vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: OR

Complaint narrative:
I borrowed {$1400.00} from OppfinanceXXXX bank XX/XX/XXXX. I accepted an APR of 159.41 % not knowing that anything over 36 % in the state of Oregon is illegal and unethical. I have paid them {$1400.00} since the time I accepted the loan and still have a balance of over {$1400.00} which is not realistic for me to pay, and they want me to pay XXXX times a month, and then if I miss XXXX of the XXXX payments, they report to credit. This is not fair or just, and having paid over the amount that I have borrowed in less than a year, this should be taken into account when finding a solution with this company. On XX/XX/XXXX I tried to find a resolution with Opploans/XXXX Bank via XXXX They responded via mail on XX/XX/XXXX stating they were unwilling to settle the debt by Oregon lending regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I NEVER GAVE AUTHORIZATION TO ANY OF THESE ACCOUNTS TO RUN MY CREDIT I AM A VICTIM OF ID THEFT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my XXXX AND EQUIFAX consumer report and I noticed some late payment posted on my consumer report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northwestern Mediation Services
State: KY

Complaint narrative:
This number keeps calling me, and people related to me on XXXX, leaving messages saying this is a legal matter. Not, sure for what. Im tired of daily harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my Experian AND XXXX consumer report and I noticed some late payment posted on my consumer report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I had a credit card with XXXX. On XX/XX/year>, I received this email : " The relationship between XXXX and FNBO is ending. Your credit card account will be permanently closed to new transactions beginning XX/XX/year>. FNBO will replace your existing Cardmember Agreement and Rates and Terms Schedule with the enclosed Cardmember Agreement and Rates and Terms Schedule ( together, your New Agreement ), effective XX/XX/year>. ( Please note that any provisions of the New Agreement pertaining solely to open accounts and/or new transactions will not be applicable, because your account will be closed ). Please see the links below for more information and watch your mail for a copy of this notice. '' The total balance on this card was approximately {$15000.00} ( which was the maximum limit on the card ). I wasn't issued a new card with FNBO. The account was just closed, the full balance was transfered to FNBO. I had no say in any of this. I was just told who to make my payments to on this new account. 

In XX/XX/year>, I payed the first of my monthly bills to FNBO directly as XXXX was no longer involved and FNBO was the holder of the debt. The minimum amount due was {$360.00}, which I paid on-time. 

In XX/XX/year>, I was told the minimum amount due was {$770.00}, and my account balance was now {$15000.00}. More than I had before I transfered, even though this account was closed, and no charges were made. 

When I inquired why the monthly amount was more than double the previous month. I was told that FNBO was charging me 3 % of the TOTAL balance of the account ON TOP of the monthly charge. {$330.00} + {$440.00} for a total of {$770.00}. So only {$440.00} going to the balance. So in essence, it would cost me almost DOUBLE to pay off the account with the minimum payment each month. 

Is this even legal? This was all done without any consent or agreement. I didn't want to close the account, the balance was given to another bank, and I had no choice but accept their terms. 

Do I have any recourse?

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 2024-11-02 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: MOHELA
State: LA

Complaint narrative:
I'm speaking of Mohela. I understand that there is currently a lot of confusing information regarding the government blocking certain types of repayment plans but the confusion mohela is adding to the mess is ridiculous. Months ago I began being emailed advising I was in forbearance. After an unreasonable amount of phone calls and inability to reach a person I finally found out that while the government is overseeing various things our loans are in administrative forbearance. No additional information came about and I've been checking my account regularly for the status. Imagine my surprise last month when I had a past due balance on my account of XXXX. I tried to get someone on the phone but it was pointless so I paid it. I also double checked to make sure i was still on auto draft, and I was... so there was no reason for any overdue amount. But what's really annoying is I got no notice of anything I had to pay. At any rate I paid it and emailed the company and I've heard nothing. Tonight I checked my account again and I was overdue XXXX. Again no idea for what. 

Over the past 3 weeks I've received emails every other day with my upcoming revised payment schedule. I have no clue why they keep making new revisions every few days and I've stopped even trying to call them. But I'm very worried because there's no way I can afford what's on any of these schedules. I've applied for various payment plans and have no idea what to do because you can't reach anyone to discuss it.

On top of all of this I'm a XXXX XXXX who is supposed to have their loans forgiven after 120 payments are made. The governmental issue isn't my fault and I've never been late because I'm on autopay, but now I have missed many months that should have counted in my favor.

I'm so tired of this. We're all so tired of this. We need help to understand what's going on. The XXXX  for mohela is terrifying. I'm actually afraid this company will ruin my credit and my hopes of loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Charged me late fees, paper statement fees, and interest without my knowledge. I set an amount needed to pay off the loan monthly and never missed until they imposed a paper statement charge on me and changed the amount due leading to late fees, paper statement charges and interest. They reversed the late fees and paper billing fees but not the interest fees associated with the wrong doing. Now they refuse to remove interest. It really isnt much, but is concerning that theyre taking advantage of consumers.

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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am a pnc customer! I opened a dispute for a charge of {$180.00} with XXXX for a hotel reservation. On XX/XX/year> I filed a dispute for services not received because I didnt stay at the hotel due to their hotel was not as described condition wise! I provided all of the information to pnc. Weeks later, I get a letter in the mail stating my dispute has been closed because no additional information was received when they have received everything! I contacted the ceo no response, as well as filed a XXXX  complaint! No resolution! All I want is the dispute to be opened so I can received my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
Subject : Dispute of Unauthorized Inquiry Under FCRA Section 611 Dear TransUnion I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and delete the unauthorized inquiry from my credit report. 

The inquiry in question is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize this inquiry, and I have no knowledge of any transactions or agreements with this creditor that would justify its presence on my credit report. 

In accordance with my rights under the FCRA, please : 1. Conduct an investigation to verify the validity of this inquiry. 
2. Delete this inquiry if it is found to be unauthorized.

3. Provide me with written confirmation of your actions and any updates to my credit report as a result of this 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 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I had two capital one credit cards and I'm really good at making my payments and all that but the past two weeks someone been trying to pay off both of my credit cards and I know I don't have the money to do that so I didn't try it but the first time I saw it I called them and they looked it over and didn't see anything and told me not to worry so I didn't worry about it and then yesterday I made my payment and today I checked my account to see if my payment went through and I saw both of my credit cards were Restricted so I called them to figure out what was going on and they told me someone tried making payments and we returned them and since they did it so many times they closed my accounts and I told them it wasn't me because I get paid once a month and I didn't have the money to pay both of my credit cards off and I told them if they tried more payments how come I didn't get any notification on it so I could stop it and when I said that they acted confused and I asked them if they could reopen my accounts but they said no but if I want another one I have to reapply and since they closed my accounts they screwed me over because I get paid once a month and I made payments to the credit cards and find out they are closed with no warning or call from someone to let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My savings account had XXXX unauthorized XXXX transactions on XX/XX/year> totaling {$1200.00} and my checking account has an unauthorized bill pay of {$500.00} processed on XX/XX/year>. I had to open 2 separate claims, XXXX for the XXXX Transactions and another for an online bill pay to XXXXXXXX XXXX and the bank denied both claims. Per Wells Fargo, they advised that unauthorized activity was made through a secure online banking session by me or someone who had my authority and that there were no other processing errors. Essentially the bank is saying that I gave authority for unauthorized activity on my account. These were all fraudulent transactions by scammers as my account was hacked. I have banked with this institution for 10 years and these transactions were clearly not in alignment with the normal history of my banking activity. I have requested the documents they used to make their decision and was told it would take up to 30 days to receive that 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). 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 verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : Transworld system inc.

This is not my account this is a case of fraud I have not given my written or verbal consent to anyone approving the purchase of anything tht has defaulted into collecting I'm a extremely responsible borrower and this is not my account please remove

Company response to consumer: Closed with explanation