vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NM

Complaint narrative:
I had obtained an installment loan with One Main Financial ( formerly known as XXXX ) approximately in XX/XX/2016. Upon default due to hardship, One Main had continuously and repeatedly contacted myself on numerous occasions after reporting my financial status to them. Fortunately, after speaking to a supervisor ( XXXX XXXX ) and informing her my status we were able to come to terms of making an reasonable solution : pay a portion of the balance. While speaking to XXXX XXXX I was able to provide all necessary banking information such as banking account number and routing number, and informing her the timeline of when the money can be debted from my checking account so that the account status can be satisfied. However, on today 's date, I had received once again an unexpected call from a representative from One Main requesting for myself to make a payment over the phone. I had even at XXXX point requested from One Main to cease and assist with phone calls due to stress and aggravation that representatives were afflicting upon me. 
Again, I plan to pay the amount owed on the given day the money becomes available, however, I am asking for assistance from the Federal Trade Commission to stop with unwanted calls as I am construing this as a form of harassment now. 

Thank you for your time into resolving this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I currently have a billing dispute regarding my XXXX credit card ending in account number XXXX. While the dispute is under investigation, the bank reported my account negatively to the credit reporting agencies. Can it do this? No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. The problem here is I never received a statement from XXXX to make a payment on time and therefore they placed a 30 day late on my credit reports which when disputed should not be allowed, see below. 

A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... 
Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
OK ... .FIRST OF ALL, I HAVE A CEASE AND DESIST ORDER AGAINST THIS COMPANY. I RECIEVED A LETTER YESTERDAY ASKING FOR MORE XXXX DOCUMENTATION REGARDING MY ID THEFT CLAIM. I AM NOT SUBMITTING ANYMORE STUFF TO THESE PEOPLE!!!!!!!! I WAS LUCKY TO EVEN BARELY FILL OUT THAT XXXX FRAUD PACKET AND SEND THEM A COPY OF MY XXXX ID, AND THEY STILL WANT MORE XXXX!!!!!!!!! I AM NOT DOING IT!!!!!!! GOT IT?!!!!! THEY WERE XXXX TO YOU GUYS ABOUT GETTING A FRAUD PACKET, THEY GOT EVERYTHING THEY ASKED FOR AND STILL WANT MORE!!!! UNACCEPTABLE!!!!! THEY ARE NOT SUPPOSED TO BE CONTACTING ME AT ALL ABOUT THIS DEBT, AND THEY ARE STILL DOING IT, I GOT NOTIFICATION FROM THEM YESTERDAY BY MAIL!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
My wife and I have had a loan wit XXXX XXXX for several years. Although we were late at least twice on the loans, we caught them up. The loans were then sold to Springleaf Financial. Recently, I reviewed the payments on the loans and noticed that the amounts have never decreased since we have had the loans. XXXX loan is for {$15000.00} and another for {$5000.00}. XXXX loans are more than the original loans now and have not decreased. For example, we have paid more than {$60000.00} on the XXXX loan and I have no idea on the XXXX. When we tried to ask questions pertaining to why we have paid so much on the loans and they never decreased, we are either sent through multiple departments or referred back to the high interest rate and penalties on XXXX loans. I have discussed with several parties outside of the loan companies and no one seems to help. We both believe something is not right concerning the loans and the amounts we have paid on them, yet the amounts are not decreasing. Based on what is currently happening-WE WILL NEVER PAY THE LOANS OFF!! Please help. We have documents that can be sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I have never received a letter or been called about this debt. I did not know it existed until I applied for an apartment and they brought it to my attention. When I called National Credit Services to explain I have never in six years been made aware of this debt I was told by a XXXX XXXX that my only option was to pay. I fully dispute this debt, as it was for an early termination fee that I was made to understand would be collected from my initial deposit on the apartment that sent this debt to collection. Because it has been six years, I no longer have paperwork regarding that apartment and the apartment no longer exists, as it was bought out by new management years ago. So I am not able to see if the apartment still has records on file. XXXX XXXX also told me I can not dispute the debt and when I asked for written verification of the debt, he said it would take three weeks to send it out to me. Under law, I believe they have five days to do so. I would like to dispute this debt, but the rep from National Credit Systems in XXXX GA refused to give me information besides repeating the amount and name of the apartment. I am also unsure if this debt can legally be collected because of how old it is. When I asked him if it had reached the statute of limitations time limit, he said he did n't know what that was. He puts me on hold for XXXX min in order to avoid my call and I have still never received a letter or call from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: VA

