vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: TX

Complaint narrative:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX credit card in the last 6 months. So XXXX Inquiry on XX/XX/2022 is not resulting from my personal action.

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 2022-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to get this removed from my credit report please. It has been on my credit report for over 7 years date open was XX/XX/2015 thank you Name of account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX  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 XXXX XXXXXXXX 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

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 2022-02-23 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Remove the debt from me and ask the con artist student loan provider to pay it. I have already made payments towards this unauthorized balance just to increase my credit score. Did not authorize any loans. Did not receive services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX we were camping at a lake near our home when I received a phone call from a person who stated he was from Well Fargo credit card services. He stated that there was a suspicious activity on my credit card. He asked if I had made a {$1400.00} purchase that morning. I told him I had not. He stated that my account had been hacked and my card needed to be disabled. He said he would text me a 6 digit code to confirm my idenity., I told him I would need to hang my cell in order to retrieve the text. He said he would call back once I had the text. I hung up and looked at the text and wrote down the 6 digit. While I was waiting the call back, I redialed the phone number he had called on and got the Wells Fargo recorded menu. While I was scrolling through the menu to get customer service, I saw the person calling. So I answered the phone and gave him the 6 digit code number, He told me my card was now disabled and a new card would be issued and sent fedx over night to home. 
When we returned home the morning on XX/XX/XXXX I logged in to my Wells Fargo account and saw that there was a {$7100.00} charge on my account that I didn't make. I immediately called Wells Fargo and reported the fraudulent charge. I also filed a report with county police dept. Wells Fargo opened a Fraud claim. On XX/XX/XXXX Wells Fargo denied my claim and said that I authorized the card. On XX/XX/XXXX Called Wells Fargo and appealed their decision. They reopened the claim and I am now waited their decision. I did not make this charge and I told them so. I will continue to fight them on this, if they continue to deny my claim. 

.

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 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a checking account with Citibank on XX/XX/2021 with an initial deposit of {$5000.00}. in XXXX I began direct deposit from my payroll. Sometime in XXXX I noticed issues accessing the account. I called the bank and was told the account was blocked and under review. However the bank continued to accept my direct deposits. On XX/XX/XXXX I was informed by letter that the account would be closed in 60 days. I attempted to have my funds returned but was told I would have to wait for a check. The bank would not wire the funds to me or allow me to withdraw from a branch. I called again on XX/XX/XXXX ( 60 days later ) to inquire about the funds and was told the account was still not closed but under review. 

I stopped direct deposit in XXXX. The bank still holds {$25000.00} and will not provide a date as to when the money will be made available to me

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 2022-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
Two automatic payments of {$40.00} were debited within 2 days. The first on XXXX, the second on XX/XX/2022. 
On XX/XX/2022, at XXXX XXXX CST, I engaged with XXXX, in the XXXX representing Indigo Credit Card Co. I advised I was looking directly at my bank statement, he gave fax # of XXXX XXXX XXXX but wouldnt give a turnaround time. When I stated my concern that there may be 2 payments deducted in XXXX and requested a supervisors name and a callback he disconnected the call. 

XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/ 2022 I sent a mortgage payment to the mortgage servicer via my banks bill pay service. I sent an over payment as I do most months to be applied to my principal. When I received my XXXX statemant I saw that they had put the extra payment toward the next months interest not the principal. On XX/XX/XXXX I called the mortgage servicer and was told that the error would be corrected. As of XX/XX/2022 it still has not been corrected. I also explained to the person on the phone that this has happened before and I had instructed them that any extra monies were to be applied toward the principal. At that time I was told that all extra payments had to be applied toward the next months interest! I instructed them that was illegal and I would report any further misdirection of overpayments and here we are again with over payments being applied to interest not the principal balance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/21 i filed a claim with Wells Fargo Claims Assistance Center after noticing unauthorized charges on my checking account to the total of {$1400.00}. 
These were similiar to unauthorized charges recently disputed and credited back in a previous claim to the sum of {$2000.00} on XXXX/21.Same type of charges used in same manner and within the same time frame. Obvious charges were related. Hotel room charges in consecutive days in same area blocks apart from one another. 
On XX/XX//21 after claim has been filed i receive 3 letters in regards to claim. All stated " we have completed our research of your inquiry. '' First one states transactions totalling {$1400.00} unfounded. Second states processing error did not occurr for charges of {$1300.00}. Third one is to inform me that a merchant has returned a security deposit of {$100.00} and for that i was told to " Please consider your claim closed. '' Makes no sense. Called claims department, and was told of this being a final decision and basically hung up on. Called back speak with adjuster and was told not possible and that the matter was closed. 
XX/XX//21 waited a few days and called in again. Explained situation and representative who in looking over claim noticed the similiarities to previous claim for same transactions already returned as a courtesy was to reopen this denied claim and credited my account the {$1300.00}. He noted the previous adjuster had mistaken the returned security deposit as action taken by merhant to return funds instead of realizing that happens automatically and considered claim closed. 
XX/XX/21 letter sent informing me that based on information available " charges were made by you or someone who had your permission '' resulting in reversal of funds credited. This is not what happened at all and i should not be forced to accept this. No evidence or reasoning given as to their inquiry as there is nothing. And in light of previous unauthorized charges already returned after investigation found in my favor. further phone calls have had not resolved this for me and has me here trying to make this right.

Cant accept one charge as unauthorized and another of exact type denied. Wheres the logic in that... 
Not right and not what anyone should have to be forced to accept!

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 2022-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mirand Response Systems, Inc.
State: OH

Complaint narrative:
During the week of XX/XX/2022 I have received multiple calls from the Mirand Response Systems which is based in XXXX, I reside in XXXX The representatives that have contacted me on several occasions have been repeatedly XXXX and XXXX. I have asked several times to have any information sent to me in writing via mail and the representative 's response was did you hear what I said ; at which time I requested to speak with her supervisor. She placed me on brief hold followed by a woman by the name of XXXX XXXX getting on the line at which time I informed her that he representative was extremely XXXX to me when I asked that any communication be sent to me in writing via mail ; then XXXX XXXX became extremely XXXX and I politely asked to speak with her supervisor and she stated that she does not have a supervisor and I stated that everyone has some in command above them, XXXX XXXX then stated that her supervisor was not available I requested to have the supervisor 's name and phone number or be transferred to her voicemail and was informed that I could be transferred. XXXX XXXX then hung up on me. I called back and spoke to a gentleman and when I asked to speak to the supervisor in charge of XXXX XXXX he then stated that he would transfer me to XXXX XXXX which I responded with I have a complaint against XXXX XXXX why would I want to be transferred to her and I am requesting to speak with a supervisor why is this such a difficult task.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for committing identity theft. I have never given WORLD FINANCE CORPORATION any permission to use any of my identifying information to commit mail and tax fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 usc 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WORLD FINANCE CORPORATION can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and WORLD FINANCE CORPORATION continues its collection efforts, I will file for litigation for actual damages caused and WORLD FINANCE CORPORATION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-23 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019. Here are the accounts that I am disputing : COMENITY BANK/EXPRESS XXXX Balance - COMENITYCB/XXXX  XXXX Balance-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXXtransunion has me at a score around XXXX. 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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