vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC

Complaint narrative:
I had a second morgage on my old house with my exhusband. We were divorced and I have a quit deed on the property, as well as my exhusband taking full responsability for the loan on my divorce decree. The issue was it was a secure open line of credit so they still were holding me accountable for the payment. Intially Springleaf told me they were going to take me off the loan. AlI I needed to do was send them all the proper documents, which I did but they never took me off. I disputed the loan several times and it came back that I was responsable. Last year my ex decided he was going to stop paying the loan and now the loan has went into default and I have a negative charge on my credit. I again decided to contact springleaf about the issue and included my SCRA trying to come to a resolution but I never got a response back. I seeked help from a finacial advisor and was told to file a complaint here for help. I am an Active-duty Service Member and was told that my case should be handled by XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
I am making {$100.00} payments to Springleaf Financials lawyer, XXXX XXXX XXXX, XXXX. I was unaware I was being sued when I called to set up the payments last month after getting behind. This month, Springleaf closed my account and I was served papers on Sunday. The original amount financed was {$3100.00}. They are suing me for sum of {$4200.00}, less interest of {$780.00}, less insurance of XXXX + attorney fees of XXXX with a CONTINUING RATE OF INTEREST OF 35.99 % UNTIL PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
My bank is small and only in Michigan. I was out of town for 3 weeks and needed to make a deposit via an app in order to avoid an overdraft fee. First Merit Bank does not allow overdrawn accounts to use any online/app features. So I was unable to make the deposit necessary to avoid the overdraft fees. They also would not close or suspend my account ( because it was overdrawn ) to avoid the overdraft fees. So XXXX {$35.00} overdraft fees were charged for being {$0.00} overdrawn with no means available to me to make a deposit while out of state, or stop further overdraft fees from being added. First Merit asserts that I must pay these fees or have them negatively affect my credit rating. This is the definition of criminal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
I have already filed a comlaint about this but have a new issure with this company. I had a mortgage with First Merit bank. They had a law form send me the only notice i ever recieved dated XX/XX/2015 that i recieved on XX/XX/2015. This notice wa as i stated the only notice i ever got from then. It stated that they were plannnig to hold a forclosure sution on XX/XX/2015 for my house. Even this law firm admits they have no prof thatbo recieved prior notice of this. Well i sold this house for cash before they did anything. This loan was paid in full an closed on XX/XX/2015. The title company as well as the broker that did the closing said they never heard of a bank being able to charge for a fee called uncollected attorney costs when this was sold sn paid before it was forclosed. There is also nothing listed as to where an how much was applyied to this account that was being held untill it was paid. Then the final complaint i have is that on tuesday XX/XX/2015 sbout 15 minutes after i was relashed from a hospital where i under went a XXXX that i was unable to complete. I recieved a phone call from collections at First merrt bank. The guy asked me if i can pay the past due smount an if i plan to keep this home. Thats when i let him have it for reuining my day further after not being able to complate my XXXX. They do not have employees that can do there job an dont know to check things before they call an harrash people. I do feel they over charged me for this uncollected attorney costs that should be there exprense then to have to deal with somebody that does not have intellagence to know that this was paid 8 days before they harrash me. I now deel that First merit bank owes me a public appalogy as well as a refund for these fees assl as interest. They do not care about service they only want money. I have been in contact with a consumer protection attorney an looking into suing them for harrashment as well as XXXX medical bils from the strss they have now caused. Thank very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
First Merit Bank is harassing me now because I previously filed a complaint against it with the CFPB. Earlier this year I closed my account with First Merit Bank. I also filed a complaint with the CFPB because the Bank erroneously and fraudulently kept part of my balance. Because of my complaint, the Bank gave me the monies due me. Now, on a letter dated XX/XX/2015, the Bank writes that my CLOSED account was overdrawn on XX/XX/XXXX. Because the malicious and fraudulent action by the Bank to make my CLOSED account overdrawn LONG AFTER it was closed, it is reasonable to conclude that the Bank is RETALIATING against me. The Bank, by its malicious actions, is now ruining my credit history, which was perfect without any overdrawings while the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: AZ

Complaint narrative:
A representative from American Cordalis called this number XXXX. The person they are seeking collection does not live here. The person they are seeking collection has a common name and may not be the same person who previously lived here. When XXXX of the tenants answered the phone the XXXX time, he assumed it was the person who previously lived here, informed the representative that the person was burned out of their current residence due to a fire and had no number, and requested that they not call the number again. From what the tenant indicated, the representative agreed to stop calling. A XXXX call occurred. The phone calls have also occurred right before XXXX. The tenants feel harassed and have no outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: American Coradius International LLC
State: NJ

Complaint narrative:
I have repeatedly told American Coradis that the loan is not valid and that they should stop calling my job or my home. I have repeatedly asked on the phone for proof of debt and that I signed any documents for the loan. They have not provided such proof. I sent a letter advising them to cease phone calls and provide me with proof. They have not complied, yet they keep calling. Apparently someone I used to know had a student loan that I cosigned for and was approved for numerous forbearances, and then defaulted. I was never notified that there were forbearances and default until years later. I did not approve this. I need them to stop harassing me and provide the proof that I have asked for on so many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I got a new auto loan with American Credit Acceptance XXXX XXXX XXXX XXXX XXXX TX XXXX, just over a year ago. I pay more than my scheduled payment every month with a note to post the overage to principle. I then follow up with a phone call to request this be done. Every month when my new statement comes in the payment has not been posted correctly and they have applied the overage to their interest!! I have to call them a second time to be told that I need to call in to have the overage applied to principle.. WHAT?! I go through this every single month. I am trying to pay it off so that I can rid myself of these idiots, but when they do n't put the extra to principle my pay off does n't go down correctly. I feel like they are double dipping and getting way more than they should! Can someone please help me?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Choice Recovery, Inc.
State: NC