Complaint narrative:
i moved to virginia in XX/XX/XXXX, i did not start working until XX/XX/XXXX but the state of virginia say i owe them $XXXX for taxes in XX/XX/XXXX i only made about $XXXX , i do not know who to contact , this has been a nightmare,, they have now sent this bill to a collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AVANTE
State: CA

Complaint narrative:
AVANTE USA is attempting to collect on a debt that is not mine from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My daughter attended what used to be XXXX and graduated. I took out Parent Plus Loans to pay for her education, with the intention that she would take out a loan after graduation, pay back the PPLs but that never happened. She got married, had XXXX children and I became XXXX enough that I could n't do my former job. In addition, I 'm now XXXX years old and would be hard pressed to resume work. I 've had XXXX and I 'm very XXXX. I have had many interactions with XXXX/Navigant with quite a bit of pleading on my part to put me on Income Based Replacement or Income Contingent Loans. I have applied for both of these but have been refused and given only the option of forbearance, which as you probably know, puts you out of jeopardy with your creditors but the interest continues to accrue. My original loan that was under {$100000.00} has now blossomed into a loan well over {$200000.00}. I think about this every single day. It has put a strain on my marriage, my credit, my relationship with my daughter and ultimately, my ongoing health issues. Please help me and all of the folks in a similar situation. We are all desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Recovery Management
State: TN

Complaint narrative:
This is a medical bill ( 2010 ) that was filed under Chapter XXXX Bankruptcy in the amount of {$130.00} for XXXX Specialists in which the creditor did not file a claim. XXXX shows this medical bill ( 2010 ) in the amount of {$73.00} for XXXX XXXX XXXX XXXX ... .this is the same place. I have called and talked with XXXX about this medical bill. She informed me that there is no balance on my account and that XXXX Specialists did all of the XXXX procedures in the XXXX center at the same address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX TN. At the time of my procedure it was all XXXX in the same, until they went through transition with another medical center. The creditor did not file a claim with the courts when they held a meeting of all creditors. Since this time they have been bought out by several hospitals and there seems to be no balance showing under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Clearview Resolution Services
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Department of Civil Processing @ Clearview This company continues to call my place of employment threatening that they have papers with my SSN/Name/etc. and I must contact them within 5 days or they will submit my case for processing. They have called me for the better part of 9 months claiming this. When confronted on the phone, they refuse to disclose any pertinent information. They use different names, phone numbers. Apparently, they do this to XXXX people. This needs to stop!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 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: CT

Complaint narrative:
I paid the company it was settled in full. Now Solomon and Solomon keeps reporting on my credit report, the bill is originally for XXXX, which is also reporting, They are both reporting for the same bill. Solomon and Solomon is reporting a different amount to make it look like i owe XXXX different debts. Since the account is paid for them already they said it would be deleted when i asked for writing documentation now that it is paid they said they wo n't do anything about it. They are not the original creditor so i do n't know why they wo n't remove the file when it is showing up two times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC
State: IL

Complaint narrative:
American Coradius International LLC, calling from XXXX, calls daily claiming that they are attempting to collect a debt. I have no outstanding debts and this was verified by my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 2288984 Ontario Inc.
State: KS

