vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX  the XXXX  after I'd contacted my XXXX XXXX representation. The VA XXXX assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. 
After I'd spoken with the VA XXXX  about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
I was not give time to dispute the debt. I was orders to pay the debt by collection company and did not have any info on how to pay it.

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 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Put a derogatory account on my credit- my credit score was XXXX, now its XXXX. I called them to see what this is about, they wouldnt provide information or even verify the bill without me either providing my Social Security number or credit card. 
After I told them I wont give them sensitive information, they hung up. I called again, they hung up again. 

Completely bogus claim and company, as my credit score is typically sitting in the XXXX range and I never miss or not make payments.

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 2022-10-10 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient keeps sending me bills and charging me late fees during the federal student loan pause that is supposed to last until XXXX of this year. This also happened during the last pause as well. I had to go into forbearance because I had budgeted with the pause in mind and then could not afford to make payments during that time. 

I believe they are also trying to convince borrowers to refinance in anticipation for loan forgiveness, but that the process would actually make borrowers no longer eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal limited my account over 820 days ago, associated with the email address XXXX. I have an outstanding balance on the account equal to {$2000.00} which they promised they would be releasing after 180 days but have never allowed withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I have a problem with Capital One Quicksilver XXXX. I started out with a low credit limit. Over time, without my permission of knowledge, Capital one raised my credit limit and level until it became unmanageable to me. I had my payment set at XXXX dollars. Eventually the payment became more than the minimum. I did not notice this. I did not receive any notification whether by phone, email or text. I am not sure how long I have been getting dinged with XXXX dollar late charges but now I have an obscenely high interest rate, I'm struggling to pay this amount down and the interest alone is well over XXXX dollars per month. This type of predatory lending could happen to any person of any education level. This is especially difficult with the obscene interest rate combined with high levels of inflation in the economy. I am trapped. I really wish Capital One would have made an effort to reach out and ask for my permission to raise my credit limit AND let me know that my automated payments were no longer sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: MRS BPO, LLC
State: NY

Complaint narrative:
This started when I received a credit alert both from my bank / XXXX and XXXX XXXX stating that my XXXX XXXX had changed. After checking the score I found this had nose dived from near perfect to the low XXXX. Upon further checking with XXXX I noticed I had been put in for collection for an amount of {$1300.00} by a company called MRS Associates/ XXXX XXXX XXXX / XXXX XXXX NJ XXXX on behalf of their client " XXXX XXXX  ''. Not only do I not have any account with XXXX XXXX - and never have - but I have also never been contacted by MRS Associates directly, as I said the only reason I even knew about this was because of the credit alerts from XXXX and XXXX. I have spoked to XXXX and opened a fraud dispute which will take 30 days to resolve, and I will do the same with XXXX and XXXX. This is complete fraud and a review of MRS on the local Better Business Bureau reveals that they have had XXXX complaints about their business practices in 2022 alone, including an identical situation to mine involving XXXX XXXX  which leads me to question as to whether this MRS is in cahoots with their clients attempting to extort money from unsuspecting victims. I need this to be removed from all credit reports and an investigation should be launched into business practices of MRS. XXXX confirmed they will investigate under report # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: SC

Complaint narrative:
Equifax I have XXXX inquiries on my consumer credit report. I have attached a screenshot of my Equifax credit report. I did not give permission to these XXXX companies to check my credit nor do I have a credit account with these companies. XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX pulled my credit without permissible purpose. XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX pulled my credit without permissible purpose. I AM REQUESTING PROOF FROM EQUIFAX THAT I APPLIED FOR CREDIT WITH THESE XXXX COMPANIES LIST ABOVE ALONG WITH MY SIGNATURE OF APPLICATION. This is a violation of Federal Law & the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681b - Permissible purposes of consumer reports -- - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NC

