vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I originally opened this loan in XX/XX/XXXX. This company has daily finance charges that are unfair and take advantage of people in time of distress. Their percentages of the loan payoff are extremely high. At or above 30 %. I have been paying almost all interest and this loan has been going on for 9 years! I have finally paid this loan off but something must be done on the amount of interest they are allowed to charge the consumer. This is the following information from my XXXX printout. 

One Main Financial XXXX XXXX  XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Original Creditor Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$10.00} Balance Updated XX/XX/XXXX Original Balance {$7300.00} Monthly Payment {$10.00} Past Due Amount Terms 60 Months Responsibility Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: IN

Complaint narrative:
On XX/XX/2019, I received a letter ( attached ) from " XXXX XXXX XXXX '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. 

On XX/XX/2019, I wrote and mailed a letter ( attached ) to " XXXX XXXX XXXX '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. 

" XXXX XXXX XXXX '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. 

Now, today XX/XX/2019, I received a new letter ( attached ) from " Diversified Adjustment Service Inc. '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunterwarfield is not licensed to collect debt in Florida. I am requesting that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX I disputed with Midland and requested validation of debt.I listed several items in my request. In response Midland sent a bill requesting me to validate debt myself. Which I can not do being that I do not and never had an account with this agency. 

Out of retaliation of my request Midland also placed a 2nd collection account on my credit reports with a different amount owed. On the first collection account they placed the following remarks ; '' Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/2019, I sent a second request for validation of debt. This second request was received by Midland on XX/XX/2019. In this second request, I asked Midland to either send items requested for validation or remove this item from my credit reports. In response, Midland again sent me a bill. 

Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. A bill does not suffice. The creditor has no contract with MY SIGNATURE on it that shows verification or permission from me to allow my information to be shared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 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: NJ

Complaint narrative:
There is collection of merely ( {$1000.00} ) on my Equifax Account. I sent certified mails twice to Collection Agency which is XXXX XXXX XXXX to validate my debt. I have received no response. Also I spoke to XXXX from their company and send her email twice to validate my debt. No response. I have sent Equifax all the proofs of failure of collection agency to validate debt at their end. Still they are not removing inacurrate information from my cerdit file. I have sent equifax 4 times disputing the inaccurate information. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Since start of XXXX, I am unable to transfer money since the US number registered in my account is not receiving SMS for 2-factor authentication. Calling to them using my US number also does not get answered by a banker. After messaging Wells Fargo through XXXX, they called me through my international phone to help me. The support person told me that they could only validate the online transfers through SMS and that international numbers could not receive SMS. Without the SMS verification, I would need to send a notarized printed form ( given that I'm not living in US ) to have a transfer. 

After checking other users, I found out that Wells Fargo is blocking VolP numbers, even when they are the only number registered in the account. My phone number is a XXXX XXXX number, so Wells Fargo stopped sending the SMS, without providing a feasible alternative for me. 

After pointing out the fact that VolP are being blocked in Wells Fargo XXXX page ( given that I'm being unable to call them ). I got no answer. I am locked out of my account, being unable to make transfers.

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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
Larry H. Miller,XXXX XXXX XXXX XXXX, XXXX , AZ AUTO DEALERSHIP I had not even selected a car to purchase, it wasn't until I received letters stating reason for denial, ( I knew my credit was poor that's why I did not want the credit ran ). I was perhaps looking for a inexpensive car, certainly not a {$35000.00} car at my age.They Fraudently obtained my credit report for their own gain. I took this to US attorney office, they alerted AZ office. We have been working with this for almost a year with no progress all they do is a runaround. They claimed that I filled out a application on line. They could never produce the form. They want to go arbitration. What is to dispute? just produce the form and remove the credit inquires. 

To much of these identity problems are occurring to people especially seniors, Never thought that was a true statement, but since being a senior I see it more and more.I would appreciate any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX, Experian, XXXX  will not permit any corrections to inaccurate information in credit files. On XXXX XX/XX/2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.

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 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone Credit & Collections, LLC is not licensed to collect debt in Florida. They continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX, XXXX, TransUnion will not permit any corrections to inaccurate information in credit files. On XXXX XX/XX/2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.

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 2019-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax, XXXX, XXXX will not permit any corrections to inaccurate information in credit files. On XXXX XXXX 2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: IN

Complaint narrative:
On XX/XX/2019, I received a letter ( attached ) from " virtuoso sourcing group '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. 

On XX/XX/2019, I wrote and mailed a letter ( attached ) to " virtuoso sourcing group '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. 

" virtuoso sourcing group '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. 

Now, today XX/XX/2019, I received a new letter ( attached ) from " XXXX XXXX XXXX XXXX '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
MY EQUITY SOURCE ACCOUNT APPLICATION WAS DENIED BY CITIBANK NA BECAUSE OF CURRENT DEROGATORY TRADE INFORMATION ON CREDIT BUREAU.I WISH TO HAVE THIS CREDIT INQUIRY REMOVED FROM ALL XXXX CREDIT REPORTING AGENCIES BECAUSE CITIBANK DID NOT PROVIDE ME WITH ANY DETERMINATION BASED REASONS.THE ENCLOSED ADVERSE DECISION LETTER IS DEFECTIVE AMBIGUOUS AND LACKS CLARITY..

