vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I called to apply to an emergency loan of {$1000.00} that the XXXX XXXX  XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my XXXX credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against 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 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ragan & Ragan, PC
State: NJ

Complaint narrative:
I am XXXX XXXX, I received a letter from Ragan & Ragan , PC firm XXXX XXXX XXXX XXXX XXXX, NJ XXXX that they want me to pay to XXXX XXXX firm {$890.00} with the interest so on. On this XXXX letter showing date XX/XX/2011. I do not know who is this firm and I do not remember what is this for. This this Law firm send me letter that they want to collect the money. From no where this is comes, I do not know what is going on. 

Ragan & Ragan , PC File # XXXX this Law firm phone number is very strange I called them finally I talk to some one and she said XXXX XXXX  XXXX and her EXT. is XXXX but no respond. Their number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
It showing late payments for XXXX XXXX XXXX and its holding me credit down. I asked for a forbearance at that time.

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 2022-04-14 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: MA

Complaint narrative:
It showing late payments for XXXX XXXX XXXX and its holding me credit down. I asked for a forbearance at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
It showing late payments for XXXX XXXX XXXX and its holding me credit down. I asked for a forbearance at that time.

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 2022-04-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX, has violated my rights.

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # XXXX, has violated my rights. 

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 2022-04-14 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: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Prosper Marketplace, Inc.
State: OR

Complaint narrative:
Discovered on XX/XX/2022 that my credit card with Prosper XXXX had a balance owed for an annual fee, but in addition to that I got 2 late fees. I confirmed w/2 agents XXXX & XXXX at Prosper, they never called me, they had my correct #, they never emailed me, they had the correct email as well to advise that I had a balance owing or sent me anything BUT the actual card in the mail. They had my email, phone # and mailing address all correct in their system. I had activated the credit card on XX/XX/2022, unfortunately 13 days after my mother XXXX XXXX passed from XXXX. I do not typically get credit cards with annual fees and not getting any notification I owed anything I had no way of knowing until I tried making a {$7.00} purchase on XX/XX/2022. Initially, I thought it got declined as I hadn't activated the card yet. I spent the next 2 days frantically trying to contact or payoff the amount that I owed. When I called XX/XX/2022 and talked to XXXX, she confirmed they never attempted to call me, or email me. Stated that i had online statments, advsd that I signed up for them on XX/XX/2022 so that wasnt a valid argument, furthermore, all of my credit cards and bills come to me electronically, and I get an email on ALL of my credit cards alerting me my new statement is available for review. Prosper has now denied any credit correction request I have initiated claiming it was not bank error. There was no mitigation on their part as far as trying to protect or inform their customer they are behind or have a balance owed. I feel this is very predatoryXXXX I talked to a XXXX, who also informed me that ALL 16 of the interactions on my credit card account were from ME contacting them. No calls placed to me as of this date XX/XX/2022 as I requested a Supervisor to reach out to me to discuss this concern and also to waive out one of the late charges. I already paid the annual fee of {$39.00} + their {$29.00} late fee and {$1.00} in finance charge for both of these fees.

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 2022-04-14 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: MI

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # XXXX, has violated my rights. 

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 2022-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I filed for bankruptcy in 2015 and all debts forgive. However the company holding my student loan has refused to forgive any loans and keep charging interest on those loans. I have been unable to pay any portion of the loans meanwhile they just keep accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This company calls repeatedly. I already told them several times that the person theyre trying to reach isnt me, they have the wrong number. Theyve been calling at least 10 times a week for almost a year and they never leave a voicemail. Theyve even threatened me and told me that if Im lying, I will be put in jail. They dont stop. I put my phone on silence because of them so I end up missing phone calls from people I actually know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I don't owe anything to the following account : XXXX XXXX XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the account automatically.

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TN

Complaint narrative:
This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I cancelled my subscription with Experian premium  services in XXXX and they continued to attempt.to bill me for it even after sending me confirmation i switched to free subscription. In XXXX and XXXX i was disallowed from accessing my report claiming i had to pay XXXX for my subscription. Experian does not allow me to access my info or even open my credit page. It takes me directly to page that demands I update credit info before i will be allowed access. I never signed up for another paid service after switching to their free plan I feel forced to pay for something i never ordered

