vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I lost my job in XX/XX/2018, I called my loan company to see if I could use the coverage I signed up for when i originally signed my contract ( i.e. help making a payment if I was ever unemployed ), at the time I was told I'd have to make the XXXX payment before I could use the coverage. I called a few weeks after making the payment to discuss the unemployment coverage and was told that since I was not collecting unemployment ( I had been denied my state unemployment benefits ) that I don't qualify to use the coverage I'd agreed to when I signed my contract. I asked if there was anything they could do to help to which they said no. I asked to cancel the upcoming payment since it was set up for auto withdrawal ( since I knew I wouldn't have the money the payment ). I had accepted a job through a temp staffing company but it wasn't due to start until the end of XXXX. I started conversing with my loan company around the beginning of office, I advised them I was trying to keep my car from being repossessed and if they took their auto payment it would overdraw my account causing more issues and risk me losing my car. 

The rep I spoke with told me she had cancelled the auto payments on the loan and I'd need to re-set up the auto withdrawals going forward to keep my loan on a good payment schedule. Turns out the company still tried to withdraw the money from my account and I had to file a dispute with my bank and nearly lost my car. They even tried to make another auto pay withdrawal again on XX/XX/XXXX and I am disputing it again. They want me to make a payment or do an extension but the condition is that I would need to add auto payments back to the loan. 

I've received multiple calls a day, including within the same hour. I've also gotten multiple voice mails left within the same hour on the same day. Every call I get comes from a different phone number which is really upsetting me. I am feeling harassed and under undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've never given my written consent to share ANY of my 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 2018-09-15 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:
I have been writing to Experian and XXXX since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but Experian and XXXX still refuse to remove the charge 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 non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I had sent money to two people XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend I had told them that it was fraud, every time I call them I get a foreign person asking me for the XXXX numbers not case numbers this was for loan fraud, I am disputing this matter, I want my money back they have not made a resolution, so I need to complain hank you for contacting Western Union. 


We'll attempt to contact you within 24 hours using the contact information that you have provided to us. 


For your records, your Case # is : XXXX Please note this is an automated response. We ask that you not respond to this email. 
You may also call us directly at XXXX, so a customer support representative can help you. 



Thank you, Western Union Customer Care www.westernunion.com This is the email I keep getting from them, it was fraud, how can you open accounts when you are illegal then use it for scam or fraud to receive money and nothing is done, what part do they not understand, again I had XXXX and are not in the mood for this, I want my money back refunded for fraud, and the person keeps asking me for more for loan transfer I am not falling victim I am not stupid, I do not feel good to go through this XXXX, again I have contacted the number they gave me and they keep asking me for same information over and over again, this is for corporate office, I want a resolution refund back, please advise I am really upset that this is happening. I am not loosing my money I work hard for, got me behind in bills, because of this scam XXXX and and a foreign person on the other end can not help me with my case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notice on my credit report that a collection had posted to my account. Very aware of my credit this was an immediate error in my mind. The debt appeared to be from XX/XX/XXXX, original creditor being an XXXX XXXX. The phone number of the credit collector was a bit cryptic - During business hours there's never a live person answering, the phone actually didn't ring, leading you to believe you may have dialed an incorrect number but seconds after you're looking at the phone to double-check the phone number you called, a broken up voicemail comes on giving you an option to only leave your name and number. ( no options to speak to someone ). I left a voicemail and asked for them to send notice of the debt in writing - I did not receive nor did I receive a call back. 

XX/XX/XXXX I filed a dispute through Experian. XX/XX/XXXX, I received a dispute notice that the creditor has validate a debt owed and the collection will remain on my account. 

I have never received any notice of this debt - yet I can't get the creditor on the phone. This is unfair to my rights. My credit score dropped 40 points with the add of a collections I can't properly dispute because I haven't seen a bill ( not from the original creditor or the collections ) My complaint is XXXX XXXX as listed on my credit report is operating under unfair practices. My rights have been violated when they placed a collections on my report damaging my credit worthiness yet they can't dignify me with an end to end conversation to give me information I need to protect my rights and my credit history. I will now go on a journey of trying to contact a company with an amateur 's business stature ( hiding behind a a voicemail system and XXXX XXXX ) while they make unfounded accusations that damage my credit worthiness until this dispute is resolved. 

