vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: World Acceptance Corporation

Complaint narrative:
XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Asking for assistance : Reporting Corruption I XXXX XXXX XXXX started on date XXXX XX/XX/2016 to make a loan from Capital Loan. 

I paid fees upfront, my agent at Capital loan was XXXX XXXX. Everytime the money for the loan was supposed to be paid to me their computer system said I have to pay a deposit into the loan amount which will be paid back to me as credit. Then my application will be approved. The computer system accepts payments to be credited on top of the loan amount. They told me the system accepts and the only to progress is on the system on computer. By now I have paid +- XXXX XXXX to Capital loan. I then decided to cancel my loan. I had to pay a fee for canceling to get my money back. To get my money back I was told to pay fees numerous times now in total XXXX. I have a email what the lawyers of Capital loans send me called a irrevocable guarantee letter stating to credit my account at XXXX after payment. I did the payment but still they say I have to pay more. I have no more money I made a loan to pay this thinking I'm getting my money back. 

I am under debt review because of this incident and I don't know who can help me. 

I have alot of messages and emails and deposit slips for all transactions. I have no resources to get my money back. They always told me that this one payment will be the last. 

Please assist me. Please guide me in the right direction as I am under debt review and have no more funds. I currently work for XXXX XXXX work from XXXX to XXXX night shift XXXX XXXX and my cell nr is XXXX. 

Loan company details are as follows : Loan officer XXXX XXXX XXXX XXXX Kind Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I never consented to having my federal student loans be put on hold due to COVID through the company Navient. I received the National Emergency Forbearance automatically, with my last payment being on XX/XX/2019, something that I never agreed to or opted into. Prior to this I was paying {$490.00} automatically every month, {$100.00} more than the minimum monthly asking price. I'm looking at my statements now, as I'm trying to get a home loan, and notice that for the past 17 months I haven't had those withdrawals taken out. This is absolutely crippling to my future. The audacity that anyone has to stop someone's payments without their written consent is infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
There are two collections on my XXXX credit report that does not belong to me. I never knew of these collections until I turned XXXX. My father name is XXXX XXXX XXXX his social security number is XXXX, birth date XXXX He lives at XXXX XXXX XXXX MI, he used his middle and last name, his address, with my social security with a fake year of birth to open these accounts. I had no knowledge of these two accounts on my XXXX credit report. AFNI, INC XXXX / XXXX. 2. XXXX XXXX XXXX XXXXXXXX date opened XXXXXXXX XXXX I need these accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
I had no knowledge or never authorized anyone to use my social security number. These accounts need to be removed from my XXXX credit report and places on the person responsible for these two accounts, which is my father XXXX XXXX XXXX. I visit my dad, but I nerve lived there. I live at the address listed in XXXX XXXXThere are two collections on my XXXX  credit report that does not belong to me. I never knew of these collections until I turned XXXX. My father name is XXXX XXXX XXXX his social security number is XXXX, birth date XX/XX/1982. He lives at XXXX XXXX XXXX MI, he used his middle and last name, his address, with my social security with a fake year of birth to open these accounts. I had no knowledge of these two accounts on my XXXX  credit report. XXXX, XXXX XXXX / XXXX. 2. RADIUS GLOBAL SOLUTIONS XXXX date opened XXXX XXXX  I need these accounts removed from my credit 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 explanation
Consumer complaint received 2021-08-15 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: IN

Complaint narrative:
My 1st husband remarried and his second wife has the same first name as myself. All her other aliases such as maiden, previous married name, middle name, some of her employment history is under my personal information on Experian. I've contacted them by phone more than once and either im on hold until I absolutely have to hang up or I can't even get to a representative.

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 2021-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX I looked at my checking account and see what my available balance was so I can transfer my funds to another account.US Bank indicated that as of XX/XX/XXXX XXXX my available is {$590.00}. I proceeded to transfer all of {$590.00} to another checking account. 

The next day I took another look at my US bank checking account again and I was shocked that they charged me with four ( 4 ) overdraft fees of {$36.00} each and balance was negative - {$680.00}. I immediately called them and asked the rep what happened to my account resulted in a negative XXXX. She said I had transactions that were still pending. 

If I had transactions still pending, why would they indicated that, as of XX/XX/XXXX XXXX my available amount is {$590.00}? 

Thats just deceiving and tricking customers into believing what they have available then charge them with overdraft fees. Thats not difference than stealing money from someone. US bank STOLE MY MONEY! Why would they have sick practice that is so unethical? 


I told the rep that If I transfer the money back to my checking account, would she able to remove the overdraft. She said no and they are not willing to work out anything with me. 

I am speechless and angry the fact that I was willing to work with them by undue my transfer in hope that they would reverse those overdraft fees but they said they wont do it and my account remained negative. 

They set up this trick to steal my money and others peoples money. US bank is a big thief and they will not return my money

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 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTCoveraccounts : AARGON AGENCY # XXXX Third-Party Collection Agency is unable to validate the debt.Other problems have included debt buyers selling with accounts with one creditor and thenbeing collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyershave purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist.LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio thatincluded the debtor 's account ), or debt buyers attempting to collect monies in excess of thebalance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp.2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All ofthese accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! Ihave not received any documentation from any of the above companies and I request againthat Proof of Claim and verification.

