vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
ive had a loan with this company since atleast XX/XX/2013, i have always been a good customer, i am now in a financial bind and i am running a month behind on my payments. they are threatening me, calling my work after i have asked them what can i do to bring my account current or how can yall help me. they never say anything nor try to help. i have never had an issue making my payments before until now and they will not do anything. the manager XXXX is rude and i have asked her not to call my place of employment and my references have also asked and she continuously calls. sometimes they will call 3 times in a row within a 2 minute time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
XXXX bank was taken over by XXXX XXXX bank. At the time they told me nothing would change for me, the 2 accounts would be joined. So I could continue payment on my XXXX thinking even paid up, the payments applied to my XXXX XXXX card. Well about a week ago I realized that those payments to XXXX bank which was an affiliate of XXXX were never applied to my XXXX XXXX card. That card ending in account # XXXX with XXXX bank XXXX has been receiving payments since XX/XX/2017 for {$50.00} /Month. I have proof of that trough my 2+ years of bank statements. I have contacted both XXXX and XXXX XXXX, neither was willing to help me in this matter since they could not find my account number. All this was paid through my bill pay with XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: MO

Complaint narrative:
Sun Loan company in XXXX MO has violated my right to privacy of debt on multiple occasions. The first time an employee named XXXX XXXX informed my employees & other people who are known by me that I had a loan through them. I notified the company immediately & they stated what she did was a violation of my rights to confidentiality mid XXXX. Now the current employees have notified my direct subordinates again XX/XX/XXXX, contacting references asking them about my bankruptcy information most recently XX/XX/XXXX @ XXXX, asking what do we have going on ( even though I am the only person on the loan ) and stating that they can help me with the debt. My references were not authorized by their contract to know information about my loan/debt. I have had 5 references contact me and quote the same statements made by employees at XXXX XXXX. This is a violation of my right to confidentiality.

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 2019-04-24 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: WLCC
State: OK

Complaint narrative:
Continues to call my employer when my supervisor has instructed them not to call because it is a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted both Experian, and XXXX  by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both Experian and XXXX and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX Card Services XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXXXXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as Experian and XXXX have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.

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 2019-04-24 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: IL

Complaint narrative:
Experian is reporting late payments from XXXX and XXXX XXXX on my account when its inaccurate. I requested it be investigated and corrected numerous times and they continue to report the inaccurate information.

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 2019-04-24 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: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer-reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
ALL of The following inquiries listed below are unauthorized and need to be DELETED ASAP : XXXX XXXX XXXX XXXX , XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX/XXXX & Inquiry on : XX/XX/XXXX. 
XXXX XXXX/XXXX & Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX/XXXX Inquiry on XX/XX/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 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
this complaint is to be added the complaint number already in file XXXX I just called to see if any resolution and they are now asking me for {$7400.00} the loan was paid in XX/XX/XXXX ( 6 months ago ) they were to credit our impound account for the XX/XX/XXXX payment and they did not do that. so pay off was short like XXXX they keep trying to charge me XXXX per diem on XXXX dollars and late charges excess of the amount owed. they are crazy in XX/XX/XXXX they made some modifications to the pay off down to XXXX less impound account which should have been at XXXX at the time leaving a balance of XXXX but they didn't do that the pay off was good until XX/XX/XXXX see attached by on XX/XX/XXXX we received certified letter demanding 5000+ or minus see attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
- In XX/XX/2019 I spent over an hour on the phone with representatives from Portfolio Recovery Services where upon we agreed upon a settlement amount for an Account they purchased from XXXX XXXX. ( I would like to have a copy of our recorded Conversation submitted into the evidence of this complaint. ) -The Amount agreed upon was {$700.00}. I paid the same day during the same phone call. Bank Records showing the payment was made is Attached. 

-Since I was in the process of buying a house I needed proof that this debt was settled for my underwriter. On XX/XX/2019 I was issued a letter from XXXX XXXX Portfolio Recovery Services stating the terms of the settlement including the words " within approximately 30 days of the final payment successfully posting, our company will request the three major credit reporting agencies delete our companys tradeline related to your account from your credit '' A copy of this letter is attached. The Payment was posted the day of the initial conversation. 

- Since the payment has taken place, I have constantly been harassed via phone and by mail demanding I pay the remaining balance on the account that was settled in XXXX. I contacted the Credit Reporting Agencies to remove this settled debt from my Report and I was sent another letter ( which I attached a picture of ) one of the letters that his been sent showing they " verified '' the debt. They are actively pursuing a settled debt. 

