vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: UHG, LLC
State: KS

Complaint narrative:
Before covid hit some time around XXXX I think it was summer, they were taking {$100.00} out of my account, this payment system happened for a few months 2-4. Then for some reason the payment stop taking from my account, not sure why. So I didn't think much of it, now my getting calls all the time, XX/XX/XXXX around XXXX XXXX that called my job to collect, luckily I answered the phone, I told them not to call my work again. XX/XX/XXXX I get a call on my cell this time at XXXX during my office 's covid testing time. I told them repeatedly I was at work, they kept me on the line. Not only did I get in trouble, they said they'll call my job again if I don't pick up the phone, the next day. In just 2 days my work life has been miserable, between my co-workers gossiping or bullying me about the calls, getting in trouble for the calls happening during work. Which is making my XXXX worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX i was notified that wells fargo had closed my account no reason was given. I was mailed out the amount in my account the moment it closed of XXXX which was my remaining balance at time of closure XXXX a online business i had purchased a products from in XXXX XXXX. I had returned all the products and received a full refund in 2 separate payments. The last portion {$510.00} was returned to my debit card with Wells Z FARGO I made the purchase with on or around XX/XX/XXXX days after wells fargo closed my account when I contacted wells fargo they said it was never received because after an account is closed no refunds would go to my acct. about 6 phone calls back and forth XXXX produced documentation showing the transfer being received and I showed this to wells fargo and they located the transaction apologized and said they will send a check to my home for {$510.00}. I never received the check for {$510.00}. I continued to call and do three way calls with XXXX on the line and wells fargo would never be able to provide any answers and every phone call i had to go over the whole call because there was not much of a record keltwhere the money was and promised a manager would contact me back and I never received any returned calls from managers. This lasted from XXXX XXXX - XX/XX/XXXX till I the point representives with WF would put me on hold and never return to the call to assist me. They never can answer where the money has gone but mention j owed them money but could never produce for what and how much I owed wells fargo.

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 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
THE FCRA covers fraud being portected against display negatively there is predatory lending going on XXXX has already been figned for doing the same thing/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have an auto loan on my credit report with Capital One Auto Finance, the account was opened in XX/XX/XXXX. The account is charged off, I experienced financial hardships and was unable to make payments, the vehicle was repossessed. The account number on my XXXX credit report is displayed as account number XXXX. It has a balance of {$14000.00}. My issue is : Yes, I understand that the account was charged off. My issue is why is it charged off 40 TIMES!!!!! I understand what a charge off is. When a company is unable to collect on a debt owed, over a period of time the debt turns into bad debt and is written off for tax purposes once. ONCE. A charge off is a one time event financially. Why does Capital One Auto Finance get to turn around and damage my credit 40 times!!!!! 1 charge off on my credit report is bad enough. This has to stop. I understand that I was not able to fulfill my obligations and a debt is owed. I get that. The 40 charge offs is extreme and abusive. If, I wasn't being abused financially with these excessive charge offs, maybe I could qualify for a consolidation loan and be able to take care of debts like these. These kinds of actions make it MORE difficult for consumers to come up with some kind of solution to fix the problem. I know Capital One shouldn't be able to charge off a single account 40 times. They charged it off once. Please let my credit report reflect the truth so that I can go out and find a solution and resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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:
I have an auto loan on my credit report with XXXX XXXX XXXX XXXX, the account was opened in XX/XX/XXXX. The account is charged off, I experienced financial hardships and was unable to make payments, the vehicle was repossessed. The account number on my XXXX  credit report is displayed as account number XXXX. It has a balance of {$14000.00}. My issue is : Yes, I understand that the account was charged off. My issue is why is it charged off 40 TIMES!!!!! I understand what a charge off is. When a company is unable to collect on a debt owed, over a period of time the debt turns into bad debt and is written off for tax purposes once. ONCE. A charge off is a one time event financially. Why does XXXX XXXX XXXX XXXX get to turn around and damage my credit 40 times!!!!! 1 charge off on my credit report is bad enough. This has to stop. I understand that I was not able to fulfill my obligations and a debt is owed. I get that. The 40 charge offs is extreme and abusive. If, I wasn't being abused financially with these excessive charge offs, maybe I could qualify for a consolidation loan and be able to take care of debts like these. These kinds of actions make it MORE difficult for consumers to come up with some kind of solution to fix the problem. I know XXXX XXXX shouldn't be able to charge off a single account 40 times. They charged it off once. Please let my credit report reflect the truth so that I can go out and find a solution and resolve.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there's is predatory practice by the bank intuition to incurred a large amount of transaction without my permission or acknowledgement.

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 2020-10-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there's is predatory practice by the bank intuition to incurred a large amount of transaction without my permission or acknowledgment.

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 2020-10-29 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: TX

Complaint narrative:
I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus XXXX, TransUnion, XXXX I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all 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 2020-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
I have been contacting Account Control Technology since XX/XX/2020 at phone # XXXX about selling the debt for my student loans. My employer was contacted directly via mail for 15 % wage garnishment but I was never contacted. Every time I have called, I get differing amounts of what my student loan amount is. I finally settled the debt on XX/XX/2020 and spoke with XXXX. She has not processed my payment and would not give me a confirmation for my payment. My job has now sent my wages on XX/XX/2020 and I feel I will be frauded as they have my payment and are now receiving more of my wages on an account i I have settled. They have not contacted my employer to stop the wage garnishment and will not call me back or forward me any information in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NC

Complaint narrative:
I've tried several times electronically and through hand written mail to get XXXX XXXX XXXX XXXX removed from my report. I was never in debt to them the case was dismissed in my favor by a California judge, the agency then added debt bogusly to my report after the fact. I submitted the court docs to the credit reporting agencies as proof but they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TX

Complaint narrative:
I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus Equifax, XXXX, XXXX I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: TX

Complaint narrative:
I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus XXXX, XXXX, Experian I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all 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 2020-10-29 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: NC

Complaint narrative:
I've tried several times electronically and through hand written mail to get XXXX XXXX XXXX XXXX removed from my report. I was never in debt to them the case was dismissed in my favor by a California judge, the agency then added debt bogusly to my report after the fact. I submitted the court docs to the credit reporting agencies as proof but they refuse to remove it.

