vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I am writing to file a complaint against OneMain Financial and its subsidiary, XXXX XXXX XXXX XXXX. When I obtained a loan from OneMain, I also purchased their XXXX insurance. Up until my second XXXX XXXX, my loan was paid ahead. The trouble started when I filed a claim on the XXXX insurance. What would seem like an easy straight forward matter, has turned into unending paperwork. My initial claim included the attached documents from the Social Security Administration as well as my XXXX. Both of these documents indicate that I am XXXX XXXX. 

XXXX XXXX has been very slow in paying on my insurance claim due to their continual request for documentation and their confusion with how the paper work was documented as well as lost faxes from my Drs office. ( the Drs office had confirmation from the receiving fax machine that the fax in fact went through ). Because XXXX XXXX and or One Main has dragged their feet and requested the same information so many times, the payments to the account have become past due for the past several months, even though I have given them the information they have requested in a timely manner. All of this has severely effected my credit report in a negative way, dropping my credit score dramatically. 

I was under the assumption that once the paperwork from my XXXX and myself was finally submitted to their satisfaction, XXXX XXXX would either completely pay the loan in whole or make regular monthly payments to satisfy the loan. 

XXXX XXXX now wants myself and my XXXX to completely resubmit the paperwork on a monthly basis in order to continue the claim. The information on the form these companies want filled out has not changed and will not ever change. 

My complaint and question is, Why? The Social Security Administration says I am XXXX XXXX. My XXXX on the XXXX XXXX form says I am XXXX XXXX. I also have a Parking Tag from the DMV indicating I am XXXX XXXX. I am never returning to work. Yes, I see my XXXX for scheduled appointments, but why do I need to waste the Dr and staffs time filling out the same paperwork. 

One of the reasons for my XXXX XXXX XXXX was Stress. I consider this redundant paperwork undue and is causing me unneeded stress. I do not want to have another XXXX XXXX because of all this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: PA

Complaint narrative:
I have received multiple calls from multiple numbers. I have not received anything in writing about the debt to date. They call 6-7 times per day and DO NOT answer the phone. One guy burped in my ear, another was talking to his colleagues and hung up. Most of the calls they hang up. I've had to resort to blocking multiple numbers as no one answers. I believe its Tek Collect? 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Credit Plus Inc
State: WA

Complaint narrative:
Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/2016, these were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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 — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CRESCENT MORTGAGE COMPANY
State: CO

Complaint narrative:
XXXX XXXX XXXX was acknowledged an escrow surplus of over {$3800.00}, but has refused to return it even after numerous calls, emails, and other written requests. Each time they assure we they will cut a check and it will be there in 7-10 business days, but the check never comes and my escrow account still shows the surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/XXXX and left a voice mail and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The credit card issuer invited me number of times to apply for a credit card.and every Time i apply i get denied.my credit score is good and i do get accepted through other Credit cards that do approve my application with out no problem.i would like to have them Investigated to be certain that there is no discrimination issues involving my efforts Applying for this type of credit card.so that it will be no complaints in the future.Thank you sincerely.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 non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Keep getting repeated from this caller and has been this way since XX/XX/2018. I don't have any debts and I pay all my bills. So, either their trying to place a debt from maybe a family member on me, also known as 'skip tracing '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Hello, I am seeking resolutions to handling FCRA violations done against me by debt collection agency, NCB Management Services, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans ( specifically, a home loan I am trying to obtain currently ). 

1. NCB Management Services is falsely reporting information to all 3 major credit reporting agencies, XXXX, XXXX, and XXXX that I owe them a debt in the amount of {$11000.00}. Violations include but are not limited to falsely reporting a debt as new or re-aged by altering dates such as changing the " Date Opened '' on my credit file to make the account appear newer than it is ( which has also resulted in my XXXX score taking a major plunge recently because it is reporting as a new debt ). Also, they are falsely reporting as a factoring company when they are actually a debt collection company. This is a violation to FCRA. And also listing themselves as the " Original Lender '', another violation to FCRA. I have documentation showing that this debt collection agency was removed back in XX/XX/2017 to only learn they are still reporting to all 3 major credit reporting agencies. I am still baffled how! Please help me in what seems to be a never ending uphill battle with this debt collection agency who is practicing illegal debt collection activities. 