-I have spoken to two managers and several associates of Portfolio Recovery and they each claim they are going to stop the calls. The account is still reporting on my credit report and negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is reporting late payments from XXXX and XXXX XXXX on my account when its inaccurate. I requested it be investigated and corrected numerous times and they continue to report the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
My lease was up XX/XX/XXXX, paid rent & additional charges to include sewage, water & garbage. I was told that everything on the account was paid in full & no special instructions were given to move out. I was told to clean & leave the apartment as it given to me. I was charged for a tv XXXX satellite not being removed, which was not explained to me as a requirement to do before I moved. Also, the blinds I was charged for were chipped when I moved into the apartment 4 years ago. The damages that were stated are normal wear & tear and also petty complaints. XX/XX/XXXX I receive a collection notice from national credit systems that XXXX XXXX XXXX XXXX XXXXXXXX XXXX states I owe a bill. My security deposit was already taken due to the complex stating somethings were damaged & not clean ( after I moved to another state ) No one did a walk thru with me to notate things proposed issues. After taking the security deposit now I have a bill from a credit agency saying I still owe for outstanding balance on my account, which is not true. Also there was no notification of debt to the forwarding address, which is out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CarMax, Inc.
State: GA

Complaint narrative:
I have contacted both XXXX, and XXXX by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both XXXX and XXXX and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXX XXXX  ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as XXXX  and XXXX have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: GA

Complaint narrative:
I have contacted both XXXX, and Equifax by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both XXXX and Equifax and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX   XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as XXXX  and Equifax have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: KY

Complaint narrative:
In XXXX I submitted several disputes regarding unauthorized credit inquiries on my TransUnion credit report. I was never notified of the status of the disputes, nor did anything become of it. At one point during the process, I was informed the inquiries used my name and information, but had the incorrect social security number. 

When I checked again today ( XX/XX/XXXX ), the credit inquiries are still on my report. 

I called XXXX, the company the unauthorized inquiries are through, and they are unable to find any applications in their system. 

I also submitted the same disputes to XXXX, and the unauthorized inquiries were removed from my credit report.

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 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
On XX/XX/2019 Convergent Outsourcing Inc. mailed me a letter claiming that I owe XXXX XXXX or XXXX {$43.00} and that this creditor has placed my account with their office for collection, and that I can pay by mail, phone, or internet. It is stated that I have 30 days to dispute this and if I do not Convergent will obtain verification of my debt or obtain a copy of the judgement against me. 
I have been in touch with XXXX through email on XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX ), and talked with a XXXX Security Customer Service Representative on XX/XX/XXXX ( XXXX XXXX ) with concern about the security of my account, to verify I do not owe money, and that Convergent Outsourcing Inc., is falsely claiming I have outstanding debt and trying to collect money on their behalf. 
XX/XX/XXXX ( XXXX ) I have mailed a dispute letter to Convergent Outsourcing Inc. stating them of their false claim, that I was keeping the original collections letter, and reporting them to XXXX , Minnesota Department of Commerce , Federal Trades Commission , XXXX XXXX XXXX , Consumer Financial Protection Bureau , that I know my rights under the Fair Debt Collection Practices Act, and to not contact me about this debt again. Convergent Outsourcing Inc. has my name and address and hopefully nothing more than that.

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 2019-04-24 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: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.SXXXX Code 1681b In general. Subject to subsection ( e ), any consumer-reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
ALL of The following inquiries listed below are unauthorized and need to be DELETED ASAP : XXXX XXXX XXXX XXXX , XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX  XXXX, XXXX XXXX Inquiry on : XX/XX/XXXX. 
XXXX XXXX & Inquiry on : XX/XX/XXXX. 
XXXX XXXX & Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : Apr XXXX, XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on : XX/XX/XXXX. 
XXXX Inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I ORIGINALLY DISPUTED THIS ITEM WITH XXXX  XX/XX/XXXX FOR NAVY FEDERAL CREDIT UNION IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. XXXX  DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR XXXX TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN  DELETED AND BLOCKED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My phone number has been receiving an average of 6 calls every day, sometimes more, from Synchrony Bank ( XXXX ), on behalf of T. J. Maxx, for a few weeks. I do not have an account with TJ Maxx. Apparently, my phone number is associated with someone's delinquent account. I contacted them directly and have now spoken with 5 separate people. One of their representatives said he would not remove my phone number from the person 's account because he couldn't update someone's contact information without her permission. He admitted he had no other way of contacting the person, and said he understood continuing to call my phone would not resolve any account issues, so his refusal to delete my information is nonsense. Every other person promised that they applied a fix that would immediately ensure I would not receive any further calls ; however, I have since received 5 more calls. I do not know the person whose account they're harassing me about and their continuing to call me will yield them no benefit. It is only frustrating and disruptive to my day.

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