vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Received a phone call on XX/XX/2022 from XXXX. There was no caller ID info other than " location unknown. '' Caller left the following voicemail message : " Hi, This is XXXX XXXX calling from Wakefield and Associates. Please contact me or any of our representatives at XXXX. '' The voicemail did not include any information about who they were trying to contact. 

I hit redial on the incoming number ( XXXX ) but did not get the name of the person who answered. Before a real person picked up, a recording stated, " This is an attempt to collect a debt. '' I did not provide my name or any other identifiable information. I stated XXXX ( XXXX ) times to " remove this number from your call list '' and then hung up and blocked the incoming number. 

This is the second ( XXXX ) contact from Wakefield and Associates. The first was a text message around the end of XXXX or first of XXXX. In the preview of the text message that could be seen without opening the entire message, there was no information about who they were trying to reach. It just said " Please contact Wakefield and Associates. '' I deleted the text without opening or responding. 

I do not have any delinquent or unpaid debt so there is no reason for a debt collector to contact me. Also, I have had my phone number for approximately XXXX ( XXXX ) years so it is unlikely that they are trying to contact someone who may have had this number before me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I have already paid my loan with Cash Time as of XX/XX/2020 yet I noticed that theyre still calling me and they tried to debt my debit card again. I have a receipt showing my balance is XXXX but I got an alert this morning that XXXX XXXX there was an attempted debit for {$39.00} and then yesterday they called me again. So Cash Time was pretty convenient to get a loan but their collection practice is pretty bad even if youre a day late theyll call and harass and email over and over again. But like I mentioned this loans already paid off so they have no reason to be calling and no reason to be trying to debit my checking account again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On behalf of my XXXX children XXXX XXXX XXXX and XXXX XXXX XXXX Wells Fargo had me and my daughter with the same number that every person should not share as if we were the same person. I forgot the number but then I went back requesting missing child support payments for my kids it doesnt show what child support is stating was paid. Also, when I had the account with them since 2010 when they were called XXXX there were missing payments made to me, there was % and fees I didnt see while banking with them. They sent me XXXX small checks when they still havent paid for all the debit card fraud that was happening to my account, cyber criminals committing financial crimes using my account they paid me a total of {$700.00} for 3 different accounts. And one piece of mail was addressed to the wrong address an address I never used while banking with them. I only received the small check because I was forwarding all my mail. I explained to them from XXXX that I was dealing with identity theft, debit card fraud where I wasnt recieving their debit card through the mail and I kept having to use temp card while whom ever had the cards I never received. There was hidden accounts with my kids information money missing from IRS victims of crimes deposits and we never got those deposits. I want to know all the deposits made for my XXXX kids what happened to the money. Being i birth them, raising them and have no help with them. I want Wells Fargo to check all Accts from XXXX and find all Accts associated with me and my XXXX kids if they havent changed the names on the accts

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 2022-08-18 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: MI

Complaint narrative:
These accounts affected me as I went to apply for a mortgage and was denied the accounts were not notated they asked me what was going on because this account was not notated. Creditor : XXXX  XXXX  XXXX, Account : XXXX Creditor : XXXX XXXX XXXX, Account : XXXX So I demand these accounts be deleted from my consumer report immediately. 15 U.S.

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 2022-08-18 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-08-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XXXX XX/XX/2022 I placed a legitimate wire transfer from my US HSBC checking account to a US account for {$40.00} XXXX. HSBC cancelled the wire as they thought it was fraudulent. They attempted to contact me but I was asleep as was on vacation outside of the US on a different time zone. As soon as I woke up and saw the communication from HSBC I called but the wire had already been cancelled. To date XXXX XX/XX/2022 ( XXXX  days later ) the {$40.00} XXXX has not been returned to my account. Numerous chats and calls to HSBC have not resulted in resolution of the problem and I have been unable to pay the person who expected to be paid on XXXX XX/XX/2022 due to lack of funds and have no idea when if ever the funds will be returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Nelnet, Inc.
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX, XXXX XXXX, FL campus from XX/XX/XXXX XX/XX/XXXX. Upon the recruiting and enrollment period, I was misled by Admissions reps and the Director of recruitment about transferability of credits after XXXX from XXXX XXXX XXXX. 

I completed XXXX years and obtained XXXX degrees from XXXX and none of my credits were transferable to any other college. 

Shortly after my XXXX, XXXX XXXX XXXX were under investigation for providing fraudulent information about credit transferability, job placement grantees and false loan repayment plans. Recently, ALL XXXX XXXX XXXX campus were closed down by the Federal Government resulting in all degrees from the institute now being invalid. 

