vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Markoff Law LLC
State: WI

Complaint narrative:
This was a payday loan from 4 years ago. I have asked for proof as I have paid off many loans in the last 3 years. No proof was given for legitimacy. I have just got notice that someone attempted to serve me at my home, and double checked my ccap. They are now pursuing payment through small claims without responded or sending any documentation. I have never worked with this debt collector. I have left voicemails with my reference number and no messages back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX Inquiry Date XX/XX/XXXXXXXX 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

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraudXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurate and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. There was definitely an error. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurate and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. There was definitely an error. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 

The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Company : American Express I have had a credit card with American Express for near XXXX years, apparently because I wasn't using it ( it was a backup card ) they stated they informed me that due to inactivity, the account would be closed. I never received the letter and when I called today asking why my account was showing as closed, they said nothing could be done. 

They then tried twice, directing me to their applications department to apply again for a new card. 

So they close the account, tell me I would need a new credit inquiry on my credit report if I'd like to have a card with them. Closing this account has now increased my XXXX XXXX due to losing the line, and lowered my average time on file. A new card would further lower that time. Thus triple impacting my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank
State: GA

Complaint narrative:
I had a checking account sent to collections and Synovus Bank never called or sent me a letter regarding the account. I was never told that I owed them money, and I would certainly have paid them if I was told.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I called and reported to XXXX TRANSUNION and XXXX that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the XXXX XXXX XXXX as I was told to do by agents of all three credit reporting companies XXXX TRANSUNION and XXXX all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: TX

Complaint narrative:
Issues with payments and have been reported unfairly on my credit report. With previous issues of bill payments I started to use there system to make payments. It takes days to come out and other things comes out so they blocked me from using payment system without giving me notification that I couldn't use it anymore. Bill pay takes over a week to be received and that was beyond my control. If I knew I couldn't use system I would have processed it sooner. This was an unfair practice and should be avoided not being allowed to use a system should be given a notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reach out to the company stating that this account is fraud

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 2023-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In the middle of XXXX I requested to update my XXXX name on WePay, which is a third party payment provider for my XXXX website. I prematurely did so because I was unaware that I had to send in the approved documents from the state to the IRS. Once I realized this, I went back into WePay, requesting to change back to my original business name so that they can release over {$25000.00} of my sales that they have been withholding since XX/XX/XXXX. There is no direct customer service - So Ive got a escalation number and have been talking with someone but they have to email back and forth with the trust and safety team. I uploaded all the proper documentation that matches the information was previously registered under. We have using WePay since XXXX & they have sent over {$1.00} XXXX dollars in sales since then. Now they keep resetting my information and will not accept or verify my documents & There is no one I can talk to directly that can tell me what the real issue is. My business is on the verge of collapse. I could not process payroll this week, I had to tell my staff that we can work next week & Ive had to tell all my suppliers to not cash any checks. I cant do anything, Im basically about to lose a XXXX - XXXX XXXX XXXX  due to poor customer service and direct answers from WePay. Ive gone to bank branches, Ive talked to everyone I possibly could and have sent in countless emails with all the documentation & information needed for them to release my funds and due to their incompetence they are still holding all my money & keep resetting my business information instead of reviewing it and approving it like it has been for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
Lexington Law has been taking money sinceXX/XX/2021 Never getting my scores up nor informing of situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Business Factors
State: NV

Complaint narrative:
The medical date of service in dispute is XX/XX/XXXX for XXXX at XXXX XXXX XXXX ( CTH/provider ). I communicated with CTH for months regarding their billing errors between my primary ( XXXX ) and secondary ( XXXX XXXX ) insurance companies. Providers often bill the XXXX XXXX as primary and it causes delays in payment or denials, etc. as happened in this case. I notified XXXX in writing and via telephone that this bill needed to be billed properly. They finally rebilled XXXX XXXX and it was denied. However, the Explanation of Benefits statement indicates, " We have denied all or part of this claim. However, you ( meaning me the patient ) are not responsible for paying the billed amount because you received this service from an XXXX XXXX XXXX  ( PPO ) provider ... '' and " my share '' shows as " XXXX ''. Therefore, I am NOT responsible for this medical debt. 