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
XXXX XXXX  XXXX Credit Card company feels that we owe them XXXX and we closed the card explained that the pandemic hit my family quite hard. The are not in my state but now have hired a debt collection agency called The Law Offices of Harris and Zide. They sent a demanding letter say we owe XXXX. They have options on this letter to dispute it but there is nothing to dispute. They can't harrass me the way they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
This one in particular loan world finance incorporation went from my home state which is XXXX South Carolina to XXXX South Carolina XXXX South Carolina and XXXX South Carolina and my thing is if someone was using my information because I'm filing it as a theft accept unauthorized charge the amount that they apply for was XXXX I think it was an unsecured loan and the charge off was XXXX but my thing is if someone stole my identity how can they go into a big loan office like this and apply for service and it's not me so yes I do have a complaint about this I've been trying to get this off of my credit because this is one of the main things that's on my credit that's holding me back from getting a lot and I did not do it I honestly did not do it so can you guys please help me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I have a HELOC loan # XXXX with Flagstar. My loan was under forbearance due to Covid-19. The original loan contract had a provision for 0.5 % loan rate discount if the loan is set for AUTO PAYMENT from the Flagstar checking account, which I had all alone until the forbearance. When I restarted my regular monthly payments in XX/XX/2021 the 0.5 % rate discount was removed. Flagstar tells me the discount of 0.5 % was removed because of something I did. I wholeheartedly told them this was wrong and I need their help to get the discount of 0.5 % back on with AUTOPAYMENT setup from checking account # XXXX at XXXX. 

I feel Flagstar is just trying to take advantage of the situation and force me to a higher rate because their currently offered HELOC rate is at 4.99 %. This translates into additional {$500.00} per month for extra 0.5 % in interest rate. The re were supposed to freeze my loan while in forbearance with all the original loan terms and continue with the same terms when my repayments restarted in XX/XX/2021. 

I spoke with numerous supervisors/managers .... These are just 2 of the 5 managers I spoke with... 
XXXX XXXX, XXXX, supervising mgr in HELOC servicing, XXXX XXXX, XXXX, superviser in HELOC servicing, This department 's email for management is XXXX. 
Please help me to get this issue solved and under control. 

Additional monthly increase of {$500.00} is a tremendous burden on our family 's cash flow and may put this loan in jeopardy again. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX 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 2022-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to Experian on XX/XX/2022 about an account from XXXX XXXX reporting an late balance. This is collection/charge off how can there be a late payment? This is a violation! They havent responded back and its been more than 30 days. A credit reporting agency are obligated to respond to my request, how can they just blatantly ignore me while Im trying so hard to fix my credit. Account # XXXX XXXX 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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Keep receiving calls from a caller id Americanexpress showing phone number XXXX ( XXXX ) XXXX unknown They say they are calling from American Express. I have repeatedly told them not to call me and that it can get me fired from my job and that if they can reach me by mail if they have something to discuss. Then I have hung up. Today XX/XX/XXXX at XXXX, they called, I told them again, he said " thank you for telling me this, but now that I have you on the line... '' and started to ask me identifying questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Company took all personal and credit application data and discontinued contact without explanation.

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there were 12 unauthorized withdrawals from our Wells Fargo business checking account. All were drawn by XXXX XXXX and tagged with the name of an individual in the transaction details. None of these were authorized transactions. The individual identified with the transactions is a former employee who separated from our company before the first transaction occurred. 

I contacted XXXX  XXXX in XXXX, XXXX when I noticed the first transactions and was told that the XXXX  XXXX account that originated the withdrawals did not belong to me or my business and that they could do nothing about it for me or give me any more information than I already had. I was advised that only Wells Fargo Bank could help me. 

I called the Wells Fargo Fraud Department on XX/XX/XXXX and was advised that there was little the bank could do but put a stop payment order on my account. I was told I had responded promptly and there would be an investigation of my claim and I should expect a refund soon of the amounts that were withdrawn improperly. On XX/XX/XXXX I called again to report additional unauthorized charges. They put another stop payment order on the account. I called on XX/XX/XXXX to report an additional charge and an new stop payment order was put on the account. I was told the original claim was still under investigation and I was given a new claim number. On XX/XX/XXXX I called to report a XXXX  unauthorized withdrawal. In that call I was informed that the claims I had filed were denied because I had not responded withing 24 hours of the transactions. Outside of that window Wells Fargo denies any claim as a matter of policy, I was informed. A new stop payment was put on the account. 

The total amount withdrawn over the 12 transactions without our consent is {$3000.00}. 

As far as we are aware the only payment that has been blocked by Wells Fargo 's stop payment orders was our own attempt in early XXXX to pay the balance on our own XXXX XXXX business card.

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