vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am writing to file a complaint against OneMain Financial for engaging in unfair and deceptive acts, illegal repossession, wrongful repossession, failure to state the borrower 's right to redeem the vehicle, failure to inform the debtor of the intended method of disposition, redemption rights, and fees which resulted in an inaccurate redemption amount. OneMain Financial violated the Uniform Commercial Code ( UCC ) by not returning remittance coupons, which they claimed they did not process or know how to process. Additionally, OneMain Financial is guilty of usury in violation of Georgia code. 

I spoke with XXXX XXXX in the repossession department who failed to send proper notice, which resulted in the illegal repossession of my vehicle. OneMain Financial did not provide me with any information about my right to redeem the vehicle or the fees associated with the redemption process, which resulted in an inaccurate redemption amount. Furthermore, OneMain Financial failed to state the intended method of disposition, and as a result, I was not able to make an informed decision about the redemption process. 

OneMain Financial 's actions were unfair and deceptive and have caused me significant harm. I am demanding that my vehicle be returned to me immediately. If my vehicle is not returned by XX/XX/2023, I will be forced to file a class-action lawsuit against OneMain Financial for engaging in illegal and unethical practices. 

Furthermore, I want to bring to your attention that OneMain Financial is guilty of usury, a violation of Georgia XXXX. They charged me an exorbitant amount of interest on my loan, which is illegal under Georgia law. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate OneMain Financial 's practices and take appropriate action to prevent them from engaging in these types of unfair and deceptive practices in the future. I also ask that the CFPB investigate OneMain Financial 's usurious practices. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app send me a message on XX/XX/2023 regarding my mother doing a dispute and cash app is taking the money out my amount. Then I looked at my bank account 5 minutes later and {$800.00} was debt out my account. This was not authorized. This is the second time cash app took {$800.00} from my account. The {$800.00} that they took out my account was already returned to my mother from me on cash app on XX/XX/2023. She sent it to me of the amount of {$800.00} first on XX/XX/2023. When I cashed out the {$800.00} it was a instant fee of {$14.00}, so XXXX was cashed into my bank account. Cash app debit my account of {$800.00} ( which was unauthorized that money was returned to me ). I also send my mother {$810.00} on cash app returning that {$800.00} that she send me. This was in XX/XX/2023. I did a dispute with my bank and also cash app on XX/XX/2023. My mother said she did a dispute that had nothing to do with me with her bank. She said that she did a dispute in the beginning of XXXX. She received her money on XX/XX/XXXX regarding her claim that had nothing to do with me. I don't understand why her bank or cash app will take my money out my account. She said that the month that they took from me was not return to her in her bank account nor cash app. I do have all my receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Someone used my maiden last name and current phone number as a ( reference ) for a loan at Security Finance in XXXX Tennessee. Well evidently they defaulted on the loan because this company keeps calling me leaving messages and harassing me trying to locate the person who got the loan. I have told them over and over I don't know where he's at I don't have anything to do with him please quit calling they continued. I have been talked to in an inhuman way that was totally uncalled for just so I could be taken off of the list... what's so strange is that this person that calls me from this company is using my maiden name which I have not used in 42 years. I'm not sure he used me as a reference I think they're just looking for family members to try to locate this person. 
Unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I have a hard inquiry on my credit report, and I have never had XXXX XXXX XXXX before!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My original Bank of America checking account has shown two fraudulent bill pay payment to XXXX XXXX credit card ( amount : XXXX USD ) on XX/XX/2023 and to XXXX XXXX credit card ( XXXX USD ) on XX/XX/2023. Bank of America had never notified me of these two fraudulent transactions, and I discovered these suspicious activities on XX/XX/2023 and immediately contacted Bank of America for fraud claim and froze my original checking account. I have never made any previous transactions to these 2 banks, nor I do possess any of their credit cards, and I was always careful with the cybersecurity of my devices with regular anti-viral software clean-up, but somehow still encountered fraud activities. However, after initial investigation, Bank of America denied my claim, neglecting their responsibility of safeguarding the properties of their client. Therefore I'm filing this complaint in desperate need of your help to make Bank of America honor my claim as this huge amount of fraud loss has put my everyday living in critical conditions. Thank you so much and I hope to hear from you very soon.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received a check from the US treasury. I deposited XX/XX/2023 into a new account at the bank and they have refused to release a hold on the check. Today is now XX/XX/2023. They have not been able to tell me why they won't release the funds. I've made several phone calls and sent email. I am only told it is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX violated permissable purpose of consumer reports a direct violation of FCRA 15 USC 1681 on my transunion credit file XXXX XXXX XXXX XXXX XXXX is reporting a late on XX/XX/21 on account XXXX which is a direct violation of the law under FCRA 15 USC 1681

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 2023-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All of the disputes that were disputed on XX/XX/XXXX still remain. The credit bureau agencies have 30 days to respond and theyre 5 days over. Please correct the items that were disputed on XX/XX/XXXX and remove. thanks XXXX XXXX federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i submitted all identity theft information more than once. My next step is to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX

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 2023-04-18 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American express-account ending in XXXX american express is reporting two lates XX/XX/XXXX, and XX/XX/XXXX. These are a direct violation of the FCRA 15 USC 1681b permissable purpose of consumer reports. XXXX is in direct violation as well for not removing the items under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX and XXXX have both violated my rights. 15 U S.C 1681 section 602A. States I have the right to privacy. 