Complaint narrative:
According to my credit report Choice recovery indicates I owe a medical bill from XXXX medical physicians. 
I have never been to this place nor have I ever received a bill from this place or Choice recovery. 
They also have a unknown address on my credit report and they ca n't forward documentation to prove this bill nor can they provide me any documents with my signature. 
I never knew anything of this debt until checking my credit report. I 'm trying to purchase a home and this is the only thing preventing me from doing so. 
I would appreciate your prompt attention.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America
State: OK

Complaint narrative:
The Federal Poverty Guidelines allow emergency providers to waive the full amount or a % of the bill should a financial hardship be determined that would effect ones ability to pay. All emergency hospitals have a form they give out for the financial hardship waiver to determine eligibility but XXXX did not do this even after my request instead they sent me over to a debt collector and they do n't understand what it is that I 'm saying to dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: Solomon and Solomon, P.C.
State: GA

Complaint narrative:
debt was 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 non-monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit reporting agency continues to show inaccurate and/or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc.

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:

1.) XXXX shows a late payment status. As per my XXXX complaint; and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to appear to have fallen behind. I have always paid according to the agreement(s) I've had with XXXX.

2.) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. It is in fact a business account, not personal, and thus, should have never appeared on my personal credit file. 

3.) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report.

4.) Any inquiries, two or more years old, should no longer be showing on the account

Finally, there should be no new accounts, except a car loan via XXXX, showing on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 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: LA

Complaint narrative:
Online identity verification questions ask nonsense questions. Every year when I try to get my free credit report from XXXX, XXXX, and TransUnion, I 'm never able to get all XXXX reports. Every year at least XXXX of the XXXX asks, " In what state was your social security number issued? '' and it offers me multiple choice answers, including my state of residency, the state of Virginia, another state, and " none of the above. '' The entire question is nonsensical, because all any person can possibly know is in which state they applied for the social security number ; they can not possibly know in which state the social security number was eventually issued. This is particularly true in the case of anyone who has immigrated to America and has become a U.S. citizen, whose social security number was applied for from the national government and could have been issued, literally, from almost any state. This question is impossible to answer correctly. By asking this unanswerable question, the credit reporting agency has made it impossible to obtain my XXXX credit report online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
in 2006 my wife had XXXX and the final bill was XXXX dollars which insurance paid XXXX and I paid XXXX, some how a small bill for XXXX was overlooked and sent to XXXX XXXX in XXXX XXXX, SD which I paid right away and XXXX XXXX said they would recall the debt, well it never happened and 10 years later it is still showing as a paid collection account effecting my credit score and interest rates when I am applying for loans, each financial institution mentions it every time and that it effects my score by XXXX points, I have gone to long lengths with XXXX and XXXX to get this removed and they XXXX play the dumb role and say there is nothing they can do, believe me it is driving me crazy, I need this removed from Transunion XXXX, I have never miss a payment and I am proud of it, can you please help me out. I am sick of having these businesses push the consumer around and not correct a simple mistake like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The credit bureau did not perform a proper investigation of the account that is on my file. Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services
State: GA

Complaint narrative:
I noticed the company Clarity Services INC on my XXXX and XXXX reports on several different occasions that I had know knowledge of. Dates XX/XX/2015, XX/XX/2015,XX/XX/2015 all advise XXXX. I called XXXX and they were unaware of and had no record of requesting a credit check for me. Clarity Service INC would not provide valid proof that these inquires were authorized instead they want me to provide them with all my info instead of providing me the requested documentation that gave them authority to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I reported numerous charges/accounts and inquiries to the FTC. 

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, applied bank, XXXX and numberous inquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I had leased a XXXX and my lease was through Ally XXXX. I returned the car at the end of the lease on XX/XX/2016. The inspection was done by Ally on XX/XX/XXXX ( after XXXX weeks ). Then Ally sent me a bill for {$550.00} for damages that did n't exist when I returned the car. I spoke to Ally a couple of times and emailed them but they just keep sending me the bill.

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 2016-10-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Paid {$29.00} for credit reports from XXXX credit bureaus through Transunion 's website. When purchasing these credit reports, they never once made it clear that I was enrolling in a 7 day free subscription in which I would be charged {$19.00} plus tax at the end of. I would have never agreed to these terms had I known. These terms could possibly be in the pages upon pages of terms and conditions but it is definitely not evident or displayed where they want you to see it and is very fraudulent for a reputable company like Transunion to participate in. Many others have complained of this on the internet. I think action should be taken and they should be held responsible for offering refunds to those scammed into this 7 day " free '' trial!

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 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion had a computer error in their system that violated the rights of their consumers under FCRA section XXXX. The computer error caused credit inquires to be deleted from my credit report and then after they realized the problem, they inserted all the inquires back onto my credit report without prior written notification. I have spoken to TransUnion however they are denying it and refuse to remove the re-inserted inquires on my credit report. I demand that all these inquires be removed from my credit report immediately as there was no written notice given.

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 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I see in my report that an address that I have never lived and that the company XXXX has me in collections. I have never opened an account with them I have called the company and they have forwarded me to a collection agency. I keep on telling them that they charging the wronge person but they have not done anything. The address that shows up in my report as XXXX Ny. I have no clue of that address because I have never lived there nor have any clue of that place.

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 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX must be removed from my report.I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started texting landlines. Texts did not go thru on landlines. XXXX XXXX charged me {$290.00} for texting landlines which could not would not go thru.

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