vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I had Involuntary Unemployment insurance was approved 10 months XXXX ( my monthly payment ) claim form sent every month with GDOL  print out of claims and date paid as proof of unemployment emailed every month ( can prove it ). Onemain Financial owns the XXXX XXXX who policy was underwritten with. They paid claim once every 2-3 months causing more interest less principal and payments I had to make in between cause they were late were kept as interest ( XXXX ) no principal and it was their fault conveniently owning both company 's is a conflict of interest. I have all the paper work emails the statements. When confronted with their scam they refused to fix this and this was during covid 19 and reason for my job loss. They are charging me 35 % interest on this loan, the credit insurance and 1099 me for the late payments that went to their interest bearing loan only for all the money they paid on claim. So not only did they make money on insurance payments, the premium I paid for insurance, I had to also pay taxes on it. They have had 706 complaints most during covid 19 and continue with bad business practices and stealing money from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment to my Wells Fargo SECURED credit card in the amount of {$5000.00} on XX/XX/2021, posted on XX/XX/2021 from my XXXX XXXX XXXX account. 
The payment was taken from my account in XXXX on XX/XX/2021. Then showed as posted on my XXXX account on XX/XX/2021 I have paid {$17000.00} in 6 payments to this Wells Fargo Credit Card since XX/XX/2021 using the same linked account. Now, with a {$5000.00} payment to pay the card in full, Wells has put a hold on my payment for 4 business days even after having taken the money from my account and having had a valid history with the same linked checking account from XXXX, used in 6 previous transactions over the last 5 months with NO returns. They are using my fund to secure interest and not paying me or letting me use the funds on the credit card.

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 2021-07-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There was a credit report I received that showed items reporting some information that is not correct and I do not recognize and authorized. The unverified, incomplete, inaccurate items on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

I have disputed these accounts from the three Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the 3 major Bureaus and told them these are not mine and should be removed but I could not get any help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  : XX/XX/XXXXXXXX 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/XXXX ( XXXX XXXX Date Opened:XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT ) ( XXXX Date Opened : XX/XX/XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : 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 XX/XX/XXXX ( XXXX XXXX Date XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT ) ( XXXX  Date Opened : XX/XX/XXXX PLEASE DELETE LATE PAYMENTS FROM THE ABOVE ACCOUNT )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I had my entire account stolen and my bank account over drawn the time I had access to my Coinbase account was XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: The Bureaus, Inc.
State: TX

Complaint narrative:
After informing THE BUREAUS INC that they violated my rights by changing the comment on my credit bureau to say " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', they then requested proof of my claim. They ignored thier own comment they placed on my credit report, and ignored the screen shot of the comment i sent them of the offending comment. Rather than ceasing reporting, they sent me a 50 page binder, that did not have a single signature, or any information proving that I owed the debt. 

After receiving thier response, I attempted to call them 7 times to directly speak with them about their response, everytime I was connected to a line that said they were having technical difficulties, and then the line disconnected. 

The fcra gives me permission to speak directly to them reguarding the debt. Refusing to speak with me by transfering me to a line that disconnects is a violation of the fcra. 

Saying that they were sending the debt to an attorney, is a violation of the fair debt collection practices act. 

This will be my last attempt to resolve this issue with the company directly. If this item continues to show on my credit report after 30days I will be contacting the ftc to notify them of the violations. 

I've asked 5 times for a document with my signature on it verifying that I opened the account, and to prove it wasnt the result of identity theft. They have failed to provide it, despite having responded to 5 disputes requesting the info. The only thing they have sent me is a blank binder with no signatures any where on it, failing to prove that the debt was opened by me. 

They violated the fair debt collection practices act by saying that the debt was transferred to an attorney. 

They violated the fcra by not communicating with me reguarding the debt when I called them on 7 separate occasions.

Reporting of the item is a violation of my rights and must cease. 

Remove from all credit bureaus, and cease all debt collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am completely appalled and disgusted that you guys cant seem to get right. i sent letters over 45 days ago ( XX/XX/2021 ) regarding the fact the you guys are reporting inaccurate information on my consumer report. it is up to you guys to uphold the law that was set to make sure my rights were protected as a consumer and you cant even respond to my LETTERS stating that you have received them or even update my credit report showing that a dispute has been open and its been 45 DAYS!!! what kind of company cant follow the rules stating a company must reply with their investigation results in 30 days. And according to the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract of any and all accounts you post on my credit report. you have not sent me any information not even a letter stating that you have verified through the physical verification of any original signed contract. You are in violation of the laws and I want you guys to immediately remove all inaccurate derogatory accounts there were listed in my letters since you guys cant follows the laws properly.