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






XXXX XXXX XXXX XXXX XXXX XXXX Collections- summary XXXX XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX {$710.00} XXXX XXXX Last Updated XXXX, XXXX Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$580.00} Credit Limit {$300.00} Credit Utilization 196 %

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 2023-04-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX and XXXX have both violated my rights. 15 U S.C 1681 section 602A. States I have the right to privacy. 

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






XXXX XXXX XXXX XXXX XXXX XXXX Collections- summary XXXX XXXX XXXXXXXX Original Balance {$710.00} Current Balance {$710.00} XXXX XXXX Last Updated XXXXXXXX XXXX  Payment Status Charge-off Worst Delinquency Bad debt/collection Balance {$580.00} Credit Limit {$300.00} Credit Utilization 196 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XX/XX/XXXX I received a letter stating that my monthly payment will increase above {$1800.00} amount due to insurance escrow shortage of {$6000.00}. XX/XX/XXXX I called to see how we can work something out cause I don't have that kind of income to pay such a large amount with other bill being shorted to survive. They informed me of programs that are available such as modification and refinancing for an additional 30 years. I asked for lowing my interest rate due to the fact I made payments on time and always made a way with the insurance, which is the lowest in can get due to company 's leaving the state and living close to a lake of water does not help in anyway. So I asked about the XXXX and XXXX area homeowner rate and they could not give me an answer. My wife and I applied with many companies, but Wells Fargo were the only one that gave use a loan on XX/XX/XXXX. We signed a loan agreement for {$150000.00} at APR of XXXX with monthly payments at {$1500.00}, my credit rating score at the time was XXXX, hers was XXXX. Was told that we would be able to get it lower once our credit improved and when it did in XXXX they refused us due to late payments and not creditable worthy enough. Over the 26 years I would find lower insurance and payment with to {$1400.00} or they added escrow differance to the end of loan end date extending the years of payout. I have been doing my best to improve credit to XXXX to get better APR but all they do is try and get me to do 30 more years loan or other programs. More sacrifices I don't have in me at my age.

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 2023-04-18 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 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

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 2023-04-18 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: Nelnet, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted Nelnet who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX student aid. I contacted XXXX with XXXX student aid on XX/XX/XXXX who advised Nelnet should have the history of my loan and to give them a call back. I have spoken to XXXX from Nelnet who advised she can not view this information and I would need to contact my previous loan company. This company was XXXXXXXX XXXX XXXX  who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: MD

Complaint narrative:
I sent a letter to XXXX, Equifax and XXXX to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Date Reporting : XX/XX/XXXX XXXX  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: MD

Complaint narrative:
I sent a letter to Experian, XXXX and XXXX to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Date Reporting : XX/XX/XXXX XXXX According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have repeatedly reached out to XXXX XXXXCapital One Card to understand and reconcile a fair minimum payment that is due each month, but they refuse to lower my minimum payment. The minimum payment they expect each month is extremely high, egregious and unbelievable. I asked if I could pay {$560.00} each month for the remaining 11 month interest free promotion and they said no. I need to still eat and pay my mortgage, electricity etc. It's like they are forcing me to pay off my card in less than twelve months by having me pay {$830.00} per month. I've repeatedly shared I'm not dismissing my responsibilities and they are still getting a substantial amount of money each month. I didn't pay {$830.00} for the month of XXXX and I was only able to pay {$600.00} for the month of XXXX. I have a 100 % on time paying rate and now my credit score is going to be adversely effected by what's going on with XXXX XXXXCapital One Card. This is not honoring a true 12 month interest free promotion card. I don't know what this is or should be called. I have never had issues with a credit card before in my life like what I am experiencing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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

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 2023-04-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have had my credit card with XXXX XXXX credit card for the past four or five years in which i have paid my payments to them without any problems, but i live on the westcoast and every so often the due date falls on a non banking weekend saturday or sunday, but other customers like my self are being charged a late fee if the payment are not received on eastcoast time regardless if its a weekend non banking day, I shouldnt be penalize with a late fee, because XXXX XXXXsynchrony bank wants to make millions of dollars on late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: NJ

Complaint narrative:
last month i took a look at my credit report last month and i noticed around 4 negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe XXXX cousin used my information to open these accounts.

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
last month i took a look at my credit report last month and i noticed around 4 negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe my cousin used my information to open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have no idea who they are!! They call me every day sometimes 2x a day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Reporting a bankruptcy without providing any proof only keep saying it has been verified when I dispute. VERIFIED BY WHO BECAUSE courts dont verify or give the company any 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 non-monetary relief