vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: MO

Complaint narrative:
I was served a court paper by world finance case number XXXX for breach of contract that I didnt sign. Someone got a loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: DE

Complaint narrative:
I contacted Midland Mortgage company in XXXX for a payoff statement, when I received the statement I had questions about some of the charges listed on the statement. the charges was over XXXX XXXX dollars with no line item description on what the charges was for. I called and spoke to a representative that told me they will get back to me with the information. After waiting a week, I called back and was told, they could not provide me with the information in the time they told me and transferred me to another department that could help me. The lady I spoke with said she do not understand why I was told they couldn't help me or provide me with the information because it is possible but it would take 24 hours. It has been 3 weeks and I have not been contact by anyone from the mortgage company. I even wrote an email to the Vice President on XX/XX/2022. My complaint was they claim they charged me {$20.00} every time they could not verify occupancy. They claim the charge is because they had to send someone to my house over 83 times. I told them at no time did anyone come to my home to ask me o my XXXX  children if I was home or occupying the home. During the years of XXXX and XXXX I was working from home so I know for sure that no one never came to my home. I was asking them to refund me my money and no one never go back to me. All I want is my money back for those charges and other charges that they can not explain that was listed on my payoff statement and was paid during the sell of the home on XX/XX/2022 I will be attaching the payoff statement and the charges in question is described as fees currently assessed. These at supposed to be several different charges that they can not explain and will not explain.

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 2022-09-07 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: TN

Complaint narrative:
re : Went to pay for doctor bill at time of service : {$35.00} copay, young lady said I owed nothing since this so-called " doctor '' didn't accept me as a patient. 4 years, did you hear, FOUR YEARS later he turned me in to collection company for his {$35.00}!! they have reported me as non-payment, collections, on my credit report, and equifax can only " contact '' them!!! 
i had no choice but to pay so this will be removed from my report, but this is so unfair. if anything, i deserve my money back!!!! i had to pay, they threatened me with attorney costs!!! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX, KY XXXX Phone : ( XXXX ) XXXX Have had XXXX since birth, XXXX different types XXXX, stemming from every section of my brain. This man is a poor excuse for a doctor!!!! Poked me in head where I had XXXX XXXX, asking what's this? What an XXXX!! 
i have been seen by the # 1 neurologist in the world, XXXX XXXX XXXXXXXX, and she put me thru hundreds of studies, including implant trials to control my XXXX all unsuccessful!! But she tried!!! 
He turned to us, said he didn't want another doctor 's problems, refused to understand that i have XXXX XXXXXXXX and can only take XXXX ; he said this was nonsense!! 
finally, after " consulting '' with his laptop, and ignoring me, my husband said that we understand that some doctors are just aren't as smart as others, and took my hand and we left!!! he is rude, arrogant and totally unethical!!!! unlike any doctor i've ever seen for XXXX, and trust me, i've seen many!!! this man acted like " why are you here? '' duh... you're ( supposed to be ) a neurologist, i have XXXX... you figure it out XXXX!!! soooooo rude!!!!!!! 
Hope this man, and his staff, retire before he hurts someone!!! The man is a XXXX, no one should trust him!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: AL

Complaint narrative:
In XX/XX/2022, I sent Experian a dispute letter for method of verification under FCRA section XXXX to provide me information on how the inaccurate account was verified. Today, I received an electronic response failing to provide me with the exact methods they used ie : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

The account is with XXXX XXXX XXXX for {$1100.00}. Experian has failed to comply with FCRA, Section XXXX ( a ) ( XXXX ) and ( 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 2022-09-07 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: IL

Complaint narrative:
In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: IL

Complaint narrative:
In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/2022 I initiated a wire transfer from my Wells Fargo account to my bank account at XXXX in XXXX. My identity was confirmed via text message to the phone number associated with my account. The same day I received XXXX messages from Wells Fargo stating that my wire transfer was confirmed and initiated. Later I received a message stating that I no longer have online access to my account and must call a 1 800 number that can not be called from outside the XXXX. The loss of online access is the subject of a separate complaint pending with CFPB, and although I have communicated to Wells Fargo that I can not call the designated number, both through my account designated phone number, and by calling and emailing various other international numbers and emails. 

