vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax has no credit file or score for me despite my accounts that reports to them Self loans I have paid for 12 months and also have a credit card I pay this company assured they reported to all three and two has confirmed but Equifax has nothing which really hurt my chances of getting any financing for a car, home, credit card I have repeatedly asked them to find the problem and XXXX  denied and ignored and they wont give me access to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
First Bank of Omaha continues to lower my credit limit as I make payments on the credit card that was issued to me by the institution. The policy negative impacts my credit score because it continually show I have a high credit utilization rate.

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 2021-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
The debt that this company has sent to collections was paid by my insurance company ( XXXX ). Below is a letter I am sending to them detailing the actions I am taking. I have contacted them dozens of times with no resolution. They have sent my account to collections and have refused to retract it. I am at my wits end and will be initiating legal action if they persist in tearing up my credit. 

XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL. XXXX RE : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim that I owe {$1900.00} for dates of service XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have spoke with your agents several times about this issue. XXXX has claimed that they have paid these accounts in full. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I do not owe, is a violation of the FCRA & FDCPA : therefore if you can not validate this debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for Defamation Violation of the Fail Debt Collection Practices Act ( Including but not limited to section 807 8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623 b ) Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Wrong information given for the reason of the credit score from Equifax.Issued me XXXX based on two wrong reasons, too few accts currently paid, andtoo many accts with balances on XX/XX/2021, and another came today XX/XX/2021 with a score of XXXX.Isent the first letter back to their address, and nothing was resolved.I have a credit score of XXXX, as of XX/XX/2021 wit XXXX XXXX.This needs to be resolved as it affects my borrowing power for a lower interest rate.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the second complaint Im making about Wells Fargo after I made the first complaint they sent my mortgage to be serviced by another company called XXXX XXXX so all that remained at Wells Fargo was an ELOC, equity line of credit it wasnt a second mortgage it was an ELOC, a year later they are misrepresenting my payments if I pay a XXXX over them they save it for the next payment and say Im not having enough money to make the payment there by it shows on my credit report is being late now theyre ruining my credit yet again then without my knowledge they turn the equity line of credit into a second mortgage thereby making me purchase hazard insurance and I just gave them the premium XXXX/XXXX  dollars just because I didnt want my credit ruined anymore but this is the big thing they never notified me how can they do you do that I want like over {$300.00} back because its not a second mortgage and that its an equity line of credit they should be shut down theyre crooks they should be shut down I want my XXXX something dollars back because its not a second mortgage its an equity line of credit and I want my $ XXXXback for the premium for hazard insurance because its an equity line of credit it is not a second mortgage and I want Wells Fargo to be penalized they should be shut down they're such criminals I want Wells Fargo to fix my credit report because I wasnt late on anything they just chose to look at a little bit of an overpayment and say its a short payment when it wasnt I want my credit report fixed from those crooks and I want my over {$330.00} premium back because its an equity line of credit not a second mortgage Wells Fargo should be penalized Wells Fargo should be shut down they are such criminals

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 2021-08-14 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: VA

Complaint narrative:
On XX/XX/2021, I pulled my Consumer credit file from EQUIFAX, and immediately noticed several violations of the Fair Credit Reporting Act. I reviewed my consumer credit profile thoroughly and noticed several Unauthorized Inquiries, accounts, personal information on my report. First I like to state that I NEVER gave EQUIFAX permissible purposes to report anything to my consumer credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) which states a consumer reporting agency can not furnish a report without the written permission of the consumer. The Fair Credit Reporting Act as codified at 15 U.S.C.-1681, which stipulates that a consumer report shall not include specific faction information on a consumers credit record. The Fair Credit Reporting Act ( FCRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. There were no PERSONAL INTERVIEWS done with any of my neighbors or associates. The incorrect information on my credit file has damaged my reputation, caused mental anguish, including anxiety, depression, and lack of sleep. I can not get certain employment opportunities because of the violations throughout my credit file. I can not get approved for my home, and it's affecting my relationships with my family, friends, and associates. This company has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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 — Problem with personal statement of dispute
Company: CMRE Financial Services, Inc.
State: PA

Complaint narrative:
A collection balance from the company XXXX XXXX was opened on XX/XX/2017 for the amount of XXXX. At this time I had insurance with the Company XXXX XXXX XXXX XXXX XXXX ( which is now involved in a class action suit ). This imaging was 'In-network ' and covered under my insurance policy. However, XXXX did not bill under said policy although they were provided all of my information ( insurance card, policy etc. ). I am seeking to have this removed due to XXXX 's negligence to accurately bill through the insurance company,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Over the past few years my identity has been compromised in over 36 security breaches from the following companies : XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

Transunion : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane  Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX Auto-Bank XX/XX/XXXX XXXX  XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm  Misc Inquiry XX/XX/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 2021-08-14 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: AL

Complaint narrative:
I reviewed my credit reports form XXXX  and Transunion and they are reporting accounts that violates my federal rights as a consumer. I sent them a letter addressing these accounts to bring it to their attention. They have not responded to my letter and still have the accounts reporting on my credit report. This situation is frustrating me and causing a tremendous amount of stress in my life. First, I did not give the my written consent to report the accountspursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy by sending my personal information to data furnishing companies that I also DID NOT give my written consent to have pursuant to 15 USC 1681a ( 4 ). Using my personal information without my consent is identity theft and is punishable under federal law pursuant to 15 USC 1681n.

