vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Recently in XX/XX/XXXX, I obtained a small instalment loan from Sunset Finance. Unfortunately, I lost my job a month after obtaining the loan in XX/XX/XXXX. With the rise of the Covid-19 pandemic ot became hard for me to find gainful employment. I immediately called them and informed them of my situation and promised to start back paying once I obtained a job. They began after them calling me, my family members, friends, and even my former employer. Harassing me and them on a daily basis to get payment. I called and stop with them letting them know I was in fact still unemployed and even homeless, unable to make any payments. So then in XX/XX/XXXX, I finally obtained a job. Thereafter I began to make payments every time I got paid to catch up. On XX/XX/XXXX, I called to make my payment. I was informed that I was too far behind and had to refinance my loan, which meant it would start all over and any monies I had then paid would be forfeited. I informed them I didn't want to refinance my loan and even the next time I got paid I two weeks, I would be paying it off. I spoke with the district manager in which she threatened me, was very unprofessional. Everytime I have ever dealt this this loan company they were very rude, disrespectful and unprofessional. I have been trying to pay my loan off plus anything interest I have accured because of me being late. All I have gotten was threats, harassment, and complete unprofessional behavior. This loan company has to stop. They have displayed unethical behavior and practices once it comes to a business. I did not understand how all the payments I made did not go toward my debt and me starting over somehow was a good thing. The interest rate on the loans are not within the federal regulations of small installment loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
This Account is Fraud. I did not give anyone Authorization to open any accounts using my personal Information i am a victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This Account is Fraud. I did not give anyone Authorization to open any accounts using my personal Information i am a victim of Identity Theft

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 2020-05-28 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: NH

Complaint narrative:
EXPERIAN is refusing to remove a public record and continues to say that they have verified the information with XXXX even after the alleged public record was deleted from all XXXX files based on their inability to verify the information about the public record.

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 2020-05-28 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my Capital One Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. 

Thank you for your consideration, and I hope youll approve my request. 

Best XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
I had a CD-secured loan account with Self Lender for 2 years. After 2 years ; Self guaranteed that when your loan is paid off after the chosen term, you can withdraw the money you borrowed, plus interest, from the CD. This loan was paid of XX/XX/2020. Early-Mid XXXX ; Self claims they mailed my funds via check to an old address on file. I updated my mailing address via my account portal as asked. Self stated they could not do a direct deposit which is one the option. Have reached out to them several times via phone and via email. Self promised my refund had been mailed. I emailed Self on XX/XX/XXXX stating I have not received my payment. XX/XX/XXXX, Self responded back that they see an address change on file but there was no communication to issue a refund and they apologized for the miscommunication with their representative. NOW they offered the Direct Deposit option. I was promised that the process would take 1-4 business day for me to receive my refund. It was been 7 days excluding the XXXX XXXX holiday. I have never been late on payment as SELF did auto draft to my checking account every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute to XXXX & Transunion about an account that was not valid on my credit report. It's been over 60 days and they have not replied with the results. I'm distressed and need 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 2020-05-28 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: WA

Complaint narrative:
on XX/XX/2020 I have submitted my second round of dispute letters regarding inaccuracies pertaining to late payments on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the Department of Education/XXXX accounts, additionally my name and addresses are incorrect on my report as well as my current employer ( Should say XXXX XXXX, I have submitted this information to all three credit agencies, Experian, XXXX  and XXXX they continue to publish my name spelled wrong, incorrect addresses as well as unauthorized credit inquiries and late payments. I would like them removed as they are not accurate and are having a negative impact on my score.

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 2020-05-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on XXXX  I am being hit with XXXX XXXX original creditor XXXX XXXX XXXX for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX XXXX   original creditor was XXXX XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX XXXX XXXX. This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609 I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on equifax it shows 2 and the other equifax has stated I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: PA

Complaint narrative:
To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on XXXX  I am being hit with XXXX XXXX original creditor XXXX XXXX XXXX for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX XXXX original creditor was XXXX XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX XXXX XXXX This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609  I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on XXXX it shows 2 and the other XXXX has stated I do not owe.

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 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
Ive had a cash app account for over a year and always use direct deposit for work and school with this account. 

I started getting unemployment in XXXX and had my checks direct deposited as well. Realizing I didnt want to keep using cash app I opened a credit union and switched my checks over to be deposited into my new account. 3 weeks later cash app locked my account and was asked to upload my ID, letter from unemployment office, social security card and any information pertaining to my unemployment even though Im not using the direct deposit through them anymore. Ive hesitated but upload all my information to them and have been contacting them to no avail. They have no phone number and do not respond. I still have over {$600.00} in my account and am occurring overdraft fees because of them. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-28 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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter to LexisNexis disputing the accuracy of the reporting of a public record. Instead of responding with a result of their investigation, they simply sent a letter talking about an investigation with XXXX, XXXX and XXXX. They are ignoring my demand for an investigation of the facts and reporting of this public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: TX

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my First Progress Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. 

Thank you for your consideration, and I hope youll approve my request. 

Best XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Total Card, Inc.
State: SC

Complaint narrative:
I sent 609 letters asking them to provide proof that the debt is mine and they couldnt I need real proof like signatures and ID cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Your information states that there is no fee for purchases at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX. I was charged {$3.00} on the transaction of {$55.00} XXXX and for each transaction, there is a fee ) ; I want my money back. Why are we charged a fee when those with checks were not? 

Then I went to customer service with a line supervior to pay for my items and get more than the {$100.00} allowed at the registers. This failed. The cashier gave me a short notice of approx. : XXXX Length : XXXX inches with this information XXXX XXXX # XXXX op # XXXX TE # XXXX TR # XXXX DEBIT NOT APPROVED CALL AUTHORIZER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The accounts listed are not my accounts, nor did I authorize these companies to run my credit.

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 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
on XX/XX/2020 I have submitted my second round of dispute letters regarding inaccuracies pertaining to late payments on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the Department of Education/XXXX accounts, additionally my name and addresses are incorrect on my report as well as my current employer ( Should say XXXX XXXX, I have submitted this information to all three credit agencies, XXXX, XXXX and Transunion they continue to publish my name spelled wrong, incorrect addresses as well as unauthorized credit inquiries and late payments. I would like them removed as they are not accurate and are having a negative impact on my score.

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 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: Ray Klein, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted professional credit about an account that was reported to my credit from XXXX XXXX from an alleged debt from XXXX. Since I had no record or recollection of this place, I requested an itemized statement or some sort of detail ; anything that would show me what this was for. I called them on XX/XX/XXXX and again XX/XX/XXXX for update. On both occasions I was told that they did not have any updates and that I would still have to wait until they heard back from their client as no documentation or proof of debt was provided when the account was assigned to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MS

Complaint narrative:
I Have of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.

Company response to consumer: Closed with explanation