Kindest Regards, Frustrated Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am attaching a description of what happened in a nutshell it an attachment, as the actual time dealing with this and dragging paperwork out over and over has made it difficult to locate all of my notes etc dealing with this. They refused to take care of fraudulent charges on my account while using the excuse that they did not get information from me. I can not provide what I do not know about a company that has put charges on my card in which I did not authorize. They repeatedly made calls including " robo '' call day and night from XXXX aboutXXXX on my cell phone. They refused to stop up request. After acknowledging fraud they still did not deal with the situations and they continued to try to collect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have tried every year since for the last five years to get my loan forgiveness for teaching and they never follow through with what they say will happen. The interest is growing rapidly. I feel as though I spend countless hours preparing my paperwork every year in hopes this year is will happen and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My home is in the disaster area and I was affected by the recent fires in CA. As a result of the disaster and evacuations, my income was affected, which directly affected my plan to reinstate my mortgage. Today I contacted Seterus & applied for a Disaster Forbearance, as well as requested a new reinstatement amount. I accepted the Disaster Forbearance after the representative reviewed it with me. The request was approved by a supervisor. I am waiting to hear back from Seterus regarding the further details of the forbearance and reinstatement amount. Since, there was recently a sale date set within the next 10 days, I would like to be sure that Seterus and the Foreclosure attorney is aware of my Forbearance request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested validation/verification of debt in the amount of XXXX and XXXX that XXXX XXXX is saying I owe. These debts are not my debts. I have requested proof of these debts to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the 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 2018-04-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the 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 2018-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
I have disputed XXXX  XXXX XXXX on several times with all three credit bureaus. The last dispute was on XX/XX/XXXX. The above collector States that the alleged accounts are accurate, but haven't sent any documentation to show that the accounts are valid. The Collector XXXX have no right to subrogate themselves in to a contract whether it's by purchase, assignment, transfer, or trade. XXXX is a third-party debit collector I didn't sign any contract with the above collector. I'm asking for the Collector to remove/ delete all alleged collection accounts from all 3 credit bureaus. They are in clear violation of Level 3 HIPAA subtitle D ARR be section of 13407 ( 1 ). No Permissible Business Purpose. The Collector has no right to collect anything from the alleged debtors without my consent / signed contract. The accounts that I'm requesting to be removed from all 3 credit bureaus are the alleged Account # XXXX with a balance of {$1100.00} & the alleged account # XXXX with a balance of {$35.00}. I'm asking for both collections be removed/ deleted from my credit report. I have no knowledge of either accounts. XXXX keep saying Accurate but haven't proven or sent any documentation with any information or a signed contract giving XXXX consent of permission to to have anything pertaining to my medical records on the alleged collection accounts. I don't have a valid contact with XXXX. It's against for any person Medical documents to be shared by without consent or a signed contract. Especially with a Third-party debt collector. If XXXX doesn't remove all accounts immediately I will be filing a formal complaint to the DHHS ( Department of Health ) and Human services, also OCR ( Office of Civil Rights. I have also ask the Collector to verify that they are licensed / Bonded to collect any debt in the state of Alabama but they refuse to verify that as well .They ignored that request on XX/XX/XXXX. I feel my Rights are being violated. No I'm not a lawyer or have all the degrees that they have but I works harder than anyone at XXXX. It's wrong and I Know my rights. I have no knowledge of these alleged accounts and I want them verified ( signed contract ) giving XXXX permission to have any alleged Medical documentation that belongs to me. I'm demanding all alleged accounts with the accounts numbers above be removed from my all 3 credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/1983 Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Creditor 1 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor 2 ( XXXX ) XXXX Creditor 3 Creditor 4 Creditor 5 Creditor 6 Creditor 7 Creditor 8 Creditor 9 Creditor 10 * Please remove all non-account holding inquiries over 30 days old. 

Thank You, 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 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I sent in a payment of {$31000.00} to Select Portfolio Servicing, XXXX XXXX XXXX, UT. My monthly payment is {$1100.00}. I instructed them, on their payment form, in the box that says " Apply to Principle '', to apply the additional {$30000.00} to the principle. They did not do so, as I instructed them to do on their form. I was told by them that, the money was distributed according to what their computer decided to do with it, even though I had specifically directed its distribution on their form. The payment of {$1100.00} was taken out of the funds. As far as the remaining {$30000.00} goes, the next months payment was made of {$1100.00} { for XX/XX/XXXX }, {$10000.00} was put in an unapplied balance account and the remainder of {$18000.00} was taken off the balance after the second payment { XX/XX/XXXX's } was made. They charged me interest on the {$30000.00} as if it had been paid 2 months later. They said it will take some time to straighten this out. I could call next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX are continuing to report negative with a balance on an account that was included in my discharged Chapter XXXX Bankruptcy DOCKET XXXX. 
It even shows on my report it is in bankruptcy but they are in clear violation of the Bankruptcy courts. I have disputed it and they claim it is valid & XXXX sent results showing valid so they are in violation. It is absolutely not valid and I have contacted my Bankruptcy attorney and I will be taking legal action.

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