vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent a payoff check to Wellsfargo. They received it on XXXX and credited it to some other account. I have spoken to them several times with no success in getting this corrected. I have called and gone to a branch. They started on XXXX and said it would take 2 to 3 days and to day isXXXX and still getting no where with them. The loan is now 31 day late and I have gotten several calls from there collection department

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 2022-10-20 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:
The following summary will detail my complaint of questionable/possibly illegal scoring practices by Experian Credit Bureau XXXX 
{ Date of Events } XX/XX/XXXX - Credit score increased from XXXX to a XXXX XXXX Credit score increased from XXXX to a XXXX XXXX Credit score dropped from a XXXX to a XXXX. This equates to a XXXX point drop in a single day. The reason stated was significant increase on a XXXX credit card. Usage went from below 3 % to 19.94 %. Also, all credit lines remained at 13 % usage. The credit usage for XXXX has since dropped back to 3 % usage. 

XX/XX/XXXX - XXXX XXXX increased from XXXX to XXXX. 

XX/XX/XXXX - XXXX XXXX decreased by 2 % despite the overall total credit usage remaining the same or lowered. 

Also, a XXXX XXXX line of credit was reported as a " XXXX XXXX '' in XXXX of XXXX through XXXX of XXXX was suggested as a reason for the drop. This information is false. I receive constant emails from Experian suggesting I participate in the Experian Boost program that would allow my on time household payments to positively impact my credit score. I have chosen to not participate in that program, not do I apply for the many credit cards Experian has matched me with. I suspect that the questionable/possibly illegal scoring practice is utilized to influence a consumer 's decision to participate in their suggested programs and/or apply for their suggested credit card recommendations for fear the significant drop in scores will continue. Please investigate this practice. It is alarming and may very well disproportionately impact people of color. I look forward to hearing back from you regarding this formal complaint. 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 2022-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This is a debt collector trying to collect a debt my mother in law allegedly owes. I have told them I am no longer in contact with her. They have called me twice this morning before XXXX. I just want them to stop calling 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 2022-10-20 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: SC

Complaint narrative:
This is a formal complaint against TransUnion for violating my FCRA rights and my privacy as a law abiding consumer. I have sent four requests to Transunion to help me with inaccuracies on my credit report and they have refused to respond or send letters stating it's not me when I have sent them everything required per their website and they should have no reason to not believe it is me. i even sent them a copy of my social security card! Please help me get these inaccurate and unauthorized items removed. I have included my last dispute with them for your review so you can see what I am talking about. Please help 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 non-monetary relief
Consumer complaint received 2022-10-20 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: EdFinancial Services
State: KY

Complaint narrative:
Requested a refund on XX/XX/15 from ed financial for payment made during the pause/freeze on student loan debt. Can't get any info on process time for refund or how to expedite the process for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 168b Permissible purposes of my 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 ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2022-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
We received a letter from a debt collector ( National Credit Adjusters , LLC ) that says we own more than 700 hundred loan related to my property from a loan company XXXX XXXX XXXX XXXX XXXX XXXX ) that we never know. We are trying to dispute it. The debt collector ask us to provide FTC Identity Theft Report that specifies the original creditor and original account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a credit report agency can not furnish any information without my written consent.

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 2022-10-20 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: Southwest Credit Systems, L.P.
State: NH

Complaint narrative:
On XX/XX/22. I attempted to get information from Southwest credit systems. The representative was very rude yelling over me requesting verification of this said debt and a signed contract with my name and wet signature as I was attempting to speak and reading the fair credit reporting law. I requested a supervisor in did the same and stated I was not a real person. They asked who I was and I gave them that information. I again stated the law to them and that it was a violation of the law to report on my credit without having a contract with me directly. He or she then hung up the phone on me. I attempted to call back and the same action I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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 2022-10-20 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: SC

Complaint narrative:
This is a formal complaint against Equifax for violating my FCRA rights and my privacy as a law abiding consumer. I have sent four requests to Equifax to help me with inaccuracies on my credit report and they have refused to respond or send letters stating it's not me when I have sent them everything required per their website and they should have no reason to not believe it is me. I even sent them a copy of my social security card! Please help me get these inaccurate and unauthorized items removed. I have included my last dispute with them for your review so you can see what I am talking about. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC
State: OK