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX WELLS Fargo violated Fair Credit Act by denying me personal loans for XXXX based on my credit score alone. This was confirmed on tape by representatives and manager they filed a complaint. I have explained that as a direct result of the FCA violation I was forced to apply to a sub prime pay dsy lender who fraudulently hacked into my account using loan app details they then called Wells Fargo Claims which made an instant refund of a claim already resolved. I reported to Wells Fargo Claims the credit was reversed and I now have XXXX Debit. 
I have asked Wells Fargo to allow me to repay over 12 months and they refuse to approve. Wells Fargo will simply debit my social security payment of XXXX by the amount of the overdraft in violation of the Fsir Debt Collection Practices Act

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 2022-10-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
In XXXX I received a letter from GenesisFS also known as Milestone card dated XX/XX/XXXX, advising me that they had recently processed a change of address on my milestone CC account and that this letter was being sent out to previous address. Soon as I received it and got notice I called them and let them know. I didn't feel confident because most of their agents seem to have little knowledge and little room to resolve things, but I told him to make a note on my account that there was suspicious activity going on. I guess it was never done, about XXXX days ago I notice when checking my XXXX XXXX that my score went down by XXXX points because my CC was utilized to the max. When I found this out my balance was showing {$490.00}. I called them again and was upset that they sent the card out any ways. I have lived in XXXX, AZ my entire life and I have had this CC with them since the middle of XXXX. I have hardly used my card let alone maxing it out. I check statements and it shows that the last time activity was used was in XXXX. I had a credit of $ XXXX. I ask them how this could happen they told me this person was able to change it through the automated system using my date of birth and social security, but shouldn't someone verify old address before making a change like this. I believe fraud was committed on me by the credit card company Genesis or also known as Milestone. They did nothing to protect me and when I called to make sure my account was closed for good, I witnessed my balance went from {$490.00} to now {$920.00}. I have never gone over my limit, and I have other cards, but I hardly use this one because I had a lot of issues with it, far as it is declining when trying to use it and i had available credit also it would say it wasn't activated but I used it before in the past and also there was no app so it would make it challenging to use. I know we live in a world where this is normal, but I want something done, they aren't willing to help and told me they will do nothing. There is so much evidence showing I couldn't have done this. The person who is committing fraud against me has made all these transactions in Florida. Also, the card I had ended in XXXX and the new one they issued to whomever ended in XXXX but the transactions made in Florida are showing used by XXXX isn't that something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XXXX XXXX.Wells Fargo place an inquirer on my Credit report early warning.Ive never had an account with them, this is inaccurate & unverified information I have no knowledge of this, its very unfair I do not owe them any money nor was i notified and it is hindering me.they are stating they didnt have the last XXXX digits of my social security number and that they didnt receive a copy of my early warning to see the inquiry they are also asking for an account number when I clearly stated Ive never had a account with Wells Fargo nor have I tried to I do not know why this inquiry is on my consumer report Never step foot inside of a Wells Fargo bank a day in my life they sent me a letter in the mail about a week ago stating they were working on things they never asked me to call them they never asked for my social nor did they ask for a copy that shows the inquiry on my financial consumer report so their response is very untrue and I have the letter that they milk for me on XX/XX/2022 And I clearly stated that it was an inquiry with the first complaint that I made so their response Has nothing to do with my complaint I uploaded a copy of the letter they sent me to prove they never asked me for any more information I also reached out about the other inquiry on my financial 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 2022-10-10 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX 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.

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 2022-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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.

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 2022-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I tried withdrawing my money from my Discover Checking Account mid XXXX but was unable to do so. I tried waiting thinking this was a website issue but when I realized I had lost all access to my account, I called customer service so XX/XX/2022 and was informed that my account has been closed for " business reasons '' and that a check would be mailed to me XXXX days after the last deposit. 

The last deposit to my account was XX/XX/2022 - it has been XXXX calendar days since the last deposit. 

The last withdrawal from my account on XX/XX/2022 - it has been XXXX calendar days since the last withdrawal. 

The only response I hear from Discover Customer Support is to wait for the check. 

I have over {$5000.00} in that account that I need desperately and have been deprived of without being supplied with any reason for doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-10 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation