vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I can't understand why my credit score keeps going down when l have less debt. Why do transition an equafix lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX  point an the same with anorher credit card that has XXXX balance which has a max of XXXX Credit karma says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Hello, I have recently been move involved in my credit and credit history. I recently noticed a collections from Midland Funding LLC for an account from " XXXX XXXX. '' I have never signed up for nor have has a " XXXX XXXX '' card. I reached out to the company to receive any type of itemized statement to review this debt and they are refusing. They said my letter was sent out in 2018, they have a previous address on file which they would not allow me to update today. The address they have on file is a XXXX XXXX address and in 2018 I was living in XXXX I am now back in XXXX XXXX, but not at that previous address. This account was defiantly opened fraudulently, and now Midland Funding is making it impossible to verify and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XX/XX/XXXX These are not my hard inquiries. I did not inquire about any credit from these companies on these dates please delete ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted TransUnion to request removal of fraud alert, I spoke with some who advised to complete the request online. After attempting to complete the request online, I was not able to access due to TransUnion website being down for 72 hours. I called customer service again to complete the request over the phone, I spoke with a rep who i was not able to understand due to her not being able to speak clearly. I then requested to speak with someone that I can understand clearly to avoid communication issues. The rep continued to repeat, I can help you with that and proceeded to question me. Once I answered the questions correctly, she said I failed and was not able to complete my request. I asked her what are my options, she did not provide any alternative options to assist me at all. I then asked if I can submit my information to verify myself in to complete the request, she stated I needed to wait 3 days for a code. I stated there should be another way to mail my information in and verify my identity. she stated that was not an option for me. I then requested to speak with a manager she placed me on hold, I was on hold for over 2 hours and eventually hung up. This was pure discrimination against me due to me not renewing a monthly membership with 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 explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
On XX/XX//2023, I received a letter from Receivable Solutions XXXX ( XXXX ) attempting to collect a debt that I do not owe, in the amount of {$40.00}. The letter used an aggressive and accusatory tone, and makes remarks that are duragatory to my character, to attempt to coerce me into calling them or outright sending them money to pay the debt. This is the first such a letter I have received from XXXX. The letter also fails to mention my right to dispute the debt, or the requirement to do so in writing. 

I have already contacted the original creditor to verify the debt, and they confirm no such debt exists. They also confirm that the services of XXXX have not been engaged in any debt for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I consolidated my student loans from XXXX  school around XX/XX/XXXX. My payments over the past XXXX years have been on time and typically over the amount due. Everything seemed to be going along as expected on my statements with the amount of money I was paying towards interest decreasing as my loan amount decreased. I paid off my student loans on XX/XX/XXXX. I was surprised to receive my 1098-E showing that I paid {$5200.00} in XXXX as I paid under {$700.00} in interest in XXXX. I received my loan disclosure and my transaction details which did not explain why my interest increased in XXXX and XXXX of XXXX. It almost seems like I was precharged the interest for the life of the loan ( around 30 years ). They made it seem like I was paying interest as I go but then when I paid off my loan early, they charged me the interest as if I paid off my loan over its entire term ( around 30 years ). To me, this seems like a pre-payment penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I called up the credit reporting company. 
I had ask them to investigate the amounts shown. 
They said it was updated but the balance is the same. 
You can see that 15 Payments were made but not deducted from the balance. 
XXXX was my Payments at that time. 
I am on full XXXX XXXX due to a XXXX  XXXX XXXX  that was done twice. 
Please help..

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 2023-02-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I called up the credit reporting company. 
I had ask them to investigate the amounts shown. 
They said it was updated but the balance is the same. 
You can see that 15 Payments were made but not deducted from the balance. 
XXXX was my Payments at that time. 
I am on full XXXX benefits due to a failed XXXX  XXXX  that was done twice. 
Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
They have been trying to collect medical debt that they have bought and have been mailing me and calling me and havent left me alone the debt is from 2015 when my mom just passed away and i just turned XXXX i had no idea what was going on and needed my XXXX taken out, i had no help and had no idea what to do. I did not and still dont have money to pay them back its just me all alone trying to pay my credit cards off and my monthly bills i dont know what they want for me but they need to stop contacting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX, 2023, I received a bill from Chase for my Marriott XXXX credit card. That bill had a statement balance of {$22000.00} with a due date of XX/XX/2023. I paid the balance, in full, on XX/XX/2023. I just received my XXXX statement and am being charged interest of {$310.00}, even though I paid my prior month balance IN FULL by the due date. I called and spoke with a customer service representative and a supervisor and they will not remove this charge. 