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 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DC

Complaint narrative:
I brought a motor scooter but it is not how it was explained. I have been contacting the seller to return it, but I have no luck with getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo home mortgage predatory lending acts unfair and deceptive tactics to collect on mortgage loans and balances. 

Back in 2011 I applied for a modification too lower interest rate I was not behind on my payments at all wells fargo took it upon themselves too place a HUD second for a very large amount on my home which I would have been buying my house all over again. after paying the balance down a large amount, I had know idea of this. Documents have payoff instructions too send a large lump sum of my Equity to a XXXX XXXX XXXX XXXX  XXXX which is a third party collection agency which I've have never signed any agreements with or even heard of. 
Wells Fargo home mortgage is under financial fire with congress right now for these deceptive illegal tactics to collect on mortgage balances from consumers I'm asking for CFPB assistance too refund every XXXX that was taken from me. 
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 2021-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Contacted RashCurtis in XX/XX/XXXX about old medical debt that is time-barred after 4 years under California Statute of Limitations on Debt ( Start date was XX/XX/XXXX ). RashCurtis claimed they could no assist me without a file number and then proceeded to start increasing the debt each month by {$1.00}. So first they lied to me and then they started falsely adding fees on a time-barred debt.

RashCurtis is now increasing the amount of the debt monthly by {$1.00}, ( now {$210.00} ), which is a false misrepresentation of the debt owed as it is uncollectible and they can not collect or continue to charge me additional fees under The Rosenthal Fair Debt Collection Practices Act California Civil Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
under my credit report it shows negative as XXXX I PAYED XXXX OFF AND IT SHOWS A XXXX BALANCE UNDER MY REPORT BUT IT IS POTENTIALLY NEGATIVE BECAUSE IT SHOWS 2 LATE PAYMENTS BUT HAS A XXXX BALANCE. I HAVE CONTACTED XXXX AND THEY SENT PAPERS IN SHOWING ME OWING A XXXX BALANCE BUT IT DID NOT HELP. THEY HAVE ME CHARGED WHEN ITS SHOWING PAYED OFF AS AGREED. I CONTACTED THEM AND THEY DIDN'T FIX THE ISSUE THEY JUST SAID THAT IT NEEDED TO BE DISCUSSED AND THEY DID NOT FIX THE ISSUE THAT IS AT HAND. IT HAS EXCEDDED THE AMOUNT OF TIME A CREDIT OR CHARGE CARD STAYS ONTO YOUR REPORT IT WAS OPENED IN XX/XX/2014 WHICH HAS EXCEDDED THE 7 YEAR CREDIT MARK FOR IT TO BE ONTO MY ACCOUNT. IT SHOULD HAVE BEEN REMOVED WHEN IT PASTED 7 YEARS ONTO MY REPORT. THEY WANT REMOVE IT NO MATTER WHAT HAPPENS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Over the past few years my identity has been compromised in over 36 security breaches from the following companies : Equifax in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

XXXX  : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank XX/XX/XXXX XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm Misc Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: NJ

Complaint narrative:
I've been in contact with all 3 Credit Bureaus XXXX XXXX, XXXX  & Equifax i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all XXXX credit bureaus. XXXX XXXX was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days Experian and Equifax should have also deleted these items as well. 

XXXX XXXX : Hard Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax : Accounts : DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: NJ

Complaint narrative:
I've been in contact with all 3 Credit Bureaus XXXX XXXX, Experian & XXXX  i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all 3 credit bureaus. XXXX XXXX was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days Experian and XXXX  should have also deleted these items as well. 

XXXX XXXX : Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XXXXXX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XXXXXX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00}

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 2021-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: UT

Complaint narrative:
Every single day Im getting phone calls from Cedars Bus Svc and I dont know what its for. I pick up the phone and say stop calling and they hang up. They have never left a message saying what its for. I block their number and they call from another location. Every single day, multiple times a day, all over the state!!! 

The latest call was this morning XXXX XXXX XXXX  from XXXX from XXXX XXXX NY XXXX XXXX XXXX  from XXXX, CA XXXX XXXX XXXX XXXX  from XXXX, MD XXXX XXXX XXXX from XXXX, MA XXXX And the list goes on!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation