vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 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 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  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-01-10 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: TX

Complaint narrative:
I have not applied for any new lines of credit or installment loans. I need these inquires removed from my credit file. As well, send verification document that was used to apply this to my credit file.

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 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL

Complaint narrative:
I am writing to dispute a charge of {$430.00} to my credit report on XX/XX/XXXX and XX/XX/XXXX. The Charge is in error because it should be paid and covered fully by my college insurance. 

XXXX XXXX urgent care works with my college insurance which is XXXX XXXX student insurance. I provided my insurance info to the medical service and reconfirmed the full coverage with insurance. Those collections should have been fully covered by college insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: NC

Complaint narrative:
I have noticed a lot of emails and transactions on my credit report recently. I was exposed to a data breach where my personal information was taken and used fraudulently. I am certain that someone is using my identity to open accounts and make charges to existing accounts. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The past payment history on my student loans is incorrect. I have struggled with my credit score being low due to the negative payment history of the student loans. This information has never changed and I dont know how to get the late payments deleted.

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 2023-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
When I went in on XX/XX/XXXX for a standard office visit to see my physician I asked how much the self-pay amount was for an office visit. The office advised that it was {$100.00}. I requested that this visit be billed as a self-pay visit. The Physicians office did not bill as self-pay but chose to bill my insurance for XXXX and then charge me a balance of {$180.00}. I called them to advise that I would not pay the requested amount of {$180.00} and that they billed my insurance without my permission. I told them I would pay the self-pay the amount of {$100.00}. They refused to adjust the bill. They then advised to contact their central billing. I opened a dispute with their central billing. They denied my claim again and advised they wanted {$180.00} to resolve the matter. 

In XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX  issued an update to HIPAA privacy regulations that permit a patient to pay cash. 

Patients covered by a health plan XXXX choose to pay their doctor in full for services and choose not to disclose any information to their insurance company even if the services are covered by the insurance company. 

Anyone that wants to pay on the same date of service should be able to get the discount. 

They have now assigned this account to a collection agency. Credit Systems International XXXX XXXX- XXXX, XXXX XXXX - XXXX. I have called the collection agency to advise them of the dispute and they told me they would resolve the issue if I paid the {$100.00} but would not put anything in writing to confirm their statements. This is a very deceitful tactic. Not to mention assigning any medical bill to a collection agency is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NBT BANCORP INC.
State: HI

Complaint narrative:
Long story short.. NBT Bank partnering with XXXX XXXX and did not have a proper procedure to investigate or vetted a local solar company for licensing. They partnering with an UNLICENSED solar company name XXXX XXXX XXXX  XXXX XXXX and put me in over $ XXXX loan and the solar systems in INOPERATABLE but they want me to pay for the loan? I filed a complaint with State of Hawaii Department of Consumer Protection and they investigate that this XXXX company does not have license to install solar and also that company hire unlicensed contractors to install solar for both of my properties. Fast forward, the state investigator told me that I do not have to pay until the system is operational or at least pass and closed out the permits with the state. I email them multiple times but they only extending my loan and now they report it to my credit report that I did not pay. This causing a tremendous negative impact on me as I am in the middle of applying for a mortgage for my investment property. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and XX/XX/2021. I demand the deletion of these inquiries from my Equifax report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
XXXX XXXX XXXX XXXX Account ending in XXXX was paid in full over a year ago. 

The available credit should show {$7000.00} and amount of debt {$0.00}. 

I have disputed this several times with Equifax, XXXX and XXXX and these inept companies fail to correct the issue even though I have disputed with them multiple times. 

This is negatively affecting my score. They have surpassed the XXXX day investigation period under FCRA since they have continue to report incorrectly. 

Below is what they show : Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX XXXX payment {$0.00} Credit limit {$7000.00} Highest balance {$7000.00} Terms NA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CONST LLC
State: MD

Complaint narrative:
I opened an account with XXXX, invested over {$1000.00}. A few months later, they said they did not have the funds and that instead of filing for XXXX they were going to give back 30 % of my investment. Advertising said that my investment was backed with a 110 % guarantee.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX my cell phone SIM card was stolen, ported out to a different carrier in a different state. 

I work for a direct sales company called XXXX XXXX. XXXX XXXX pays me commission to sell their product. To receive my commission they charge me {$2.00} a month for my money to go to a hyperwallet by a company called XXXX XXXX. There is NO other option to receive commissions from XXXX XXXX. We HAVE to use XXXX XXXX. I had/have a bank account linked to the XXXX XXXX site to transfer funds from XXXX XXXX to my bank. 

