vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
On XXXX XXXX I closed on a consolidation loan to pay off 4 creditors. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. Two of those payments, ( XXXX XXXX XXXX, and XXXX XXXX XXXX have not been received and paid off those loans as promised in the contract we entered. 

One Main Financial refuses to move my payment due date back, or, most importantly, reissue these two missing payments. 

They have not provided me with a copy of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
i have two credit cards on court order, one is collecting for garnishment and second one refused to lower my inetreste rate and i need to get out og my court order immediately and consolidate my loan for one month with all my debt .all arent helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesani Management Inc
State: NV

Complaint narrative:
I have asked on multiple times that they stop adding fees to my loan while I am struggling to pay the loan. They told me to pay {$50.00} twice a month but will not stop the additional fees with paying this amount. I tried to negotiate a lower payment and they refused saying that it is not possible. Even though I am paying XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) my balance due keeps going up. 
They are taking advantage of me being in a financial bind due to medical bills. Their unwillingness to stop the excessive fees means that I will end up paying over 300 % more than borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested that the credit bureaus provide the method of verification that they used to verify the bankruptcy and the have been unable to provide this information with numerous request.

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 2023-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding information on my credit report concerning the account listed below : Vance and Huffman LLC Dispute Reason : Ownership/ No knowledge of account Original Creditor : XXXX Account Type : Debt buyer Date Open : XX/XX/2023 Balance : {$3600.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I have recently reviewed my credit report and discovered the presence of the aforementioned collection accounts. However, I have no knowledge of these collection accounts and believe that it has been inaccurately associated with my credit history. I have taken the necessary steps to dispute this information through XXXX, XXXX and unfortunately, their investigation has yielded an unsatisfactory result. 
According to the investigation, the disputed information was verified as accurate, and XXXX and XXXX has decided not to make any changes to my credit report. I strongly disagree with this decision, as I am certain that I have no connection to the mentioned account. No documentation has been provided as requested by the part above to support I am responsible for the above debt. 
I have carefully reviewed my financial records, and there is no evidence to support the existence of this debt or any association with Vance and Huffman LLC. 
In light of the above, I kindly request a thorough review of my credit report and a reconsideration of the decision made by XXXX and XXXX. I believe that a mistake has been made, and it is essential that my credit report accurately reflects my financial history. I request that the following actions be taken : 1. Conduct a comprehensive investigation into the disputed account and provide clear evidence of its ownership and legitimacy.

2. Update my credit report to reflect the correct and accurate information, ensuring that the disputed account is removed. 
I expect a prompt and fair resolution to this matter. As a consumer, I have the right to accurate and up-to-date credit information. The inaccuracies in my credit report have the potential to negatively impact my financial standing and opportunities, which is of great concern to me. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2022 XXXX a lawyer who was helping me resolve this disputed debt called into Ic System which department states if your an attorney -- XXXX XXXX claimed to be an attorney representing the company, and when XXXX addressed ask if she was speaking with an attorney in office, ask us to hold while she transfer us to the Consumer affairs department which we then spoke with XXXX XXXX started laughing at us and raising her voice, telling us pay bill or action would be taken against us even taking jail, XXXX XXXX told her she was ending the call because this was violation of the FDCPA and lying about us talking with a lawyer and refusing to answer questions didnt believe we was calling a company that was giving false information., I called back and then spoke with XXXX who XXXX up on me. This company has never sent me anything and this company claimed I was calling a lawyer.. THe company was purchased by someone else, they refused give 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/2023, a client of mine paid me {$800.00} for a rental vehicle that they were going to rent for 25 days. Shortly after receiving payment, Square Inc. e-mails me that they suspended my account because they suspect the payment made to me to be fraud. This is not my problem, this should be the responsibility of Square Inc. to ensure transactions that are made on their platform are not fraud. I am not the one charging all the fees to process payments, they are. As also clearly shown in the attached documents, the last name of the only transactions I have on my account are identical. Anyways, they asked me to provide information to get my account active again. As inconvenient as it was, I obliged and sent documents containing my bank account information, my LLC paperwork, screenshots of messages and transactions done between me and my client. The next day, XX/XX/2023, they request more information as the information I provided was not " sufficient ''. My responses to the second email have not changed, as there is not more information that I can provide. I suspect that they will deactivate my account, like they have done with countless other small businesses, and withhold my funds indefinitely without any proof of fraud or basis to do so. I am asking that you can assist me in retrieving my rightfully earned funds that is essential to make sure my business functions. It is unethical that a company holds funds without a legal right to do so and without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these accounts furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

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 2023-10-04 00:00:00
Product: Credit reporting 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: Nav Technologies, Inc.
State: TX

Complaint narrative:
In XX/XX/2023 I subscribed to NAV in XXXX I tried to cancel and they took me through XXXX screens that say deactivate and when I confirmed they charged me {$160.00} for the next XXXX  months. 

I tried to contact them and they say they do not do refunds but will give me XXXX of XXXX  months. I paid and used the service for XXXX months all I wanted to do was deactivate my account and now my membership is extended. If I cancel now they keep the money and I lose the service. 

I want a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have requested Experian to update my Credit Report to reflect the payoff of my student loans. I have been requesting this from Experian since late XXXX, XXXX and my previous student loan provider, XXXX, has assured me they have provided my payoff information, and subsequent {$0.00} account balance to Experian on XXXX separate occasions - during the course of regular reporting on XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX, and XX/XX/XXXX, as a result of Experian investigating my dispute submission. XX/XX/XXXX was the original submission, and XX/XX/XXXX is the date I added an additional supporting document. 

I have tried to resolve this with Experian, and requested to speak with supervisors, but each time I requested a supervisor, I was placed on a lengthy hold, and hung up on without ever speaking to anyone - when it happens XXXX times in succession, it seems like it's more of a business practice than an anomaly. 

I have been working exceedingly hard to fix my credit, and have done all that is required. I'm just asking now that my score be accurately reflected, and reported. Experian continues to report an inaccurate balance, and account status for my XXXX account, and I want it to stop.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have repeatedly requested the Escrow surplus  to be paid back to me to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: MOHELA
State: WI

Complaint narrative:
Mohela sent me on XX/XX/XXXX an Auto Debit payment Confirmation. which I believe is a Statement. The statement has a date of XX/XX/XXXX. But this was not sent to me until XX/XX/XXXX. I was on REPAYE and was moved to SAVE. During this my tax filing status and number of dependents was changed from Married Filing Jointly with Three Dependents to Filing Single. This changed my payment from {$0.00} to {$370.00} a month. On XX/XX/XXXX I sent a message via Mohela website explaining their error and recieved a confirmation I would hear back in 3 days On Monday morning XX/XX/XXXX I called and after 4 hours and three escalations I spoke with someone who understood their error. The CSR filed their error and said I would receive a response in 2 or 3 days. On XX/XX/XXXX Mohela is scheduled to withdraw the incorrect {$370.00} from my account. I messaged requesting the correct calculation and them not to withdraw {$370.00}. I have not heard back. I do not want to be placed on deferment or forebearance which will result in my interest increasing which it should not under SAVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Experian Credit report includes personal contact information that is inaccurate. I am requesting that the contact information on my report be updated to only reflect the accurate information provided below and all other contact information be removed from the report. This request is to ensure my identity information is uniform and prevent any confusion for creditors or lenders. 

I have attached the formal Dispute Letter To Experian Credit Bureau and a copy of licence for verifcation purposes.

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