vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I received a letter from  OneMain Financial stating that I owe them {$3800.00}. I never sign any paperwork for a loan with OneMain Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: NJ

Complaint narrative:
I filed a dispute with Experian on XX/XX/XXXXregarding several inaccurate items on my credit report. One was a judgment entered in XXXX XXXX, NJ which was paid in full. They obviously did not investigate this item and left it unchanged on my report. Same with a car loan with XXXX. I have a payment plan in place with XXXX and I make monthly payments each month on time. Experian is still reporting it as written off and still showing the original balance. Three other small credit cards also were paid in full in XXXX, XXXX and XXXX of this year. I disputed all 4 as they have a XXXX balance, Experian is still showing the balances as written off. A collection account with XXXX resulted from a dispute with XXXX XXXX in XX/XX/XXXX over a termination fee when I switched carriers. This account is too old, should be deleted and has been from my other reports. Experian did nothing to update my report at all during its dispute investigation. I tried to refile my disputes and upload documents and their website is completely ineffective. It gives error after error despite the fact that my documents meet their size and file type criteria. It also would not allow me to restate my disputes for the accounts still showing inaccurate information, therefore, it is purposely reporting incorrect information damaging my credit.

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 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On 2010 XXXX XXXX my Bankruptcy was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed on delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave XXXX XXXX XXXX a XXXX and I have A XXXX. XXXX XXXX is very deceiving company XXXX. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay Back worthyness.please review XXXX and Equifax too thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On    2010   XXXX   XXXX  my Bankruptcy   was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed o  n delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  XXXX   XXXX  is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay  Back worthyness.please review Experian  and  XXXX  too thanks again

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 2017-06-07 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: LA

Complaint narrative:
I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Equifax regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with  XXXX  agent id #  XXXX . I advised her that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Equifax is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
After solving this problem several times now it is occurring again. On  XXXX / XXXX / 2017  I made a purchase that left a {$2.00} balance. On  XXXX / XXXX /   2017  I deposited {$80.00} then {$220.00} from  XXXX . However in stead of depositing monies to my account I was charged late fees of {$37.00} twice, with my {$80.00} never being credited to my account as of today b y Huntington bank. Also just on my account there is n't any direct email or chat room access when everyone  else has those access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My daughter and I jointly signed a lease for a  XXXX   XXXX   XXXX  fro m Ally Financial.   <P/> At the end of the lease there was a charge for excess wear. While I did not dispute some damage, I felt the charge for repair was excessive. I had ab  out three calls with Ally to discuss this.
<P/>  On  XXXX / XXXX / 17  I spoke with Ally regarding the dispute. I said I would be willing to settle for half of the {$290.00} charge or {$140.00}. The representative agreed and requested an immediate payment of that amount. I agreed and gave them bank account information to debit my account which they did. I consider the matter closed.  <P/> I then received a letter from Ally dated  XXXX / XXXX /17 ( pag e 2 of atta ched ) requested payment of a balance of {$150.0 0} ( original amount of {$290.00} less a {$7.00} processing fee and {$140.00} applied to the claim ). Ally had applied what I agreed to as a settlemnent in full as a half payment. That is not what I agreed to.   <P/> When I called them to discuss, they claimed they do not settle for less than full payment and denied their representative would agree to such.  <P/> I have decided to pay the balance to protect my credit but beleive their collection activity was clearly fraudulent.

