vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: HI

Complaint narrative:
The initial loan taken out in Virginia was made by me in store. There several other loans that were taken out in my name that do not match my bank statements. There are no deposits to my account on dates that have loans taken out by OMNI financial. I spoke to company to try and pull loan documentation they sent me over loan papers that dont even have a signature and some that dont match my signature. The initial store doesnt exist no more so they said that those documents they can not find. I have been paying this loan off for years and should have been done. This is directly affecting my lifestyle in the military. I cut the loan off from direct deposit because I shouldnt have been paying this loan for these many years. The company is not trying to help at all every time I speak to someone they just ask where is the money. It took them so long to just send the statements I asked for twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018 & XX/XX/2018, I XXXX XXXX sent Equifax, XXXX, & XXXX detailed dispute letter ( s ) referencing the inaccuracies listed on my credit report. 

The report detailed inaccuracies in items reporting negatively that should not be, Collections that are not related to me, Late Payments, and unknown inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I attempted multiple times to remove a address from my credit report that do not belong to me. I tried to re investigate and dispute and this is what I got from experian : That reason can't be processed online. 
This Address was reported to XXXX by XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

The accounts in question is XXXX, XXXX XXXX  and XXXX. The address that do not belong to me is XXXX XXXX XXXX, XXXX ohio XXXX. I did not authorize these credit accounts and i have never lived at such address above. I just graduated from XXXX XXXX. All the inquiries are erroneous too. I do have a XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and a XXXX. Those cards I did apply for and received. 


The laws for re investigation through FCRA states : 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

The CRA 's are violating the laws and if this is not rectified I will be contacting legal representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
I received a call XX/XX/XXXX from an unidentified person and the pronunciation on the company he was representing was unclear. The number for this company was XXXX ( XXXX ) XXXX-XXXX. The over simplified message on the answering machine was that I had two days to reply or they were taking me to court over a Cash Central loan from XXXX. I called them back the next day on XX/XX/XXXX and the gentleman that called from that number above claimed he was going to call my place of employment, they were going to file criminal charges for fraud due to the check being bad from XX/XX/XXXXand they were going to take me to court costing an excess of {$1000.00} in court fees if I didn't resolve this. I exclaimed that I recently paid this same debt from a different collection agency and I refuse to pay this again. I told him the name of the company, the reference number, the phone number and who I spoke with. He replied " okay, I will mark this as taken care of ''. Roughly 10 minutes pass and he calls again claiming he needs a letter of confirmation from the other company stating that I paid this and that he will be sending an email right after we speak. No email came. I called the next day and told him to figure it out and i'm not filling out his email information and that he has all the information he needs on where and whom I paid and to do the leg work himself, I also said take me to court if you want, how you used fear-mongering tactics is a complete violation of the Wisconsin State statues for collecting any debt, especially one I had already paid. I hung up. XX/XX/XXXX I receive an Email from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX-XXXX Ext. XXXX claiming I owe this same debt that was claimed I owed from the other number above. I sent an email of a confirmation letter that I received from the company I paid for this debt. The company I paid is XXXX XXXX XXXX  ( XXXX ) XXXX-XXXX  and the gentleman 's name that handled the debt was XXXX XXXX. Reference number for this case is XXXX. I also stated that I was contacting the XXXX but unfortunately none of the businesses in the email were on the XXXX. I sent the third and final email belittling the subject line grammar in the email and correcting it. " Also XXXX, from now on you should use spell check. Its confirmation not conformation you XXXX XXXX XXXX. I felt like disclosing every conversation for transparency reasons. 
Companies that are on this email are XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said collection agency, the requested records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. 

As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent me an credit monitoring alert and email stating that the debt listed was not changed because the company " certified '' ( with no paperwork ) that the information reported was correct. 

Experian is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report on their and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2019-05-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax continues to report a public records item that their public records vendor ( XXXX ) has removed as of XX/XX/2018. This is a violation of the FCRA. I request this item be removed pending the obvious outcome of the investigation. I have provided proof from XXXX included in the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: TX

Complaint narrative:
I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: OK

Complaint narrative:
I am writing to inform you about an error I noticed on my TransUnion credit report. 

DATE OF ITEM DISPUTED : ( XX/XX/2019 ) NAME OF FURNISHER : XXXX XXXX XXXX DESCRIPTION OF DISPUTE : Since it is against the FCRA, 604. Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose., I am writing to inquire as to their alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with XXXX XXXX XXXX or any of their properties In an attempt to collect a disputed debt XXXX XXXX introduced false information into 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 2019-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F&M Capital LLC
State: NC

Complaint narrative:
I received several voice mails from F & M Capital in the past few weeks discussing a debt they claim I owe and threatening that legal action would be taken. I have never received any written communication from them and my voice mail greeting does not state my name. Today I received a voice mail from them claiming that I had been writing bad checks and threatening me with jail time. I do not write checks and again, my voicemail greeting does not reveal my name in any way. Today they also called my father and left him the same voicemail, claiming that I wrote bad checks and could serve jail time and to have my attorney contact them. I have not contacted them or answered their calls because of the legal threats. If they intend to take me to court for some debt, they need to contact me in writing and not discuss private business through voice mail and with third parties. The number they called from this time was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, My tax refund money ( Federal Refund {$10000.00} & CA Refund {$4800.00} ) was sent and deposited into the wrong account. 
Please investigate and reverse the deposit.

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 2019-05-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report. I contacted the FTC and I've also called my local police department. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.

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 2019-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hi there, I am an XXXX seller who recently started selling on XXXX international sites.  

At first, I had set PayPal to do automatic currency conversions. Then I figured out that PayPal was charging significantly more than the mid-market rate, and I also found this post -XXXX XXXX   XXXX - from someone saying how bad PayPal 's currency conversion rates are. I believe that person is based in XXXX, which makes a difference ( i am in the US. ) To avoid PayPal 's abysmal currency conversion rates, I had read that I should set Paypal to accept other forms of currency - this would turn off automatic currency  conversion. So I did this. Then I opened an account on XXXX, with the intention that I would withdraw money from Paypal directly to XXXX in Euro, AUD, GPB etc. and have XXXX do the currency conversion to USD ( their rates are much more favorable than Paypal 's ). XXXX gives you international bank account # s to facilitate this. 

I tried to add those international bank account numbers to my PayPal account, and i found out I couldn't do it. Why? It turns out that paypal US will only allow me to add US bank accounts - so they make it impossible for me to withdraw other forms of currency other than USD. Essentially, paypal forces you to use them for currency conversion. I find this completely unfair as it is my earned money, and PayPal is taking all these unnecessary extra conversion fees and there is no way I can avoid those fees. paypal should give me the option to add international bank accounts so i can CHOOSE who does the currency conversion and am not locked into paypal 's predatory rates. this is not just me they are doing this to, but ALL U.S. paypal users. Unfortunately XXXX uses PayPal, so as an XXXX   seller I can not decide to simply stop using them. I do not think PayPal should be allowed to make it so that only THEY can do currency conversion with my money. I should be able to choose and link international bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report a public records item that their public records vendor ( XXXX ) has removed as of XX/XX/2018. This is a violation of the FCRA. I request this item be removed pending the obvious outcome of the investigation. I have provided proof from XXXX included in the communication.

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 2019-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Took out credit interest free for 18 months with Wells Fargo through XXXX for a couch on XX/XX/XXXX. The first bill was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The second payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The third payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The fourth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The fifth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The sixth payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$60.00}. The seventh payment was due on XX/XX/XXXX for {$55.00}, I paid on XX/XX/XXXX {$100.00}. The eighth payment is due on XX/XX/XXXX for {$55.00}, I paid already on XX/XX/XXXX {$100.00}. As you can see I pay early and for more than the monthly payment. I have had to contact Wells Fargo every month starting in XXXX to have them " correct '' the incorrectly posted XXXX payment that they stated they received too early and didn't post as the XXXX payment. Every month I'm told they will reverse the late charge they try to charge me and fix my account. They have done this since XX/XX/XXXX and every month I receive a statement where they reverse the late fees and attempt to charge them again. I have been transferred to their " corporate response team '' since this affects my credit as well and again have been told twice verbally and in writing that they have corrected the problem. Yet still I continue to received statements trying to collect a late fee. I feel harassed and don't know what to do to get this resolved. It makes me wonder how many people they do this to and how many people just pay it to get rid of them.

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