I and many of other XXXX are stuck with loan payments for degrees that are no longer valid. Because the authenticity of my college degrees, my only options for furthering my education is to start over at another college resulting in accruing additional student loans. Without being able to further my education, I am extremely limited to career advancement opportunities resulting in loss of better and fair pay for any future job opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-08-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
In XXXX of this year I applied for the XXXX program because I needed assistance post Covid with paying my mortgage I have went back-and-forth with the mortgage company the state of Michigan is telling me that the mortgage company has not submitted the required documents they have not been able to get in touch with the lender to send the proper documents so The payments that are behind can be taken care of through them I have program I have spoken to the state of Michigan and to Planet Home Lending Planet Home Lending is saying that they have submitted the paperwork but theyre still calling me harassing me about the past due payments I am scheduled to start paying my mortgage again in XXXX which is no problem but I need Them to release the paperwork to the state of Michigan so the past due will be paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I was involved in a car accident in XX/XX/XXXX, which resulted in my vehicle being a total loss. After two months of negotiating with the insurance company, a settlement was offered and a check for {$7500.00} was sent to the financing company Bridgecrest on XX/XX/XXXX. Once the payment was applied there was a final balance of {$1300.00} that I was responsible for paying. I received a letter from Bridgecrest on XX/XX/XXXX, indicating that my next scheduled due date would be XX/XX/XXXX. 

Unfortunately, Bridgecrest chose to close my account on XX/XX/XXXX, due to a lack of payment for 90 days and reported my account as a charge-off to all three credit bureaus. I have never received a phone call, email, or letter from Bridgecrest to advise me that my account was delinquent. I became aware of the charge-off due to an alert from XXXX indicating that my credit score decreased. After viewing my credit report, I immediately contacted Bridgecrest to have the error corrected, but I was told that the information was correct and my account would continue to report as a charge-off until the debt was paid. I advised the customer service agent that I received a letter from Bridgecrest indicating that my next payment is not due until XX/XX/XXXX, but nothing was done to correct the erroneous information reported to all three Credit Reporting Agencies. 

According to the Fair Credit Reporting Act, I decided to contact each Credit reporting bureau to file a dispute to investigate the false information. I provided XXXX with a copy of the letter from Bridgecrest to support my complaint to have my credit report updated to show " paid as agreed '', and after waiting 30 days for a response from Bridgecrest, I was advised that the information was correct and no changes could be made to change the information reported by Bridgecrest. I called XXXX to speak with an agent to make sure that the letter from Bridgecrest was considered in their decision and I was advised that it was considered, but XXXX does not have the authority to delete information that is reported by a Creditor, and the customer service agent offered to resubmit my dispute. 

My initial dispute was submitted in XX/XX/XXXX, a second dispute was submitted in XX/XX/XXXX, a third dispute was submitted in XX/XX/XXXX, a fourth dispute was submitted in XX/XX/XXXX, and each dispute has been sent back to me indicating that the account has been reported correctly as a charge-off. My recourse before filing a lawsuit against this company is to reach out to the Consumer Financial Protection Bureau for some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
National Credit Systems , Inc. ( NCS ) is collecting an alleged debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ). XXXX was the landlord on a rental property to which I was a lessee. XXXX claims that I owe {$420.00}. This amount consists of a {$730.00} Notice to Vacate charge and {$370.00} in maintenance/cleaning charges, less the amount from my security deposit of {$680.00}, which XXXX has kept. 

I have sent several responses to NCS demonstrating that the {$730.00} charge was improper and not owed to XXXX because their tenants did not vacate early and they paid rent through the end of the lease term. The lease states that this charge is not owed " if you are moving out on the Lease term ending date, '' which is when the tenants moved out. The tenants also properly executed a " Notice to Vacate '' and filed it with XXXX. 

I further challenged the {$370.00} in maintenance/cleaning charges, requesting backup to prove that all of the claimed charges were necessary and were actually incurred by XXXX. 

Even if XXXX can substantiate the {$370.00} in maintenance/cleaning charges, XXXX still owes me a REFUND of {$300.00} for the improperly assessed Notice to Vacate charge of {$730.00}. 

Despite my timely communications with NCS, they have failed to address my dispute of XXXX 's claim and have reported this debt to collection agencies, thereby improperly and unfairly harming my credit score.

Company response to consumer: Closed with explanation