Complaint narrative:
Hello, My name is XXXX and here is what happened. While searching for an installment loan online, I was able to find this loan matching service. I applied and was pre-approved for a line of credit from Money-Key. Once I called them and agreed to the terms, I was approved and recieved the money on XXXX/XXXX/2015 according to my bank statement. As we agreed, they started the payback process on XXXX/XXXX/15. The first transaction was XXXX. The next was taken out on XXXX/XXXX/15 in the amount of XXXX. It would withdraw money every two weeks. I noticed that on XXXX/XXXX/15 the name on my statement changed from MoneyKey to MKey-virginia. And I checked my moneykey account on XXXX/XXXX/15, and they still show that I owe XXXX and were planning on withdrawing from my account on the XXXX. I have added up the total amount they withdrew since XXXX/XXXX/15 and the total amount was XXXX. That is well enough to cover the XXXX. I called and asked about my loan, and they said that I have not paid off my balance at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I owed a XXXX XXXX XXXX XXXX from XX/XX/XXXX said I agreed to pay XXXX a month I never did that the statues of limitation have run out as of XXXX summons me to court I replied by sending the court the bill the summons and a letter stating did not owe it due to the statues of limitations on new York state is 6 years so they have put a judgement against me

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 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I spoke with Transunion regarding the inquiries that were deleted from my credit report and then mysteriously reappeared. They informed me that they would not be able to remove all of them and only removed XXXX of the XXXX. The reason they gave was because they were from a particular date, however, regardless of the date, these inquiries were removed and placed back on my credit report and I know this is in violation of my rights. The inquiries that remain on my Transunion credit report should be removed and not placed back on 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 2016-09-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX, all of my inquiries were deleted. I logged in today and they were back and I did not receive any notice.

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 2015-09-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and Transunion has not only been equivocal, they have not provided the requested and sanctioned documentation required by law, nor have they amended the information, in reference to the following accounts since last contact. 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 XXXXPlease be advised that this is not a refusal to pay the debt, but a distinguish sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a specified compulsion, which is binding on me to wage this debt. This is NOT a request for " validation '' via E or evidence of my mailing address, but a mandate for AUTHENTICATION made pursuant to my Clear-cut name Date of Birth Social Security Number and correct address current accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with instantaneous validity. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any mistaken reports of these as mine. Please proof your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this apparent matter. What is your agreement of law for your collecting of intelligence? What is your authorization of law for your collection of this believed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my autograph or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has my account with a past due balance of XXXX and the account has been settled. The Credit union show my account closed and settled, but wo n't take the past due {$940.00} off the credit report. The balance should show zero, just as all my creditors show. Please help asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am trying to purchase a home and found that i have a bankruptcy on my credit from the Nevada Federal court. This is not me because I have never been to Nevada. I filed a dispute with Trans Union because it is only showing up on that report. After the XXXX days was up, I called them and they informed me that it had been investigated and found accurate. i never received communication regarding the findings and when I asked to have it sent to me they informed the that that information was n't available. I have provided them with a letter from Nevada Federal Court that states I do n't have a bankruptcy in their system and have supplied that to Trans Union. Trans Union i not willing to supply the process or contact information for the vendor used to verify the item they put on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XXXX XXXX, 2015 I bought a new car. The car dealer, without my authorization, submitted my information to multiple financial agencies which resulted in XXXX hard inquiries. I have contacted TransUnion multiple times but their instructions are unclear and when I send information to try and solve this issue it never works. I have XXXX hard inquiries in my credit report, XXXX of which are unauthorized I will thus like them removed.

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 2015-06-30 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XXXX of 2015 I bought a Truck and my score was XXXX. On XXXX XXXX XXXX score went down XXXX points and on XXXX XXXX my score went down another XXXX points. I have call these agency 's and no one can explain the drastic change and ask me to wait XXXX months and it would probably change. My score stayed relatively the same for XXXX and for no reason it is now I am XXXX points less and there is no explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation