vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I opened a line of credit with XXXX XXXX in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the XXXX XXXX for the city and the entire city  was shut down leaving me with no work. I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. I now have the interest fee on my credit as a negative balance of XXXX from midland credit management. I am not sure if they sold the account to someone or what happened as I have not heard anything from them. 

Were responding to correspondence about your XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( account ending in XXXX ). 
Dear XXXX, Were XXXX XXXX XXXX  and we originally issued your XXXX The XXXX XXXXXXXX XXXX XXXX. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found. 
Were sorry to hear of the impact COVID-19 had on you and your family. We hope your situation has improved. 
Were no longer the creditor on your account. Your account charged off due to nonpayment on XX/XX/XXXX. We sold your account to Midland Credit Management , Inc. on XX/XX/XXXX. Therefore, our reporting of your account as a Charge-off that was sold to another entity is accurate. Were reporting the account with a zero balance owed to us as of XX/XX/XXXX. Midland Credit Management , Inc. may report your account under its name as the new creditor. 
For any additional questions about your account, please contact Midland Credit Management , Inc. at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed this fraudulent account appeared on my 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 2022-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX ran my credit on accident when my father went to their dealership to buy a. truck, i told them they ran the wrong information they told me they cant do anything about it. my credit score dropped XXXX points and i didnt give anyone permission to check my credit, it was a total of XXXX inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Any debt that I have had with XXXX XXXX XXXX and XXXX XXXX XXXX has been paid. I submitted proof of payment and this is still showing on my report. XXXX is not doing its job and violating my rights. Looking for an attorney to sue both progressive and XXXX for violating my rights. Failing to properly notify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just ordered my credit report and wanted to make sure everything is reporting accurately. 
Can you please investigate my consumer report and ensure everything is 100 % correct. 

Experian Credit Reporting Company is holding me back and the two companies below work together because when I called them they laughed said good luck with my dispute, told me they are going to bleed my credit because they have friends that work at this Experian company, if you look at my full credit report, you will see Experian is the only credit company reporting this on my credit report for years and this is effecting my credit. Experian is the only company holding my credit score at a XXXX but I am in the XXXX + club with the other two companies do you see the big score cap? 

Also can you make sure the open date, date last active and account balance are correct? 
Because, I know you all are really busy. I have a list of the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 131 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not give any written instructions to the mention accounts above.

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 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
WELLS FARGO BANK ISSUED ME A CHECK FOR {$200.00} on XX/XX/XXXX : 2022 XXXX See image. 
This check was stolen and cashed by a fraudster.on XX/XX/2022 The Bank ID NUMBER FOR THE FRAUDSTER IS XXXX Sequence number XXXX I am not of XXXX origin. 
This check was cashed by a person of that XXXX origin.

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 2022-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
My credit card with Citi has a 0 % APR rate sale so all new Purchases for the past few months should be eligible for 0 % APR and {$0.00} interest. I also have a Citi XXXX XXXX on account which is at 0 % APR and {$0.00} fees. I however was assessed XXXX cents min interest charge this month even though I paid my min pay due on time via Auto pay. the min interest charge is disclosed as a fee per Card Act but is essentially a flat interest the Bank can charge when the amount of calculated interest is less than XXXX cents.

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 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I believe my ex-wife opened an account without my knowledge. The account was put in collection and I have tried to dispute the account with the credit bureaus but the bureaus keep saying all account information was verified as mine. 

The problem Im facing now is that Im in a process of securing my security clearance with the department of state but this collection account is looking bad on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I used venmo for the first time XX/XX/2022. I sent request for payment of {$45.00} and it was rapidly put into my Venmo account. When I tried to transfer my {$45.00} to my checking acct, Venmo sent this email : '' Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please submit a picture of your unexpired US government-issued photo identification via our Document Upload Form, linked below. This is required to ensure you are the legal account holder. '' ETC. NO explanation as to what I violated. 