Complaint narrative:
XX/XX/2022. I switchedfrom XXXX XXXX company and move to another. As soon as I changed I called them and cancel services. I had just paid my service amount just three days before the the 15. With this being said I called once or at least twice to made sure I didn't owe any money after talking to representatives they sated I waa fine, my account waa clear and I did not supposed to pay any more money my account there was clear and in outstanding. After 1 month, the month od march I received a " bill '' saying I owed {$170.00}, I called XXXX XXXX again and the male representative said he did not have a clue what that bill was. And he stated " it is probably a scam because you do not owe anything ". In may i received a final letter about collection for the amount of {$280.00} dollars. Now, I feel very frustarted and overwhelmed about this situation because they did not only lied to me but, they refrained from telling me if I owe anything at the very beginning from the cancelation date. They waited months to sent me bills and to collect as much as possible fees and charges that I am not even responsible due to the lack of knowledge and miscommunication amoung the company itself and representatives. So, they requiring me to pay such amount of money when in the first place the fail and refused to admit I owe anything. I need help in this matter please. One thing I want to be clear it is not about the financial issue, it is about preventing this unjustice act to keep happening to othe people. Is that how they make profit? Out of jard working eople that strive to pay their bills on time? Is that how they treat their customers after years of being loyal to their company? Do they provide excellent training to the workers to lie or omit information to the customers??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 181 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 166B, 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I was a member of Credit Karma. This site would give offers of credit based on your chances of approval. I would apply to these offers when based on their recommendations. However, when I did apply, I was turned down for the credit card. Even though the site said that my approval change was excellent.

This resulted in hard inquiries on my credit report and lowering of my credit score. I believe that this was misleading to me as a consumer who was looking for a new line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
I paid for the internet service provided by XXXX XXXX while working for a former employer ( XXXX ). I was called to duty for the XXXX XXXX  and knew I would be gone for some time, so I called to cancel the service and a representative of the company informed that I can turn in the equipment mailed to me ( for use of service ) in at a certain location, ( Which I did the following day ) and that no charges would be incurred. To my surprise a few weeks later, I started receiving mail saying that I owed money. Then sporadic calls from XXXX representatives, and now nearly daily calls ( sometimes multiple calls throughout the day ) from a law firm of Maury Cobb. I informed them that I wanted them to stop calling, but it has not stopped. These are unsubstantiated charges ; and this minor issue is creating hindrance for me, as I am in the process of looking to purchase a home for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC
State: GA

Complaint narrative:
XX/XX/2022 tell me why with online banks in this case XXXX you can not speak with a person on the phone you have to wait in a chat line for 30 min trying to get in touch with a person how is this ok when you are dealing with a person money. Money they work hard for and you can not even speak to a person on a phone. How is it that the government is allowing places like XXXX to even be in business. Then I go through the chat system after waiting and XXXX ends her chat with me and does nothing at all to even help. What happens if money is taken from a persons account and they need help they can't get it because you are unable to even speak with a person on the phone and have to wait for 53 people ahead of you to even get help then they just leave the chat when they feel like it. I am going to tell you customer service is the worst and when it comes to a bank this should not be aloud to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't 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 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20 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: PA

Complaint narrative:
My name is 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 2022-10-20 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:
My name is 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 2022-10-20 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: PA

Complaint narrative:
My name is 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I received a letter from RMP Services LLC for a medical debt. This debt is related to a claim that is under appeal through insurance. I called RMP and explained to the debt collector that this debt is not owed by me because it is still being processed by insurance. 

The collector refused to accept my debt dispute. I asked if they will accept that the debt was in the appeal stage of insurance processing. They refused to accept this fact and refused to remove my account from collections. The collector wanted an EOB from my insurance company within 5 days, but and they did not accept that the insurance company may not return the appeal until XX/XX/2022 ( 60 days from appeal submission ). 

I requested RMP to put this debt on hold pending appeal and remove me from any status of bad debt that could impact my credit score, and they refused. She stated my only options were to give her the EOB ( which does not exist yet ) or pay the debt. 

This is misleading practice by RMP and appears to violate federal rules on this website. I will call the hospital and ask them to remove RMP from my account.

Company response to consumer: Closed with explanation