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 2019-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I was given a check for XXXX, it cleared my bank and then when I sent 2 payments of {$500.00} to XXXX app and XXXX the check was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Hello, I brought a car from XXXX in XX/XX/XXXX and it was finances through santander the car was sold to me for {$12000.00} I have made excellent monthly payment was late 2 months for the past 4 years which ended in XXXX And when I couldnt make payment anymore due to job lost I volentary gave the car back in XXXX All that time I was paying {$370.00} a month for the past. 4 Years they sold the car and was still asking me for the full a month of {$14000.00} Which I just think if I was paying for 4 year the interest I should have start paying down on the amount of money that was charge for the car. But now they told me I have to pay {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I've had a loan with Ally Auto Loan since XXXX, for XXXX XXXX. I have always paid more than the monthly amount of {$410.00}, except a few payments for months. It's the end of loan and I still owe. My last payment should have been XX/XX/XXXX if I had just paid the monthly payment of {$410.00} each month, however, I didn't. I paid {$450.00}. I feel this loan should have ended in XXXX or XXXX and for some reason I still owe more money and I have a 8.4 % interest rate. 

I'm confused. Why is that happening. I have talked to them and they keep giving the wrong information. I asked for a payment history 3 weeks ago and I have not received. I wanted the history to show how they applied payments. I have all my checks to show I made payments, when and how much. 

I have not received that information as of today, XXXX/XXXX. I have screen shoots on a few payments made in the last few months. I feel like I have gave money away. I was trying to pay it off early, however, that did not work by paying the extra money. 

I would pay extra money each month and it would show I owed less than the monthly {$410.00}, but I still paid {$450.00} or more a month. Help

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 2019-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Ok for the record this is the third time we have filed a complaint against XXXX XXXX XXXX XXXX XXXX   since we took out a loan in XX/XX/XXXX for XXXX. Here are the predatory terms we signed 13 years ago ; 8.67 % DSI for 30 years. These terms have been litigated in XXXX County Ohio case ( XXXX ) and determined predatory lending practices. Currently, in XX/XX/XXXX we made a payment on ( WF ) XXXX web site on XX/XX/XXXX and they didnt apply it to the account until the end of the month costing us daily per diem charges. 

The most recent error by their employees happened on XX/XX/XXXX. I paid XXXX by phone and asked for my balance and she said XXXX. Instead my balance is XXXX. She gave me a confirmation number XXXX to Confirm my balance! In XX/XX/XXXX XX/XX/XXXX falls on a Saturday. I made the payment early and my bank confirmed that WF in Iowa got the payment on Sunday but I called them and they applied it on Monday XX/XX/XXXX. Once again this goes against the terms of loan, those funds must be applied immediately. The bank is not open on Saturday, Sunday or Holidays so this is fraud. Why cant you help us this time, use case law!

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 2019-03-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is refusing to tell me how the " verify '' the inaccurate and unverifiable information on my credit reports. I have mailed in numerous request to Experian and they just keep saying " verified ''. I have also contacted the creditors that are appearing on my credit files, and as of today, they have not responded to my requests as well. So if the creditors can not " verify '' the information that I am requesting to me, how can Experian state that they are able to get the information " verified '' in their system? This is a blatant violation of my rights under the FCRA.

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 2019-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
XX/XX/2012 I was in an accident which required me to have stitches, prior to being admitted I provided my Medical Insurance that I had with the state. I was told that everything should be covered by my insurance. The nurse glued the wound shut and discharged me within hours. 

I've tried to communicate with Grant & Weber since I saw this on my report and have been unsuccessful. I've contacted them 13 times over the last two years to have this taken care of, but Grant & Weber has been unresponsive.

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 2019-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/XXXX I ordered a mattress from XXXX. Upon delivery, I stated it was the wrong mattress size. Delivery men stated I needed to call XXXX and they left. Months I argued with XXXX. FINALLY, I called and was told I had a XXXX balance ( XX/XX/XXXX ). I checked my credit report and it stated written off as bad debt - XXXX   balance. Then, I get a hearing notice for the magistrate. Then, I look and XXXX   has {$1400.00} balance owed and XXXX shows {$1100.00}. Now. XXXX  # 1 should not be able to continually change peoples balances at their will. # 2 they cant write off and XXXX it out then all of a sudden make the balance reappear yet different on each report. 3. XXXX  They still have not corrected my order

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 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2013, {$25000.00}, I sent letters, id theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: MoneyLion Inc.
State: TX

Complaint narrative:
I disputed this account aroundXX/XX/XXXX/XX/XX/XXXX. They are showing my account is 60 days past due which it isnt Especially for the months XXXX, XXXX and XX/XX/XXXX. I've contacted the company several times. Wrote letters and complained to the XXXX. I've made multiple attempts over the phone as well to get this resolved. Several times over the phone when their System never took out onXX/XX/XXXX and XX/XX/XXXX I paid afterwards and they still weren't 30 days past due. The screen shots show missed payments on loan and yet the membership fees always went through

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: CA

Complaint narrative:
On XX/XX/XXXX I responded to a phishing email thinking it was from my bank, which gave away my debit card information, PIN number, and identifying email. Over the next 2 weeks the person stole about {$7000.00} from my checking account via numerous purchases using my card information, and a single {$2500.00} withdrawal. When I realized what happened on XX/XX/XXXX, I called Wells Fargo and had my account closed and card canceled. Over the next 4 months I made numerous phone calls to Wells Fargo as well as visited a local branch 3 times in an attempt to get my money back and point out the roughly 200 fraudulent charges. I got the {$2500.00} withdrawal back, as well as a few small charges, but am still missing about {$4000.00}. Every time I called I would go transaction by transaction indicating they were fraud, and the person would input them all into the claim, but when I would check on the claims every time they were adjusted to only include one or two of the transactions, claiming {$100.00} fraud instead of {$4500.00}. One claim got rejected because they said that because the person had my PIN number I must have authorized it, but I had explained that my PIN was entered into the phishing email. The bank kept making it harder and harder for me to place claims, including blocking me from accessing my old statements after closing my accounts and opening new ones, and refusing to send me proof of my claims after I placed them. They also wouldnt ever help me in person at a branch because they said all fraud claims must be done over the phone.

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