It has always been my understanding with any credit card that if you pay the balance in full, by the due date, that you should not be charged interest on your next monthly statement. I do not understand why Chase is not only charging me interest, but charging me a LOT of interest, when I paid my prior month balance in full, by the due date!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is regarding a dispute resolution regarding the {$1200.00} charge from XXXX XXXXXXXX on my Chase credit card. 

We paid a {$1200.00} business upgrade fee to be seated in business class. When we go tot he airport we were held at the counter for 1 hour only to be told at the end of it that we could not be seated in business. Our family was also separated and we could not seat together despite having an infant with us. We requested a refund there but they refused to do anything and instead told us to contact the airline after the flight. I contacted the airline and never heard back since filing the inquiry in XX/XX/2022. It has been 4 months and this company has never gotten back to us. That is why I filed a dispute with Chase since I never received the service I paid for. Chase has done nothing about it over and over. 

I filed the dispute after following their procedures and being shamelessly ignored. I received an email from your department with many pages of useless paper which is apparently the airlines response. Evidently no one at Chase bothered to review the papers because it shows where we were seated on our flight which were ECONOMY SEATS. Yet CHASE sided with XXXX XXXXXXXX despite their own documents showing that we were seated in economy even though we paid a business upgrade of {$1200.00}. 

I have been defrauded and ignored by XXXX XXXXXXXX and Chase is refusing to do anything about it. You need to give me my {$1200.00} back because I never receive the service I paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: PA

Complaint narrative:
Never received notice to dispute.L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: PA

Complaint narrative:
Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I received a notice from my XXXX XXXXXXXX XXXX that I had a collection show up on my credit report and drop my XXXX XXXX XXXX points. Upon investigation of this notice I found out a company Wakefield & Associates ( info below ) had put a collection on my credit report. The supposed creditor is XXXX XXXX XXXXXXXX XXXX XXXX. I never received any billing from XXXX about money owed to them or notices of non payment of a bill. If it was a medical bill my insurance company should have been billed and also unaware of that being billed to my insurance. I have received no information about the supposed debt from Wakefield it just showed up on my credit report. I had no knowledge of the of the billing from either party so how was I suppose to pay the original creditor if I never received a bill or notification of a bill due. 
Company involved. 
XXXX XXXXXXXX XXXX XXXX address unknown believe its in XXXX SC XXXX XXXX Wakefield & Associates XXXX XXXX XXXX XXXX, TN. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: FL

Complaint narrative:
All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than 6 years. I have a mix of credit and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!

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 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Never received notice to dispute.CREDIT COLLECTION SERVICE placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
XX/XX/2022 {$6000.00} dollars sent this though the agency XE money transfer to my recipient, the same day when XE send me a notification the money is in the recipient account I call him to check his bank account to see if was the money there, no wasnt there, I called the agency to notify this and they said I need to wait, Im still waiting for three months, I decide to let them know that I need a recall that I want my money back, but they only said the bank dont respond the recalls, they try to fooling me or what, thats why Im sending the bank statements from my recipient bank to proof he never get the money, they privacy said if the recipient dont receive the transaction XE need to refund the money, dont try to steal other people money, be serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My checking account with Wells Fargo seems to be charging me repeated transactions for similar things, transactions that I do not recognize, and also charging my account for things that it should not be charged for - For example I just ordered a product from a company and the initial charge is only XXXX dollars because I have 60 days to try these products before returning them however Wells Fargo already debited the almost {$300.00} from my account so now I only have {$47.00} and this company is saying that this was supposed to be a temporary hold and that the funds should STILL be available to use in my account - however they are not. This seems to be a repeated pattern with my banking at Wells Fargo. Every time I need the money Wells Fargo always wrongfully debits my account and then doesnt return the funds then blames the other companies.

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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited over XXXX in Bank of America in XXXX atm the amount did not show nor reflect on my account I told the clerk there, as a result I was rushed no one said anything about a 10 day investigation or the fact that I would have to wait. I am traveling for work and have no money now due to this Im also negative and they keep making me wait the first claim put in when it first happens XX/XX/23 was never recorded I had to call today on XX/XX/23 then i spoke to a rep and manger and now theirs a claim out in I am extremely upset.

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 2023-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Never received notice to dispute. Resurgent / LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian several times in regards to a credit report update which has not been dont since last year. They keep giving me reference numbers but I still have not has a change. I have been denied credit due to this.

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 2023-02-04 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: FL

Complaint narrative:
All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than XXXX XXXX I have a mix of XXXX and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!

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 2023-02-04 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: FL

Complaint narrative:
All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than XXXX XXXX. I have a mix of XXXX and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!

Company response to consumer: Closed with explanation