is XXXX ; last call was at XXXX XXXX XXXX XXXX which is a Sunday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Fraudulent charges from XXXX was placed an on my Capital One credit card ending # XXXX. I contacted the merchant to get them to remove the charge for a service that I never had access to nor authorized the purchase. They told me over the phone unless I dropped the dispute with my credit card company they could n't reimburse me. The credit card company advised me not to drop the dispute and they would contact the company. 

Capital One contacted me by letter and told me to provide documentation including invoices, receipts, and cancellation. Subsequent to my complaint to XXXX they sent me a cancellation for a service that I never had. I provided that document, the only document that I had which was transmitted by email. 

XXXX " XXXX '' XXXX is a third party billing agency for the XXXX security software which charged my card. Capital One continues to tell me that they ca n't help me with the dispute because I ca n't prove the charge is fraudulent. I have written and submitted two letters which explains all this yet they continue to refuse to investigate my complaint. 

I want Capital One to resolve this fraudulent chard through their own investigation instead of make me do their work for them by insisting the I provide they with documents and information that I do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Lender has repeatedly missed its own deadlines to review my application to release cosigner. Pursuant to the terms of this private student loan ( bar loan ), loan is subject to co-signer release after 48 months of consecutive monthly payments. I have made these payments. On XX/XX/2017, I submitted a request for cosigner release and was informed that my request would be processed within 10 days. After these 10 days, rather than a substantive response to my request, I was provided with a blank application to fill out, which I did, notwithstanding the fact that it should not have taken 10 days simply to provide me with a blank application. Now, more than 10 business days have passed since I submitted the complete, signed application, and the lender has not responded to my application, even though they stated that all requests would be reviewed within 10 business days. PNC 's intransigence should not be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Global Payments Check Services, Inc.
State: TX

Complaint narrative:
Debt was not verified. There is no a contract with my signature. This is also a possible duplicate account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I currently have a personal loan with One Main .When I opened the loan it was Springs Leaf. I borrowed {$5000.00} and I have never missed a payment in a over a year. The One Main office sent me an offer to borrow {$4000.00}. I called to make an application. My income debt ratio did allow me to make the loan. I needed to make at show {$700.00}. more on my income. I called back to ask if I can apply with a cosigner. I was told they needed to live in the same household. So I called another OneMain branch and told them what I want to reapply with a cosigner and asked if the cosigner needed to live in the same household. I was told it was not necessarily. I was lied to by the loan office I tried to open my loan. I have account there now. This office is denied my loan based on a lie. Because it is not necessary for the cosigner to live in the same home coordinating to the second OneMain Branch I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: TX

Complaint narrative:
XXXX Another XXXX I lived in an apartment complex as a minor with a lease expiration near my XXXX birthday. I moved out and got my own place but my family remained in the unit. 

It was tax credit and under my uncle 's name so the kids could go finish and not change schools. Initially my mom applied and they told her her income was over the limit. She didnt even complete the application nor sign but they kept her application on file for 4 yrs with her social security number. 

When my uncle passed, my mom tried to finish off the lease payments but the new property management changes yearly and they said we had to move out because her income grossed too high. 

They went to court and the judge ordered the apts to return my mom 's rent money she had been paying since we were n't able to stay. They were trying to kick us out and keep month 's of rent at $ XXXX. 

Out of spite they ran bogus charges like {$100.00} to change a {$10.00} lock for example and many more until it added up to $ XXXX. They posted it to both my credit and mom 's credit history. 

I tried the credit bureaus to dispute and it 's been over 2 yrs and its still there. We got no 30-day dispute notification or anything. We found out by another apartment lease application. 

I called the original apt office who posted collections and got a new manager and she agreed to have it removed and send a letter to the new apts office but the leasing agent from before was still there and realized i was connected to that experience she had in court and squashed the resolution letter because of personal emotion that the judge sided with my mom in court. 

She was mad she had to return all the money and being a stickler for everything she could grab claws to and hadnt even verified the debt like requested but the credit bureau did not follow up like they were supposed to and kept extending them long grace periods for response which the creditor abused the system. 

When the lease ended I never signed anything to stay there. I had my own place. 

So here it is XXXX3 yrs later and i still have dispute under collections for my credit report. We spoke with other neighbors from the apt XXXX and they had similar experiences with XXXX kicking them out frivolously and posting to their credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Advantage Collection Professionals, Inc.
State: GA

Complaint narrative:
Debt collectors have repeated called myself, my fiance and my grandmother looking for a family member whos address and phone number they have for a debt that is not mine or ours. when asking what the issue is in regards to or where they are calling from they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
I sent a letter to ONE MAIN FINANCIAL regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from ONE MAIN ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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:
National Credit Systems is unlawfully reporting an account on all XXXX of my credit reports that does not belong to me.In contacting this debt collecting agency to request debt validation for the account ( XXXX apartments ) I was told that the wrong information was uploaded to this account, that supposedly belongs to me, ( that there was information there under this account with my personal information on it, but that the documentation that they have to support it is incorrect and belongs to someone else ) and that they did not have any type of original contract etc to provide at the moment. I was also told by the representative XXXX XXXX XXXX that she would request this information from the said original creditor and to wait a weeks time. I also spoke with XXXX 's supervisor XXXX XXXX XXXX XXXX who also advised me of the same thing, that he would request this information and to wait a weeks time. It is now concluding week XXXX and I have yet to receive and type of documentation. After first waiting for a response, I decided to contact the original creditor ( XXXX apartments ) and spoke with the manager directly who informed me that there was no knowledge of an account under my name. She also stated that if there were, the agency should have it, which again, both the representative and her supervisor stated that they did not but that they were requesting. I then contacted the agency again and was informed by XXXX that there were XXXX request over the past few weeks made by both herself as well as her supervisor, but nothing was ever received. XXXX then stated that she did not know what was going on and that she could only inform me of what she was seeing which was that someone else 's information had been scanned to an account that supposedly belongs to me and that XXXX requests were made to obtain this information but that nothing was ever received. I was then transferred to her supervisor ( XXXX XXXX XXXX who stated that they would no longer take anymore phone calls from me and that I needed to have an attorney contact them, which I find odd since they are reporting me in an attempt to collect a debt which again does not belong to me. XXXX XXXX then disconnected the call while I was still attempting to inform him that this creditor stated that there was no documentation of any kind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a resident of the state of Texas and sent National Credit Systems a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on XXXX/XXXX/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 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: Genesis Credit Management, LLC
State: WA

Complaint narrative:
The collections account was opened XX/XX/XXXX and. Did not receive any contact from this company until I contacted them on XX/XX/XXXX. Upon my request for them to provide me with documentation proving this debt was valid, I received documents that lacked the specific documents as required under XXXX XXXX XXXX which hold that when the company collected a security deposit from me it was required to conduct an inspection and create a move in checklist to be signed by all parties and furnished to all tenants which they failed to do. Also the rental agreement is not valid under Washington state law being that the agreement has clearly been altered without the consent of all parties which was required to reflected by all parties adding their initials to show we acknowledged the information being added and agreed to it as part of the rental agreement. Genesis credit management did not properly investigate the validity of this debt. This account has already been investigated and removed my Transunion report as of XX/XX/XXXX but Genesis credit management has not reported this information as required to all CRA they reported they have reported to.

Company response to consumer: Closed with explanation