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Ive mailed debt validation letters and have never received response within the allotted 30 day requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit Dispute was filed with XXXX Credit Reporting Systems and Experian about erroneous / incorrect credit reporting from Merchant XXXX XXXX XXXX to the aforestated credit reporting agencies. On or about XXXX XX/XX/XXXX I totaled out my automobile that was financed through XXXX XXXX XXXX Account Number XXXX. ( Title and Lien Holder ) Motor vehicle was deemed totaled by XXXX XXXX XXXX whom I was insured with. Vehicle was paid off in full by XXXX Insurance Company. Check was issued on XXXX XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$5200.00} which was the agreed amount to completely pay off the motor vehicle. After accepting the check, from XXXX, XXXX XXXX XXXX continued to report in error this account for several months. XXXX XXXX XXXX at first closed the account on my credit file with XXXX and Experian and erroneously reported that I owed them {$710.00}. On XXXX XX/XX/XXXX I received a copy of my Experian and Experian, and XXXX Credit Report which revealed that XXXX XXXX XXXX re-opened the credit account to display the account was opened and a now a new balance of more than {$1000.00} was owed to them. On XXXX XX/XX/XXXX Dispute letters was sent out to both credit reporting agencies, and to XXXX XXXX XXXX disputing the account as being reported in error, and requested that the original contract be verified to include my signature that I agreed to the amount being stated that I owed after check was sent as the agreed payoff amount. Approximately 45 days later, Credit reports from both Experian and XXXX  is still reporting the same erroneous account on m credit files. Both Credit Agencies, and XXXX XXXX XXXX refuse to delete the account from my credit files or correct the account as being paid in Full and account closed. I'm you to intervene on my behalf to correct this erroneous reporting, and bring positive resolution to this matter.

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 2021-07-01 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: Collection Consultants of California
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
The accounts listed are not mine and I have no knowledge of. This is Identity theft and Id like these removed from my credit ASAP! 

XXXXXXXX XXXX Date Opened : XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company CAPITAL ONE BANK USA N was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : CAPITAL ONE BANK USA N - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Consumer Financial Debt Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX sent herself money two transactions XXXX dollars, and another XXXX dollars on XX/XX/2021 Reference # XXXX Reference # XXXX I did NOT approve these transactions. 
She used my laptop with all my banking information, and sent it to herself to pick up cash. These transactions went through. I need my money back ASAP. I want her to pay them back but she has now blocked me because she knows she stole from me.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I checked my credit card statement with Upgrade Loan/Credit Card company and I had a charge of XXXX dollars on my account from XX/XX/2021. This charge is from a hookah bar in XXXX XXXX Ohio. I reside in XXXX XXXX California and have never been to Ohio in my life. In XX/XX/2021 I filed a dispute with Upgrade in which they provided a provisional credit and said they would research the claim. Now on XX/XX/2021 I received an e-mail stating that my transaction dispute was declined and Im expected to pay the XXXX dollars. The customer service received was terrible and they were rude and in NO way are trying to resolve my transaction. I have experienced financial hardship due to COVID 19 and this company doesnt acknowledge that I cant just pay {$820.00} dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I reported the illegal stealing from our account and no one is listening. Here is proof in black and white. Phh/Ocwen/homeq reported false 1098 to our taxes and then tried covering it up. They also reported fake amounts they paid in my escrow accounts which you will see I have attached. They reported fake late payments and fake NSF charges when I paid on the first. I do not have a checking account so how are there NSF charges? It's all forged. Please look at the attached documents and see for yourself. I want them to shut down and arrested for theft. Look at XXXX where they charged over XXXX for school taxes when the taxes were XXXX. This is fraud. Look at XXXX where they paid insurance twice for XXXX. Look at all the fake late payments and NSF fees. Everything circled I want a receipt for. I want copies of the checks they state are NSF. They are lying. I want everything in excel format and not this crazy format they are using. Look at the fake insurance companies and the long-form fees for XXXX XXXX. We have never gone without insurance and they forced their fake insurance and charged us. Please fine them for every mistake.

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 2021-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this 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 2021-07-01 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: FL

Complaint narrative:
I was behind on two payments but even though I was behind, they were still deducting a payment from my checking account each month. I called the company to pay the {$250.00} I was told I was behind on and which is also on my credit report and the representative told me that I owed them over {$1000.00}. After several minutes of trying to get her to explain to me why I had to pay over {$1000.00}, the rep told me to hold on while she updated my account, hung up on me and never called back. My monthly payment for this loan was {$110.00} every two weeks and payments were taken out of my checking account up until the month of XXXX which you see they started reporting it as late for three months, XXXX, XXXX and XXXX. I am able to provide you with my bank statement showing these payments were deducted from my checking account up until XXXX of this year.

Company response to consumer: Closed with explanation