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 2021-08-15 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: TX

Complaint narrative:
I submitted a dispute showing inaccurate information reporting to the three Bureau. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My XXXX bank statement ending balance ( XXXX ) does not match the XXXX bank statement begining balance ( XXXX ) I believe this is intentional theft on the part of the bank. 


Cordially, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: VA

Complaint narrative:
1st I contacted XXXX XXXX XXXX XXXX after my Bankruptcy discharge. to make them aware that they were reporting my car loan as closed and discharged off in the bankruptcy, which is not true. I'm currently and always have been paying on this loan and have never missed a payment. they are still reporting it as closed. then I notified experian about this matter and sent pictures. after disputing it a few times the information has still not been updated. experian does not allow you to write in an explanation, they have prefilled options only. you can't state exactly what is going on. but I am currently paying my car loan. My Report should reflect that.

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 2021-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute showing inaccurate information reporting to the three BureaXXXX. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.

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 2021-08-15 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: TX

Complaint narrative:
I submitted a dispute showing inaccurate information reporting to the three Bureau. This is a direct violation and even showed the proof of the actual violation. The company came back and said UPDATED, but the information was not updated it is still reporting the same.

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 2021-08-15 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: TX

Complaint narrative:
Transunion is allowing XXXX XXXX  to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only XXXX XXXX but Transunion and XXXX  as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT

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 2021-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Services/NewRez : I pay my mortgage on the first of the month. This is the second time they say the have not received the payment. I'm getting a call a day, even on the weekends about refinancing that I have never requested. When I ask about my payment they say that the mail is running two weeks behind ... ...

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/21 I was charged XXXX by XXXX  XXXX XXXX ( Meaning XXXX, PA ) I live in XXXX XXXX, NJ and I do not go to a Fitness center. 

As soon as I seen this transaction on my account ( Approx XX/XX/XXXX ) I disputed the charge. Later I received information that they were going to put the charge back on my account. 

On XX/XX/21 I called MasterCard costumer service, I spoke with " XXXX '' who told me she could not help me and put me on hold from XXXX XXXX  to XXXX XXXX  until I finally had to get back to work. 

I called back about a week later and spoke with " XXXX '' who told me the case was closed I told her that I did not request the service so I should not be charged. I requested to speak with a manager, She told me she would have have the manager call me but that has not occurred.

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 2021-08-15 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: AL

Complaint narrative:
I, XXXX XXXX, disputed an account with XXXX XXXXXXXX with Experian. After their investigation, it came back verified. XXXX XXXXXXXX is a collection company that is collecting a debt for XXXX. XXXX  sent me a letter addressed to XXXX XXXX. That is not my name. I forwarded this letter to Experian to let them know this information is incorrect. They said it again came back verified. I asked them how it was verified and they were not able to provide that information to 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 2021-08-15 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: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX  is allowing World finance to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only World Finance but XXXX  and XXXX  as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: QC HOLDINGS INC
State: ID

Complaint narrative:
On XX/XX/21 I went into Lendnation in XXXX to pay off a {$350.00} loan I had just made on XX/XX/21. I was told I could loan again, but I wanted to keep my payments around $ XXXX {$200.00}. I asked about what the terms of the loan would be, the employee seemed surprised to being asked such a question but rattled off a bunch of figures ... if you loan this much for this long your payments will be .... it was a lot of info not easily digestible so I asked if she could show me what she was talking about. She couldn't twist the monitor so I could see, didn't try, didn't print anything at all. 
It was the very end of the day,, they were closing ... So, I picked one of the options ( I think ). 
I know she funded {$650.00} to my debit card. I know my due date is the XXXX. 
I did not receive any documents to take home at all. I signed three papers, one of which said APR and the finance charge and total payments after all paid according to schedule. 
I commented on the number I briefly saw, and went to point to it but the employee quickly interrupted me and turned the page where she indicated for me to sign. ( Since I had just paid off my previous loan at pretty reasonable rates [ it seemed, retrospect shows it was because I paid it off a few weeks after getting it ] ) Afterwards, I looked at the paperwork from the previous loan, as I remember insisting they print that one for me. The previous loan was for {$350.00}. I was in shock to see the finance charge on {$350.00} for 11 months was {$820.00}! If I had gone to full term I would have paid {$1100.00}!

This seems as they say, UNCONSCIONABLE. 

When XXXX came around,, I did not have time to call Lendnation before closing to see what my payment due that day was supposed to be. - no paperwork.. 
So I decided to put debit card controls on my bank card that day with plans to call or go in the next morning. 
When I woke up the am of the XXXX, my bank had alerted me to the fact the night before there was 2 denied attempts of withdrawal, which I expected, but in addition they had just got around my debit card control options ( which was to block any charge over {$100.00} ) by making 4 consecutive and equal charges of $ XXXX. 
This was at XXXX. I was mad. 

THE ATTACHED IS THE PREVIOUS LOAN

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 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I responded to an inquiry in early XXXX from this company that I did not authorize. I never received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I responded to an inquiry in early XXXX from this company that I did not authorize. I never received a response.

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