The new complaint concerns the belated cancellation of my wire transfer several days after it had been confirmed. ( The previous complaint concerns the loss of online access and refusal to provide any way for me to do as required to rectify that situation. ) On XX/XX/XXXX I received an email stating that my wire transfer was cancelled. I now have essentially no funds in my XXXX account and pending direct debits will not be paid. I will no doubt lose related phone, utility and other services, and probably my XXXX account itself. I was led to believe that although I lost online access my previously approved wire transfer had been made. 

This is my 4th complaint this year. One thing they all have in common is Wells Fargo making it impossible to communicate to them in the required manner and thus providing no recourse other than CFPB.

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 2022-09-07 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: NY

Complaint narrative:
This is the second time I've had fraud on this account and have been told I don't need to make a payment. The whole amount charged is fraudulent and do no rust this company to reimburse me if I were to make a payment. I've called several times and still show a payment due while they are investigating. The first time was a nightmare and I anticipate this one will be as well since it's already starting off that way. I've since closed my account and just want this claim to be resolved quickly so it doesn't ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: FL

Complaint narrative:
XXXX bank reported a 30 days late payment notice to credit bureau on XX/XX/XXXX reporting that I have a past due payment for {$120.00}. A check for {$120.00} was sent to XXXX on XXXX XXXX which was cleared and cashed by XXXX on XXXX XXXX, But XXXX failed to post the check to my account due date on XXXX XXXX and instead they posted the check on XX/XX/XXXX, XXXX resulting in a late payment. 

In addition, payments record from XXXX credit card statement indicates that I have never failed to submit a payment on time. Therefore, I am not sure where is the 30 days late reporting is coming from. 

Upon contacting XXXX, They indicaed that there are a posting problem on their end and sometimes it is taking more time, which causing for the payments being misapplied towards different statements and invoices. 

I filed a claim with truist to correct the reporting on XX/XX/2022 and I have yet to hear from them. I filed a dispute with Experian on XXXX XXXX as well and I submitted all the evidance supporting my case ; however, they still did not remove the late payment reporting on my payment history which is resulting significant financial damage due to my credit scoring dropping more than 50 points which led to me not being able to apply for financing to purchase solar panels system for my property.

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 2022-09-07 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: WV

Complaint narrative:
My complaint ( s ) is with TransUnion XXXX XXXX XXXX. I have an old account with XXXX ( formerly XXXX XXXX ) that is still on my report, even though I paid the account and the company is now defunct. XXXX reported it as collection, although it was only paid late. Furthermore, this account is OLD and needs to be removed. 

Furthermore, I have accounts from XXXX that are more than 10 years old. My student loans went into default and I was unaware for about 3 months. This was corrected as soon as I was made aware, and the default period is well past the time it should have been removed. 

Additionally, TransUnion consistently reports LOWER scores than XXXX and XXXX either XXXX, by as much as XXXX points. XXXX has ADMITTED to using incorrect calculations on their scoring model, and has agreed to a settlement via class action. If XXXX is reporting higher scores than TransUnion even with miscalculating consumer scores, then it stands to reason that TransUnion is doing the same thing with their scores. However, they deny any wrongdoing. This needs to be addressed and corrected right away. 

Because of TransUnion 's FRAUDULENT scoring model, I was denied credit that I should have received, and am now paying a HIGHER interest rate on my car loan. I feel I deserve sizable monetary compensation from TransUnion for the money they have cost me due to their deliberately INCORRECT scoring models. 

Thank you.

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 2022-09-07 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:
The company has ignored the salient aspects of the claim. Regarding account figures the credit card numbers issued were incorrectly referenced in confirmation emails in my possession, independent of any fraud claim. New information has come to light when I looked further into XXXX 's management of their brand, web portals and cybersecurity practices. Upon further investigation, the scraping of my personal data carries those same credit card numbers " issued in error '' by XXXX 's admission. Those redundant email communications and portal web viewed were spoofed as part of the ongoing fraud in operation since XXXX of XXXX  '. The failure of XXXX to manage their customer facing portals and allowing personal credit card numbers to be scraped is the main driver of the causation here. See https : XXXX I suggest that this be escalated from typical collection reporting due to the circumstances. I will make a complaint in court together with damages if the credit reporting issue is not rectified. I will not take responsibility for the mismanagement of my information. The response is wonderfully data driven, but does not address the causation. The contact information on my account may very well be incorrect as well, as I have not received any communications. When were these last changed? how was this done? I am locked out of my XXXX portal.