XXXX  XXXX XXXX XXXX XXXX XXXX, MI 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 2018-09-15 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: CA

Complaint narrative:
I've never given my written consent to share ANY of my 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 2018-09-15 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: CA

Complaint narrative:
I've never given my written consent to share ANY of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This collector keeps calling me 7 times per day since XX/XX/2018 and has never left a message nor has sent a debt validation letter showing where I owe a debt with them. This collector is in violation of the FDCPA laws and regulations, if they continue with these types of calls, I have phone records of each call placed and will be getting an attorney and taking legal action against them. This needs to stop and the constant calls are really stressing me out right now and this last call I just got 10 minutes ago has really gotten me fed up. Please let them know not to contact me ever again by phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of the debt through a process called debt validation. 
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my 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 2018-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: KY

Complaint narrative:
I sent a letter asking for validation of debt which is different from verification. The letter sent was with verification and not validation. Verification and validation are completely different. 

VERIFICATION means establishing truth and accuracy. VALIDATION means to provide Legal PROOF of this truth and accuracy. 

Proof of VERIFICATION are bills, receipts, credit card and bank statements. 

Proof of VALIDATION include leases, promissory notes, contracts with an original signature from the Original Creditor NOT the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of then debt through a process called debt validation. 
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Re : Wells Fargo Claim # XXXX Wells Fargo ( WF ) refuses to review video of problem to assist the return of my funds. 
Problem : I used an ATM at WF / XXXX Branch on XX/XX/18 about XXXX PST to withdraw {$200.00}. 
After keying in my information to withdraw my funds, I was diverted away from my transaction by the image pop up congratulating me of my 40 something anniversary. 
I proceeded with using my hand held device to take an image of the screen of the ATM displaying my anniversary. Then pulled away and drove 3/4 around the branch and realized I did not have my {$200.00}. I did not see or notice any other cars at ATM. Pulled around to ATM, no money at ATM. I did not receive my money I went inside and filed a claim. After a letter and two calls to WF, they refuse to provide funds and refuse to examine video to investigate what happen. 

Please Note : WF time stamped transaction ATMID : XXXX information provided at second request states ; " XXXX_ATM_Will_Take_Your _Cash Back ''. 

I speaking with WF representatives, I believe " XXXX '' in Arizona at XXXX XXXX was very short and very rude.

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 2018-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My loan has been sold multiple times for repayment of the loan. I have been making my most recent and up to date payments of {$100.00} per month for 2 years to Navient solutions LLC.  Despite my payments they are sending me notices of default. They returned my payment for XX/XX/XXXX which I sent right back. They are trying to get my taxes in order to pay more into my loan. I am unclear as to why my account is considered in default. I am also unclear as to how my payments are being applied. I am not provided with statements showing my month payments have been applied. I have attached my payments of {$100.00} from the years XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I am a medical resident that has been trying to pay back my loans with FedLoan. I submitted to be on pay as you earn four times during my second year in residency, and I was denied because they said I made too much money. When I spoke to them, I finally got through to a supervisor who said this was their fault and I can be back on PAYE. However, before this happened, they capitalized XXXX dollars on XX/XX/18. I called immediately about this, and they said that this should not have been capitalized and that it is their fault and they will submit a request to have it changed. It has now been almost three months, and I have been placed on income contingent, then forebearance, then income contingent, and now finally back to pay as you earn. They also sent a letter saying I now have XXXX more dollars that will be capitalized due to all of the switching. I called and they submitted another request to have this changed. SO now I have XXXX dollars of capitalized interest that should never have happened, and they refuse to let me speak to the people in charge that deal with these complaints. I can barely afford to live on my resident salary, and I am never going to be able to pay back these loans if they keep messing it up. PLease help!.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my THIRD attempted to dispute a debt that is NOT owed by me. I am a victim of Identity Theft and I have been battling with this company for so me time now to remove this off of my credit. I've tried contacting the Collection Agency by myself and also Equifax but yet Equifax has yet to do absolutely NOTHING to help or verify this debt as well as the collection agency. This debt was taken out under my name without my consent and I am tired of trying to fight this. If this does not work this time, I will be taking legal action against Equifax and XXXX XXXX of this debt that is being filed against my credit report affecting my living standards. this is pure greed and must be stopped. I just received in mail from Equifax on XX/XX/2018 that they have verified a false account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: AZ

Complaint narrative:
I have a problem with Equifax. I formerly had a charge off with XXXX XXXX XXXX. I was able to make contact with the company and they agreed in writing to remove this account from all of my credit reports. XXXX and XXXX  removed the account but Equifax has not. I even sent them the written proof from XXXX XXXX XXXX showing them that it should be removed. However Equifax still has the account listed as a charge off on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15 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: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX, 2. XXXX XXXX XXXX XXXX, 3. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX  and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 2018-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian refuses to remove 90 day fraud alert placed on my report on XXXX WITHOUT my authorization. As of today XXXX, past the 90 day period, company STILL refuses to remove expired alert. This qualifies as defamation

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 2018-09-15 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: IL

Complaint narrative:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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