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 2017-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX I noticed a fraudulent debit pending in my checking account. I reported the transaction to Wells Fargo 's Fraud Department. It appeared that someone had paid a bill online using my checking account information. Wells Fargo advised me that it could have been the result of transposed numbers and that they would reverse the debit. On Tuesday,XX/XX/XXXX, additional fraudulent debits hit the account, similar to the first one. Wells Fargo closed the account and did what they called a " lost/stolen transfer ''. I was told that they would not allow any new fraudulent electronic debits to post and received an email with a list of previous electronic debits that were not fraudulent that they said they would allow to post. I began to use the new bank account, but on Friday, XX/XX/XXXX, received an email that my new account was overdrawn. I immediately called Wells Fargo and was told that they had allowed at least one more fraudulent debit to post. I was told by the Wells Fargo agent  that they should not have done a lost/stolen transfer, but closed out the account altogether. On Saturday, XXXX XXXX, Wells Fargo opened a third account for me. I was also advised that they had paid two more fraudulent debits. The second account remains in negative status, is assessing overdraft fees and only the first fraudulent debit was reversed. I was told on Monday, XX/XX/XXXXthat it would take 7-10 business days for Wells Fargo to process the fraud claim and refund the money to my account. However, the remaining fraudulent debits occurred as a  result of the fact that Wells Fargo allowed the transactions to post after they were notified about the fraud and had advised me verbally and in writing that they would be rejected. I 've spent over eight hours of billable time trying to resolve these issues and, as such, it has affected my business and my clients.

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Back in  XXXX  of  2016  I was a victim of  XXXX   XXXX  and suffered power outage for a week as well as property damage that caused a financial hardship. I contacted Navy Federal Credit Union for assistance and was provided " assistance " with payment forgiveness, which I later found out was not handled correctly in accordance to their disaster relief polices and subsequently was further impacted due to the mishandling/misinformation provided and ultimately lead to my credit report being impacted. Since then I have called numerous times as well as submitted hardship documentation through their online website in an attempt to reconcile the accounts in question and prevent them from continuing to fall past due. The Specialis ts at Navy Federal have provided me misleading information as well as have not followed up with me as promised on multiple occasions. I  have asked to be contacted by what they call their " personal finance management " team and promised a call back on several occasions and have to this date not received any follow ups yet I get collection calls daily. Please look into this matter, I can be contacted at  XXXX  and my name is  XXXX    XXXX

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: P&L Acquisitions LLC
State: TX

Complaint narrative:
This account is very old and past statue of limitations. It was opened in  XXXX / XXXX / XXXX  and closed in  XXXX / XXXX / XXXX . I am being harassed about this debt stating they are going to put a judgement on me and also wage garnishments.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
This involves a company called "  XXXX  '' concerning the lease of a bed mattress. I paid on this account for months, contacted  XXXX  on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: LA