I ironically tried to make " good faith '' payments to AVOID going to collections as I had hoped they would get the billing corrected and accept XXXX XXXX 's decision. However, XXXX simply REFUSED to accept that XXXX XXXX denied this claim and still refuses to adjust the bill based on the fact that I have two insurance companies. They have been paid and they are not owed any additional monies. 

Despite this, CTH and National Business Factors continued to harass me, send bills, and ultimately reported me to the credit reporting agencies in XXXX of XXXX. This was despite all of my efforts to communicate, provide documentation and act in good faith. The bottom line is that I do not owe anything additional for this date of service. In fact, I am owed a refund of {$150.00} in good faith payments I made in error. 

National Business Factors used coercive debt collection tactics and did not communicate properly with me. They placed the account in " dispute status '' pending the " outcome of their investigation '' in XXXX of XXXX. I never received notification of the outcome of their investigation. Instead, they reported me to the credit reporting agencies and my excellent credit score of XXXX was reduced by XXXX points. I feel harassed. I feel like National Business Factors acted illegally in terms of fair debt collection practices. Both XXXX XXXX XXXX and National Business Factors have caused me financial hardship and stress plus damage to my credit score. I no longer use XXXX XXXX XXXX due to their harsh billing practices and unwillingness to communicate with patients regarding disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo claims i missed a payment in XX/XX/2020. They then proceeded to charge me late fees for 3 years because they counted the payments I was making at a month late instead of contacting me about the missed payment. They claimed to have called me, and provided me with a phone record. The phone number listed on the log is the company I am employed at. The team that answers the phone calls is under my supervision. No one at my work received a call looking for me. Not only am I on the company directory where they could have reached me, but the phone rings at my desk when an outside call is made. 
The only conclusion I can come up with is that because they did not ring through to the operator nor did they try contacting me on the phone tree. I was at work for nearly all of the times listed answering the phone at the number provided. If they would have asked if I was available to anyone at the company, I could have been reached. 
They also said that they were not authorized to call my cell phone despite it being listed as my home phone on the loan application ( which I am providing. ) They could not provide me with information telling me how I could have known or authorized the number that I put on my loan application. They provided this as evidence that I was contacted. I can not understand how the number I put on the loan application was not authorized to receive calls about that loan or how I could have been expected to know that it was not authorized. 
They were able to contact me through the postal system to let me know if a payment was short, but did not send me late notifications by mail. Because I was getting notifications when my payments were short, I believed I was caught up when I resolved these payments. 
The can and have contacted me in the mail. I did not receive any postal mail stating I was late in the entire 3 years they were charging me fees. 
Claiming that they did due diligence by trying to contact me only to tell me that they are not authorized to call me at the number on the loan application is not contact nor is it due diligence. Telling me that I was contacted by phone when I was not contacted by phone is a lie. Dialing and not talking to someone is also not contact. Would they do this on a home phone if my daughter picked up? State that they are not authorized to talk instead of asking if I was available so that was contact? 
What makes me most upset is that they have claimed to call when I received no call. I feel completely blind-sided by this and feel like the company has done nothing to lead me to believe that they didn't want this outcome.

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 2023-10-05 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: NC

Complaint narrative:
I made a payment of {$370.00} on XX/XX/XXXX. They pulled that and then another payment for {$570.00} which I did not make or authorize. No one could explain to me where it came from or how. They said they couldnt find anything on how it happened. All the can do is open a case she said. Told me it probably be easier to dispute it at the bank. So now Im out {$570.00} until someone can give me an answer. They also told me to use their email system next time, so I dont have to wait on hold. I informed her I already tried that avenue and get an automated response immediately saying that they are not answering emails at this time. The lady literally laughed at me. Absolutely ridiculous. Sat on hold for 4 hours yesterday because took out 2 payments, one of which no one could tell me why or how. Was told it would be over 6 weeks before getting a refund. This is an absolute joke. This is the third time Ive called this week. Spending more than 2 hours on hold each time just to be hung up on. I have no idea where my money is or when theyll give it back. No one seems concerned but me. I need that money back. They also turn there comments off on XXXX once they start getting overloaded with complaints which is almost every comment. Im not the only person having this same issue.

Company response to consumer: Closed with explanation