vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have filed many disputes over the course of two years with XXXX, M & M Credit, and XXXX XXXX solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, M & M Credit, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, M & M Credit, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, M & M Credit, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, M & M Credit, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, M & M Credit, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This company is using my information without my consent and still can not provide proof that I allowed permission for information to be used with my credit report.According to 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. it states Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness. And as shown no updated credit report has been place I demand these inquiries be removed from my credit report. 


According to 15 U.S. Code 1681a - Definitions ; rules of construction - any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title there for this is illegal

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 2021-11-16 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: MD

Complaint narrative:
I did not consent to, authorize nor benefit from the following account : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This XXXX XXXX Account has been closed for two years, XX/XX/XXXX. Then, XXXX XXXX XXXX XXXX created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. 

As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed XXXX XXXX to change the account number and retain the same false information to the original fraudulent account. XXXX XXXX changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. XXXX XXXX never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. 

XXXX XXXX and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was visiting a friend who was visiting from out of town and I got out my car walking to the hotel and 2/3 people walked up and punched me beat me and pulled a XXXX on me and demanded my purse which had my id in my purse with my address on it my cell phone with the passcode number on it and PIN numbers to debit card and was told if I didnt give them my PIN numbers they would kill me right now and go to my house and kill my family I have children at home so I did what they asked because who want to lose they life over miscellaneous meaningless stuff and they ran off somewhere. After they left I got up and immediately drove home to my family and then went to the hospital. I was told to file another report because they couldnt find my original report when i called for another copy of the report because i misplaced the first report as well! 


I contacted Navy Federal on XX/XX/2021 and they denied my claim the XX/XX/2021, following day, claiming they saw no error on their end when it takes more than 4 hours to complete a claim. They denied me a provisional credit because they denied it. I sent over my police report now no one can give me any information everyone is rude and that was my savings because I escaped an abusing relationship in XXXX XXXX Mo so I came to XXXX XXXX Nv to get away from him and now I got mugged and now Im without money to take care of my children of XXXX which one is XXXX my lights is currently shut off due to none payment because the money that was stolen was for bills rent and to take care of my children I reopened a secondary review and they wont provide me with a provisional credit now because they denied the first fraud claim Im in a financial bind and cant provide for my children and have an eviction notice because I cant pay rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MS

Complaint narrative:
I declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

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 2021-11-16 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: MS

Complaint narrative:
I declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
Date assigned- XX/XX/XXXX Original amount owed- {$240.00} Date of last Payment- XX/XX/XXXX Balanced owed- {$0.00} I have reached out to this company several times about removing this charge off from my credit report, they have refused to remove it even though the account was paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/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 2021-11-16 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: DE

Complaint narrative:
Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX I am not sure why this is on my credit report. The last time I did a credit application with XXXX XXXX was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello - My report currently shows that we owe {$82000.00}. 
XX/XX/21 - I requested a Pay-off Amount for our Mortgage, with Wells Fargo XXXX They referred me to contact HUD to request a Pay-Off Demand Letter, via phone. I waited on the line for over an hour, no one ever answered the phone. After pressing a prompt, I was provided an auto-mated e-mail address - XXXX. I submitted an electronic request, via e-mail where they stated that I needed to allow 6 Days for a response. I have yet to receive a Pay-off Demand Letter. That same day, by pressing another prompt, I was able to leave a voicemail, with my request for a Pay-off Demand Letter included my name and Loan #. 
I have continued to try to contact them via phone repeatedly, with no answer since XX/XX/21. 
XX/XX/21 - XXXX from HUD called my Cell Phone and left me a voicemail to call her back at XXXX. I called back right away & received their recorded message stating that they were Closed ( which was a Saturday morning ). Regular business Hours are M-F XXXX - XXXX Central Time. 
XX/XX/21 - I found another e-mail to send my request for a Pay-off Demand Letter to XXXX. I submitted our Request via e-mail and received a bounce back stating that the mailbox was undeliverable because it was full. So frustrating. 
XX/XX/21 - I also sent to another e-mail address I came across and submitted our Request to XXXX. I have yet to receive a notification of receipt or a response. 
XX/XX/21 - I resent our Request to the e-mail XXXX, it went through without a undeliverable message. I have yet to receive a response. We also tried faxing to phone # 's that the auto-mated message provided at XXXX, XXXX, & XXXX. Each Fax # was busy, with us trying 4 times per line, without any connection. 
We have been waiting for our Pay-off Demand Letter for the last 2-1/2 months. Delaying our ability to refinance our home. It is very frustrating not being able to receive the information that is due to us. Please provide any assistance that you can for us to get our Pay-off Demand Letter in our hands. Thank you in advance for your prompt attention.