So I call their 'great ' customer service line trying to find out what user agreement I have 'violated '. Absolutely no help other than to say I had to provide my ID via email. I responded to the email asking them why and basically got a generically generated response. So I ask for more information and we go back/forth via email but they never give any answers and there's not a name, number or anyone I can actually contact other than this generic email cosmic hole or their equally unhelpful phone rep hole. But I insist and keep trying to find a phone rep that might have better/different info. No luck. Even got a 'supervisor ' who could not do anymore than the other reps. So customer service is a joke and a circle that no one can navigate out of. Finally, I realized I will never get this solved through Venmo phone reps or email. 

Next, I tried to close my Venmo acct. Guess what : they won't let you close your account ( online or via phone ) when it is frozen. So I contacted the person who sent me the {$45.00} to tell her to take it back ; she says there is no way for her to get the money back ; Venmo phone reps confirmed this as well. 

Venmo has my money in a frozen account, won't send it back to person who sent it, won't tell me why my account was frozen, won't let me talk to a person who 'might ' be able to give me some answers, insists on me sending them my ID ... sounds like they think I am a scammer when they are the ones scamming me. 

Does Venmo ( paypal/XXXX XXXX  ) just keep my money forever? If they needed to verify my ID, why didn't they do that when I first signed up for Venmo? So yes, I want my {$45.00} because I worked hard to get it. Also I want my Venmo account closed and my info erased from their databases. And I want you or someone to actually protect us from these financial scammers and predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I started school at XXXX University in XXXX for my XXXX XXXX for XXXX XXXX I was to graduate in three years when I started. I made my monthly payments of XXXX a month that was required to continue going to school. While also getting good grades. Then without warning the school closed in XXXX the only warning I got was an email state they will be PERMANENTLY CLOSED closed from that day on. I tried moving to the school they had partnered with however, they wouldn't take me because I wasn't a state they allowed. I had then went and enrolled at another school. 

I then I believe a month later received a phone call I need to pay them the rest of tuition. I didn't think that was far and told them no I'm not pain for not being able to finish my degree. I still get emails from XXXX University stating I have a a balance and occurring interest. 

loan info : Account Number : XXXX Loan Number : XXXX XX/XX/XXXX Monthly Invoice Due {$1100.00} XX/XX/XXXX Beginning Balance XXXX XXXX XX/XX/XXXX Interest XXXX XXXX XX/XX/XXXX Late Fee XXXX XXXX XX/XX/XXXX Interest XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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 account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

XXXX XXXX  should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
I made 3 phone calls today alone to Experian to speak with an agent and their stupid computer would not let me talk to anyone and no matter what avenue I used she hung up on me.

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 2022-09-29 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: KS

Complaint narrative:
I was with XXXX  from XXXX XXXX XX/XX/XXXX. 
CONVERGENT-XXXX  opened the account in late XXXX which is already after the federal XXXX for cell phone debt. They only contacted me in XXXX of this year and did not send an itemized receipt or letter of debt. I have only recieved letters confirming my payments towards the debt.

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 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX I purchased a car from XXXX of XXXX corner in VA. It was a XXXX XXXX XXXX. I had to vehicle for less then 4 month and the vehicle died on me .I went back to the dealer and was told because I didnt purchase extended warranty there was nothing they could do. So they ended up taking the car off my hands and put me in to a XXXX XXXX XXXX and rolled that entire loan into my new loan .They sold me a lemon and new it was a lemon and held me fully responsible. I just finished paying off the loan that includes both loans which is not fair

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 2022-09-29 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: LA

Complaint narrative:
Experian refuses to remove 3 inaccurate addresses from my report which is leaving me susceptible to identity theft. I have contacted them and they continue to say contact the furnisher ; however, ALL 3 the furnishers communicate with me at my current address.

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 2022-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Any debt that I have had with XXXX XXXX XXXX and XXXX XXXX XXXX has been paid. I submitted proof of payment and this is still showing on my report. Experian is not doing its job and violating my rights. Looking for an attorney to sue both progressive and Experian for violating my rights. Failing to properly notify.

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