On XX/XX/XXXX the criminals that stole my phone number, accessed my XXXX XXXX account and added someone else PayPal account, and transferred {$1600.00} out of my XXXX XXXX and that Pay Pal Account. I was unaware of the theft as the criminals had also taken over my email accounts. So I was completely unaware that any changes had been made or that any money was transferred. 

Once I learned of the theft ( aprox XX/XX/XXXX ) - I contacted XXXX XXXX for help. I was told over the phone that they were escalating my case but that I needed to contact Pay Pal to try and resolve this through them. 

I contacted Pay Pal and they told me that since the money wasn't deposited into my Paypal account that they couldn't help me. 

I contacted XXXX XXXX and they requested documentation, which I sent them. Part of that request was for a copy of my conversation with XXXX XXXX. When I contacted XXXX XXXX to request a copy of my conversation with them, I was told that they couldn't give that to me that XXXX XXXX needed to contact them directly. 

On XX/XX/XXXX XXXX XXXX sent me this email : " The investigation for this case was completed today, and we will not be able to refund the requested amount back to you. XXXX XXXX is a third-party vendor to XXXX XXXX, and we are not responsible for the security of the account. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had originally filed a complaint in XXXX concerning the way Wells Fargo serviced my loan from XXXX until I lost the home due to foreclosure in XXXX ; my original case # was XXXX. I will explain again, however so many notes were included in my original complaint. My loan # XXXX it was originally financed with XXXX XXXX bank they were purchased by XXXX and they were purchased by Wells Fargo ( XXXX ). 
My original loan was conventional fixed rate loan with interest rate of 8.09 % as noted on the promissory note. As i was seeking a refinance or interest rate reduction, in XXXX XXXX I learned that the loan had almost the same payoff as the amount borrowed ( {$100000.00} vs payoff of {$99000.00} ). As I further investigated, I learned this loan was changed to a home equity loan/interest only loan from the Wells Fargo representative XXXX No principal had been applied to my account from XXXX thru XXXX. My family hired a realestate attorney ( XXXX XXXX XXXX XXXX ) and as they begin to pursue. Wells Fargo could not even locate the original closing documents as requested by attorney. 

I made several attempts to save this house and no agreement was offered by Wells Fargo, as time progressed fees ( that I was asking XXXX to forgive ) as well as my interest be credited back was not considered. 

This loan was mishandled by XXXX as it was originally a 30 year mortgage loan with principal and interest and changed to a home equity /interest only loan without my consent. I had to walk away from this home due to foreclosing procedures and lived in apartments from XXXX until recently when I could apply for FHA mortgage again

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: WY

Complaint narrative:
My XXXXXXXX XXXX XXXX XXXXXXXX XXXX Being the executor of her estate I contacted Net Spend. They gave me a list of the documents they need to resolve the matter and issue a refund. They gave me a reference # XXXX I submitted the documents. You have to wait 14 Days to contact them. First they said I needed to resend a copy of her photo I.D enlarged, then they said I have to send a copy of XXXX XXXX XXXX and her I.D to garnishments. When I called to see what was going on they said I would have to resubmit documents to garnishments. Because they were not received. It has been since Approximately XX/XX/2021 since I started this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to find other ways to fulfill her final wishes. They have done nothing but make this money impossible to get.

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 2023-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I called the Money Source to make a payment. The representative took the payment info and stated it had been processed. 

On XXXX the XXXX, XXXX, I noticed the payment had not gone through. I called the Money Source again, another representative indicated she could see the call and the notes indicated there was a payment made, but a manager would have to review the call. She stated the manager would try to do it usually takes 24 to 48 hours for a call review, but the manager would try to di it in 24 hours. 

On XX/XX/XXXX, I had yet to receive a call, almost 72 business hours later. I explained the situation to another representative, she then put me on an extended hold, after which she was able to process the payment. But, she alluded to the payment having been made in XXXX and that I was now in some new classification with a new set of rules. 

I asked to speak to a manger, and eventually a gentleman by the name of XXXX came on. He acknowledged the error, but stated there was no way for them to fix the problem the Money Source created and show that the payment was made on XX/XX/XXXX. I have a feeling XXXX was not a manager, but nonetheless, The Money Source should be able to resolve the issue and reflect the true date the payment was made on XXXX the XXXX. 

Though, it does worry me that if this error was so easy to make, how often is it happening to other individuals? 

I could use your assistance in getting the Money Source to fix their mistake. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX UNKNOWN ACCOUNT XXXX XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE!!! 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX5 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 of 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 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Happy Money, Inc.
State: IL

Complaint narrative:
ood afternoon! I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! Let me inform your company of some Laws protecting consumers. XXXX cfr part XXXX talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! There is civil liability for violation of these laws! Please see 15 usc XXXX. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. Please forward this to your manager or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! XXXX XXXX

Company response to consumer: Closed with explanation