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 2021-11-16 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: TX

Complaint narrative:
I did reach out to XXXX XXXX several years back However since I started disputing the error with all three credit bureaus now the issue has because worse. I did not open nor request for a XXXX XXXX credit card. My next step is to file a law suit. I made several attempts.XXXX XXXX is being Negligent on this matter. 
It has paid {$180.00} XXXX in fines for unethical sales practices that included opening around XXXX XXXX fake accounts without customer authorization. ... An investigation by the bank 's own board in XXXX blamed top management for creating an " aggressive sales culture '' that led to the phony accounts.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TX

Complaint narrative:
I did reach out to XXXX XXXX several years back However since I started disputing the error with all three credit bureaus now the issue has because worse. I did not open nor request for a XXXX XXXX credit card. My next step is to file a law suit. I made several attempts.XXXX XXXX is being Negligent on this matter. 
It has paid {$180.00} XXXX in fines for unethical sales practices that included opening around XXXX XXXX fake accounts without customer authorization. ... An investigation by the bank 's own board in XXXX blamed top management for creating an " aggressive sales culture '' that led to the phony accounts.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 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
Opened a Small Business Checking account. 
Did an ACH deposit for the opening. 
Trying to deposit a check, using mobile, and there is a limit of {$500.00} a day on deposits. The option the company gives, is to visit a branch. The nearest branch is XXXX1000 miles away. 

https : //answers.usbank.com/answers/s/article/What-if-my-check-exceeds-my-mobile-deposit-limit-and-theres-no-branches-in-my-state As you can see, since I don't have an ATM or Branch within 1000 miles, and it is a business account, there is no way to deposit money. The website says they can only accept mailin checks for personal accounts.

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 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
This company consumer XXXX co Just put something on my credit out of the blue I have no idea who this company is. Ive never done any business with them or received any documentatikn from them in the mail. I never entered into any agreement with them in his collection accounts negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Re : Loan ID XXXX On XX/XX/XXXX I made 1 payment of {$59.00} to Affirm for Loan # XXXX. Affirm took the liberty of charging my card XXXX additional times for the same amount and are refusing to refund me the overpayments. This is not the 1st time I've had problems with this company. Previously, they turned on AutoPay on my account and blamed me for turning on AutoPay. 

I tried contacting the company through their HELP feature but to no avail. Their website is very frustrating and there is also no direct phone number available to contact the company. When I finally did receive a respond, I tried responding back but there system posed an error. Then I finally got in touch with someone on XX/XX/XXXX and he stated he could not refund me the overpayment because it was too late even after I explained that I tried contacting the company multiple times. 

This company 's customer service is horrible. They do not readily make their phone number available to customers, repeatedly turn on AutoPay on my account without my authorization and blamed me for turning it on and now blaming me for the overpayments which I did not authorized. Unfortunately, there is no proof I can provide that the company did all these things because its within their payment system which I don't have access to but I've been dealing with this company for quite some time and they have a history of bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Refuses to pay owed escrow from a payoff. The loan funded on XX/XX/XXXX, called and they refuse to show evidence or send a check to pay the balance of the escrow account. I spoke with XXXX ( Operator XXXX ) with the escalation, and he flat out refused, telling me to mail my concern to a corporate address. 

This is for loan 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 2021-11-16 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: GA

Complaint narrative:
My XXXX XXXX account on my credit report have not been updated since XXXX. When I call credit one they blame the problem on Equifax. When I call Equifax they blame it on XXXX XXXX stating that they have not updated there my informations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I had a loan through Santander Consumer USA. After about a year and a half my vehicle was repo 'd and I had no way to pay off the remainder of the balance. I was already involved in a lawsuit against Santander Consumer USA regarding them purposely giving out loans to people on terms that they knew they could not pay back. I was advised that once settled ( which it was ) I would receive a check ( I got {$480.00} ) as well as removal of the repo and account from my credit report. 

I have disputed the report now twice and twice now Santander has retaliated and reopened the report tanking my credit score by over 100 points. This is not fair, this company fraudulently was caught and now they are continuing to make my life hard instead of just moving on. They lost the $ XXXX suit and are still badgering me when I have moved on.

Company response to consumer: Closed with explanation