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 2022-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I was in a vehicle accident on XX/XX/XXXX and was taken to XXXX XXXX in XXXX XXXX NV. In XXXX of XXXX I received a bill from University XXXX XXXX XXXX for {$34000.00} which I promptly disputed. After a lot of phone calls, emails, letters with different people at different departments at XXXX on XX/XX/XXXX I received a letter from a manager XXXX XXXX at the risk management department in XXXX stating that my account has been reviewed and that my balance is only {$1500.00}. After this I was waiting for a revised bill reflecting the new balance but instead on XX/XX/XXXX I received a bill with a due balance of {$24000.00}. After many communications with XXXX billing department and dispute packages getting the billing department to send me a revised bill, the next thing I know I was being contacted by a collection agency. On XX/XX/XXXX I received a bill from Aargon collection agency with a due balance of {$24000.00}. I immediately called the number on the bill and spoke to a XXXX XXXX, explained the situation that has been going on. He directed me to send an email to XXXX with all the details and the letter from XXXX 's risk management department stating the new balance and that they would revise it and send me a bill with an adjusted balance. After I did that I waited and NOW I see that the credit bureaus are reporting a derogatory account which resulted in a big negative impact on my credit score which is what I have been trying to avoid since this whole debacle started in mid 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 2022-09-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX by the following names XXXX XXXX XXXX XXXX XXXX and account XXXX AR XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a 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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: OH

Complaint narrative:
I have been calling my loan company Global Lending Services Daily since XXXX XXXX. I have explained to them that since XXXX the payments have be on a reoccurring bases through their website payment poral. For some reason they stopped taking it out and I have tried several times to make a one time payment with no luck it keeps canceling. ON Friday  XXXX I sent a {$650.00} cashier check to the overnight address they advice me to send it to. AS of today it has not posted. I checked with my bank this morning and they advised me it tells them the account number I gave them does not exist and its the one that is on my statement from XXXX. I then called back to your customer service agent and asked to talk to a Supervisor and was told she could help me. I explained what my bank informed me and she said no worries the payment posted and everything is up to date. It was for {$650.00} posted to my account today,, And my ban must be mistaken because its posted to my loan account. My bank just called me and stated XXXX  told them the account number referenced on the cashier check is not valid and that the account number was not found that was placed on my cashier check. The account number I have is XXXX that was used on the cashier check. I pay my bills onetime and DO NOT want this to hurt my credit. The bank told me only other thing we can do is open me another account for just this payment and I wanted to know if you thought this would help. I also wanted to get my payment date switched to between the XXXX or XXXX of each month but they just put me on hold and never come back. PLEASE HELP ME I DONT WANT MY CREDIT TO GO BAD, or LOOSE MY CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I an concerned that I am being double billed for the same student loans. Early in 2022, I received information regarding my student loan servicer, Navient. I was informed that they would be handling my loans moving forward. My loan balance is not correct. I contacted Navient numerous times requesting detailed documentation on my loan. I was initially informed that they did not have any information to provide and I shouldn't be concerned since they are in " In-school deferment '' status. On another call, I was informed that the information would be emailed in 2-4 weeks. I never received the information. I called Navient to request the information again and was informed that no information could be provided until July 2022 due to pending litigation regarding some loan accounts, but, they were unable to confirm if I was included in this matter. In July, I never received anything from Navient. I did receive notification from the XXXX XXXX XXXX XXXX that my loans were being transferred from XXXX XXXX to a new service provider. I contacted again to inquire about my incorrect loan balance and was told that I would receive detailed documentation on my loan, via email, in a " few weeks. '' I have never received anything, except for a summary of the incorrect balance. I contacted XXXX XXXX XXXX, who initially stated that they did not have the records and then referred me back to my service provider, Navient, who told me that their records are correct but have failed continuously to provide that information. Rather than sending me the documentation I requested, they sent me generic templates that I can retrieve on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit karma deceived me by stating pre approval and I was not approve to the card they offered me by stating I was approved and I was declined which reduced my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account by the following names XXXX XXXX XXXX XXXX XXXX and account XXXX AR XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a 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