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 2020-10-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission or acknowledgment.

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 2020-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
XXXX XOOM-XCOM dispute Fraud Claim # : XXXX XX/XX/XXXX Operator XXXX On XX/XX/XXXX I placed and order with XXXX XXXX XXXX  and sent money to them with XXXX. On XX/XX/XXXX I received an email from XXXX XXXX XXXX stating Our manufacturer notified us that this item is unfortunately on national back order. We do apologize for the issue. We will issue you a refund. A refund invoice from XXXX XXXX XXXX was provided on same day. Also, on XX/XX/XXXX received email statement from XXXX XXXX XXXX XXXX refunded {$590.00} USD from your purchase on XX/XX/XXXX. Also, the same day I transferred {$590.00} back to my XXXX account and was received in my XXXX bank account. On XX/XX/XXXX Xoom then processed an unauthorized transaction debit to my bank account for {$600.00} which I DID NOT AUTHORIZE. XXXX was contacted and a XXXX Written Statement of Unauthorized Debit was submitted and successfully determined IT WAS INDEED AN UNAUTHORIZED DEBIT. A block was placed on XOOM by XXXX preventing any further transactions. Xoom still is pursuing an UNAUTHORIZED DEBIT. Request cease and desist further action on this and dissolve collections actions for Xoom Statement requesting on XX/XX/XXXX under UNAUTHORIZED TRANSACTION RECEIPT for {$590.00}. I have all documents of this statement complaint and additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
On XXXX XXXX I received a debt collection letter for {$4500.00} from ARCADIA This debt was paid off during my XXXX  XXXX to XXXX and after my release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to dispute SEARS/CBNA Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but SEARS/CBNA continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.

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 2020-10-29 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: LEXISNEXIS
State: KS

Complaint narrative:
Good day. I called my bank XXXX XXXX XXXX XXXX  ) to increase my withdrawal limit on cash advances as well as atm transactions. They require an identification with personal information along with a set of 4 questions operated by lexisnexis. I apparently answered one of their questions incorrectly according to their records. The complaint is 2-fold, I answered the questions correctly so either the person at the bank made a mistake or their data is flawed. The 2nd portion of this is the item that I am most concerned about, one of the questions asked was which of these people do I know. I didn't know any of them but, asking this type of question and storing this type of data about me is wholly inappropriate. I suspect that this is the question that I answered incorrectly against their records but for identification verification this type of question should not be asked and should not be considered good practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called citibank to find out where this debt was and have it verified. Citibank stated the debt was passed the statute and they will not be sending anything in the mail to verify the debt I can either pay the full amount and have it closed out or have it report on my credit report as is. 


I ask that you please have all calls pulled from my communication with them 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 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: TN

Complaint narrative:
Stenger & Stenger has continued to submit the same statement regarding an illegal obtain judgement on XXXX XXXX in XX/XX/2010. XXXX XXXX has never once been notified regarding the 1st judgement, nor was Mr. XXXX ever proper notified on this current judgement. XXXX XXXX XXXX is the 3rd purchaser of this debt that ... AGAIN.. IS A TIME BARRED DEBT!!! ( apparently, not understand that part of this conversation ) & that Stenger & Stenger has shown any and all proof of legalities of this TIME BARRED Debt. ( again NOTHING IS ON MR XXXX 3 CREDIT REPORT regarding this so called debt & JUDGEMENT!! ) Yes, we understand the 6 years!!! Yes, we know it is 10 years on Judgements ( again, no record of any JUDGEMENT on Mr. XXXX 's 3 credit reports!! ) However, once again, Stenger & Stenger has not proven that Mr. XXXX was properly notified with either a proper signed summons that Mr. XXXX was notified regard any court date to dispute any action taken against him. Stenger & Stenger only answer is that they are trying to use that We do not under the laws regarding Fair Act regarding Consumer Affairs. Stenger & Stenger, as with any and all other debt collection bottom feeders is utilizing the back door to enforce an illegal issued judgement from XX/XX/2010 ... but, supposed Summons was back in XX/XX/2010 & the supposed hearing was on XX/XX/2010. Stenger & Stenger has not followed any of the proper protocols regarding the laws under the Fair Debt Act. Until, Stenger & Stenger can follow this laws put in place to protect all consumer ... there is no such case against Mr. XXXX. Also, I find that CFPB is not doing it job properly by investigating any part of these complaints. All CFPB is doing is submitting our complaint to Stenger & Stenger & allowing them respond & close this complaint. We can do this ourselves. CFPB is suppose to be here to help the Consumer regarding improper collection from bottom feeding Debt Collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: NY

Complaint narrative:
I am writing to dispute XXXX Account number : XXXX where I am only reporting as an Authorized User. This should not be reported in my credit report. This derogatory account is affecting my credit score. I am not responsible for the debt owed by the account holder. I have been disputing this account but XXXX continues to report it. The account closed, I no longer wanted to be associated with this account. I just want to remove me from this account. I am continuously reviewing my credit report. I need to be reported as TERMINATED in Bureau Code next time.

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