Complaint narrative:
I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017 until now are NOT mine and need them removed from all credit reports 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 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
My mortgage got switched over to Caliber home loans Inc. Mortgage Services as per XXXX 2016. I 've had nothing but problems with them. I have owned my house for 14 years and have had nothing but problems before and after they acquired my mortgage account.I have called them had spoken to costumer service they stated they do what they want not what I want and at the end of my inquire they ask me if there is anything else they can help me with, leaving me speechless. They do record the conversations and I do recall my conversations with them. Not applying funds on time, not complying with my request of payment history, annual report and all the activities recorded included late fees, attorneys fees applied to my account. Caliber Home Loan Inc. Mortgage Servicing refused to answer my question pertaining to my account. Caliber have refused to answer to my correspondence with inquiry pertaining with a double dipping payment caliber home loan is getting paid twice for the same negative escrow balance, not applying funds, submitting false allegation of missing regular monthly mortgage payments to chapter XXXX  trustee for missing payments modification. It 's like they want possession of my home.Problems : Service issuesBilling collecting issuesCostumer Service issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In  XXXX   XXXX  I was diagnosed with    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . IN anticipation of running afoul of my bills I contacted  Navient  and was advised that I had to fill an online application for Income driven hardship. The site was confusing. Nonetheless, in the throes of  XXXX , I provided all the information and waited to be contacted regarding this process. Never heard from them but apparently, they must have done a forbearance or something and I received a letter telling me next payment was due in  XXXX . In meantime I called and discovered that they had denied my hardship as I had not sent in the proper paperwork. NOt true it was all scanned and uploaded. I asked WHY if I sent this months ago has no one contacted me? double talk. So, now the date for whatever this payment arrives ... it is not the income hardship but something else that I have no idea about which I 'm sure extends my interest somehow. I suddenly receive a letter on  XXXX   XXXX ,  XXXX  now telling a different story then I was told over the phone. I call and yes they received all the paperwork but the scan was " unreadable '' please send tax return or proof of income again. So  XXXX  different stories.  <P/> IN meantime, not sure if I should make this payment now days late as it is NOT what I requested and do not want to have this seen as I except what they are doing. Now. I am receiving   XXXX    daily phone calls from " unavailable '' early  XXXX  and late  XXXX .  Imagine  having to run to the phone with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   while recovering from   XXXX   XXXX   Only to get a " recording '' that tells me hold on..finally getting someone to get on phone. They repeat themselves..several times, recorded line, young person with condescension on phone. You hear many people behind them as it sounds like a calling center. then ask for identifying information.. I tell them I do n't know you ... you could be from  XXXX  or some country using a dialer and I am not giving you information about me that you can use to hack my identity.  <P/> " well without this information we ca n't help you. '' I did n't ask for help! You called me and I want it to stop! More condescending tone.  <P/> I have called Navient myself to deal with this alleged lie about my " unreadable tax return '' and it is clear the other call if from them is only about this {$200.00} or so dollars that is NOT the hardship agreement.  <P/> I have asked them to NOT CALL as I have no intention of talking to strangers and providing private information..of course they ignore me and do the harassment anyway.  <P/> What can I do.. I am recovery from    XXXX   XXXX   . I have  XXXX  now sent the required paperwork and they are playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: LA

Complaint narrative:
I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Transunion regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with an Agent. I advised him that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Transunion is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Paid in full Amt due per attached check. Credit report still reflecting balance due and derogatory credit score which I have disputed over and over while they drug out their investigation that my credit union reported they input info wrong electronically causing a bank certified not personal check sent by my bank officer in XX/XX/XXXX to bounce. The amount of the bank certified ck due {$350.00} in XX/XX/XXXXto pay in full account ending XXXX not XXXX as they have on credit report. CIti is very unorganized which is why I closed my acct in XX/XX/XXXX and asked for payoff. I will never use them again. The rest of my credit report is stellar. Giving these crooks this kind of power is absurd and unamerican.

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 2017-06-07 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: LA

Complaint narrative:
I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017  until now are NOT mine and need them removed from all credit reports Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a bed and box spring from Sleepy 's located on XXXX XXXX XXXX XXXX, NJ. The total costs was {$910.00} As in incentive to consummate the purchase, I was informed by the sales person attending to my need, that Sleepy 's was offering an interest free loan. I accepted the offer, and the invoice of the purchased items that included a tentative delivery date. There was n't any representation of an expiry date of the interest free loan, nor any interest rate terms and conditions. <P/>I made scheduled monthly payments, as directed, through the web site of Synchrony Bank from XX/XX/XXXXthru XX/XX/XXXX I was under the impression that my scheduled payments were credited to my balance ; however I was notified by Synchrony onXX/XX/XXXX, that my balance was {$870.00} as a result of APR of 29.99 % plus late fees. When I confronted Synchrony via phone calls, I was informed that if I download the monthly statements in PDF form, it will disclose the terms and conditions of my loan. I requested a copy of the original invoice and/or any agreement signed by me at the time of purchase, and was told to contact the Sleepy 's store. When I contacted the Sleepy 's store of purchase, they directed me to the manufacturer located I believe in XXXX XXXX Texas. That proved futile. <P/>My last course of action was sending Synchrony Bank certified mail containing a letter that detailed all of the above. That was sent on XXXX XXXX, XXXX. Until now, I only received a monthly statement with a request for {$930.00}.

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 monetary relief